Realcor Developments Ltd.

Wednesday, June 28, 2017To Whom It May Concern:Thank you for forwarding Ms [redacted] complaint to usWe reviewed Ms [redacted] Card Account and we are in the process of resending a refund check to her address on file We attempted to reach Ms [redacted] by phone and email on June and June 26, but unfortunately, we were unable to speak with Ms [redacted] We emailed her on June outlining our actions to resolve her complaint Her case has been assigned to a Corporate Customer Response Team Analyst, [redacted] Should she contact our Customer Service Department, we have left notes on her account for her to be connected with [redacted] 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 concernThank you, [redacted] Customer Experience AnalystNetspend, a TSYS Company

Friday, March 30, To Whom It May Concern: Thank you for forwarding the additional comments regarding Mr [redacted] complaint [redacted] to usAs you requested, we addressed this matter directly with Mr [redacted] on March 20, by telephoneWe have requested for Mr [redacted] to forward the additional information regarding his location during the disputed timeframeThis documentation will be reviewed when it is receivedThank 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

Complaint: [redacted] I am rejecting this response because:I tried numerous times to call [redacted] back after he called. Send emails and continued to phone him. No response.Just another example of their lousy customer service. Regards, [redacted] ***

Wednesday, March 29, 2017To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a pending transaction on his Card AccountOn March 1, 2017, Mr [redacted] contacted us to report that an authorization from Foot Locker was cancelled We requested Mr [redacted] to provide us with documentation from the merchant that would confirm they do not intend on collecting the funds, in order to release the funds back into his available balance If a cardholder requests a release before we receive the merchant’s settlement request, we require written confirmation from the merchantThis requested confirmation is for the protection of our cardholders as well as merchants who, having received authorization for a transaction, have the right to collect for legitimate transactionsA member from our Corporate Office reached out to Mr [redacted] on March 27, to explain the pending transaction and automatic release timeframe As a courtesy, the pending transaction was released back into his available Card Account balance on March We emailed him information about the released transaction and advised that our release is not a stop payment or cancellation of the original transaction We apologize for the information Mr [redacted] received from 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 proceduresMr [redacted] has been provided with our direct contact information should he have any additional questions concerning this matter Thank you, [redacted] Senior Customer Experience SpecialistNetspend, a TSYS Company

Thursday, April 27, To Whom It May Concern:Thank you for forwarding Mr [redacted] ***’ complaint # [redacted] to usAs you requested, we addressed this matter directly with Mr [redacted] on April 20, by way of telephone and e-mailThank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concernMr [redacted] has been provided with our direct contact information should he have any additional questions concerning this matterThank you, [redacted] Customer Experience Specialist Netspend, a TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning the fees associated with her accountOn April 4, 2016, [redacted] activated her ACE Elite prepaid card on our websiteAt the time of activation, [redacted] agreed to the terms and conditions of the card and the associated feesUpon receiving her complaint, we spoke with [redacted] to on May to explain the account feesAs a courtesy, we refunded the transaction fees associated with [redacted] ’s card and enrolled her in the Fee Advantage PlanWe provided [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: We received complaint # [redacted] filed with your office by [redacted] concerning her inconvenience with activating her card, and receiving her direct depositShe’s requesting to receive her paycheck 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 themThis information can be found on the outside of our card packaging On December 4, 2015, Ms [redacted] attempted to activate her new NetSpend card Additional information was needed to activate her account, and our customer service requested for her to send in identity documentsThe documents received were not acceptable to complete the account activation When the direct deposit arrived on December 16th, it could not be posted Each Automated Clearing House (ACH) deposit has a settlement date by which it must be posted to the account, or returned to the senderHer ACH deposit was rejected and returned to the sender on December 17th, as a result of her account not being approved by that time We reached out to Ms [redacted] at the telephone numbers and email address provided We have not had the opportunity to speak with her, but will address her concerns when she returns our call We apologize for the inconvenience that she experienced while attempting to activate her card and receiving her depositWe 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

To Whom It May Concern:We received complaint # [redacted] filed with your office by David *** Mr [redacted] states that Netspend has not posted a cash load of $he made at Walgreens He’s requesting his money be posted for use On February 19th, Mr [redacted] loaded $onto his Netspend card at a Walgreens which had not postedOn March 1st, I contacted Mr [redacted] requesting that he send me receipt copies to reflect the cash loadWe received the receipt copies and posted the credit to his account on March 4th.NetSpend regrets any inconvenience Mr [redacted] experienced while waiting for the credit to post onto his card He has been given 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: Thank you for forwarding Mr [redacted] complaint to usAs you requested, we addressed this matter directly with Mr [redacted] on August 15, by way of telephoneIf 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, [redacted] Customer Experience Analyst Netspend, a TSYS Company

Complaint: [redacted] I am rejecting this response because: Apparently this guy is just a robot because he's saying the same exact thing he said the last time and I refuse to give anymore energy to this fraudster! I have not contacted them back because I will allow my lawyer and the courts to do that! It's very clear that this is what he's been trained to say and there is no need in continuing to waste my breath! I'm just grateful that I've found SEVERAL other customers that this is has happened to and I will go forward from there Regards, [redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a disputed ATM transaction that did not dispense funds She’s requesting to be reimbursed for the disputed transaction On November 1, 2015, Ms [redacted] called our customer service to advise them of an ATM transaction did not dispense the $that she requestedOur customer service created a disputes claim for the ATM transaction, and informed Ms [redacted] that we would provide an update within ten business days, on November 16th On November 9th, our Disputes Department provided an update that Ms ***’s claim was still under investigation, and a provisional credit was issued to her accountThe claim can take up to days from the claim creation date to finalizeIf the claim is successful, no further action will be required since Ms [redacted] has been issued a provisional credit for the disputed amount NetSpend understands that the disputes process is lengthy, and we appreciate Ms***’s patience as we attempt to retrieve her funds We have provided her 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] Ms [redacted] mentions that she disputed an ATM transaction and has yet to receive her moneyShe’s requesting the disputed transaction to be refunded to herMs [redacted] ’s disputes claim was initiated on August 28, On the 10th business day of her claim, our Disputes Department notated her account and provided an update advising that it was still under review, but will be resolved by October 9thNo provisional credit was issued for Ms [redacted] ’s disputes claim as a result of not receiving her letter of dispute within the first business days of her disputes claimHowever, three days after the initial timeframe, September 17th, we received a letter of disputes from Ms [redacted] Her claim was successful, and she received a full pay out of the disputed amount and associated fees on October 9thNetSpend understands that the disputes process is lengthy, and we appreciate Ms [redacted] ’s patience as we attempt to retrieve her moneyWe have provided her with our contact information should she have any additional questions or concernsThank 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 as long as the notarized paper my daughter sent on march 30th to verify her identity is enough and no social security card or any other paperwork will be required as agreed by netspend Regards, [redacted]

Complaint: [redacted] I am rejecting this response because: the complaint still are unresolved and the money that are keeping from is putting me behind in bills and I'm unable to provide for my month old daughterWhich sense then she ran out of milk and diapersWhich resolves me to borrowing money and being put in debt Regards, [redacted]

We received complaint # [redacted] filed with your office by [redacted] concerning a pending transaction on her Card Account On March 2, 2017, we received an authorization request from the merchant, Wayfair, on Ms***’s Card AccountShe contacted us on that same day, and reported the transaction was cancelledWe requested Ms [redacted] to provide us with documentation from the merchant that would confirm they would not be collecting on the transaction in order to release the funds back into her available balance If a cardholder requests a release of a pending transaction before we receive the merchant’s settlement request, we request written confirmation from the merchant advising that the transaction will not be collectedWe 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 A member of our Corporate Office spoke with Ms [redacted] on March 22, We were able to release the pending transaction back into Ms***’s available balance As a courtesy, we expedited a new card to her address on file and waived the shipping cost We are sorry to hear that Ms [redacted] had a bad experience with our Customer Service Department We have reported this incident to the management staff of the customer service agents she spoke with to ensure that they receive appropriate coaching on our policies and procedures We have provided Ms [redacted] with our contact information should she have any further questions or concerns Thank you, [redacted] Senior Customer Experience Specialist Netspend, a TSYS Company

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning a deposit that she is unable to access without a card She’s requesting access to her funds On January 28, 2016, Ms [redacted] ordered a new NetSpend card while processing her tax refund through Turbo Tax Her tax refund deposit arrived to her account on February 2nd and she contacted us two days later to inform us she had not received her card We explained the card order was still within the – business day delivery timeframe We ordered her a second card on February 5th to be express shipped She received and activated the original card order on February 8th, which was within the standard delivery timeframe We reached out to Ms [redacted] on February 11th by telephone and email We have not spoken with her, but will assist her when she returns our call NetSpend regrets any inconvenience that Ms [redacted] experienced with receiving the card to her addressShe 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

Tuesday, June 20, To Whom It May Concern: Thank you for forwarding Mr [redacted] complaint # [redacted] to usAs you requested, we addressed this matter directly with Mr [redacted] on June 20, by way of telephoneWe emailed him the details of the actions to resolve his complaint the same dayThank 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

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] Mr [redacted] mentions not receiving prior notice that his card would be blocked when filing an unauthorized disputes claim For our customer’s convenience, NetSpend allows disputes claims to be filed online or by notifying our customer service of a dispute through the secure inbox This would also be used as their letter of disputeOn March 26, 2016, Mr [redacted] sent an online message mentioning the merchant [redacted] charged his account for an authorized transaction after he had previously cancelled service with themWe blocked the card to prevent any additional charges from this merchantA replacement card order was requested to his address on file and he should receive this within 7-business days On March 28, 2016, I spoke with Mr [redacted] briefly by phone to address his concerns, but he continued responding via emailI ordered Mr [redacted] another card to be expedited free of chargeMr [redacted] acknowledged he had no further questions.NetSpend regrets the inconvenience that Mr [redacted] experienced with his card being blocked due to his dispute 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] ***Mr [redacted] states that his card was declined, although he had sufficient fundsHe’s requesting for his card to work, or he would like to receive a refund for the remainder of his fundsOn October 6, 2015, we reached out to Mr [redacted] by telephone and emailWe have not spoken with him as of yet but will assist him when he contacts usWe apologized for the declines that he received with the merchant transactionsOur system did not show any attempts to use the card during the period that Mr [redacted] mentioned, and there were no reported outages from NetSpend regarding card transactionsWe have contacted VISA to further research the declined transactions in efforts to prevent this from happening in the futureA review of Mr***s account shows completed transactions on October 2nd and 6thNetSpend regrets the inconvenience that Mr [redacted] experienced with the declined card transactionsWe have provided him with our contact information should he have any additional questions or concernsThank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern: Thank you for forwarding Mr [redacted] complaint to usAs you requested, we addressed this matter directly with Mr [redacted] on March 1, by way of telephone, e-mail, or letterIf a letter has been sent, it should be received within the next five business daysWe are sorry to hear that Mr [redacted] 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 proceduresThank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concernThank you, [redacted] Customer Experience Analyst Netspend, a TSYS Company