Realcor Developments Ltd.

Friday, September 1, 2017 To Whom It May Concern: Thank you for forwarding Mrs. [redacted]’s additional comments on complaint # [redacted] to us. We attempted to reach Mrs. [redacted] on August 25, 30, 31, and September 1, 2017 by way of telephone, but unfortunately, we were unable to speak with her. We sent Mrs. [redacted] an email detailing the date of her son’s Card Account closure and the date his refund check was mailed to the address we have on file.  On September 1, 2017, we mailed Mrs. [redacted] a letter with the same information.  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 the inconvenience he experienced with our customer service.  He’s requesting information about his tax refund status.  On February 15, 2016, we reached out to Mr. [redacted] by...

telephone and email.  We have not spoken with him but will assist once he returns our call.  We recommend that Mr. [redacted] contact the IRS directly as NetSpend has not received a deposit to his account.  He can confirm his tax refund status by calling [redacted] or [redacted] and clicking on the, “Where is my refund” button. NetSpend regrets the inconvenience that Mr. [redacted] experienced while waiting on his tax refund.  We have provided him with our contact information should he have any additional questions or concerns.  Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

Complaint: [redacted]
I am rejecting this response because: I did not request to close my account there was no need for the one that you guys never sent the card out for three times because I already had a temporary card for the new account it was closed so that would not have duplicate accounts with you guys I have yet to receive any refund or credit or any check and in a further personal note all the confusion and misinformation makes me not want to deal with nets pend at all.
Regards,
[redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted]. Mr. [redacted] states that he received an unsolicited prepaid card from NetSpend with his name on it. He wants to be removed from our marketing list and does not want to receive any more cards. NetSpend...

works with third party marketing partners that provide us with information for consumers who may need a service like our prepaid debit card. We mail those consumers card offers. The card offer is not active and the card cannot be used unless activated. Our activation verifies the identity of each potential cardholder as a part of our Customer Information Program. This ensures that the card can only be used by the intended recipient. During the offer activation, we collect social security number and date of birth to verify identity only. There is no credit check involved because our Prepaid Debit Card is not a credit card. On August 4, 2015, we reached out to Mr. [redacted] by telephone and email. We informed him that our system has been updated so no future card offers will be sent. We regret any inconvenience Mr. [redacted] experienced as a result of this card offer. 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

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a NetSpend Prepaid MasterCard she received in the mail. NetSpend relies on affiliate marketing services as a source for reaching potential new customers and card 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 information. Because NetSpend feels strongly about customer privacy, we only contract with marketing affiliates that have collected the information from willing consumers 18 years of age and older and have received permission to share it with us.The offer is not active and cannot be used unless activated. During 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.A member of our Corporate Response Team attempted to reach out to Ms. [redacted] regarding the card she received, but unfortunately, we have not been able to speak with her. At her request, we permanently blocked the card offer and removed her information from further marketing offers for NetSpend products. Additionally, we are mailing Ms. [redacted] a letter stating we have removed her information from further marketing of Netspend products.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

Wednesday, June 22, 2016   To Whom It May Concern:   We received complaint # [redacted] filed with your office by [redacted] concerning her dispute claim.    On May 26, 2016, Ms. [redacted] contacted us to report an unauthorized online transaction that occurred on her...

account.  We immediately blocked her card to prevent additional unauthorized charges and ordered a replacement.  The agent Ms. [redacted] spoke to released the pending unauthorized transaction back to her account balance, and moved the remaining funds to another account in her name.  The release of a pending charge is not a void or cancellation of the transaction. The merchant collected the transaction later that night.    On June 3, 2016, Ms. [redacted] contacted us to dispute the unauthorized transaction that posted to her account.   We immediately opened a dispute claim and promptly began our investigation. We also informed Ms. Akins of the investigation timeframes afforded under Regulation E.      We completed our initial investigation on June 20, and issued a provisional credit for the disputed amount.  The next update for Ms. [redacted]’s ongoing disputes claim will be July 18..    Upon receipt of her complaint, we spoke with Ms. [redacted] on June 20, and informed her of the provisional credit and when to expect a final update on her disputes claim.    We understand how frustrating it can be to experience unauthorized charges on your account. NetSpend is very committed to providing a safe and secure product.    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

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning her tax refund deposit that was sent to an incorrect account number.  On March 4, 2016, we spoke with Ms. [redacted] and addressed his concerns.  We informed her that an ACH (Automated...

Clearing House) deposit must have the complete numbers in order to post to her account.  If the deposit cannot be posted to an account, it is returned to the sender.  We offered to conference call the IRS so we could obtain a trace number for her deposit.  It was not an opportune time, so we emailed her our contact information so she could call back.  We attempted to reach her again on March 9th, but unfortunately, we did not have the opportunity to speak with her.  We emailed her the contact information for the IRS; [redacted] or their website IRS.GOV.  The Internal Revenue Service can provide her with the information about her tax refund.  NetSpend regrets the inconvenience that Ms. [redacted] experienced while waiting on her tax refund.  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 Netspend Prepaid MasterCard he received in the mail.   Netspend relies on affiliate marketing services as a source for reaching potential new customers and card 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 information. Because Netspend feels strongly about customer privacy, we only contract with marketing affiliates that have collected the information from willing consumers 18 years of age and older and have received permission to share it with us.   The offer is not active and cannot be used unless activated. During 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.   A member of our Corporate Office permanently blocked the card offer and have also removed Mr. [redacted] address from our mailing list and he should not receive any future offers from any Netspend managed programs. Additionally, we have submitted a request to our Marketing Department to provide information concerning how their name and address were obtained.  We will provide this information to Mr. [redacted] as soon as it received.   We are sorry to hear that Mr. [redacted] had a bad experience with our Customer Service Department.  We have reported this incident to the management staff of the customer service agents he spoke with to ensure that they receive appropriate coaching on our policies and procedures.   We have provided Mr. [redacted] with our contact information should he have any additional questions or concerns.    Thank you, [redacted] Senior Customer Experience Specialist Netspend, a TSYS Company

To Whom It May Concern:   We received complaint # [redacted] filed with your office by [redacted] concerning the activation of her daughter’s card who is a minor   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.  Our packaging also informs that the person activating the card must be at least 18 years of age.    On November 11, 2016, Ms. [redacted] daughter, [redacted], attempted to activate her new NetSpend cards, but her identity information could not be automatically verified.  We informed her that her mother would need be to be the primary account holder for each account, as we are unable to approve accounts for any person under the age of 18 and requested documents. On November 14, Ms. [redacted] requested for her account to be closed and to receive a refund check for remaining account balance.   A member of our Corporate Response Team spoke with Ms. [redacted] on November 28, regarding her daughter’s account.  We informed Ms. [redacted] that a refund check was requested to be mailed to her address on file.  The check should arrive within 10 business days. On November 30, we received the refund back to our office due to an invalid address.  Ms. [redacted] contacted our Customer Service Department and we will mail the check to the provided address.  Ms. [redacted] should receive the check within 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 Team NetSpend A TSYS Company

Wednesday, February 08, 2017To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning the activation of her 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 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.  On February 1, 2017, Ms. [redacted] attempted to activate her new Netspend Card Account, but a temporary account block prevented use of the card.  We requested Ms. [redacted] to provide copies of her identification documents to verify her identity in order to approve the Card Account.  On February 3, Ms. [redacted] sent in copies of identifying documents, but they were insufficient to remove the block from her Card Account.  We received the documentation we requested on February 6, and the block was removed.A member of our Corporate Office reached out to Ms. [redacted] on February 8, 2017, and apologized for the experience she had.  Ms. [redacted] was able to access her available balance after the block was removed from her Card 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 he spoke with.We have provided Ms. [redacted] with our contact information should he have any additional questions or concerns.  Thank you,[redacted]Customer Experience AnalystNetspend, a TSYS Company

Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]
 No one from Net Spend Called Me Or Reached Out To me. I never signed up for limited use one of net spends workers did that...she said she was going to email with the information so I can fax over my social security card I never received the email so I called back and that's when I learned I had limited used net spend is a fraud and they are liars. Because one called if I didn't received this email I would've know anything

To Whom It May Concern: Thank you for forwarding Ms. [redacted] complaint to us. As you requested, we addressed this matter directly with Ms. [redacted] on March 28, 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 an overdraft fee on his account.   On December 1, 2016, Mr. [redacted] contacted our Customer Service Department to inquire about his payroll deposit because it had not posted to...

his account yet. The evening on December 01, we received and posted Mr. [redacted] deposit. Mr. [redacted]’ account was also charged an overdraft fee.   A member of our Corporate Response Team spoke to Mr. [redacted] on December 5, to discuss the overdraft fee.  Mr. [redacted] mentioned that his payroll team deposited his funds later than expected. Mr. [redacted] stated he was advised that we would reimburse him the overdraft fee that was charged however, it was not reimbursed when he contacted us after his deposit posted. We have reimbursed the overdraft fee back to Mr. [redacted]’ available balance as a courtesy.   We apologize that Mr. [redacted] was not reimbursed the overdraft fee as promised when he contacted 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

To Whom It May Concern:   We received complaint # [redacted] filed with your office by [redacted] concerning the activation of his card.   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.    On January 4, 2017, Mr. [redacted] attempted to activate his new NetSpend card but a temporary account block prevented use of the card.  We requested Mr. [redacted] to provide copies of his identification documents to verify his identity in order to approve the account.  He provided partial documentation so the account remains blocked until we receive complete documentation.       A member of our Corporate Response Team reached out to Mr. [redacted] on January 5, but we have not had the opportunity to speak with him.  Mr. [redacted] wife answered our correspondence by email, since she is not listed as a cardholder on the account, we were only able to provided limited information.  Our records indicate Mr. [redacted] spoke with Customer Service on January 6, and his account block was removed and the card was fully activated.    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

Complaint: [redacted]
I am rejecting this response because: I will not accept the response as NetSpend stated in writing that they will find who they received my information from. I have not heard anything back from them. If NetSpend is unable to reveal that information whether unwilling or unable, proves my point that they are a predatory business engaged in internet data mining. If NetSpend does not "know how" they received my name and address in an attempt to prey upon my credit worthiness, I will consider filing a cease and desist until they are able and willing to show just how they choose who to prey upon. The general public need to know how their information is
used and by whom.
Regards,
[redacted]

Wednesday, March 21, 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 have 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 March 21, 2018 by telephone. We emailed Ms. [redacted] the details outlining our actions to resolve her complaint. Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concern. Thank you, [redacted]Customer Experience Specialist Netspend, a TSYS Company

Complaint: [redacted]
I am rejecting this response because: What Netspend i.e. Paypal Prepaid Mastercard falls to note is that I have been a customer of theirs for a number of years and have never had an issue to where I had to dispute a transaction. Furthermore as I previously stated I have a collegue who also had the same card and about a year ago he had a false transaction show up, he disputed it and the same thing happened to him. So it seems that Netspend i.e. PayPal Prepaid Mastercard has recourses it takes automatically of you decide to dispute any charges. Which is close your account and do not let you have any say even once exonerated. Is that they way we do business these days? What about the previous 90 days from the ones I disputed.? Or better yet from the 1st of the year til they closed my account? There are more charges from the same companies that are not mine. Are they going to have a look at those charges and reimburse me for them? Thank YOU  [redacted]    
Regards,
[redacted]

To Whom It May Concern:We received complaint # [redacted]1 filed with your office by [redacted] Ms. [redacted] mentions her account being blocked due to previous accounts with a negative balance. She wants to know if she is obligated for past accounts where she was not the primary cardholder.On...

October 15, 2015, we reached out to Ms. [redacted] by telephone and email concerning her account block. We have yet to speak with her, but will assist with her concerns when she calls back. When an account is closed due to a negative balance, all cardholders listed on the account will be restricted from activating a card in the future. However, the block on her account was removed later the day she contacted us, October 9th. No funds were recovered from her current account to go to any previous account that Ms. [redacted] was associated with. At present, there are no outstanding balances that NetSpend is seeking to collect from Ms. [redacted]. NetSpend regrets the inconvenience that Ms. [redacted] experienced due to the account block. 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]. He states that he is not able to process Paypal transfers and that he would like his account fee credited back for the inconvenience he received.I spoke with [redacted] on May 6th to address his...

concerns. I issued a credit to his account.We sincerely apologize for any inconvenience this may have caused [redacted]. He has my contact information should he have any additional questions.  Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: [redacted]
I am rejecting this response because: I never received a response from Revdex.com  ( but I am glad that you are going to make my complaint publicly know so other consumers may benefit before placing their money in the hands of this company that by the way you can never know who you are doing business with because;  l normally do business  with ACE Elite, not with  NET Spend and whats the part of The Mega Bank in all of this..... ???A guy from Net Spend called me that he had  received my complaint and of course he tried to make this issue a common one but;  I was not satisfied with the position he took. Plus,I dont do business with Net Spend all my accounts are served by with ACE Elite.
Regards,
[redacted]