Realcor Developments Ltd.

Thursday, August 24, 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 22, by way of telephoneWe emailed Ms [redacted] with the details of actions taken on her son’s account to resolve her concerns on August 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 Specialist Netspend, a TSYS Company

Friday, January 12, To Whom It May Concern: Thank you for forwarding Ms [redacted] ***’s complaint [redacted] to usWe 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 card packaging prior to purchaseThe package also states the cardholder must be at least years of ageAs you requested, we addressed this matter directly with Ms [redacted] on January 10, by way of telephoneWe sent her an email detailing the actions to resolve her concernsThank 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

Tuesday, August 30, To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning unwanted advertisements she has been receiving In response to this communication, we spoke with Ms [redacted] on August 29, and explained her email address is not listed on any of the previous accounts she had with NetSpend We assured her that she has been opted out of receiving any marketing from NetSpend and her accounts are closed Ms [redacted] agreed to forward any future advertisement to us so we can investigate the source of the emails and why they are using our NetSpend brand We 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] concerning a block on his accountMr [redacted] expressed his dissatisfaction regarding the length of time he was prevented access to his funds.Our Risk Management Team regularly monitors cardholder accounts in order to provide a safe and secure product for all of our cardholdersOn February 12th, a block was placed on Mr [redacted] account with the request that he send us documents to verify his identityWe received these documents and the block was removed on February 14thWe spoke with Mr [redacted] on February 16th to address his concerns NetSpend regrets the inconvenience that Mr [redacted] experienced while waiting to have access to his fundsWe have provided his 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 pending transaction on her Card Account On April 3, 2017, MsMeijias contacted our Customer Service Department to report that an authorization from Carnival Cruise had been declined and she wanted the funds returned to her available card balanceWe requested Ms [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 her 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 transactions A member from our Corporate Office spoke with Ms [redacted] on April 5, to explain the pending transaction and automatic release timeframe As a courtesy, the pending transaction was released back into her available Card Account balance on April We informed Ms [redacted] via email, that if the merchant mistakenly collects on the original transaction, she will need to dispute the transaction in order to recover the funds NetSpend’s release of the pending authorization is not a void or cancel of the charge We apologize for the information Ms [redacted] received from 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 Ms [redacted] has been provided with our direct contact information should she have any additional questions concerning this matter Thank you, [redacted] Senior Customer Experience Specialist Netspend, a TSYS Company

Complaint: [redacted] I am rejecting this response because: It still isn't resolving my issue and they still won't credit my account even after I provided a valid police report Regards, [redacted] ***

Friday, February 26, To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning a payment for an expedited card order that she did not receive She’s requesting a refund for the card fee On February 17, 2016, Ms [redacted] reported her card as stolen and she requested an expedited replacement card Our Customer Service Department ordered the requested card during the call We reached out to Ms [redacted] on February 22nd by telephone and email, but unfortunately, we have not had the opportunity to speak with her As a courtesy, we refunded the fee to expedite her card order Ms [redacted] activated her replacement card later that same day NetSpend regrets the inconvenience that Ms [redacted] experienced while waiting on her replacement cardWe have provider 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] concerning the inconvenience that she’s experienced after filing a disputes claim for unauthorized transactions that were made on her accountShe’s requesting to be refunded for the unauthorized transactionsOn November 24, 2015, [redacted] disputed twenty-four unauthorized transactions that occurred on her NetSpend card during the timeframe between October 16th and October 24th We informed her that an update would be provided within ten business days, December 9thOn the tenth business day, our Disputes Department closed the claim with no error found on the disputed transactions, and no funds were reimbursed to the account The next day we mailed a disputes closure letter to [redacted] address that outlined the conclusion of her disputes claim In 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 [redacted] account on December 4th She is no longer eligible for NetSpend servicesThe factors that lead to the account closure are kept internal for security reasonsA check for the remaining funds on the account has been mailed to her address, and [redacted] will receive it within ten business days from the account closure date We reached out to [redacted] on January 8, 2016, but unfortunately we have not had the opportunity to speak with herWe will address her concerns when she returns our callNetSpend regrets the inconvenience that [redacted] experienced as a result of the disputes claim decision, and 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] Mr [redacted] states that he disputed charges on his new card and the supervisor told him he would get his refund when he got the permanent cardHe wants the money that was taken from his cardOn June 8, 2015, Mr [redacted] called to activate his cardThirty minutes after activating the card, two charges occurred from Epoch.com for $and $He called back to report the unauthorized charges on his cardWe informed him that we could dispute the transactions once the merchant collected the fundsTwo days later, the merchant collected on the transactionsMr [redacted] disputed the charges on July 2ndWe will update his disputes claim in ten business days, on July 17thAt that time, the provisional credit decision will be madeNetSpend regrets the inconvenience that Mr [redacted] experienced with the unauthorized chargesWe have provided him 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 complaint # [redacted] filed with your office by [redacted] concerning a NetSpend card he ordered through Turbo Tax but has not receivedOn February 17, 2016, Mr [redacted] ordered a new NetSpend card while processing his tax refund through Turbo Tax His direct deposit from the IRS was posted to his account on February 26th When he spoke with Customer Service on March 5th, a second card was ordered by expedited delivery We expedited a third card to Mr [redacted] on March 10th and he received and activated that card two days later We apologize for the problems that Mr [redacted] did not receive his card in a timely manner He was never charged for the expedited card orders We reached out to him on March 9th, but unfortunately, we have not had the opportunity to speak with him We will assist him when he returns our call As a courtesy, we have refunded the transaction fees on another card account Mr [redacted] purchased while waiting for his card to arrive NetSpend regrets any inconvenience that Mr [redacted] experienced with receiving the card to his addressHe has been given 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 the use of her NetSpend card She’s requesting a refund of her money On February 19, 2016, Ms [redacted] purchased a NetSpend card that had a balance of $ After she activated the card, she attempted a transaction for $with [redacted] ***, but it was declined for insufficient funds A charge of this type has a $fee in order to complete the transaction The associated fees for card use are displayed on the outside of the card package and in the terms and conditions that comes with the card We spoke with Ms [redacted] on February 22nd and explained the fees associated with the card use We also directed her to the website, [redacted] for other useful tips about the card NetSpend regrets the inconvenience that Ms [redacted] experienced while attempting to use her card We have provided her 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: Thank you for forwarding Mr [redacted] complaint to usAs you requested, we addressed this matter directly with MrAttrill on December 13, 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 concernThank you, [redacted] Customer Experience Analyst Netspend, a TSYS Company

To whom it concerns: Thank you for forwarding Ms [redacted] ’ complaint to usAs you requested, we addressed this matter directly with Ms [redacted] on June 23, 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

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a direct deposit he is expecting.On March 28th, Netspend received Mr [redacted] deposit at 2:53pm and posted it at 2:56pmOn March 28th, I spoke with Mr [redacted] to address his concerns as he stated he expected his deposit to post a little after midnightI assured Mr [redacted] that Netspend posts his deposit when we receive itNetspend regrets any inconvenience that Mr [redacted] experienced while waiting on his direct deposit 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: We received complaint # [redacted] filed with your office by [redacted] concerning the delivery of her card On November 16, 2016, Ms [redacted] contacted our Customer Service Department regarding a transaction from a merchant she has done business with in the past, but wanted to inquire about a stop payment on the most recent charge The agent she spoke with immediately blocked her card to prevent future transactions on her account from this merchant, but a replacement card was not ordered In response to her communication, a member of our Corporate Response Team spoke with Ms [redacted] on November We updated her address and a new card will be expedited to her and we waived the shipping cost The card should arrive within 1-business days Our records show that Ms [redacted] received her card and activated it on December 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 As a courtesy, we provided a $account credit to Ms [redacted] account 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: Thank you for forwarding Ms [redacted] complaint # [redacted] to us We reviewed Ms [redacted] dispute claims and determined that it was handled appropriately We validated that Ms [redacted] card is no longer active and cannot be used for additional unauthorized transactions We completed the investigation on both of Ms [redacted] claims on April 26, We provided full reimbursement for the dispute transactions on claim [redacted] The second claim [redacted] , no credit was issued because we did not find an error occurred We attempted to reach Ms [redacted] by telephone and email on April 28, May 2, and May 3, but unfortunately, were unable to speak with herA letter detailing the results of our investigation was mailed to her address on file She should receive this letter within business days 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 Specialist Netspend a TSYS Company

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] regarding an update on previous complaint she filed 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 On February 4, Ms [redacted] purchased a Netspend Prepaid Card Account and activated it the same day We received Ms [redacted] tax refund direct deposit to her card account on March During routine monitoring, we placed a temporary restriction on Ms [redacted] Card Account on March 30, 2017, because we detected suspicious activity In order to remove the restriction, we requested Ms [redacted] to provide us copies of her identification documents to verify her identityThe documents Ms [redacted] provided were insufficient to verify her identity Our Risk Management Team identified risk factors that led to the closure Ms [redacted] account on April These risk factors are not shared with consumers for security reasons and MsMcCoy is no longer eligible for products managed by NetSpend Her tax refund deposit was pended for the IRS to perform their own review A member from our Corporate Office spoke with Ms [redacted] on April 18, to provide further insight about her Card AccountWe requested Ms [redacted] send the required documents to remove the restriction on her account The next day the documents were reviewed and the block was removed from her account We informed Ms [redacted] on April 19, the restriction was removed and her Netspend Card Account has been reinstated As a courtesy, we refunded the fees associated with checking the balance to her Card Account Ms [redacted] has been provided with our direct contact information should she have any additional questions concerning this matter Thank you, [redacted] Customer Experience Specialist Netspend, a TSYS Company

Monday, August 14, To Whom It May Concern: Thank you for forwarding Mr [redacted] complaint # [redacted] to usNetspend displays the most common fees while using the card on the outside of the packaging visable to consumers before the purchase of the productWe also include the full card terms and fees on the inside of the card packaging for the cardholder’s reviewAs you requested we addressed this matter directly with Mr [redacted] by telephone on August 14, We emailed Mr [redacted] with the details of actions taken on his account to resolve his concerns on August 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

To whom it may concern: Thank you for forwarding Ms [redacted] complaint to usWe 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 in the envelope that we send with the card offer As you requested, we addressed this matter directly with Ms [redacted] on June 9, 2017, by way of telephone regarding her son’s Card AccountMr [redacted] case has been assigned to a Corporate Customer Response Team Analyst, [redacted] Should he contact our Customer Service Department we have left notes on his account for him to be connected with [redacted] to further assist him with his matterThank 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

Complaint: [redacted] I am rejecting this response because: Regards, [redacted] I am disappointed that my account was closed I am eentitled to any money that was already in my account that I earned...they could have notified me that my account was being closed so that I can take my funds out before I stayed with nothing...no wi am having to wait to get paid again and I should not have to be living this waywhatever they owe me I should be entitled to but I dont understand why I cant keep my accoun opened and why I was not notified before hand so that in wouldnt stay without any money