Realcor Developments Ltd.

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted]. Ms. [redacted] mentions NetSpend allowed money to be withdrawn from her card. She desires a refund and to cancel her service. On August 26, 2015, we reached out to Ms. [redacted] by telephone and email. The...

merchant IC Solutions has charged Ms. [redacted]’s card seven times since July 11th. She disputed the last charge from August 14th as being a duplicate transaction. IC Solutions refunded the disputed charge back to her card on August 21st. When Ms. [redacted] returns our call, we will clarify which service she intends to cancel. NetSpend regrets the inconvenience that Ms. [redacted] experienced with the duplicate charge. 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

Friday, August 11, 2017 To Whom It May Concern: Thank you for forwarding Ms. [redacted] complaint # [redacted] to us Transfer limits may be set on withdrawals, as stated in Ms. [redacted] PayPal User Agreement.  After review, we confirmed that she was able to successfully...

transfer funds to her PayPal Prepaid Account on August 12.We attempted to reach Ms. [redacted] by telephone on August 8, 10, and 11, 2017, but unfortunately, we were unable to speak with her.  We sent an email to Ms. [redacted] outlining actions taken on her account to resolve her complaint.  Her case has been assigned to a Corporate Customer Response Team Analyst, [redacted]. Should Ms. [redacted] contact our Customer Service Department, we have left notes on her account for her to be connected with [redacted] to further assist 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, November 14, 2016To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning her direct deposit. On November 7, 2016, Ms. [redacted] contacted us to discuss the status of her direct deposit.  Our Customer Service Department...

informed Ms. [redacted] that direct deposits are posted as soon as they are received.  In response to her communication, we attempted to contact Ms. [redacted] on November 14, but we were unable to speak with her to address her concerns. Ms. [redacted] deposit, with a settlement date of November 9, posted two days earlier on November 7.  Ms. [redacted] was able to access her funds that same day. 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, May 24, 2017To Whom It May Concern:Thank you for forwarding Ms. [redacted] additional comments to us. We attempted to contact Ms. [redacted] on May 24, 2017 by way of telephone.  Unfortunately, we were unable to speak with her concerning the activation and verification process.  We provided information about Ms. [redacted] refund check through email. 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

Wednesday, May 31, 2017 To Whom It May Concern: Thank you for forwarding Ms. [redacted] complaint # [redacted] to us. As you requested, we addressed this matter directly with Ms. ** on May 26, 2017 by way of telephone. We sent her an email detailing the actions taken on her account on May 31,...

2017. 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:The transactions was fraudulent and was not authorize by me and I never made any of these transactions and my money was suppose to be insured and a customer service agent told me my money would be replaced and if I cant use any of their products thats fine I just want my funds refunded and I dont want to just take a total loss and I would be happy with that and I would still refer people to the service and I would be greatful if they just refund me my funds and that would be the correct way to handle this matter
Regards,
[redacted]

Friday, November 6th, 2015To Whom It May Concern:  We have received complaint # [redacted] filed with your
office by Brenda [redacted] concerning the problems she experienced with receiving
her replacement card.  She requests a new
card immediately in order to access her funds.On October...

7th, a replacement card was
requested for Ms. [redacted].  Typically,
cards can take 7-10 business days to be received in the mail.  After review, Ms. [redacted] activated her card
on November 3rd.Due to the delay in receiving her card, the
replacement fee has been refunded back to her account. NetSpend regrets the inconvenience that Ms. [redacted]
experienced with receiving her replacement 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]. Ms. [redacted] states that she disputed fraudulent transactions on her account and she can’t get the right department to get the credit put back. She would like the credit put back on her account. On...

June 4, 2015, Ms. [redacted] disputed eleven transactions on her account as fraudulent. We informed her that the disputes claim would be updated within ten business days, June 18th. On the tenth business day, we requested information from Ms. [redacted] about the disputed items. We had not received a letter of disputes explaining why the transactions were being disputed as fraudulent. No provisional credit was issued without the letter from her. We closed the disputes claim on July 9th issuing a full credit for the disputed items. NetSpend understands the disputes process is lengthy. We appreciate Ms. [redacted]’ patience as we attempt to retrieve her funds. We have provided Ms. [redacted] our contact information should she have any additional questions or concerns. Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: [redacted]
I am rejecting this response because:This person is not answering my calls nor are they responding to any of my voicemails and I'm fed up with this business. I'm still having issues with my account and their dispute time frame is ridiculous!!! I need somebody to reach out to me OR find a faster way to give me my funds back so that I can move on to a better bank!!!
Regards,
[redacted]

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]
I am rejecting this response because: They are looking for way to keep my money and they have locked me out of my online account. After my conversation with them and I informed them that I was going to exercise my rights to make complaints about them, I was told that my account would be closed in retaliation, and that are the red flags they are speaking of because I will not just be quiet and go away. Originally I was told that the pin was entered incorrectly twice, then I was told that whom ever used my card knew how much money was on my card, but I received non-sufficient funds fees on my account stemming from my card being stolen.    
Regards,
[redacted]

Thursday, July 13, 2017 To Whom It May Concern: Thank you for forwarding Mr. [redacted]’ complaint # [redacted] to us. 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. As you requested, we addressed this matter directly with Mr. [redacted] on July 11, 2017 by way of telephone. We emailed Mr. [redacted] the details of the actions to resolve their complaint that same day. 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: Thank you for forwarding Mr. [redacted] complaint to us. As you requested, we addressed this matter directly with Mr. [redacted] on June 13, 2017 by way of telephone. 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 difficulty she experienced while attempting to get a refund for a NetSpend card she purchased. She’s requesting a refund and her information removed from our system.  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, 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.  In addition we inform the customer on the front of the package that this is not a Gift Card.  On February 5, 2016, we spoke with Ms. [redacted] and addressed her concerns.  We apologized for the incorrect name being entered on her account. Her call to customer service has been reviewed and appropriate action taken to insure no reoccurrences.  We advised that she will receive a refund check within ten business days to her address.  NetSpend regrets the inconvenience that Ms. [redacted] has 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 refund check that has not been received. On March 1, 2016 our Risk Management Team closed Ms. [redacted] account because they identified risk factors associated with her...

activity/information.  A refund check for the remaining balance on Ms. [redacted] account was mailed to the US Treasury on March 14, as they were the originator of the funds.On May 23, we provided Ms. [redacted] with a copy of the cashed check, confirming the US Treasury received it. 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

Complaint: [redacted]I am rejecting this response because: I stand firm with this claim and This dispute needs to be reinvestigated Or At least account reinstated As I have eBay and only way to get funds faster is through paypal prepaid, This account shouldn't be compromised because of Your guy's  reasoning . Now back to claim I have received The documents and read over thoroughly and These reasons are falsely put , I did not authorized nor benefited from these transactions Y'all can believe whatever y'all feel the need to . Firstly  So what if the account/card shows consistently shop at a merchant that was used to make these fraud charges say I lost my card in   a store You know how many people would use that card Right away at the same store Or How many times you shop at place so much that someone can still make off with all your info & identity and now you become a victim of identity theft that quick , Just Something to think about. So to say "The PIN transactions being disputed are consistent with your previous account activity, such as the merchants shopped and their physical locations." Is ludicrous,  I would not be opening a dispute if these transactions were occurred by me I have no reason to I did not do this and I need to be properly adjusted.Then it states "Our records show that the PIN was not changed prior to the period of unauthorized usage" Why would the pin be changed prior to an unauthorized transaction?!?! I changed my PIN twice afterwards and my password many times. Another dumb/illogical  reason given  “Our records show that the account balance was checked during the period of unauthorized usage using a method consistent with methods previously used to access the account, and that additional transactions occurred with the same card as the disputed transactions between the time the account balance was checked and the time the transactions were disputed”. How could you tell balance was being checked. There is no specific balance checker on there, there's more than just that after signing in  Come on like Really And then you need to  think why might the balance be checked during or before an unauthorized transaction ??? Obviously to see full amount and take out all amount and then some .No where in documents does it accurately states nor provides proof a balance check was done ,How do you know 100% the balance was being checked ,You can not .To end this off in hopes of getting a fair and real reasonable resolution  I would love for Dispute ,Which Deserves, to be reopen as I feel the information provided is false And the way they put little to no effort into the investigation (the proof is in the reasonings Doesn't state factual info) No effort to contact me ,No effort for anything just went off Account Activity and closed account  and dispute with absolutely no real reason Everything was based off Account Activity Oh you used card and made several Transaction at specific merchant once before OK there was no error made like WOW That's exactly how it sounds I have no other no choice but to based off of documents I received . The nonchalant from you is not needed as well This is an urgent matter and it needs to treated properly can't determine no error occurred if you just look at recent account activity and based decision off of that. Like I say I left out of state with family for both Thanksgiving week and Christmas Week  but prior to that I had called many times telling agents of strange activity which  I have over 20 text messages stating of certain transactions on my account activity that was made not  by me and occurred fees because of this but what is calling going to do I get the same no care what so ever attitude tone , No Help ,No Effort to prevent this none whatsoever, Like I am calling and talking to a brick wall Have no idea why I am being treated this way and For this to happen and you guys put no effort at all into this is really sad it really is The response will be accepted once this claim and myself is treated fairly  and to be case is resolved with a refund for these fraud charges and account reinstated.  I've done nothing to you guys So why am I getting all this backlash? I don't understand I really don't  it's absurd.In conclusionBest resoluton Reopen Dispute , Reopen/Reinstae Account & Reimburse for All Unauthorized TransactionRegards,[redacted]

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning the inconvenience that she’s experienced after filing a disputes claim for unauthorized transactions that were made on her account. She’s requesting to be refunded for the unauthorized...

transactions. On November 24, 2015, [redacted] disputed twenty-four unauthorized transactions that occurred on her NetSpend card during the timeframe between October 16th and October 24th.  We informed her that an update would be provided within ten business days, December 9th. On the tenth business day, our Disputes Department closed the claim with no error found on the disputed transactions, and no funds were reimbursed to the account.  The next day we mailed a disputes closure letter to [redacted] address that outlined the conclusion of her disputes claim.  In an effort to protect NetSpend cardholders, our Risk Management Department regularly monitors their accounts to prevent compromising activity, or unacceptable account usage. Our Risk Management Team identified risk factors that led to the blocking of [redacted] account on December 4th.  She is no longer eligible for NetSpend services. The factors that lead to the account closure are kept internal for security reasons. A check for the remaining funds on the account has been mailed to her address, and [redacted] will receive it within ten business days from the account closure date.  We reached out to [redacted] on January 8, 2016, but unfortunately we have not had the opportunity to speak with her. We will address her concerns when she returns our call. NetSpend regrets the inconvenience that [redacted] experienced as a result of the disputes claim decision, and the closing of her account. We have provided her our contact information should she 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 have proof that my order was made on the 5th of April it was shipped from [redacted] and delivered the 7th of April my purchases was originally made the 5th of April the charges that were made on the 8th was the authorization hold from [redacted]'s company I spoke with them several times and was told that it was up to my bank when the authorization hold would be released back to my account I received to credits to my account in a total of $315.00 for the lost merchandise, I've never received my monies back from the 2nd charge! I can be reached at [redacted] or by email at [redacted] thanks in advance, *.[redacted]
Regards,
[redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning his dispute claim. On December 23, 2013, Mr. [redacted] contacted us to dispute unauthorized transactions that posted to his account.  We immediately blocked his card to prevent any...

additional unauthorized use and ordered a replacement.  We opened a dispute claim and began our investigation. On February 6, 2014, we concluded our investigation with no credit being issued to Mr. [redacted] account because we did not find an error occurred.  Our Risk Management Team also closed Mr. [redacted]’s account due to risk factors that were identified while investigating his claim. He is no longer eligible for products managed by NetSpend.  Upon receipt of his complaint, we spoke with Mr. [redacted] on June 10, 2016 to discuss his claim. We have re-reviewed his dispute claim and we confirmed that it was investigated properly.  Based on our reinvestigation, we have reason to believe that the transactions were authorized and that Mr. [redacted] benefited from the transactions.  A letter explaining our investigation will be mailed to Mr. [redacted] and should be received within 10 business days.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 # 11150925 filed with your office by [redacted] concerning a card offer that was sent to her daughter who is a minor. She’s requesting for NetSpend to remove her daughter from our mailing list, and explain how her information was obtained.  ...

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. The primary cardholder must be at least 18 years of age.  On February 23, 2016, we reached out to Ms. [redacted] by telephone and email, but unfortunately, we did not have the opportunity to speak with her.  She corresponded by email on February 28th and we were able to locate the card offer sent to her daughter.  We cancelled the card offer and removed her daughter’s information from our systems to prevent future card offers from being sent to her. Additionally, we have submitted a request to our Marketing Department in order to obtain detailed information on how her daughter’s name and address were obtained.  We will convey that information to her once it is received.  We regret any inconvenience that Ms. [redacted] and her daughter experienced as a result of this card offer. She has been given my contact information should she have any additional questions or concerns.  Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company