Realcor Developments Ltd.

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.
Although my personal resolution is satisfactory. I still believe their advertising practices are deceptive and hope that in the future they can find better more honest means to advertise.
Regards,
[redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning his dispute claim.  On June 12, 2016, Mr. [redacted] contacted us to report unauthorized transactions that posted to his account. We immediately blocked the card to prevent further...

unauthorized use. We promptly opened a dispute claim and began our investigation. We informed Mr. [redacted] of the investigation timeframes afforded under Regulation E.  On June 26, we determined that Mr. [redacted]’s dispute claim was not eligible for a provisional credit, but we are continuing our efforts to investigate the claim.     On June 30, Mr. [redacted] contacted our Customer Service department to cancel his dispute claim as he recognized the transactions to be authorized. Since the chargeback had already be initiated with the merchant, we were unable to cancel the chargeback proceedings. Mr. [redacted]’s dispute claim is scheduled to be finalized by the end of the day on July 27. The results of the investigation will be sent to Mr. [redacted] in writing within 3 business days of completing our investigation.We contacted Mr. [redacted] on July 6 to discuss his dispute claim and explain the chargeback process.  We have provided Mr. [redacted] with our contact information should he 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 disputes claim that was filed with our company. She’s requesting to receive a credit to her account immediately because her card was compromised while she was in the hospital. On...

December 1, 2015, Ms. [redacted] contacted us to report unauthorized charges on her card. As a protection we blocked that card and ordered a replacement to be delivered. Our customer service representative incorrectly informed Ms. [redacted] that she would receive an update for her disputes claim within 10 business days. She contacted us on the 10th business day, but was advised that it would take an additional 10 business days for an update as a result of her account being new. Per Federal Reserve’s Regulation E guidelines, an account that is considered “new” can take up to 20 business day for an initial review. We spoke with Ms. [redacted] on December 22st and addressed her concerns. We apologized for incorrect information that our customer service representative provided her with, and have taken the appropriate actions to prevent this from occurring in the future. We have asked Ms. [redacted] to submit documentation for her hospital stay, and will provide her with an update on December 29, 2015. Additionally, 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 a block on her account that was caused by a merchant refund. She’s requesting access to her funds.    Our Fraud Prevention Team regularly monitors account activity in order to...

provide a safe and secure product for all of our cardholders. On September 11, 2015, a systemic block was placed on [redacted]’s account after O’Reilly Auto credited her card $225.67. In the event that a refund takes place on a NetSpend account with no corresponding debit, it’s our policy to request a copy of the original purchase receipt in order to authenticate the refund. This policy is in accordance with our responsibilities under the VISA processing rules. The merchant can also reverse the credit and issue the funds to [redacted] by another method of reimbursement.  A third option would be for the merchant to send a Letter of Indemnity to NetSpend so that the funds can be returned to the originator. The originator would then apply the credit by other means. The merchant credited [redacted]’s account six additional times for different amounts between September 16th and 22nd.  On January 25, 2016, we reached out to [redacted] by telephone and email.  We have not had the opportunity to speak with her, but will assist with her concerns when she returns our call. NetSpend regrets the inconvenience that [redacted] experienced as a result of the block on her account. She has my contact information should she have any further 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 dispute claim. On March 31, 2016, Ms. [redacted] disputed several unauthorized transactions that posted to her account. We immediately blocked her card to prevent further unauthorized use. We...

opened a dispute claim and began our investigation. We also informed Ms. [redacted] of the investigation timeframes afforded to financial institutions, under Regulation E. We spoke with Ms. [redacted] on April 18 and explained the 20 business day investigation timeframe for new accounts. We apologize for the misinformation she received from our Customer Service Department. We have reported this incident to the management staff of the customer service agents she spoke with. Ms. [redacted] has 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 # *** filed with your office by *** *** concerning a merchant transaction that has been reported as a scam.   On October 13, Ms. *** authorized her card to be charged by merchant, SUPPORTBUDDY for $329.98. Ms. ***...

discovered the company was a scam and contacted our Customer Service Department later the same day, to open a dispute claim. Our agent informed Ms. *** the transaction was still pending status at the time and she would need to call back to dispute the charges once the merchant collected the funds. Ms. *** contacted us on October 14, and we released the pending authorization back into her available balance; we advised Ms. *** that releasing the authorization is not a stop payment and if the merchant who, having received authorization for the transaction, completes the settlement process, she will have to call us to dispute the transaction.   On October 30, SUPPORTBUDDY posted the transaction to Ms. *** account and she contacted us to open a dispute claim. We immediately blocked her card to prevent any additional activity from this merchant.  We promptly opened a dispute claim and began our investigation.  We informed Ms. *** of the investigation timeframe afforded under Regulation E.   A member of our Corporate Response Team spoke with Ms. *** on November 1, to discuss the transaction. Our records show that on November 1, the merchant credited the full amount to Ms. *** account.   We have provided Ms. *** with our contact information should she have any additional questions or concerns.    Thank you,   *** *** 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 pending MoneyGram transaction
on his account that he’s requesting to be released back into his account
balance.  On
October 15, 2015, a $215 MoneyGram transaction was initiated on...

Mr. [redacted]’s account.  As a courtesy, we released the pending
transaction from MoneyGram back into Mr. [redacted]’s account on November 3rd.
Releasing this transaction is not a void or cancellation of the original
transaction.  If MoneyGram collects the
funds later, Mr. [redacted] has the options to either work with the merchant to
retrieve his funds, or file a dispute through NetSpend.  The Office of Foreign Assets Control (OFAC) of the US
Department of the Treasury administers and enforces economic and trade sanctions
based on US foreign policy and national security goals against targeted foreign
countries and regimes, terrorists, international narcotics traffickers, those
engaged in activities related to the proliferation of weapons of mass
destruction, and other threats to the national security, foreign policy or
economy of the United States. Ukraine is a country that’s identified on the
OFAC list, which is why Mr. [redacted]’s MoneyGram transaction could not process
to his account. NetSpend is totally compliant with the laws established by the
US Government.    We regret
any inconvenience that this has caused Mr. [redacted]. He has been given our
contact information should he have any additional questions or concerns.  Thank
you,[redacted]Corporate
Customer Response TeamNetSpend A TSYS Company

Wednesday, June 14, 2017 To 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 June 13, 2017 by way of telephone. We emailed him the details on his accounts on June 14. ...

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

Monday, July 10, 2017 To 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 July 6, 2017 by way of telephone. We emailed Mr. [redacted] the details of the actions to resolve his complaint...

on July 10. 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] concerning a block on his account that was caused by an unusual transaction. He’s requesting to be compensated for the new card he purchased, and an explanation for the account block.   Our...

Fraud Prevention Team regularly monitors account activity in order to provide a safe and secure product for all of our cardholders. On December 11, 2015, a systemic block was placed on Mr. [redacted]’s account due to an attempted transaction that required verification by our Fraud Prevention Team.  On the following day, our Fraud Prevention Team confirmed that the attempted transaction was authorized by Mr. [redacted], but the card remained blocked as a security precaution. Another block was placed on the account as a security measure when Mr. [redacted] attempted a transfer of funds between two NetSpend accounts. The block was removed on December 14th when Mr. [redacted] answered security questions to validate that it was him attempting the transfer. On December 15th, Mr. [redacted] received and activated his replacement card.  On December 21st, we spoke with Mr. [redacted] and explained the efforts to protect his funds that were loaded to his prepaid card.  We addressed his concerns about the new card that he purchased. NetSpend regrets the inconvenience that Mr. [redacted] experienced as a result of the blocks on his account. We strive to prevent fraudulent activity and to protect our cardholder’s funds, and hope that Mr. [redacted] can appreciate our efforts.  He has been provided with my contact information should he have any further questions or concerns. Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

To Whom It May Concern:   We received complaint # 11988321 filed with your office by [redacted] concerning the fees associated with his Card Accounts.   The Netspend packaging that the card comes with also has important information that notifies the consumer of basic fees that are...

associated with the card. This information is also available on our website.    On January 20, 2017, Mr. [redacted] contacted us to activate his new Netspend Card Account.  The default fee plan is a Pay As You Go, if the alternative monthly Fee Advantage plan is not selected.  The Pay As You Go fee plan charges a $1 fee for signature purchases and a $2 fee for purchase using the PIN.    A member from our Corporate Office spoke with Mr. [redacted] on February 15, and explained the fees and fee plans.  As a courtesy, we refunded the fees he was charged to use his Card Accounts.  Mr. [redacted] requested to close his card accounts and have a refund check for the remaining balance sent to the address on file.  We advised the refund checks will take 10 business days to arrive.    We apologize for any inconvenience Mr. [redacted] experienced when calling our automated phone system or speaking to our Customer Service Department.  We have reported this incident to the management staff of the customer service agents he spoke with so that they receive appropriate coaching concerning the card account fee plans.   We have provided Mr. [redacted] with our contact information should he have any additional questions or concerns.    Thank you,   [redacted] Customer Experience Analyst Netspend, a TSYS Company

Complaint: [redacted]
I am rejecting this response because: No where on the prepaid card packaging did it state any fees for an online purchase. I did not use a pin nor did I use a signature purchase which were the only 2 listed fees on the packaging. I was told on the recorded phone call that I signed for a purchase. That was a lie. Then I was told that I used a pin to make my purchase. That was a lie. This company's business practices are illegal. They need to be investigated. I have seen several open and closed cases through several law firms already. They are in violation of EFT laws as well as breach of contract, misleading consumers, and other governing agencies. I have the recorded call as proof. I am seeking reimbursement for time spent on the phone in order to to request my refund. Also, I was charged balance inquiry fees when I called in and never requested a balance inquiry. The agents just tack on misc fees at their leisure. The only reason this was escalated is due to the Revdex.com complaint filed against them. On the recorded phone call I told the agent I was going to bill them at 5 ounces of silver per minute and the agent agreed. He wasted over 2 hours of my time and refused to transfer me to a supervisor. I'm owed approximately 50 minutes at a rate of 5 ounces of silver per minutes. Have [redacted] do the math and send a check for this amount or send me the silver. 
Regards,
[redacted]

To 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 January 8, 2018 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 Analyst Netspend, a TSYS Company

To Whom It May Concern:   We received complaint # [redacted] filed with your office by [redacted] concerning the closure of her account.   On October 26, 2016, Ms. [redacted] filed a dispute for unauthorized transactions through her online account center.  We promptly opened a dispute...

claim and began our investigation.   We informed Ms. [redacted] of the investigation timeframe afforded under Regulation E. On November 9, we concluded our investigation and issued full reimbursment for the dispute amount.  During the investigation of Ms. [redacted] claim we identified several risk factors associated with her account. Due to these concerns, we have closed her account and we are no longer able to offer her NetSpend services. In response to her communication, a member of our Corporate Response Team attempted to reach Ms. [redacted], however, we were unable to speak with her. On November 15, we mailed Ms. [redacted] a refund check for the remaining balance, she should receive check within 10 business days.    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 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 fees associated with her new account.   On April 4, 2016, Ms. [redacted] purchased an Ace Elite NetSpend card.  On August 29, she contacted us to activate her personalized...

card. The default fee plan is a Pay As You Go, if the alternative monthly Fee Advantage plan is not selected.  Ms. [redacted] direct deposit arrived to the account on September 14 and she began using her card for purchases.  The Pay As You Go fee plan charges a $1 fee for signature purchases and a $2 fee for purchase using the PIN.  This was according to the selected fee plan.     In response to her communication, a member of our Corporate Response Team spoke with Ms. [redacted] on September 22, to discuss the fees associated with her account.  We subscribed her to the monthly $5.00 Fee Advantage plan and, as a courtesy, we refunded all the transaction fees she was charged since her account was opened.      We apologize for the service that Ms. [redacted] experienced with our Customer Service Department regarding the wait time and information provided.  We have reported this incident to the management staff of the customer service agents she spoke with.   We 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:   Thank you for forwarding Ms. [redacted] complaint # [redacted] to us.   We reviewed Ms. [redacted] account and determined she attempted to perform an instant transfer from her PayPal account to her PayPal Prepaid MasterCard account on June 18, 2017. ...

The transfer was unsuccessful and we have reported the incident to avoid any further delay with our transfer feature.   We are sorry to hear that Ms. [redacted] had a bad experience with our Customer Service Department.  We have reported this incident to the management staff of the customer service agents she spoke with to ensure that they receive appropriate coaching on our policies and procedures.    We attempted to reach Ms. [redacted] by telephone on June 16, 20, and 21, but unfortunately, were unable to speak with her. We emailed Ms. [redacted] on June 20 and 21, outlining our actions to resolve her complaint. We are re-reviewing Ms. [redacted] account and will provide her an update as soon as the information is available.  Her case has been assigned to a Corporate Customer Response Team Analyst, [redacted]. Should she contact our Customer Service Department, we have left notes on his account for her to be connected with [redacted] to further assistance 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

Monday, December 18, 2017 To Whom It May Concern: Thank you for forwarding Mr. [redacted]’ complaint [redacted] to us.  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 card packaging prior to purchase. We attempted to reach Mr. [redacted] on December 13, 15, and 18, 2017 by telephone and by email, but unfortunately, we were unable to speak with him. The email outlined our actions to resolve his complaint.  Mr. [redacted]’ 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 and giving us the opportunity to resolve our cardholder’s concern. Thank you, [redacted]. [redacted]Customer Experience Specialist 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]             Well for one thing I am a women........my mother had problems with netspend also......I reported the card stolen that week we had bad weather her all week............I never recived any tex messages that entire week.................and I went to that win dixie the store manager played the security video and it was used by a man..............also.they blocked and closed my account for  no reason other than my moms problems with her card they also blocked and closed...............due to problems but they cant blame me for that.............I cant believe they are treating people this way...........that was all the money I had................and in there flier brochur..............they say they hanled any theft charges................the store manager said they never even called............so what did they do for 10 buisness days they claim to use to so call investagate..............also they sent me nasty emails..........oh and that pin is my birthday that everyone at my church knows..............and it was written on back of card..............I need help with this this is tottally not right or fair............also they keep senting emails and now tex that I have an online secure inbox messages.............that I cant even read because they cancelled my card a few days before my direct deposit..................to be nasty to me and my family.........also they blocked my on line account due to my mothers problems with them.................I am hiring an attorny to sue them if they dont settle this..........................Thank you so much have a nice day.............
I am rejecting this response because:
Regards,
[redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted]. Mr. [redacted] states that an error occurs when he tries to access his PayPal account online with his new PayPal Prepaid MasterCard. He wants to logon as he normally did with his old card. On May 15, 2015 we...

contacted Mr. [redacted] to give an option for his new PayPal Prepaid MasterCard. The older account that Mr. [redacted] has from 2013 remains linked to his PayPal account. The fastest way for him to use the new PayPal Prepaid MasterCard would be to link it to a new PayPal account. He did not want to exercise that option. We honored his request to close the new card. NetSpend regrets the inconvenience Mr. [redacted] experienced the new PayPal Prepaid MasterCard. He has been given our contact information should he have any additional questions or concerns. Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company