Realcor Developments Ltd.

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] Ms [redacted] states that she had to provide copies of her Social Security card and driver’s license to verify her identity while activating the NetSpend cardShe wants a full refund for the money she placed on the cardFederal 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, physical residential 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 cardIf the information provided cannot be verified by, we will request documents to manually verify the account informationThe NetSpend card package informs the buyer that we require the above informationIt also states the person activating the card must be at least years of age, and the use of the card will be limited prior to identity verificationOn July 20, 2015, Ms [redacted] requested the account to be closedA check was mailed by US Postal Service on July 23rd in the amount of $NetSpend 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

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning a NetSpend card that was mailed to her that she did not orderShe’s requesting for NetSpend to stop sending her cards and to know how we obtained her information NetSpend works with third party marketing partners that provide us with information for consumers who may need a service like our prepaid debit cardWe mail those consumers card offersThe card offer is not active and the card cannot be used unless activatedOur activation verifies the identity of each potential cardholder as a part of our Customer Information ProgramThis ensures that the card can only be used by the intended recipientDuring the offer activation, we collect social security number and date of birth to verify identity onlyThere is no credit check involved because our Prepaid Debit Card is not a credit cardOn February 4, 2016, we reached out to Ms [redacted] by telephone and email We have not had the opportunity to speak with her, but will address her concerns when she returns our callWe have canceled the card offer that was sent, and have updated our systems to prevent future card offers from being mailed to her address Additionally, we have submitted a request to our Marketing Department in order to confirm how Ms [redacted] ’s name and address were obtainedWe will convey that information to her once it is received We regret any inconvenience that Ms [redacted] experienced as a result of this card offerShe has been given our contact information should she have any additional questions or concerns Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

Wednesday, May 4, To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning his dispute claimOn March 19, 2016, [redacted] contacted us to dispute several transactions that posted to his account We immediately opened a dispute claim and began our investigationWe also informed [redacted] of the investigation timeframes afforded to financial institutions under Regulation EUpon receipt of his complaint, we spoke with [redacted] on April regarding his dispute claim A provisional credit was applied to his account on May while his claim is investigated We will provide a final update on [redacted] ’s claim once if finalizes on July We understand how frustrating it can be to experience unauthorized charges on your accountNetSpend is very committed to providing a safe and secure productAdditionally, we apologize for any unprofessionalism [redacted] received and will be sure provide the proper coaching to avoid this from happening moving forwardWe have provided [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 contacted them after they left me a message in my phoneIt came to no resolution for both partsMy account was pisitive when close it and no talk about being negative for pending transactionsThey said I was negative balance of $when no calls and letters telling me about this I am not happy with their response because I was the one that contact them in the first place because my transactions did not add to the balance in question back to the two dates in questions that were numbered in their responseI was left confused and No, back then I was no overdraff, I was looking for my $dollars that mysteriously disappeared, and call to their attention, tgen later tgey send statements with the overdraft of $that never seen before.For sure, I know that my account was not overdraft and for sure it is not negative I am asking them to provide statements when overdraft came and the transactions after I closed the account that put me in negative, and all letters they send, telling me and notifying me about this Last time I spoke with them before starting dispute with Revdex.com and last recently phone call after they responded to your company, about the $negative balance that I did not know about it, I believed my account was positive and closedSo is it closed or not?Need clarification of all activities in that account as my name is on itRegards, [redacted] ***

Complaint: [redacted] I am rejecting this response because: after speaking with Mr [redacted] who mentioned that he would work on it and hopefully get it resolved by yesterdayI have yet to hear from himThis has been going on three months with no conclusion to this matter I would still like the credit to my account from my disput Regards, [redacted]

Friday, August 12, 2016 To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning his dispute claim. On July 29, 2016, Mr. [redacted] contacted our Customer Service Department to report a pending authorization from [redacted] that was not authorized by... him. We immediately blocked his card to prevent additional unauthorized charges and ordered a replacement. The merchant collected on the authorization and the transaction posted to Mr. [redacted] account the following day. On August 01, we promptly opened a dispute claim and began our investigation. We also informed Mr. [redacted] of the investigation timeframes afforded under Regulation E. A member of our Corporate Response team spoke with Mr. [redacted] on August 4, and reviewed the account transaction history with him. We conducted a conference call with Mr. [redacted] and the merchant in an attempt to resolve the overcharge issue. The merchant agreed to issue a credit to Mr. [redacted] account for the full amount of the overcharge. Once the credit posts to Mr. [redacted] account we will notify our Disputes Department to close the dispute. On August 06, the merchant issued a partial refund to Mr. [redacted] account. In response to an email communication we received from Mr. [redacted] , the Manager of Corporate Response Team spoke with him on August 12 and advised we will continue our investigation of his dispute claim. On August 15, his claim will be reviewed to determine provisional credit eligibility. The claim is scheduled to be finalized on September 15. The results of the investigation will be sent to Mr. [redacted] within three business days of the deadline date. We 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

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning the inconvenience that she’s experiencing with obtaining a resolution for her disputes claimShe’s requesting to be reimbursed for the disputed transactions On December 20, 2015, Ms [redacted] disputed a payment to the merchant, [redacted] **When she spoke with customer service, she was informed that an update would be provided within business days, January 5, On the tenth business day our Disputes Department sent notification to Ms [redacted] advising that her disputes claim was still being reviewed, and would be resolved by February 22ndA provisional credit was supposed to be issued to her account at that time, but unfortunately it did not take place until January 11thFeedback has been provided to our Disputes Department management team as a result of the delay in applying the provisional creditWe spoke with Ms [redacted] on January 13th and she informed us that her concern has been resolvedWe apologize for the delay in applying the provisional credit to Ms [redacted] ’s accountShe has our contact information should she have any additional questions or concerns Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

Friday, April 15, 2016 To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning a block on her account and access to her funds. On March 24, 2016, someone claiming to be Ms. [redacted] contacted our Customer Service Department and completed a... cardholder transfer. Ms. [redacted] later contacted us to report that she did not request the transfer and opened a dispute claim. We immediately blocked her card to prevent further unauthorized use and began our investigation. On March 30, 2016, Ms. [redacted] contacted us to report that her replacement card was not received and that additional unauthorized transactions were completed on her account. We immediately blocked her replacement card to prevent further unauthorized use. A second dispute claim was opened and we began our investigation. On April 7 and 12, we completed our investigation of Ms. ***’s dispute claims and issued a credit to her account. On April 8, a block was placed on Ms. ***’s account due to the suspicious activity involved. Ms. [redacted] contacted our Customer Service Department and we requested that she send us documents to verify her identity. On April 9, we spoke with Ms. [redacted] and explained the documents needed to remove the block from her account. To this date, we have not received all of the documents needed to verify Ms. ***’s identity; however, should she send all of the documentation requested, we will promptly remove the block on her account. Ms. [redacted] has 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 NetSpend card that was mailed to his residence. He’s requesting for NetSpend to remove his information from our system and to not be contacted again. [redacted] has requested that we do not contact him. We have canceled the card offer that was sent and have updated our systems to prevent future card offers from being sent to him. Additionally, we have submitted a request to our Marketing Department in order to obtain information on how his name and address were obtained. We will be mailing [redacted] a letter with the details on how the card order was generated. We regret any inconvenience [redacted] experienced as a result of this card offer. Our contact information has been given should the potential cardholder 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 her dispute claim. On February 15, 2017, Ms. [redacted] logged into her online account center to report a transaction that posted on her account by the merchant,... Sprint. We promptly opened a dispute claim # [redacted] and began our investigation. We also informed Ms. [redacted] of the investigation timeframe afforded under our dispute resolution process. On March 2, we determined that Ms. [redacted] dispute claim was not eligible for a provisional credit, but we are continuing our efforts to investigate the claim. The claim is scheduled to be finalized by the end of the day April 17. The results of the investigation will be sent to Ms. [redacted] in writing within 3 business days of completing our investigation. A member from our Corporate Office attempted to reach Ms. [redacted] on March 09, to explain the dispute resolution process, but we were unable to speak with her. We sent an email communication to Ms. [redacted] and provided her additional information regarding her claim. We also provided Ms. [redacted] with our contact information should she have any additional questions or concerns. Thank you, [redacted] Senior Customer Experience Specialist Netspend A TSYS Company

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning her dispute claim On September 7, 2016, Ms [redacted] contacted our Customer Service Department regarding an ATM transaction that she did not receive funds forWe opened a dispute claim and promptly began our investigationWe also informed Ms [redacted] of the investigation timeframe afforded under Regulation EOn September 8, we issued Ms [redacted] a provisional credit while we continue with our investigation Our records show that on September 16, the merchant refunded Ms***’ accountWe notified Ms [redacted] on September 23, that due to the merchant refunding her account, we will be reversing the provisional credit on October A member of our Corporate Response Team spoke with Ms [redacted] on December 12, to review her dispute claimWe confirmed with Ms [redacted] that the merchant refunded her account, which led to the reversal of her provisional creditWe are mailing Ms [redacted] her account statements for reviewMs [redacted] should receive these statements within 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

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning a NetSpend card offer that was sent to her daughter who is a minor. NetSpend works with third party marketing partners that provide us with information for consumers who may need a... service like our prepaid debit card. We mail those consumers card offers. The card offer is not active and the card cannot be used unless activated. Our activation verifies the identity of each potential cardholder as a part of our Customer Information Program. This ensures that the card can only be used by the intended recipient. During the offer activation, we collect social security number and date of birth to verify identity only. There is no credit check involved because our Prepaid Debit Card is not a credit card. The primary cardholder must be at least 18 years of age. On March 16, 17, and 22, 2016, we reached out to Ms. [redacted] by telephone and email, but unfortunately, we did not have the opportunity to speak with her. Once she provides the information for the card offer sent to her daughter, we will locate it in our system. We can then cancel the card offer and remove her daughter’s information from our systems to prevent future card offers from being sent to her. Additionally, we will submit a request to our Marketing Department in order to obtain detailed information on how her daughter’s name and address were obtained. We will convey that information to Ms. [redacted] once it is received. NetSpend regrets any inconvenience that Ms. [redacted] and her daughter experienced as a result of this card offer. We also apologize that she was not directed to a supervisor when the request was made. Ms. [redacted] has been given my 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: Thank you for forwarding Mr***’ complaint to usAs you requested, we addressed this matter directly with Mr [redacted] on January 29, 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 Tell us why here

Complaint: [redacted] I am rejecting this response because:The company did not complete a thorough investigation and in result of this has caused me to loose more money than the dispute was forThey never contact or address why they did not contact the Motel corporation even though he information was provided to them Regards, [redacted]

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning a transaction on her accountOn July 23, 2016, we received an authorization request from [redacted] to hold $Later that same day, Ms [redacted] contacted us and reported that the order was cancelledWe requested Ms [redacted] to provide us with documentation from the merchant that would confirm the cancellation of the transaction in order to release the funds If a cardholder requests a release before we receive the merchant’s settlement request, we require written confirmation from the merchantWe request confirmation for the protection of our cardholders as well as merchants who, having received authorization for a transaction, have the right to collect for legitimate transactions On July 24, we received documentation and released the pending transactionLater that day, the merchant refunded Ms [redacted] ’s account and then also posted a charge for the same amount, which counterbalance each other and should not have affected her available balance Our Corporate Response Team spoke with Ms [redacted] on July to discuss the transactionMs [redacted] understands that opening a dispute claim is not needed since the merchant refund and charge cancelled each other outMs [redacted] advised that an authorized pending charge on July of $by [redacted] is not expected to be collectedWe released the pending transaction back into Ms [redacted] ’s available balance and advised this is not a stop payment Additionally, Ms [redacted] expressed that she did not receive a positive customer service experience when she contacted us about the original pending transactionWe 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 other additional questions or concerns Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

To whom it may concern: Thank you for forwarding Mr [redacted] ’s complaint [redacted] to us 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 card packaging which is visible before purchase We attempted to reach Mr [redacted] on August 30, and September 5, via telephone, but unfortunately we were unable to speak with himWe emailed Mr [redacted] requesting to speak directly with the person listed on the account due to security reasons since his name is not listed on the accountAs you requested, we addressed this matter directly with the primary account holder by way of e-mail 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

Friday, July 10, 2015To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] *** Ms [redacted] states that she made a onetime payment with a merchant and she has proof She disputed the overcharged amount but did receive a refund She wants to be reimbursed $ On May 3, 2014, Ms [redacted] disputed transactions on her NetSpend for $and $from Patriot Bail Bonds We updated her disputes claim in ten business days with a request for documents to show the overcharge We closed the claim on June 16, with no error found on the transactions Ms [redacted] had previously provided the merchant with the card number to complete a charge No letter of disputes was presented by her to show an error by the merchant NetSpend regrets the inconvenience that Ms [redacted] experienced while disputing the transactions in We 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

My name is [redacted] this is in reference to the complaint I filed on net spend prepaid cardI am not pleased with the outcome On 3/28/I received a paper check in the amount of $from net spend I am stilled owed $which is my tax refundI spoke with the IRS on 3/30/and told them what net spend had said about waiting on a reply from the IRS to see what to do with the rest of my funds weather to return them to me or send them back to the IRSI was told by IRS once the funds leave them they have nothing to do with the funds as long as the account the funds are going to be deposited into accepts and ok the amountIf their was a problem with the refund it would never had been deposited into an account that a paper check would have been issued once it was solvedWhy did ne tspend put a hold on my refund it their was not a problem with my return according to the IRS? I would like to have my tax return funds returned back to me as soon as possible as their is not nor was their any problems with my returnI would is it ok for net spend to report my card stolen (when I still have my card) just so they can close my account? Thank You for your time and helpYou can reach my at my new e- mail address above [redacted] as I will be waiting on a reply [redacted]

Wednesday, January 31, To Whom It May Concern: Thank you for forwarding Ms [redacted] complaint [redacted] to usNetspend 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 informationThe 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 activatedAs you requested, we addressed this matter directly with Ms [redacted] on January 30, by telephoneWe emailed Ms [redacted] the details outlining 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

Friday, April 21, 2017To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a NetSpend Card Account offer.NetSpend relies on affiliate marketing services as a source for reaching potential new customers and Card Account 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 Account offer can only be used by the intended recipientIf the recipient cannot be verified, then the offer cannot be activated.A member of our Corporate Response reached out to Ms [redacted] on April 18, 2017, to discuss the Card Account offer She was unable to provide the Card Account number at that time, but we have permanently removed her name and address from our mailing listShe should not receive any future offers from products managed by NetSpendMs [redacted] has been provided with our contact information should she have any additional questions or concerns Thank you, [redacted] Corporate Customer Response TeamNetspend, a TSYS Company