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 July 13, by way of telephone. 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

Friday, January 26, 2018To Whom It May Concern: Thank you for forwarding Ms***’s complaint to us. Ms*** was unable to activate her Card Account because our system recognized that she is no longer eligible for products managed by Netspend due to a previous Card Account. As
you requested, we addressed this matter directly with Ms*** on January 26, by way of e-mail. We confirmed the card account was closed. Ms*** should receive her refund check within business days. 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.Thank you, *** ***
Customer Experience Analyst Netspend, a TSYS Company

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning his dispute claim. On March 13, 2017, Mr*** contacted our Customer Service Department to report eleven unauthorized charges from Wal-Mart on his Card
Account. Mr*** had already blocked the compromised card to prevent additional unauthorized transactions and we ordered him a replacement card. We informed Mr*** that the transactions were still pending and once the merchant collected the funds we would be able to assist him with a dispute claim. The merchant collected the funds on March 14, and Mr*** contacted us to dispute the transactions. We promptly opened a dispute claim *** and began our investigation. We also informed Mr*** of the investigation timeframe afforded under Regulation E. A member from our Corporate Office spoke with Mr*** on March 17, and explained the dispute process. We informed him that the next update for his claim *** will be available on March 28. Mr*** informed us of details that were not included in his original email sent to the Dispute Resolution Department about his claim. We forwarded the information to that department and will update Mr*** of any changes. Mr*** has been provided with our direct contact information should he have any additional questions concerning this matter. Thank you, *** ** *** Senior Customer Experience Specialist Netspend, a TSYS Company

Complaint: ***
I am rejecting this response because: I was locked up when my card was used& I did file a theft reportI'm still waiting for the club to contact me about the security videos from that night.
Regards,
*** ***

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a refund check On August 1, 2016, Ms*** attempted activate a new Netspend account; however, a restriction was placed on her account due to a previous account. We
identified several risk factors associated with her accountDue to these concerns, we are no longer able to offer her NetSpend services We mailed a refund check to Ms*** address on file on August 4. The refund check was returned back to us on August 29, as undeliverableWe placed the funds back on to the account until we could verify the address Ms*** provided. A member of our Corporate Response Team spoke with Ms*** on October 17, and informed her the check will be resent to her address. We have provided Ms*** with the tracking number for her recordsShe should receive this check within ten business days 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

Tuesday, August 2, 2016To Whom It May Concern: We received additional comments regarding complaint # *** filed with your office by *** *** concerning the closure of her accountWe appreciate Ms***’s additional commentsOn July 22, 2016, we concluded our investigation and no credits were issued because we did not find that an error occurredThe same day our Risk Management Team closed Ms***’s account due to risk factors that were identified during our investigationAs a result, Ms*** is no longer eligible for products managed by NetSpendWe attempted to reach Ms*** again on August 2, but unfortunately, we have not had the opportunity to speak with herOur Disputes Department emailed Ms*** the closure letter and the documents used to arrive at the claim decision on July Ms*** has been provided with our contact information should she have any additional questions or concernsThank you, *** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Monday, October 30, To Whom It May Concern: Thank you for forwarding Mr*** ***’ complaint *** to usAs you requested, we addressed this matter directly with Mr*** on October 27, by way of telephoneWe informed Mr*** by email of our actions to resolve his 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

Tuesday, June 21, To Whom It May Concern: We received additional comments regarding complaint # *** filed with your office by *** *** concerning his dispute claim We appreciate Mr*** additional comments. We have re-reviewed his dispute claim and we confirmed that it was investigated properly. Based on our reinvestigation, we have reason to believe that the transactions were authorized and that Mr*** benefited from the transactions. We have provided Mr*** a letter explaining the reasons for the claim decision 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

Complaint: ***
I am rejecting this response because:
Regards,
*** *** I *** *** have spoken to netspend numerous times after my wife verified her info as well as we were told that they keep meticulous recordsI have spoken to their call centre as well with no issueWe have sent at least three questions to Mr *** and it isn't in till I send another complaint to the Revdex.com that he bothers to respond with MORE stalling techniques like saying we never questioned things, I'm not allowed to discuss this,(then why has he been dealing with me? Even speaking on the phone to meSo if that was policy why did he break it? Also it's not a few specifics, it's a whole range such as we told himLike Amazon's web site lists a certain number of purchases we did, yet when you look at the amount of charges from netspend to Amazon there are FAR more charges listed going outI asked Mr *** to inquire about this and offered to send him the list but have not heard from him in till I contact youHis excuse was a nine day vacationReally, our issue is so not important to them that he couldn't tell us he was going, or put up an auto reply that he was out of office or even hand our case off to someone else? Not this is obviously more of their stallingI don't feel that he's doing ANYTHING but having us do the workMakes sense since they can't even hire people in the US which is crippled under the high unemploymentMy wife worked for a gentleman who was busted for running a scam similar to what seems to be going on here.they are charging outrageous fees without giving you the opportunity to get to your money for freeWells Fargo had it all written down too and that didn't stop them from getting stopped and fixing itI will again contact Mr*** but I advise you to look into these business practicesAlready the conduct and integrity is questionableOne of their own managers lied to me, thier supposed financial officer is acting unprofessional and ridiculous and deliberately stalling usI never was wouldn't did I receive an email about him being on vacation for ma weekNo but he did tell me all about how time sensitive this is, and then blew us off

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,
*** ***-***

To Whom
It May Concern:We received complaint # *** filed with your office by *** ***, concerning a merchant billing dispute She’s requesting to be refunded
within five business days. Ms***’ disputes claim was
initiated on September 26, 2015. Three
days
later, our Disputes Department notated her account and advised that her
claim was still under review and will be resolved by November 16thA
provisional credit was not issued as a result of the disputes claim typeIf
Ms***’ claim is successful the funds will be credited by November 17th. NetSpend
understands that the disputes process is lengthy, and we appreciate Ms***’
patience as we attempt to retrieve her money. 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 Ms***’s complaint to usAs you requested, we addressed this matter directly with Ms*** on January 23, 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: Thank you for forwarding Ms*** ***’s additional comments regarding complaint number *** to us As you requested, we addressed this matter directly with Ms*** on September 18, by way of telephone, e-mail, or letterMs*** confirmed via email the refund check we mailed has been received 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 additional comments on complaint # *** filed with your office by *** *** concerning the inconvenience she has experienced with her dispute claim. On March 5, 2016, Ms*** disputed a transaction from *** *** for $as an ATM non-dispense through the website, ***. Our Disputes Department closed her claim on March 17th as they did not find an error occurred on the disputed transaction and no funds were credited to her accountMs*** informed us that the claim was errantly filed as an ATM non-dispense, and the Disputes Department required her to send in a disputes letter explaining why the charge is thought to be an error. Ms***’ letter of dispute was received on March 23rd and the claim was under review. The next day our Disputes Department closed the claim as no error found and no credit issued. We spoke with Ms*** and informed her of the claim review the same day. NetSpend regrets any inconvenience that Ms*** experienced while disputing the merchant chargesShe has 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 inconvenience she experienced with receiving her income tax refund to her NetSpend Card. On March 16, 2016, we spoke with Ms*** and addressed her concerns. We offered to
call the Internal Revenue Service with her so we could inquire about her deposit. She informed us that she called them the day before and requested for the IRS to track her refund. The account number Ms*** provided for her deposit was missing a number and that did not correspond to any account in our system. Since NetSpend never received the deposit to Ms***’ account, we do not have any information concerning the funds. The IRS will give her the information about her deposit. NetSpend regrets the inconvenience that Ms*** experienced while waiting on her tax refund. We 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 cancelation of her Fee Advantage Plan and the overdraft fees she was assessedOn May 18, 2015, Ms*** selected the option of our Fee Advantage Plan (FAP). For a monthly fee of $5,
this plan waives the fee of $for signature transactions and $for PIN transactionsShe opted out of the FAP on December 19th, and by default, her account was placed under the Pay As You Go Plan resulting in a fee for each transaction. Ms*** called on December 21st to inform us that she never intended to opt out of FAP, so we refunded the transaction fees and set her back on the monthly plan. The Overdraft Protection Program (ODP) is an optional service made available to eligible Premier cardholders. If the available account balance is overdrawn beyond the $purchase cushion, we will charge a $fee for each transaction that draws the account further into the negative, up to $maximum overdrawnIf the account is funded and brought to a $or positive account balance within hours from the time of the first transaction causing an overdrawn balance greater than $10.00, the overdraft fee will be waived. On December 19, 2015, the balance on Ms***’s account was $after a transaction at Dollar Tree for $On the next day, her transaction with *** *** payment for $occurred on her account, a pending $overdraft fee was incurred. Any transactions she completed after that would incur additional $overdraft fees. Per the ODP agreement, we will only collect on three overdraft fees in a month, so all $ODP fees above the three fee limit were released back to Ms***’s balance after the transaction that caused the fee posted to the account. We reached out to Ms*** by telephone and email on December 28th. We have not had the opportunity to speak with her, but will address her concerns when she returns our call. NetSpend regrets the inconvenience that Ms*** experienced with the overdraft and transaction feesWe have provided her with our contact information should she have any additional questions or concerns. Thank you, *** ** ***l Corporate Customer Response Team NetSpend A TSYS Company

Tuesday, November 8, 2016To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning her dispute claim.On July 7, 2016, Ms*** contacted us to dispute transactions that posted to her account from PRICELINE.COM AND CHASE BANK We opened a
dispute claim *** and promptly began our investigation We also informed Ms*** of the investigation timeframe afforded under Regulation E. Ms*** contacted us on multiple occasions beginning on July 12, regarding her dispute claimThe timeframe for an initial claim investigation on new accounts can take up to business days We advised that an update on her dispute claim will be available on August On this date, we applied a provisional credit to Ms*** account while we continued with our investigation On August 19, we concluded our investigation and determined that an error did occur The provisional credit applied on August will remain on Ms*** account On August 19, Ms*** contacted us to open a dispute claim for transactions that were cancelled with the merchants We opened dispute claim *** and promptly began our investigationWe also informed Ms*** of the investigation timeframe afforded under Regulation E. On September 19, we determined that Ms*** dispute claim *** was not eligible for a provisional credit, but we are continuing our efforts to investigate the claimOn November 3, we concluded our investigation with no credit being issued to Ms*** as the merchant responded with documentation that validated the transactions.A member of our Corporate Response Team spoke with Ms*** on November 7, regarding her claimWe provided her with a copy of the documentation provided by the merchants.We apologize for any misunderstanding Ms*** received regarding the conclusion of her dispute claim 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

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Ms*** states that she has tried to order a permanent card three times, but it never arrivesShe wants to be credited $for a monthly fee and transfer her funds to a new card she purchased
On July 10, 2015, we spoke with Ms*** about the card orders she has not receivedWe confirmed the physical address with herShe informed us that she is not on the apartment lease, but she was contacting the US Post Office to register her name at the addressWe have shipped six cards to her address and three of the cards have been returned as undeliverableThe recent card order on this account was shipped to her address on July 7thIt may reach her since she has been in contact with the post officeShe also has a separate card order coming on the new account that was shipped on July 6thWe are monitoring her accounts so we can assist with other delivery optionsNetSpend regrets the inconvenience that Ms*** experienced with the delivery of her cardWe have provided her 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 her dispute claim. On August 23, 2016, Ms*** contacted us to open a dispute claim for transactions from LAMAR APARMENTSWe promptly opened a dispute claim and began our
investigationWe informed Ms*** of the investigation timeframe afforded under Regulation EOn September 6, we issued a provisional credit to Ms*** account, while we continued our investigation of her dispute claim. We concluded our investigation of Ms*** dispute claim on October We mailed Ms*** a letter advising her that we would be reversing the provisional credit on October 14, because we received supporting documentation from the merchant involved in her dispute claim that validated the transactions.A member of our Corporate Response Team spoke with Ms*** on October 24, to discuss her dispute claimWe confirmed with Ms*** that the merchant validated the transactions and the funds would be returned to the merchant We requested our Dispute Resolution Department mail Ms*** a copy of the supporting merchant documentation She should receive this documentation within ten business days.We apologize that Ms*** was not previously contacted regarding the conclusion of her claim when she requested to be We have provided Ms*** with our contact information should she have any other questions or need any further assistance Thank you,*** ***Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: ***
I am rejecting this response because:As a result of this $charge, my account was overdrawn by and when my next direct deposit was made into the account, the was taken from thereI feel I should be entitled to my back!
Regards,
*** ***