Realcor Developments Ltd.

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning a refund check that he has not receivedOn September 22, 2016, Mr [redacted] contacted our Customer Service Department because someone attempted to access his account without his authorization Mr [redacted] requested that his account be closed and have his remaining balance mailed to him The refund check was mailed on September 27, to his address on file The check was returned back to us on October 18, as undeliverableWe placed the funds back on to the account until we could verify the address Mr [redacted] provided Mr [redacted] spoke with our Customer Service Department on October 19, and updated his addressIn response to his communication, a member of our Corporate Response Team spoke with Mr [redacted] on October 24, and informed him the check will be resent to the address he provided We will provide Mr [redacted] with a tracking number as soon as it becomes availableMr [redacted] should receive this check within ten business days 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

a quien pueda interesar: recibimos que# [redacted] ante su oficina por [redacted] La Sra [redacted] menciona que su tarjeta NetSpend no podría ser activado sin proporcionar información de identificaciónElla quiere la tarjeta activada o un reembolso emitido a ellaPara ayudar a la lucha del Gobierno Federal contra financiación de terrorismo y las actividades de lavado de dinero, la ley federal requiere que todas las instituciones financieras obtener, verificar y registrar información que identifica a cada persona que abre una cuenta de tarjeta de débito prepagadaCuando nuestros tarjetahabientes abren una cuenta de tarjeta, pediremos su nombre, dirección, fecha de nacimiento y otra información que permita razonablemente identificarlasNetSpend es compatible con las leyes relativas a la tarjeta de débito prepagadaEsta información se muestra en el exterior del embalaje de la tarjetaEn de septiembre de 2015, llegamos Sra [redacted] por teléfono y correo electrónico para proporcionar opciones para el uso de su tarjetaLe informó de la documentación requerida para activar completamente la tarjetaSi no quiere enviar los documentos, podemos ofrecer convertir su tarjeta para un uso limitadoUso limitado es un método en que fondos sólo pueden ser dispensados por estar en una ubicación física e iniciar transacciones de tarjeta de firma o PINUna vez que los fondos se dispensan, se cerrará la cuentaTambién podemos enviar un cheque de los fondos en su cuentaNetSpend lamenta las molestias que la Sra [redacted] experimentar al intentar activar su tarjetaHemos intentado llegar a ella, pero no han tenido la oportunidad de hablar con ellaLa Sra [redacted] tiene nuestra información de contacto tenga preguntas adicionales o inquietudesGracias [redacted] Equipo de respuesta de cliente corporativoEmpresa TSYS NetSpend A

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning the inconvenience he experienced while attempting to activate his card that was given to him as a giftHe’s requesting to activate his card for use 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, 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 In addition we inform the customer on the front of the package that this is not a Gift Card Our Risk Management Team regularly monitors account activity in order to provide a safe and secure product for all of our cardholdersOur Risk Management Team identified risk factors that led to the blocking of Mr [redacted] account on January 31, When he attempted to activate his card on February 3rd, customer service informed him that identity documents would be required to fully activate his card We spoke with MrStrand on February 4th and addressed his concerns He declined to send in the identity documents for review by our Risk Management Team and elected to receive a check for the balance on his card in ten business days NetSpend regrets the inconvenience that MrStrand experienced while attempting to activate his cardWe have provided him 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:at first it seemed they wanted to help but then they slandered and liabled me to an established business partner by saying that my card was stolen and then the business blacklisted me! I never said my card was stolen! And then they took away my overdraft privelages and started right back charging me fees that are not so simply because I’m blacklisted now.not right Regards, [redacted]

Complaint: [redacted] I am rejecting this response because Everytime I speak to a customer service rep it is a different time fame I was told on serval occasion that I was going to get credited back if I fax in a letter for the dispute, still nothing not I just spoke with Netspend on June 1,and I was told I will not get a update until June this will be a hold monthI don't understand why it is taking so long and when I ask I just get a genetic responseI would just like my refund back so I can close this account Regards, [redacted] -***

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning her disputes claims On May 11, 2016, Ms [redacted] contacted us to dispute an ACH debit transaction We immediately opened a dispute claim and began our investigationOn May 19, Ms [redacted] contacted us to dispute another transaction from the same merchant We concluded our investigation of both transactions as no error found and no credit being issuedOn May 19, Ms [redacted] contacted us requesting further review of her dispute claims After a reinvestigation, we reimbursed the disputed transactions back to the accountWe 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 the activation of her new card 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 themThe requirement to obtain this information is displayed on our card packaging Ms [redacted] attempted to activate her new account on November 16, 2016, but her identity information could not be automatically verified We requested Ms [redacted] to provide copies of her identification documents to verify her identity On November 18, Ms [redacted] contacted us to inquire about her account status We advised to resend her information since the documents we received were illegibleA member of our Corporate Response Team spoke with Ms [redacted] on November 21, and informed her that her account was fully verified and approved on November We expedited a new card to her address on file, and waived the shipping cost 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

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] ***Mr [redacted] states that his daughter received an unsolicited Brink’s Prepaid MasterCardHe’s request for NetSpend to pay for a credit report on his daughter’s behalf, and wants assurance that no additional cards will be sent to herNetSpend 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 cardThe primary cardholder must be at least years of ageOn August 14, 2015, we reached out to Mr [redacted] by telephone and emailWe requested additional information so that we could locate the card offer sent to his daughterOnce we receive the information from him, we will be able cancel that card offer and update our systems to prevent future card offers to his daughterAdditionally, we will submit a request to our Marketing Department in order to obtain information on how his daughter’s name and address was obtainedWe regret any inconvenience Mr [redacted] and his daughter experienced as a result of this card offerHe has been given 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:We received comp*aint # [redacted] fi*ed with your office by [redacted] concerning a dispute on her accountOn Apri [redacted] 26, 2016, Ms [redacted] contacted our Customer Service Department to report unauthorized transactions on her accountHer compromised card was b*ocked and we ordered her a rep*acementWe immediate*y opened a dispute c*aim and began our investigationWe a*so informed Ms [redacted] of the investigation timeframes afforded to financia [redacted] institutions, under Regu*ation EWe conc*uded our investigation on May 10, with no error found and no credit issuedWe have reason to be*ieve that the transactions were authorized and that Ms [redacted] benefited from the transactionsA *etter exp*aining the dispute decision has been mai*ed to the address on fi*eUpon receiving Ms [redacted] comp*aint, we spoke with her on May to exp*ain the dispute decisionMs [redacted] *ater provided a po*ice report and we submitted it to our Disputes Department for reviewOur Disputes Department confirmed the origina [redacted] c*aim decision of no error found.On May 17, our Risk Management Team c*osed Ms [redacted] account due to risk factors that were identifiedMs [redacted] is no *onger e*igib*e for products managed by NetSpendWe 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 [redacted] our contact information shou*d she have any additiona [redacted] questions or concernsThank you, [redacted] * [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: [redacted] I am rejecting this response because: I spoke with a Representative Mr [redacted] who was most polite and HE (and He alone) was the ONLY one that listened to me, reviewed all of my documents, and recommended that I be 'UnBlocked' and supposedly someone from Corporate was supposed to call meInstead 'They' keep sending their perfunctory letters of empty rhetoric demanding even more paperwork I simply do not haveThis entire matter is the result of Netspend failing to update my information in September, October, November, and early December despite my repeatedly calling in and asking for same to be doneOver weeks ago I deposited a $Check and when I tried to Use my Netspend Card I was unableMy email address had not been updated nor had my phone numberWhen the representative updated my information Netspend then Blocked my CardThey literally have 'Stolen' my MoneyI don't need to be able to use the Card, I only want them to send me a REFUND Check to my Address of Record at Midway Road, #1712, Dallas, Texas 75287, and "Call It A Day!"They KNOW it's Me, I have another Netspend Account in My Name and another of my Business Names of Tristar Diagnostics Laboratories...with No ProblemThey Can even simply Transfer MY $to that accountOtherwise this is pure Theft in every sense of The Word! 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 I am still concerned that the name [redacted] was attached to my address and netspend told me to activate the card and use it with someone else's name on it Regards, [redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] Ms [redacted] states that her card transactions were charged fees when she was supposed to be on the $fee planShe wants to be refunded the fees she was charged before the fee plan startedOn July 15, 2015, we spoke with Ms [redacted] concerning the Fee Advantage Plan (FAP)We apologize for any unprofessional behavior from our representativesThe FAP is offered to our Premier cardholders once they receive a qualifying direct deposit to the accountThe monthly $FAP fee waives the $credit transaction fee and the $debit transaction fee when using the cardWe explained the balance checks and the ATM fees are not covered under the FAPWe refunded her fees that were covered by the planNetSpend regrets the inconvenience that Ms [redacted] experienced with the Fee Advantage PlanShe has been given my contact information should she have any further 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 funds held on her PayPal Prepaid MasterCard She’s requesting the account to be restored and funds credited to the balance On December 17, 2015, we spoke with Ms [redacted] concerning the PayPal instant transfer to her PayPal Prepaid MasterCard which is managed by NetSpend We explained the transfer limits of $ daily and $monthly We are still assisting her with confirming the emails on both accounts match NetSpend regrets the inconvenience that Ms [redacted] experienced with our product We have provided her with our contact information should she have any additional questions or concerns Thank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

Wednesday, December 21, 2016To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning the funds from her mother’s Card Account On June 14, 2016, we received a Death Notification Entry from the Social Security Administration (SSA) informing us that the primary cardholder on the Card Account where Ms [redacted] is the secondary, had passed away on May 25, The Card Account was closed immediately and the remaining funds were placed on hold until reclamation has been received from the Social Security Administration If a reclamation is not received after days, the funds can be released to the executor of the estate, once appropriate documentation is received We received documentation from Ms [redacted] on December 20, but it was insufficient to designate her as the executor of her mother’s estate In response to her communication, a member of our Corporate Customer Response Team spoke with Ms [redacted] on December 21, and explained that we had not received all of the required documents We contacted the Social Security Administration and arranged to return the funds to them on December The next day, we informed Ms [redacted] that the funds were being returned to the US Treasury / SSA We also sent the Card Account history to Ms [redacted] for June so she could review the final balance on the Card Account 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 he spoke with.Ms [redacted] has been provided 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 his dispute claim.On March 23, 2016, Mr [redacted] disputed an authorized transaction through our websiteWe immediately opened a dispute claim and began our investigationWe also informed Mr [redacted] of the investigation timeframes afforded to financial institutions, under Regulation EOn April 6, we updated his claim with no provisional credit being issued due to the dispute typeMr [redacted] dispute claim finalized on May 23, and his account was credited for the full amount of the transactionUpon receiving his complaint, we spoke with Mr [redacted] on May 18, and explained the dispute processWe also clarified why Mr [redacted] received an additional credit on April We apologize for the poor service that Mr [redacted] experienced with our Customer Service DepartmentWe have reported this incident to the management staff of the customer service agents he spoke withWe have provided Mr [redacted] with our contact information should he have any additional questions or concernsThank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

Friday, November 13, 2015To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning unauthorized charges that appeared on her account from another state She’s requesting an escalated review of her disputed items On November 7, 2015, Ms [redacted] called our customer service to report unauthorized transactions that occurred in Texas, while her residence is in New York She disputed four transactions, and we informed her that an update would be given within ten business days, November 20th She called back on November 9th to dispute six additional transactions that were pending during her initial call We created a second disputes claim and advised that an update will be available on November 23rd Our Disputes Department reviewed both of her claims on November 13th and issued a full payout We spoke with Ms [redacted] on November 13th, and informed her of the payout on both of her claims NetSpend regrets the difficult experience Ms [redacted] had with the compromised card and we appreciate her patience during the investigation 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] states that the ATM did not dispense her cash, and she was informed by our customer service that she has to wait business daysShe‘s requesting the funds to be reimbursed to her On July 15, 2015, Ms [redacted] called to dispute an ATM transaction for $as a result of the funds not dispensingWe informed her that her disputes claim would receive an initial update within ten business days, July 29thIf her disputes claim is ongoing on the tenth business day, our Disputes Department will determine if Ms [redacted] is eligible for provisional (temporary) until the claim is resolvedWe apologize for any rude delivery of the information about this processWe will further research this matter, and will take the appropriate actions if necessaryNetSpend understands that the disputes process is lengthyWe appreciate Ms [redacted] ’s patience as we attempt to retrieve her fundsWe have provided Ms [redacted] 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 dispute claim.On March11, 2016, Ms [redacted] contacted us to report that her card had been compromised and that several unauthorized charges, totaling $1,577.25, posted to her account We immediately blocked the card to prevent any further unauthorized use and opened dispute claim [redacted] to begin our investigationOn March 13, 2016, Ms [redacted] contacted us to report another unauthorized transaction for $We immediately opened dispute claim [redacted] and began our investigationWe concluded our investigation of claim [redacted] on March and refunded the disputed transactionWe also sent a message to MsWilliams’ online secure inbox advising that the claim was resolved and credited to her account.On March 25, we concluded our investigation of claim [redacted] and no credits were issued because we were unable to identify that an error occurredWe have reason to believe that the transactions were authorized and that Ms [redacted] benefited from the disputed transactionsA letter explaining the dispute decision has been mailed to MsWilliams.Our Risk Management Team closed MsWilliams’ account on March because they identified risk factors associated with her accountA check for the remaining balance on the account will be mailed to Ms [redacted] at the address on file within business daysWe spoke with Ms [redacted] on April to explain the outcome of her dispute and the closure of her account.We provided Ms [redacted] with our contact information should she have any additional questions or concernsThank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

Tuesday, February 20, To Whom It May Concern: Thank you for forwarding Ms [redacted] complaint [redacted] to usWe attempted to reach Ms [redacted] by telephone on February 15, 16, and 19, 2018, but unfortunately, we were unable to speak with herWe corresponded via email to inform Ms*** that the Account Now card she has is not a Netspend productShe will contact the correct manager of her card by using the telephone number on the back of her Account Now CardThank you for bringing this matter to our attention and giving us the opportunity to direct Ms [redacted] to the correct company to address her concernThank you, [redacted] Customer Experience Specialist Netspend, a TSYS Company

To Whom It May Concern:We received additional comments regarding complaint # [redacted] filed with your office by [redacted] concerning her dispute claim.We appreciate Ms [redacted] ’s additional comments We have re-reviewed Ms [redacted] ’s dispute claim and confirmed that it is being investigated properly On September 22, we reached out to Ms [redacted] to provide further explanation regarding her claim and advised that our investigation will be concluded by the end of the day on October The results of the investigation will be sent to Ms [redacted] in writing within business days of completing our investigationWe are still in process of reviewing the calls concerning the misinformation she was provided by our Customer Service Department We will report any findings to the management staff of the customer service agents Mr [redacted] spoke withWe 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