Realcor Developments Ltd.

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning misinformation he received regarding his accounts.On June 29, 2016, Mr [redacted] contacted our Customer Service Department to report that his card was misplaced Mr [redacted] was advised that he could purchase a new temporary card on a new account and transfer his fundsMr [redacted] purchased the new card, but was then informed he would not be able to transfer the funds due to a transfer restriction on his accountsA transfer restriction was placed on Mr [redacted] ’ account due to an unauthorized transfer of funds dispute claim that was opened in December The restriction is placed for the security and protection of Mr [redacted] ’ fundsWe spoke with Mr [redacted] on June regarding his accountWe apologized for the misinformation he received from our Customer Service DepartmentWe have reported this incident to the management staff of the customer service agents he spoke with and we are also expediting Mr [redacted] a replacement card to his address on file at no cost We 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

To Whom It May Concern:We received additional comments on complaint # [redacted] filed with your office by [redacted] concerning a refund check she has not receivedOn March 8, 2016, Ms [redacted] attempted to activate her NetSpend card, but we were unable to verify her identify using the information she providedWe asked Ms [redacted] to send us copies of identifying documentsMs [redacted] contacted our Customer Service Department and converted the account to limited use because she did not wish to provide the requested identifying documentsThis Limited Use option prevents cardholders from using their cards for online or over-the-phone transactionsThis option only allows credit and debit transactions at the point of sale.On March 16, Ms [redacted] contacted us and requested that we close the accountA check for the remaining card balance was mailed to her address on March 18.Ms [redacted] called us back on March and reported that she has not received the checkWe mailed a second check to her confirmed address on April Ms [redacted] confirmed that she received the second check on April We have 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, November 21, To Whom It May Concern: Thank you for forwarding Mrs [redacted] ’s complaint [redacted] to usAs you requested, we addressed this matter directly with Ms [redacted] on November 20, by way of telephoneWe informed Mrs [redacted] by email of 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

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning an NetSpend Prepaid MasterCard offer they received in the mai [redacted] NetSpend 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 informationBecause NetSpend feels strongly about customer privacy, we only contract with marketing affiliates that have collected the information from willing consumers years of age and older and have received permission to share it with us.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.In response to this communication, we permanently blocked the card offer on May 24, Additionally, we have submitted a request to our Marketing Department to provide information concerning how their name and address were obtainedWe will provide Mr [redacted] with this information as soon as it is availableWe have also removed Mr [redacted] ’ name and address from our mailing list and he should not receive any future offers from any NetSpend managed programs.Mr [redacted] has been provided our contact information should he 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 meI will be truly satisfied if I actually receive the check on Wednesday September 20th as promised Regards, r [redacted]

To Whom It May Concern:We received a rebuttal complaint # [redacted] filed with your office by [redacted] ***Ms [redacted] states that she has only received a partial credit from the merchantShe wants a straight answer from NetSpendAs we stated in our previous response, Ms [redacted] received credits for the two disputes claimsWe reviewed the document she sent to us concerning the correct amount of the credit from the merchantOur Disputes Department credited Ms***’s card the difference in what the merchant was supposed to refund on June 1, NetSpend regrets the inconvenience that Ms [redacted] experienced while disputing transactions with merchantsWe have provided her our contact information should she have any additional questions or concernsThank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

Tuesday, December 19, To Whom It May Concern: Thank you for forwarding Ms [redacted] ’s complaint [redacted] to usWhen investigating dispute claims reported by our cardholders, we adhere to the processes as defined in both Regulation E and in NetSpend cardholder agreements that customers receive when opening an accountWe’ve reviewed Ms [redacted] ’s dispute claim and we’ve determined that her claim is being handled correctlyAs you requested, we addressed this matter directly with Ms [redacted] on December 15, and 18, by way of telephoneWe informed Ms [redacted] by email of 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] * [redacted] Customer Experience Specialist Netspend, a TSYS Company

To Whom It May Concern:We received a rebuttal complaint # [redacted] filed with your office by [redacted] Mr [redacted] states that there is no reason for us to hold his moneyHe wants his money returnedAs we stated in our last response, Empower Insurance Group charged Mr [redacted] ’s card $and collected those funds on June 2, If the merchant never collected the funds, we would not be able to dispute the transactionWe updated his disputes claim after ten business days with the final date of August 3rdNo provisional credit was issued on this type of claim of the merchant not providing the servicesWe have no further information until the insurance company responds to the claim we have filed on behalf of Mr [redacted] If the disputes claim is successful, we will credit his account the next business day after the final date, August 4thNetSpend understands the disputes process is a lengthy oneWe appreciate Mr [redacted] ’s patience as we attempt to retrieve his fundsWe 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:We received complaint # [redacted] filed with your office by [redacted] Mr [redacted] states that he previously filed a complaint about a large sum of money missing from the NetSpend cardHe wants us to trace where the money went toOn the previous response to complaint # [redacted] , we stated that the account history for five months was sent to the primary cardholder, Mrs [redacted] Mr [redacted] is not listed on the account as a cardholderAs we mentioned in our telephone conversation, she can add Mr [redacted] to the account or give permisson to speak with him each time they call customer serviceWe have requested the specific transactions from that history that were not done by themIn order to dispute an unauthorized charge, we need the date of the transaction, the merchant name, and the amount collected by the merchantTo date, we have not received the necessary details to file a dispute claimWe have responded to Mrs [redacted] about the ATM transaction fees on the accountNetSpend regrets the inconvenience that Mrand Mrs [redacted] experienced while trying to review their transactionsWe have provided them our contact information should they 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 Prepaid Visa card her father, [redacted] , received as a gift We are required by the USA PATRIOT Act to obtain, verify, and record information that identifies each person who opens a card account with usThe requirement to obtain this information is displayed on the inside flap of the card package and is visible to consumers prior to purchaseThe card package also states that use of the card is limited prior to identity verification and that it is not a gift card Mr [redacted] received a Netspend card intended to be used as a gift card on September 3, On September 26, Mr [redacted] contacted us to activate his card, but he did not want to provide his identity information In response to Ms [redacted] communication, we spoke with Ms [redacted] on September and offered options on how Mr [redacted] could access his funds Mr [redacted] chose to activate his card using the ‘Limited Use’ optionThe ‘Limited Use’ option allows the card to be used for PIN based transactions and in-store purchases only Once all the funds are dispensed, the card can be discarded because it cannot be reloaded We have provided both Ms [redacted] and Mr [redacted] with our contact information should they have any additional questions or concerns Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

Wednesday, January 11, 2017To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning her direct depositOn December 28, 2016, Ms [redacted] received a direct deposit that posted to a Card Account she no longer had in her possession Ms*** did not want a replacement card and our Customer Service Department suggested that she transfer funds to another NetSpend Card Account in order to access her available balanceIn response to her communication, a member of our Corporate Response Team attempted to contact Ms [redacted] to discuss ways to access her available balance We informed Ms [redacted] that the funds could not be returned to the originator, but we did update her address and ordered a new Card Account The Card Account will be expedited and the shipping fee was waived As a courtesy, we issued a credit to her Card Account due to the inconvenience she experienced 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 corresponded with.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

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 meNo choice reallyI did receive a voicemail but haven't had a chance to return the callAt this point, I see no reason toI emailed them asking for the refund of the remaining balanceIts been reiterated in the emails although vague that they cant go into detail about the "suspicious activity" so I'm not sure what else to do about the situation but to just ask for my refund and hope that I receive itI have contacted the credit bureaus and asked that they put an alert to prevent any fraudulent accounts being openedAgain Netspend handled the whole thing poorlyAnd as for me never qualifying for Netspend accounts in the future, believe me I would never ever consider them ever again let alone any other prepaid card companyNot worth this kind of hassleThank you Revdex.com for all of your helpI really appreciate it Regards, [redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning her dispute claim.On April 30, 2016, Ms [redacted] disputed a posted transaction through our website, www.netspend.comWe immediately blocked the card to prevent any further unauthorized useWe opened a dispute claim and began our investigationWe also informed Ms [redacted] of the investigation timeframes afforded to financial institutions, under Regulation EOn May 9, we provided an update on Ms [redacted] claimA provisional credit was not applied due to the dispute type and a deadline for resolution was set for June If the claim is successful, the funds will be returned to Ms [redacted] account on the following business dayUpon receiving her complaint, we reached out to Ms [redacted] on May to discuss her disputeShe advised that the merchant issued a refund to her account on May If NetSpend receives a refund from the merchant, we will immediately post it to Ms [redacted] accountWe understand how frustrating it can be to resolve a dispute with a merchant and we appreciate Ms [redacted] patience while we attempt to get her funds returned.We have provided Ms [redacted] with our contact information should she have any additional questions or concernsThank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

Thursday, September 21, 2017To Whom It May Concern:Thank you for forwarding Ms [redacted] ’s 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] on September 20, by way of e-mail Ms [redacted] received her replacement card and activated it on September 18, We appreciate 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 an unauthorized transaction on her accountOn March 8, 2016, Ms [redacted] noticed an unauthorized charge from DIRECTV on her Netspend card and contacted us on to open a dispute claim Ms [redacted] had previous authorized transactions with the merchant, but stated she did not give consent to being charged againOn March 8th, our Corporate Office spoke with Ms [redacted] to address her concerns and explain the disputes process.We apologize for the inconvenience that Ms [redacted] experienced while waiting for her dispute claim to be resolved She has been given 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 NetSpend is letting Teldebt take money out of her accountShe wants her money backOn July 1, 2015, we spoke with Ms [redacted] concerning the transaction with Teldebt for $ The merchant charged her card on the morning of June 22nd, but never collected the fundsThe money was returned to her card balance that afternoonWe apologize for the misinformation she received on stopping a transaction with a merchantWe cannot stop a pending transaction with a merchantWe can stop future charges by blocking the card number used by the merchantNetSpend regrets the inconvenience Ms [redacted] experienced as a result of the pending charge on her cardWe have provided her 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 claimsOn June 20, 2016, Ms [redacted] contacted us to report an unauthorized transfer of funds from both of her account We immediately opened dispute claims [redacted] and [redacted] and began our investigation A block was also placed on Ms [redacted] ’s accounts to prevent any additional unauthorized activityOn July 7, we concluded our investigation with no credit being issued to Ms [redacted] account because we did not find an error occurred Our Risk Management confirmed that Ms [redacted] ’s security information was verified before the transfer was completedA member of our Corporate Response Team spoke to Ms [redacted] on July to discuss her dispute claimsMs [redacted] advised that she has a police report to support that she did not authorize the funds transfersWe will re-review Ms [redacted] ’s claims once this information is received.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

Complaint: [redacted] I am rejecting this response because: I had my personal information , cell phone stolen from my vechile that day that u.P.Sleft my net spend card in front of door at that time no one was home we were af the hospital we were taken in ambulance I have a report and proof with informatiom of time ambulace picking us up from my house that shows I wasn't HOME .o who ever took my stuff had access my info Regards, [redacted] ***

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] *** [redacted] states that she was double charged by a merchant and her account went negativeShe wants the double charge refundedOn May 14, 2015, [redacted] charged [redacted] ***’s card $Eight hours later they charged the same amount again [redacted] called to inform us it was a double chargeThe next day the merchant collected on both transactionsA credit for $from that merchant was put back on her account on May 17thWe informed [redacted] by telephone and emailNetSpend regrets the inconvenience [redacted] experienced due to the double charge from the merchantShe 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 a request to transfer funds from his new accountMr [redacted] requests the transfer to be completed as soon as possible so he can access his funds.On March 4th, I spoke with Mr [redacted] to address his concernsMr [redacted] stated that he wanted to be able to consolidate his Netspend card with an external bank account he hasI explained to Mr [redacted] how he can use his Netspend account, but that we currently do not consolidate our accounts with external banks.NetSpend regrets the inconvenience that Mr [redacted] experienced in not being able to consolidate his funds in the way he was requestingWe 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