Realcor Developments Ltd.

Complaint: ***
I am rejecting this response because: I accept the money that was mine but I don't understand-"Risk Management Team identified risk factors on her account that led to account closureMs*** is no longer eligible for NetSpend services as a result." What risk factors??? Was it because I was upset and wanted my money?? I do not like the response that they said they identified risk factors on my accountI never had an account with themI received a simple gift card as a Christmas gift with $on it and I just wanted my money without having to fax them my Social Security card and drivers licenceThats just crazy

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning her card account During routine monitoring, we placed a temporary restriction on Ms*** card account on December 20, 2016, because we detected suspicious activity. In
order to remove the restriction, we requested Ms*** to provide us with copies of her documents to verify her identification. The documents she sent were unacceptable to remove the block. Ms*** requested the account to be closed on January 10, 2017. A member of our Corporate Response Team reached out to Ms*** on January 12, 2017, but we have not had the opportunity to speak with her. We emailed her that the account has been closed and the funds will be sent to the address on file. Ms*** will receive a check for the remaining funds on the card account within ten business days from the account closure. Ms*** has been provided 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:Netspend stated they sent a check out on March 21st but I have not received it at this timeI also was told an agent would call within hours but that has not happenedI just need to know when the check will arrive
Regards,
*** ***

Friday, March 30, To Whom It May Concern: Thank you for forwarding Ms*** *** *** complaint *** 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*** *** dispute claim and we have determined that her claim was handled correctlyAs you requested, we addressed this matter directly with Ms*** *** on March 30, by telephoneWe sent an email to Ms*** *** detailing our actions to resolve her complaintThe documents she presented are under review by our Dispute DepartmentWe will inform her of the results of the reviewThank 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

Complaint: ***
I am rejecting this response because: I was contacted by NetSpend, who is to send information as to where the card request originated. Do date, I have not received this information and consider the matter unresolved until the information is received
Regards,
*** ***

Friday, May 26, To Whom It May Concern:Thank you for forwarding Ms*** *** complaint # *** to usWe reviewed Ms*** Card Account and the block due to excessive refundWe validated and approved her documents for block removal on May 22, We attempted to reach Ms
*** by telephone on May 26, 2017, but unfortunately, were unable to speak with herWe emailed Ms*** the same day outlining the details of the actions done to resolve her complaintThank 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: Thank you for forwarding Ms*** complaint to usAs you requested, we addressed this matter directly with Ms*** on February 28, 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

Monday, February 20, 2017To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning her dispute claim On February 3, 2017, Ms*** contacted us to report unauthorized transaction that occurred on her Card Account We immediately blocked
her card to prevent further unauthorized use and ordered her a replacement We promptly opened a dispute claim *** and began our investigation We also informed Ms*** of the investigation timeframe afforded under Regulation E In response to her communication, a member of our Corporate Office spoke with Ms*** on February 22, and explained the dispute process We informed her that the next update for her claim *** will be available on March 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 he spoke with.Ms*** has been provided with our contact information should she have any additional questions or concerns Thank you,*** ** ***Corporate Customer Experience TeamNetspend, a TSYS Company

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning her dispute claim. On February 25, 2017, Ms*** contacted our Customer Service Department regarding an unauthorized pending charge from RentBeforeOwning.com for $
on her Card Account. Our agent released the pending authorization back into her available Card Account balance. Our agent also informed Ms*** that our release is not a void or cancel of the original charge. Ms*** would need to contact us back once the merchant collected the funds to open a dispute claim. The merchant collected the funds on February 26. Ms*** called the next day to inquire about her Card Account balance. We informed her RentBeforeOwning.com collected the funds and we would need to open a dispute claim on her behalf. Ms*** requested to speak to a supervisor and the dispute claim was not opened On March 8, Ms*** contacted us to open a dispute claim for the unauthorized transaction. We immediately blocked the card to prevent any further unauthorized use and order her a replacement card with expedited delivery timeframe. We promptly opened a dispute claim *** and began our investigation. We also informed Ms*** of the investigation timeframe afforded under Regulation E. A member from our Corporate Office spoke with Ms*** on March 8, and explained the dispute process. We informed her that the next update for her claim *** will be available on March 22. Ms*** informed us that she preauthorized payments to be deducted from her Card Account using the card that was blocked. We explained the option of using her account and routing numbers to debit the funds. We also expedited a temporary card to her address from the Corporate Office. We are sorry to hear that Ms*** had a bad experience with our Customer Service Department. We have reported this incident to the management staff of the customer service agents she spoke with to ensure that they receive appropriate coaching on our policies and procedures Our records indicate on March 09, the merchant issued a refund to Ms*** card account for the disputes transaction. Ms*** has been provided with our contact information should she have any additional questions concerning this matter. Thank you, *** ** *** Customer Experience Specialist Netspend, a TSYS Company

Monday, October 30, 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 30, by way of telephoneWe informed Ms*** by email of our actions to resolve her
complaintThank 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

Thursday, April 19, To Whom It May Concern: Thank you for forwarding Ms *** *** complaint *** to usNetspend 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 informationThe 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 activatedAs you requested, we addressed this matter directly with Ms*** on April 17, by telephoneWe emailed Ms*** the details outlining our actions to resolve her complaintThank 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

Thursday, March 8, 2018To Whom It May Concern: Thank you for forwarding Ms*** *** complaint *** to us. 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 themThe requirement to obtain this information is displayed on the card packaging prior to purchase. We attempted to reach Ms*** on March 7, and 8, 2018, by telephone, but we were unable to speak with herWe corresponded with Ms*** through email and provided the details 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 Specialist 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
I was contacted by home and cell phone and the outcome has been resolved
Thank you
*** ***

Tuesday, September 5, To Whom It May Concern: Thank you for forwarding Ms*** *** complaint *** to usAs you requested, we addressed this matter directly with Ms*** on August 31, by way of telephoneThe email we sent Ms*** on that same day, outlined our
actions to resolve her concernsThank 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 a NetSpend Prepaid MasterCard that was mailed to his address without him requesting itNetSpend 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 cardOn April 26, 2016, we spoke with Mr***We informed him that we canceled the card offer that was sent and have updated our systems to prevent future card offers from being mailed to his two addressesAdditionally, we have submitted a request to our Marketing Department in order to confirm how Mr***’s name and address were obtainedWe will convey that information to him once it is receivedWe regret any inconvenience that Mr*** experienced as a result of this card offerHe has been given 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 access to her husband’s account.On April 13, 2016, Mrs*** contacted our Customer Service to inform us that her husband was incarceratedWe blocked all the cards on the account
and sent a letter to the facility where Mr*** was locatedMrs*** contacted us on May and we requested her Power of Attorney documents in order to access her husband’s accountOur Legal Department reviewed Mrs***’ Power of Attorney documents on May and removed the block on her husband’s accountMrs*** gained access to the funds and her Power of Attorney documents are being mailed back to her addressWe apologize for any inconvenience Mrs*** experienced while waiting to access the funds on her husband’s accountWe have provided Mrs*** 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: Thank you for forwarding Mr***’s complaint to usAs you requested, we addressed this matter directly with Mr*** on May 4, 2017, 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 concern Thank you, *** *** Customer Experience Analyst Netspend, a TSYS Company

Monday, August 14, To Whom It May Concern: Thank you for forwarding Ms*** *** complaint # to usAs you requested, we addressed this matter directly with Ms*** on August 8, and 9, by way of telephoneWe sent Ms*** an email detailing the actions taken on
her account to resolve her concerns on August 9, and Thank 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 her account was closed due to suspicious activityShe’s requesting to have a refund check expedited to her. The USA Patriot Act is a federal law that requires all
financial institutions to obtain, verify, and record information that identifies each person who opens a card accountWhen our cardholders open a card account, we will ask for their name, 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 card.On June 8, 2015, Ms*** called customer service to activate her card, and was advised that identity documents were required to be sent to us in efforts to activate her cardMs*** agreed to send the identity documents Unfortunately, we were unable to accept the documents received to activate her card As a result, her account is now closed and she is no longer eligible for our servicesThis decision cannot be reversed. On June 18th, we sent Ms*** a check for the funds on her account;, however it was returned because the address we had on file was not correctWe verified the correct address with Ms*** and advised that she would receive a check within business days from July 17thI have attempted to contact Ms*** on July 21st and 22nd to address her concerns, but I have only been able to leave her voicemails with my contact information and send her communication via email.We regret the inconvenience that Ms*** experienced while waiting for her checkShe has been given 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: Thank you for forwarding Ms*** complaint to usAs you requested, we addressed this matter directly with Ms*** on July 21, by way of telephoneIf 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