Realcor Developments Ltd.

Revdex.com:
A representative of the NetSpend business did promptly contact me and has offered to send me a check within the next business days. Please consider this issue marked as open and unresolved until check is received and funds deposited. If and when this occurs, I will follow up as amicably resolved. If not, I will similarly update. Please allow two weeks, per NetSpend.
Regards,
*** ***

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a NetSpend card that her son was unable to activate and use. 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. This information can be found on the outside of our card packaging and it also states that the person activating the card must be at least years old. On April 2, 2016, Ms***’s son provided information to activate his NetSpend card, but it did not approve automatically. Our Customer Service informed him we would need identity documents to manually approve the account, but he did not want to send the documents. He accepted an offer to convert the card to limited use status. Limited use allows the card to be used for in store purchases. Once the funds are used on the card, the account can be closed. Two days later, Ms***’s son attempted to use the card, but the transaction would not go through because the card was not activated. They called back to customer service and the card was activated for use. We spoke with Ms*** on April 6th and apologized for the difficult time she and her son experienced with using the card and our customer service. As a courtesy, we refunded the transaction fees associated with the card and explained the limitations of the card under limited use. We have also provided her with our contact information should she have any additional questions or concerns. Thank you, *** ** **
***lCorporate 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 meAll issues are resolvedI am satisfied with the outcome
Regards,
*** ***

Friday, September 22, To Whom It May Concern: Thank you for forwarding Ms*** ***’s complaint *** to usAs you requested, we addressed this matter directly with Ms*** on September 20, by way of telephoneWe informed Ms*** by email on September 22, of the
final date of her dispute claim, and other actions taken on her accountThank 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 *** ***Ms*** states that she was charged for an unauthorized transaction from Target in the amount of $She’s requesting to be reimbursed for the unauthorized transactionOn January 31, 2013,
Target issued a credit to Ms***’s account in the amount of $Shortly after the credit was applied, an ATM withdrawal was made for $The next day, Target charged Ms***’s card for the same amount that was credited the day beforeThis resulted in a negative balance in the amount of $On February 6, 2013, Mr*** disputed the transaction from Target in the amount of $We informed her that an update would be provided within ten business days from the claim initiation date, February 19thOn the tenth business day, our Disputes Department requested a disputes letter from Ms***, to explain the details of the unauthorized transactionOn May 2nd, the disputes claim was closed as no error found on the Target transactionMs*** sent her disputes letter to NetSpend on May 8th and 9thIn her letter, she listed an unauthorized transaction from Target for $Since a transaction from Target in that amount never existed, we could not change the decision of her disputes claimOn September 2, 2015, we spoke with Ms*** and she asked for another review for the disputes claim with TargetWe have presented her case for a second review by our Disputes Department, and will provide her with the outcome of her request once we receive an updateNetSpend regrets any inconvenience that Ms*** experienced as a result of the disputes claim decisionWe have provided her with our contact information should she have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: ***
I am rejecting this response because: Even though they say they have sent a refund check they have notIt is now 2-15-and I have not received a refund checkThey lie to the Revdex.com and say they sent it but they have notYes they told me they would send one but they lied to me as well and have not sent oneI still do not have my money backMy daughter did not have a Christmas this past year because they STOLE my money and refuse to give it backI want to SUE and SHUT them down and get my money backI will be going further with this
Regards,
*** ***

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Mr*** states that he has been trying for over a month to get a refund for stolen moneyHe wants his money backAs we stated in our response to complaint # ***, we paid out his first
disputes claim for $on March 31, On April 15th, Mr*** reports the replacement card we sent him from the first disputes claim was also 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 items totaling $Someone 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 transactionsWe have spoken to Mr*** and explained our decisionHe 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: Thank you for forwarding Mr***’s complaint to usAs you requested, we addressed this matter directly with Mr*** on November 29, 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

Complaint: ***
I am rejecting this response because: My payroll department advised me that my direct deposits are made much earlier than 9:P.Mand told me they are posted at noon and on rare occassions latest would be p.mThey told me if my payments are later than it is the financial institution that is posting them late to my accountTherefore, I do not accept this complaint resolved
Regards,
*** ***

To Whom
It May Concern:We received complaint # *** filed with your office by *** *** concerning the closure of her
account. She’s requesting her account to
be re-opened and to have access to her funds. On November 9, 2015, Ms***
disputed twenty-three
transactions that occurred on her account during the time
period of July 27th thru July 31st. Customer Service informed her that the two
claims would be updated on the tenth business day, November 24th. On the tenth business day, both disputes
claims were closed with no error found and no funds were recovered. In an effort to protect NetSpend cardholders,
Our Risk Management Team regularly monitors their accounts in efforts to
prevent compromising activity, or unacceptable account usageOur Risk
Management Team identified risk factors that led to the closing of Ms
***’ accounts on November 24, 2015. She is no longer eligible for NetSpend services due to the risk factors
that were identified For security
purposes, we are unable to disclose our methods in determining risk factorsOn December 7th, we reached
out to Ms*** by telephone and email, but have not had the opportunity
to speak with her. We will assist with
her concerns once she returns our call. The remaining funds on her account are being returned to the sender, US
Treasury / SSI (Social Security Income). We will notate her account once we have verification that the funds have
been received by the sender. NetSpend
regrets any inconvenience that Ms*** experienced as a result of her
account closureWe have provided her 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 *** *** concerning the misinformation he received regarding his dispute claim.On October 9, 2016, Mr*** contacted our Customer Service Department to dispute a transaction that posted to his accountWe
promptly opened a dispute claim and began our investigationWe also informed Mr*** of the investigation timeframe afforded under Regulation E. Mr*** stated that he was expecting a refund from the merchant because he returned the productHe requested a provisional credit be issued to his account until the refund posted to his accountMr*** informed us that he had a copy of the receipt showing he returned the product and the merchant intended to issue a refund to his cardMr*** was advised to provide the refund receipt so that it could be included in our investigation of his claimHe was also reminded of the investigation timeframe afforded under Regulation E A member of our Corporate Office Response Team spoke with Mr*** on October We informed Mr*** that the merchant issued the refund onto his account on October 10. Our records show that with Mr*** previous claims were also handled in accordance with the timeframe afforded under Regulation E.We apologize for the service that Mr*** experienced with our Customer Service Department We have reported this incident to the management staff of the customer service agents he spoke withAdditionally it is not our policy to proactively offer the Optional Overdraft Protection Program to cardholders and have addressed this with the customer service agents he spoke withWe also issued a courtesy credit to his account due to the experience he received.We have provided Mr*** 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 *** ***Ms*** states that she wanted to use the card she received in 2013, but she was told the balance was zero after she provided her information to activate the cardShe wants the original value of the
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, we will ask for their name, physical residential street address, date of birth, and other information that will allow us to reasonably identify themNetSpend is compliant with the laws concerning the prepaid debit cardOur packaging informs the buyer it is not a gift cardWe also display the fees associated with the card on the outside of the packageOn July 10, we attempted to reach Ms*** by telephone and emailWhen she contacts us, we will go over the options for her to retrieve the $from the cardThe original card from is now expiredWhen she activated the account on July 4, 2015, we ordered her another cardNetSpend regrets the inconvenience that Ms*** experienced while trying access the funds on her cardWe 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 a rebuttal complaint # *** filed with your office by *** ***Mr*** does not accept the response because he has not had a Western Union prepaid card in the past and he never received a formal notice detailing the reason he is no longer eligible for service with NetSpendMr*** feels we are discriminating against him and would like access to his accountOur response has not changed; Mr*** remains ineligible for NetSpend servicesOur Risk Management Team identified risk factors that led to blocking Mr***’ account on May 22, For security purposes we are not permitted to disclose the risk that was identified on the accountFrom that point, Mr*** was no longer eligible for NetSpend servicesNetSpend is the manager for several different branded prepaid cardsOur card terms inform the cardholder of the following conditions"The Card will remain the property of the Issuer and must be surrendered upon demandThe Card and Virtual Account are nontransferable and may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law." NetSpend regrets any inconvenience that Mr*** experienced with the new cardWe have provided him with our contact information should he 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 that she’s experiencing with her disputes claimShe’s requesting a refund for the disputed items. We reached out to Ms*** on December 23rd by telephone, and we were able to address her concernsWe regret the frustration that Ms*** has experienced while disputing the transactions on her account, and appreciate her patienceWe 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

Friday, July 8, 2016To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning the Refer-A-Friend bonus associated with her NetSpend Prepaid Debit Card On May 23, 2016, Ms*** sent an invitation for the Refer-A-Friend program to her daughter
The Refer-A-Friend invitation was accepted and a new account was created with Ms*** identity information Because this would have been Ms*** second account, the Refer-A-Friend bonus did not apply. On July 05, 2016, we attempted to reach Ms***, but unfortunately, we have not had the opportunity to speak with her As a courtesy, we have issued a credit to Ms*** account 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

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
The complaint that I submitted 6-21-has been resolvedA representative from net spend corporate office (Mr***) sent me
an email at am on the following morning 6-22-on steps to resolve the problem I don't believe that without the assistance of the Revdex.com this issue would have been resolved Thank you for the quick response from your team I was instructed to send a copy of my drivers license/social security, and a current utility bill I sent all requested info to Mr.***s email He then called me and informed me everything was received and in order! Again thank you so much!
Regards,
*** ***

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning the closing of his NetSpend accounts and the remaining funds being returned to the senderOur Risk Management Team regularly monitors account activity in order to provide a safe and secure
product for all of our cardholdersOur Risk Management Team identified risk factors that led to the blocking of Mr*** three accounts on January 20, 2016. He is no longer eligible for NetSpend servicesThe factors that lead to the account closure are kept internal for security reasons. Our Risk Management Team notated Mr*** accounts that the remaining funds will be returned to the senders once they receive an indemnity letter from each company. We spoke with Mr*** on March 10th and addressed his concerns. We emailed him a list of depositors that sent funds to his accounts. NetSpend regrets the inconvenience that Mr*** experienced as a result of the closing of his accountsWe 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

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning the problems she has experienced with her dispute On February 16, 2016, Ms*** opened a dispute claim for a transaction made on her card that was paid using a different method
As a result of not receiving documentation to show the other method of payment used within the first business days of her disputes claim, no provisional credit was issued for Ms***’s accountOn March 1st, we received documentation to support her claim, and after further review by our Disputes Team, we issued a provisional credit to Ms***’s account.On March 8th, I spoke with Ms*** to address her concerns.NetSpend regrets the inconvenience that Ms*** experienced while waiting to receive a provisional creditWe 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 *** *** Ms*** mentions that her overdraft protection was temporarily suspended without being forewarned.On February 7, 2016, Ms*** Overdraft Protection feature (ODP) on her account went into a temporary cooling off period for ninety days The ODP will become eligible for activation again on May 7th as long as Ms*** opts back into ODP, and meets the requirements to reactive the service. On March 23rd, I spoke with Ms*** to address her full concerns and clarify the terms and conditions of the overdraft protection.We apologize for the inconvenience that Ms*** experienced as a result of the ODP suspension We have provided her 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 *** *** concerning a block on his account that was caused by a merchant refundHe’s requesting access to his funds Our Fraud Prevention Team regularly monitors account activity in order to provide
a safe and secure product for all of our cardholdersOn July 6, 2015, a systemic block was placed on Mr***s account after he received several refunds from multiple merchantsIn 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 rulesOn February 21, 2016, Mr*** advised that the refunds were from previous unauthorized charges made using his Netspend cardOn February 22nd, our Risk Management Team further reviewed the account and removed the block.On February 22nd, I spoke with Mr*** to address his full concerns, as well as ordered him a card to be expedited to his address. NetSpend regrets the inconvenience that Mr*** experienced as a result of the block on his accountHe has my contact information should he have any further questions or concerns. Thank you,*** ***Corporate Customer Response TeamNetSpend A TSYS Company