Realcor Developments Ltd.

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a transfer of funds from his NetSpend accountOn May 4, 2016, Mr [redacted] disputed an authorized transfer of funds from his account to another NetSpend account We immediately opened a dispute claim and began our investigationOn May 18, we concluded our investigation with no credit being issued because we did not find that an error has occurred Upon receipt of his complaint, we spoke with Mr [redacted] and explained the outcome of his claimWe 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] Ms [redacted] states that she attempted to cancel a card that she received but could not get confirmationShe does not want to be charged for this cardNetSpend 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 offers at no cost to themThe 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 in the offer or activation and there are no forms to fill outOur records have been updated so that we will not send any additional card offers to the name and address matching the offer that Ms [redacted] receivedThere is no bill for this card offerWe regret any inconvenience this may have caused herMs [redacted] has been given 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 card declining with [redacted] ..On March 7th, 2016, Ms [redacted] attempted to add her Netspend card to her Amazon account and make a transaction which Amazon declinedSubsequently, Amazon closed her account with themI reached out to Ms [redacted] by phone and email on March 21st and 22nd to address her concernsMs [redacted] responded via emailMs [redacted] understands that she would need to contact Amazon regarding the closure of her account with them.NetSpend regrets any inconvenience Ms [redacted] experienced with her card being declinedWe 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

To Whom It May Concern: Thank you for forwarding Ms [redacted] complaint to usAs you requested, we addressed this matter directly with Ms [redacted] on December 19, by way of telephone, e-mail, or letterIf 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 concernThank you, [redacted] Customer Experience Analyst Netspend, a TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] Mr [redacted] states that when he attempted to redeem the reload packs that he purchased, the funds were already loaded onto another card He’s requesting to be refunded the $that he loaded onto the Reload Packs Reload Packs are considered same as cash It can only be redeemed to a NetSpend card with the numbers underneath the scratch off section In order for NetSpend to research the Reload Pack, we will need a copy of the front and back of the card We also need a copy of the purchase receipts to confirm Mr [redacted] ’s ownership of the packs in question On July 17, 2015, we attempted to reach Mr [redacted] by telephone and email and will await his response.NetSpend regrets the inconvenience that Mr [redacted] experienced while redeeming the Reload Packs 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

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] Mr [redacted] states that his new card was blocked due to a negative on a previous account because of overdraft feesHe wants NetSpend to fix the negative balance and to gain access to the $on the new cardOn May 31, 2015, Mr [redacted] attempted to activate a new NetSpend cardOur system automatically blocked the card due to a previous account left with a negative balance of $Mr [redacted] incurred overdraft fees for making transactions after his available balance became negative more than $Cardholders must agree to the terms and conditions and opt into the optional overdraft program in order to use this featureWe emailed the details to Mr [redacted] The new card was unblocked on June 1st and Mr [redacted] gained access to his $NetSpend regrets any inconvenience Mr [redacted] experiencedHe has my contact information should he have any additional questions or concerns about the previous account balanceThank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern: We received additional comments on complaint # [redacted] filed with your office by [redacted] Escoto concerning the inconvenience she experienced with her dispute and the closure of her accountOn March 6, 2016, Ms [redacted] disputed twenty-six unauthorized PIN and signature based transactions that occurred on her NetSpend card through the website, www.netspend.comOur Disputes Department closed her claim on March 18th and issued a full credit for all disputed charges 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 MsEscoto’s account on March 18th She is no longer eligible for NetSpend services as a resultThe factors that lead to the account closure are kept internal for security reasonsA check for the remaining funds on her account was mailed to her address on March 23rd We reached out to Ms [redacted] on March 30th, but unfortunately, we have not had the opportunity to speak with herWe have been responding to her emails and will further address her concerns when she returns our callNetSpend regrets the inconvenience that Ms [redacted] experienced as a result of the closing of her accountWe have provided her 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] ***Ms [redacted] states that her card was blocked after she instructed the agent not toShe wants the money from her card refundedOn May 12, we spoke with Ms [redacted] about the blocked cardDuring the call on May 6th, the card was thought to be used for an unauthorized charge so it was blockedOn that same day, Ms [redacted] was able to get a new card attached to the account at a NetSpend distributor and she gained access to her fundsWe also rushed delivered a new personalized card to her address at no costNetSpend regrets any inconvenience Ms [redacted] experienced due to the blocked cardShe has been given our contact information should she have any additional question 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 the Refer-A-Friend bonus associated with her NetSpend Prepaid Debit CardOn March 13, 2016, Mrs [redacted] husband opened a NetSpend account using the Refer-A-Friend offerMr [redacted] made a qualifying deposit for the Refer-A-Friend bonus on April 14, but the no bonus was applied.On April 22, we spoke with Mrs [redacted] and applied the Refer-A-Friend bonus to her account and her husband’s account.We have provided Mrs [redacted] with 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: Regards, [redacted] No one from Net Spend Called Me Or Reached Out To meI never signed up for limited use one of net spends workers did that...she said she was going to email with the information so I can fax over my social security card I never received the email so I called back and that's when I learned I had limited used net spend is a fraud and they are liarsBecause one called if I didn't received this email I would've know anything

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning the inconvenience he experienced with activating his Brinks Prepaid NetSpend card He’s requesting his documents to be reviewed and his card activated in order for his direct deposit to post to the account 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 themMr [redacted] attempted to activate his NetSpend card on November 14, Additional information was needed to fully activate his account, and our customer service requested for Mr [redacted] to send in identity documentsOn the same day, he requested for NetSpend to close his account through the online account center and send him a refund for any remaining balance The account was approved on November 15th after he answered identity questions correctly and his address was updatedBecause he requested to have funds sent to him earlier, that request was honored and the account closed on November 16th We spoke with Mr [redacted] on November 18th and addressed his concerns The account was reopened at his request and we assisted with his online access A direct deposit has not been sent to his account for posting, but the account is now approved to receive funds.NetSpend regrets the inconvenience that Mr [redacted] experienced while attempting to fully activate his card 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

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a NetSpend Prepaid Visa card she received as a giftThe card Ms [redacted] received was a reloadable, prepaid debit card and not a gift cardThis type of product is intended for individuals who wish to have access to an electronic form of payment, but would like an alternative to a traditional bank accountWe understand that because the card was given to Ms [redacted] as a gift she may not have seen the original card package which states “This is not a gift card” on the front of the packageThe most common fees for using the card and for maintaining the account, including Account Maintenance fees, are also provided at the time the card is obtainedWhen Ms [redacted] contacted us on October 20, 2016, to activate her card we explained that Account Maintenance fees were charged to the card because there was no activity on the account for consecutive daysA member of our Corporate Response Team spoke with Ms[redacted] on October As a courtesy, we refunded the Account Maintenance fees previously charged to Ms [redacted] cardAt Ms [redacted] request, we closed the card account, and we will mail her a check for $to her address on fileMr [redacted] should receive this check with 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 block on his 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 Mr***’s account after he received a refund from a merchant, WW Grainger in the amount of $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 MasterCard processing rulesOn March 29th, we spoke with Mr [redacted] and addressed his concerns We contacted Grainger and they emailed us a copy of the original invoice receipt The document was reviewed and our Fraud Prevention Team removed the account block later that evening NetSpend regrets the inconvenience that Mr [redacted] experienced as a result of the block on his accountHe 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] concerning the fees on her Card Account. 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 displayed on the inside flap of the card package and is visible to consumers prior to purchase. Our packaging also informs that the person activating the card must be at least 18 years of age. On December 30, 2016, Ms. [redacted] attempted to activate her new Netspend Card Account. Ms. ***’s identity information could not be automatically verified. We requested Ms. [redacted] to provide copies of her identification documents to verify her identity in order to approve the Card Account. Ms. [redacted] chose to have her Card Account set to ‘limited use, which allows the card to be used for in store purchases only. The default fee plan is a Pay As You Go, if the alternative monthly Fee Advantage plan is not selected. The Pay As You Go fee plan charges a $1 fee for signature purchases and a $2 fee for purchase using the PIN. A member of our Corporate Response Team spoke with Ms. [redacted] on January 20, 2017 and explained our fee plans. As a courtesy, we refunded the fees she was charged to use her Card Account. Ms. [redacted] requested to close her card account and have a refund check for the remaining balance mailed to the address on file. We advised the refund check will take 10 business days to arrive. 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 Team Netspend 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 They reimbursed me today Regards, [redacted] ***

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning her dispute claim. On April 9, 2016, Ms. [redacted] contacted us to report that her card had been compromised and that several unauthorized charges posted to her account. We immediately... blocked her card to prevent any additional unauthorized use. We also opened a dispute claim and began our investigation.On April 22, we concluded our investigation and credited Ms. [redacted] ’s account for the disputed transactions. We spoke with Ms. [redacted] on April 27 and assured her that a block has been placed on the account that will prevent cardholder transfers from occurring.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] Ms [redacted] states that she reported her NetSpend card as stolen and waited business days but no credit was issued for the disputed transactionsShe wants her disputes claim reopened and a full credit issued to herOn July 6, 2015, Ms [redacted] disputed nine PIN based transactions that occurred over a three day periodWe updated her disputes claim on the tenth business day, July 20th, with no error found with the transactions that were disputedWe closed the claim, and mailed her a disputes closure letter that advised her of the conclusion of her disputes claimWe also closed the account due to risk factorsThe Personal Identification Number (PIN) was never changed but it was known by the person using the card for the unauthorized transactionsMs [redacted] had active text message alerts sent to her from NetSpend during the three day period but did not report the card as stolen until six days after the first disputed transactionAt this time Ms [redacted] is no longer eligible for NetSpend servicesNetSpend regrets the inconvenience that Ms [redacted] experienced from the unauthorized transactionsWe have provided her with 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: netspend has lied to all parties involvedThey did not try to call me and the e-mail they sent said that they can not find any of the recordings from times that I called in and was told may firstThey also will not take the police report they keep telling me that this is my problemI have been called a stupid ft several times and this is starting to stress me out emotionally I have never been treated this wayThey need to be investigated for misconduct and much much moreThey are failing to uphold their end Regards, [redacted]

Wednesday, February 07, 2018To Whom It May Concern: Thank you for forwarding Ms [redacted] complaint to usWe 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 proceduresAs you requested, we addressed this matter directly with Ms [redacted] by way of telephone on February We attempted to review her transaction history, but Ms [redacted] declined 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 ConcernWe received additional comments on complaint # [redacted] filed with your office by [redacted] concerning her dispute claim.On March14, 2016, Ms [redacted] contacted us to dispute several unauthorized transactions that posted to her accountWe immediately blocked her card to prevent further unauthorized useWe opened a dispute claim and began our investigation We also informed Ms [redacted] of the investigation timeframes afforded to financial institutions, under Regulation E, for new accounts We concluded our investigation on April and no credits were issued because we were unable to determine an error occurredWe have reason to believe that the transactions were authorized and that Ms [redacted] benefited from the disputed transactions Upon receipt of her complaint to the Revdex.com, we attempted to contact Ms [redacted] on April but have been unable to speak with herThe documentation involved in our investigation was emailed to her on April and she included it as an attachment in the complaint We reached out to Ms [redacted] on April by telephone and email, but unfortunately, we have not had the opportunity to speak with her We will go over her consistent transaction patterns when she returns the call Ms [redacted] has our contact information should she have any additional questions or concerns Thank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company