Realcor Developments Ltd.

Tuesday, January 17, To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning the overdraft fees associated with her Card AccountOn January 9, 2017, Ms [redacted] completed a transaction for $that created an overdrawn balance greater than $ The 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 The next day, Ms [redacted] completed a transaction for $that resulted in an additional pending overdraft fee She loaded $to the Card Account, but her remaining balance was still negative Ms [redacted] completed another transaction for $that resulted in a third overdraft pending overdraft fee On January 11, 2017, Ms [redacted] received a direct deposit that recovered the negative balance The direct deposit arrived after the twenty-four hour grace period expiredIf a cardholder fails to bring their Card Account back to a zero or positive balance within hours from the time of the first transaction causing an overdrawn balance greater than $10.00, the cardholder will incur an Overdraft Protection Program Fee for each transaction approved after their Card Account balance was greater than $overdrawnIn response to her communication, we reached out to Ms [redacted] on January 17, to discuss her Overdraft Protection ProgramAs a courtesy, the overdraft fees have been reimbursed to Ms [redacted] Card Account We emailed her a copy of the terms and conditions that she agreed to that explain how the Overdraft Protection Program works We also informed her that this is an optional program which she may discontinue at any time 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] Mr [redacted] states that he received a debit MasterCard that he did not orderHe wants to know who applied 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 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 September 2, 2015, we reached out to Mr [redacted] by telephone and emailWe informed him that our system has been update to block the name and address that we used to send the card offer to himWe’ve submitted a request to obtain specific details of how Mr [redacted] ’s information was obtained for this card offerWhen it is received, we will relay the information to himWe apologize for any inconvenience that Mr [redacted] 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 additional comments regarding complaint # [redacted] filed with your office by [redacted] concerning his dispute claim.We appreciate Mr [redacted] ’s additional feedback On October 25, 2016, a member of our Customer Response Team reached out to Mr [redacted] to further address his concernsWe confirmed that he will receive an update on his dispute claim by the end of the business day on November 4, and that any fees associated with the disputed transaction will be reimbursed at the conclusion of the claim.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

Thursday, April 19, 2018To Whom It May Concern: Thank you for forwarding Ms [redacted] ***’s complaint [redacted] to usNetspend relies on affiliate marketing services as a source for reaching potential new customers and card offer recipients’ information is acquired through these business relationshipsA 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 informationThe offer and accompanying disclosures you received were distributed in compliance with the Electronic Fund Transfer Act as implemented through Regulation E (CFR 1005.5(b))Your Social Security number and date of birth were not provided and are not connected to this offer in any wayNo account in your name has been activated as part of this offerThis offer is NOT a credit card, it contains no value, and it cannot be used to conduct transactionsNo credit report has been or will be obtained in connection with this offer, and this offer does not have any effect on your credit.The offer is not active and cannot be used unless activatedDuring activation, Netspend verifies the identity of the person activating the offer to ensure that the card offer can only be used by the intended recipientIf the recipient cannot be verified, then the offer cannot be activated.We attempted to reach Ms [redacted] on April 12, and 19, by telephone, but were unable to speak with herWe emailed Ms [redacted] the details outlining 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] Customer Experience Specialist Netspend a TSYS Company

Wednesday, June 22, To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning her dispute claim On May 26, 2016, Ms [redacted] contacted us to report an unauthorized online transaction that occurred on her account We immediately blocked her card to prevent additional unauthorized charges and ordered a replacement The agent Ms [redacted] spoke to released the pending unauthorized transaction back to her account balance, and moved the remaining funds to another account in her name The release of a pending charge is not a void or cancellation of the transactionThe merchant collected the transaction later that night On June 3, 2016, Ms [redacted] contacted us to dispute the unauthorized transaction that posted to her account We immediately opened a dispute claim and promptly began our investigationWe also informed MsAkins of the investigation timeframes afforded under Regulation E We completed our initial investigation on June 20, and issued a provisional credit for the disputed amount The next update for Ms [redacted] ’s ongoing disputes claim will be July Upon receipt of her complaint, we spoke with Ms [redacted] on June 20, and informed her of the provisional credit and when to expect a final update on her disputes claim We understand how frustrating it can be to experience unauthorized charges on your accountNetSpend is very committed to providing a safe and secure product Ms [redacted] has been provided with our contact information should she have any additional questions or concerns Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

Monday, October 2, 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 October 3, by way of telephoneWe sent Ms [redacted] an email on October 2, outlining our actions to resolve her complaintMs [redacted] ’ case has been assigned to Corporate Response Team Analyst, ***Should Ms [redacted] 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 matterThank 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

Monday, June 13, To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning her disputes claim On April 20, 2016, Ms [redacted] disputed several unauthorized transactions through her online account center that posted to her account between the dates March to April Her card was immediately blocked to prevent further unauthorized use, but a replacement card was not requested We promptly opened dispute claim [redacted] and began our investigation We also informed MsZeufekdt of the investigation timeframes afforded under Regulation E Ms [redacted] disputed additional unauthorized transactions on May that were not included in her first claim We promptly opened dispute claim [redacted] and began another investigation We concluded the investigation of claim [redacted] on May and no credits were issued because we did not find that an error occurredA letter explaining the conclusion of her dispute was mailed to her address on file On May 19, we issued full reimbursement for the disputed transactions included in dispute claim [redacted] Our Risk Management Team later closed Ms [redacted] ’s account on May due to risk factors that were identified and she is no longer eligible for products managed by NetSpend A refund check for the remaining balance was mailed to her address on file on May Upon receiving her complaint, we spoke with Ms [redacted] on June to discuss her claims She informed us that she did not receive the documents used during our investigation of dispute claim [redacted] We emailed and mailed the documentation to Ms [redacted] on June 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] He states that he is not able to process Paypal transfers and that he would like his account fee credited back for the inconvenience he received.I spoke with [redacted] on May 6th to address his concernsI issued a credit to his account.We sincerely apologize for any inconvenience this may have caused [redacted] He has my contact information should he have any additional questions Thank you, [redacted] ***Corporate Customer Response TeamNetSpend A TSYS Company

Friday, September 9, To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning missing funds On July 29, Ms [redacted] was approved and activated her new NetSpend account She successfully loaded funds on August A member of our Corporate Response Team spoke with Ms [redacted] on September 9, Ms [redacted] advised that she did not perform an ATM withdrawal for $on August We immediately blocked the card to prevent further unauthorized activityWe opened a dispute claim and began our investigationWe also informed Ms [redacted] of the investigation timeframes afforded under Regulation EWe requested Ms [redacted] send us a letter of dispute and sent her an email with the instructions that she can respond toOnce we receive her letter of dispute, we will forward it to our Dispute Resolution Department to assist with the investigationMs [redacted] dispute claim is scheduled for an update on October Ms [redacted] requested reimbursment for a non-sufficient funds fee and late fee she incurred due to this unauthorized transaction We advised her this information will be reviewed as part of our initial investigation and determined at the conclusion of the claim We have provided Ms [redacted] with our contact information should she have any other questions or need any further assistance 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 a block that took place on his new card that was caused by a previous account with a negative balance He’s requesting his card to be activated to access his funds On January 9, 2016, there was an attempt to activate a new prepaid debit card in Mr [redacted] nameOur system recognized that his information was associated with previous account that had a negative balance, and automatically blocked the new accountMr***l agreed to pay the outstanding balance His check posted to the new account on January 15th The next business day, January 18th, the outstanding funds were recovered and the account block was removed NetSpend regrets the inconvenience that Mr***l experienced while attempting to activate his new card 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

We received complaint # [redacted] filed with your office by [redacted] concerning a check she has not received On September 30, 2016, our Risk Management Team closed Ms [redacted] account due to risk factors that were identified with her account activityThese risk factors are not shared with consumers for security reasons and Ms [redacted] is no longer eligible for products managed by NetSpendOn October 11, we mailed Ms [redacted] a check for her remaining funds to the address on fileOur agent informed Ms [redacted] the check should arrive 7-business days Ms [redacted] contacted us on October and again on October 25, because she had not received her checkWe informed Ms [redacted] that it is our policy to wait business days before placing a stop payment on a check and reissuing another check On November 30, we placed a stop payment on Ms [redacted] check and mailed another check to her address on file on December A member of our Corporate Response Team spoke with Ms [redacted] on December 14, regarding her missing refund checkWe confirmed a new check has been mailed to her address on file on December Ms [redacted] stated that she was misiformed about the check that was mailed out on December 06, and she was informed that it had been mailed out prior to this date We apologize for the misinformation Ms[redacted] received from our Customer Service Department regarding her checkWe have reported this incident to the management staff of the customer service agents she spoke so proper coaching can be provided Ms [redacted] should receive this check within business days If Ms [redacted] does not receive the second check by the 15th business days, she will contact us back 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

Complaint: [redacted] I am rejecting this response because:days passed on the 2nd of FebruaryI find it absolutely disgusting that your company is doing so little to satisfy you customer and you all are in the wrongIplan to make it my business to advise everyone I know NEVER to use this companyThis is thee worst customer service I've ever encountered in my lifeJust give me my money back so I can be through with you Regards, [redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a block that initiated on the account where he is the secondary cardholderHe’s requesting for the account to be unblocked so that he can gain access to the funds on the account Our Fraud Prevention Team regularly monitors account activity in order to provide a safe and secure product for all of our cardholdersOn October 30, 2015, a systemic block was placed on Mr [redacted] ’s’ account after Firestone 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 rules The 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 meansWe have yet to receive acceptable documents to remove the account block or return the funds to the merchant On November 9th, we reached out to Mr [redacted] concerning the account block Unfortunately we have not had the opportunity to speak with him, but will assist with his concerns once he returns our call NetSpend regrets the inconvenience that Mr [redacted] experienced as a result of the block on his account He has been provided my contact information should he have any further questions or concernsThank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It Concerns: We received complaint # [redacted] filed with your office by [redacted] concerning her card delivery and direct depositOn March 2, 2017, Ms [redacted] purchased a Netspend Small Business Card Account ending in *** We mailed Ms [redacted] personalized card on March The standard delivery timeframe is 7-business days for a card to arrive at the address on file On March 6, 2017, Ms [redacted] received a direct deposit on her card account ending *** Because there was no active card on the account, the deposit was returned to the originator We advised Ms [redacted] once a deposit is returned, it can take up to business days to be received Ms [redacted] was advised by our customer service representative she could transfer funds from one card account to another card account she recently purchased Our records indicate on March 12, Ms [redacted] received her direct deposit on her card account ending in *** Ms [redacted] also received and activated her permanent card on March A member from our Corporate Office spoke with Ms [redacted] on March 12, and we apologized for the misinformation she was provided 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 a courtesy, we issued a credit to Ms [redacted] card account Ms [redacted] requested to close her account and she will receive a refund check for the remaining balance to her address on file within business days We have provided Ms [redacted] with our direct contact information should she have any additional questions concerning this matterThanks, [redacted] Customer Experience Analyst Netspend, A Tsys Company

Wednesday, December 30, To Whom It May Concern: We received complaint # filed with your office by [redacted] concerning the inconvenience she experienced with activating her cardTo 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 23, 2015, Ms [redacted] called our customer service to activate her new card When prompted to provide her enrollment information, Ms [redacted] refusedShe later attempted to register her card online and provided her deceased mother’s identifying information in efforts to activate her card, resulting in our system blocking her account On December 30, 2015, we requested documentation from Ms [redacted] in order to issue a refund check, but she refused Ms [redacted] accepted the option of converting her account to limited use and we advised that once she dispensed the funds, the account would be closedNetSpend regrets the inconvenience Ms [redacted] experienced while we verified her identity She 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

Complaint: [redacted] I am rejecting this response because: The information being provided is incorrect Even if I did opt out of the $fee plan on 5/15/15, I was still charged the $fee on 5/20/ The representative acknowledged the error but was not willing to fix it I spoke with [redacted] and he didnt resolve it neitherRegards, [redacted]

Friday, December 18, 2015To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a block on her account that was caused by an unusual transactionShe’s requesting for access to her money and to have the account closed Our Fraud Prevention Team regularly monitors account activity in order to provide a safe and secure product for all of our cardholdersOn December 10, 2015, a systemic block was placed on Ms [redacted] account due to an attempted transaction that required verification by our Fraud Prevention Team On the following day, our Fraud Prevention Team confirmed that the attempted transaction from China was not authorized by Ms [redacted] and the card remained blocked She received another temporary card that was attached to the account at a NetSpend distributor the same day To replace the temporary card, we ordered another personalized card that will be delivered in – business days On December 18th, we spoke with Ms [redacted] and she confirmed her concerns were resolved NetSpend regrets the inconvenience that Ms [redacted] experienced as a result of the block on her account We strive to prevent fraudulent activity and to protect our cardholder’s funds We hope Ms [redacted] can appreciate our efforts She has been provided with 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] Ms [redacted] states that she reported unauthorized transactions on her NetSpend account, but the money was not refunded immediatelyShe’s requesting to be reimbursed for the unauthorized transactionsOn July 24, 2015, Ms [redacted] called to report unauthorized charges from Elephant Insurance for $and $Our customer service blocked the compromised card in efforts to prevent further compromise from taking place, and reordered a new cardAt the time that Ms [redacted] reported the unauthorized charges, the transactions were still pendingPer the terms and conditions of Ms [redacted] ’s account, NetSpend can only dispute transactions that have posted to the accountCustomer service informed Ms [redacted] to call us back once the transactions posted to her account so that we could proceed with disputing the transactions for herElephant Insurance issued three credits to Ms [redacted] ’s account on July 29thSince she had not received the replacement card, Ms [redacted] had a temporary card attached to her account that same day which allowed her to access the fundsNetSpend regrets the inconvenience that Ms [redacted] experienced with 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

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] Ms [redacted] states that she made a purchase with her NetSpend card that was later cancelled by the merchantShe wants the money returned to her accountOn May 15, we contacted Ms [redacted] and the merchant, Valley Vet SupplyAfter confirming the order had been voided and the merchant will not be collecting on the pending charge, we released the money back to Ms [redacted] ’s accountNetSpend regrets the inconvenience Ms [redacted] experience with the release of the pending charge back to her accountShe has been given my contact information should she have 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 complaint # [redacted] has been resolved Regards, [redacted]