Realcor Developments Ltd.

Complaint: ***
I am rejecting this response because:
The response by Netspend is a lieThey did call and left a message with my wife and then sent an email on 1/5 saying they would send me a check for $within days. They did not ask for a reply and ended by saying that if I had any questions to let them know however I DID reply on 1/and said "thank you I'll be looking for it". Whether or not the Patriot Act requires personal information is irrelevantI bought a card for one time use, I did not want an "account" and certainly not with these people for the ridiculous fees they charge for the purchase of the card, monthly maintenance and fees for each transaction all of which I found out after buying what was supposed to be a prepaid card (an actual plastic credit card with an account number) which turns out to be nothing more than a misleading prop since the buyer is then required to go online and open an account and once activated after many days if approved they'll send you a real card that you can actually useMeanwhile they have my money and the purpose for which I bought their card had to be accomplished with my real credit card on an insecure networkDuring all this time they bombard me with requests to set up direct deposit for my payroll and tax return which they would devour in feesAgain, I did not "buy" an "account" with a company that takes your money and then stonewalls you with prerecorded, unresponsive messages trying to sell me more garbage that I don't want and take more of my money, I bought a card for one time, online use in order to protect my real cards, one of which was recently compromisedThis scam seems to be intended for people with poor credit so they can extract exorbitant fees from people with few resources and optionsI'm not that person.If they send me a full refund as they promised I will accept that but until the check arrives and clears I am NOT satisfied and I don't appreciate them saying that I did not replyTheir response is as deceptive as their sales practicesI have also contacted the TN Attorney General and the store where I purchased the card and asked them to investigate and discontinue selling these cards respectivelyAs the many reviews online indicate, Netspend has a long history of complaints that will only continue if something is not done to stop themThey should not be allowed to continue selling prepaid cards that are not prepaid cards but props to dupe people in to opening an account that they don't want which if approved will eventually let them use whatever is left of their money after the various fees are paid
Regards,
*** ***

Complaint: ***
I am rejecting this response because: The company is still in violation of the terms of agreement as well as federal law regarding the handling of unauthorized charges on my account
Regards,
*** ***

Tuesday, March 27, 2018To Whom It May Concern: Thank you for forwarding Ms *** *** complaint *** to us. The offer and accompanying disclosures mailed to your child were distributed in compliance with the Electronic Fund Transfer Act as implemented through Regulation E (CFR
1005.5(b))No account or card in your child’s name has been activated as part of this offerThe offer is NOT a credit card, it contains no value, and it cannot be used to conduct transactionsNo credit report has been or will be obtained in connection with the offer, and the offer does not have any effect on your child’s credit. Netspend relies on affiliate marketing services as a source for reaching potential new customers and your child’s information was acquired through these business relationshipsYour child’s name and address were provided to this third party, and that information was opted in to receive offers and marketing materials from the third party as well as any third party with whom they choose to share the informationBecause Netspend feels strongly about customer privacy, we only contract with marketing affiliates that have collected the information from consumers that indicate they are years of age or older, and have received permission to share it with us. Steps are taken through the identification process to further ensure that a person under cannot activate the offersThe offer is not active and cannot be used unless activatedDuring activation Netspend verifies the identity of the person activating the offer (including asking for a Social Security number) to ensure that the card offer can only be used by the intended recipient, and that the person activating the offer is at least years oldIf the recipient’s identity cannot be verified or they are under 18, the activation attempt is rejected.We attempted to reach Ms*** on March 21, 22, 23, and 27, 2018, by telephone, but were unable to speak with herWe emailed Ms*** the details outlining our actions to resolve her complaint on the card offer sent to her son. 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

Thursday, September 15, 2016To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning an unauthorized transfer of funds. On August 31, 2016, Ms*** contacted us to report an unauthorized transfer of funds to another account We
immediately opened a dispute claim and began our investigation A block was also placed on both accounts to prevent cardholder transfers in the future.A member of our Corporate Customer Response Team contacted Ms*** on September to discuss her dispute claim We completed our investigation on September and provided full reimbursment for the disputed transfer. We understand how frustrating it can be to experience unauthorized transactions 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

Thursday, February 09, 2017To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning problems he experienced completing an instant transfer from his PayPal account On January 20, 2017, Mr*** attempted to perform an instant transfer from
his PayPal account to his PayPal Prepaid MasterCard The transfer was not completed and Mr*** contacted us for assistance We attempted to troubleshoot the problem and advised Mr*** to reattempt the instant transfer, but it was unsuccessful A member of our Corporate Office communicated with Mr*** via email on February We contacted PayPal for assistance and we are in process of assisting Mr*** with his instant transfers. We provided Mr*** 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 ConcernWe received complaint # *** filed with your office by *** *** concerning stop payment she submitted against a merchantShe’s requesting reimbursement for the disputed transaction.On December 10th and 31st, 2015, *** Casino charged Ms*** account in the
amounts of $and $The charges that incurred on her account were ACH (Automated Clearing House) transactionsMs*** disputed the first transaction, and requested a stop payment with our customer service on December 27thShe disputed the second transaction on December 31stMs*** was reimbursed for the disputed ACH transactions on January 5th and 12th, The ACH stop payment is only effective for a specific merchant and dollar amountIf the merchant charges a different ACH amount in the future, a new ACH Stop Payment must be initiatedThis is why the additional transaction from *** went through after Ms*** requested a stop payment the first timeWe reached out to Ms*** on January 12th by telephone and email. We have not had the opportunity to speak with her, but will address her concerns when she returns our callNetSpend regrets the inconvenience that Ms*** experienced as a result of ACH debits from *** CasinoWe have provided her with our contact information should she have any additional questions or concerns. Thank you*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Wednesday, February 28, 2018To Whom It May Concern: Thank you for forwarding Mr*** *** 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 Mr*** by telephone on February 23, 27, and 28, 2018, but unfortunately, we were unable to speak with him or his daughter. We emailed Mr*** the actions taken to resolve his concerns. Mr*** case has been assigned to Corporate Response Team Analyst, ***. Should Mr*** contact our Customer Service Department, we have left notes on his account for him to be connected with *** to further assist him with this matter. Thank you for bringing this matter to our attention.Thank you,*** ** ***Customer Experience Specialist Netspend, 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 July 5, 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

To Whom
It May Concern:We received complaint # *** filed with your office by *** *** concerning an overdraft fee that he’s requesting
to be reimbursed forThe Overdraft Protection Program is
an optional service made available to eligible ACE Elite 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 negativeIf
the account is funded and brought to a $or positive account balance within
hours, the overdraft fee will be waived. On November 18, 2015, the balance on Mr***’ account
was $When two additional pending transactions occurred on his account
for $each, a pending $overdraft fee incurred. The next day Mr*** loaded $to his account,
raising his account balance to $2.94. Later that day the merchant posted the two transactions to his account,
and the pending overdraft fee was released back into his accountThis
increased Mr***’ account balance to $17.94. We reached out to Mr*** by telephone
and email on November 27th. We have not had the opportunity to speak with him but will address his
concerns when he returns our call. NetSpend
regrets the inconvenience that Mr*** experienced with the overdraft fee
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 account is not fixed.
Regards,
*** ***

To Whom It May Concern:We received a rebuttal complaint # *** filed with your office by *** ***Ms*** states that she does not accept the disputes claim decision because the money was stolen from herShe wants to recover the money taken by the criminal actAs we stated in our last response, we disputed the reported charges from Ms*** and found no errorIn the examination of the transactions, we concluded that the disputed items were performed at establishments that normally occurred on the account historyThe same card was used during the disputed period for transactions authorized by Ms***, indicating she had possession of the cardThe Personal Identification Number (PIN) was used for the transactionsNo funds were recovered to credit Ms***’s cardSince Ms*** has reported the theft to the police, they can conduct the criminal investigationOur investigation covers the card transactionsNetSpend fully cooperates with the authorities to provide information by subpoena should they require our assistanceNetSpend regrets the inconvenience that Ms*** experienced with the misuse 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

Tuesday, June 21, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning the customer service he received while filing his disputes claim On June 1, 2016, Mr*** contacted our Customer Service Department to open a
disputes claim for a product he ordered that did not work properlyWe immediately opened a disputes claim and began our investigation Upon receipt of his complaint, we contacted Mr*** on June to discuss his disputes claimWe explained the chargeback process to Mr*** and requested he send us a letter of dispute detailing how he felt an error occurred. We received this document and advised that his disputes claim should be concluded on August We 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 with We have provided him 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 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 A member of our Corporate Response Team reached out to Ms*** on November 2, 2016, regarding the card she receivedAt her request, we permanently blocked the card offer and removed her information from further marketing offers for NetSpend managed productsAdditionally, we submitted a request to our Marketing Department to provide information concerning how their name and address were obtained, and we will provide this information to Ms*** as soon as we receive it 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

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning her replacement card and fee. On November 1, 2016, Ms*** contacted our Customer Service Department to order a replacement cardShe has not activated her original card
with her name on it that was ordered August We ordered her a card to be expedited 1-business days via UPS that typically includes a $chargeMs*** contacted us multiple times during the expedited timeframe however, we did not have a tracking number to provide her yetUPS typically provides us with a tracking number by the end of the day on the second business dayOur records show that the card was mailed on November and activated by Ms*** on November Ms*** requested on November to have her funds to be transferred to another Netspend account she hasWe completed the transfer on November A member of our Corporate Response Team spoke with Ms*** on November We apologized for the inconvenience she received with how long it took to receive her cardAs a courtesy, we have refunded her account for expedited card feeAdditionally, Ms*** advised she will email us copies of her statements showing additional late fees related to her rentOnce we receive her statements, we will review them with Ms*** for reimbursement to her account 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

To Whom It May Concern: Thank you for forwarding Ms***’s additional comments to usThe most common fees for using the card and for maintaining the Card Account, including transaction decline fees, are fully disclosed in the cardholder agreement and are visible to consumers prior to activationWe reviewed Ms***’s account and determined her card was blocked for the protection of her account funds. When a merchant attempts to authorize the card account and receives a decline message, the merchant should discontinue attempting the card account or the card holder’s account is subject to transaction decline fees. We attempted to reach Ms*** by phone and email on October and 24, but unfortunately, were unable to speak with Ms***We emailed her on October outlining our actions to resolve her complaintHer case has been assigned to a Corporate Customer Response Team Analyst, ***Should she contact our Customer Service Department we have left notes on her account for her to be connected with *** to further assist her with her matter. 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

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning the inconvenience she experienced with a cancelled disputes claimShe’s requesting a refund for the disputed transaction. On November 6, 2015, Ms*** disputed a transaction
with Public Storage for $219.23. When she spoke with customer service, she was informed that an update would be provided on the tenth business day, November 23rd. A card was also ordered to replace the compromised one. Ms*** later sent an email to cancel the disputes claim on November 9th. On the tenth business day, our Disputes Department provided an update to advise a day timeframe to finalize the claim, January 8, 2016. We reviewed her claim and issued a credit to Ms***’ account on December 21st for the full amount of the disputed item. We spoke with Ms*** on December 28th and she informed us that her concerns had been addressed with the credit to her account. NetSpend understands that the disputes process is lengthy, and we appreciate Ms***’ patience as we attempted to retrieve her funds. 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: Thank you for forwarding Ms***’s 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’ve
reviewed Ms***’s dispute claim and complaint concerning the time period to resolve her claimAfter review, we’ve determined that her claim is being handled correctly based on the timeframes provided by Regulation EWe attempted to reach Ms*** by phone and email on October and October but unfortunately, were unable to speak with Ms***We emailed her a letter on October and provided her with further insight on the dispute resolution process. Her case has been assigned to a Corporate Customer Response Team Analyst, ***Should she 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 concernThank you, *** *** Customer Experience Analyst Netspend, a TSYS Company

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning a transaction on her account. On July 16, 2016, we received an authorization request from T-Mobile to hold $Later that day, Ms*** contacted our Customer Service Department to
report that she cancelled her service with T-Mobile We released the pending transaction back into her available balance and advised that this is not a void or cancellation of the authorization from the merchant Later that day, T-Mobile collected on the original authorization and posted the transaction to Ms***’s account.A member of our Corporate Response Team reached out to Ms*** to discuss the transaction We opened a dispute claim for Ms*** and informed her of the investigation timeframes afforded under Regulation EWe issued Ms*** a provisional credit on July 20, while we continue our investigation We also informed her the claim is scheduled to be finalized on September and the results of the investigation will be provided to her in writing within business days of completing our investigationWe have provided Ms*** with our contact information should she need any further assistance 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 meHowever, the company did not alert me or give me contact information in regards to this complaint
I found out the funds were credited by this notificationI was not notified by netspend not given contact information for questions
Regards,
*** ***

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Mr*** states that he has not received the check in the promised twenty business daysHe wants his moneyOn May 19, 2015, Mr*** closed his NetSpend card and requested a check for the
remaining fundsWe mailed him a check for $on May 21stHe notified us on the twentieth business day that he had not received the checkOur Accounting verified the check had not been cashed and we processed another checkThe name of the street spelling was off by a letterWe mailed the check to Mr***’s corrected address on June 25thNetSpend regrets the inconvenience that Mr*** experienced while waiting on his checkHe has been given my contact information should he have any further questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company