Realcor Developments Ltd.

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] ***Ms [redacted] states that she has to wait – days for her disputes claim to finalize and no credit will be issued since no letter of disputes was received in ten business daysShe wants her credit because she sent the fax before the 10th business dayOn July 15, 2015, we reached out to Ms [redacted] by telephone and emailOur Disputes Team reviewed her claim and issued a provisional credit to her account for the unauthorized chargesNo further action will be required when the clam finalizes since she has received her funds already, as long as the resolution is in her favorNetSpend understands the disputes process is lengthyWe appreciate Ms***’s patience as we attempt to retrieve her fundsWe have provided her our contact information should she have any additional questions or concernsThank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

Monday, November 14, 2016To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning her direct depositOn November 7, 2016, Ms [redacted] contacted us to discuss the status of her direct deposit Our Customer Service Department informed Ms [redacted] that direct deposits are posted as soon as they are received In response to her communication, we attempted to contact Ms [redacted] on November 14, but we were unable to speak with her to address her concernsMs [redacted] deposit, with a settlement date of November 9, posted two days earlier on November Ms [redacted] was able to access her funds that same dayWe 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 appreciate Mr [redacted] ’s additional commentsAs you requested, we addressed this matter directly with Mr [redacted] on December 20, 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

Thursday, October 27, 2016To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning his dispute claim.On September 22, 2016, Mr [redacted] contacted us to open a dispute claim for a transaction that posted to his account by AMAZONWe opened a dispute claim and promptly began our investigation We also informed Mr [redacted] of the investigation timeframe afforded under Regulation E On October 6, we determined that Mr [redacted] dispute claim was not eligible for provisional credit, but we are continuing our efforts to investigate the claimA member of our Corporate Response Team spoke with Mr [redacted] on October 24, regarding his claimWe explained the disputes process and advised Mr [redacted] that the results of the investigation will be sent to him in writing within business days of completing our investigationWe 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, April 28, To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning her dispute claimOn April 9, 2016, Ms [redacted] contacted us to report that her card had been compromised and that an unauthorized transaction posted to her account We immediately blocked the card to prevent any further unauthorized use and ordered a replacement A dispute claim was opened and we began our investigationUpon receiving her complaint, we spoke with Ms [redacted] on April We explained the dispute process and advised that her claim was still being investigated We also apologized for the service that she experienced with our Customer Service Department when she initiated her claim We have reported this incident to the management staff of the customer service agents she spoke with On April 26, we concluded our investigation and issued a credit to Ms [redacted] account along with the associated feesWe understand how frustrating it can be to experience unauthorized charges on an accountNetSpend is very committed to providing a safe and secure productWe 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 a rebuttal complaint # [redacted] filed with your office by [redacted] Ms [redacted] states that her returned deposit has not been received by her employerShe wants her moneyAs we stated in our last response, the direct deposit for Ms [redacted] was returned to the sender on April 11, When an Automated Clearing House (ACH) deposit is sent, it has a corresponding trace numberWe provided the outgoing trace number to Ms [redacted] She can use this with her employer or payroll processor to track down the returned fundsNetSpend regrets the inconvenience that Ms [redacted] is experiencing with locating her returned fundsShe has been given our contact information should she have any additional questions or concernsThank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

Wednesday, July 20, 2016To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning the activation of her daughter’s card We 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 inside flap of the card package and is visible to consumers prior to purchaseThe card package also states that this is not a gift card, the person activating the card must be at least years of age, the use of the card is limited prior to identity verification and the fees are listed on the outside cover for viewing before purchasing.In response to her communication, we spoke with Ms [redacted] on July 21, and gathered the information for the card her daughter purchased Per her request, we are mailing a refund check for the account balance that will be received within ten business days 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 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 direct deposit to her accountAs the receiver of ACH deposits, NetSpend does not control when deposits are sent over to usWe can receive ACH deposits up to two days early, but we will always post deposits as soon as we receive themUpon receiving her complaint, we reached out to Ms [redacted] on May 27, but we have not had the opportunity to speak with herWe will review Ms [redacted] ’s deposit history when she returns our callWe 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

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] . Ms. [redacted] states that she disputed an ATM transaction that did not dispense her cash. When she called after 12 days, she was told to fax in a disputes letter. She’s requesting the funds to be... returned to her card. On September 4, 2015, Ms. [redacted] called our customer service to dispute an ATM transaction for $61.50 as a result of the funds not dispensing. Our customer service advised that her disputes claim would receive an initial update within ten business days, September 21st. On the tenth business day our Disputes Department provided an update that her claim was still under review. When Ms. [redacted] called our customer service back for an update, she was requested to send us a disputes letter and an ATM receipt that confirmed that no funds were dispensed. The additional information will aid our Disputes Department with the investigation of her disputes claim. Ms. [redacted] ’s disputes claim will be resolved by October 19th at the latest. NetSpend understands that the disputes process is lengthy. We appreciate Ms. [redacted] ’s patience as we attempt to retrieve her funds. We have provided Ms. [redacted] 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] The matter is not yet fully resolved; therefore, I can not say say whether or not I am satisfied Regards, [redacted] ***

Thursday, July 13, 2017To Whom It May Concern: Thank you for forwarding Ms [redacted] complaint 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] dispute claim and complaint that reimbursement was not providedAfter review, we’ve determined that her claim was handled correctlyWe attempted to reach Ms [redacted] by phone and email on July 11, but unfortunately, were unable to speak with Ms [redacted] Her 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 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] Customer Experience Analyst Netspend, a TSYS Company

Monday, January 08, 2018To Whom It May Concern:Thank you for forwarding Ms [redacted] ’s complaint 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 complaint that PVC was not providedAfter review, we’ve determined that her claim is being handled correctlyAs you requested, we addressed this matter directly with Ms [redacted] on January 3, by way of e-mailWe provided him with further insight on the dispute processHer 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 her with her concern.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 AnalystNetspend, a TSYS Company

Friday, May 29, 2015To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] *** Ms [redacted] states that her card was used for unauthorized charges that she disputed She wants the refund immediately On May 25, 2015, Ms [redacted] disputed a charge from Grubbhub for $ We informed her that we would issue her an update on the claim within ten business days, June 8th At that time, the provisional credit decision will be made for her disputes claim NetSpend understands the disputes process can be a lengthy one We appreciate Ms***’ patience while we attempt to retrieve her fundsShould she have any additional questions, she can reach us at the toll free number, [redacted] Thank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

Tuesday, June 21, To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning her dispute claim On April 4, 2016, Ms [redacted] contacted us to dispute several unauthorized transactions that posted to her account We immediately blocked the card to prevent further unauthorized useWe opened dispute claim [redacted] and began our investigationWe issued Ms [redacted] a provisional credit her dispute was under investigation On May 15, 2016, Ms [redacted] contacted us to open dispute claim [redacted] We immediately began our investigation and advised that a provisional credit was not available for the dispute claim type We concluded our investigation of claim [redacted] on May A letter was sent to Ms [redacted] advising the provisional credit that was applied earlier will be permanent We later received documentation from the merchant validating one of the transactions and it was reversed from Ms [redacted] ’s account After a reinvestigation of claim [redacted] , we confirmed that the transaction that was previously reversed was done in error We have reimbursed Ms [redacted] ’s account for the disputed transaction on June We contacted Ms [redacted] on June and advised that reimbursement was issued for the reversed transaction We also explained when claim [redacted] will be completed We provided Ms [redacted] with our contact information should they have any additional questions or concerns Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

Thursday, September 21, 2017To Whom It May Concern:Thank you for forwarding Mr [redacted] ’s complaint [redacted] to usPlease note that Netspend is not associated with the individuals or companies who offered the promotion that Mr [redacted] describes in his complaint, nor does Netspend offer gift cards We attempted to reach Mr [redacted] on September 21, by telephone, but unfortunately, we were unable to speak with himThe email we sent on September 21, outlined our actions to resolve his complaint Mr [redacted] ’s case has been assigned to Corporate Response Team Analyst, *** Should Mr [redacted] contact our Customer Service Department, we have left notes on her account for her 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

Wednesday, May 10, 2017To Whom It May Concern:Thank you for forwarding Ms [redacted] additional comments to usWhen investigating dispute claims reported by our cardholders, we adhere to the processes as defined in both Regulation E and in the NetSpend cardholder agreements that customers receive when opening a Card AccountWe have reviewed Ms [redacted] dispute claim and complaint that provisional credit was not providedAfter re-review, we have determined that her claim was handled correctlyWe attempted to reach Ms [redacted] by phone and email on May 10, 2017, but unfortunately, we were unable to speak with herWe emailed her on May 10, informing her of the dispute process and provided her with the date her claim is scheduled to be concluded Her 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 Analyst Netspend, a TSYS Company

Wednesday, June 15, To Whom It May Concern: We received additional comments regarding complaint # [redacted] filed with your office by [redacted] concerning her dispute claim We appreciate Ms [redacted] ’s additional comments We re-reviewed her account based on the information she provided and confirmed that the investigation was handled properly We did not find that an error occurred based on the documentation provided by the merchant, validating the transactions were authorized We apologize that Ms [redacted] did not receive this documentation when she first requested it 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 Team NetSpend A TSYS Company

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning a new card activation We 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 On February 18, 2016, Ms [redacted] sent documents to have an additional cardholder added to her account Our review determined the documents not to be in their original state We closed Ms [redacted] ’s account and restricted both individuals information in our system Ms [redacted] attempted to activate her new NetSpend card on November Our system recognized her information as being associated with the prior restricted account and automatically blocked the account Our Risk Management team determined that Ms [redacted] is no longer eligible for products managed by NetSpend and the account was closed A member of our Corporate Customer Response Team spoke to Ms [redacted] on November 28, and explained the Risk Management Team’s decision The refund check for the card balance had already been processed, so we refunded the cost of the card purchase in a separate check Ms [redacted] will receive two checks totaling $within ten business days 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

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 as far as Netspends part They sent me my bank statements which I then forwarded to Western Union.....So it looks like my complaint should now be against Western Union Regards, [redacted] ***

To Whom It May Concern: We received additional comments regarding complaint # [redacted] filed with your office by [redacted] concerning a NetSpend Prepaid MasterCard he received in the mail. On March 10, 2017, a member from our Corporate Office reached out to Mr. [redacted] to provide the source details from our Marketing Department as he requested. We emailed Mr. [redacted] the information on how we received his name and address. Mr. [redacted] confirmed he received our correspondence. He also stated he will contact his internet service provider and the merchant’s website that provided us with his information. We have provided Mr. [redacted] with our contact information should he have any additional questions or concerns. Thank you, [redacted] Senior Customer Experience Specialist Netspend, a TSYS Company