Realcor Developments Ltd.

To Whom It May Concern: We received complaint # 1*** filed with your office by *** *** regarding funds deposited to her account that she cannot accessShe’s requesting access to her funds. Our Fraud Prevention Team regularly monitors account activity in order to provide a safe and
secure product for all of our cardholdersOn February 2, 2016, our Fraud Prevention Team blocked Ms***’s account and requested she provide identity documents. Ms*** provided acceptable documents and the block was removed on February 19th. We reached out to Ms*** on February 24th by telephone and email, but unfortunately, we have not had the opportunity to speak with her. We will assist with her concerns when she returns our call. NetSpend regrets the inconvenience that Ms*** experienced as a result of the account block. She has been given our contact information should she have any additional questions or concerns. Thank you, *** ** *** Corporate Customer Response Team NetSpend A TSYS Company

Complaint: ***
I am rejecting this response because:Everything about purchasing this card has been sketchyFrom the fact that only cash was requiredTo the fact that I was not allowed to file a complaint with Netspend directlyAlso having to provide sensitive information such a my social security number and proof of ID to an outsourced customer service agentThen to have the "representative from corporate" (Brian Rudd) call me from a restricted numberIn absolutely no way do I feel comfortable providing any of these details for a purchase that I made for a prepaid debit cardEverything about Netspend's process for prepaid debit cards raise issues about having my identity and the card holders identity stolenSince these are Netspend's policies, they can keep my moneyHowever this does not change my experience that Netspend is a corrupt and fraudulent company and will in no way shape or form ever have my business again.
Regards,
*** ***

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning his direct deposit On March 27, 2017, Mr*** contacted our Customer Service Department because he had not received his direct deposit. We informed Mr*** that Netspend
posts direct deposits as soon as they are received. A member of our Corporate Office reached out to Mr*** to apologize for any inconvenienceUnfortunately, we were unable to speak directly with him, so we corresponded via email. Our records show Mr*** received his direct deposit later that same day and he has full access to his funds. Mr*** card account is also set up with our free Activity Alerts feature that sends a text message notification regarding deposit activity on his card accountWe have provided Mr*** with our contact information should he have any additional questions or concerns. Thank you, *** *** Corporate Customer Experience Team Netspend, a TSYS Company

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning her dispute claim. On April 27, 2016, Ms*** contacted us to dispute several unauthorized transactions that posted to her account during the time she was incarcerated We
immediately blocked her card to prevent any additional unauthorized use We opened a dispute claim and began our investigation. On May 11, we concluded our investigation with no credit being issued to Ms*** account because we were unable to determine an error occurred Ms*** stated in her dispute letter that she authorized someone to use her card to handle her finances while she was incarcerated Upon receipt of her complaint, we spoke to Ms*** on May to discuss the results of her disputes claim Ms*** understands the outcome of the claim.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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is not entirely satisfactory to me but I wish to end this complaintWhen I spoke with *** the Net Spend representative he was evasive and refused to acknowledge that Net Spend has more than 3,Revdex.com complaints in a year periodHe also refused to acknowledge the numerous attempts I made to return his call. In any case, I consider this case closed as I have closed the account.
Regards,
*** ***

To Whom It May Concern: Thank you for forwarding Ms***’ complaint to usAs you requested, we addressed this matter directly with Ms*** on May 26, by way of telephone and email. We issued a provisional credit to Ms*** account on May 24, while we continued our
review of her dispute claimThank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concern Thank you, *** *** Customer Experience Analyst

To Whom It May Concern: We received additional comments on complaint # *** filed with your office by *** *** concerning the inconvenience she experienced with the closure of her account and the pending of her remaining fundsWhen we spoke with Ms*** on March 15th, she was informed that the review process conducted by the Internal Revenue Service can take up to six weeks. We apologize if she was given incorrect information about the destination to which her remaining funds will be returned, if necessary. We are still waiting for the IRS to complete their review and we will notify her of the results when it becomes available. NetSpend regrets the inconvenience that Ms*** experienced as a result of the closing of her accountWe have provided her 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 he experienced with activating his NetSpend cardHe’s requesting to complete a $transaction with the card. 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 them. This information can be found on the outside of our card packagingOn the front of the package we inform the customer that this is not a gift card and the basic fees are displayed on the outside cover. *** *** purchased his NetSpend card on January 25, Additional information was needed to fully activate his account, and our customer service requested for *** *** to send in identity documentsHe did not want to send the required documents so the card was converted to a limited use statusLimited Use allows funds to be dispensed from the NetSpend card at the point of sale using PIN and Signature transactionsOnce the funds are dispensed, the account will close and the card can be discardedWhen the card is converted to Limited Use, it cannot be reversed. We spoke with *** *** on January 26th, and we explained the card use and associated fees NetSpend regrets the inconvenience that *** *** experienced while attempting to activate his card. 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

Complaint: ***
I am rejecting this response because: as stated during phone conversationmy disputes against the account are not resolvedThe account was compromised for several transactions totaling over The contact made yesterday was only an effort to push it aside since now all of the sudden they can send me a check in less than days after a complaint was filed instead of the 20s of days I had to wait beforeFinally giving me the remaining balance after three months for an account that shouldn't have been closed doesn't settle disputes of financial fraudJust like the check the rev was no letter mailed concerning the account dispute.
Regards,
*** ***

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. (( But why, does a customer has to take this measures in order to get help ? ))
Regards,
*** ***

Wednesday, May 18, 2016To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning her dispute claim.On March 21, 2016, Ms*** disputed an incorrect transaction through our website. We immediately opened a dispute claim and began our
investigation. We also informed Ms*** of the investigation timeframes afforded to financial institutions under Regulation E. On April 3, we concluded our initial investigation with no provisional credit being issued due to the dispute type. Ms*** dispute claim is subject to finalize on May 19, and if it is successful, the funds will be returned to her account on the following business day. Upon receiving her complaint we reached out to Ms*** on May 13, but unfortunately, we have not had the opportunity to speak with her. We have explained the dispute process through email and will assist Ms*** further when she returns our cal**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

Complaint: ***
I am rejecting this response because:
Regards,
*** *** I Am rejecting this business because they close my account under pretensesMy account was not at high risk and made all transactions on my accountNobody elseLastly, I spoke to the gentleman from the business that included my account will go back up to the higher persons who closed my account for receive and stated he will get back in touch with me by the end of the week on Friday July 1,to be exactNo communication happen via phone or email from Mr *** *** since 6/28/when he assured me that he will address my concern to open my account up againThis is all I'm requestingThanks, *** *** PS: when first opening my account there was no further information given to me but a deposit paper and a card

Friday, May 20, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning her dispute claim.On March19, 2016, Ms*** contacted us to dispute a transaction with *** Insurance. A dispute claim was opened and we promptly began
our investigationWe concluded our investigation of her claim on March and credited her account for the disputed amount.Upon receipt of her complaint, we reached out to Ms*** to discuss her disputes claimWe notified her that she won her disputes claim and a credit was issued to her accountWe apologize for the poor service that Ms*** experienced with our Customer Service Department. We have reported this incident to the management staff of the customer service agents she spoke withWe have provided Ms*** with our contact information should she have any additional questions or concernsThank you, *** *** Corporate Customer Response Team NetSpend A TSYS Company

To Whom It May Concern: We received additional comments regarding complaint #*** filed with your office by *** *** concerning her dispute claim. We appreciate Ms*** additional comments. After our reinvestigation of Ms*** dispute claim, we did not find that an error occurred. A letter explaining the details of our investigation will be mailed to Ms*** address on file and should be received within business days.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

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
Acepto la decision de la Compania Nestpend considerando la opcion que me han enviado de NO volver a enviar los documentos y activar la tarjeta con USO LIMITADO requiero la activacion de manera URGENTE para el dia de hoy por el total que ha sido depositado a la tarjeta para poder realizar la transaccion de manera inmediata ya que como explique anteriormente es para un medicamento.***your card to make limited use***
Regards,
*** *** ***

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning an unauthorized charge on her NetSpend card. She’s requesting for her card to be unblocked so she can access the funds. On February 18, 2016, Ms*** reported an unauthorized
charge on her card from Member Service for $49.95. Our Customer Service blocked the compromised card to protect her remaining card balance and ordered her a replacement card with expedited delivery. Later that evening, the merchant collected the funds for the transaction. Member Service credited Ms*** card $on February 21st. Ms*** transferred her card balance to another NetSpend card in her name on February 24th. We reached out to Ms*** on February 22nd by telephone and email, but unfortunately, we have not had the opportunity to speak with her. We will assist with her concerns when she returns our call. NetSpend regrets the inconvenience that Ms*** experienced with the unauthorized charge on her card. 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

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,
*** ***

Tuesday, November 15, 2016To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning a check she has not received.On October 24, 2016, our Risk Management Team closed Ms*** account due to risk factors that were identified with her account
activityThese risk factors are not shared with consumers for security reasons and Ms*** is no longer eligible for products managed by NetSpendOn october 27, we mailed Ms*** a check for her remaining funds to the address on file. A member of our Corporate Response Team spoke with Ms*** on November 9, regarding her missing refund checkOur records show that we received her check back as undeliverable on November At Ms*** request, we will reissue her another check via UPS that she should receive within business daysWe will provide Ms*** with the UPS tracking number once we obtain it.We apologize for the inconsistent information Ms*** received from our Customer Service Department regarding her fundsWe 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: During routine monitoring, we placed a temporary restriction on Ms*** account on February 18, because we detected suspicious activity. In order to remove the restriction, we asked Ms*** to provide us with copies of her identification documents to
validate her identityWe are sorry to hear that Ms*** had a bad experience with our Customer Service Department. We have reported this incident to the management staff of the customer service agents he spoke with to ensure that they receive appropriate coaching on our policies and procedures As you requested, we addressed this matter directly with Ms*** on February 28, 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 complaint # *** filed with your office by *** *** concerning the closure of his card account On December 16, 2016, our Risk Management Team closed Mr*** Card Account due to risk factors that were identified with his Card Account
activityThese risk factors are not shared with consumers for security reasons and Mr*** is no longer eligible for products managed by NetSpendAs part of the account closure process, all cards are blocked for the protection of account funds. Later, the same day, Mr*** spoke with our Customer Service Department to discuss the account closure. We explained to Mr*** that he is no longer eligible for NetSpend services and a check with the remaining balance would mailed to his address on file. On January 7, Mr*** informed us that he had not received his refund check and that his address needed to be updated A member of our Corporate Response Team spoke with Mr*** on January 10, to confirm his address and ensure his refund check is mailed to the correct address We completed his address update and requested a reissue of his refund check. Mr*** should receive the new check within business days We apologize for the 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 Mr*** has been provided with our contact information should he have any additional questions or concerns. Thank you, *** *** Corporate Customer Response Team NetSpend A TSYS Company