Realcor Developments Ltd.

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Ms*** states that she did not receive cash from the ATMShe wants her money back that was not dispensedOn May 23, 2015, Ms*** disputed a transaction that did not dispense the money she
requestedWe updated her disputes claim on the tenth business day, June 8thWe issued a provisional credit for the non-dispensed funds and the ATM feesThe claim will not finalize until July 24thIf successful, no further action will be required at the close of claim, since she has already received her fundsNetSpend understands the disputes process can be a lengthy oneWe appreciate Ms***’s patience while we attempt to retrieve the funds for her disputes claimWe have provided her with our contact information should she have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern:We received comp*aint # *** fi*ed with your office by *** *** concerning his dispute c*aim.On Apri* 26, 2016, Mr*** contacted us to report that he did not receive the cash from an ATM withdrawWe immediate*y opened a dispute c*aim and we began our
investigationWe a*so informed Mr*** of the investigation timeframes afforded to financia* institutions, under Regu*ation EMr***’s dispute c*aim was updated on May and a provisiona* credit was not app*ied because we did not receive a *etter of disputeMr*** provided a *etter on the fo**owing day and a provisiona* credit was issued whi*e the c*aim is investigated.We spoke to Mr*** on May and informed him of the provisiona* credit and dead*ine date of his disputes c*aimWe have provided Mr*** with our contact information shou*d he have any additiona* questions or concernsThank you,*** ***Corporate Customer Response TeamNetSpend A TSYS Company

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Thanks I got my money !!!!!
Regards,
*** ***

To Whom It May Concern: We received complaint # filed with your office by *** *** concerning the inconvenience he experienced with activating a NetSpend Western Union Prepaid cardHe’s requesting the 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, we will ask for their name, physical street address, date of birth, and other information that will allow us to reasonably identify them. The information about the card terms and the requirements for activation are included in the card offer envelope. On January 10, 2016, Mr*** attempted to activate his card offer, but the information he provided could not be verified by our process. We requested that he send identifying documents to fully approve his account. We reached out to Mr*** by telephone and email on January 28th. Unfortunately we have not had the opportunity to speak with him, but will assist with his concerns when he returns our call. NetSpend regrets the inconvenience that Mr*** experienced while attempting to activate his cardWe have provided him with our contact information should he have any additional questions or concerns. Thank you, *** ** *** Corporate Customer Response Team NetSpend A TSYS Company

Complaint: ***
I am rejecting this response because:
Regards,
*** ***

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Ms*** states that she filed a disputes claim for an ATM transaction that did not dispense cashShe wants a refund because the ATM owner admitted no cash was givenOn June 3, 2015, Ms
*** disputed an ATM transaction where she did not receive the cashWe informed her that an update would be given on her claim in ten business days, June 17thOn that day we issued a provisional credit for the amount of her claimThe final date of the disputes claim is July 18thThe next business day, July 20th, the claim will be closedNo further action will be required as long as the claim is successful, since Ms*** has already received her fundsNetSpend understands the disputes process can be lengthyWe appreciate Ms***’s patience as we attempt to retrieve the funds from the merchantWe have provided her our contact information should she have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

We received complaint # *** filed with your office by *** *** concerning the inconvenience she and her daughter experienced with activating her card To help the Federal Government fight against funding terrorism and money laundering activities, federal law requires all financial
institutions to obtain, verify, and record information that identifies each person who opens a prepaid debit card 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 themThis information can be found on the outside of our card packaging Ms***’ daughter purchased her NetSpend card on April 3, Additional information was needed to activate her account, and our customer service requested for her to send in identity documents Since Ms*** was unable to send us all of her identity documents, she was provided an option to convert her NetSpend account to Limited Use statusLimited Use allows funds to be dispensed from the NetSpend card at the point of sale, using PIN and Signature transactionsOnce the funds are dispensed, the account will close and the card can be discardedMs*** agreed to have her card converted to Limited Use.On April 7th, I spoke with Ms*** regarding the problems she encounteredI clarified the reason we request proof of address and credited her account for the fees she would be charged to use the funds on the card We will continue to educate our staff to be more careful, attentive and service oriented when handling our customer‘s concerns and we apologize again for any inconvenience.NetSpend regrets the inconvenience that Ms*** experienced while attempting to activate her card I have provided her with my contact information should she have any additional questions or concerns Thank you,*** ***Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern: Thank you for forwarding Mr*** complaint to usAs you requested, we addressed this matter directly with Mr*** on April 4, 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, *** *** Customer Experience Analyst Netspend, a TSYS Company

*** *** ***:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meBut it was a call from ** *** that I received that has resolved the issueHe checked everything out and netspend customer service team did not ad my apartment number to my addressedSo they are sending another check, hopefully I will get it , as of today I'm waitingAlso the problem is that netspend is in *** **, they have no local contact numberYou always receive a agent in India somewhere tht says they can't understand u , but its cause I'm English and they are not understanding usThey had no idea when I gave them the addressee and then gave them the #*** number , which stands for apartment number over her in the USATHANKS ! Revdex.com for getting me a responseIts been days so we will see if my money arrives within business days
Regards,
*** ***

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Ms*** states that her card was blocked and she had no access to her fundsShe wants to speak with a manager, and mail the balance to her in a checkOur Risk Management Team regularly monitors our
customer’s accounts in efforts to prevent compromising activity, or unacceptable account usageOur Risk Management Team identified risk factors that led to blocking Ms***’s card on June 29, We requested verification of an attempted charge on her cardThe transaction was not done by Ms***, so the money was released back to her account balanceThe other attempts were rejected due to the card being blockedOn July 9th, we spoke with Ms*** and verified her informationWe are rushing a new card to her so she can access her fundsWe apologize for the tight security measures she encountered from the representativesWe explained that we were attempting to secure her fundsNetSpend regrets any inconvenience Ms*** experienced with the blocking of her cardWe have provided her with our contact information should she have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern:We received a rebuttal complaint # *** filed with your office by *** ***Ms*** states that she had to pay for late fees and is requesting to be reimbursed $in late feesOn September 11, 2015, our Corporate Customer Response Manager assisted Ms*** in transferring her remaining account balance to her niece’s NetSpend accountThis effort was to avoid her having to wait for a refund check, and to gain immediate access to her funds so that she can avoid late feesWe have reached out to Ms*** by telephone and email so she can clarify the late feesWe have yet to speak with her, but will assist when she returns our callNetSpend regrets the inconvenience that Ms*** has experiencedWe have provided her our contact information should she have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning the inconvenience he experienced with activating his NetSpend card He feels is it unnecessary for Netspend to require documentation to activate his card To help the Federal
Government fight against funding terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a prepaid debit card 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 themThis information can be found on the outside of our card packaging Mr*** purchased his NetSpend card on February 26, Additional information was needed to fully activate his account, and our Customer Service Department requested for Mr*** to send in identity documents We received acceptable documents to approve his account on February 29th We reached out to address Mr*** concerns on March 1st and 2nd and he confirmed his card is now working.NetSpend regrets the inconvenience that Mr*** experienced while attempting to activate his card We have provided him with our contact information should he have any additional questions or concerns Thank you,
*** ***Corporate Customer Response TeamNetSpend A TSYS Company

Friday, December 18, 2015To Whom It
May Concern:We received complaint # *** filed with your office by *** *** concerning a cash load that did
not post to his account. He’s requesting
the negative balance to be corrected and his money to be returned to the card
balance. On
December
10, 2015, a check cashing distributor of NetSpend reversed two $deposits from
Mr***’ account. This reversal resulted
in a negative balance of $on his card balance. Ten minutes later, when he loaded $at a
different distributor, his new balance became negative $495.95. We spoke with Mr*** on December 17th and informed him that his concern is being investigated. We are currently in contact with the
distributors and we will convey our findings to Mr*** as soon as they
become available. NetSpend
regrets the inconvenience Mr*** experienced as a result of the reversal of
funds. We have provided him with our
contact information should he have any additional questions or concerns. Thank you,*** ** ***Corporate
Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning the access to her card account balanceOn January 7, 2017, Ms*** contacted us by email to report a transaction she did not authorized. We immediately blocked her card
to prevent future unauthorized transactions from occurring on her card accountWe ordered a replacement card to be mailed to her address on file. We informed Ms*** that the standard delivery timeframe can be 7-business days for the card to be received. On January 12, Ms*** contacted our Customer Service Department to inquire why her card was blocked. We explained that because, she reported an unauthorized transaction, we blocked her card to protect her available funds. Ms*** was informed to purchase a new Netspend account to transfer the remaining account balance from her old account. On temporary cards, the transfer feature is not available until the permanent card on the new account is activated. Our records show the transfer feature was made available on January 13, and Ms*** was able to access her account balance. The fee was waived to transfer the funds to her new accountA member of our Corporate Response Team spoke to Ms*** on January 18, and explained why the transfer feature was not immediately availableAs a courtesy, we refunded the fee Ms*** was charged to purchase the new card and the transaction fees. Ms*** received and activated her replacement card on January We apologize for the service that Ms*** experienced with our Customer Service Department. We have reported this incident to the management staff of the customer service agents she spoke with We have provided Ms*** with our contact information should she have any additional questions or concerns. Thank you, *** *** Corporate Customer Response Team Netspend, a TSYS Company

Complaint: ***
I am rejecting this response because: your system is not user friendly and you shouldn't have to wait on hold for hours to resolve an issue, if you know tax season is busy have more people available because if you need verification by a certain time and a person has to waIt until their funds have been sent back to get any sort of customer service from your company they are less likely to use your service in the future
Regards,
*** *** ***

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Mr*** states that his account was closed due to fraudulent activity and he was supposed to get a refund in business daysHe wants a full refund ASAP because he never received the fundsOur Risk Management Team regularly monitors our customer’s accounts in efforts to prevent compromising activity, or unacceptable account usageOur Risk Management Team identified risk factors that led to blocking Mr***’s account on April 17, We requested copies of identifying documents in order to remove the blockWe reviewed the documents and closed the account that same dayThe remaining funds on Mr***’s account were returned to the account where they were transferred fromNetSpend regrets any inconvenience Mr*** experienced with the review of his documentsWe have provided him with our contact information should he have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
After checking both home and cell records though no attempt to contact me verbally wascever madeI calledcthem twice and again waited for overminutes each and everyvtime, I find it amazing how they can say -no lie about this given they still owe in fees.
Regards,
*** ***

Tuesday, November 21, To Whom It May Concern: Thank you for forwarding Mr*** ***’ complaint *** to usAs you requested, we addressed this matter directly with Mr*** on November 20, by way of telephoneWe informed Mr*** by email of our actions to resolve his
complaint on the same dayThank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concernThank you, *** ** ***Customer Experience Specialist Netspend, a TSYS Company

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning the activation of her 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. Our packaging also informs that the person activating the card must be at least years of age. On December 8, 2016, Ms*** attempted to activate a new NetSpend card in a name other than what she provided as her contact information to the Revdex.com. Ms*** identity information could not be automatically verified. We requested Ms*** to provide copies of her identification documents to verify her identity in order to approve the account. Ms*** declined to send documents or have the card converted to ‘Limited Use’ option that would allow her to use the card for in store purchases. She requested a refund check be mailed to herMs*** will receive a refund check matching the information provided on the account within ten business days. A member of our Corporate Response Team reached out to Ms*** on December 9, regarding the card she purchased and the refund check. Unfortunately we were not able to speak with Ms***, an email was sent to her with information regarding the refund check. As a courtesy, we also refunded the purchase price of the car We have provided Ms*** with our contact information should she have any additional questions or concerns. Thank you, *** ** *** Corporate Customer Response Team NetSpend, A TSYS Company

To Whom
It May Concern:We received complaint # *** filed with your office by *** *** concerning his NetSpend card
order that he did not receive. He’s
requesting to be reimbursed for the monthly fee plan as a result of the
duration that he went without his replacement cardOn
October 4, our customer
service ordered the first replacement card for Mr*** and was told that he
would receive his card in the mail within 7-business daysMr***
contacted our customer service twice on October 20th after he didn’t
receive his card order, and a replacement card was ordered during each of those
callsWhile speaking with Mr*** on October 27th, he mentioned
that he received a card at his shipping address, and will call us back with
information on the card so that we can validate if it’s one of the card orders
that our customer service initiated for himIn the meantime, we’ve transferred
the funds on Mr***’s existing account to his other NetSpend account, so
that he can access his fundsNetSpend regrets the inconvenience that Mr
*** experienced while waiting for his replacement cardWe have provided
him with our contact information should he have any additional questions or
concerns. Thank
you,*** ** ***Corporate
Customer Response TeamNetSpend
A TSYS Company