Realcor Developments Ltd.

Complaint: ***
I am rejecting this response because:Netspend wants me to wait an additional more days for my money and I emailed and spoke to someone prior to the 21stI have no issue sending the letter I just want my money before bus days
Regards,
*** ***

To Whom It May Concern: We received complaint # filed with your office by *** *** concerning a block that took place on her new card that was caused by a previous account with a negative balance. She’s requesting access to the funds she loaded on to the cardOn January 5,
2016, there was an attempt to activate a new prepaid debit card in Ms*** nameOur system recognized that her information was associated with previous account that had a negative balance, and automatically blocked the new accountMs*** spoke with Our Risk Management Team and they requested for her to send identity documents to approve her new account. Ms*** requested for the account to be closed on the same day and a check was mailed to her address on file on January 8th. Mrs*** contacted our customer service on several occasions to inquire about her refund check. Since the original check was not received, our Accounting Department canceled it on February 2nd. Ms*** will receive a replacement check at the updated address within ten business days. NetSpend regrets the inconvenience that Ms*** experienced while attempting to activate her new card. We have provided her with our contact information should she have any additional questions or concerns. Thank you, *** ** *** Corporate Customer Response Team NetSpend 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
Regards,
Ms***

Complaint: ***
I am rejecting this response because:*** did not provide a Toll Free contact number.*** did not express any interest in resolving this matter to my satisfaction, before, during or after my possible contact with the FTC to complain about the fraud being committed by him.*** was not explanatory*** refused to disclose to me information written above, and continues to refuse to disclose all details used to fabricate the company's discriminatory actions for me to have access to the sole card accepted by Western Union for on-line loading of received funds.The company's actions are unexplained
Regards,
*** ***

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
Thank you very much issue resolved you can close claimI really appreciate it Company refunded money
Regards,
*** ***

Monday, August 15, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a NetSpend Prepaid MasterCard offer she received in the mailNetSpend relies on affiliate marketing services as a source for reaching potential new customers and
card offer recipients’ information is acquired through these business relationshipsA 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 informationBecause NetSpend feels strongly about customer privacy, we only contract with marketing affiliates that have collected the information from willing consumers years of age and older and have received permission to share it with usThe offer is not active and cannot be used unless activatedDuring activation, NetSpend verifies the identity of the person activating the offer to ensure that the card offer can only be used by the intended recipientIf the recipient cannot be verified, then the offer cannot be activatedIn response to this communication, we permanently blocked the card offer on August 8, Additionally, we have submitted a request to our Marketing Department to provide information concerning how her name and address were obtainedThis information has been received and conveyed to MsPerryWe have also removed Ms*** name and address from our mailing list and she should not receive any future offers from any NetSpend managed programsMs*** has been provided our contact information should she have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Tuesday, November 14, 2017To Whom It May Concern: Thank you for forwarding Ms***’s complaint to us. We do not show any recent attempts to complete a PayPal transfer, but we will assist Ms*** in utilizing this feature.We attempted to reach Ms*** by phone and email on
November 14, but unfortunately, were unable to speak with Ms***We emailed her a letter on November 14, 2017, 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, *** ***Customer Experience AnalystNetspend, a TSYS Company

To whom it may concern: Thank you for forwarding Ms*** ***’s complaint *** to us Our records show a dispute claim was initiated on September 2, 2017. 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 reviewed Ms***’s dispute claim and determined the investigation is being handled correctly. Her claim is scheduled to be updated on September 18, 2017. We attempted to reach Ms*** on September 5, and 8, by telephone and by email, but unfortunately, we were unable to speak with herThe email we sent outlined our actions to resolve her complaint and provided further insight on the dispute resolution process Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concern Thank you, *** ** *** Customer Experience Specialist Netspend, a TSYS Company

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning the problems he has experienced with his dispute claim. On March 11, 2016, Mr*** opened a dispute claim for unauthorized transactionsOn March 25th, our Disputes Team concluded his
claim with no credit being issued to his accountI attempted to contact Mr*** on March 28th and 29th to address his concerns, but have not heard back from himShould Mr*** contact me, I will be glad to review his account with him.Netspend regrets any inconvenience that Mr*** experienced with the outcome of his claim He has been given 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: Thank you for forwarding Ms***’s complaint to usAs you requested, we addressed this matter directly with Ms*** on October 9, 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

To Whom It May Concern:We received complaint # *** filed with your office by *** *** *** states that he received credit for his first dispute, but the person who stole his money still had his account information and made additional unauthorized transactionsHe wants a full
refund of his depositOn March 20, 2015, *** *** reported his card as compromisedWe blocked the card and ordered him a replacementHe disputed the ATM transaction that occurred on the compromised card and we paid out his claim on March 31stOn April 15th, *** *** reports the replacement card compromised and he disputes four transactions that occurred the same day the card was activatedWe closed the second disputes claim on April 29th with no error foundNo payout was given for the disputed itemsSomeone was able to get the card delivered to his address, use his user name and password to logon to his personal account center, and use the PIN to complete transactionsThe second replacement card is also blocked due to compromised card in connection with a third disputes claimNetSpend regrets the inconvenience *** *** is experiencing from the three compromised cardsHe has been given my contact information so he can call for assistance in protecting his accountThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning the refund for her recently purchased 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. Our packaging also informs that the person activating the card must be at least years of age. On July 9, 2016, Ms*** attempted to activate her new NetSpend Card Account. 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 Card Account. We never received identity documents. A member of our Corporate Response Team spoke with Ms*** on January 17, to discuss her Card Account. Ms*** requested to close the account and receive a refund check, she confirmed the name and address for the refund check to be sent. As a courtesy, we refunded Ms*** all fees and she will receive a check for the full amount of the card account within the next ten business days. 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

Wednesday, February 15, 2017To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning an incorrect transaction on her Card Account. On February 9, 2017, Amazon Prime Membership requested $from Ms***’s Card Account at 10:53AM CST
Ms*** contacted us through her online account center to report that the transaction was cancelled and to release the pending hold We replied back to her message in error stating that the pending transaction was released Amazon Prime collected the funds from Ms***’s Card Account at 12:47PM, but issued a credit refund for that amount later that same day. A member of our Corporate Office reached out to Ms*** on February 13, to explain the posted transaction and the credit refund from the merchant We issued a courtesy credit to her Card Account and sent her an email to explain the sequence of events We apologize for the service and misinformation that Ms*** received from our Customer Service Department We have reported this incident to the management staff of the customer service agents she communicated with We have provided Ms*** with our contact information should she have any additional questions or concerns Thank you,*** ** ***Corporate Customer Experience SpecialistNetSpend A TSYS Company

Wednesday January 6, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning the fees charged while using her NetSpend cardShe would like a refund of the transaction fees she was charged. On December 19, 2015, Ms*** had funds
transferred to her card by her daughter. According to the terms of the card, she was charged a $transaction fee for transactions done as credit and $for transactions done with her PIN. She contacted our customer service to inquire about the transaction fees on December 29, requesting a refund. The fees were explained and options given on how to reduce the card costsWe contacted Ms*** on January 4, to inform her that the fees have been reversed and that she is now on the monthly Fee Advantage Plan. NetSpend regrets the inconvenience that Ms*** experienced with our product. We have provided her 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 her dispute claim.On June 18, 2016, Ms*** called to report an unauthorized transaction that occurred on her accountWe immediately opened a dispute claim and began our investigation
We also blocked her card to prevent further unauthorized activity and ordered a replacementWe informed Ms*** of the investigation timeframes afforded under Regulation E We reached out to Ms*** to discuss her dispute claim on June We have issued a provisional credit to Ms***’s account while her claim is investigated The claim is scheduled to be finalized by the end of the day on August The results of the investigation will be sent to Ms*** in writing within business days of completing our investigation.We have provided Ms*** with our contact information should she 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 *** ***Mr*** states that he is unable to log into the NetSpend websiteHe wants assistance getting access to his online accountOn June 24, 2015, we contacted Mr*** to assist with the website
loginIt was not an appropriate time for him so we scheduled an appointment for the next dayNetSpend regrets the inconvenience that Mr*** experienced with accessing his online account centerHe is subscribed to the free text message alerts, so he will receive notification of transactions and he can request real time balance information on his accountWe have provided him our contact information and we will assist him at the scheduled timeThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern:We received additional comments on complaint
# *** filed with your office by *** ***, concerning a block that was placed
on her new card that she purchased. She’s requesting to know the exact reason why her card was blocked. In
an effort to protect NetSpend cardholders, our Risk Management Department
regularly monitors their accounts to prevent compromising activity, or
unacceptable account usageOur Risk Management Team identified risk factors
that led to the closing of Ms***’s accounts on November 9, 2012. She is no longer eligible for NetSpend
services due to the risk factors that were identifiedWe are unable to
disclose our methods that identify these factors due to security reasonsOn November 10, 2015,
we reached out to Ms*** by telephone and email, but have not had the
opportunity to speak with herWe will address any concerns with her if she
returns our call or e-mailThe refund check for her closed account was mailed to
her address on the account on November 5thWe regret any
inconvenience Ms*** has experienced while attempting to activate her new
card. We have provided her 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: Thank you for forwarding Ms***’s additional comments to usWhen 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 accountWe’ve reviewed Ms***’s dispute claim and complaint that provisional credit was reversedAfter review, we’ve determined that her claim was handled correctly As you requested, we addressed this matter directly with Ms***’s on October 31, by way of e-mailWe provided her with further insight on the dispute resolution processThank 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

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning a block on her account. Our Risk Management Team regularly monitors cardholder accounts in order to provide a safe and secure product for all of our cardholdersOn March 9th, 2016, a
block was placed on Ms*** accountOur Risk Management Team was able to verify information with Ms*** to remove the account block, but a replacement card order was necessary which we expedited to the address on file. On March 11th, I was able to speak with Ms*** to address her full concernsI confirmed with her that she should receive her card today via the UPS tracking number I provided to her. NetSpend regrets the inconvenience that Ms*** experienced while waiting to have access to her fundsWe have provided her our contact information should she 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 her disputes claim.On March 25, 2016, Ms*** contacted us to dispute a transaction that posted to her account A dispute claim was opened and we promptly began our investigationA
provisional credit was not issued due to the claim typeOn May 12, we concluded our investigation and reimbursed Ms*** account for the disputed transaction amount.Upon receipt of her complaint, we reached out to Ms*** on May to discuss her claimAt Ms*** request, we reopened her account and ordered her replacement card to be expedited to her address on file. 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 TeamNetSpend A TSYS Company