Realcor Developments Ltd.

To Whom It May Concern:We received a rebuttal complaint # [redacted] filed with your office by [redacted] ***She states that she has been unable to reach us for a real resolution She wants us to contact her On August 4, 2015, we spoke with Ms [redacted] and resolved her concern We are mailing her a check for $on August 7th She will receive it in twenty business days at the latest NetSpend regrets the inconvenience that Ms [redacted] has experienced with her NetSpend cardWe 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

Complaint: [redacted] I am rejecting this response because:how did the company do a investigation that quick and I thought the company was supppse to make their customers happy and if it was a good company they would refund a customer funds and I know its old but this is just not right Regards, [redacted] ***

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning her dispute claimOn October 4, 2016, Ms [redacted] reported unauthorized transactions that posted to her accountWe immediately blocked her card to prevent any additional unauthorized use We promptly opened a dispute claim and began our investigation We informed Ms [redacted] of the investigation timeframe afforded under Regulation E.On October 26, we concluded our investigation with no credit being issued to Ms [redacted] ’ account because we did not find an error occurred Based on our investigation, we have reason to believe that the transactions were authorized and that Ms [redacted] benefited from the transactions A member of our Corporate Response Team reached out to Ms [redacted] on October by phone and email, to discuss the results of her dispute claimMs [redacted] responded via emailWe have reviewed the claim using the information Ms [redacted] provided us, and based on our findings, the claim was handled appropriately A letter detailing the results of our investigation was emailed to Ms [redacted] on October 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 TeamNetSpend A TSYS Company

Complaint: [redacted] I am rejecting this response because: The information they have on file was confirmed twice to be on records as well as an active account by customer service representative I have stated and given his personal ID # in my original complaintI believe this company is being continuing to be deceitful and uncooperative Regards, [redacted]

Thursday, June 16, To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning her disputes claim On June 15, 2016, someone identifying themselves as Ms***, contacted us to transfer funds to another NetSpend accountMs*** contacted us later that day to report that the transfer was not authorized by him We immediately opened a dispute claim and began our investigation A block was also placed on Ms***’s account to prevent additional unauthorized activity Upon receipt of her complaint, we contacted Ms [redacted] on June 15, to discuss her disputes claim After our investigation concluded, we provided full reimbursment for the disputed transaction on June We understand how frustrating it can be to experience unauthorized activity on your accountNetSpend is very committed to providing a safe and secure product 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] [redacted] states that she has not received the refund check that was mailed to her in AprilShe wants her address updated so she will receive her checkOn August 19, 2015, we spoke with MsPiland concerning her refund checkWe verified her security and update her name and address on fileWe’ve issued a void request on the check that was initially sent to [redacted] , and once the request is honored, we will reissue a check to the correct addressWe will alert [redacted] when the new check is sentNetSpend regrets the inconvenience MsPiland experienced concerning her refund checkWe 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] Fuller concerning her direct deposit NetSpend receives deposits to our cardholder’s account via ACH (Automated Clearing House) Our policy requires that the name on the deposit match a cardholder’s name listed on the account On October 7, Ms [redacted] received a direct deposit on her account in her maiden name The deposit was placed on hold and a restriction was placed on her accountWhen Ms [redacted] contacted us we removed the restriction from her account asked that she provide documentation showing her name change ,in order to post the direct deposit onto her account In response to her communication, we spoke with Ms [redacted] on October She was able to provide the required documentation and the direct deposit was posted to her account We also reimbursed her the fees that she was previously charged 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] 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 she disputed unauthorized charges done in Mexico and she lives in FloridaShe wants her funds returned in a timely mannerOn June 1, 2015, Ms [redacted] reported the misuse of her card and she disputed charges as unauthorized by herSome of the charges were still pending so she called back on June 5th to dispute the remaining unauthorized transactionsWe paid out both of her disputes claims on June 8thWe also refunded the foreign transactions fees on that dateA disputes closure letter was mailed to her addressNetSpend regrets the inconvenience that Ms [redacted] experienced with the misuse of 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

Tuesday, December 15, 2015To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning the inconvenience that she’s experiencing with her disputes claimShe’s requesting a refund for the disputed items On December 7, 2015, Ms [redacted] called to dispute four charges from the merchant, [redacted] She informed our customer service that the charges were unauthorized and we blocked the card that was used to protect against additional unwanted activityWhen Ms [redacted] spoke with customer service, the transactions were still pending so the disputes claim was started the next day Ms [redacted] was informed that an update would be provided within business days, December 22nd On that day, our Disputes Department will provide an update on the claim, and determine provisional credit eligibilityDispute claims involving foreign transactions can take up to days from the claim creation date to finalize This timeframe allows the merchant reasonable time to respond to the disputes claimWe reached out to Ms [redacted] on December 15th by telephone and email We have not had the opportunity to speak with her, but will assist with her concerns when she returns our call NetSpend understands that the disputes process can take some time to resolvePlease know that we are working as diligently as possible in attempt to recover the funds for Ms [redacted] and we appreciate her patienceWe 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 has not received the $refund from her cardShe wants to receive the funds that were promised to her.On August 4, 2015, we spoke with Ms [redacted] and confirmed her physical addressThe check was mailed by US Postal Service on July 17thShe informed us that she instructed the post office to redirect her mail to a different PO BoxWe are confirming that the old check has not been cashed before we can issue anotherOnce we receive the check status, we will give Ms [redacted] the new timeframe for the second checkNetSpend regrets the inconvenience Ms [redacted] experienced while waiting on her refund checkWe 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] concerning a block on her account that was caused by a merchant refundShe’s requesting access to her funds Our Fraud Prevention Team regularly monitors account activity in order to provide a safe and secure product for all of our cardholdersOn February 4, 2016, a systemic block was placed on Ms [redacted] account after Gulf Eagle Supply credited her 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 MasterCard processing rulesMs [redacted] emailed the documents showing why she received the refund credit on February 9th to our Document Review Team Our Fraud Prevention Team removed the account block the same day NetSpend regrets the inconvenience that Ms [redacted] experienced as a result of the block on her accountShe has my contact information should she have any further questions or concernsThank 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 As you requested, we addressed this matter directly with Ms [redacted] on October 6, by way of telephone, e-mail, or letter The email correspondence we sent outlined our actions to resolve her complaint If a letter has been sent, it should be received within the next five business days Ms [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 matter Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concern Thank you, [redacted] * [redacted] Customer Experience Specialist Netspend, a TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by Donald [redacted] concerning a block on his new account that prevented the card from being used He’s requesting for his funds to be returned to him immediatelyIn 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 Mr***’ accounts on October 3, He is no longer eligible for NetSpend services The factors that lead to the account closure are kept internal for security reasons When Mr [redacted] attempted activate his new card on October 31, 2015, our system recognized that his information was restricted, and a block was placed on the new account A check for the purchase price of the card, and the card balance will be mailed to Mr [redacted] by November 13th On November 10th, we reached out to Mr [redacted] by telephone and email Unfortunately we have not had the opportunity to speak with him, but will assist with his concerns when he returns our call NetSpend regrets the inconvenience that Mr [redacted] experienced as a result of the account blockWe 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

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 Regards, [redacted] I would like to thank the Revdex.com in helpingme get this taken care ofI would also like to thank Netspend for the quick response they had to my concernsI am very satisfied with the outcone of this caseOnce again thank you

To Whom It May Concern: We received additional comments regarding complaint # [redacted] filed with your office by [redacted] concerning the Refer-A-Friend bonus associated with her Netspend Prepaid Debit Card Account A member from our Corporate Office spoke with Ms [redacted] on March 29, and she provided the information for the friend she referred to get a Netspend Prepaid Debit Card We explained that our system recognized a card offer mailed to her friend ten months prior to the card prompted by her Refer –A-Friend promotional email The previous card was never activated, so we issued the Refer-A-Friend bonus to both, Ms [redacted] and her friend We have provided Ms [redacted] with our direct contact information should she have any additional questions concerning this matter Thank you, [redacted] Customer Experience Specialist Netspend, a TSYS Company

Tuesday, December 20, 2016To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning cards he received in someone else’s name to his address.In response to his communication, we spoke with Mr [redacted] on December 20, 2016, and explained that the address and names he mentioned have been removed from our mailing list We also reached out to the customers that the cards were intended for to inform them of the incorrect address we have on fileMr [redacted] has been provided 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 and her son received benefit checks to a NetSpend cardWhen he died, the account funds were frozen and she had no access to the moneyShe wants her funds mailed to her or returned to the Social Security AdministrationOn June 23, 2015, we spoke with Ms [redacted] We were sorry to learn of her son’s passingWe explained that the Social Security Administration (SSA) sent us a Death Notification on June 3rd informing us of the demise of her sonThis type notification blocks the account funds for days or until the SSA notifies us of their intentIf the SSA deposited funds after the death of the beneficiary, they may ask for those funds to be returned to themWe are pending the remaining funds on Ms [redacted] ’s account until we hear from the SSANetSpend regrets the inconvenience that Ms [redacted] experienced as a result of the death of her sonWe 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 a restriction on his account On September 22, 2016, a temporary restriction was placed on Mr [redacted] ’s account by our Risk Management Team due to routine account monitoring, as risk factors were identifiedPreviously, Mr [redacted] had a temporary restriction placed on his account on August 30, due to receiving several merchant refunds to his account without offsetting debits to match the amountsWe requested Mr [redacted] to provide us with original purchase receipts to authenticate the refunds We received the documentation and removed the block on August After speaking with Mr [redacted] on September 22, we removed the restriction the same day A member of our Corporate Response Team reached out to Mr [redacted] to address his concerns regarding the restriction that had been placed on his account and removed the same dayMr [redacted] confirmed that the issue had been resolved and he had no further concerns We 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

Complaint: [redacted] I am rejecting this response because:I will keep fighting this claimI have never dealt with a customer service team such as heartlessI will not accept anything other than the apology necessary for the poor customer service experienceI do not want any other communication from this company if it is not a written apology for my treatmentI will also be posting about the company all over social media since I’m still not being treated like a human beingThis will be the last deposit from my employerI’m done with this company and will happily advise everyone not to use them! So I will continue this fight until I receive a written apology on this websiteI will refuse all replies and mail from themThey can fk offI will continue to reject until I am comfortable with the resolution whether I have to continue this claim or file othersMy time and concerns were not handled as they should have been so I have no problem continuing so NetSpend has to spend their precious time responding to me now :) Regards, [redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a transfer to her NetSpend card.On April 16, 2016, Ms [redacted] contacted our Customer Service Department requesting to transfer funds between her accounts Ms [redacted] was directed to logon to her online account to perform the transfer for free The transfer was not completed because Ms [redacted] ’s other account does not support cardholder transfers We spoke with Ms [redacted] on April 22nd and explained that status of her transfer requests We also advised that we are unable to transfer funds to an external bank account, at this time.We apologize for the misinformation that Ms [redacted] received from our Customer Service Department We have reported this incident to the management staff of the customer service agent she spoke with.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