Realcor Developments Ltd.

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] Mr [redacted] states that a charge occurred on his card, and is still pending after daysHe’s requesting for the pending funds to be released back into his card balanceOn September 1, 2015, the merchant Yaesu, attempted to charge Mr [redacted] ’s card for $Mr [redacted] made a second payment to [redacted] for $on September 10thHe called our customer service later that day to inform us that the merchant cancelled the pending transaction on September 1st, and requested to get the $released back to his card balanceOur customer service requested for Mr [redacted] to send us documents to validate that the transaction was cancelledHowever, when Mr [redacted] ’s account was reviewed by our Customer Response Manager on September 24th, we manually released the funds back to his accountWe’ve also received the documents that Mr [redacted] sent usNetSpend regrets the inconvenience that Mr [redacted] experienced as a result of the pending transactionWe have provided him with our contact information should he have any additional questions or concernsThank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

Thursday, March 29, 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 March 29, 2018, 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 Specialist Netspend, a TSYS Company

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning his pending transaction. On November 11, 2016, Mr. [redacted] contacted our Customer Service Department to report that his card transaction with Cheapdjgear.us had... been declined and he wanted the funds returned to his available card balance. Our agent informed Mr. [redacted] in order to release the pending authorization, we require documentation from the merchant that states they did not intend on collecting the funds. If a cardholder requests a release before we receive the merchant’s settlement request, we require written confirmation from the merchant. This requested confirmation is 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. In response to his communication, a member of our Corporate Response Team spoke with Mr. [redacted] on November 23, to explain why the documents he sent were insufficient to release the transaction. We placed a conference call to the merchant and verified that the transaction had been voided in their system and they will not be collecting. The funds were released to his card balance during the call. If the merchant does collect on the original transaction, Mr. [redacted] will need to dispute the transaction in order to recover the funds. NetSpend’s release of the pending authorization is not a void or cancel of the charge. 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

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning unauthorized transactions she opened a dispute claim forShe is requesting to be reimbursed for the transactions.On February 12, 2016, Ms [redacted] filed a disputes claimI spoke with her on February 26th to address her concernsMs [redacted] stated she was told by our Customer Service that she would receive a provisional credit for the transactions disputed within business daysI advised that it can take up to business days for an initial dispute investigation for new accounts Upon further review by our Disputes Team, we credited her account for the transactions and closed her claim.We apologize for the inconvenience Ms [redacted] experienced while waiting to receive credit to her accountWe have provided her with our contact information should she have any additional questions or concernsThank 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] ***

Complaint: [redacted] I am rejecting this response because:I have proof and pictures/ video surveillance that shows me at home with my card Regards, [redacted] ***

Tuesday, August 30, To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning the fees associated with her new accountOn July 30, 2016, Ms [redacted] ordered a NetSpend card through our websiteShe activated her card on August The default fee plan is a Pay As You Go, if the alternative monthly Fee Advantage plan is not selectedMs [redacted] direct deposit arrived to the account on August and she began using her card for purchasesThe Pay As You Go fee plan charges a $fee for signature purchases and a $fee for purchase using the PINThis was according to the selected fee planMs [redacted] called our Customer Service Department on August 28, and we enrolled her in the Fee Advantage Plan (FAP) for $per monthThe FAP waives the transaction fees associated with debit and credit purchases for the duration of enrollmentAll other account fees may still applyA member of our Corporate Response Team reached out to Ms [redacted] on August 30, but unfortunately, we have not had the opportunity to speak with herWe sent her an email explaining the FAP for her account and provided instructions where she can view it onlineAs a courtesy, we refunded all the transaction fees she was charged since her deposit posted to the accountWe provided Ms [redacted] with our contact information should she have any additional questions or concernsThank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: [redacted] nts in my pocket. I was given wrong information and should not be punished for it I am rejecting this response because: I had 80 ce Regards, [redacted]

To Whom It May Concern:We received a rebuttal complaint # [redacted] filed with your office by [redacted] Ms [redacted] wants to know how she was charged for the fee plan on May 20th if she opted out on May As we stated in our last response, Ms [redacted] was under the Premier Fee Advantage Plan and the $fee was deducted on the 13th of each monthWhen Ms [redacted] opted out of the plan through the online website on May 15th, the $fee was pending to be collectedThe funds were available on the account on May 20th so it was collected at that timeWe explained this during our conversation on June 26thNetSpend regrets the inconvenience that Ms [redacted] experienced with the optional FAPWe 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 an account confirmation letter On January 1, 2017, Ms [redacted] emailed our customer service department and requested an account confirmation letter for her account ending in *** She was informed that we would send her the documentation she needed and the fee associated with the request On January 6, Ms [redacted] contacted us and informed us that she had not received the letter yet A member of our Corporate Response Team spoke with Ms [redacted] on January 12, and apologized for the delay in receiving the account confirmation letter We emailed Ms [redacted] the document as she requested and waived the processing fee She will also receive a copy of the account confirmation letter at the address we have on fileWe 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 Team NetSpend A TSYS Company

Friday, January 19, To Whom It May Concern: Thank you for forwarding Ms [redacted] ***’s complaint [redacted] to usAs you requested, we addressed this matter directly with Ms [redacted] on January 12, by way of telephoneWe sent her an email detailing the actions to resolve her concerns Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concernThank you, [redacted] * [redacted] Customer Experience Specialist Netspend, a TSYS Company

Complaint: [redacted] I am rejecting this response because: The information you found is not efficientYou guys are taking people moneyI did everything that I was suppose to do file complaint lost package and you still telling you handled the problemYet no has my product for me or fundsThis is unacceptable, I never received my products which mean 100% Refund there no if ands about itYou telling me it states it was shipped to my address of course it was suppose to come to my address but yet never signed or received the package, and a loss claim was filed with the shipper so I’m not understanding you not working for the customer or merchant as a customer you did do the full ability to handle this situationIf you called you would of saw they was waiting for merchant so they can pay for lost package but yet the right steps was not done.I would like to resolve thisI just want what is due to me Regards, [redacted] ***

Monday, July 11, 2016To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning unauthorized transactions and the closure of her account.On June 20, 2016, Ms [redacted] contacted us to report an unauthorized transaction that posted on her account We immediately blocked the card to prevent any further unauthorized use and ordered a replacement We promptly opened a dispute claim and began our investigation We also informed Ms [redacted] of the investigation timeframes afforded under Regulation EOn June 23, Ms [redacted] logged into her online account center to report additional unauthorized transactions and created two additional dispute claims, [redacted] and [redacted] She also filed additional dispute claims [redacted] on June 25, and claims [redacted] and [redacted] on July using the same method On July 8th, we provided Ms [redacted] full reimbursement for the disputed transactionsOn July 8th, 2016, our Risk Management Team closed Ms [redacted] ’s account as a result of high risk factors that were identified during our dispute investigationThis also means that Ms [redacted] is no longer eligible for products managed by NetSpendThe specific account activity that triggered the closure is not disclosed to consumers for security purposes.In response to her communication, we spoke with Ms [redacted] on July 11, and informed her that she will receive her remaining account balance in the form of a refund check within business days NetSpend regrets the inconvenience that Ms [redacted] experiencedWe 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

To Whom It May Concern: Thank you for forwarding Ms [redacted] ’s complaint to usAs you requested, we addressed this matter directly with Ms [redacted] on November 10, by way of telephone, e-mail, or letterIf a letter has been sent, 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 concernThank you, [redacted] Customer Experience Analyst Netspend, a TSYS Company

Complaint: [redacted] I am rejecting this response because:maybe if you guys had better security on your website and properly varified each caller then the card would hace not been activated unless it was me.but it wasnt ms that activated the cardLook,I never recieved my money.I told netspend that I work too.I also have a life.im not always home to recieve my mail so dont send me a card.its not my fault they still sent oneIf netspend can send those phone calls in so the Revdex.com and myself can hear them that would be perfect.and try not to edit them before sending them in netspend.you tend to edit things before revealing them,ive had it done to me several times beforeI want my money or we can take this to court Regards, Dominic Rosas

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning fees he was charged for a new Netspend card account while waiting to receive his replacement card for his Turbo Tax account He’s requesting reimbursement of the fees he was assessed.On February 17, 2016, I spoke with Mr [redacted] to address his full concerns including the reimbursement of the fees he was charged.NetSpend regrets the inconvenience Mr [redacted] experienced with the initial use of his card and with the customer service he received We are reviewing his calls with our customer service and will take any appropriate action so this incident is not repeated We 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 meI feel that it shouldn't have taken for me to report to the Revdex.com to get my money back but whatever worksI will be canceling my account with this "bank" Regards, [redacted]

Complaint: [redacted] I am rejecting this response because: I was told by Netspend when I filed my original claim of the fraudulent charges on my account to send all my documentation from the hospital to the dispute department,which I didThat department denied the claim after business daysI am not understanding why they are sending back to the same departmentI would think that a higher department would handle thisThe response from Netspend I feel is not a resolution Regards, [redacted]

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning her dispute claim On August 30, 2016, Ms [redacted] contacted our Customer Service Department to report that her card had been compromised by a merchant, Amazon Digital We immediately blocked the card to prevent any further unauthorized usage and ordered a replacement The transaction was in a pending status at the time and Ms [redacted] would need to call back to dispute the charge if the merchant collected the funds The merchant collected the funds on August Ms [redacted] contacted us on September to dispute the transaction We immediately opened a dispute claim and began our investigationWe also informed Ms [redacted] of the investigation timeframes afforded under Regulation E On September 28, we determined that Ms [redacted] dispute claim was not eligible for a provisional credit, but we are continuing our efforts to investigate her claim In response to this communication, a member of our Corporate Response Team spoke with Ms [redacted] on October 7, and determined one of the transactions was incorrectly included in her dispute claimThis resulted in the wrong card being blocked on Ms [redacted] account We apologized and have removed the transaction from the dispute claim As a courtesy, we provided full reimbursement to her account for the transaction from merchant, [redacted] The claim is scheduled to be finalized by the end of the day on October The results of the investigation will be sent to Ms [redacted] in writing, within business days of completing the investigation 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 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

Thursday, February 15, To Whom It May Concern: Thank you for forwarding Ms [redacted] complaint # [redacted] 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 account We have reviewed Ms***’s dispute claim and we’ve determined that his claim is being handled correctly.We attempted to reach Ms [redacted] by telephone on February 14, and 15, 2018, but unfortunately, we were unable to speak with her An email was sent to Ms [redacted] outlining our actions to resolve her complaint 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