Realcor Developments Ltd.

Thursday, October 12, 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 10, by way of telephoneWe informed Ms*** by email of 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 concernThank you, *** ** ***Customer Experience Specialist Netspend, a TSYS Company

Complaint: ***
I am rejecting this response because: Netspend did not return my money. When a person purchases a gift card, the money should be immediately available. As I discovered after this company stole my money from Revdex.com's own website as posted, "Based on Revdex.com files, NetSpend Corporation has a pattern of disputes alleging unauthorized charges on consumer prepaid debit cards not being refunded." If anyone at the Revdex.com in Texas is interested, click this link - *** and read all about it. Furthermore, I cannot believe the Revdex.com, rather than calling me directly, never called to find out what my problem was but passed my info along to Netspend! Please do not have this gentleman call me again, it amounted to no more than harrassment. He did not resolve anything.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is pending
Regards,
*** ***

Friday, July 15, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a NetSpend credit inquiry. He is requesting that the inquiry be removed so that he may apply for loans We spoke with Mr*** on July 15,
and informed him that NetSpend does not report to any credit bureausPrepaid cards are not extensions of credit and do not require a credit inquiry. We have provided Mr*** with our contact information should he have any additional questions or concerns. Thank you, *** *** Corporate Customer Response Team NetSpend A TSYS Company

Thursday, August 18, To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning his dispute claimOn August 15, 2016, Mr*** reported his card lost on our automated phone systemMr*** contacted us the next day to order a replacementOn
August 17, Mr*** contacted us to report an unauthorized transaction that occurred on his accountWe promptly opened a disputes claim and began our investigationWe also informed Mr*** of the investigation timeframes afforded under Regulation EIn response to his communication, a member of our Corporate Customer Response Team reached out to Mr*** on August 17, but unfortunately, we have not had the opportunity to speak with himHis claim will be updated on August 31, and the provisional credit decision will be made at that timeWe sent Mr*** an email with this informationWe understand how frustrating it can be to experience unauthorized charges on your accountNetSpend is very committed to providing a safe and secure productMr*** has been provided 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
Mr*** gave the $to me in a fast and Considerate way! I am 100% Satisfied now!
Regards,
*** ***

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Mr*** states that he only received $out of the $he requested from the ATMHe wants the remainder of his funds credited back to his cardOn June 5, 2015, Mr*** disputed the
transaction at Pit Stop ATM as mis-dispensed fundsOn occasions an ATM will not dispense all of the requested fundsThe ATM owner will sometimes correct the error within three daysOn Mr***’s disputes claim, the ATM owner did not return a credit to his cardWe will update his claim within ten business days, June 19thAt that time, the provisional credit decision will be made for his disputes claimNetSpend understands the disputes process can be a lengthy oneWe appreciate Mr***’s patience while we attempt to retrieve his fundsWe have provided him with our contact information should he have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: ***
I am rejecting this response because:dont know what a reversal is.the check cash says they can only load cards nothing elsedon't know how this happened but the end result is I am out $dollars and my bill is not paidplease resolved this matter soon as possible so I can take care of my business. thank you
Regards,
*** ***

June 3, 2015 To whom it may concern I am writing a response to Netspend denial to pay me 2,which is due to meI was incarcerated between July 22, and March 5, I did not give anyone permission to use my cardI am asking for my money to be replaced on my card It has been days I keep getting excuse after excuse about this money I have already sent in my information concerning this dispute The information they requested was only for me to send them the paperwork of the dates I was incarcerated I have long did that and Netspend is still refusing to grant my requestThis is causing me pain + suffering I need my money This letter is in reference to #*** Dispute with Netspend. Sincerely, *** *** ***

Complaint: ***
I am rejecting this response because:
I have attempted to reply to an email that was sent to me with my daughter's information at *** and the email returned as an error. Please remove my daughter, *** *** from your mailing lists as well and cancel the card issued in her nameI will be more than happy to accept your response once this has been completedRegards,
*** ***

Thursday, June 1, 2017To Whom It May Concern:Thank you for forwarding Mr*** *** additional comments on complaint # *** to us. Netspend reviewed Mr*** Card Account block and call recordings We attempted to reach Mr*** on May and June 1, by telephone, but unfortunately, we were unable to speak with himThe email we sent on May 25, outlined our actions to resolve Mr*** complaintHis case has been assigned to a Corporate Customer Response Team Analyst, BillyShould he contact our Customer Service Department, we have left notes on his account for him to be connected with Billy to further assist him with his matter 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

Wednesday, October 12, 2016To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning the funds from her account On December 3, 2015, we received a Death Notification Entry from the Social Security Administration (SSA) informing us that the
beneficiary on Ms*** account had passed away on November 25, The account was closed immediately and the remaining funds were placed on hold until reclamation has been received from the Social Security Administration If a reclamation is not received after days, the funds can be released to the executor of the estate once appropriate documentation is received Our Legal Department received the documents from Ms*** on May 27, but the documents were insufficient to send a refund check Ms*** was able to provide the remaining required documents on October 7. In response to her communication, we spoke with Ms*** on October 12, and advised that a refund check for the remaining balance is being mailed to her address Ms*** should receive this check within business days. Ms*** has been provided 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 activation of her NetSpend 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 Account package and is visible to consumers prior to purchase. Our package also informs the buyer that the person activating the card must be at least years of age and that this is not a gift card. On January 4, 2017, Ms*** contacted us to activate her card account. She wanted to use the funds on the card but did not provide any information for the card account. We converted Ms*** card account to ‘Limited Use’ which allows her to spend the funds using in store purchases or PIN based transactions. Once the funds are used the card can be discarded as it cannot be reloaded. Our Customer Service Agent converted the card but forgot to remove the temporary account block so Ms*** could not activate the card for use. Ms*** called back on January 7, so we could assist her with the card activation. Later that day, she used the card for an in store purchase for the full amount. A member of our Corporate Response Team reached out to Ms*** on January 9, but have not had the opportunity to speak with her. We emailed Ms*** confirmation that our records show she was able to use the card for purchases. We closed the card account with zero funds remaining. 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 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 *** ***Mrs*** states that she is the sole account holder of her NetSpend account and has never received deposits for her ex-husband to her accountMrs*** is requesting access to her remaining funds, and wishes to have her account reinstated in efforts to receive future deposits to her accountAs mentioned in our earlier response, Mrs*** previously received deposits from the Social Security Administration (SSA) as a beneficiary for Mr***SSA notified NetSpend that Mr*** was deceased as a result of her being his beneficiary in the pastConsequently, her initial account was closed, and the deposit that was received after the date of MrAdam’s passing, was returned to the US TreasuryAs a result of the deposit being returned back to the SSA, Mrs*** will have to inquire about the status of the deposit from themThe remaining funds on Mrs***’ closed account have been mailed to her address on fileShe has since obtained a new account on June 17, and has received her deposits from the SSA since July 1stNetSpend regrets the inconvenience Mrs*** has experienced while attempting to access her funds She has 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 that
he’s experiencing when attempting to contact our customer service about his
disputes claimHe’s requesting a refund for the disputed items. On
November 8, 2015,
Mr*** disputed six transactions that occurred between August
30th and November 2nd against the merchants, CC *** *** *** ***. When Mr*** spoke with
customer service, he was informed that an update would be provided on the tenth
business day, November 23rd. On
November 11th, our Disputes Department provided an update that Mr
***’ claim was still under investigation and a provisional credit was issued
The claim can take up to days from the creation date to finalizeIf Mr
***’ claim is successful, no further action will be required since he has
already received the provisional credit for the disputed amountWe
reached out to Mr*** by telephone and email on November 16th. We have not had the opportunity to speak with
him, but will address his concerns when he returns our call. We apologize for any extended hold times he’s
experienced while trying to speak with customer service. It is always are intent to provide adequate
staffing to handle our call volume, and to provide the best service possible. NetSpend understands that the disputes
process is lengthy, and we appreciate Mr***’ patience as we attempt to
retrieve his 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

Complaint: ***
I am rejecting this response because:
The response from Netspend of the timeline and what occured is inaccurate and a complete lieThey did not do a routine monitoring on June I did not call due to a temp restrictionThey did not request documents at this timeI did not call days later on June and report the card stolenI did not report on January unauthorized transactions.I called initially because my balance showed unauthorized chargesThey advised me to change my pinSo I didLater my wallet was stolenBut the charges were never dealt with from my first callThey closed my account and I was never able to access it again because I didnt know my card number due to my wallet beig stolenI didnt have an id, ssn or anythingI had to order new ones and yet I could never produce a piece of mail showing the address I had when I ordered the card for my tax returns.They are fabricating lies to cover their own assThey are stealing my hard earned money and I want it back nowThis has gone on way too longThis company should be shut downI intend to get back every cent that is mine!
Regards,
*** ***

To Whom It May Concern:We
received complaint # *** filed with
your office by *** *** concerning the remaining funds on her late father’s
NetSpend cardShe’s requesting for the funds on her father’s account to be
released to her, and to be compensated for the inconvenience that
she’s
experienced with NetSpend.We are sorry to learn of Ms***’s
father’s passing Her documents have
been reviewed and are approved for her father’s funds to be released to herOn
November 2, 2015, we attempted to reach out to Ms*** by telephone and
e-mail so that we can validate the address that the check should go toWe have
yet to speak with her, but have left messages with our contact informationWe
apologize for the inconvenience that Ms*** has experienced while
attempting to obtain the funds from her father’s accountWe will await her to
contact us so that we can ensure that all of her concerns are addressed.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 her account was blocked in error and the manager would not correct the mistake by unblocking itShe wants it unblocked so she can gain access to her fundsOn July 7, 2015,
we spoke with Ms*** about the unfortunate blocking of her NetSpend cardShe received the replacement card the day before and gained access to her fundsWe apologized for the misinterpretation of her intent on June 30th by our representativeThe previous card was blocked as compromisedPer our policy, we do not unblock cards marked under this status due to possible continued misuseWe are sending her a letter explaining the card blockage so she can present to her creditors that she could not pay on timeShe will notify us later of any late fees she incursNetSpend regrets the inconvenience that Ms*** experienced as a result of her card being blockedShe has been given my contact information should she have any further 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 a PayPal instant transferOn June 17, 2016, Mr*** attempted an instant transfer from his PayPal account to his PayPal Prepaid MasterCardThe transfer failed because our system was
experiencing technical difficultiesThe transfer feature was functioning again on June We spoke with Mr*** on June about his PayPal transfersWe apologized for any inconvenience he experienced during the service interruption and reimbursed the monthly fee back to his account.We provided Mr*** 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 she experienced with activating her NetSpend 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 On March 29th, I spoke with Ms*** to address her concerns and explain the terms and conditions for what’s required in order to be able to activate her prepaid card for useShould Ms*** send the documents requested in order to activate her card, I will be glad to assist her.NetSpend regrets the inconvenience that Ms*** experienced while attempting to activate her 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