Realcor Developments Ltd.

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 This is to say the abovementioned complaint has been resolved favorablyI wish to thank them and yourselves for the prompt handling of the matter Regards, [redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning his declined transactions and the fees associated with his account.The NetSpend packaging that the card comes with has important information that notifies the consumer of basic fees that are associated with the cardThis information is also available on our website.Mr [redacted] experienced several card declines due to the fees associated with his accountOn March 17, 2016, I reached out to Mr [redacted] to address his concernsMr [redacted] requested his account be closed once he used all of his fundsAt MrHall’s request, we closed his account on March 21stNetSpend regrets any inconvenience Mr [redacted] experienced with his card being declined and with our feesWe 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

To Whom It May Concern: Thank you for forwarding Mr [redacted] complaint to usWe reviewed Mr [redacted] claim and determined that it is being handled appropriatelyWe attempted to reach Mr [redacted] by phone and email on May 23, but unfortunately, were unable to speak with Mr [redacted] We emailed him outlining our actions to resolve his complaintThank 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

To Whom It May ConcernWe received complaint # [redacted] filed with your office by [redacted] concerning the inconvenience she experienced with charges on her NetSpend card.On April 5, 2016, we spoke with Ms [redacted] and we examined her recent transactions with the merchant NCIC One transaction was collected by the merchant on March 29th and another transaction was pending from April 4th Ms [redacted] wanted to contact NCIC to question the pending charge and we provided the phone number for them On April 8th, we confirmed that the transaction was authorized by her NetSpend regrets any inconvenience that Ms [redacted] experienced with the charges on her cardShe has been given our contact information should she have any additional questions or concerns Thank you, [redacted] [redacted] lCorporate 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 was not able to activate the card she purchased without sending documentsShe wants the money back or the card activatedTo 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, 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 cardThis information is displayed on the outside of our card packagingOn June 6, 2015, Ms [redacted] attempted to activate the new card onlineThe information entered could not be verified by the automated system so she was asked to call customer serviceWe requested for her to email identity documents so we could manually approve the accountWe received the acceptable documents and approved the account on June 10thNetSpend regrets the inconvenience that Ms [redacted] experienced while trying to activate 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

Wednesday, March 21, To Whom It May Concern: Thank you for forwarding Mr*** [redacted] 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 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 on the card packaging prior to purchase We attempted to reach Mr [redacted] on March 16, 19, and 20, by telephone, but were unable to speak with himAn email was sent to Mr [redacted] on March 20, 2018, outlining our actions to resolve his complaint Mr [redacted] case has been assigned to Corporate Response Team Analyst, *** Should Mr [redacted] contact our Customer Service Department, we have left notes on his account for him to be connected with [redacted] to further assist him with this matter 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] concerning a block that took place on his card that was caused by a previous negative balance He’s requesting the block to be removed in order to access his funds On January 29, 2016, a direct deposit arrived for posting to [redacted] account Our system recognized that he had a previous negative balance for more than days, and it automatically blocked the accountMr [redacted] was advised that his past due amount would be recovered from the recent deposit Since that deposit only covered a partial amount of the negative balance, the blocked remained on the account His next deposit arrived on February 3rd and the block was removed two days later We reached out to Mr [redacted] on February 11th by telephone and email We will address his concerns when he returns our call NetSpend regrets the inconvenience that he experienced while attempting to use his card 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

Complaint: [redacted] I am rejecting this response because: I have provided my birth certificate, my Social Security card, and Driver's LicenseI'm willing to also send a copy of my State Identification Card Regards, [redacted]

To Whom It May Concern: Thank you for forwarding Mr [redacted] ***’s complaint [redacted] to us When suspicious activity was detected on Mr***’s card we blocked it to protect his funds We expedited him a replacement card with a different numberHe activated the replacement card on December and was able to access his funds We attempted to reach Mr [redacted] on December 27, 2017, by telephone and by email, but unfortunately, we were unable to speak with himThe email we sent to Mr [redacted] outlined our actions to resolve his complaint Mr***’s case has been assigned to Corporate Response Team Analyst, *** Should Mr [redacted] contact our Customer Service Department, we have left notes on his account for him to be connected with [redacted] to further assist him 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

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 Although my personal resolution is satisfactoryI still believe their advertising practices are deceptive and hope that in the future they can find better more honest means to advertise Regards, [redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] . Ms. [redacted] mentions not being able to active her two NetSpend Prepaid Debit Cards that she funded $500 on. She’s requesting access to her funds on the cards that she purchased. To 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 account. When 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 them. NetSpend is compliant with the laws concerning the prepaid debit card. This information is displayed on the outside of our card packaging. We also inform the consumers that our product is not a gift card on the front of the package. On September 16, 2015, we reached out to Ms. [redacted] by telephone and email to address her concerns. After reviewing her account, we’ve confirmed that Ms. [redacted] provided all required information to validate her account, and her first card was activated for use on July 2nd. She activated the second card on September 1st. Both cards has been utilized after the activation. NetSpend regrets the inconvenience that Ms. [redacted] experienced while attempting to activate her cards. We have provided 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 additional comments on complaint # [redacted] filed with your office by [redacted] concerning her dispute claim.On March11, 2016, Ms [redacted] contacted us to report that her card had been compromised and that several unauthorized charges posted to her accountWe immediately blocked the card to prevent any further unauthorized useA dispute claim was opened and we promptly began our investigationWe concluded our investigation of her claim on March 25, and no credits were issued because we were unable to identify that an error occurredWe have reason to believe that the transactions were authorized and that Ms [redacted] benefited from the disputed transactionsA letter explaining the dispute decision has been emailed and mailed to Ms [redacted] on April 14.Our Risk Management Team closed Ms [redacted] ’ account on March because they identified risk factors associated with her accountA check for the remaining balance on her account was mailed to Ms [redacted] ’ address on April We reached out to Ms [redacted] on May 10, but unfortunately, we have not had the opportunity to speak with her againWe understand how frustrating it can be to experience unauthorized charges on our customer’s 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 concernsThank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: [redacted] I am rejecting this response because: Netspend did not investigate the matterThey refunded me dollars after I had hundreds of dollars taken off my cardI want to warn people not to do business with them or the same thing will happen Regards, [redacted] ***

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning the problems he has experienced with his dispute On January 7, 2016, Mr [redacted] opened an authorized dispute claim for a transaction made on his card with merchant [redacted] , as he cancelled his service with themMr [redacted] was credited for the transaction; however, the merchant charged him again on March 18thMr [redacted] opened another dispute claim for this transaction.On March 24th, I spoke with Mr [redacted] to address his concernsMr [redacted] understands that he will receive an update from our Disputes Team within business days, per Regulation EI also provided my email address to Mr [redacted] should he be able to send me his receipt of cancellation with the merchant.NetSpend regrets the inconvenience that Mr [redacted] experienced while having to open another dispute claimWe 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, March 01, 2018To Whom It May Concern: Thank you for forwarding Ms [redacted] complaint to usDue to risk factors that were identified with Ms [redacted] Card Account, the decision was made to close the account and Ms [redacted] is no longer eligible for products managed by Netspend.We attempted to reach Ms [redacted] by phone and email on March 1, 2018, but unfortunately, we were unable to speak with herMs [redacted] case has been assigned to a Corporate Customer Response Team Analyst, [redacted] Should she contact our Customer Service Department we have left notes on her account for her to be connected with [redacted] to further assist with this matter Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concern[redacted] Customer Experience AnalystNetspend, a TSYS Company

Complaint: [redacted] I am rejecting this response because: The response was untrue! I did speak with someone who thought I had accessed the Mobile App but it wasn't the Mobile App, it was the online log in page. I uninstalled the Mobile App, reinstalled it and still couldn't access it. The lady who called said I could utilize the forgot password option and again I explained that I thought of that but it wouldn't take my information. When you have to use the forgot password it ask for personal info, records it and when you need anything it West Virginia is the most beautiful state in America! Please like or comment on your favorite photo. The most liked and commented on photo will be my next cover photo. If you'd like to participate, send your favorite original photo of West Virginia to [redacted] . Include your name and where the photo was taken and I’ll post the photos as they come in. The winner will be announced in March! for it to verify. It's says my info is wrong rewarded AZ Regards, [redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a card she has not received She’s requesting to receive a NetSpend card in order to access her funds On February 11, 2016, Ms [redacted] ordered a new NetSpend card while processing her tax refund through Liberty Tax Her deposit posted to her account on February 21st and she had not received the card I spoke to Ms [redacted] on February 29th to address her concerns and ordered a card to be expedited to the address on file.NetSpend regrets any inconvenience that Ms [redacted] experienced while waiting to receive her cardShe 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] concerning a NetSpend Prepaid MasterCard offer she received in the mail. NetSpend relies on affiliate marketing services as a source for reaching potential new customers and card offer... recipients’ information is acquired through these business relationships. A 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 information. Because NetSpend feels strongly about customer privacy, we only contract with marketing affiliates that have collected the information from willing consumers 18 years of age and older and have received permission to share it with us. The offer is not active and cannot be used unless activated. During activation, NetSpend verifies the identity of the person activating the offer to ensure that the card offer can only be used by the intended recipient. If the recipient cannot be verified, then the offer cannot be activated. In response to this communication, a member of our Corporate Response Team spoke to Ms. [redacted] and informed her we permanently blocked the card offer on September 26, 2016. Additionally, we have submitted a request to our Marketing Department to provide information concerning how her name and address were obtained. Once this information has been received, it will be conveyed to Ms. ***. We have also removed Mrs. ***’s name and address from our mailing list and she should not receive any future offers from any NetSpend managed programs. Ms. [redacted] has been provided our contact information should she have any additional questions or concerns. Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

Monday, October 10, 2016To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning her dispute claimOn August 19, 2016, Ms [redacted] contacted us to report an unauthorized transaction that posted to her accountWe immediately blocked her card to prevent further unauthorized activity and order a replacement card to be mailed to her address on fileWe promptly opened a dispute claim and began our investigationWe also informed Ms [redacted] of the investigation timeframes afforded under Regulation EOn September 2, we determined Ms [redacted] was not eligible to receive a provisional credit, however, we are continuing with our investigation of her claim.A member of our Corporate Response Team attempted to reach out to Ms [redacted] to discuss her dispute claim, but unfortunately, we have not been able to speak herOn October 3, we concluded our investigation of Mr [redacted] claim and issued full reimbursement for the disputed transactionWe 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 TeamNetSpend A TSYS Company

Saturday, September 26, 2015To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] Ms [redacted] mentions waiting longer than six hours to have her large deposit reviewed and posted to her account She requests the funds deposited to her card On September 16, 2015, we received a deposit over the allowable card balance to Ms [redacted] ’s account We requested documentation to validate the source of the funds We received the document on the following day and our Electronic Funds Transfer Department attempted to verbally verify the funds with the sender That verification was completed by telephone on the morning of September 18th, and Ms [redacted] gained access to her funds through the card NetSpend regrets the inconvenience that Ms [redacted] experienced while waiting for her deposit to post to the account We have provided her with our contact information should she have any additional questions or concerns Thank you, [redacted] Corporate Customer Response TeamSkylight, a NetSpend Company