Realcor Developments Ltd.

Tuesday, May 3, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning her blocked accountOn April 26, 2016, we received a Letter of Indemnity from Discover Financial Services requesting funds to be returned to them. Due to the
nature of the request and identified risk factors, Ms*** account was closed and she is no longer eligible for products managed by NetSpend. A check for the remaining funds on Ms*** account was sent to the originator of the deposit. Upon receiving her complaint, we contacted Ms*** on April regarding the closure of her account. We also explained that her deposit was returned back to the originatorWe 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: I am unable to contact company from 8a to 5p mon through friday to speak with representative *** Card number was provided in complaintPlease destroy all information associated with that cardThis is all I askThankyou *** ***
Regards,
*** ***

Complaint: ***
I am rejecting this response because: I did not report my card lost or stolen, in fact I told netspend not to do so because it was linked to other accountsBut they didnt listen They release funds back into my account making these fund availible to meWhen ***s tryed to retrieve them at this later date it should of been denied because of the balanceBut netspend took it upon themselves to override my account and approved it on a balanceThen when I asked them why they approved it they reported my account lost or stolen an put a hold on the cardCausing me to lose several items that I won on auction on ebay that I can not replaceAlso by not being allowed to purchase these auction winning on my paypal that was linked to this card I was suspended for unpaid items Mr *** is not being truthful and is only trying to cover it upNetspend took complete control over my account and was neglagent in handling my account and I hold them 100% responsible for there actions ,especially the neglagent way they went about covering it up with there lies ,and verbal abuse they even went as far as using bad language over the phone and even offered me dollars to make the situation go awayThey still owe me a balance that was submitted to Mr*** , I even gave him a chance to call me and discuss the matter in which he DID NOTI NEVER ASKED FOR THE DOLLARS BACK OTHER THAN IT BEING PLACED IN THE AMOUNT IM SEEKING FROM NETSPEND ,MR *** decided on his own will to refund the dollars and stated it was a courtesyWhy would netspend give a refund back of dollars if its true what Mr*** is statingThats vecause its not true and Mr*** thought by issuing the refund that it would hush things and get me to drop my claimMr *** and Netspend have been nothing but dishonest and neglagent with me and my account
Regards,
*** ***

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a NetSpend Prepaid MasterCard she received in the mail NetSpend 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 us The 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 activated On February 8, 2017, Ms*** contacted us and declined the Card Account offer. We have also removed Ms*** name and address from our mailing list and she should not receive any future offers from any NetSpend managed programs. We have submitted a request to our Marketing Department to provide information concerning how their name and address were obtained. We will provide this information to Ms*** when it becomes available 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 so that proper coaching can be provided concerning the appropriate response procedures We have provided Ms*** with our contact information should she have any additional questions or concerns. Thank you, *** *** Senior Customer Experience Specialist Netspend, a TSYS Company

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a previous account with a negative balance that is preventing the activation of her new cardShe’s requesting information on the older account and to activate her new card. On
February 23, 2016, we spoke with Ms*** and addressed her concerns. We emailed her the account history showing the transactions that occurred on her other account resulting in the negative balance. Our Recoveries Department removed the block from her new PayPal card and she activated it for use the same day. NetSpend regrets the inconvenience that Ms*** experienced while activating her new cardWe 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 a transaction on her account On June 6, 2016, Ms*** authorized a transaction with *** *** ***On June 7, Ms*** contacted us because the transaction was
still pending and she mentioned that the correct transaction amount posted to her account through a separate transactionWe requested documentation from the merchant stating they will not be collecting the fundsOn June 7, we received the document but it was not sufficient to release the pending hold.Upon receipt of her complaint, we contacted Ms*** on June to discuss the pending transactionWe contacted the merchant and they confirmed they will not be collecting the pending fundsWe released the hold and advised Ms*** that this is not a stop payment, or cancellation of the transaction.We have provided Ms*** with our contact information and she he need any further assistance Thank you,*** ***Corporate Customer Response TeamNetSpend A TSYS Company

To Whom
It May Concern:We received complaint # *** filed with your office by *** *** concerning the disputes claim
that he opened for an unauthorized transaction that was made on his
account. He’s requesting to be refunded
for the unauthorized transactionsOn July 6, 2015, Mr
***
reported an unauthorized transaction that occurred on his NetSpend card for
$from *** ***. We
informed him that an update would be provided within ten business days, July 20th. On the tenth business day, our Disputes
Department closed the claim with no error found on the disputed transaction,
and no funds were reimbursed to the account. On the same day a letter was mailed to him with the results of our
investigation. We reached out to Mr
*** on November 9th by telephone and email. Unfortunately we have yet to speak with him,
but will address his concerns when he contacts us back. We have requested for our Disputes Department
to mail Mr*** the documents that support the claim decisionNetSpend
regrets the inconvenience that Mr*** experienced as a result of the
disputes claim decisionWe 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 error was made by an employee because she disputed my last transaction of $and the money in the amount of $that was transferred to my temporary card ending in ***I did not benefit from the money that was stolen from meI am still in danger of losing my children if I do not get this business handledI am asking that this claim be reinvestigated and handled appropriately.
Regards,
*** ***

To Whom It May Concern: We received complaint # *** filed with your office by *** *** **concerning transactions on his Skylight Financial account In response to this communication, a member of our Corporate Response Team spoke with Mr*** on October 3, 2016, and
informed him about the transactions on his account and provided him with his available balance. After reviewing Mr*** transaction history with him, he confirmed there are no missing funds If Mr*** believes there is an unauthorized transaction or a billing error on your account, we can assist him with opening a dispute claim for any of the transactions 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, October 13, 2016To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning her dispute claim. On August 24, we placed a temporary restriction on Ms*** account, because we detected suspicious login activity Ms
*** confirmed that she was not trying to access her account online and we restricted her online access.On September 28, 2016, Ms*** contacted us to report that someone performed an unauthorized transfer of her funds to another NetSpend accountWe promptly opened a dispute claim and began our investigationWe informed Ms*** of the investigation timeframe afforded under Regulation EA block was also placed on Ms*** account to prevent any additional unauthorized transfers. On October 13, we concluded our investigation with no credit being issued to Ms*** account because we did not find an error occurred After additional review, we issued full reimbursement for the disputed transaction back to Ms*** available balance Due to risk factors that were identified during our reinvestigation, Ms*** account was closed on October and she is no longer eligible for products managed by NetSpend A refund check for Ms*** available balance has been mailed to the address on file She should receive this within 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 TeamNetSpend A TSYS Company

I had sent them every document they ask me for right after I got off the phone with them on March /1/around 6:02pm the supervisor I spoke to told me that around 1:00pm on March /2/the account would be unblocked and I would have access to my money using my sister card but instead they took there time to review my documents and the so called time expired so they rejected my money and sent it back to the IRS and I called the IRS as well and they or not going to put the money back into the account and I have to wait longer for my money

Wednesday, March 15, 2017To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning his transfer of funds On March 13, 2017, Mr*** disputed an unauthorized transaction that occurred on his Card Account through the online account center
We immediately blocked the compromised card to prevent any further unauthorized use and ordered a replacement card We promptly opened a dispute claim *** and began our investigation We also informed Mr*** of the investigation timeframe afforded under Regulation E Mr*** activated a new Card Account on March 14, and he contacted us to transfer the funds from his previous Card Account As a security measure, the funds transfer feature is restricted on new Card Accounts to protect our cardholders from unauthorized transfers We advised that Mr***’s Card Account will need additional review to see if the transfer restriction can be removed The transfer restriction was removed later that night and the funds were transferred to Mr***’s new Card Account A member from our Corporate Office reached out to Mr*** on March 15, but unfortunately we have not had the opportunity to speak with him We provided further insight about the transfer of funds via email We are sorry to hear that Mr*** had a bad experience with our Customer Service Department We have reported this incident to the management staff of the customer service agents he spoke with to ensure that they receive appropriate coaching on our policies and procedures. Mr*** has been provided our direct contact information should he have any additional questions concerning this matter Thank you,*** ** ***Customer Experience Specialist Netspend, a TSYS Company

To Whom It May Concern: Thank you for forwarding Ms***’s additional comments to us. As you requested, we addressed this matter directly with Ms*** on November 21, by way of email. We informed her that our claim decision remains the same. Our review determined that Ms***’s claim was handled correctly. 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*** *** complaint # *** to us 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 We attempted to reach Ms*** by phone on June 29, July and 6, but unfortunately, were unable to speak with herWe emailed Ms*** outlining the actions we took to resolve her complaint on June and July 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

Complaint: ***
I am rejecting this response because: The Company knew that it was an approved transaction from 11/when I initially called yet they still issued a small credit of $instead of $I tried with the compras soon as it happened and thy said they could not cancel it*** *** was the person who called me to get more detailsSince speaking with him it was escalated to even the CEOs voicemail. They are doing whatever they they want to do at this point bc you do not owe when you surrender the vehicle which is what I didI surrendered the vehicle bc the company was charging 118% per day if lateI told them that day to pick it up and they did not until later
Regards,
*** ***

To Whom It May Concern:We received complaint # *** filed with your office by N*** *** concerning a refund check that her mother *** *** has not received. 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 themThis information can be found on the outside of our card packaging In addition we inform the customer on the front of the package that this is not a Gift Card On January 17th, Ms*** contacted Netspend regarding a prepaid card she received that was mistaken for a gift cardMs*** advised our customer service that she was not comfortable providing her social security number in order to help verify her identity since she has experienced identity theft beforeOur customer service provided options to Ms*** to retrieve her funds and she requested to have a check mailed to her address on file; however, we were not able to verify her address to do so. On March 25th, I spoke with Ms*** and Ms*** to address their concernsI was able to verify her address and provided the option to receive a check by mail or set her card to Limited Use to activate for in store purchases only; disclosing the fees associated as wellMs*** chose to have her card set for Limited Use.NetSpend regrets any inconvenience that Ms*** experienced while waiting to receive 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

April 21, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a pending transaction on his accountOn April 7, 2016, Mr*** attempted a cash advance transaction with UNIVERSITY FEDERAL CREDIT UNION (UFCU)The transaction was
approved in our system, but UFCU advised that the transaction was canceled Mr*** contacted us on April and requested the pending transaction from UFCU to be released. Our Customer Service Department provided the information needed to release a pending transactionOn April 16, Mr*** provided the information we requested to release the hold. The pending funds were released back into his available account balance. We advised that this release of funds is not a stop payment, and if the merchant collects the funds, we can open a dispute against the transactionWe apologize for the poor 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 withWe 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

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning the status of several PayPal accounts he had with us in the past On February 22nd and 24th, 2016, I attempted to contact Mr*** by phone and email, but have not heard back from
him to address his concernsWhen Mr*** contacts me, I will review his accounts with him.NetSpend regrets the inconvenience Mr*** is having with trying to confirm the status of his PayPal accounts We have provided him our contact information should he have any concerns with the products we manage. 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
*** *** was extremely helpful and courteousHe made sure everything was done quickly and to my satisfaction
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
Regards,
*** ***