Realcor Developments Ltd.

Complaint: [redacted]
I am rejecting this response because: I have been calling and speaking to representatives since August and have not got a solution. All I request is my $195 funds that was taken out of my account 
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because: Social Security explained to me in  June 2015, they will not be sending  a letter to NetSpin.  They have nothing to do with them holding the money.  I visited the Social Security two times.  I also called ###-###-#### three times.  I visit the office last Monday and Social Security stated again they did not send NetSpin a letter nor did they tell them to hold the money of [redacted] M. [redacted].  Also, the representative look through my file and said he see no notes where I had to pay anything.  Social Security also sent my money for July 3rd. In other words, NetSpin is holding the funds for interest.  Social Security have no reason to contact them and they again said they will not send a letter to NetSpin.  NetSpin is taking matters in their own hand.  The waiver form was filled out with  Social Security. I do not know what NetSpin is talking about when it comes to Social Security or US Treasure Dept., they are not sending a letter also.
Regards,
[redacted]

To Whom It May Concern:   We received complaint # [redacted] filed with your office by [redacted] concerning her Card Account closure and dispute claim.    On October 23, 2016 Ms. [redacted] contacted our Customer Service Department to report unauthorized transactions that posted to her...

Card Account.  We immediately blocked her Card Account to prevent any further unauthorized usage and ordered her a replacement.  We opened dispute claim number [redacted] and began our investigation.  We also informed Ms. [redacted] of the timeframe afforded under Regulation E.    We concluded our investigation on Ms. [redacted] dispute claim [redacted] on November 4, 2016, and no credit was issued because we did not find that an error occurred.  We have reason to believe that the transactions were authorized and that Ms. [redacted] benefited from the transactions.   A member from our Corporate Office spoke with Ms. [redacted] on March 2, 2017, and provided her with the dispute claim resolution.  We re-reviewed the claim using the information Ms. [redacted] provided us, and based on our findings, the claim was handled appropriately.  A letter detailing the results of the investigation will be mailed to Ms. [redacted] address on file and should be received within 10 business days.   Ms. [redacted] has been provided with our contact information should she have any additional questions or concerns.    Thank you,   [redacted] Senior Customer Experience Analyst Netspend, a TSYS Company

To Whom
It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning her transactions
that could not be completed with a merchant.  She’s requesting for us to either complete the transaction, or release
the funds back into her account. Our records show...

that on November 3,
2015, Ms. [redacted] attempted a transaction with the merchant IC Solutions. Once
the transaction was initiated, NetSpend sent IC Solutions a response code (in
accordance with the VISA guidelines) to approve the transaction per their
discretion. IC Solutions didn’t move forward with completing the transaction,
and no funds were taken out of Ms. [redacted]’ account as a result. On the
following day, Ms. [redacted] attempted a transaction with a different merchant,
and the transaction successfully went through.On November 11th, we
reached out to Ms. [redacted] to make sure that all of her concerns are addressed.  Unfortunately we have not had the opportunity
to speak with her, but will assist with her concerns once she returns our
call.  NetSpend regrets the inconvenience
that Ms. [redacted] experienced with the attempted transaction with IC Solutions.  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

To Whom It May Concern:   We received complaint # [redacted] filed with your office by [redacted] concerning the delivery of her card.   On October 21, 2016, Ms. [redacted] contacted our Customer Service Department regarding a pending unauthorized transaction.  We immediately...

blocked her card to prevent future unauthorized transactions on her account and ordered a replacement card.  The card was returned back to us on November 8.   In response to her communication, a member of our Corporate Response Team spoke with Ms. Shepheard on November 14.  We ordered a new card to be expedited to her at the same address, and should arrive within 1-2 business day delivery timeframe. We also waived the shipping cost.  Our records show that Ms. [redacted] received the card ending in [redacted] and activated it on November 16.   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 experienced with activating her NetSpend card.  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 account. When 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 them. This information can be found on the outside of our card packaging.  Ms. [redacted] purchased her NetSpend card on February 24, 2016. Additional information was needed to fully activate her account, and our Customer Service Department requested for Ms. [redacted] to send in identity documents.  We received acceptable documents to approve her account on March 15th.  I attempted to contact Ms. [redacted] by phone and email to address her concerns on March 15th. On March 16th, she responded via email confirming that her card is now working.NetSpend regrets the inconvenience that Ms. [redacted] experienced while attempting to activate her 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] concerning the inconvenience her husband [redacted] experienced with activating his NetSpend card.  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 account. When 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 them. This information can be found on the outside of our card packaging.  Mr. [redacted] was given his NetSpend card on January 23, 2016 by his sister in law. On March 26th, Mr. & Mrs. [redacted] contacted our customer service trying to activate his card; however, additional information was needed to fully approve his account and our customer service requested for him to send in identity documents. On March 28th, I spoke with [redacted] and [redacted] to address their full concerns. Mr. [redacted] advised that the address we have on file was their old address. The social security number and date of birth he provided was different than what we have on file as well. I requested that he send me his identity documents to help approve his account so that he can activate his card, but he did not feel comfortable sending a copy of his social security card. Should Mr. [redacted] send me the documents needed to approve his account, I will be glad to further assist him.NetSpend regrets the inconvenience that Mr. [redacted] experienced while trying to activate his card.  We have provided him 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: Thank you for forwarding Ms. [redacted]’s 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]’s dispute claim and determined that her claim is being handled correctly. She will receive an update regarding the status of her claim on October 06, 2017. As you requested, we addressed this matter directly with Ms. [redacted] on September 22 by way of e-mail. We provided her with further insight on the dispute resolution process. Thank you for bringing this matter to our attention. Thank you, [redacted] Customer Experience Analyst Netspend, a TSYS Company

Complaint: [redacted]
I am rejecting this response because:That is my tax refund that you are holding.  I will also be contacting the IRS regarding this matter.  What is the timeframe I can get my tax refund?   Both my Federal and State tax refund was in my netspend card.
Regards,
[redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a block placed on her Netspend card.On March 21st, I spoke with Ms. [redacted] to address her concerns. Ms. [redacted] mentioned receiving one of our card offers back in October of 2015, but she...

did not activate it until February 17th. Upon activation, we requested her social security number which she felt suspicious about since she had previous Netspend cards. I explained to Ms. [redacted] that her card offers does not have her full personal information on file already. We obtained this information on February 17th and she was able to activate the card for full use.NetSpend regrets the inconvenience Ms. [redacted] experienced with the activation her card.  She has my 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 disputes claim
that she opened for an unauthorized transaction that was made on her
account.  She’s requesting to be refunded
for the unauthorized transaction. On September 3,...

2015, Ms. [redacted] reported
an unauthorized transaction on her NetSpend card.  We informed her that an update would be
provided within ten business days, September 18th.  On the tenth business day, our Disputes
Department closed the claim with no error found on the disputed transaction,
and no funds were reimbursed to the account.  On the same day a letter was mailed to her asking for clarification on
why she felt an error occurred on the charge.  We reached out to Ms. [redacted] on October 30th by telephone
and email.  Unfortunately, we have yet to
speak with her, but will address her concerns when she contacts us back.  NetSpend
regrets any inconvenience that Ms. [redacted] experienced as a result of the
disputes claim decision. 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] concerning a Card Account she purchased for her father.    The card Ms. [redacted] purchased is a reloadable, prepaid debit card and not a gift card. This type of product is intended for...

individuals who wish to have access to an electronic form of payment, but would like an alternative to a traditional bank account. We understand that because she was giving the card as a gift, she may not have seen the original card package which states “This is not a gift card” on the front of the package.   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.    On March 20, 2017 Ms. [redacted] purchased a Netspend Card Account from a retail location and loaded $100.00 on it. On April 05, Ms. [redacted]’s father attempted to use the card although he had not completed the activation process.  Mr. [redacted] contacted our Customer Service Department and provided the information requested in order to complete the activation.    We spoke with Mr. [redacted] on April 10, and explained that during routine monitoring, we placed a temporary restriction on his card account on April 5, 2017, because we detected suspicious activity.  In order to remove the restriction, we asked Mr. [redacted] to provide us with copies of his identification documents to validate his identity.   A member from our Corporate Office reached out to Ms. [redacted] on April 11, to provide further insight about the Card Account. We corresponded via email and requested her father to send the required documents to remove the restriction on the card account.  Ms. [redacted] requested to close the Card Account and receive a refund check for the remaining balance and the purchase price of the card.   A refund check for remaining balance will be mailed to the address on file and should be received within ten business days.    Ms. [redacted] has been provided with our direct contact information should she have any additional questions concerning this matter.    Thank you,   [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. I will be truly satisfied if I actually receive the check on Wednesday September
20th as promised.  
Regards, r
[redacted]

Wednesday, December 30, 2015 To Whom It May Concern: We received additional comments on complaint # [redacted] filed with your office by [redacted] concerning the fees charged while using her NetSpend card. She has not received her check and she is questioning the fees that were incurred.  On December 13, 2015, Ms. [redacted] purchased and activated a NetSpend prepaid debit card that had a balance of $87.70. According to the terms of the card, her account was automatically enrolled in our Pay As You Go Plan. This plan has no monthly fee, but charges a fee of $1 for signature transactions and $2 for PIN transactions. Ms. [redacted] requested to close her account on December 17th and a refund check for her account balance was mailed on December 21st.  We reached out to Ms. [redacted] on December 30th by telephone and email.  All the fees were returned to the card balance and then sent to her in a check. We also emailed the transaction history to her on December 30th at no charge.  NetSpend regrets the inconvenience that Ms. [redacted] experienced with our product. 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 a cancelled transaction from [redacted] that occurred on her account. She’s requesting to have the funds returned to her and is seeking compensation.On December 17, 2015, the merchant, **...

[redacted] initiated a transaction for $90.00 on Ms. [redacted] Control Prepaid MasterCard. The next day, the merchant cancelled the authorization request and the funds were released back onto Ms. [redacted] available balance.We spoke with Ms. [redacted] on January 13 and addressed her concerns. NetSpend regrets the inconvenience that Ms. [redacted] experienced. 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 his dispute claim. On October 1, 2016, Mr. [redacted] logged onto his online account center and reported two unauthorized transactions on his card ending in [redacted]. We promptly opened...

dispute claim [redacted], blocked his card to prevent further unauthorized transactions, and began our investigation. On October 2, Mr. [redacted] contacted our Customer Service Department to report a separate unauthorized transaction on his virtual card number ending in [redacted]. We immediately blocked the virtual card to prevent further unauthorized activity, ordered a replacement card and opened dispute claim [redacted] to begin our investigation. We also informed Mr. [redacted] of the investigation timeframes afforded under Regulation E, which allows up to ten business days for us to complete our initial investigation. Both of Mr. [redacted] dispute claims are scheduled for an update by October 17, 2016.  While Mr. [redacted] was informed of the correct October 17th timeframe when his claims were opened, and during his initial online communications with us, we understand that he was later informed of an October 4th claim update by one of the agents assisting him via his online account center.  A member of our Corporate Response Team spoke with Mr. [redacted] on October 7th and re-confirmed that October 17th is the correct timeframe for the initial update on his claims as originally explained.  We apologize for the misinformation Mr. [redacted] received through his online message center, and we appreciate him for notifying us of this issue. We were able to identify the agent that assisted him and have notified their management team so the proper coaching and/or disciplinary action can be taken. We will continue to process Mr. [redacted] claim as described in Regulation E, and will provide him with an initial update on his claim by October 17.    We have provided Mr. [redacted] with our contact information should he 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] concerning her dispute claim.    As you requested, we addressed this matter directly with Ms. [redacted] on April 20, 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 cardholders concern. Ms. [redacted] has been provided our direct contact information should she have any additional questions concerning this matter.       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 card she has not received. On April 12, 2016, Ms. [redacted] purchased a business account with NetSpend. Ms. [redacted] was expecting to receive a personalized card in the mail with her...

business name on it, but received a personalized card with her first and last name on it instead. Upon receipt of her complaint, we spoke with Ms. [redacted] on May 31 to assist with her card order. We obtained additional information from her and requested a personalized card with her business name on it.  Ms. [redacted] should receive this card within 7-10 business days.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

Tuesday, August 22, 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 August 17, 21, and 22, 2017 by way of telephone and email. We emailed Mr. [redacted] with the details of actions taken...

on his account to resolve his concerns on August 22. 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 Speci**ist 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.
complaint #[redacted] has been resolved
Regards,
[redacted]