Realcor Developments Ltd.

Complaint: [redacted] I am rejecting this response because:I am truly DISGUSTED by Netspend!!! They are trying to make it seem as though I am a liar and that I authorized these transactions and have benefited from them when in fact I DID NOT! I specifically informed [redacted] that I only used that card for the purpose of having my deposits go there to save my money to purchase a vehicle, and that is why I didn't notice the card was being used because I didn't check it being that I wasn't using it for personal spendingAlso, I asked how did Netspend come up with the conclusion that they "believed" I authorized the fraudulent charges, but still to this day I have not received a valid answer! The bottom line is this, I have been victimized and stolen from! I trusted Netspend with my money and was victimized once more as if I'm some sort of criminal! This is in fact Netspend's regular outcome based on all of the other reviews I've read regarding disputes! I will continue my claim in court against Netspend as I've already started the process and I hope and pray justice will in fact solve my issue! I will then contact several others who've experienced this same exact problem with Netspend being that it is common and make sure that this will end!! Regards, [redacted]

Wednesday, May 25, To Whom It May Concern: We received complaint # filed with your office by [redacted] concerning the ATM fees associated with his [redacted] Prepaid MasterCard The [redacted] Prepaid packaging that the card comes with has important information that notifies the consumer of basic fees that are associated with the card, including ATM fees A fee of $will be charged for any ATM withdraw, in addition to what the ATM owner chargesUpon receipt of his complaint, we reached out to Mr [redacted] on May to discuss the ATM fees associated with his card We refunded Mr [redacted] ’s ATM fees and advised that the fee will be assessed for future ATM withdraws We are in the process of improving our website and apologize for any inconvenience this may have caused Mr [redacted] We have provided him 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

To Whom It May Concern:We received additional comments on complaint # [redacted] filed with your office by [redacted] Ms [redacted] states that she has not heard from NetSpend in a week, and is requesting access to her fundsOn September 25, 2015, our Risk Management Team removed the block on Ms [redacted] ’s account after obtaining the validation needed from the Associate Director of Student Receivables Operations at the University of AlabamaOn October 5th, we reached out to Ms [redacted] by telephone and emailWe haven’t had the opportunity to speak with her, but she has our contact information if additional assistance is neededNetSpend regrets any inconvenience that Ms [redacted] experienced as a result of her account blockThank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

Wednesday, May 17, 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 May 11, by way of telephoneShe spoke directly with the Dispute Analyst the day before to provide additional information concerning her dispute claimMs [redacted] was provided contact information to send her documents to the Dispute DepartmentWe also emailed Ms [redacted] the same details on May 17, because we had not received the documents for reviewOnce we receive the documents we will consider its impact on her dispute claimThank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concernsThank 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 her disputes claim On March 25, 2016, Ms [redacted] contacted our Customer Service Department to report unauthorized transactions on her account We immediately opened a dispute claim and began our investigationOn April 7, we concluded our investigation with no credit being issued to her account Upon receiving her complaint, we reached out to Ms [redacted] on May to address her concerns After further review of her claim, we credited her account for the transactions in question on May 12.We apologize for the poor 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 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 cards she could not activate unless she provided her Social Security NumberShe’s requesting refund checks to be mailed to her addressTo 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 themNetSpend is compliant with the laws concerning the prepaid debit cardWe notify the consumer of this information on the outside of our card packagingMs [redacted] did not want to supply the required information and requested refund checks for her two accounts to be sent to the address provided on September 3, On October 8th, Ms [redacted] confirmed that she did not receive either refund check and a replacement was requested for one of her accountsWe spoke with her on October 14th and she confirmed receiving this new checkWe are currently researching her other check that was not received from the September 3rd mailingOnce we confirm that check has not been cashed, we will send a replacement for itWe will inform Ms [redacted] when it is mailedNetSpend regrets any inconvenience that Ms [redacted] experienced while waiting on her checksWe 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:I emailed them back on why they need to reopen the investigation and refund me but I have not received an email backNothing has been resolved and they are not taking my case in to detail and now I will have to take legal action! Regards, [redacted]

Thursday, May 19, To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning a payout he did not receiveUpon receipt of his complaint, we spoke to Mr [redacted] on May to discuss the funds he’s expecting to receive from [redacted] We requested a copy of the receipt confirming the funds were supposed to post to his Netspend accountOn May 18, Mr [redacted] advised that his payment was sent to a different accountWe have 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

To Whom It May Concern: We received additional comments on complaint # [redacted] filed with your office by [redacted] concerning a block on a card he purchased He’s requesting resolution in his best interest On February 13, 2016, Mr [redacted] called our Customer Service Department to activate his card The email address entered during activation belonged to a different person When that person started getting text message alerts concerning an account with NetSpend, he called to report identity theft Our Fraud Prevention Team regularly monitors account activity in order to provide a safe and secure product for all of our cardholdersOn February 16, 2016, our Fraud Prevention Team blocked Mr [redacted] account and requested that he provide identity documents The documents Mr [redacted] sent were unacceptable for removal of the block We closed his account on February 19th, and as he reported, he has already received the check for his remaining funds NetSpend regrets the inconvenience that Mr [redacted] experienced as a result of the account block We hope he can appreciate our efforts to protect his account and information He 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] ***Ms [redacted] states that her card was not available to use for online purchasesShe wants a full credit of $On May 18, we contacted Ms [redacted] about the use of her cardThe USA Patriot Act is a federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens a card accountWhen our cardholders open a card account, we will ask for their name, street address, date of birth, and other information that will allow us to reasonably identify themNetSpend is compliant with the laws concerning the prepaid debit cardThe information she provided could not be validated for full account approvalThe card could be used for in store purchases onlyWe conveyed this information to Ms***As she requested, we processed a check to be mailed to her on May 22ndNetSpend regrets the inconvenience Ms [redacted] experienced during the card activation processShe has been given 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: I haven't received ANYTHING!!!! I want my money and it needs to happen ASAP! I called them all the time !!!! This needs to be fixed asap or im suing Regards, [redacted]

Tuesday, August 1, To Whom It May Concern: Thank you for forwarding Mr [redacted] complaint # [redacted] to usWe are sorry to hear that Mr [redacted] had a bad experience with our Customer Service DepartmentWe have reported this incident to the management staff of the customer service agents he spoke with to ensure that they receive appropriate coaching on our policies and proceduresWe validated that Mr [redacted] card is no longer active and cannot be used for additional unauthorized transactionsHis dispute claim will receive an update by the close of business day August 14, After our review, we determined Mr [redacted] claim is being handled appropriatelyAs you requested, we addressed this matter directly with Mr [redacted] on July 31, by way of telephoneWe sent Mr [redacted] an email detailing the 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:We received complaint # [redacted] filed with your office by [redacted] ***Mr [redacted] states that an error occurs when he tries to access his PayPal account online with his new PayPal Prepaid MasterCardHe wants to logon as he normally did with his old cardOn May 15, we contacted Mr [redacted] to give an option for his new PayPal Prepaid MasterCardThe older account that Mr [redacted] has from remains linked to his PayPal accountThe fastest way for him to use the new PayPal Prepaid MasterCard would be to link it to a new PayPal accountHe did not want to exercise that optionWe honored his request to close the new cardNetSpend regrets the inconvenience Mr [redacted] experienced the new PayPal Prepaid MasterCardHe has been given our contact information should he have any additional questions or concernsThank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

Wednesday, March 1, 2017To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning her card that was not receivedOn February 21, 2017, Ms [redacted] contacted us to report that her card ending in [redacted] was lost The new replacement card ending in [redacted] was ordered with a – business day delivery timeframe Ms [redacted] transferred her Card Account balance to another Card Account in her name Ms [redacted] called back on February 25, to inform us that she never received the expedited card ending in *** We ordered her another card ending in [redacted] with expedited delivery Ms [redacted] received and activated the card ending with [redacted] on March In response to her communication, a member of our Corporate Office reached out to Ms [redacted] via email on March 1, 2017, to provide further insight about her Card Accounts We ensured Ms [redacted] that she was not charged for the expedited cards We have provided Ms [redacted] with our contact information should she have any additional questions or concerns Thank you, [redacted] Corporate Customer Experience Specialist Netspend, a TSYS Company

To Whom It May Concern: Thank you for forwarding Mr [redacted] complaint # [redacted] to us We reviewed Mr [redacted] claim and determined that it was handled appropriately We validated that Mr [redacted] card is no longer active and cannot be used for additional unauthorized transactions We completed the investigation of Mr [redacted] claim on April 26, 2017and no credit was issued because we did not find an error occurred We attempted to reach Mr [redacted] by phone and email on April 27, and May 1, but unfortunately, were unable to speak with Mr [redacted] We emailed him a letter outlining our actions resolve his complaint and mailed the results of our investigation to his address on file on May 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 concern Thank you, [redacted] Customer Experience Specialist Netspend, a TSYS Company

Thursday, January 07, To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning a block that was placed on her accountShe’s requesting to have the block removed from her card so she can access her fundsOur Fraud Prevention Team regularly monitors account activity in order to provide a safe and secure product for all of our cardholdersOn December 22, 2015, a systemic block was placed on Ms [redacted] ’ account after Napa Store 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 VISA processing rulesThe merchant can also reverse the credit and issue the funds to Ms [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 meansOur Fraud Prevention Team removed the block on January 6th and pended the refund amount of $until we receive documentation from the merchant We attempted to speak with Ms [redacted] on January 6th and 7th to address her concernsNetSpend regrets the inconvenience Ms [redacted] experienced as a result of her not having access to her fundsWe 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: We received complaint # [redacted] filed with your office by [redacted] concerning the fees on his NetSpend card He’s requesting a confirmation that his account is closed On February 1, 2016, Mr [redacted] ordered a NetSpend card through the Turbo Tax website The NetSpend Prepaid Debit Card terms and conditions are present for viewing and acceptance on the Turbo Tax website in addition to www.netspend.com We want each person using our card to be aware of the features for our product so we also include the card terms inside the envelope when the card is mailed to the customer On March 3, 2016, we reached out to Mr [redacted] by telephone and email, but unfortunately, we have not had the opportunity to speak with him We will address his concerns when he returns our call His account was closed on March 2nd, and since his card balance was $0.05, there was no check sent to him No checks are mailed out for balances under the $check processing fee A letter confirming his account closure was mailed to his address on March 4th NetSpend regrets any inconvenience that Mr [redacted] experienced with our productHe has been given my 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 inconvenience she has experienced with her dispute claim timeframe NetSpend’s disputes process is in accordance with Federal Reserve’s Regulation E guidelinesPer these guidelines, the disputes claim timeframe for an initial claim review on new accounts (and provisional credit eligibility) can take up to business daysAn account is considered new when a disputes claim is initiated within days from the first cash or deposit load occurs on an accountIn order to be eligible for the provisional credit our Disputes Department must receive a letter from the cardholder explaining why they feel the charges are in error within the first ten business days We sincerely apologize if this information wasn’t provided to Ms [redacted] On February 24, 2016, Ms [redacted] ’ card was charged $at an ATM and $by Baymont InncShe called our Customer Service on March 3rd to report that the transactions were not done by her We disputed the charges and because this is a new account, her update would be provided in business days, March 31st On that day, our Disputes Department will update the claim and determine if a temporary credit will be issued for the ongoing claim We received Ms [redacted] letter of dispute on March 16th so she is eligible for the provisional credit We spoke with Ms [redacted] on March 21st and addressed her concerns We apologize for any inconvenience that she experienced while disputing the chargesMs [redacted] has our contact information should she have any additional questions or concerns Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

Wednesday, July 26, 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 July 26, by way of telephoneWe emailed Ms [redacted] the details of the actions to resolve her complaint that same dayThank 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 overdraft fee on his account On December 1, 2016, Mr [redacted] contacted our Customer Service Department to inquire about his payroll deposit because it had not posted to his account yetThe evening on December 01, we received and posted Mr [redacted] depositMr [redacted] ’ account was also charged an overdraft fee A member of our Corporate Response Team spoke to Mr [redacted] on December 5, to discuss the overdraft fee Mr [redacted] mentioned that his payroll team deposited his funds later than expectedMr [redacted] stated he was advised that we would reimburse him the overdraft fee that was charged however, it was not reimbursed when he contacted us after his deposit postedWe have reimbursed the overdraft fee back to Mr [redacted] ’ available balance as a courtesy We apologize that Mr [redacted] was not reimbursed the overdraft fee as promised when he contacted our Customer Service DepartmentWe have reported this incident to the management staff of the customer service agents he spoke with We have 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