Realcor Developments Ltd.

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
Netspend refunded the amount this morning to my account
Regards,
*** ***

To Whom It May Concern: Thank you for forwarding Ms***’s complaint to usAs you requested, we addressed this matter directly with Ms*** on May 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

To Whom It May Concern: We received additional comments on complaint # *** filed with your office by *** *** regarding her request to be reimbursed for fees incurred on a card that she received as a giftOn January 5, 2016, we spoke with Ms*** and addressed her concernsShe informed us that she did not read the NetSpend packaging that comes with the card, and was unaware of the feesI explained how our product works as well as the fees associated with her cardI’ve reimbursed Ms*** for fees that were incurred on her account as a courtesyMs*** has our contact information should she have any additional questions or concerns. Thank you, *** ** *** Corporate Customer Response Team NetSpend A TSYS Company

Friday, November 11, 2016To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning her dispute claim On November 5, 2016, Ms*** contacted us to report unauthorized transactions that occurred on her account We promptly blocked her
card to prevent further unauthorized use and advised her to contact us once the transactions settled to open a disputes claim Ms*** contacted us back on November and we opened a disputes claim and began our investigationWe also informed Ms*** of the investigation timeframe afforded under Regulation E In response to her communication, we spoke to Ms*** on November 11, and explained the dispute process We completed our investigation and reimbursed her for the full amount of the unauthorized transactions As a courtesy, we also reimbursed the overdraft fee she was charge. Ms*** has been provided 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 *** ***Mr*** mentions unsuccessful attempts to subscribe to the Fee Advantage PlanHe wants to be reimbursed for all the fees he incurred while using his cardOn August 26, 2015, we spoke with Mr
*** concerning the fees on his Brinks Prepaid MasterCard managed by NetSpendWe credited his remaining fees minus the $monthly cost for the Fee PlanHe was satisfied with the resolutionHe now has more access to the online website www.netspend.com where he can update and make changes to his account featuresNetSpend regrets the inconvenience that Mr*** experienced with selecting the Fee PlanWe have provided him our contact information should he have any additional questions or concernsThank 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 January 09, 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

Complaint: ***
I am rejecting this response because: Someone need to pull my December statement history on my Netspend account if not or can't I'll have the Maryland Attorney General Review Netspend policies anyway or the Consumer Protection Bureau
Regards,
*** ***

Thursday, February 16, 2017To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning the block placed on her Card Account. On January 26, 2017, Ms*** requested a Netspend Prepaid Card Account while filing her taxes On January 28, we
placed a temporary restriction on Ms*** Card Account due to high risk factors that were identified In order to remove the restriction, we requested Ms*** to provide us with copies of her documents to verify her identification.In response to her communication, a member of our Corporate Office reached out to Ms*** on February 15, 2017, regarding the temporary restriction on her Card Account We informed her through email that her documents were received and approved on February The restriction was removed later that day and she activated her new card We have provided Ms*** with our contact information should she have any additional questions or concerns Thank you,*** ** ***Corporate Customer Experience TeamNetspend, a TSYS Company

Complaint: ***
I am rejecting this response because: First off the representative I spoke with has been ignoring my emails, at which she informed me that both disputes where filed incorrectlyShe provided a credit for $for just one of my disputesShe did apologize for the inconvenience but the issue is still ongingMs.*** *** has not been responding to my emails in regards to my final disputeAs I provided her my written notice of dispute letter's requested of me for my final dispute of She is not responding to my emails as she informed me to email additional documents to her emailShe order a new debit card b\c my cards were cancelled days after my disputes was filed at random time frames The card was order feb rush 2~business days the card has not arrived yet business days later, leaving me no access to my fundsThe company is not following there Reg E guildlines there are not providing, nor informing the customer with the written notice dispute letter that needs to be sent in, and then deny the provisional credit because of itThere not a honest company and all my funds are still tied up for the b\c I received a letter stating they never received the written notice at which I sent to *** ***She will not respond to me recent emails which she requested, she has been ignoring me sence feb 23, with no response
Regards,Documents exhibit A,B,CADispute notification letter for transaction at which my provisional credit was suppost to be provided feb24, company stats they never received.B.Example of what they send the customer after not informing them that they need to send in a written dispute notice in order to receive your provisional credit C.Example of the Notice's we keep receiving as customer after the company informs you U dont need any additional information, and then deni your provisional credit b/c you never sent the written dispute.
*** ***

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning his pending transaction. On December 2, 2016, Mr*** contacted our Customer Service Department to report that his card account transaction with Auto Rent
Less had been declined and he wanted the funds returned to his available card account balance. We informed Mr*** to send in documentation that showed the merchant did not intend on collecting the funds. If a cardholder requests a release before we receive the merchant’s settlement request, we require written confirmation from the merchant. This requested confirmation is for the protection of our cardholders as well as merchants who, having received authorization for a transaction, and have the right to collect for legitimate transactions In response to this communication, a member of our Corporate Response Team spoke with Mr*** on December 14, to explain why the documents he sent were insufficient to release the transaction. As a courtesy the funds were released to his card account balance. We informed Mr*** that if the merchant mistakenly collects on the original transaction, he will need to dispute the transaction in order to recover the funds. NetSpend’s release of the pending authorization is not a void or cancel of the charge. We 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 a merchant billing dispute and the poor customer service he experienced Mr*** disputes claim was initiated on March 4th, A provisional credit was not issued as a result of
the disputes claim typeThere were other charges from the merchant in question that were supposed to be added to the original claim, but a second claim was opened on March 30thOur Disputes Team further reviewed the account and combined the charges onto the initial claim Mr*** will receive an update on for the claim by April 18thIf Mr*** claim is successful, we will credit the full amount back to his account On April 6th, I spoke with Mr***, and his sister on his behalf, to explain the corrections that have been made to his dispute claimI am also in the process of listening to the conversations Mr*** had with our customer service agents to provide any necessary coaching in order to avoid situations like this in the future.We understand that the disputes process is lengthy and we appreciate Mr***’s patience as we attempt to retrieve his money 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

To Whom It May Concern: Thank you for forwarding Mr*** complaint to usAs you requested, we addressed this matter directly with Mr*** on September 6, by way of email. If 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

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning two cards she purchased to give as gifts that could not be activated. She’s requesting a refund for the money loaded to her cards. 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 them. This information can be found on the outside of our card packaging. In addition we inform the customer on the front of the package this is not a gift card. On January 8, 2016, we spoke with Ms*** and addressed her concerns about the cards. Now that the cards are activated, they can be used as instructed. NetSpend regrets the inconvenience that Ms*** experienced while attempting to fully activate her cardsWe 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 the instant transfer feature on his *** Prepaid MasterCard accountOn May 12, 2016, Mr*** lynced his *** Prepaid MasterCard to his *** accountMr*** instant transfer
feature was not available because his personalized card was not activated yet.Upon receiving his complaint, we reached out to Mr*** on May 18, but unfortunately, we have not had the opportunity to speak with himOn May 24, Mr*** activated his personalized card and completed an instant transferWe regret to hear that Mr*** was unable to reach our Customer Service DepartmentOur automated phone system does provide an option to speak with a live agent.We have provided Mr*** with our contact information should he have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Friday, June 16, To Whom It May Concern: Thank you for forwarding Ms*** *** complaint # *** to usAs you requested, we addressed this matter directly with Ms*** on June 15, by way of telephoneWe emailed Ms*** the details on her account on June 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

Wednesday, May 17, To Whom It May Concern:Thank you for forwarding Ms*** ***’ complaint # *** to usAs you requested, we addressed this matter directly with Ms*** on May 11, by way of telephoneHer dispute claim was closed with no error found on May We emailed Ms
*** the merchant validation documents on May A review of her claim determined it was handled appropriatelyThank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concernsThank you, *** ** ***Customer Experience Specialist Netspend a TSYS Company

Complaint: ***
I am rejecting this response because: Technically, my response is not a rejectionI did receive my debit cardBut the fact remains, I went for about three weeks without one and was unable to access my bank accountCouldn't pay all my bills or pay my rent on time, not to mention use it to buy food or medicineI had to borrow cash from five or six people I knew, and it was embarrassing and a lot of troubleI don't make a lot of money & adhere to a strict budget and having to do this threw me for a loop This did not have to occurI should not have had to complain to anyone outside of net spendBut when I emailed and called net spend, they did not follow up on my complaintI never did receive a response from them about whether they I were going to mail me a new card or whether they weren'tWhat does one do when you have .a bank account that your bank essentially stops you from using? And you keep contacting the bank and they either don't reply to your emails or give an inadequate replyOr they put you on hold for minutes on the phone while they go get a non-existent "supervisor?" I called the policeI regarded netspend's behavior as nothing short of criminalEssentially what they were doing by not giving me a debit card was keeping my bank account for themselves and away from meAnd it was MY moneyThe police advised me to contact consumer finance.com - - the federal governmentThe feds said, go online and file a written complaint, but that it would take several weeks to be resolvedJust as I was on the verge of doing that, I did internet searches, saw this Revdex.com web site and communicated with net spend through itNet spend: why do you make your customers go outside your bank with their problems? Why can't you handle customer needs yourself? Another part of the problem I had with net spend was that the telephone operators and the people answering my emails through the net spend web site were foreignersI must have talked on the phone to five or six; there were two whose English pronunciation was so poor, I had to keep asking them to repeat themselvesI would spell out my address to them, they would spell it back - - all wrongOn top of that, I don't think most of them basically grasped the nature of my problem wasAgain, poor English factored itOne of the emails I got in response to the written demand I repeated over and over - - send me another bank card! - - was phrased in a way as to make me aware that the responder's first language was not English.My struggle with net spend - - which I regard as serious but they apparently do not, it is a routine occurrence for them - - shows what is wrong with our country todayIt shows why people like Donald Trump and Bernie Sanders are doing so well in the presidential primariesFirst, corporate entities like net spend have shipped jobs to foreign countries because they regard employees, not as assets who add human worth to a company, but as liabilities that subtract from corporate profitsTherefore, they want to pay their workers as little as possibleThis is easier to do with foreignersSecond, corporations don't want to even pay for supervisors for these low-level workersInstead, that cost is shifted onto outsiders like the government and the Revdex.com.Net spend is proof that strict regulation is in order for our nation's banking industry, and the whole financial sector for that matterToo much greed at the topToo much disregard - - a hatred, even - - for the average personThis must come to an end, not in the future, but nowJ.M. ' supervisors - - the net spend phone bank evidently has noneSo when a consumer has a problem requiring intervention from a supervisor, net spend shifts the burden of that responsibility onto the governmentThe government ends up paying for something they don't want to pay forThird,
Regards,
*** ***

To Whom It May Concern: Thank you for forwarding Ms*** ***’ additional comments to usAs you requested, we addressed this matter directly with Ms*** on October 31, by way of e-mail. On October 09, we mailed Ms*** a refund check for her remaining account balance to the address on fileOur records confirm the oringinal check has been cashed and not returned back to us. We emailed Ms*** a copy of the check and provided her further insight on the accounting processIf 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 concern Thank you, *** *** Customer Experience Specialist Netspend, a TSYS Company

Complaint: ***
I am rejecting this response because: The representative, Mr*** *** did not state actual facts in regards to the point of contact initiated by *** ***His response to the Revdex.com was poorly summarized and did not the reflect the exact conversation held by him and I via telephoneHowever, I was notified by him that there were no accounts at NetSpend in my name and only my email address was being used, which to this day does not make senseIf NetSpend's way of communicating to the Revdex.com is in writing, then their responses should reflect the conversations made with customers
Regards,
*** ***

To Whom It May Concern: Thank you for forwarding Ms*** ***’s additional comments regarding complaint *** to us As you requested, we re-reviewed Ms***’s dispute claim and determined the investigation was handled correctly. A letter detailing the results of our investigation will be emailed to Ms***’s address on file. She should receive this letter within business days We attempted to reach Ms*** on September 21, and 25, by telephone, but unfortunately, we were unable to speak with herThe email we sent on September 15, outlined our actions to resolve her complaint and provided further insight on the dispute resolution processMs***’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