Realcor Developments Ltd.

Tuesday, September 27, To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning the overdraft fees associated with her son’s accountMs [redacted] ’s son opted into the optional Overdraft Protection Program on August A member of our Corporate Customer Response Team spoke with Ms [redacted] on September 26, and explained the details of the optional Overdraft Protection Program on her son’s accountWe reimbursed all of the overdraft fees that were incurred and successfully opted him out of the serviceWe 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

Wednesday, February 21, 2018 To Whom It May Concern: Thank you for forwarding Ms. [redacted] complaint [redacted] to us. When 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. [redacted] dispute claim and we’ve determined that her claim is being handled correctly. As you requested, we addressed this matter directly with Ms. [redacted] on February 20 and 21, 2018 by telephone. She relayed some details regarding her claim that were not considered in our original decision. We escalated her claim for additional review. 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 concern. Thank you, [redacted] Customer Experience Specialist Netspend, a TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] . Ms. [redacted] states that she has not received the $25 check that we promised to send her. She wants the money refunded to her. On July 2, 2015, we mailed a check for $25 to Ms. [redacted] ’ address. That... check was returned back to us as undeliverable on July 29th. We’ve attempted to contact Ms. [redacted] by telephone and email, but have not been able to reach her. Once we communicate with Ms. [redacted] , we will make arrangements for her to receive the check. NetSpend regrets the inconvenience that Ms. [redacted] experienced with receiving her refund check. We have provided her 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 Mr [redacted] complaint to usAs you requested, we addressed this matter directly with Mr [redacted] on July 7, by way of e-mailIf 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 concern, [redacted] Customer Experience Analyst Netspend, a TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] Mr [redacted] states that a hotel released a hold but it was not released to his cardHe wants the funds released to his cardOn May 19, 2015, the pending charge from the hotel was released to Mr [redacted] ’s cardA member of our team spoke with him the next day to resolve his issueNetSpend regrets the inconvenience that Mr [redacted] has experienced while waiting for the hotel charge to be released to his cardHe has been given our information should he 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 doesn’t have a NetSpend account, but is receiving e-mail messages about a NetSpend accountShe wants her email removed from the NetSpend systemOn July 1, 2015, one of our NetSpend cardholders updated the activity alerts feature on their accountThis individual must have mistakenly entered Ms [redacted] ’s email addressThis is why she was receiving the alertsNo personal information was provided in the alert that was sentWe have removed Ms [redacted] ’s email on July 24th and she should not longer receive messaging from NetSpend.NetSpend regrets the inconvenience that Ms [redacted] experienced as a result of receiving the e-mail messagesWe have provided her 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: the funds have not been returned, and I have not received a letterI was informed the dispute was reopenedWill not accept anything until I have my money back!! It’s been almost a monthTotally uncalled forNetspend always has and always will be a horrible companyHas I known paypal worked with themI never would’ve placed my money in their greedy handsThis happened before when I had a netspend card and I closed the account after finally getting my moneyI want my moneyNot another dispute There’s morning to dispute my money disappears & I never received the goods or services I allegedly purchased [redacted] ***

Revdex.com:Netspend failed to note that it took days and on the 4th morning they contacted meI paid the balance off the same day I activated the new cardWhich they also fail to mentionA $credit seemed almost offensive, give I spent 8+hrs on the phone, was hung up on and even left on hold for 3hrs with a so called supervisorThen to close the other acct and mail me a refund they wanted 5$ to process the check even though I'm not requesting a check its just the only way they allow you receive your funds after you close an acctI won't continue business with netspend and I will be sure to voice my opinion to others about the level of service they offer to their customer 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: The documents submitted for [redacted] were fine In fact, it is no longer even necessary to add him as a user I am fully aware of the terms of the card HoweverI called in to Customer Service prior to submitting any documents and I was advised to submit what was submitted Mr [redacted] does not have a social security number Instead, the IRS issued him and ITIN So there is nothing fraudulent here It is this business just making a stupid and arbitrary decision I do not accept this!!!! Regards, [redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning the ATM fees associated with her Skylight Prepaid VisaThe Skylight 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 feesMs [redacted] mentioned certain ATM’s in her local area that include US BANK, are listed that she should be able to withdraw without being charged a fee from the ATM merchant A member of our Corporate Response Team has attempted to reach out to Ms [redacted] on August 8, by phone and email to discuss the fees, unfortunately, we have not been unable to speak with herAs a courtesy, we have refunded recent ATM associated feesOnce Ms [redacted] contacts us, we will be glad to review the other fees associated with her cardWe have provided him 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 the inconvenience she is experiencing with a merchant billing dispute Ms [redacted] disputes claim was initiated on March 6, The next day, our Disputes Department notated her account and advised that her claim was still under review and will be resolved by April 22ndA provisional credit was not issued as a result of the disputes claim typeThe forty-five day timeframe provides the merchant enough time to respond to our disputes claim When Ms [redacted] claim finalizes, we will credit the full amount back to her account, if the claim is successful On March 23rd, we spoke with Ms [redacted] and addressed her concerns We explained that the merchant has not yet responded to our disputes claim NetSpend understands that the disputes process is lengthy, and we appreciate Ms [redacted] patience as we attempt to retrieve her money We 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 a replacement card she did not receive On January 21, 2017, Ms [redacted] ordered a NetSpend card account thought our websiteThe card was shipped with standard – business day delivery timeframe Ms [redacted] contacted our Customer Service Department on January 24, to inquire about the card delivery timeframeShe requested an expedited card to be delivered to her address because she already submitted her direct deposit information to her employer We informed her the tenth business day for her delivery card would be February Our agent informed Ms [redacted] of the $fee to expedite another card The expedited card was mailed to her address on fileThe expedited card was returned to NetSpend as undeliverable on January Later that same day, Ms [redacted] direct deposit posted from her employer and went into pending status A member of our Corporate Office spoke with Ms [redacted] on January regarding her accountOur records indicate Ms [redacted] received and activated the card that was ordered online We informed Ms [redacted] the expedited card was returned to us as undeliverable As a courtesy, we refunded the cost to expedite the card delivery We have provider Ms [redacted] with our contact information should she have any additional questions or concerns Thank you, [redacted] Customer Experience Analyst NetSpend, a TSYS Company

Saturday, December 23, 2017To Whom It May Concern:Thank you for forwarding Mr [redacted] ’s complaint to usAs you requested, we addressed this matter directly with Mr [redacted] on December 17, 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 concern.Thank you, [redacted] Customer Experience AnalystNetspend, a TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] *** Mr [redacted] mentions that he added funds on his card, but a transaction he attempted declined I have attempted to contact Mr [redacted] on March 3rd and 4th by phone and email to address his concerns, but have not heard back from himShould Mr [redacted] contact me, I will review his account with him.NetSpend regrets any inconvenience Mr [redacted] experienced with his card being declinedWe 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

Hello Yes please, can you reopen my complaintbecause the NetSpends company promised to reimburse my money, but in fact they have never done thisBest regards [redacted]

Monday, July 10, 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 10, by way of telephoneWe emailed Ms [redacted] the details of the actions to resolve her complaint on 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 the difficulty she experienced while attempting to get a refund for a NetSpend card she purchasedShe’s requesting a refund and her information removed from our system 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 accountWhen our cardholders open a card account, we will ask for their name, physical street address, date of birth, and other information that will allow us to reasonably identify themThis information can be found on the outside of our card packaging In addition we inform the customer on the front of the package that this is not a Gift Card On February 5, 2016, we spoke with Ms [redacted] and addressed her concerns We apologized for the incorrect name being entered on her accountHer call to customer service has been reviewed and appropriate action taken to insure no reoccurrences We advised that she will receive a refund check within ten business days to her address NetSpend regrets the inconvenience that Ms [redacted] has experienced with our productWe 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 a restriction on her accountOn July 30, 2016, Ms [redacted] purchased a new PayPal Prepaid Debit Card from a retailer and loaded $on itMs [redacted] attempted to use her card but it was declined, so she contacted our Customer Service Department for assistanceMs [redacted] was informed that due to the restriction placed on her account she would be unable to activate and use the card A member of our Corporate Response Team spoke with Ms [redacted] on August and advised that our Risk Management Team closed her account on March 10, because they identified risk factors associated with her activity/information on previous accounts she had through NetspendThese risk factors are not shared publicly for security reasons and Ms [redacted] is no longer eligible for products managed by NetSpend.A refund check will be mailed to Ms [redacted] ’s address on fileShe should receive this check within ten business days.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

Monday, January 29, 2018To Whom It May Concern:Thank you for forwarding Mr [redacted] complaint [redacted] to usAs you requested, we addressed this matter directly with Mr [redacted] on January 29, by way of telephone An email was sent to Mr [redacted] outlining 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 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.Thank you, [redacted] Customer Experience Specialist Netspend, a TSYS Company

Complaint: [redacted] I am rejecting this response because: they are not telling the truthI have contacted the IRS on multiple occasions in which they have told me that they are not reviewing my accountAlso they told me that once my account was closed that Netspend should have sent my funds directly to me not waiting on the IRSI have spoke to many netspend CSRs over the time from Feb 17th until nowIn which for about weeks they told me that my money was being mailed out to me and that I should receive it in business daysThen on March 3rd that's when I was told that my money was being sent back to the IRSNetspend has lied on many different occasions so this is why I am rejecting this Regards, [redacted]