Realcor Developments Ltd.

To Whom It May Concern: Thank you for forwarding Ms***’ complaint to usAs you requested, we addressed this matter directly with Ms*** on January 30, by way of telephone, e-mail, or letterIf a letter has been sent, it should be received within the next five business days
Thank 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

Tuesday, February 27, 2018To Whom It May Concern: Thank you for forwarding *** *** 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 *** *** by telephone on February 22, 23, and 27, 2018, but unfortunately, we were unable to speak with her. We emailed *** *** the actions taken to resolve her concerns. *** *** returned our email correspondence requesting no further communications from Netspend. Thank you for bringing this matter to our attention.Thank you,
*** ** ***Customer Experience Specialist Netspend, a TSYS Company

To Whom
It May Concern:We received complaint # filed with your office by *** *** concerning a pending charge on
her card that was cancelled with the merchant. She’s requesting the pending transaction to be released back into her
account immediately. On October 28,
2015, a transaction
from *** in the amount of $was charged to Ms***’s cardShe
contacted our customer service to report the transaction as cancelled by the
merchant. We requested documentation
from the merchant to validate the cancelled transaction.. We received acceptable documents on November
2nd, and the funds were released back to Ms***’s card
balance. Releasing this transaction is
not a void or cancellation of the original transaction. If *** collects the funds later,
Ms*** has the options to either work with the merchant to retrieve her
funds, or file a dispute through NetSpend. NetSpend
regrets the inconvenience that Ms*** experienced while attempting to
resolve the pending transaction from ***. She has been given our contact information should
she have any further 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 dispute claimOn March14, 2016, Ms*** contacted us to dispute several unauthorized transactions that posted to her accountWe immediately blocked her card to prevent further
unauthorized useWe opened a dispute claim and began our investigationWe also informed Ms*** of the investigation timeframes afforded to financial institutions, under Regulation E, for new accountsWe concluded our investigation on April and no credits were issued because we were unable to determine an error occurredWe have reason to believe that the transactions were authorized and that Ms*** benefited from the disputed transactionsUpon receipt of her complaint to the Revdex.com, we attempted to contact Ms*** on April but have been unable to speak with herThe documentation involved in our investigation will be emailed to herWe apologize for the service that Ms*** experienced with our Customer Service DepartmentWe have reported this incident to the management staff of the customer service agents and supervisor she spoke withMs*** has our contact information should she have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Wednesday, December 21, 2016To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning a block on her Card Account. On December 18, 2016, Ms*** contacted us to activate her PayPal Prepaid MasterCard Card Account Our system recognized that
she had a previous negative balance and we automatically blocked the Card Account until the issue could be resolved In response to her communication, we attempted to contact Ms*** on December 21, but we were unable to speak with her That same day, our Recoveries Team removed the block from her Card Account, and Ms*** can now access her funds As a courtesy, we issued a credit to Ms***’s account due to the inconvenience.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. Thanks,*** *** Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning her dispute claim. On March 21, 2016, Ms*** contacted us to dispute several unauthorized transactions that posted to her account We immediately blocked her card to
prevent any additional unauthorized use We opened a dispute claim and began our investigation. On April 4, we concluded our investigation with no credit being issued to Ms***’ account because we were unable to determine an error occurred We have reason to believe that the transactions were authorized and that Ms*** benefited from the transactions A letter explaining the dispute decision has been mailed to the address on file.We understand how frustrating it can be to experience unauthorized charges on your accountNetSpend is very committed to providing a safe and secure product.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 additional comments on complaint # *** filed with your office by *** *** concerning a block on his account that prevented him from using the cardOur Fraud Prevention Team regularly monitors account activity in order to provide a safe and secure product for all of our cardholdersOn December 30, 2015, a systemic block was placed on Mr*** account by our Fraud Prevention Team. The exact reasons for the block are kept internal for security. The account was notated, asking for Mr*** to provide identity documents. The required documents were not received from Mr*** to remove the block from his account. Mr*** spoke with a member of the NetSpend Corporate Response Team on February 24, and requested to close his account. A check for his card balance was mailed 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 concernsThank you, *** ** *** Corporate Customer Response Team NetSpend A TSYS Company

Friday, March 23, 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 have reviewed Ms*** dispute claim and we’ve determined that his claim is being handled correctlyAs you requested, we addressed this matter directly with Ms*** on March 23, by telephoneWe emailed Ms*** the details outlining our actions to resolve her concernsShe is going to email us additional details pertaining to her dispute claims to assist with our decisionThank 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 the inconvenience she experienced while trying to receive her direct depositShe felt inconvenienced when Netspend asked her to send documents to verify her identity, and is requesting
access to her funds in addition to an apology for the inconvenience that was experienced with our customer service 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 themIn the event that we are unable to verify the information initially, we will request documents to assist with approving the account.Ms*** attempted to activate her NetSpend card on December 2, Additional information was needed to fully activate her account, and our customer service requested for identity documents to be sentOn December 16th, Ms*** had a direct deposit arrive to her account that was not accepted as a result of not receiving the requested documents. I attempted to contact Ms*** between December 16th and the 21st to address her concerns, and attempt to receive the documents requested documents to approve her accountMs*** responded to me via email, but has yet to send the requested identity documentsI contacted her by phone, however she has not contacted me back. NetSpend regrets the inconvenience that Mr*** experienced while attempting to fully activate her card 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: Thank you for forwarding Mr*** complaint to usAs you requested, we addressed this matter directly with Mr*** on April 12, 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: Nothing was done wrong on my partThey closed the account due to no fault of my own and have been holding onto my money for monthsI need this resolved!
Regards,
*** ***

Wednesday, December 13, 2017To Whom It May Concern:Thank you for forwarding Ms*** ***’s 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 December 13, by telephone and by email, but unfortunately, we were unable to speak with herWe sent an email to Ms*** outlining our actions to resolve her complaint. Ms***’s case has been assigned to Corporate Response Team Analyst, ***. Should Ms*** contact our Customer Service Department, we have left notes on her account for her to be connected with *** to further assist her with this 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

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Ms*** states that her account was closed without notice because the secondary cardholder was deceasedShe’s requesting for the account to be reopened, or for NetSpend to agree to pay for late
chargesOn August 21, 2015, our Risk Department closed Ms*** account after receiving notification that the secondary cardholder on her account was deceasedPer NetSpend’s policy, in the event that a primary or secondary cardholder is deceased, the account must be closedWe’ve attempted to contact Ms*** in efforts to further address her concerns, and set up a new account if interestedWe haven’t had the opportunity to speak with her, but will await her response.NetSpend regrets the 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 concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: ***
I am rejecting this response because: Again, a lot of crap!! These people are the must double talking people that I have ever dealt with!! How am I not "eligible" to get my money back? I initially opened this case with netspend on June and was told I believe a July 10th date not I am being told that I have to wait until August? That is the most craziest thing that I have ever heard in my life I have been patient with netspend and it is still the same thing with themI feel that they are only trying to make more and more excuses to do avoid resolving this situation When I spoke with *** he told me that he was going to speed up the process but instead of speeding up the process he has slowed the process down Revdex.com I do not understand why this so called company is still in business let alone have the rating of "A" I have done my research on this company and every single review that I have came across were nothing but negative reviews hundreds of customers have complained about this company and have dealt with this same situation that I am currently going through with them I have never had to file a dispute with them for anything before until this time and I have received nothing but beyond horrible customer service I even reached out to the Vice President of the company in regards to this situation and he has YET to respond All I want is my money back for a product that I have never received, which I have provided them with the documentation that they have asked for and I am STILL waiting Any other company that I have dealt with in the past has NEVER took this long to respond to an dispute NORMALLY it's dealt with the SAME day that the claim is filedAgain, I stand by my initial claim of not understanding why this company is even in business and they have proven that they are not resolve ANY issues that are presented to them If nothing is done within the next few days I will take to the all media outlets as well as look into suing them for not only the initial amount but also for punitive damages
Regards,
*** ***

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning a transaction on his account. On July 7, 2016, we received an authorization request from Direct TV to hold $Later that same day, Mr*** contacted us and reported that the order
was cancelledWe requested Mr*** to provide us with documentation from the merchant that would confirm the cancellation of the transaction in order to release the funds, or the pending charge should release within days.If a cardholder requests a release before we receive the merchant’s settlement request, we require written confirmation from the merchantWe request confirmation for the protection of our cardholders as well as merchants who, having received authorization for a transaction, have the right to collect for legitimate transactions.Our Corporate Response Team reached out to Mr*** on July to assist with his transactionWe did not receive documentation confirming the order was cancelledWe contacted Direct TV with Mr*** on the phone, and confirmed that the pending transaction would not be collectedAs a result, we released the pending transaction back into Mr***’ available balance. We have provided Mr*** with our contact information should he need any further assistance Thank 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 dispute on her accountOn March 7, 2016, Ms*** contacted us to report an authorized transaction that occurred on October 28, 2015, because she did not receive a refund from the merchantWe immediately opened a dispute claim and began our investigationWe also informed Ms*** of the investigation timeframes afforded to financial institutions, under Regulation EWe concluded our investigation on March 19, with no error found and no credit being issued to Ms*** accountThe claim was filed outside of the timeframe to dispute a transactionWe provided Ms*** with the documentation used in our investigation on March and again on April 11.Upon receiving Ms*** complaint, we reached out to her on May to discuss her claimAfter a reinvestigation of her disputes claim, we reached the same conclusion of no error foundWe have provided Ms*** with our contact information should she have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Tuesday, August 23, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning the fees associated with his NetSpend cardOn October 31, 2015, Mr*** received and activated his NetSpend cardAn Automated Clearing House (ACH) deposit from
PayPal in the amount of $posted to his account on November 4, 2015, and the Refer-A-Friend Bonus for $was applied to his account balanceSince Mr*** initial direct deposit, there was no other account activity for ninety daysDue to the inactivity, an account maintenance fee of $was deducted on February 4, The monthly maintenance fee continued to be assessed in accordance with the card terms and conditions, until Mr*** contacted us on August Our Customer Service Department advised him of the maintenance fees associated with his account, and that the fee will be waived as long as there is account activityIn response to this communication, a member of our Corporate Response Team reached out to Mr*** on August 19, but unfortunately, we have not had the opportunity to speak with himAs a courtesy, we refunded all of the account maintenance fees deducted from his accountMr*** used an ACH debit to PayPal to withdraw the funds on his account on August We have provided Mr*** with our contact information should he have any additional questions or concernsThank you, *** ** *** Corporate Customer Response Team NetSpend A TSYS Company

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a pending transaction on her Card Account On February 25, 2017, we received an authorization request from the merchant, Kay Jewelers, on Ms*** Card AccountMs***
contacted our Customer Service Department on the same day, and reported the transaction was cancelledWe requested Ms*** to provide us with documentation from the merchant that would confirm they would not be collecting on the transaction in order to release the funds back into her available balance. If a cardholder requests a release of a pending transaction before we receive the merchant’s settlement request, we request written confirmation from the merchant advising that the transaction will not be collected. We request confirmation for the protection of our cardholders as well as merchants who, having received authorization for a transaction, have the right to collect for legitimate transactions A member from our Corporate Office spoke with Ms*** on March 8, 2017. We released the pending transaction back into Ms*** available card account balance. Our records confirm Ms*** has access to her funds We have provided Ms*** with our contact information should she have any further 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 block placed on her account On January 7, 2016, Ms*** contacted us to activate her temporary cardOur Customer Service Department activated her card and requested a personalized card
to be mailed to Ms***’s address on fileOne month before the temporary card was scheduled to expire; we placed a temporary block on the account to notify Ms*** to activate the personalized cardUpon receipt of her complaint, we reached out to Ms*** on June 13, but unfortunately, we did not have the opportunity to speak with herThe temporary block has been removed from Ms***’s account and instructions on activating the new card have been sent to her via emailMs*** has been provided with our contact information should she 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
Regards,
*** *** NetSpend called on 1/11/and offered to return monies directly to Walmart for us to receive at the Walmart location. They said they had sent a current card for *** *** with the full face amount of $100, but that the letter was returned to them as undeliverable. We have never had a problem with our mail and have had the same address since moving here in September 2013.....*** ***, Alleghany Road, Corfu, NY 14036. We are senior citizens and my husband was not comfortable with the idea of going to Walmart and identifying ourselves to receive a refund directly from Walmart??? Consequently, NetSpend agreed to mail us a full refund check of $to our address as above within business days. We will advise our mail carrier to be sure that mail from NetSpend is delivered...we have rural delivery. We will be very satisfied with this resolution when we receive the check within the next business days from 1/11/18. Thank you so much for your assistance with this resolution. Sincerely, *** *** (for *** ***, my husband)