Realcor Developments Ltd.

Complaint: ***
I am rejecting this response because:Card still does not work at all not even " limited use " All funds I applied to card and the $I spent to activate the card It is still not working
Regards,
*** ***

Thursday, September 28, 2017To Whom It May Concern:Thank you for forwarding Ms*** ***’s complaint *** to us. Our records show a dispute claim was initiated on September 20, 2017. When 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 account. We reviewed Ms***’s dispute claim and determined the investigation is being handled correctly. Her claim is scheduled to be updated on October 19, 2017. We attempted to reach Ms*** on September 22, and 28, by telephone and by email, but unfortunately, we were unable to speak with herThe email we sent 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

Wednesday, September 14, 2016To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning a cash load she made that was used to recover a previous negative balance On December 2, 2013, Ms*** loaded $onto a new Netspend card and
attempted to activate it over the phone Our system recognized that she had a previous negative balance and it automatically blocked the accountThe money Ms*** loaded to her card was transferred to her previous account to recover the negative balance. A member of our Corporate Response Team reached out to Ms*** on September 9, 2016, and explained why the funds were used to recover the previous negative balanceAs a courtesy, the funds were reimbursed to Ms*** account and we will send her a refund check She should receive this within business days.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

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,
*** ***

Wednesday, December 21, 2016To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning a NetSpend card offer that was sent to her son.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.In response to her communication, a member of our Corporate Response Team spoke with Ms*** on December 21, and informed her that the card account offer sent to her son is permanently blocked and the name and address have been removed from our mailing list They should not receive any future offers from NetSpend managed products Additionally, we have submitted a request to our Marketing Department to provide information concerning how her son’s name and address were obtained That information will be conveyed to her once it is received 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*** states that he was unable to access the funds on his NetSpend card as a result of not having a US addressHe’s requesting to be reimbursed for the card purchase, in addition to the funds that
were loaded onto his cardFederal 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 residential street address, date of birth, and other information that will allow us to reasonably identify themNetSpend is compliant with the laws concerning the prepaid debit cardIf the information provided cannot be verified by, we will request documents to manually verify the account informationOn August 11, 2015, we spoke with Mr*** concerning the options for using his prepaid cardBecause the address originally provided did not match Mr***’s residential address in Canada, we could not fully activate his cardWe are sending him a refund check for the card purchase in addition to the funds that were loaded onto his account, and will provide him with the tracking information once it’s availableWe apologize for the inconvenience that Mr*** experienced while attempting to use our productWe have provided him with our contact information should he have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Friday, February 26, To Whom It May Concern: We received complaint # *** filed with your office by Magda *** concerning a Western Union transfer that did not complete resulting in late fees. She’s requesting for her transaction and late fees to be refunded. On
February 22, 2016, we spoke with Ms*** and addressed her concerns. She emailed us copies of her Western Union online transaction to help troubleshoot the problems she encountered. NetSpend regrets the inconvenience that Ms*** experienced with the online Western Union transfer. 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 *** *** Ms*** mentions the IRS advised her that they have not received her funds back from Netspend. On February 17th, 2016, our Risk Management Department closed Ms***’ account due to risk factorsWe have advised Ms*** that we are waiting for confirmation from the IRS regarding if they want us to return the funds to them or send them to Ms***When we receive this confirmation, we will return the funds to appropriate person.Netspend regrets the inconvenience that Ms*** experienced while waiting for her funds to be returnedWe have provided her with our contact information should she have any additional questions or concerns Thank you,*** ***Corporate Customer Response TeamNetSpend A TSYS Company

Tuesday, May 10, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning unauthorized transactions made on her account Upon receipt of her complaint, we attempted to reach Ms*** on May to assist with the
unauthorized transactions made on her account. The information Ms*** provided did not register to any activity on her accounts offered through NetSpend. 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 Team NetSpend A TSYS Company

Thursday, January 11, To Whom It May Concern: Thank you for forwarding Mrs*** ***’s complaint *** to usWe are required by the USA PATRIOT Act to obtain, verify, and record information that identifies each person who opens a card account with usWhen 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 purchaseWe also print on the package that the cardholder must be at least years of age to activate the cardAs you requested, we addressed this matter directly with Mrs*** on January 11, by way of telephoneWe sent her an email detailing the actions to resolve her concernsThank 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

Friday, September 15, 2017To Whom It May Concern:Thank you for forwarding Ms*** *** complaint *** to us. When 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 account We reviewed Ms*** dispute claim and determined the investigation was handled correctly We attempted to reach Ms*** on September 12, 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 process Ms*** 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

Friday, May 26, 2017To Whom It May Concern:Thank you for forwarding Mr*** *** complaint # *** to us. We reviewed Mr*** closed Card AccountOur Risk Department closed Mr*** Card Account on December 6, due to high risk factors that were identified during his
dispute investigation We attempted to reach Mr*** by telephone on May 22, and 26, 2017, but unfortunately, we were unable to speak with himWe emailed Mr*** the actions involved in the closure of his account and explained that the remaining account balance was mailed to his address on file We have also mailed out Mr*** account history in case there are other transactions that were not included in his original dispute.Mr*** case has been assigned to a Corporate Customer Response Team Analyst, ***Should he contact our Customer Service Department we have left notes on his account for him to be connected with *** to further assist him with his matter 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

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,
*** ***

Friday, September 2, 2016To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning a transaction on his account. On August 13, 2016, we received an authorization request from BUDGET RENT A CAR to hold $on Mr***’ accountOn August 23,
Mr*** conacted us to request to have the pending transaction releasedWe requested Mr*** to provide us with documentation from the merchant that would confirm he returned the rental car and that the funds should be released back into his available balance.If a cardholder requests a release of a pending transaction before we receive the merchant’s settlement request, we require written confirmation confirming that the transaction will not be collected 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.Our Corporate Response Team spoke with Mr*** on September 2, to discuss the transactionMr*** provided us with a copy of the receipt on August 31, but the document was not sufficient to release the pending transactionAfter further review, we approved the receipt and released the pending funds back into Mr***’ available balanceWe advised Mr*** that the release of the pending transaction is not a stop payment or cancellation of the original authorization.We have provided Mr*** with our contact information should he have any other 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 was not able to activate the card that she purchased as a birthday giftShe wants the full amount she paid to purchase the card refunded to herTo 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, street address, date of birth, and other information that will allow us to reasonably identify themNetSpend is compliant with the laws concerning the prepaid debit cardThis information is displayed on the outside of our card packagingThe information provided while attempting to activate the card could not be verifiedWhen we spoke with Ms*** on June 10, 2015, she said she does not feel comfortable providing information over the phoneWe converted her card to a limited use statusShe will be able to spend the money inside a retail storeNetSpend regrets the inconvenience that Ms*** experienced while trying to activate the cardShe has been given my contact information should she have any further questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern: Thank you for forwarding Mr***’s complaint to usWe 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 them. The requirement to obtain this information is displayed in the envelope that we send with the card offer. We attempted to reach Mr*** by phone and email on September and September but unfortunately, were unable to speak with Mr***We emailed him on September 29, outlining our actions to resolve his complaintA refund check for the full balance will be mailed to the address on file and should be received within 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:As I have proven, and submitted my identity was stolenI have talked to alarmist all of the creditors and they each have photographs of the person who used the cardIt was not meI ask that you re-open this investigation immediatelyI have contacted an attorney due to the amount of time it has taken to receive money that is lawfully and legally mine.
Regards,
*** ***

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning a Netspend card she purchased as a gift for her son.We are required by the USA PATRIOT Act to obtain, verify, and record information that identifies each person who opens a card account
with usThe requirement to obtain this information is displayed on the inside flap of the card package and is visible to consumers prior to purchaseThe card package also states that use of the card is limited prior to identity verification and that it is not a gift card.On June 4, 2016, Ms*** purchased a Netspend card with $loaded on itMs.***’s son contacted our Customer Service Department on July to activate the card; however, our Customer Information Program was unable to automatically verify his identity A temporary restriction is placed on account and we requested Mr*** to send us identity documents in order to approve full activation of the card We have not received the requested documentation.A member of our Corporate Response Team spoke to Ms*** and her son on August 11, to discuss the options available for retrieving his fundsMr*** requested to close the account and have us mail him a check for his funds to the address on fileHe should receive this check within ten business days.We have provided Ms*** and her son with our contact information should they 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 a NetSpend Prepaid Visa card he received as a gift. We are required by the USA PATRIOT Act to obtain, verify, and record information that identifies each person who opens a card account
with usThe requirement to obtain this information is displayed on the inside flap of the card package and is visible to consumers prior to purchaseThe card package also states that use of the card is limited prior to identity verification and that it is not a gift card.Mr*** card was purchased on February 7, 2016, and loaded with $ On September 5, Mr*** contacted us to activate his card, but he did not want to provide his identity information The fees associated with Mr*** card were included in the Cardholder Agreement he received with his card and states that the Account Maintenance Fee of $per month applies if there is no activity, such as a purchase, cash withdrawal, load transaction, or balance inquiry for days.A member of our Corporate Response Team spoke to Mr*** on September We reimburssed the account maintenance fees back to Mr*** account balance and requested a refund check to be mailed to his address on file He should receive this check within business days.We have provided Mr*** with our contact information should he 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
Thank you I got my money
Regards,
*** ***