Realcor Developments Ltd.

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning NetSpend cards that she did not request that were mailed to her addressShe’s requesting for NetSpend to stop sending her cards and to know how we obtained her information 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 cardOn February 9, 2016, we reached out to Ms [redacted] by telephone and email We have not had the opportunity to speak with her, but will address her concerns when she returns our callWe have canceled the card offer that was sent, and have updated our systems to prevent future card offers from being mailed to her address Additionally, we have submitted a request to our Marketing Department in order to confirm how Ms [redacted] ’ name and address were obtainedWe will convey that information to her once it is received We regret any inconvenience that Ms [redacted] experienced as a result of this card offerShe has been given our contact information should she have any additional questions or concerns Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

To Whom It May Concern: We received complaint # [redacted] filed with your office by J [redacted] concerning a block on his account that was caused by a merchant refundHe’s requesting access to his funds Our Fraud Prevention Team regularly monitors account activity in order to provide a safe and secure product for all of our cardholdersOn January 7, 2016, a systemic block was placed on Mr [redacted] account after Refund IE credited his card $In the event that a refund takes place on a NetSpend account with no corresponding debit, it’s our policy to request a copy of the original purchase receipt in order to authenticate the refundThis policy is in accordance with our responsibilities under the VISA processing rulesThe merchant can also reverse the credit and issue the funds to Mr [redacted] by another method of reimbursement A third option would be for the merchant to send a Letter of Indemnity to NetSpend so that the funds can be returned to the originatorThe originator would then apply the credit by other meansOn February 2, 2016, we spoke with Mr [redacted] We informed him that we would call the merchant that issued the refund credits in an effort to resolve his account block After review, our Fraud Prevention Team removed the block on his account on February 3rd NetSpend regrets the inconvenience that Mr [redacted] experienced as a result of the block on his accountAdditionally, we apologize for the inconvenience that he encountered with our customer service and are currently reviewing the call recordings to determine the appropriate actions that should be takenHe has my contact information should he have any further questions or concernsThank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] Mr [redacted] mentions a card offer sent to a minor childHe wants to know why his year old daughter got the card in the mailNetSpend 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 activatedDuring activation, NetSpend 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 card offer activation, we collect social security number and date of birth to verify identity onlyWe do not know the age of the recipient until activationWe spoke with Mr [redacted] on June 5, He gave us the necessary information to locate his daughter’s card offerWe informed him that we only have his daughter’s name and addressWe closed that offer and blocked her information from receiving card offers in the futureOnce we receive the details on the source of his daughter’s information, we will relay it to Mr [redacted] NetSpend regrets the inconvenience Mr [redacted] experienced due to the card offer sent to his childHe has been given our contact information should he have any additional questions or concernsThank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

Thursday, January 07, 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 $sooner than the standard timeframeIn an effort to protect NetSpend cardholders, our Risk Management Department regularly monitors their accounts to prevent compromising activity, or unacceptable account usageOur Risk Management Team identified risk factors that led to the blocking of Mr [redacted] ’s account on November 28, 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-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

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning her refund checkWe are required 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 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 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 the fees are listed on the outside cover for viewing before purchasingOn February 6, 2016, Ms [redacted] contacted us to activate her cardThe identity information she provided could not be verified and our Customer Service Department requested identification documents to manually approve her accountMs [redacted] requested to close the account and send her a checkA check was mailed to the address on file on February Ms [redacted] contacted us on March to inform us she had not received her checkThe check was returned back to NetSpend as undeliverable on March We mailed a second check to her address on March 24, and it was also returned to us on April Upon receipt of her complaint, we spoke with Ms [redacted] on April and verified the account informationA correction was made to Ms [redacted] ’s information and her account was approvedMs [redacted] activated her card and gained access to her funds.Ms [redacted] has our contact information should she have any additional questions or concernsThank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

Wednesday, October 4, To Whom It May Concern: Thank you for forwarding Ms [redacted] ***’s complaint [redacted] to usAs you requested, we addressed this matter directly with Ms [redacted] on October 3, by way of telephoneWe informed Ms [redacted] by email on that same day, of our actions to resolve her complaintThank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concernThank you, [redacted] * [redacted] Customer Experience Specialist Netspend, a TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] Ms [redacted] states that she did not receive a deposit for $on March 3, She wants the deposit, a $credit for aggravation, and an apologyOn June 19, 2015, we called Ms [redacted] and sent her an emailThe first deposit from Social Security Administration for $posted to Ms [redacted] ’s NetSpend account on February 26, This was the deposit for March 3rdNetSpend posts the Automated Clearing House (ACH) deposits when we receive them from the senderWe instructed Ms [redacted] to review the transactions at the online account centerNetSpend regrets any inconvenience Ms [redacted] experienced as a result of the early posting of her depositWe have provided her with our contact information should she have any additional questions or concernsThank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

Tuesday, January 16, To Whom It May Concern: We appreciate Ms [redacted] ’s additional commentsAfter re-review, we’ve determined that her claim was handled correctly A letter informing Ms [redacted] of the claim decision has been mailed to her address on file on January 2ndThank you for bringing this matter to our attentionThank you, [redacted] Customer Experience AnalystNetspend, 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 meI have been corresponding with Mr [redacted] and he was kind enough to refund me my monthly account fee as well as some additional atm fee credits for which I am appreciative ofI have my replacement card now so I will consider this matter closedThank you to all those involved in the resolution of this issue Regards, [redacted]

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 Although I disapprove of the denial based on the fact that I only withdrew the funds after being coerced, the company did offer me a small credit and explained their procedure to me Regards, [redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] Ms [redacted] states that she filed her taxes but never received the NetSpend cardThe card she did not receive was used to withdraw the money at ATM’s and purchase money ordersShe wants a refund of the money that she never had an opportunity to spendOn May 8, 2015, Ms [redacted] called NetSpend to dispute transactions that occurred on the card in her nameShe told us that the tax preparer stole the card and completed the transactionsAfter our initial investigation of ten business days, May 22nd, we closed the disputes claim with no error foundWe recommended Ms [redacted] submit a claim with the IRS at www.irs.gov, or call ###-###-####, to attempt to recover her fundsNetSpend regrets the inconvenience Ms [redacted] experienced as a result of the identity theftWe suggested that she also report the incident to the FTC (Federal Trade Commission) at www.ftc.gov/idtheft, or call ###-###-####Ms [redacted] has been given our contact information should she have any additional questions or concernsThank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: [redacted] I am rejecting this response because:my complaint about my card being stolen has not been resolved there is almost $in charges on my card that I need access to, I even sent in the police report number but still do not have the money back on my card, my mother is disabled and our car was also stolen not just my NetSpend card, my mother's Walker was in the car we desperately need the money that was stolen from my car to be reimbursed asap! We cannot wait weeks or even one week! [redacted] *** Regards, [redacted] ***

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 Thanks they've reach out to me after contacting you guys and federal commission They return funds that I was reporting You guys rock it made them do something that they wasn't previous doing Regards, [redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] - [redacted] concerning a block on her account that was caused by a merchant refundOur Fraud Prevention Team regularly monitors account activity in order to provide a safe and secure product for all of our cardholdersOn March 16, 2016, a systemic block was placed on Ms [redacted] - [redacted] ’ account after she received a refund from a merchantIn the event that a refund takes place on a NetSpend account with no corresponding debit, it’s our policy to request a copy of the original purchase receipt in order to authenticate the refundThis policy is in accordance with our responsibilities under the MasterCard processing rulesOn March 29th, I spoke with Ms [redacted] - [redacted] to address her concernsShe had made a previous purchase with WOODFIELD HOTELS, but received a refund for a larger amountI requested Ms [redacted] - [redacted] to send me her stay folio with the hotel The merchant later emailed the document to me and included details of the refundOn March 31st, our Risk Management Team was able to verify the refund with the merchant and released the funds back to Ms [redacted] - [redacted] ’ account.NetSpend regrets the inconvenience that Ms [redacted] - [redacted] experienced as a result of the block on her accountShe has my contact information should she have any further questions or concernsThank you, [redacted] ***Corporate Customer Response TeamNetSpend A TSYS Company

Friday, January 26, 2018To Whom It May Concern:Thank you for forwarding Mr [redacted] complaint [redacted] to usWhen a refund is received on a Card Account that does not correspond with a prior debit transaction on that Card Account, or a refund is received that exceeds the amount of the original purchase transaction, it is our policy to request the original purchase receipt to authenticate the refund in accordance with our responsibilities under the Visa/MasterCard Processing Rules, or return the funds back to the merchant As you requested, we addressed this matter directly with Mr [redacted] on January 18, by way of telephone We provided further insight on the funds that were returned back to the merchant Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concernThank you, [redacted] Customer Experience Specialist Netspend, a TSYS Company

Good Afternoon, This issue has been resolved I received all of my money back Friday Thank you for your help [redacted] ###-###-####*

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning her card activationWe 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 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 the fees are listed on the outside cover for viewing before purchasingOn June 12, 2016, Ms [redacted] attempted to activate her new account, but her identity information could not be automatically verifiedWe requested her to send documentation to verify her identityUpon receiving her complaint, we reached out to Ms [redacted] on June 15, but unfortunately, we have not had the opportunity to speak with herMs [redacted] responded via email and we provided her with a list of acceptable documentation that could be used to approve her accountWe will review her documents once they are received.We apologize for the service that Ms [redacted] experienced with our Customer Service DepartmentWe have reported this incident to the management staff of the customer service agent she spoke with.We have provided Ms [redacted] with our contact information should she have any additional questions or concernsThank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern: Thank you for forwarding Ms [redacted] ’s complaint to usAs you requested, we addressed this matter directly with Ms [redacted] on October 19, 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 concern.Thank you, [redacted] Customer Experience Analyst Netspend, a TSYS Company

Hi, My dispute has been resolved thank you!!

Friday, August 4, To Whom It May Concern: Thank you for forwarding Ms [redacted] ’ complaint # [redacted] to usAs you requested, we addressed this matter directly with Ms [redacted] on August 4, by way of telephoneWe sent Ms [redacted] an email detailing the actions taken on her account to resolve her concerns on August 2, and Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concernThank you, [redacted] Customer Experience Specialist Netspend a TSYS Company