Realcor Developments Ltd.

To Whom It May Concern: We received complaint # [redacted] with your office by [redacted] concerning the inconvenience she is experiencing with a dispute of unauthorized transactions.    Ms. [redacted]’ disputes claim was initiated on March 7, 2016.  On March 21st, our Disputes...

Department notated her account and advised that her claim was still under review, but no provisional credit was issued as a result of not receiving a letter of dispute from Ms. [redacted] within the first ten business days. A letter was sent to her requesting for a dispute statement explaining why she felt the transactions were in error.  On March 25th, we spoke with Ms. [redacted] and addressed her concerns.  She forwarded the emails to us that she originally sent for her claim on the day it was initiated.  Our Disputes Department issued a temporary credit to Ms. [redacted]’ account on March 28th and the claim should be completed by April 21st.  If the claim is successful, Ms. [redacted] will receive an additional credit for the ATM fees once it finalizes.  NetSpend understands that the disputes process is lengthy, and we appreciate her patience as we attempt to retrieve her money.  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: Thank you for forwarding Ms. [redacted]’s complaint to us. As you requested, we addressed this matter directly with Ms. [redacted] on September 27, 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 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 funds from her account.    On May 18, 2016, Ms. [redacted] loaded funds onto her NetSpend card.  On June 21, 2016, the US Department of Treasury sent us a death...

notification for the Social Security benefits sent to the account under the name [redacted].  Mr. [redacted] was listed as a secondary on Ms. [redacted]’s account. We are required to freeze the funds and close the account until we receive either a Notice of Reclamation from the Federal Government, or 120 days passes since we received the death notice from the US Treasury. The account cannot be reopened.   In response to her communication, a member of our Corporate Customer Response Team spoke with Ms. [redacted] on October 28.  We explained that the remaining balance was returned back to the US Department of Treasury on June 21, per the reclamation notice we received.  We provided her with a check number for her records and informed her we no longer had the funds in our possession.   Ms. [redacted] has been provided 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 Mr. [redacted] complaint to us. As you requested, we addressed this matter directly with Mr. [redacted] on July 7, 2017 by way of e-mail. 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, [redacted] Customer Experience Analyst Netspend, a TSYS Company

To Whom It May Concern:We received additional comments regarding complaint # [redacted] filed with your office by [redacted] concerning the activation of his Mother’s card and the requested documentation. We spoke with Mr. [redacted] on August 5 to address his concerns and explain that we were unable to approve Ms. [redacted] card for full activation until we received additional documents that met our requirements in order to approve the account. We received the verified documents and fully approved Ms. [redacted] account on August 5.  She had access to her funds the same day.     We apologize for any misunderstanding of any direct mail marketing card offers Ms. [redacted] may have otherwise received previously.  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.  We approved Ms. [redacted] account on August 5, 2016. We have provided Ms. [redacted] and Mr. [redacted] with our contact information should they 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] concerning her dispute claim.    On January 27, 2017, an individual identifying themselves as Ms. [redacted]-[redacted] initiated an account-to-account transfer of her funds to another...

Netspend cardholder’s account. Ms. [redacted]-[redacted] contacted our Customer Service Department to report that her Card Account had been compromised and she did not authorize the transfer of funds.  We disabled the funds transfer feature on her Card Account to prevent further unauthorized transfers.  We promptly opened dispute claim number [redacted] and began our investigation.  We also informed Ms. [redacted]-[redacted] of the timeframe afforded under Regulation E.    We completed our investigation of Ms. [redacted]-[redacted] dispute claim on February 3, and provided full reimbursement for the disputed transfer.  The results of the investigation will be mailed to Ms. [redacted]-[redacted] in writing within 3 business days of completing our investigation.      A member from our Corporate Office reached out to Ms. [redacted]-[redacted] on February 3, but we have not had the opportunity to speak with her.  We sent Ms. [redacted]-[redacted] an email, informing her of the results of her dispute claim.  We also refunded the funds transfer fee to her card account.    We understand how frustrating it can be to experience unauthorized activity on your account. NetSpend is very committed to providing a safe and secure product.   We provided Ms. [redacted]-[redacted] with our contact information should she have any additional questions or concerns.    Thank you,   [redacted] Customer Experience Specialist Netspend, a TSYS Company

Tuesday, November 29, 2016 To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] regarding the activation of his temporary 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 our card packaging.The most common fees for using the card and for maintaining the account, including account maintenance fees, are fully disclosed in the cardholder agreement and are visible to consumers prior to activation. On December 17, 2015, a temporary card was purchased from a retail store and given to Mr. [redacted] as a gift.  Mr. [redacted] called us to activate his card on November 27, 2016.  Our Customer Service Department informed Mr. [redacted] that his temporary card had expired and explained the account maintenance fees that were incurred.  In response to his communication, a member of our Corporate Response Team contacted Mr. [redacted] on November 29, and refunded the account maintenance fees previously charged to his card account.  He will receive a refund check, for the original card account balance, within 10 business days to his address on file.We have also removed Mr. [redacted] name and address from our mailing list and he should not receive any future offers from any NetSpend managed programs.  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]. Ms. [redacted] has stated that her Revdex.com complaint ID [redacted] is not resolved because Social Security does not show a copy of the funds being returned to them. She wants the funds returned to her. As we...

stated in the previous response to complaint [redacted], Ms. [redacted]’ account was closed for identity theft. The funds were confirmed as being received by US Treasury / Social Security. NetSpend no longer has the funds so it is not possible for us to return the funds to her. Ms. [redacted] must contact the Social Security office for any refund due to her. They will confirm her identity and provide benefits to the designated individual. NetSpend regrets any inconvenience Ms. [redacted] experienced as a result of the funds being returned to the sender. She will need to contact Social Security office for further information. Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: [redacted]
I am rejecting this response because:I disagree with this person's correspondence as they have lied many times to this point. They now say that Visa is involved in dispute process and that Visa basically holds court between apparently NetSpend (claiming to represent the cardholder's interests) and the merchant who accepted the card with the winner receiving the spoils. Well this is ridiculous. Nowhere within the terms and conditions does NetSpend describe this as being the process and nowhere within terms and conditions or federal statute does it allow for 3rd party to play role as judge and jury upon disputes submitted by customers with NetSpend ever suggesting that they will attempt to WIN our disputes for us. It is very simple, customer submits disputes and the parameters allows for various results. The most I could be liable for would be $500 total of claim not the entire amount. Additionally, NetSpend never forwarded any documents used to make determination as he suggest. Also, the fact that they admit Visa makes decision, NetSpend cannot aver that they sent documents used by them to render decision. Again more LIES. Also, I am tired of them stating that written claim was not submitted by me within 10 days. They are lying and incompetent as any person must only review the records to see this is a LIE. I submitted formal written claims within 10 business days of both claims being made and said written claim contained both claim numbers and every single transaction disputed. It is NetSpend that has made determination and they purposely (as obvious by results) denied the substantial 2nd claim quickly as a means of attempting to justify not issuing provisional credits as promised (I have recordings of all conversations and email confirming receipt of compliance claims I formally sent). Even if Visa was the party calling the shots that still fails to release NetSpend of liability as they are breaching agreement and laws in reaching the results they have and it will not just go away, nor will I. They will make a MOUNTAIN out of a molehill, but that will be upon them. I have recording whereby representatives attempt to deny what this person just openly stated about Visa (3rd party) being involved and relied upon for an agreement NetSpend desires to make them a party to. If NetSpend wants to place other entities in harms' way meaning include them in litigation as defendants then by all means it will suit me just fine as I will have more to go after. Either way NetSpend is not thinking clearly and these little games they are playing and things they are planning will not work and I know exactly what they think they have but truly do not. They are culpable no matter how they paint this picture. That is clear and not matter of interpretation. To gain employment at NetSpend does not require a high school diploma that is very clear.   
Regards,
[redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted]. Mr. [redacted] mentions his inconvenience with our product concerning fees and for the time it takes for funds to post to his account. He‘s requesting to be reimbursed for the fees, in addition to funds...

that are missing from his account. Our cardholder’s are notified of fee details, in addition to available features and services through our card packaging, the terms and conditions that are included inside the card packaging, in addition to our website, www.wunetspendprepaid.com. We’ve reviewed Mr. [redacted]’s account and have confirmed that the recent transfer deposit from Western Union was received on September 16, 2015 and was posted to his account within an hour of receipt. On September 28th, we reached out to Mr. [redacted] by telephone and email to address his concern about his missing funds. We have not had the opportunity to speak with him, but will await his phone call. We regret the inconvenience that Mr. [redacted] experienced with his Western Union Prepaid Mastercard. We have given him 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 Office reached out to Ms. [redacted] on March 15, 2017 to discuss the card offer she received.  We permanently blocked the card offer and have also removed Ms. [redacted] name and address from our mailing list and she 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 provided Ms. [redacted] with this information once we receive it.   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

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning a block on her card that prevented her from performing transactions.  She’s requesting a refund for the purchase price of the new card and to complete the transfer of her funds. On...

December 31, 2015, our New Accounts Department blocked Ms. [redacted] temporary card and canceled the personalized card from being sent in the mail.  Verification of her last name was requested to confirm her identity.  Customer Service transferred her funds to the new card on January 5, 2016.  Her card purchase fee and transaction fees were later refunded on January 8th.  Verification of Ms. [redacted] last name is still needed.  On January 8, 2016, we reached out to Ms. Meyer 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 Ms. Meyer experienced while attempting to fully activate her cards. 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

Wednesday, May 4, 2016 To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning his dispute claim. During routine monitoring, we placed a temporary block on Mr. [redacted]’s account, on April 28, 2016, because we detected suspicious...

activity on his account.  We blocked Mr. [redacted]’s card and requested a new one to be expedited to his address on file.  On May 3, someone claiming to be Mr. [redacted] contacted us to transfer funds to another account.  All security information was verified and our Customer Service Department completed the transfer.  Mr. [redacted] contacted us later that day to report that the transfer of funds was not authorized.  We immediately opened a dispute claim and began our investigation. On May 4, our Disputes Team concluded our investigation and credited Mr. [redacted]’s account for the disputed transfer.  A block was also placed on Mr. [redacted]’s account to prevent cardholder transfers in the future. We understand how frustrating it can be to experience unauthorized transactions on your account. NetSpend is very committed to providing a safe and secure product. We have provided Mr. [redacted]’s 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 am truly DISGUSTED by Netspend!!! They are trying to make it seem as though I am a liar and that I authorized these transactions and have benefited from them when in fact I DID NOT! I specifically informed [redacted] that I only used that card for the purpose of having my deposits go there to save my money to purchase a vehicle, and that is why I didn't notice the card was being used because I didn't check it being that I wasn't using it for personal spending. Also, I asked how did Netspend come up with the conclusion that they "believed" I authorized the fraudulent charges, but still to this day I have not received a valid answer! The bottom line is this, I have been victimized and stolen from! I trusted Netspend with my money and was victimized once more as if I'm some sort of criminal! This is in fact Netspend's regular outcome based on all of the other reviews I've read regarding disputes! I will continue my claim in court against Netspend as I've already started the process and I hope and pray justice will in fact solve my issue! I will then contact several others who've experienced this same exact problem with Netspend being that it is common and make sure that this will end!!
Regards,
[redacted]

To Whom it Concerns: We received complaint # [redacted] filed with your office by [redacted] concerning the mobile check load feature. On January 20, 2017, Mr. [redacted] purchased a Visa Netspend Card Account from a retailer, Dollar Express.  That same Mr. [redacted] contacted our Customer...

Service Department to activate his card account.  Mr. [redacted] was also informed of a Mobile Check Load feature that is offered on most of Netspend managed products.  On March 11, we offered Mr. [redacted] the option to open a new card account online so he could take advantage of the mobile check load feature. Not all of Netspend Card Accounts have the same promotions and features.  Eligibility for promotions is dependent on the card that was purchased and not creditability as a customer. A member from our Corporate Office reached out to Mr. [redacted] on March 13, 2017 to inform him that unfortunately, his card account does not have the mobile check load feature available.  We will notify Mr. [redacted] through his online account center or through our interactive voice response when it is available. 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 direct contact information should he 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 her son’s 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. The requirement to obtain this...

information is displayed on the inside flap of the card package and is visible to consumers prior to purchase. The card package also states that use of the card is limited prior to identity verification.On February 27,  2016, Ms. [redacted]’s son was given a Netspend card that was mistaken as a gift card. Due to Ms. [redacted]’s son being a minor, she contacted our Customer Service Department to see what options were available to help her son retrieve his funds. Ms. [redacted] opted to have the card set to our “Limited Use’ option. The ‘Limited Use’ option allows the card to be used for in-store purchases only, online or over-the-phone transactions are not permitted.  Once the card balance is dispensed, the card can be destroyed because it cannot be reloaded.  We spoke to Ms. [redacted] on June 22 to discuss her son’s card.  We explained why the account was assessed an account maintenance fee and refunded it back as a courtesy.  On June 24, Ms. [redacted] requested the account to be closed and to receive a refund check for the account balance.  Ms. [redacted] should receive this check within 10 business days to her address on file.  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

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 still do not like your predatory business practice of sending out bank cards to random people, it is unethical and could easily lead to fraud.
Regards,
[redacted]

To Whom
It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a block that took
place on a new card in her husband’s name that was caused by a previous
negative balance.  She’s requesting to be
reimbursed for the funds that were loaded onto the...

card.  On October 16, 2015, Mrs. [redacted]
attempted to activate a prepaid debit card in her husband’s name, but our
system recognized that his information was associated with a previous account
that had a negative balance. Our system automatically blocked the new account
as a result.  Per Mrs. [redacted]’s request,
our customer service submitted a request for a refund check to be sent to the
mailing address on file. We spoke with Mrs. [redacted] on October 27th and informed her that her check was mailed on October 22nd.  NetSpend
regrets the inconvenience that Mrs. [redacted] experienced while attempting to
activate her husband’s 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] concerning her dispute claim.    On September 23, 2016, Ms. [redacted] contacted our Customer Service department to open a dispute claim for a transaction that posted to her account. ...

We promptly opened a dispute claim and began our investigation. We also informed Ms. [redacted] of the investigation timeframes afforded under Regulation E.     We apologize for any misinformation Ms. [redacted] received from our Customer Service Department concerning the investigation timeframe afforded under Regulation E.  Her claim is scheduled to receive an update within ten business days, October 7.    In response to her communication, a member of our Corporate Customer Response Team reached out to Ms. [redacted] on September 27, unfortunately we have not had the opportunity to speak with her.  We sent her an email to inform her that the merchant refunded her account for the disputed charge earlier that same day.    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 a block on her account. During routine monitoring, we placed a temporary block on Ms. [redacted] account on July 26, 2016, because we detected suspicious activity.  In order to...

remove the block, we requested Ms. [redacted] to provide us with copies of her documents to verify her identification.   A member of our Corporate Response Team spoke with Ms. [redacted] on August 2 to discuss her account. Ms. [redacted] did not feel comfortable sending copies of her identity documents and requested to have a refund check mailed to her for both of the accounts she opened. Ms. [redacted] should receive these checks to her address on file within 10 business days.  Our Risk Management Team also closed Ms. [redacted] account because the identified risk factors associated with activity/information.  These risk factors are not shared with consumers for security reasons and Ms. [redacted] is no longer eligible for products managed by NetSpend.We 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