Realcor Developments Ltd.

Complaint: [redacted] I am rejecting this response because: I MADE THE CLAIM ON THE 23RD LATER THAT DAY, ON THE 23RD MY CARD WAS STILL ACTIVE BECAUSE I THOUGHT TO MYSELF, WANDER IF THEY CANCELED MY CARD I WAS CURIOUS BECAUSE THEY NEVER SENT NOTIFICATION OF DISABLING MY CARD I WENT TO ATM AND TRIED TO WITHDRAWAL MONEY AND LONE BEHOLD, MY CARD WAS STILL ACTIVE AND I WITHDREW MONEY THERE WAS SEVERAL TRANSACTIONS THAT ALSO WENT THROUGH I MADE AN ADDITIONAL CLAIM OF ANOTHER AUTHORIZED CHARGE BECAUSE SINCE MY CARD WAS NOT DISABLED, FOREIGN TRANSACTIONS WAS STILL GOING THROUGH JUST AS THE SAME AS THE PREVIOUS NETSPEND NEVER DISABLED MY CARD UNTIL I SPOKE WITH THEM ON THE PHONE AND I ASKED THEM TO PLEASE DISABLE THE CARD, SO THE REP/AGENT THEN ASKED ME IF I NEEDED A NEW CARD SENT TO ME THATS WHEN I INFORMED THEM IM SURE ILL NEED A NEW CARD TO HAVE MY FUNDS DEPOSITED BACK TO ME, OTHERWISE I COULD NOT ACCESS MY MONEY ITS NOW JUNE 6TH AND STILL HAVE NOT RECEIVED A NEW CARD WHICH I HAVE READ NUMEROUS OF COMPLAINTS, ABOUT HOW NETSPEND, REFUNDS THE MONEY FOR A FEW DAYS TO THE ACCOUNT OWNER BUT CONSEQUENTLY THE ACCOUNT OWNER CANNOT ACCESS THE MONEY BECAUSE THEY DO NOT SEND A NEW CARD, THEN FEW DAYS PASS AND THE FUNDS DISAPPEAR AGAIN BY THE WAY, ITS ALL PLAYED OUT SO FAR, SEEMS LIKE MY SITUATION IS NO DIFFERENT THEN THEIR USUAL PROCEDURE.NETSPEND DIDNT CONTACT ME UNTIL THE 26TH AND IT WAS FROM A MALE REP STATING THAT WE HAD PREVIOUSLY SPOKEN OVER THE PHONE IN WHICH WAS NOT THE CASE I HAD NEVER SPOKEN TO ANYONE OVER THE PHONE AND INFORMED HIM OF THAT NOBODY REACHED OUT TO ME I REACHED OUT TO THEM MANY TIMES ON THE PHONE AND BY SUBMITTING CLAIM STATUSES ETC NEVER DID ANYONE REACH OUT TO ME UNTIL I FILED WITH THE Revdex.com AND THEN I RECIEVED THE EMAIL STATING THAT WE HAD TALKED PREVIOUSLY ON THE PHONE **(I HAVE ATACHED THE CORRESPONDENCE BETWEEN NETSPEND AND MYSLEF, TO THIS RESPONSE)I DO NOT ACCEPT NETSPEND RESPONSE BECAUSE THEY HAVE YET TO DO ANYTHING AND UNTIL SOMETHING IS DONE REGARDING THE FUNDS I HAD STOLEN FROM MY CARD IN WHICH WAS NEARLY EVERY PENNY TO MY NAME, THE RESPONSE WILL BE REJECTED THIS IS OBSURD AND BY WHAT OTHER COMPLAINTS I HAVE READ FROM OTHER CONSUMERS, THIS IS THE WAY NETSPEND CONDUCTS THEIR BUSINESS AND TO ME I SEE EVERY CASE AS A THEFT CASE THE CRAZY FOREIGN CHARGES SHOULDVE BEEN REJECTED THE VERY FIRST TIME THEY TRIED STEALING MY MONEY WHAT IS THE USE OF A FRAUD DEPARTMENT IF THEY DO NOT CATCH RED FLAGS AS THESE FOREIGN CHARGES, ALL IN THE WEE HOURS OF THE MORNING, CHINESE JIBBERISH, ONE SAYS ELECTRONIC SALES, THE NEXT FEW MINUTES LATER SAYS , AUTO SERVICES AND THEN SOME THAT SAYS FINANCIAL INSTITUTIONS AND THEN THE PROCESS STARTS OVER WITH ELECTRONIC SALES, AUTO SERVICES, ETC ANY FRAUD DEPARTMENT SHOULD CATCH THIS ACTIVITY TO BE INSURED BY FDIC ETC, ONE WOULD THINK THE COMPANY WOULD CONDUCT THEIR BUSINESS BETTER Regards, [redacted] ***

Tuesday, April 04, 2017To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a Netspend Prepaid MasterCard Account offer her daughter, Angelina, received in the mailNetspend relies on affiliate marketing services as a source for reaching potential new customers and Card Account offer recipients’ information is acquired through these business relationshipsA consumer’s name and address is provided to the affiliate marketing service when the consumer opts in to receive offers and marketing materials from the third party, as well as any third party with whom they may share the informationBecause NetSpend feels strongly about customer privacy, we only contract with marketing affiliates that have collected the information from willing consumers and have received permission to share it with us.The offer is not active and cannot be used unless activatedDuring activation, Netspend verifies the identity of the person activating the offer to ensure that the card offer can only be used by the intended recipient If the recipient cannot be verified, then the offer cannot be activated Netspend is a prepaid debit card product and not an extension of a line of creditA credit check is not required or processed when a customer purchases or requests a Netspend prepaid debit Card Account.A member of our Corporate Office reached out to Ms [redacted] on April 4, to discuss the Card Account offer her daughter received We permanently blocked the Card Account offer and have also removed her son’s name and address from our mailing list and he should not receive any future offers from any Netspend managed programs We have provided Ms [redacted] with our contact information should she have any additional questions or concerns Thank you, [redacted] Senior Customer Experience Specialist Netspend, a TSYS Company

Tuesday, September 26, To Whom It May Concern: Thank you for forwarding Mr [redacted] ***’s complaint [redacted] to usNetSpend relies on affiliate marketing services as a source for reaching potential new customers and card offer recipients’ information is acquired through these business relationshipsA consumer’s name and address is provided to the affiliate marketing service when the consumer opts in to receive offers and marketing materials from the third party, as well as any third party with whom they may share the informationBecause NetSpend feels strongly about customer privacy, we only contract with marketing affiliates that have collected the information from willing consumers years of age and older and have received permission to share it with usThe offer is not active and cannot be used unless activatedDuring activation, NetSpend verifies the identity of the person activating the offer to ensure that the card offer can only be used by the intended recipientIf the recipient cannot be verified, then the offer cannot be activatedAs you requested, we addressed this matter directly with Mr [redacted] on September 26, by way of telephoneThe email we sent Mr [redacted] on the same day outlined our actions to resolve his concernsWe have also removed Mr***’s son’s name and address from our mailing list and he should not receive any future offers from any NetSpend managed programsWe submitted a request to our Marketing Department to provide information concerning how the name and address was obtainedWe will provide Mr [redacted] with this information when it is receivedThank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concernThank you, [redacted] Customer Experience Specialist Netspend, a TSYS Company

Wednesday, March 14, To Whom It May Concern: Thank you for forwarding Ms [redacted] ***’s complaint [redacted] to usWe are required by the USA PATRIOT Act to obtain, verify, and record information that identifies each person who opens a card account with usWhen 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 themThe requirement to obtain this information is displayed on the card packaging prior to purchaseAs you requested, we addressed this matter directly with Ms [redacted] on March 14, by telephoneShe informed us that the issue has been resolvedHer son has received his funds put on the cardThank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concernThank you, [redacted] Customer Experience Specialist Netspend, a TSYS Company

Complaint: [redacted] I am rejecting this response because:I talked to many customer service agentsThey keep telling me send documentsAllow hoursThis company's beens holding my funds for over a week nowI feel very frustrated and inconvenienced over this matterDon't understand why they won't release my fundsAt this point I just want them to close this account and send me my money Regards, [redacted] ***

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning the inconvenience she experienced with activating her NetSpend cardShe’s requesting a refund for the card balance To help the Federal Government fight against funding terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a prepaid debit card accountWhen our cardholders open a card account, we will ask for their name, physical street address, date of birth, and other information that will allow us to reasonably identify themThis information can be found on the outside of our card packaging Ms [redacted] attempted to activate her NetSpend card on December 13, Additional information was needed to fully activate her account, and our customer service requested for Ms [redacted] to send in identity documentsThe documents she provided could not be accepted to activate her cardIn an effort to protect NetSpend cardholders, our Risk Management Department regularly monitors their accounts to provide a safe and secure product for all of our cardholdersOur Risk Management Team identified risk factors that led to the closing of Ms***’s account on January 8, She is no longer eligible for NetSpend services as a resultMs [redacted] will receive a check for her remaining card balance within the next ten business days We reached out to Ms [redacted] by telephone and email on January 13th We have not had the opportunity to speak with her, but will assist with her concerns when she returns our callNetSpend regrets the inconvenience that Ms [redacted] experienced while attempting to activate her cardWe have provided her 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] concerning a direct deposit he was expecting from the State of Kansas On November 8, 2016, Mr [redacted] contacted our Customer Service Department because he had not received his direct deposit We informed Mr [redacted] to contact the sender of the deposit and to confirm the account and routing numbers are correct for the deposit A member of our Corporate Response Team spoke with Mr [redacted] on December 8, and he asked us to call back the next day We called at the specified time and left a voice message We emailed Mr [redacted] to request details about the expected deposit such as a tracer number Our system does not show a deposit attempting to post to any account in Mr [redacted] name from the State of Kansas Our records show Mr [redacted] account received direct deposits from other senders We will continue to assist Mr [redacted] with locating this direct deposit We have provided Mr [redacted] with our contact information should he have any additional questions or concerns Thank you, [redacted] Corporate Customer Response Team NetSpend, A TSYS Company

RevDex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me. Regards, [redacted]

Complaint: [redacted] I am rejecting this response because: This is the second time I have updated the Revdex.com about the incompetence of "the bank." A large part of my complaint was in the treatment I received from the customer service department and their repeated refusal to get me in contact with the fraud department which is discretionary [redacted] each time he has replied has focused solely on the fraud department and their diligence to make sure the card is not improperly used Up to this point he has made no comments about the customer service department to your organization and only a vague, "I will look into it," to me This does not qualify as "doing everything" to address my concerns In fact it is doing nothing to address my concerns The fact that the day you post my complaints he makes a quick call and e-mail then replies back to you attempts were made to contact me but have been unsuccessful show that he is not willing to put the time into waiting for a return call What is really happening here is an attempt to ditch this complaint The first time he called me he said the card was reactivated so there was nothing further to discuss It really is a show of smoke and mirrors Netspend wants to look good only tot he consumer advocacy agencies and could care less about how they treat their customers Absolutely forward my comments on to them but at this point there is no good will from them and it is pointless to have further communication with them The Revdex.com will need to decide how to proceed with this company's rating, but for myself I am refusing to stay on the carousel of doublespeak I have no doubt you have received other complaints about this company because Mr [redacted] said he was the one all customer complaints come to If you have someone in a company dedicated to that position it means you get many such complaints As for me I have stated times now what is messed up about that company and how it affects customers My position has not changed and nothing Mr [redacted] or any representative has bloviated upon has changed that view I refuse to have any more contact with them, and refuse their limp attempt to put on a show of solving problems when it is clear they have no desire to do so Regards, [redacted]

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning the negative balance on her Card AccountOn December 31, 2016, Ms [redacted] opted into our Optional Overdraft Protection Program Ms [redacted] agreed to the terms and conditions of the Overdraft Protection Program, and began using the account feature On January 26, 2017, Ms [redacted] completed a transactions that created an overdrawn balance greater than $ These transaction also caused a pending overdraft fees to be placed on hold The twenty-four hour grace period to bring the card account back to zero or a positive balance began immediately after On January 28, Ms [redacted] contacted our Customer Service Department and requested for her Card Account to be closed If a cardholder fails to bring their Card Account back to a zero or positive balance within hours from the time of the first transaction causing an overdrawn balance greater than $10.00, the cardholder will incur an Overdraft Protection Service Fee for each transaction approved after their Card Account balance was greater than $overdrawn A member of our Corporate Office reached out to Ms [redacted] on April 7, to discuss her transaction history and the overdraft protection fees she was charged Unfortunately, we did not have an opportunity to speak directly with her As a courtesy, we waived three of the $overdraft fees, however Ms***’s Card Account remains in a negative status We have provided Ms [redacted] with our direct contact information should she have any additional questions concerning this matter [redacted] Customer Experience Analyst Netspend, a TSYS Company

To Whom It May Concern: Thank you for forwarding Ms [redacted] complaint to usAs you requested, we addressed this matter directly with Ms [redacted] on March 23, by way of telephone, e-mail, or letterIf 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 concernThank you, [redacted] Customer Experience Analyst Netspend, a TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning her disputes claim for unauthorized transactions that she reported Mrs [redacted] is requesting to be reimbursed for the disputed transactions On September 2, 2015, Mrs [redacted] reported five unauthorized transactions from PayPal, T-Mobile and DRI YACThe transactions were pending and had not been collected by the merchant at the time that she contacted our customer service to file a disputes claimAs a result of the transactions being in a pending state, our customer service was unable to file a disputes claim in our system Before the end of Mrs [redacted] ’s call, the pending PayPal transaction posted to her account, and the customer service representative was able to file a disputes claim on that transaction T-Mobile credited her account for two transactions on September 8th Mrs [redacted] ’s disputes claim for the PayPal transaction was reimbursed to her account on September 17th The remaining two transactions from DRI YAC antimalware were disputed by Mrs [redacted] on October 14th, and will receive an update by October 28th We spoke with Mrs [redacted] on October 20thto explain our disputes process, and address her additional concerns We have requested that the Disputes Department expedite her current claim When Mrs [redacted] mentioned her recent breeches with non NetSpend cards, we recommended she contact the Federal Trade Commission (FTC) She informed us that she contacted the FTC after filing a police report NetSpend regrets the inconvenience that Mrs [redacted] experienced with her disputes claim We have provided her 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: We received complaint # [redacted] filed with your office by Ermalinda ***l concerning a card she is unable to activate without sending identity documents She’s requesting a refund of her money To help the Federal Government fight against funding terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a prepaid debit card accountWhen our cardholders open a card account or add a secondary cardholder, we will ask for their name, physical street address, date of birth, and other information that will allow us to reasonably identify themThis information can be found on the outside of our card packaging Ms***l attempted to activate a NetSpend card on February 16, 2016, but her information did not automatically approve and additional information was needed to fully activate her account Our Customer Service requested for her to send identity documents so we could manually approve her account The documents she provided were unacceptable for approval On February 23rd, we reached out to Ms***l by telephone and email We corrected the spelling error in her name and the account information automatically approved We spoke with her on March 1st and activated her card for use NetSpend regrets the inconvenience that Ms***l experienced while attempting to activate her card / account We have provided her 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] concerning his dispute claim On October 4, 2016, an individual identifying themselves as Mr [redacted] initiated an account-to-account transfer of his funds to another cardholder’s account That same day, Mr [redacted] contacted our Customer Service Department to report that his card had been compromised We immediately blocked the card to prevent additional unauthorized usage and ordered a replacement We promptly opened a dispute claim and began our investigationWe informed Mr [redacted] of the investigation timeframe afforded under Regulation E We also disabled the account-to-account transfer feature on his account to prevent further unauthorized transfers In response to his communication, a member of our Corporate Response Team spoke with Mr [redacted] on October We informed him that we concluded our investigation and provided him full reimbursement for the unauthorized transfer We understand how frustrating it can be to experience unauthorized transactions on your accountNetSpend is very committed to providing a safe and secure product We apologize for the service that Mr [redacted] experienced with our Customer Service Department We have reported this incident to the management staff of the customer service agents he spoke with We have provided Mr [redacted] with our contact information should he have any additional questions or concerns Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

Friday, May 29, 2015To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] Ms [redacted] states that her card was blocked on a prior dispute with the merchant, but they charged it again She wants the refund immediately On May 22, 2015, Mrs [redacted] disputed a charge from [redacted] for $ We informed her that we would issue her an update on the claim within ten business days, June 5th At that time, the provisional credit decision will be made for her disputes claim NetSpend understands the disputes process can be a lengthy one We appreciate Ms [redacted] ’s patience while we attempt to retrieve her fundsShould she have any additional questions, she can reach us at the toll free number, 1- [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] ***Ms [redacted] states that she was overcharged by a merchant and disputed the transaction, but was not paid out the amount that was disputedShe’s requesting to be reimbursed the disputed amount of $ On May 3, 2014, Ms [redacted] disputed transactions on her account for $and $from Patriot Bail BondsWe updated her disputes claim within ten business days, notifying her to send documents to validate the overchargeWe closed the claim on June 16, with no error found on the transactions in questionMs [redacted] had previous dealings with the merchant, and we didn’t have supporting documents to prove that the transactions were invalidNetSpend regrets the inconvenience that Ms [redacted] experienced from the transactions with Patriot Bail BondsWe have provided her with our contact information should she have any additional questions or concernsThank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: [redacted] I am rejecting this response because: every time I have tried to contact the netspend company they tell me that someone will get back with me in two business days on the march 23rd incident they tried contacting an old number and then told me I had to wait two more days then on march Mr [redacted] contacted me by email in which I was promised a phone call and that email was sent at close to 6pm that day Today which is March 29th I talked to Mr [redacted] and was informed the reason they denied my dispute is because they claim when I was released I used the exact same pin that the person that stole my card used when in fact thats false When I got out of jail on 8/11/I called netspend the very next day to make the complaint and I did not have the card number to even speak with anyone, the records should show I had to use my name ssn and address just to get a representative to speak with me and replace my cardi told this to Mr***a and he insisted I used the pin someone else made and said that netpespend feel I had something to do with the money coming up missing, why would I go file a police report on someone if I asked them to get my money off my card? I even had to pay Social Security all the money back not knowing whyI asked If there was any way to show proof that I [redacted] dialed in that pin because netspend is making accusations in order not to pay me my money and it isn't fair that they can just go off their word and show no proof because my right hand to god the only way I got through to them is with my name and social security number dob and addressI just today sent Mr***a more info regarding my arrest but was told he still doesn't think they will give me my money back but he will look at the additional documentsI would like to see with my own eyes how I dialed in a pin I didnt knowas of today when I call netspend it says I have multiple cards on file so how is it possible to know the numbers to a card that was stolen and know the pin? Id like to see the proof and dated showing I put in a pinNetspends computer system is either rigged or not properly working to show just how a person talked to a representative because I most definitely did not use a pin on august 12, I believe they are making up anything not to pay me my money back when I clearly sent proof I was in jail and proof I even filed a police report to capture the person responsible for taking my moneyI just dont understand how a company so well known will deceive its customers and just be able to tell me I put a pin in when in fact their covering up the truth and cant send me or your company proof that I used a pin to get in the systemthe sent paperwork showing all the transactions but I need to see that day that a pin was used because that documnet is fabricated if in fact it shows something that is clearly impossible for me to do Regards, [redacted]

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning the activation of his Card Account 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 themThe requirement to obtain this information is displayed on the inside flap of the card package and is visible to consumers prior to purchase Our packaging also informs that the person activating the card must be at least years of age and that it is not a gift card On January 7, 2017, Mr [redacted] attempted to activate his new NetSpend Card Account Mr [redacted] did not supply the required identity information, so we could not automatically verify and approve the Card Account We requested Mr [redacted] to provide copies of his identification documents to verify his identity manually in order to approve the Card Account A member of our Corporate Office attempted to contact Mr [redacted] on February 13, to discuss his Card Account, but we have not had the opportunity to speak with him Mr [redacted] corresponded by email that he would like his account closed and refund check mailedWe informed him that a check will be mailed to the address on file and he should receive it within ten business days We have provided Mr [redacted] with our contact information should he have any additional questions or concerns Thank you, [redacted] Customer Experience Specialist Netspend, a TSYS Company

Wednesday, May 03, 2017To Whom It May Concern:Thank you for forwarding Mr [redacted] complaint to usNetSpend relies on affiliate marketing services as a source for reaching potential new customers and Card Account offer recipients’ information is acquired through these business relationships A consumer’s name and address is provided to the affiliate marketing service when the consumer opts in to receive offers and marketing materials from the third party, as well as any third party with whom they may share the informationBecause NetSpend feels strongly about customer privacy, we only contract with marketing affiliates that have collected the information from willing consumers years of age and older and have received permission to share it with us.We attempted to reach Mr [redacted] by phone and email on May and May but unfortunately, were unable to speak with Mr [redacted] We e-mailed him correspondence on May outlining our actions to resolve his complaintThank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concernThank you, [redacted] Customer Experience Analyst Netspend, a TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a NetSpend Prepaid Visa card she purchased. 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 on the inside flap of the card package and is visible to consumers prior to purchase. Ms. [redacted] purchased a Netspend card at DOLLAR GENERAL on November 14, 2016. When Ms. [redacted] called to activate the card we were unable to complete the identity verification process using the informatuon that she providedWe asked Ms. [redacted] to send us her identity documents. On November 15, 2016, Ms. [redacted] sent us a copy of her state issued identification card and proof of residency. However, we were unable to activate the card because wes till needed a copy of her Social Security Card. A member of our Corporate Response Team spoke with Ms. [redacted] on November 17., 2016 concerning her matter. They offered to mail Ms. [redacted] a refund check or activate the card in a limited use state.Thisstate allows users to spend the money on the card at physical merchant locations but not reload additional money. Ms. [redacted] elected to receive a refund check by mail. Ms. [redacted] should receive the refund check within 10 business days.We apologize for the difficulty Ms. [redacted] experienced with our Customer Service Department. Additionally, we will not share Ms. [redacted] personal information with any third parties.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