Realcor Developments Ltd.

Complaint: [redacted]
I am rejecting this response because: I have provided my birth certificate, my Social Security card, and Driver's License. I'm willing to also send a copy of my State Identification Card. 
Regards,
[redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted]. Ms. [redacted] mentions that her card was blocked due to a fraudulent transaction and the replacement card was not received in nine days. She wants a new card to access the funds on her account. Our Risk...

Management Team regularly monitors our cardholder’s accounts in efforts to prevent compromising activity, or unacceptable account usage. Our Risk Management Team identified risk factors that led to the blocking of Ms. [redacted]’ card on August 7, 2015. This effort was to protect our cardholder against future unwanted charges. The suspicious transaction could not be verified by Ms. [redacted] and the card remained blocked. A new card was requested that day and later activated on August 17th. NetSpend regrets the inconvenience that Ms. [redacted] experienced while waiting on the replacement card. 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

Monday, November 6, 2017 To Whom It May Concern: Thank you for forwarding Ms. [redacted]’s complaint # [redacted] to us. We validated that Ms. [redacted]’s cards are no longer active and cannot be used for additional unauthorized transactions. Her dispute claims were closed with no error found...

on October 3, and 19, 2017. After a review on October 10, and November 1, we determined Ms. [redacted]’s claims were handled appropriately. As you requested, we addressed this matter directly with Ms. [redacted] on November 6, 2017 by way of telephone. We sent Ms. [redacted] emails of the dispute investigation documents and the merchant documents sent to validate their charge. . Ms. [redacted]’s case has been assigned to Corporate Response Team Analyst, [redacted]. 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]. [redacted]Customer Experience Specialist Netspend a TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a merchant refund she has not received. Upon receiving her complaint, we spoke with Ms. [redacted] on June 15, 2016 to address her concerns about the merchant refund she has not received. We advised...

Ms. [redacted] that we post merchant refunds as soon as they are received. Ms [redacted] mentioned that she received one credit from the merchant, but is still expecting three additional credits. We also informed Ms. [redacted] that we can dispute these unauthorized transactions should the merchant fail to credit the account. We apologize that Ms. [redacted] was unable to log into her online account center. We confirmed that she can now access her account online.Ms. [redacted] has been provided 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:I did have a conversation with the company rep. She was very kind and willing to resolve the issue. She has said I would receive the funds in 3-5 business days. I will consider the complaint resolved when I receive the funds. I will update when I receive.
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because: I still don't like Netspend, and will never speak highly of the scandalous greed revolving around the company, but [redacted] actually does her job well, so I'm sure she is contracted labor, and doesn't actually work for netspend.  I cannot accept until my dear friend Paul of Netspend customer service is removed from his position completely.
Regards,
[redacted]

Monday, January 29, 2018To Whom It May Concern:Thank you for forwarding Mr. [redacted] complaint [redacted] to us. As you requested, we addressed this matter directly with Mr. [redacted] on January 29, 2018 by way of telephone.  An email was sent to Mr. [redacted] outlining our actions to...

resolve his complaint.  Mr. [redacted]’s case has been assigned to Corporate Response Team Analyst, [redacted].  Should Mr. [redacted] contact our Customer Service Department, we have left notes on his account for him to be connected with [redacted] to further assist him with this matter.  Thank you for bringing this matter to our attention.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] concerning the funds loaded on her Card Account.   On February 22, 2017, Ms. [redacted] received a new Netspend Card Account from Check N Go with $1300.00 deposited.  Ms. [redacted] activated her...

card account and completed an online transaction that same day.  Later that evening, Check N Go contacted Netspend to void the transaction and retrieve $720 due to an error on their end which resulted in over deposit.  This action caused the card sale to be cancelled and removed Ms. [redacted] card from the Card Account.   A member from our Corporate Office spoke with Ms. [redacted] on February 24, 2017, and explained what happened on her Card Account.  We reattached her card to the account and she gained access to her funds.  We explained the use of the card account and issued her a courtesy credit we reimbursed the fees associated with her card.   We apologize for the inconvenience Ms. [redacted] experienced as a result of the errant deposit and the retrieval of funds.  We have reported this incident to the management staff of the facility that issued her the Card Account.   We have provided Ms. [redacted] with our contact information should she have any additional questions or concerns.    Thank you,   [redacted] Corporate Customer Experience Specialist NetSpend, a TSYS Company

To Whom
It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning refund checks for her
closed accounts that she has not received. She’s requesting for the funds to be
sent to her.   In
an effort to protect NetSpend cardholders, our Risk...

Management Department
regularly monitors their accounts to prevent compromising activity, or
unacceptable account usage.. Our Risk Management Team identified risk factors
that led to the closing of Ms. [redacted]’s accounts on September 20, 2015.  She is no longer eligible for NetSpend
services due to the risk factors that were identified. We are unable to
disclose our methods that identify these factors for security purposes. We
mailed two checks to the address on file for Ms. [redacted] on September 24th.  The check for $114.05 was returned to back to
NetSpend as undeliverable on November 3rd.  The second check for $54.57 has yet to be
returned to NetSpend. Our accounting department is currently researching if
this check has been cashed.  On November 11th, we spoke
with Ms. [redacted] concerning her refund checks.  We confirmed her address, and will resend her replacement checks after confirming
that the last check has not been cashed.  NetSpend regrets the inconvenience that Ms. [redacted] experienced as a
result of not receiving her refund checks.  She has been provided my contact information should she have any further
questions or concerns. Thank
you,[redacted]Corporate
Customer Response TeamNetSpend A TSYS Company

Friday, August 11, 2017 Thank you for forwarding Ms. Marguerita [redacted] complaint # [redacted] to us. We reviewed Ms. [redacted] dispute claim and determined that it is being handled appropriately. Ms. [redacted] document was reviewed and a provisional credit was issued on August 11. The final update...

for her claim is scheduled for September 1. As you requested, we addressed this matter directly with Ms. [redacted] on August 10, 2017 by way of telephone. We emailed Ms. [redacted] detailing the actions taken on her account to resolve her concerns on August 11. 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 was assured by NetSpend that her stop payment request would prevent the merchant, Time Warner from collecting funds from her account, but the transactions went though. She’s...

requesting reimbursement for those transactions. On August 14, 2015, Time Warner (TWC) charged two ACH (Automated Clearing House) transactions to Ms. [redacted]’s account in the amounts of $20 and $742. Ms. [redacted] had previous ACH transactions from TWC, and requested stop payments for those in the amounts of $25.00 and $342.46. The ACH stop payment is only effective for a specific merchant and dollar amount. If the merchant changes the amount of the ACH transaction in the future, a new charge will occur on the impacted account until a new ACH Stop Payment is initiated for the new amounts. Ms. [redacted] has sent us new forms to stop the most recent ACH transactions with TWC. As for her disputes claim with TWC, we require her to submit official documents from TWC, confirming the cancellation of her TWC account so we can attempt to recover her funds. When we receive this document from her, we will proceed with disputing the transactions from TWC. NetSpend regrets any inconvenience that Ms. [redacted] experienced as a result of ACH debits from TWC. 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

Complaint: [redacted]
I am rejecting this response because: I have not received my check for 503.37. And now there is more money due to me in the amount of $151.12. Upon calling Netspend on several occasions I have been put on hold for at least 45 minutes or more each time. This is not good business practice nor customer service. Also, if everyone has acces to the same account information, there should NEVER be a reason that a person gets told 5 different things. I was told a check was issued and processed on 12/16. Three reps told me it was done on 12/17. Another told me that it was mailed on 12/18. I called today and was told that it was mailed on 12/21. Which is it? In the mean time I still don't have any money to buy food for myself and my daughter. Your apologies for my inconvenience can not put food on my table or pay my medical bills for the hospital stay from my blood pressure increasing due to this situation. You have a total of $654.49 of my money that I worked hard for. This is not right.  Also, who is Ms. [redacted]? At this time I have no further choice other than to go to the courthouse and file a small claims case against PayPal Prepaid/Netspend/Bancorp bank for providing false information, fraud (supervisors have stated that they spoke with me and they haven't), and all late fees for expenses which I was not able to pay due to your company withholding my money from my employer. I have also notified my employer and they have filed a complaint as well.  The only option I'm willing to a accept at this point is immediate delivery of my money, expedited and mailed overnight through UPS! I simply can't wait until December31st to feed my kid.
Regards,
[redacted]

Thursday, June 23, 2016   To Whom It May Concern:   We received complaint # [redacted] filed with your office by [redacted] concerning her dispute claim.    On April 5, 2016, Ms. [redacted] used her card for a transaction with www.[redacted].com for $315.00.  On April 15,...

the same merchant credited Ms. [redacted]’s account $282.50.  Ms. [redacted] disputed the original charge of $315 on May 18.  We immediately opened a dispute claim and began our investigation.  We also informed Ms. [redacted] of the investigation timeframes afforded under Regulation E.    We concluded our investigation of Ms. [redacted]’s dispute claim on June 6 and no credit was issued because we did not find that an error occurred. The merchant provided documents to validate the transaction.  A letter detailing the disputes claim investigation was mailed to Ms. [redacted]’s address on file.   Upon receiving Ms. [redacted]’s complaint, we reached out to her on June 23, but unfortunately, we have not had the opportunity to speak with her.  We sent an email explaining her disputes claim and included a copy of her transaction history.   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] concerning the inconvenience she has experienced with her dispute claims.  On February 9, 2016, Ms. [redacted] disputed two transactions from [redacted] for $37.67 and $58.35 through the website,...

[redacted]  Our Disputes Department closed her claim on March 17th as they did not find an error occurred on the disputed transactions and no funds were credited to her account.  The merchant validated their claim to the funds.  We communicated with Ms. [redacted] on March 25th by email and she informed us that she attempted to return the merchandise back to the merchant, but they would not provide a return address.  If she does obtain an address and method to return the product to the merchant, [redacted] can credit her directly. We apologize for any inconvenience that Ms. [redacted] experienced while disputing the merchant charges. She has 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 her card that has not arrived.  She’s requesting a card to access her funds, or to transfer her money to another account. On February 8th, Ms. [redacted] reported that she has not...

received her new card. We have expedited a card order to her address and she should receive it by the end of the business day, February 11th.  On February 10th, Ms. [redacted] spoke to our customer service department and they assisted her with transferring her funds to another NetSpend account.  We reached out to Ms. [redacted] on February 11th and we addressed her concerns.  The tracking number for her expedited card order was offered, but she stated she had already received it via email. NetSpend regrets the inconvenience that Ms. [redacted] went through concerning her card order requests.  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

January 19, 2018To Whom It May Concern: Thank you for forwarding Ms. [redacted] complaint to us. When investigating dispute claims reported by our cardholders, we adhere to the processes as defined in both Regulation E and in NetSpend cardholder agreements that customers receive when opening...

an account. We’ve reviewed Ms. [redacted] dispute claim and complaint that provisional credit was not provided. After review, we’ve determined that her claim was handled correctly. As you requested, we addressed this matter directly with Ms. [redacted] on January 18, 2018 by way of e-mail. We provided her with further insight on the dispute process. Ms. [redacted] case has been assigned to a Corporate Customer Response Team Analyst, [redacted]. Should she 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 Analyst Netspend, a TSYS Company

To Whom It
May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a refund check that she
received for a lesser amount than she loaded to the card.  She’s requesting a refund for the additional
amount.  Ms.
[redacted] purchased her NetSpend...

card on August 29, 2015. When she attempted to
activate her new card, our system associated her information with a previous
account that had a negative balance. This resulted in her new card being
blocked.  A monthly plan fee of $4.95 was
deducted from her balance two days later in accordance with the terms of her
card.  A check for the remaining balance
was mailed to her on September 3rd.  We reached out to Ms. [redacted] on November 4th by telephone
and email, but have not spoken with her.  The monthly fee has been refunded and a check will be mailed to her address
by November 6th.  NetSpend
regrets the inconvenience that Ms. [redacted] experienced while attempted to
activate her new card.  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 [redacted]. [redacted] states that her payroll department had to get involved after three days of her trying to get her money. She wants compensation in the amount of $700.00 for pain and suffering. On May 6,...

2015, [redacted]’s payroll was presented for posting to a new account that had been set up four days prior. Because she had not received the personalized card yet for this account, we temporarily blocked the deposit until we could ensure this was actually [redacted]’s intentions. Since she had been receiving her deposits to another account for sixteen months, the sudden switch raised some concerns. The next day after her deposit arrived to the new account, we attached a temporary card so she could access her funds. NetSpend regrets the inconvenience [redacted] experienced while waiting to gain access her funds. 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

To Whom It May Concern:   We received complaint # [redacted] filed with your office by [redacted] concerning her dispute claim.   On October 23, 2016, Ms. [redacted] contacted us to report an unauthorized charge on her account.  We immediately blocked the card to prevent additional...

unauthorized usage and ordered her a replacement.  We informed Ms. [redacted] that the transaction was still in a pending status at the time and she would need to call back to dispute the charge once the merchant collected the funds.  Ms. [redacted] opened a dispute claim for the charge from Direct TV on the next day.  We promptly opened a dispute claim and began our investigation.  We also informed Ms. [redacted] of the investigation timeframe afforded under Regulation E.    We concluded our initial investigation on November 7, and determined that Ms. [redacted]’ dispute claim was not eligible for a provisional credit, but we are continuing our efforts to investigate the claim.   The claim is scheduled to be finalized by the end of the day December 8. 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 6 to discuss her dispute claim.  We advised that a provisional credit was not applied to her account due to not receiving her letter of dispute within the first ten business days. We also explained that the chargeback process removes the disputed funds from the merchant, but the funds are not credited to either party until the claim finalizes.   On December 8, the claim was finalized and we issued full reimbursement for the dispute transaction to Ms. [redacted]’s account.   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.   Ms. [redacted] has been provided with our contact information should she have any additional questions or concerns.    Thank you,   [redacted] Corporate Customer Response Team NetSpend, A TSYS Company

Thursday, February 15, 2018 To Whom It May Concern: Thank you for forwarding Ms. [redacted] complaint # [redacted] to us. When investigating dispute claims reported by our cardholders we adhere to the processes as defined in both Regulation E and in NetSpend cardholder agreements...

that customers receive when opening an account. We’ve reviewed Ms. [redacted] dispute claim and we’ve determined that her claim is being handled correctly.As you requested we addressed this matter directly with Ms. [redacted] on February 15, 2018. Ms. [redacted] informed us she is satisfied with the response to her concerns.  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