Realcor Developments Ltd.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Still sending credit cards active or not through the mail is unsafe at best, I'm currently a victim of identity theft from a group much like this company. They should practice better customer protection especially when the customer hasent been notified they are a customer. 
Regards,
[redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a refund check that she has not received. On July 10, 2016, Ms. [redacted] attempted activate a new Netspend account; however, a restriction was placed on her account due to negative...

balances on previous accounts.  Unfortunately due to this account activity, Ms. [redacted] is no longer eligible for products managed by Netspend. We mailed a refund check to Ms. McClain’s address on file on July 13. She should have received the check within ten business days.  On August 8, Ms. [redacted] contacted our Customer Service Department to inform us she had not received the check.A member of our Corporate Response Team attempted to reach Ms. [redacted] on August 9, regarding the check and to confirm the address, but have not had to opportunity to speak with her. We left several voicemails to inform Ms. [redacted] that we will be mailing another check to the same address on August 15.  Ms. [redacted] should receive this check within ten business days.We have provided Ms. [redacted] with our contact information should she have any additional questions or concerns.  Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern:   We received complaint # [redacted] filed with your office by [redacted] concerning a NetSpend Prepaid Card offer he 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 relationships. A 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 information. Because NetSpend feels strongly about customer privacy, we only contract with marketing affiliates that have collected the information from willing consumers 18 years of age and older and have received permission to share it with us.   The offer is not active and cannot be used unless activated. During activation, NetSpend verifies the identity of the person activating the offer to ensure that the card offer can only be used by the intended recipient. If the recipient cannot be verified, then the offer cannot be activated.   In response to his communication, a member of our Corporate Response Team spoke with Mr. [redacted] to address his concerns.  Unfortunately, he did not have the card number to provide us to assist with locating the account and will contact us at a later time.  We will remove Mr. [redacted] name and address from our mailing list and ensure the card offer he received is blocked and closed. If Mr. [redacted] requests we can submit a request to our Marketing Department to provide him information concerning how their name and address were obtained.    We have provided Mr. [redacted] with our contact information should he have any additional questions or concerns.    Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

Monday, October 30, 2017 To Whom It May Concern: Thank you for forwarding Ms. [redacted]’s complaint [redacted] to us. As you requested, we addressed this matter directly with Ms. [redacted] on October 26, 2017 by way of telephone. We informed Ms. [redacted] by email of our actions to resolve...

her complaint. Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concern. Thank you, [redacted]Customer Experience Specialist Netspend, a TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted]. Mr. [redacted] mentions that a deposit hold was placed on his card by a car rental company. He requests the pending funds to be released back into his card balance. On September 6, 2015, Payless Car...

Rental charged Mr. [redacted]’s card two times, $350.49 and $173.50. Both transactions remained pending until the merchant collected for the amount they were due for the services rendered. The second transaction posted on September 10th when the merchant collected $103.90. The additional hold amount minus the $1 transaction fee credited to the card balance, $68.60. On the first transaction, $45.59 was returned to the card balance while $304.90 remained pending. In order to release this pending transaction, we required that Mr. [redacted] send a copy of the closed rental contract to verify that the terms of the contract had been met. We received the document and released the funds to Mr. [redacted]’s card balance on September 13th. NetSpend regrets the inconvenience that Mr. [redacted] experienced as a result of the pending transaction. We have provided him with our contact information should he have any additional questions or concerns. Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

Friday, July 31, 2015To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted].  Mr. [redacted] states that he always gets his deposits a week early and he is concerned that the first of August is on a Saturday.  He wants to have a set date to get paid each...

month.  NetSpend receives deposits to our cardholder’s accounts by Automated Clearing House (ACH).  The employers or government agencies send the deposit with indentifying information so it arrives to the intended account.  This information includes a settlement date, which is the latest date the funds must be posted to the account.  The process through ACH can take 3 – 5 days.  NetSpend does not control this process.  When we receive the ACH files, we post them to the designated accounts.  Mr. [redacted]’s recent benefit deposit from VACP Treasury was received on July 27, 2015, and it posted within an hour of receipt.  This is four days earlier than the settlement date posting he would get from a regular banking establishment.  We will continue to post the ACH deposits when we receive them from the sender.  We hope Mr. [redacted] appreciates us posting the deposits in this manner.  NetSpend does not control the ACH process so we cannot guarantee a set date each month for the posting of his deposit.  Should Mr. [redacted] have any further questions or concerns, he can reach us at ###-###-####.  Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Netspend contacted me right away. [redacted] was very professional and understanding. I was very satisfied with the resolution.
Regards,
[redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a credit reversal with [redacted] Insurance.  On May 9, 2016, Mr. [redacted] contacted Netspend because he made an authorized ACH payment to [redacted] Insurance. [redacted] also credited his...

account but mistake in the form of an ACH deposit. Mr. [redacted] requested that we reject the ACH deposit and send it back to [redacted] Insurance. We attempted to send the ACH deposit back to [redacted] on May 9, but the ACH deposit was not accepted due to an incorrect trace number.  We sent the ACH deposit back to [redacted] with the correct trace number and provided this information to Mr. Lopez.  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

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning a card he purchased, but thought was a gift card. He’s requesting to be reimbursed for the funds loaded to the card.  The NetSpend packaging that comes with the card has important...

information that notifies the consumer of basic fees that are associated with the account. We also disclose on the front of the card packaging that it is not a gift card. We apologize if [redacted] was given different information than what was written on the package. The card fees and other useful information pertaining to the card can be found on the website, www.netspend.com. We spoke with [redacted] on January 22, 2016 and addressed his concerns. He will receive a refund check within 10 business days. NetSpend regrets the inconvenience that [redacted] has experienced with our product. We have provided him with our contact information should he have any additional questions or concerns.  Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

To Whom It May Concern:   Thank you for forwarding Ms. [redacted] complaint to us. We reviewed Ms. [redacted] card account and 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 them.  The requirement to obtain this information is presented on the card packaging prior to purchase and within the terms and conditions that are provided with the card. Our records confirm that Ms. [redacted] direct deposit was returned to the originator on May 17, 2017.  Once a deposit is returned, it can take up to 6 business days to be received. We attempted to reach Ms. [redacted] on May 24, 2017 by way of telephone and email but unfortunately, were unable to speak with her. We sent Ms. [redacted] an email outlining our actions to resolve her complaint.  If a letter has been sent, it should be received within the next five business days. Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concern. Thank you, [redacted] Customer Experience Analyst Netspend, a TSYS Company

Thursday, January 07, 2016 To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning the closure of his account and his remaining funds.  He is requesting to receive his refund check of $75 sooner than the standard timeframe. In an effort...

to protect NetSpend cardholders, our Risk Management Department regularly monitors their accounts to prevent compromising activity, or unacceptable account usage. Our Risk Management Team identified risk factors that led to the blocking of Mr. [redacted]’s account on November 28, 2015.  He is no longer eligible for NetSpend services.  The factors that lead to the account closure are kept internal for security reasons.  A check for the remaining funds on that card has been requested and will be in the mail within 3-5 business days.  We attempted to speak with Mr. [redacted] on January 6th and 7th to address his concerns.  We apologize for any misinformation he received regarding the amount of time for a refund check to be received.  NetSpend regrets the inconvenience Mr. [redacted] experienced as a result of his account closure.  We have provided him with our contact information should he have any additional questions or concerns.  Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

Complaint: [redacted]
I am rejecting this response because:They are giving me the same response 
Regards,
[redacted]

To Whom It May Concern: Thank you for forwarding Ms. [redacted]’s complaint to us. As you requested, we addressed this matter directly with Ms. [redacted] on October 19, 2017 by way of telephone, e-mail, or letter. If a letter has been sent, it should be received within the next five business days. Thank...

you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concern.Thank you, [redacted] Customer Experience Analyst Netspend, a TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted]. Ms. [redacted] states that her card was used fraudulently and she incurred fees that were not refunded. She wants to receive credit for disputed transactions, the fees that resulted from the charges,...

and a replacement card. On July 15, 2015, we reached out to Ms. [redacted] by telephone and email. She disputed transactions as fraudulent on June 25th. We informed her that the disputes claim would be updated in ten business days, July 9th. Her disputed charges and the fees that resulted from the fraudulent activity have been credited to her account on the tenth business day. The card order from June 24th has not been activated, so we have rushed a second card to her address. She will receive this replacement card in 1 – 2 days. NetSpend regrets the inconvenience that Ms. [redacted] experienced due to the fraudulent activity on her card. She has been given my contact information should she have any further questions or concerns. Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

Thursday, August 25, 2015 To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning the overdraft fees associated with her account. On August 16, 2016, Ms. [redacted] completed a transaction that created an overdrawn balance greater than $10.00. This...

transaction also caused a pending overdraft fee to be placed on hold. The twenty-four hour grace period to bring the card account back to zero or a positive balance began immediately after. Later that evening, Ms. [redacted] restored the available card balance to a positive amount. If a cardholder fails to bring their Card Account back to a zero or positive balance within 24 hours from the time of the first transaction causing an overdrawn balance greater than $10.00, the cardholder will incur an Overdraft Protection Service Fee for each transaction approved after their Card Account balance was greater than $10.00 overdrawn. In response to her communication, we spoke with Ms. [redacted] on August 17, and advised the overdraft fees will not be collected from her account balance. We also informed Ms. [redacted] that automated fuel dispensers may preauthorize a transaction amount up to $100.00. We provided options to avoid the preauthorized hold at gas pumps. We apologize for the service that Ms. [redacted] 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. [redacted] with our contact information should she have any additional questions or concerns. Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

Friday, June 23, 2017 To Whom It May Concern: Thank you for forwarding Ms. [redacted] complaint # [redacted] to us. As you requested, we addressed this matter directly with Ms. [redacted] on June 19, 2017 by way of telephone. We emailed her the details of the actions to resolve her complaint on...

June 23. Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concern. Thank you, [redacted]Customer Experience Specialist Netspend a TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted]. Mr. [redacted] states that his niece could not use the NetSpend card because it was not registered. He wants the money refunded. On June 4, 2015 we spoke with Mr. [redacted] concerning the card purchased in...

2011. We informed him the card was originally loaded with $40. He provided the necessary information so we could process a check to his niece. We will mail the refund on June 12th to the address provided by Mr. [redacted]. NetSpend regrets the inconvenience that Mr. [redacted] and his niece experienced with the NetSpend card. We have provided him our contact information should he have any additional questions or concerns. Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted]. [redacted] states that NetSpend has not released her funds to her. She wants the funds released that have been held for forty days. New 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 regulations. [redacted]’ account triggered a block caused by our Risk Management Department on April 4, 2015. The details that triggered the block are kept internal for security reasons. In order to remove the block, our Risk Management Department requested documents to validate her identity. No documents were received, but [redacted] requested the account to be closed and send her the remaining funds. We mailed a check for the remaining funds on [redacted]’ account on April 9th. That check was returned to us due to invalid information on May 5th. Her address was validated and a second check was mailed to her on May 14th. NetSpend regrets the inconvenience [redacted] experienced while waiting on her check. She has been given my contact information should she have any additional questions or concerns. Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern: Thank you for forwarding Ms. [redacted]’s complaint to us. As you requested, we addressed this matter directly with Ms. [redacted] on November 10, 2017 by way of telephone, e-mail, or letter. If a letter has been sent, it should be received within the next five business days. ...

Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concern. Thank you, [redacted] Customer Experience Analyst Netspend, a TSYS Company

To Whom It May Concern:   We received complaint # 11941998 filed with your office by Verna Hollingsworth concerning her refund check. On January 14, 2013, our Risk Management Team closed Ms. Hollingsworth’s account due to risk factors that were identified with her account activity. These...

risk factors are not shared with consumers for security reasons and Ms. Hollingsworth is no longer eligible for products managed by NetSpend. On January 25, we mailed Ms. Hollingsworth a check for her remaining funds to the address on file. Our agent informed Ms. Hollingsworth that check should arrive 10-20 business days.      On January 11, 2017, Ms. Hollingsworth contacted our Customer Service Department to inform us that she did not receive her check.  A request was sent to our Accounting Department to determine the status of the check that was mailed, January 25, 2013.    A member of our Corporate Response Team spoke with Ms. Hollingsworth on January 24, 2017, regarding the status of the check.  We informed her that the check has cleared and we are unable to reissue the funds.  A copy of the cleared check was sent to Ms. Hollingsworth for her records.    We have provided Ms. Hollingsworth with our contact information should she have any additional questions or concerns.    Thank you,   Synina Villalon Corporate Customer Response Team NetSpend A TSYS Company