Realcor Developments Ltd.

Complaint: [redacted]
I am rejecting this response because:On july 1st I called to check on the status of my refund and got no where with them again 
Regards,
[redacted]

Tuesday, August 15, 2017 To Whom It May Concern: Thank you for forwarding Ms. [redacted]’ complaint # [redacted] to us. As you requested, we addressed this matter directly with Ms. [redacted] on August 15, 2017 by way of telephone. We sent Ms. [redacted] an email detailing the actions taken on...

her account to resolve her concerns on August 15. Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concern. Thank you, [redacted]Customer Experience Specialist Netspend a TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted]. Ms. [redacted] states that she closed her account, but did not receive the account balance. She wants the remaining funds from the closed account. On April 10, 2015, Ms. [redacted] closed her card / account...

with NetSpend. We mailed a check for the remaining funds, $61.00, to her on April 17th. Our Accounting Department is reviewing the records now to determine if the check can be reissued. We will keep Ms. [redacted] informed of the results. NetSpend regrets the inconvenience that Ms. [redacted] experienced while waiting on her check. We have provided her our contact information should she have any additional questions or concerns. Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning a NetSpend card account she purchased.  We apologize for the service that Ms. [redacted] experienced with our Customer Service Department regarding the activation of her card account. ...

We appreciate her for notifying us this issue and we have reported this incident to the management staff of the customer service agents she spoke with so that proper coaching and/or training can be provided. We are required by the USA PATRIOT Act to obtain, verify, and record information that identifies each person who opens a card account with us.  When our cardholders open a card account or add a secondary cardholder, we ask for their name, physical street address, date of birth, and other information that will allow us to reasonably identify them. The requirement to obtain this information is displayed in the envelope that we send with the card offer.   A member of our Corporate Response Team attempted to contact Ms. [redacted] to discuss her concerns with activating her card account and discuss options.  Unfortunately, we were unable to speak with her.  We also sent Ms. [redacted] an email and encouraged her to reach out to our Corporate office if she still has concerns about the request for identity documentation.    We have provided Ms. [redacted] with our contact information should she have any additional questions or concerns.  Thank you, [redacted]Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: [redacted]
I am rejecting this response because:As simple as it may sound but as powerful as it maybe, I expected someone from upper management to apologize for the actions of their employee whether they agree or not with that employee's actions, but sadly and unfortunately this NEVER happened. And the second unfortunate reason I decline their response is because of the poor investigation and follow up response from the initial customer response team member and even worse from [redacted] Although Mr.[redacted] informed Revdex.com that he spoke with me both yesterday and today that followed an email, however, what he didn't report was his nonchalant behavior during the conversation. Therefore after realizing Mr.[redacted]'s  only reason for calling was to report back to the company and Revdex.com that he notified the customer and to quickly the close the case but not for any interest on behalf of the customer, based on his comment to me" Ma'am, what do you want from [redacted]"?, which was so disrespectful and for that reason it was no need to continue the call. Please see the email sent by Mr.[redacted] as well as my response. While I realize [redacted] has not and will not accept responsibility for their behavior, I just want to be sure this is passed on to other consumers 
Regards,
Carol [redacted] orporate Customer Response Team <[redacted].com>To:w[redacted]@yahoo.comCc:b[redacted].comFeb 13 at 5:39 PM Important Account Information Revdex.com [redacted] Ref. # [redacted] Dear [redacted], Although I have been unable to speak, I wanted to follow up on the actions taken on your Card Account.  1.    Your call from 01/19/2018 was reviewed and the site management took appropriate coaching measures with the representative you spoke with.   2.    The transaction or $16.99 with PP*Itunes has never been disputed.  Is this an unauthorized transaction that you need to file a dispute for?  If the merchant is taking your funds without your authority, then blocking the card is a way to protect against future unauthorized charges.  Another way is for you to have the merchant remove your card number from their system.  3.    The Automated Clearing House (ACH) debit transaction with Prog Mountain uses the account and routing number to deduct funds from the Card Account.  The active card on your account does not affect the ACH debit.  4.    The ACH debit with Prog Mountain for $158.00 was declined due to insufficient funds on 01/24/2018 and 01/29/2018.  There is currently a pending ACH debit with Prog Mountain due to settle on 02/14/2018.  If you have additional concerns please do not hesitate to contact me at the phone number below. Thank you,[redacted]. [redacted]Customer Experience Specialist [redacted] a TSYS Company[redacted].com       ------ Please do not remove your unique tracking number! ------ <<#[redacted]#>> Confidentiality Notice! This electronic transmission and any attached documents or other writings are confidential and are for the sole use of the intended recipient(s) identified above. This message may contain information that is privileged, confidential or otherwise protected from disclosure under applicable law. If the receiver of this information is not the intended recipient, or the employee, or agent responsible for delivering the information to the intended recipient, you are hereby notified that any use, reading, dissemination, distribution, copying or storage of this information is strictly prohibited. If you have received this information in error, please notify the sender by return email and delete the electronic transmission, including all attachments from your system.  Carol [redacted] <[redacted]@yahoo.com>To:Corporate Customer Response TeamCc:b[redacted].comFeb 14 at 3:25 PM Mr. [redacted],I refused to speak with you for the following reasons:1. The FIRST and obvious reason that I continue to spell out in each of my response is the fact that  NOT one representative from [redacted] has even apologized for the malicious act by this employee. I've already determined and accepted the fact that [redacted] agrees with the action and behavior this employee exemplified in this matter.2. Your careless and nonchalant tone during our phone call yesterday which made it clear to me that it was useless to even attempt to address any concerns/questions that I may have had.And as far as the $16.99 dispute, apparently you haven't really investigated this case as thoroughly as a response team member should have. Simply because I mentioned in one of my response email that the customer service manager that called me on 1-21-18 reversed those charges of $16.99. It shows up on my statement as Customer Satisfaction on 1-21-18 for $17.00. so there was no need to dispute this charge any further. 3. Now as far as the ACH charges from Progressive I don't understand why this transaction was mentioned becauset I never had any issues or dispute with this transaction.As I mentioned to Revdex.com in a second complaint filed on yesterday, there is no further action needed at this time. But as I also mentioned in that complaint that " It's AMAZING what the power of a simple apologize means to a customer more than any refund.However, it's obvious  that such a simple act is NOT so simple for the leaders of [redacted] to do.My final words to you and all those in upper management, there is no need for any further actions from [redacted] as I plan to withdraw my funds and close my account with [redacted] by the end of the day February 15, 2018. As well as any family/friends who has any personal/business accounts(s) with [redacted].[redacted]

Complaint: [redacted]
I am rejecting this response because: it should not have gotten to this point.  I should not be required to contact said company to reject offer I did not sign up to receive.  Also this company staff was the one that had me jump thru hoops to cancel the card.  I would not have contacted Bob had they process my request as first requested. They may make excuses as to how they received my information but card offers should be just that.  Not sent without prior authorization. This company is a fraud. I did receive a call from someone when I was at work and could not respond.  However after reading the email that they had canceled and removed my name from their database,  I found it best I deal with Revdex.com for fear they may opt me  back in.  Thanks to Revdex.com this company might think twice before sending out unrequested cards.  
Regards,
[redacted]

To Whom It May Concern:   We received complaint # [redacted] filed with your office by [redacted] concerning her account balance and dispute claim.   On July 26, 2016, Ms. [redacted] contacted our Customer Service Department regarding an ATM transaction that did not dispense...

funds to her. We promptly opened a dispute claim and began our investigation. On July 28, we issued Ms. [redacted] a provisional credit, while we continued our investigation for her dispute claim. On August 17, the ATM merchant responded with information that validated the funds dispensed. We notified Ms. [redacted] on August 18, that after receiving this information from the ATM merchant that we will be reversing the provisional credit within five business from this date, on September 1.      A member of our Corporate Response Team spoke with Ms. [redacted] on September 27, to review her dispute claim.  We explained that the results of his dispute claim and reversal of the provisional credit is the reason why her available balance was less after her deposit was received. We updated Ms. [redacted]’s address on file and at her request, we are mailing Ms. [redacted] a copy of the merchant documentation. We reached out to our Dispute Resolution Department to provide Ms. [redacted] with the merchant documentation that validated that funds dispensed. The ATM owner was unable to provide this documentation and we re- investigated her claim and provided full reimbursement for the disputed transaction on September 30.   We have provided Ms. [redacted] with our contact information should she have any additional questions or concerns.    Thank you,   [redacted] Corporate Customer Response Team NetSpend A TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] states that she received a check with her name misspelled and she could not cash it. She wants her money sent to her. On April 9, 2015, we mailed a check to [redacted]. We apologize that...

the name on that check was misspelled. Our accounting group voided the old check and we are reissuing a check under the correct name. It will be mailed to her on May 22nd. NetSpend regrets the inconvenience [redacted] experienced with the refund check. She has been given my contact information should she has any questions or concerns. Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

Saturday, December 23, 2017To Whom It May Concern:Thank you for forwarding Mr. [redacted]’s complaint to us. As you requested, we addressed this matter directly with Mr. [redacted] on December 17, 2017 by way of telephone, e-mail, or letter. If a letter has been sent, it should be received within...

the next five business days. Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concern.Thank you, [redacted]Customer Experience AnalystNetspend, a TSYS Company

Thursday, December 22, 2016To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning her disputes claim.  On December 1, 2016, Ms. [redacted] contacted us to open a disputes claim against two transactions from Metro PCS that were charged on...

her account.  We promptly opened a dispute claim and began our investigation.  We also informed Ms. [redacted] of the investigation timeframe afforded under Regulation E.  On December 15, we determined that Ms. [redacted] was not eligible for provisional credit for her claim, but we are continuing our efforts to investigate the claim. The claim is scheduled to be finalized by January 13, 2017. The results of the investigation will be sent to Ms. [redacted] in writing within 3 business days of completing our investigation.    A member of Our Corporate Customer Response Team spoke with Ms. [redacted] on December 22 to discuss her claim.  She informed us that she originally sent her letter of dispute on December 15, but it was to an incorrect email address.  She was unable to provide us with the original letter, but we are still working to retrieve her funds from the merchant.  We informed her again that an update for her claim will be available on January 13, 2017.  We have provided Ms. [redacted] with our contact information should she have any additional questions or concerns.  Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

To whom it may concern:   Thank you for forwarding Ms. [redacted]’s complaint [redacted] to us. When a customer requests a replacement card to be shipped to their address on file, we inform the customer the standard delivery timeframe is 7-10 business days.    Ms. [redacted]’s case has...

been assigned to Corporate Response Team Analyst, [redacted].  On September 11, 2017, [redacted] ordered Ms. [redacted] another replacement card with a 1-2 business day delivery, and the card is expected to be delivered on September 12, 2017.   We attempted to reach Ms. [redacted] on September 5, 9, and 11, 2017 by telephone and by email, but unfortunately, we were unable to speak with her to confirm her address. The email we sent outlined our actions to resolve her complaint. Should Ms. [redacted] contact our Customer Service Department, we have left notes on her account for her to be connected with [redacted] to further assist her with this matter.    Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concern.   Thank you,   [redacted] Customer Experience Specialist Netspend, a TSYS Company

Complaint: [redacted]
I am rejecting this response because:  I was told by Netspend when I filed my original claim of the fraudulent charges on my account to send all my  documentation from the hospital to the dispute department,which I did. That department  denied the claim after 10 business days. I am not understanding why they are sending back to the same department. I would think that a higher department would handle this. The response from Netspend I feel is not a resolution. 
Regards,
[redacted]

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted]l concerning the inconvenience she experienced with her dispute and the closure of her NetSpend ACE Elite Account. On February 1, 2016, Ms. [redacted] disputed six unauthorized ATM transactions that...

occurred from December 30, 2015 until January 1, 2016 on her NetSpend card. Our Customer Service informed her that an update would be provided within twenty business days, March 1st.  Ms. [redacted] account is classified as new in accordance with the Regulation E Guidelines for disputes claims. On the twentieth business day, the claim was closed as no error found and no credit was issued to the account.  A disputes closure letter was mailed to Ms. [redacted] address.  She filed an additional ATM disputes claim on March 2nd.   An update will be available for this claim on March 30th.  If the claim is successfully won, a check for the remaining funds will be mailed to her. Our Risk Management Team regularly monitors account activity in order to provide a safe and secure product for all of our cardholders. Our Risk Management Team identified risk factors that led to the blocking of Ms. [redacted] account on March 1st.  She is no longer eligible for NetSpend services as a result. The factors that lead to the account closure are kept internal for security reasons. A check for the remaining funds on her account was mailed to her address on March 3rd.  Ms. [redacted] will receive it within ten business days from that date.  We spoke with Ms. [redacted] on March 9th and addressed her concerns.  She wants all correspondence in written form, but not by email.  NetSpend regrets the inconvenience that Ms. [redacted] experienced as a result of the closing of her account. We have provided her our contact information should she have any additional questions or concerns.  Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted].  Mr. [redacted] mentions a block was placed on his account due to gambling transactions.  Our Risk Management Department regularly monitors our customer’s accounts in efforts to prevent...

compromising activity, or unacceptable account usage. Our Risk Management Team identified risk factors that led to blocking Mr. [redacted]’s account on July 13, 2015 after attempting transactions with the merchant DraftKings.com. Mr. [redacted] requested to close his account on July 15th since he was unable to use his card with this merchant. On July 23rd, our Risk Management Department confirmed that Mr. [redacted] could continue to use his card with the merchant in question. I spoke with Mr. [redacted] to inform him of this information, but he chose to keep his account closed.We apologize for the inconvenience that this experience has caused Mr. [redacted].  She He has been given our contact information should she have any additional questions or concerns.  Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning the inconvenience she experienced as a result of her card being stolen. On February 16, 2016, Ms. [redacted] ordered a NetSpend Prepaid debit card through the Turbo Tax website.  The...

tax refund deposit posted to her account on February 23rd and we sent an alert to the email address listed in the message to the Revdex.com.  Forty minutes later, the card that was ordered for the account was activated through the automated phone system.  Ms. [redacted] calls Customer Service on March 14th and informs us that she never received the card.  A replacement card was ordered for her to the same address as the previous card.  She activated this second card on March 17th.  We reached out to Ms. [redacted] on March 15th by telephone and email, but unfortunately, we have been unable to speak with her.  She did respond to us by email and we addressed her concerns.  NetSpend regrets the inconvenience that Ms. [redacted] experienced as a result of her stolen card. We have provided her our contact information should she have any additional questions or concerns.  Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

Thursday, December 24, 2015To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] with her concern of having to provide identity documents to activate her NetSpend card. She’s requesting access to her funds. The USA Patriot Act is a federal law that...

requires all financial institutions to obtain, verify, and record information that identifies each person who opens a card account. When our cardholders open a card account, we will ask for their name, street address, date of birth, and other information that will allow us to reasonably identify them. NetSpend is compliant with the laws concerning the prepaid debit card.  On December 23, 2015 I spoke with Ms. [redacted] to assist her with activating her card. When I pulled the card information up in our system, it indicated that the card was not scanned at the point of sale. As a result, no information was associated with the card. While Ms. [redacted] was on the phone, we conferenced the [redacted]e manager [redacted] on the line. [redacted] advised Ms. [redacted] to provide her original receipt to the store, so that she can be further assisted. NetSpend regrets the inconvenience that Ms. [redacted] experienced while attempting to activate her card. Should she have any additional questions or concerns, she can contact us at [redacted]  Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning her dispute claim. On August 15, 2016, Ms. [redacted] contacted us to report an error that occurred with a transaction that posted to her account from DISH NETWORK for $380.00. We promptly opened...

a dispute claim and began our investigation. We also informed Ms. [redacted] of the investigation timeframes afforded under Regulation E. A member of our Corporate Response Team reached out to Ms. [redacted] on August 16 to discuss her dispute claim.  We advised that a provisional credit was issued to Ms. [redacted] account while we continued our investigation of her dispute claim.  We apologize for the service that Ms. [redacted] experienced with our Customer Service Department.  We have reported this incident to the management staff of the customer service agents she spoke with.We have provided Ms. [redacted] with our contact information should she have any other questions or need any further assistance.  Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted]. Mrs. [redacted] states that she received a debit MasterCard in her maiden name that she did not apply for. She wants to know how NetSpend obtained her information and she desires no open accounts in her...

maiden or married name. NetSpend works with third party marketing partners that provide us with information for consumers who may need a service like our prepaid debit card. We mail those consumers card offers. The card offer is not active and the card cannot be used unless activated. During activation we verify the identity of each potential cardholder to ensure that the card can only be used by the intended recipient. This offer is not a credit card and does not have any effect on your credit.On September 28, 2015, we reached out to Mrs. [redacted] by telephone and email. We have yet to speak with her but in our email to her she was informed that we removed her name from our mailing list and she should not receive any future offers from any NetSpend managed programs. We’ve submitted a request to obtain specific details of how Mrs. [redacted]’s maiden name information was obtained for this card offer. When it is received, we will relay the information to her. There are no open accounts in the married or maiden name. We apologize for any inconvenience that Mrs. [redacted] experienced as a result of this card offer. She has been given our contact information should she have any additional questions or concerns. Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: [redacted]
I am rejecting this response because:THE PHONE NUMBER THAY HAD/HAVE GIVEN IS NOT IN SERVICE , AND NO THEY HAVE/HAD NOT GIVEN ME A NEW PHONE NUMBER TO CONTACT THEM WITH . SO I FELL TI'S NOT A PERSON WITH THAT NAME OR ASSOCIATED WITH THAT COMPANY .
Regards,
[redacted]

To Whom It May Concern:We received additional comments on complaint # [redacted] filed with your office by [redacted]. Ms. [redacted] states that she has not heard from NetSpend in a week, and is requesting access to her funds. On September 25, 2015, our Risk Management Team removed the block on Ms. [redacted]’s account after obtaining the validation needed from the Associate Director of Student Receivables Operations at the University of Alabama. On October 5th, we reached out to Ms. [redacted] by telephone and email. We haven’t had the opportunity to speak with her, but she has our contact information if additional assistance is needed. NetSpend regrets any inconvenience that Ms. [redacted] experienced as a result of her account block. Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company