Realcor Developments Ltd.

Friday, November 17, To Whom It May Concern: Thank you for forwarding Ms*** ***’s complaint # *** to usAs you requested, we reached out to Ms*** on November 17, by way of telephone, but we were unable to speak with her directlyWe corresponded with Ms*** by
email to resolve her complaintThank 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 *** ***Ms*** states that she was denied access to her Social Security benefits that were deposited to her new temporary cardShe wants access to her fundsOn June 11, 2015, we spoke with Ms***
about her NetSpend cardsWe apologized for the difficult chain of events that limited her access to the funds posted to her accountWe refunded her account for the fees charged to transfer funds and order cardsWe regret the inconvenience Ms*** experienced with gaining access to the funds deposited to her NetSpend accountWe 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 *** ***Mr*** states that he has not received the check for his closed accountHe wants the funds owed to himOn June 25, 2015, we spoke with Mr*** and he informed us that he has received the second check mailed to his addressHe did not receive the disputes closure letter we mailed him on April 3rd, so we are resending that to himThe disputes claim was closed on April 2nd with no error foundNo funds were recovered to be credited to Mr***’s accountOur Risk Department has determined he is no longer eligible for NetSpend servicesNetSpend regrets the inconvenience that Mr*** experienced while waiting on his checkWe have provided him 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:
I never signed up for your service in the first place so there is no account information associated with my name, you just started sending me text messages out of the blueThese messages appear to have stopped on their own so please stop trying to contact meThe goal from message one has been to get NetSpend to stop contacting me
Regards,
*** ***

Complaint: ***
I am rejecting this response because: This company states I have an account with themThis is not accurateI only purchased their debit card for the first time on January 30, They refused to activate my card. I do do not appreciate their answer stating that I have an account and they closed itThat is not fact or the truthAgain the companies way of making themselves look good. I did agree to have them refund my money for the purchase of their debit card. For the company to state I had an account and that I cause risk is completely untrue and unacceptable I can not believe they would write such a thingThese people are something else.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution was hours after I submitted the complaintthanks for looking after the little guys
*** ***

Tuesday, June 7, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a block on her account On June 4, 2016, Ms*** contacted us to activate her NetSpend card. Our system recognized that she had a
previous negative balance and we automatically blocked the account until the balance could be recovered We spoke with Ms*** on June to address the block on her accountAfter further review of Ms***’s accounts, we determined that the balance did not need to be recovered and the block on her account was removed We apologize that Ms*** was not able to access her funds immediately and we appreciate her patience while we removed the account block. 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

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
Prior to the Netspend Rep's call, I received a text saying I had beenremoved from their contact list, then during the call the Rep confirmed I was no longer on their contact listWe did discuss the source of Netspend ads I was receiving, finding them to be of another source, and will try to attach an example with this responseI just discovered I had already deleted the undesired Netspend ad from the other source, so I will forward a future ad to the Rep as agreedThank you for helping clear this up!
Regards,
** ***

To Whom It May Concern: Thank you for forwarding Ms*** ***’s additional comments on complaint *** to us We attempted to reach Ms***’s on October 13, 16, 17, and 18, by telephone and by email, but unfortunately, we were unable to speak with herWe emailed her a letter on October 19, 2017, 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

Complaint: ***
I am rejecting this response because:Netspend did contact me and left a very lengthy voicemail of which *** (of Netspend) stated he would send all the details he addressed in an email. *** explained in his voicemail he would expedite my claim and I would hear something within the next hours. *** also stated he would look into providing a provisional credit within days. *** sent an email which simply stated "please advise if you received my voicemail." I responded that I had. I contacted *** via email and asked had he considered crediting my account with the provisional credit of $650.99. He stated I would receive an update on August 19, 2016. This is the date given to me by Netspend customer service so *** did nothing he promised in his very lengthy email. In this Revdex.com response it states I will receive feedback on whether I will receive a provisional credit but not when this matter will be cleared up. Netspend blocked my account because they knew there was fraudulent activity. Since they know the activity was fraudulent, why can't they credit my $back to my NETSPEND account immediately and if they are unable to do that, at least provide the provisional credit
Regards,
*** ***

To Whom It May Concern: We received complaint # *** filed with your office by *** ***Ms*** mentions that NetSpend blocked access to her tax refund and requested to fax in identifying information. She is requesting immediate access to her fundsNew and existing accounts are
reviewed regularly by our Risk Management Department in efforts to prevent potential account compromising activity, and to ensure that all account activity is compliant with regulationsMs***’s account triggered a block caused by our Risk Management Department on February 2, 2016. The details that triggered the block are kept internal for security reasonsA notification was placed on her account to alert our customer service to inform her that our Risk Management Team requested additional verification from her as a security precaution. A supervisor from our Risk Management team spoke with Ms*** on February 4th, and advised she is no longer eligible for NetSpend services due to the risk factors involved. We informed Ms*** on February 11, that her tax refund has been returned back to the originator and an outgoing trace number was provided for her records. We regret the inconvenience that Ms*** experienced while attempting access her tax refundIf she has any further questions, she is welcome to contact us at the toll free number *** 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 closure of her accountShe’s requesting an explanation and access to her funds. 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 December 23, 2015, Ms*** called customer service to activate her card, and was advised that identity documents were required for verification purposesMs*** agreed and we received her documents on the following day Unfortunately, we were unable to authenticate the documents received to activate her card As a result, her account is now closed and she is no longer eligible for our services. On December 27th, we spoke with Ms*** to explain the reasons for her account closure We also confirmed that a check will be mailed to her address that we have on file and she should receive it within business days.We regret the inconvenience that Ms*** experienced with her account closure She has been given 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 fees on her Liberty Tax Card Account A member from our Corporate Office spoke with Ms*** on February 23, 2017, and she explained that the Liberty Tax employee filing
her taxes did not mention the fee plans associated with his Card Account and did not provide her with literature explaining the card. We explained the fees associated with the use of her card. We refunded the fees charged on Ms***’ account and put her on a Fee Plan that waives the credit and debit fees when the card is used. We apologize for the incomplete information that Ms*** received from Liberty Tax. We have reported this incident to the management staff of the facility that issued her the Card Account so that they receive appropriate coaching regarding explanation of fee plans We have provided Ms*** with our contact information should she have any additional questions or concerns. Thank you, *** ** *** Customer Experience Specialist NetSpend, a TSYS Company

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning a request to transfer funds from his new accountMr*** requests the transfer to be completed as soon as possible so he can access his funds.Netspend has security procedures in place
for the safety and protection of our cardholder accounts, which include limitations on funds transfers for a new account when the cardholder has not activated their card yet. Mr*** mentioned being approved for one transfer, but not for a second transfer due to security reasonsWe spoke with Mr*** on February 16th to address his full concernsWe offered to transfer his remaining funds; however, he advised that he has received his card and will activate it for use.NetSpend regrets the inconvenience that Mr*** experienced when trying to obtain all of his fundsWe have provided his 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:We received a rebuttal complaint # *** filed with your office by *** ***Ms*** states that she does not agree with the letter she received from the Disputes DepartmentShe wants the disputed funds refunded to herAs we stated in our previous response, Ms***’s disputes claim was closed with no error foundWe understand that she does not agree with the reasoning behind our decisionThe disputes claim remains closedOur Risk Department determined the account activity to be unacceptable and we closed Ms***’s accountWe recommend that she report this misuse of her card to the authoritiesThe police should be able to assist her in trying to catch the person that used her card.NetSpend regrets the inconvenience that Ms*** experienced with her disputes claimWe 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 unauthorized transactions on his accountOn August 4, 2016, Mr*** contacted us through his secure online inbox and reported that his card was used without his authorizationOur Customer
Service Department responded to his message and advised that we needed additional information to clarify the transactions he wanted to disputeMr*** filed a dispute claim online on October for the transactions in questionOur Disputes Department was able to review the claim on October 18, and no credit was issued because we did not find that an error occurredA letter detailing our investigation was mailed to Ms***’ address on fileIn response to this communication, we reached out to Mr*** on November 29, but we were not able to speak with himA woman answered one of our attempts to reach Mr*** and stated she could speak on his behalfShe stated that he decided to cancel his complaint, but she did not allow us to speak with Mr*** directly and hung up the phoneWe contacted our Dispute Department to continue re-review of Mr***’ dispute claimDuring the investigation of the claim, we identified several risk factors associated with his accountDue to these concerns, we closed his account on November 30, and we are no longer able to offer him products managed by NetSpendWe completed our re-review of Mr***’ dispute claim on December and were able to issue full reimbursement for the disputed transactions and associated fees as a result Mr*** will receive a check for the remaining balance within ten business daysWe have provided Mr*** with our contact information in case he has any further questionsThank you, *** ** *** Corporate Customer Response TeamNetSpend A TSYS Company

Wednesday, July 6, 2016To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning a transaction on her account. On June 16, 2016, we received an authorization request from Direct TV to hold $in addition to a $transaction fee for the
purchase Because the available balance at the time was not enough, instead of declining the transaction due to insufficient funds we sent a response to Direct TV, approving a partial amount for $The funds were held in reserve status pending collection by Direct TV.Later that same day, Ms*** contacted us and reported that the transaction was declinedWe asked her to send us written documentation confirming that the transaction was declined so that we could release the pending authorization.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.We received an email on June concerning the pending transactionHowever, the documentation was not acceptable to release the transaction based on our guidelines.Upon receipt of this communication, we reached out to Ms*** to assist with her transaction We contacted Direct TV with Ms*** on the phone, and confirmed that the pending transaction would not be collectedAs a result, we released the pending transaction back into Ms***’s available balance. 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 a block that took place
on his new card that was caused by a previous account with a negative balance. He’s requesting to be reimbursed for the
amount loaded to his new card. On
November 18, 2015, Mr*** attempted
to activate a new prepaid debit card, but our system recognized that his information
was associated with previous account that had a negative balanceOur system
automatically blocked the new accountAs a result of the outstanding negative
balance that was left on Mr***’s previous account, he is no longer
eligible for NetSpend servicesHe will receive a check for the funds that were
loaded to his new card, within ten business days. NetSpend
regrets the inconvenience that Mr*** experienced while attempting to
activate his new 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

Complaint: ***
I am rejecting this response because: The $that you say was deposited for my EX-husband was actually my minor child's dependent benefits - NOT his benefits The $belonged to *** *** (a year old minor child whom I am her payee until she reaches age of 18) Again, you had no right to cease HER or MY funds - the $was *** *** benefit not *** *** benefit You made a grave error and refuse to right the situation The closing of this account for no good reason caused us a great deal of grief and hardship Freezing that account (our only bank account) left us with no money for food, gas, expenses related to the funeral of her father and bounced payment fees on accounts that were direct debit I literally had to sell furniture out of my house to keep the electric on Thanks Netspend for being heartless and incompetent What you did is NOT okay and you continue to refer to *** as my husband He was NOT my husband after the year - he was the person who gave me a beautiful child and I remained his friend until he died but his death should not have impacted MY bank account nor MY DAUGHTER's benefits The funds you stole belonged to an already grieving child Nice job there This is a public relations and customer service nightmare but nothing like the nightmare we have endured because of your actions I have spoken to an attorney who agrees that you are at fault and he is willing to consider taking a case if you refuse to rectify this At this point I demand damages for losses connected to your actions -- not just the money you stole from our account but for the stress and bounced debit and embarrassment that you caused us
Regards,
*** ***

To Whom It May Concern: We received complaint # *** filed with your office by *** ***t concerning a pending transaction on her NetSpend account that has not been released to the card balanceShe’s requesting to have the pending transaction released. On January 20, 2016, the
merchant Travel Reservation initiated a transaction of $on *** *** NetSpend cardAs a result of the recent transaction being in a pending state, our customer service was unable to release the funds without supporting documents to confirm that the merchant would not collect the fundsNetSpend does not have the ability to void or cancel a pending transaction as noted in the card termsIf we receive documents from the merchant to validate that the transaction has been voided or cancelled, we can release the funds back into the accountThe documents *** *** sent were not accepted to release the transaction because the transaction amounts did not matchAs a courtesy, we released the funds back to her card balance on January 25thOur release of the funds is not a void or cancel of the original charge from the merchantIf they collect at a later date, *** *** can request for NetSpend to dispute the charge. We reached out to *** *** by telephone and email on January 26th, but have not had the opportunity to speak with her. We will assist with her concerns when she returns our callNetSpend regrets the inconvenience that *** *** experienced with the pending transaction from the merchant Travel ReservationWe 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