Realcor Developments Ltd.

Complaint: [redacted] I am rejecting this response because:On 1/my husbands boss called and had the PREPAID CREDIT card activated in under mins, he provide Net spend with personal identification informationHe did not have to give them my husbands social security numberMy husband or myself DID NOT open a card account with Net spendAll we tried to do was activate a PREPAID CREDIT card, I don't believe there claim regarding the patriot actIf it were true providing them with our home address and my husbands social security number via phone would have been enoughThis company owes us an acceptable explanation as to why they need copies of my husbands personal identification cards, I also want any and all fees refunded to my husband PREPAID CREDIT cardI want proof of the refund of these fees sent to us via email, and no further fees should be charged to the PREPAID CREDIT cardWhen the $that was loaded is gone, I want a letter on company letter head stating my husbands personal info has been removed from their systemPlease understand that if my husband suffers any identity theft, we will hold Net spend responsibleWe will take all legal action that is necessary to do so I fully feel this company is stealing persons information and we will not be victims of this Regards, [redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a credit reversal with [redacted] Insurance On May 9, 2016, Mr [redacted] contacted Netspend because he made an authorized ACH payment to [redacted] Insurance [redacted] also credited his account but mistake in the form of an ACH depositMr [redacted] requested that we reject the ACH deposit and send it back to [redacted] InsuranceWe attempted to send the ACH deposit back to [redacted] on May 9, but the ACH deposit was not accepted due to an incorrect trace number We sent the ACH deposit back to [redacted] with the correct trace number and provided this information to MrLopez 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: Thank you for forwarding Ms [redacted] complaint to usAs you requested, we addressed this matter directly with Ms [redacted] on September 14, by way of telephone, e-mail, or letterIf 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 concernThank you, [redacted] Customer Experience Analyst Netspend, a TSYS Company

Wednesday, July 12, To Whom It May Concern: Thank you for forwarding Ms [redacted] complaint # [redacted] to us We attempted to reach Ms [redacted] by phone on July 11, and 12, 2017, but unfortunately, were unable to speak with herWe emailed Ms [redacted] details outlining the reasons she is no longer eligible for Netspend services on July If not already done, we strongly encourage Ms [redacted] to file an identity theft report online with the Federal Trade Commission (FTC) at https://www.identitytheft.gov/The FTC can provide suggestions on how to protect her personal identification information going forward and how to alert other agencies, such as credit bureaus, that your identity information was compromised 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 Ms [redacted] complaint to usAs you requested, we addressed this matter directly with Ms [redacted] on May 12, by way of telephone, e-mail, or letterIf a letter has been sent, it should be received within the next five business daysThank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concernThank you, [redacted] Customer Experience Analyst Netspend, a TSYS Company

Revdex.com: My complaint has been resolvedI received a full refund Regards, [redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] ***Ms [redacted] states that she disputed an unauthorized charge on her card, but no credit was issued for the claimShe wants her money credited to her cardOn April 30, 2015, Ms [redacted] disputed a charge as unauthorized through the NetSpend websiteThe disputed charge occurred on January 30thWe informed Ms [redacted] that an update on her claim would be given in ten business days, May 14thOn the tenth business day we closed the disputes claim with no error found in our investigation of the chargeWe sent her a letter explaining the reason of her dispute closureNetSpend regrets the inconvenience that Ms [redacted] experienced with the disputes decision not being in her favorWe have provided him our contact information should he have any additional questions or concernsThank 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 block on her account that was caused by a merchant refundOur Fraud Prevention Team regularly monitors account activity in order to provide a safe and secure product for all of our cardholdersOn March 18, 2016, a systemic block was placed on Ms [redacted] account after she received a refund from a merchantIn the event that a refund takes place on a NetSpend account with no corresponding debit, it’s our policy to request a copy of the original purchase receipt in order to authenticate the refundThis policy is in accordance with our responsibilities under the MasterCard processing rulesMs [redacted] mentioned that there was no original purchase made, but that the refund was for a withdrawal attempt that declined and that merchant returned the money back into her account in the form of a refundOur Risk Management Team contacted the merchant to explain that we will need to receive a Letter of Indemnity from them to return the funds via check by mailOn March 29th, our Risk Management Team removed the block on Ms [redacted] account to allow her access to her remaining available funds, which I notified Ms [redacted] of.NetSpend regrets the inconvenience that MsBeauford’s experienced as a result of the block on her accountShe has my contact information should she have any further questions or concernsThank you, [redacted] ***Corporate Customer Response TeamNetSpend A TSYS Company

Friday, April 15, To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] - [redacted] concerning her disputes claim On March 29, 2016, Ms [redacted] - [redacted] contacted us and opened a disputes claim for an overcharge on her account We immediately began our investigation and requested a dispute statement to explain how she felt an error occurred We also informed Ms [redacted] - [redacted] of the investigation timeframes afforded to financial institutions under Regulation E On April 13th, we issued a provisional credit to her account while her claim is being investigatedWe have provided Ms [redacted] - [redacted] with our contact information should she have any additional questions or concerns Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

Thursday, September 15, To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning funds he is expecting to reimbursement for On May 03, Mr [redacted] received his income tax direct deposit to his accountOur records indicate Mr [redacted] contacted our Customer Service Department on May 06, to review his transaction history and order a new card Merchant, MYTEESSYLES.COM refunded Mr [redacted] ’s account on May 12, for a transaction he processed with them on May A member of our Corporate Response Team has attempted to reach out to Mr [redacted] on September 12, unfortunately, we have been unable to speak with himRequesting to clarify with him, if the charges are transactions that posted to his account or charged from a third partyWe request Mr [redacted] to contacts us, we will be glad to review his account with him to determine what further action need to be taken 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 her direct deposit On December 16, 2016, Ms [redacted] contacted our Customer Service Department to inquire about her December US Treasury Benefits deposit We informed Ms [redacted] that her funds had been received and provided her with information regarding the last direct deposit onto her Card Account On January 16, 2017, we received a trace request from the US Treasury regarding Ms [redacted] direct deposit A member from our Corporate Office spoke with Ms [redacted] on March and explained the direct deposit with the settlement date of December 1, posted to her card account on November We will be mailing a copy of her account history statements to her address on fileShe should receive the statements within business days We have provided Ms [redacted] with our contact information should she have any additional questions or concerns Thank you, [redacted] Customer Experience Analyst NetSpend, a TSYS Company

Complaint: [redacted] I am rejecting this response because the company continuously averts the real questionThe question has always been about the time on the day my direct deposits are to be postedPer my payroll department deposits are posted by noon and on rare occasions no later than p.mMy payroll department said they do not have any control over when my financial institution posts to my accountWith Netspend being the financial institution I am not receiving my monies when they are availableSeveral times my monies have been posted as late as 9:p.mI have e-mailed and contacted Customer Service several times only to get the response that my direct deposit has been posted on the day it should have been rather than answering why funds are posted so lateThey would also tell me they could not tell when my company sent a checkThis all electronicAfter I filed my complaint the gentleman who responded left me a voice message that my payroll posted at 9:and that they posted to my account at 9:This is inaccurate especially when I first opened my account with Netspend my deposits were made by 12:p.mand then they started to being posted later and later as time went onAfter questioning about the time approximately an hour later my deposit would be thereI want a resolutionThat resolution being that my monies are in my account when they are availableI expect to see my direct deposit for tomorrow (March 22) around noonThank you Regards, [redacted]

Complaint: [redacted] I am rejecting this response because:THE IRS IDENTITY FRAUD DEPARTMENT HAS NO FUNDS RETURNED TO [redacted] ACCOUNTTHE FUNDS WHERE SUPPOSE TO BE SENT ELECTRONICALLY ON JULY 6TH THE FUNDS HAVE HAD WEEKS TO SHOW UP IN IRS [redacted] ACCOUNTTHE IRS IDENTITY FRAUD DEPARTMENT DOES NOT KNOW WHAT LEAD NO [redacted] ISPLEASE HAVE NETSPEND PROVIDE TRACKING NUMBER TO TRACE THE FUNDS SENT FROM NETSPEND RIGHT NOW NETSPEND OR IRS DOES NOT SHOW TO HAVE [redacted] FUNDS Regards, [redacted]

Thursday, January21st,To Whom It May Concern, We received complaint # [redacted] filed with your office by [redacted] concerning her card activationShe’s requesting access to the balance on her account without providing ID documentation Our Fraud Prevention Team regularly monitors account activity in order to provide a safe and secure product for all of our cardholdersOn December 23, 2015, a systemic block was placed on [redacted] account after her personal information was collectedI spoke to [redacted] on January 21st to advise that her card is now activated and she has full access to the funds NetSpend regrets the inconvenience that [redacted] experienced as a result of the block on her account She has been provided my contact information should she have any further questions or concernsThank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company Tell us why here

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] Ms [redacted] states that her card could not be activated because her identity documents do not have her current address She’s requesting her card to be activated 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 accountWhen 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 NetSpend is compliant with the laws concerning the prepaid debit cardWe notify the consumer of this information on the outside of our card packaging Ms [redacted] purchased her NetSpend card on October 15thAdditional identity information was needed to approve her account, which prompted our customer service to request identity documents from her in efforts to approve and activate her accountThe documents that Ms [redacted] sent were not approved to activate her account She elected to have her card converted to Limited Use on October 17thLimited Use is a card status where Ms [redacted] can make in store PIN and signature purchasesThe card cannot be reloaded and once the funds are used, the card can be discardedOn October 22, 2015, we reached out to Ms [redacted] by telephone and email We have yet to speak with her, but we will assist her when she returns our call NetSpend regrets the inconvenience that Ms [redacted] experienced while activating 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

Monday, September 12, To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning an unauthorized transfer of fundsOn August 26, 2016, Ms [redacted] contacted us to report an unauthorized transfer of funds from her account to another NetSpend cardholder’s accountWe immediately opened a dispute claim and began our investigationThe transfer feature was also disabled to prevent additional unauthorized transfersA member of our Corporate Customer Response Team spoke with Ms [redacted] on September We informed her that an update would be provided for her dispute claim on September On September 12, we concluded our investigation of Ms [redacted] ’ dispute claim and provided a full reimbursement for the unauthorized transferA letter outlining the results of our investigation will be sent to Ms [redacted] within business daysWe understand how frustrating it can be to experience unauthorized transactionsNetSpend is very committed to providing a safe and secure productWe have provided Ms [redacted] with our contact information should she have any additional questions or concernsThank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern: We received complaint # filed with your office by [redacted] concerning a card offer that was sent to her daughter who is a minorShe’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 cardWe mail those consumers card offersThe card offer is not active and the card cannot be used unless activatedOur activation verifies the identity of each potential cardholder as a part of our Customer Information ProgramThis ensures that the card can only be used by the intended recipientDuring the offer activation, we collect social security number and date of birth to verify identity onlyThere is no credit check involved because our Prepaid Debit Card is not a credit cardThe primary cardholder must be at least 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 herAdditionally, 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 offerShe 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

Monday, July 18, To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a refund check that has not been receivedOn May 7, 2016, Ms [redacted] contacted us to close her account A refund check for Ms [redacted] ’s remaining account balance was mailed to her address on May Ms [redacted] contacted us on June because she had not received her refund checkA stop payment was placed on the check and we mailed her a replacement refund check on June Ms [redacted] received the original check after the stop payment was requested and deposited it into her other bank account Because the stop payment was requested on the first refund check, the funds were removed from Ms [redacted] ’s other bank account A member of our Corporate Response Team spoke with Ms [redacted] on July as she still had not received her reissued checkMs [redacted] advised she would allow a few more days to see if the refund check arrivedWe spoke with Ms [redacted] again on July and she confirmed that she did not receive the checkWe requested a stop payment on Ms [redacted] ’s replacement check and reopened her account A replacement card was requested and we applied the amount of her refund check to the available account balanceMs [redacted] will contact us once she has activated the card to withdraw her funds.We regret any inconvenience Ms [redacted] experienced while waiting to receive her checkWe 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 been in contact with the businessI hope that this matter has opened the eyes of this business and how the customer service is handedreviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning her dispute claim On March 13, 2017, Ms [redacted] contacted us to report several unauthorized transactions that posted on her Card Account We immediately blocked the card ending with [redacted] to prevent any further unauthorized use and we ordered her a replacement card We promptly opened a dispute claim [redacted] and began our investigation We also informed Ms [redacted] of the investigation timeframe afforded under Regulation E We concluded our investigation on Ms***’ dispute claim [redacted] on March 27, 2017, 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 letter detailing the results of the investigation was mailed to Ms***’ address on file A member of our Corporate Office spoke with Ms [redacted] on April 4, and explained the results of her dispute claim We re-reviewed the investigation documents sent to Ms [redacted] for her dispute claim [redacted] , and based on our findings, the claim was handled appropriately 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