Realcor Developments Ltd.

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] Mr [redacted] states that his information was released, resulting in a huge cost from a federal court judgmentHe wants all monies refunded and his information to be securedOn August 4, 2015, we attempted to reach Mr [redacted] by telephone and emailNetSpend does not share our cardholder’s information with third parties unless the primary person listed on the account requests for us to provide itWe will also share account details when we receive a subpoena from law enforcement for informationNo subpoenas or judgments appear on any accounts under Mr [redacted] ’ nameNetSpend regrets learning that Mr [redacted] has a federal court judgment against himWe have provided him with our contact information so he can provide us with additional details on how we can assist himThank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

Tuesday, December 19, To Whom It May Concern: Thank you for forwarding Ms [redacted] ’s 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 accountWe’ve reviewed Ms [redacted] ’s dispute claim and we’ve determined that her claim is being handled correctlyAs you requested, we addressed this matter directly with Ms [redacted] on December 15, and 19, by way of telephoneWe informed Ms [redacted] by email of 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] * [redacted] Customer Experience Specialist Netspend, a TSYS Company

Tuesday, December 1, 2015To Whom It May Concern:We received additional comments on complaint # [redacted] filed with your office by [redacted] concerning a refund for the remaing funds on her closed account She’s requesting information about her refund Our Risk Management Department received confirmation from the US Treasury that they received the funds from Ms [redacted] account on October 1, The Accounting Department has reported that check has not been cash as of December 1st We are currently following up the US Treasury to determine if they need the check to be resent The Veterans Assistance Commission Program (VACP) will make the final determination regarding who receives the remaining funds We reached out to Ms [redacted] by telephone and email on December 1st to update her on the funds that have been returned to the US Treasury We did not have an occasion to speak with her, but we will assist her when she returns our call NetSpend regrets the inconvenience that Ms [redacted] experienced with the funds that were returned to the US TreasuryWe 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:We received a rebuttal complaint # [redacted] filed with your office by [redacted] states that it took longer than the six hours to resolve a block that was placed on her accountShe also mentions the poor experience that she’s received with our customer serviceOn September 15, 2015, we reached out to [redacted] by telephone and email, but have not had the opportunity to speak with her [redacted] ’ documents were received at 5:PM EST on August 28thOur Risk Department reviewed her information, and removed the account block at 12:AM EST on August 29thWe apologize for the poor experience that [redacted] received from our customer serviceNetSpend doesn’t condone poor customer service, and we will take the appropriate actions with the representatives that she spoke with after reviewing the calls with our customer service, if necessaryWe appreciate [redacted] as a loyal cardholder of NetSpend, and have issued a courtesy credit to her accountNetSpend regrets the inconvenience that [redacted] experienced as a result of the block on her accountShe has been given my contact information should she have any further 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 her transactions that could not be completed with a merchant She’s requesting for us to either complete the transaction, or release the funds back into her accountOur records show that on November 3, 2015, Ms [redacted] attempted a transaction with the merchant IC SolutionsOnce the transaction was initiated, NetSpend sent IC Solutions a response code (in accordance with the VISA guidelines) to approve the transaction per their discretionIC Solutions didn’t move forward with completing the transaction, and no funds were taken out of Ms [redacted] ’ account as a resultOn the following day, Ms [redacted] attempted a transaction with a different merchant, and the transaction successfully went through.On November 11th, we reached out to Ms [redacted] to make sure that all of her concerns are addressed Unfortunately we have not had the opportunity to speak with her, but will assist with her concerns once she returns our call NetSpend regrets the inconvenience that Ms [redacted] experienced with the attempted transaction with IC Solutions She has been provided my contact information should she have any further 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 her dispute claim On July 8, 2016, Ms [redacted] disputed a transaction through her online account center that posted to her account on March We immediately opened a dispute claim and began our investigation On the same day Ms [redacted] contacted our Customer Service Department to follow up on the claim and we informed her of the investigation timeframes afforded under Regulation E We concluded our investigation on July 22, with no credit being issued to Ms [redacted] ’s account due to her filing the dispute claim outside of the timeframePer our terms and conditions, a cardholder must report a transaction they want to dispute within calendar days of electronically accessing their account as the transaction would have reflected in the transaction history during this time or no later than days per the Safe Harbor Ruling Our records indicate that Ms [redacted] accessed her account, but did not contact us to open a claim until passed the timeframeOur Corporate Response Team spoke with Ms [redacted] on July to discuss her claim Ms [redacted] advised that she did not report the transaction within timeframe because she attempted to resolve the issue with the merchant firstWe confirmed with Ms [redacted] that the transaction is out of timeframe to dispute.Ms [redacted] also expressed that she did not receive a positive experience with our customer service when she originally contacted us to open a dispute claimWe apologize for the poor 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 withWe 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 received complaint # [redacted] filed with your office by [redacted] concerning the inconvenience she experienced with her NetSpend card She was requested to submit verifying documents after she was added to her husband’s account as a secondary cardholderTo 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 or add a secondary cardholder, 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 Mrs [redacted] was added as a secondary cardholder on January 29, Additional information was needed to fully activate her account, and our customer service requested for Mrs [redacted] to send in identity documents We reached out to Mrs [redacted] by telephone February 1stWe advised that we were unable to verify her identity, and unfortunately, we could not add her to her husband’s NetSpend account NetSpend regrets the inconvenience that Mrs [redacted] experienced while attempting to activate her card 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

Thursday, October 5, 2017 To Whom It May Concern: Thank you for forwarding Ms. [redacted] ’s complaint [redacted] to us. As you requested, we addressed this matter directly with Ms. [redacted] on October 3, 2017 by way of telephone. We informed Ms. [redacted] by email on October 5, of 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] concerning the inconvenience she experienced with activating her NetSpend Prepaid Debit CardTo 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 or add a secondary cardholder, 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 along with the associated fees On March 7, 2016, Ms [redacted] attempted to activate her NetSpend cardAdditional information was required to fully activate her account, and our Customer Service Department requested for her to send in identity documents Instead of sending the required documents, Ms [redacted] requested to close her account After the $processing fee deduction, a check for the remaining balance was mailed to her address on March 10th We reached out to Ms [redacted] on March 17th by telephone and email, but unfortunately, we have not spoken with her As a courtesy, we credited the check processing fee and the card purchase price to the closed account A new check was processed without a fee to be mailed to Ms [redacted] ’s address She will receive the second check in ten business days from the date March 21st NetSpend regrets the inconvenience that Ms [redacted] experienced while attempting to activate her card 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 accounts opened in her name without her knowledge On May 11, 2016, Ms [redacted] attempted to activate a card in order to receive her tax refund deposit Our system recognized her information being associated with previous accounts that had a previous negative balance and automatically blocked the account until the balance could be recovered We spoke with Ms [redacted] on July and explained the previous accounts were closed in due to having negative balances Our Risk Management Team restricted her information in order to prevent the activation of any additional accounts in her name All associated accounts have been closed and Ms [redacted] is no longer eligible for products managed by NetSpend We confirmed with Ms [redacted] that none of her funds were deposited to the previous accounts Because Ms [redacted] was unaware of the previous accounts and someone other than her was able to provide her information, we recommended she contact the Federal Trade Commission (FTC) to report identity theft She can contact the FTC at [redacted] or by calling [redacted] The FTC will provide a walk-through on how to report ID theft to credit bureaus, police, and any other affected financial institutions 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

Wednesday, February 08, 2017To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a block on his Card AccountOn February 4, 2017, Mr [redacted] received a merchant refund from Johnston & Murphy A systemic block was placed on the Card Account because the refund did not correspond with any debits posted by the same merchantWhen a refund is received on a Card Account that does not correspond with a prior debit transaction, or a refund is received that exceeds the amount of the original purchase transaction, it is our policy to request the original purchase receipt to authenticate the refund in accordance with our responsibilities under the MasterCard Processing RulesOn February 5, we received documentation from Mr [redacted] that validated the refund he received from Johnston & Murphy On February 7, Mr [redacted] received a second merchant refund from Johnston & Murphy and additional documentation was requested A member of our Corporate Office attempted to speak with Mr [redacted] on February 8, 2017, to explain why the documentation was insufficient and to assist with the block removal Our Risk Management Team reviewed his Card Account and the block was removed later that same day Mr [redacted] was able to access his available balanceWe apologize for the service that Mr [redacted] experienced with our Customer Service Department We have reported this incident to the management staff of the customer service agents he spoke with.We have provided Mr [redacted] with our contact information should he have any additional questions or concernsThank you, [redacted] Corporate Customer Response TeamNetspend, a TSYS Company

Trying to contact you back and have had no luck, however left messages I need to know a few things about the rules as to when you discover that some one has caused identity theftMany questions concerning her account and hoe these others got started and can she be told about them She has had no way to call as does the surrounding area got rid of all pay phones and depending on a person coming or going was not an option With out electric off and on and morning over her marriage of 22yesrs Emotionally drained from that and going home to find there was nothing in bank water bill at 400.00got in touch with the bank and no way to contact me back or visa versa, no ride to get anywhere and so much missing I came home to find my house also about empty of my belongings as wellWhere to start and how many people had come and went in my house since my husband died and they would not let me contact a family member or notify them of what was going on My daughter did not even know he died until I got out! It is hard for me to write this it has took me about hours I need help making sure someone follows through and put my notes in properly That is why I am living with my daughter and she has helped me to confront this and no one should be treated as if they deserve to be put out when they are victims of crime that was beyond their control I am having problems with this and can use all the helpful information I can get and how to fix it THANKS HAVE A BLESSED DAY>>>>

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning the inconvenience he experienced with activating his NetSpend card. He’s requesting a full refund for the purchase of the card. 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 or add a secondary cardholder, we will ask for their name, physical street address, date of birth, and other information that will allow us to reasonably identify them. This information can be found on the outside of our card packaging. We reached out to Mr. [redacted] on February 18th and 25th, but unfortunately, we have not had the opportunity to speak with him about the options for his card refund. We will assist him when he returns our call. NetSpend regrets the inconvenience that Mr. [redacted] experienced with activating his card. We have provided him 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 didnt receieve a card on the 3rd I didnt recieve a card untill the or the 11th but in the 7th I was suppose to recieve my card I didnt so I called to ask about it I was told that it was a mistake on there end where they didnt put in a request for my card so they would fast track me one in business days I recieved it on the or the but while on the phone I asked the peraon to tell me my balance on the card and it was so im assuming maybe ssi didnt send the money but they did I found out my card was used at a atm 3-time without my consent my pin and everything was changed because when I called on the 7th to tell them I havent recieved my card it didnt let me get through useing the pin that I set up so netspend let who ever it was that stole my money use a cancled card to take my money there was jo card that was mailed to my home on the 3rd and if there was I didnt recieve it I didnt recieve one till the or the 11th Regards, Equilla Lewis-cooper

Monday, February 13, 2017To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning her refund checkMs [redacted] attempted to activate her new Card Account on January 5, Our system recognized that she had a previous Card Account that was closed due to high risk factors We are no longer able to offer Ms [redacted] products managed by NetspendWe closed Ms [redacted] Card Account on January 9, and issued a refund check to her address on fileOn January 31, Ms [redacted] refund check was returned back to us as undeliverable and the funds were added back to her Card Account balance A member from our Corporate Office attempted to contact Ms [redacted] on February 13, to assist with her refund check We communicated via email and informed her that a new check will be issued to her updated address on file As a courtesy, we have issued a credit to Ms [redacted] Card Account due to the inconvenience she encountered with her refund check Ms [redacted] will receive her new check within business daysWe 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] Customer Experience Specialist Netspend, a TSYS Company

Complaint: [redacted] I am rejecting this response because: I [redacted] call the Veterans Deptat [redacted] and they told me they had nothing to do with that and that's not how they get money that's owed to them, I gave them the check number that NetSpend gave me they said they never heard of anything like thatI explain to them that I loaded the card at CVS store May 18-and NetSpend do not want to give me my money backThis is another run around they are doing not to pay my money backThey first told me Social Security took my money, so I went to the Social Security they told me that's not how they work and I should ask to speak to a manger, I did then they gave me the number to Social Security to call I was told the same thingThen theyNetSpend told me a check was going to be mail out that never happen! I just want my money back it's not Fair please help me get my money back Regards, [redacted]

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 long as the refund check is receivedOne thing that is not described correctly in the business' response is that at no time did I or my relative decline to offer personal information as we provided name, address, and other contact informationThe card does state personal information is requiredWhat the card does not state is that they require your Social Security number to activate the cardThis is the data that we refused to provide and, as a result, the company declined to activate the card without a Social Security numberWith identity fraud prevalent, we do not provide this vital piece of information freely Regards, [redacted]

Monday, July 3, 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 inside flap of the Card Account package and is visible to consumers prior to purchase Our packaging also informs that the person activating the card must be at least years of age and that it is not a gift card We attempted to reach Mr [redacted] by phone on June 29, 30, and July 3, 2017, but unfortunately, we were unable to speak with himWe emailed Mr [redacted] details outlining the actions we took to resolve his complaint on June 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

Friday, May 26, 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 May 22, by way of telephoneLater that day the block was removed from her Card AccountWe emailed her the details of the actions taken on her account on May 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 missing Western Union transfer On October 20, Ms [redacted] contacted our Customer Service Department regarding a transfer she made from her Western Union NetSpend Prepaid MasterCard She requested a money transfer control number so she could locate the missing funds We informed Ms [redacted] that this information can only be obtained from Western Union In response to her communication, a member of our Corporate Response Team attempted to contact Ms***, unfortunately, we were unable to speak with her We recommend Ms [redacted] continue to work with Western Union to research her missing transfer We apologize for any inconvenience this issue has caused Ms***, and we will continue to assist her until the missing funds transferred is located 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