Realcor Developments Ltd.

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Mr*** states that his auto insurance payment did not go through online but it was taken out of his NetSpend cardHe wants his money returned to the card balanceOn June 1, 2015, Empower
Insurance Group charged Mr***’s card $He disputed the transaction the next day when they collected the fundsWe updated his disputes claim after ten business days with the final date of August 3rdNo provisional credit was issued on this type of claim of the merchant not providing the servicesWe have no further information until the insurance company responds to the claim we have filed on behalf of Mr***NetSpend understands the disputes process is a lengthy oneWe appreciate Mr***’s patience as we attempt to retrieve his fundsWe have provided him with our contact information should he have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Tuesday, January 17, 2017To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning a NetSpend Card Account offer that was sent to her address.NetSpend relies on affiliate marketing services as a source for reaching potential new customers and Card
Account 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 Account 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 reached out to Ms*** on January 12, to discuss the offer she receivedThe Card Account offer sent to Ms*** is permanently blocked and the name, address and email have been removed from our mailing list She 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 name and address were obtained That information will be conveyed to Ms*** once it is received 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 additional comments on complaint # *** filed with your office by *** ***l concerning the inconvenience she experienced with the blocking of her account and the pending of her remaining fundsOur Risk Management Team closed Ms*** account on March 21, 2016. Her deposit from the IRS was pended by our Risk Management Team and they requested a review from the Internal Revenue Service. The IRS determined the funds should be released to Ms*** on April 1st. We spoke with Ms*** on April 4th, and informed her of the IRS decision. She will receive her check for the remaining funds within ten business daysNetSpend regrets the inconvenience that Ms*** experienced as a result of the blocking 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 her disputes claims.On May 23, 2016, Ms*** reported several unauthorized transactions that posted to her account We immediately blocked her card to prevent any further unauthorized
use We opened a dispute claim and promptly began our investigation On May 25, Ms*** reported an additional unauthorized transaction that was not included on her previous claim We immediately opened a new dispute claim and began our investigation. Upon receipt of her complaint, we reached out to Ms*** on May to discuss her dispute claimsWe explained the dispute process and advised we will have an update on her claims on June and 9.We apologize for the 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 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 *** *** concerning her dispute claim On December 11, 2016, Ms*** contacted us to report two transactions that posted to her card account for items she ordered and did not
receive. We promptly opened a dispute claim and began our investigation. We also informed Ms*** of the investigation timeframe afforded under Regulation E. On January 10, 2017, we concluded our investigation and no credit was issued for the disputed transaction as we did not find an error occurredThe error was not reported within sixty calendar days after electronically accessing the account once the error first appeared in Ms*** electronic transaction history. A member of our Corporate Response Team spoke with Ms*** on January 17, concerning the resolution of her dispute claim. As a courtesy, we issued full reimbursement for the disputed transactions. We also refunded the associated fees We have provided Ms*** with our contact information in case she has any further 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
I am still very upset at the lengths which I had to go and the enormous amount of time I had to spend on the phone, resulting in this very complaintAll of this could have been completely avoided
Regards,
*** ***

Complaint: ***
I am rejecting this response because:
THe companys response does not address anything I discussed in my last response, and inistead pretty much just reinstates what they said the first timehey have broken numerous laws and policys, and refuse to send the documentation they are lelgally obligated to provide to me ,stating "security reasons" as the reason whyThe LAW dos not allow them to refuse to provide me the documentaiion I have requested, and their policy clearly states that it is subject to applicable lawTherefor, I reject their letter, and willf file nesssary charges in a coiurt of law, and will once again have to request more damages due to their lack of dilligenceI wish it did not have to come to this.
Regards,
***-*** ***

To Whom It May Concern: We received complaint # 1*** filed with your office by *** ***, concerning a card that was mailed to her that she did not orderShe’s requesting for NetSpend to remove her information from the system so that she does not receive future card offers.
NetSpend works with third party marketing partners that provide us with information for consumers who may need a service like our prepaid debit cardWe mail those consumers card offersThe card offer is not active and the card cannot be used unless activatedOur activation verifies the identity of each potential cardholder as a part of our Customer Information ProgramThis ensures that the card can only be used by the intended recipientDuring the offer activation, we collect social security number and date of birth to verify identity onlyThere is no credit check involved because our Prepaid Debit Card is not a credit card. The primary cardholder must be at least years of age. On December 21, 2015, we reached out to Ms*** by telephone and email. We have not had the opportunity to speak with her, but will address her concerns when she returns our call. We have cancelled the card offer that sent to her, and have updated our systems to prevent future card offers from being sent to Ms***. Additionally, we have submitted a request to our Marketing Department in order to obtain information on how her name and address was obtained. We will convey that information to her once it is received. We regret any inconvenience Ms*** experienced as a result of this card offer. 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

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning the inconvenience that she’s experienced while waiting to have an account block removed so that she can receive transferred fundsShe’s requesting for the block to be removed from her accountAs
a protection to prevent possible account compromise, a transfer block occurs on new accounts after activation, to prevent transfer of funds between accountsThis block does not hinder the card or account functions, only the transfer between accountsThe block can be removed by our Fraud Department after a request is submitted to them to remove the transfer blockThe processing time for the review is four business hoursThe Fraud Department hours are AM - PM Monday through Friday, AM - PM on Saturday, and they are closed on SundaysOn January 7, at 9:PM CST, a call was made to transfer funds to Ms***’s accountOur customer service informed the caller of the cardholder transfer block, and advised the caller that a request to remove the block would be processed in four business hoursOur Fraud Prevention Team reviewed Ms***’s request and removed the block on January 9thFeedback has been provided to our Fraud Department management team as a result of the delay in addressing the account block.We reached out to Ms*** on January 14th, but not had the opportunity to speak with herWe will address her concerns when she returns our callNetSpend regrets the inconvenience that Ms*** experienced as a result of the delayed removal of the cardholder transfer blockWe have provided her our contact information should she have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Tuesday, February 7, 2017To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning his direct deposit. On February 12, 2016, Mr*** ordered a Netspend Card Account through Turbo Tax We mailed a card to the address provided on the Turbo
Tax website and that card was activated on February A state tax refund deposit posted to the Card Account on March 25, and the funds were spent using the active card Mr*** contacted our Customer Service Department on January 30, 2017, to inquire about his tax refund deposit sent from IRS We informed him of how to request information from the IRS about his refund We also confirmed that his Card Account only received a tax refund deposit from his state of residency. In response to his communication, a member of our Corporate Office attempted to contact Mr*** on January 31, 2017, to discuss his tax refund deposit We informed him by email that the federal tax refund deposit he was looking for did not come to his Card Account This is the only Card Account matching Mr*** information in our system We recommended Mr*** to contact Turbo Tax to request the routing and account number that was used for his federal tax refund depositThe Turbo Tax document Mr*** provided to us did not have that information on it We have provided Mr*** with our contact information should he have any additional questions or concerns Thank you,*** ** ***Corporate Customer Experience TeamNetSpend, a TSYS Company

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Mr*** states that there are fees for every purchase and an undisclosed maintenance fee on the NetSpend cardHe wants to have these fees refundedThe NetSpend card fees are displayed on the
package for viewing before purchaseWe also provide the card fees and terms inside the package and at the online website, www.netspend.comThe maintenance fee is charged to the card / account that have no card activity for daysWe attempted to reach him by telephone and email so we could provide ways to avoid and minimize some card feesWe will assist him when he calls backNetSpend regrets the inconvenience that Mr*** experienced while using his cardHe has been given my contact information should he have any further questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: ***
I am rejecting this response because:the freeze that had been placed on my account was not taken off until days laterI was told by a NETSPEND supervisor that they would pay any charges I had gotten due to my mortgage payment being returned, however, when I stated the amount, $I was told I could not be helpedI am in jeapordy of going into foreclosure because MY arrangement for the mortgage payment was to pay ONE MONTH of $1226.00, NOT TWO, because I was working on obtaining a modificationBut being that my payment was returned, that situation voided my agreement with the mortgage company, making it so that I had to pay the amount that I was behind on, $plus what was current $1226.00, or my modification will be denied.
I PAID WHAT I AGREED TO PAY$Which is within my budgetIt is NETSPEND fault that I have to pay the other portion, alsoNETSPEND liedThis freeze was not removed the same dayThe freeze happened on a Friday afternoon, and was not removed until the following Monday afternoon. I can present actual proof to verify all that I have stated
Regards,
*** ***

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning his dispute claim On November 1, 2016, Mr*** contacted our Customer Service Department to report an unauthorized transaction that was pending on his accountWe
immediately blocked his card to prevent further unauthorized activity and ordered him a replacement cardOur agent informed Mr*** that the transactions were still in a pending status at the time and he would need to call back to dispute the charges once the merchant collected the fundsOn November 2, Mr*** contacted us because the unauthorized transaction posted to his accountWe opened a dispute claim and promptly began our investigation. We also informed Mr*** of the investigation timeframe afforded under Regulation E On November 17, we determined that Mr*** dispute claim was not eligible for provisional credit because we did not receive his letter of dispute within business days of opening his claim, but we are continuing our efforts to investigate the claim A member of our Corporate Response Team reached out to Mr*** on November 18, regarding his claim. We confirmed with him, that his claim is scheduled to be finalized by the end of the day on December The results of the investigation will be sent to Mr*** in writing within business days of completing our investigationWe 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

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meRegards, *** ***

Complaint: [redacted]
I am rejecting this response because: Nothing has been done regarding my complaint. The first attachment that says that it has been resolved came from the secure inbox in my Net spend account. They said the money had been refunded and credited to my account but it has not been. Then the CEO response team for Net spend said my claim was open still. I want this straightens out.
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because: Netspend did not try to contact me on those dates and I emailed [redacted] on 2-22 and got a phone number to reach him at.  I spoke with [redacted] that afternoon and was told to call h8m back on 2-23 for an update on my claim.  I tried calling 8 times on 2-23 and still am unable to get in touch with him. I feel they are giving me the runaround considering I sent them documentation showing I was incarcerated when these transaction to my account occurred.  Furthermorebmy dispute was for transactions on 11-25-17 and they got some from dates all thru November which I told them numerous times I was not disputing. 
Regards,
[redacted]

Thursday, September 1, 2016To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a double payment on his account. On August 30, 2016, two transactions from Comcast were authorized on Mr. [redacted] account.  Mr. [redacted] contacted us after the...

second transaction from Comcast was authorized to inform us that it was cancelled.  On August 31, Comcast collected on both transactions simultaneously.In response to this communication, a member of our Corporate Response Team spoke with Mr. [redacted] on August 31, to explain the dispute process.  Mr. [redacted] advised he will dispute the second charge from Comcast after he receives his new card in 1 – 2 business days.On September 6, Mr. [redacted] contacted us to dispute the second transaction with Comcast.  We immediately opened a dispute claim and began our investigation.  We also informed Mr. [redacted] of the investigation timeframes afforded under Regulation E.   An update will be available on Mr. [redacted] dispute claim on September 20.We have provided Mr. [redacted] with our contact information should he have any additional questions or concerns.  Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: [redacted]
I am rejecting this response because: netspend is not clear on how funds can and cannot be loaded onto the card,   if I would have about their fine print that is not publish at the time of purchase (netspend card) I would not have used the card for such reload or deposit onto it. this situation is far from being resolved   they can allow me to obtain my money and close the card if they so choose but wont.. I will further my action with the attorney general office of TEXAS
Regards,
[redacted]

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning...

the inconvenience she is experiencing with a dispute of unauthorized transactions.    Ms. [redacted] disputes claim was initiated on March 12, 2016.  On March 25th, our Disputes Department notated her account and advised that her claim was still under review, but no provisional credit was issued as a result of not receiving a letter of dispute from Ms. [redacted] within the first ten business days. A letter was sent to her requesting for a dispute statement explaining why she felt the transactions were in error.  On March 28th, we reached out to Ms. [redacted] and she responded by email.  She forwarded the email to us that she originally sent for her claim on the day it was initiated.  Our Disputes Department issued a temporary credit to Ms. [redacted] account on March 30th and the claim should be completed by April 26th.  NetSpend understands that the disputes process is lengthy, and we appreciate her patience as we attempt to retrieve her money.  We have provided Ms. [redacted] with our contact information should she have any additional questions or concerns.  Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

Hello [redacted] My case number is listed above. I never got a chance to respond to the compliant that was issued on my behalf in regards to NetSpend corporation. Can you please contact me via phone [redacted] or this email. The company has still not responded to my complaint in a timely or professional manner.