Realcor Developments Ltd.

To Whom It May Concern:We received complaint # 1 [redacted] filed with your office by [redacted] concerning a card replacement that was blocked due to a security breech from a merchant. He’s requesting a to receive his replacement card to access the funds on his account. On September... 16, 2014, Our Risk Management Team ordered a replacement card for Mr. [redacted] since one of his cards was used at [redacted] during a time period that their company experienced a possible security breech. The account was notated that once the new card was activated; the effected card will be blocked. A follow up letter was sent to notify Mr. [redacted] of the [redacted] breech, and request to block his card. Mr. [redacted] contacted our customer service on October27, 2015 and we expedited another replacement card since he confirmed that the initial card wasn’t received. The new card was received and activated on October 29th. NetSpend regrets the inconvenience that Mr. [redacted] experienced with his card replacement. We hope that he appreciates the efforts to protect his funds from possible fraudulent attacks. 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] Ms [redacted] mentions that NetSpend would not activate her new card because of a past due balance on her other NetSpend accountShe’s requesting a full refund to the store where she purchased the card at, so that she can obtain the fundsOn September 11, 2015, Ms [redacted] purchased a new NetSpend card at the ACE distributorOn September 15th, when she provided her information to activate the card, the NetSpend system blocked the account due to a past account that was left with a negative balance, and recovered $from her new account balance The updated information provided by Ms [redacted] could not be validated automatically by our system, which required her to send identity documentationShe declined to send documents and picked up her remaining balance of $947.36, from the ACE store on September 23rdMs [redacted] ’s funds in the amount of $were collected in accordance with the card terms and conditions"If any transaction(s) exceeds the balance of the funds available in your Card Account, you shall remain fully liable to us for the amount of the transaction(s) and any applicable transaction fee(s)You agree to pay us promptly for the negative balanceIf you have not added sufficient funds to your Card Account to cover the negative balance within sixty (60) days of its creation, we will have the right to cancel your Card Account and pursue collection, including the right to collect funds, equal to or less than the negative balance, from any other Card Account(s) you may have with us." NetSpend regrets any inconvenience that Ms [redacted] experiencedWe have reached out to her by telephone and email on September 29thWe have yet to speak with Ms [redacted] , but we will be glad to assist her when she callsWe have provided her with 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:Each time that I have called into Netspend, they have told me that I would be receiving a check in the mail for my balanceI still have not received anythingI am not understanding how funds can be held on a prepaid cardThe Netspend customer service is horribleEach time I call I'm told that my money will come within days! Where is it?? Regards, [redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning difficulties reaching our Customer Service using his expired card informationHe’s also requesting to be reimbursed for account maintenance fees Per the terms and conditions of Mr [redacted] account; upon card activation, a $account maintenance fee is applied each month after days of account inactivityOn March 1st, I spoke with Mr [redacted] to address his concernsWe addressed the account maintenance fees with him, as well as ordered a replacement card to be expedited to his address at no cost.NetSpend regrets the inconvenience that Mr [redacted] experienced with our product 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

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 and patienceMs [redacted] ’s current claim is not eligible for a provisional credit, but we are continuing our efforts to investigate the claimThe claim is scheduled to be finalized by July The results of the investigation will be sent to Ms [redacted] in writing within business days of completing our investigation We provided Ms [redacted] with our contact information should they have any additional questions or concerns Thank you, [redacted] ***Corporate Customer Response TeamNetSpend A TSYS Company

Tuesday, November 28, To Whom It May Concern: Thank you for forwarding Mr [redacted] ***’s complaint [redacted] to usAs you requested, we addressed this matter directly with Mr [redacted] on November 27, by way of telephoneWe informed Mr [redacted] by email of our actions to resolve his complaint on the same dayThank 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

Wednesday, January 25, To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a pending transaction on her Card AccountOn January 18, 2017, we received an authorization request from a merchant, MetroPCS, in the amount of $on Ms [redacted] Card AccountShe contacted us on that same day, and reported the transaction was declined by the merchantWe requested Ms [redacted] to provide us with documentation from the merchant that would confirm they would not be collecting on the transaction in order to release the funds back into her available balance If a cardholder requests a release of a pending transaction before we receive the merchant’s settlement request, we request written confirmation from the merchant advising that the transaction will not be collectedWe 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.In response to her communication, a member of our Corporate Response Team reached out to Ms [redacted] on January We were able to release the pending authorization back into Ms [redacted] available balance She was completed another transaction with MetroPCS on January We have provided Ms [redacted] with our contact information should she have any further questions or concerns Thank you, [redacted] Corporate Customer Response TeamNetSpend, a TSYS Company

Complaint: [redacted] I am rejecting this response because:Nothing was resolved when speaking with a the Netspend rep on the phone I received no new information and the issue was not resolved Regards, [redacted] ***

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning the fees associated with his NetSpend cardOn April 11, 2016, we spoke with Mr [redacted] concerning the account maintenance fees assessed on his account The maintenance fee is charged after days of inactivity on an account This fee is described in the card packaging prior to activationWe also provide this information on our website and terms and conditionsAs a courtesy, we refunded the maintenance fees to the card balance Mr [redacted] has been provided with our contact information should he have any additional questions or concerns Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

Tuesday, January 17, 2017To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning her dispute claim and pending gas transaction On January 2, 2017, Ms [redacted] contacted us to open a dispute claim against a transaction charged on her Card Account ending in *** We promptly opened a dispute claim and began our investigation We also informed Ms [redacted] of the investigation timeframe afforded under Regulation E On January 4, we determined that Ms [redacted] was not eligible for provisional credit for her claim, but we are continuing our efforts to investigate the claimThe claim is scheduled to be finalized by February 21, The results of the investigation will be sent to Ms [redacted] in writing within business days of completing our investigation.On January 11, Ms [redacted] Card Account ending in [redacted] was used at a gas pump and two pending transactions of $were preauthorized Since the gas pump is unaware of how much gas will be purchased, the preauthorized amount allows it to activate After she completed her gas pump purchase, the merchant collected $ The pending transactions were released back into Ms [redacted] Card Account on January A member of our Corporate Customer Response Team spoke with Ms [redacted] on January 16, to discuss her claim and the pending transactions We informed Ms [redacted] of the dispute process and the actions taken on her Card Account ending in *** We 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 Michael [redacted] concerning his dispute claim. On May 21, 2016, someone claiming to be Mr. [redacted] contacted us to transfer funds to another NetSpend account. The person claiming to be Mr. [redacted] verified all... of the security information associated with the account and our Customer Service Department completed the transfer. On May 23, Mr. [redacted] contacted us to report that the transfer of funds was not authorized by him. We immediately opened a dispute claim and began our investigation. Upon receipt of his complaint, we contacted Mr. [redacted] on June 13 to discuss his disputes claim. We advised that full reimbursment for his disputed transaction was issued back to his account on June 10. We apologize that Mr. [redacted] did not receive his first card in a timely manner and we appreciate his patience while we investigated his dispute claim.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

Wednesday, June 22, To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning her PayPal instant transfer On June 17, 2016, Ms [redacted] attempted to transfer funds from her PayPal account to her PayPal Prepaid MasterCard The transfer was not completed due to technical difficulties we were experiencing on that day Upon receiving her complaint, we reached out to Ms [redacted] on June 20, but unfortunately, we have not had the opportunity to speak with her We apologize for any inconvenience she experienced with not being able to complete her transfer As a courtesy, we refunded her monthly fee 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

Complaint: [redacted] I am rejecting this response because: Netspend did not conduct a fair investigationNetspend went by one letter from engine Rebuilders when I submitted several documents and have recorded conversation with Engine RebuildersNetspend could have denied this immediately instead made me cancel my cardNetspend did not protect me as my financial institutionI paid for a service not partsContacted immediately and was pushed out to wait days, then days and then through December 27thTold me to go to courtFurthermore I did not authorized this paymentI have more to write about and documentsPlease send another link Regards, [redacted] ***

To whom it may concern: Thank you for forwarding Ms [redacted] complaint to usAs you requested, we addressed this matter directly with Ms [redacted] on June 13, by way of telephoneIf 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 Analyst Netspend, a TSYS company

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning her account accessOn May 28, 2016, Ms [redacted] contacted us to dispute three unauthorized transactions that occurred on her accountWe blocked the compromised card, but could not order her a replacement card because the type of account has been discontinuedWe immediately opened her dispute claim and began our investigationOur investigation concluded on June and full reimbursement for the disputed transactions was issued to Ms [redacted] accountOn June 27, we spoke with Ms [redacted] and attempted to transfer her to our Fraud DepartmentLater that day, our Fraud Department assisted Ms [redacted] in accessing her funds through an over-the-counter withdraw at a local bankWe have closed Ms [redacted] account per her requestWe apologize for the service that Ms [redacted] experienced with our Customer Service DepartmentWe have reported this incident to the management staff of the customer service agent she spoke withWe 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

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. I would like to know when they will release the soical security check and I want proof why cant I be a net spend customer anymore I've been with them since 2008 I paid a lot of overdraft fees and service fees I was a good customer Regards, [redacted] ***

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning the inconvenience she experienced with activating a NetSpend card given to her son as a gift 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 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 statement that this is not a gift card On March 29, 2016, we spoke with Ms [redacted] and addressed her concerns about the card she intended to give as a gift to her son The information she provided under her son’s name did not automatically approve in our system because he is a minor, so we offered her the option to convert her card to limited use and she accepted The Limited Use option is a method to obtain the funds on her accountLimited Use allows funds to be dispensed from the NetSpend card at the point of sale using PIN and Signature transactionsOnce the funds are dispensed, the account will close and the card can be discardedWhen the card is converted to Limited Use, it cannot be reversed NetSpend regrets the inconvenience that Ms [redacted] experienced while attempting to activate card in her son’s name 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 card he did not receive and the fee for an expedited replacement card He’s requesting the fee to be credited back to his account On January 26, 2016, Mr [redacted] ordered a new NetSpend card while processing his tax refund through Turbo Tax He contacted us on February 10th, after his income tax refund posted to his account, to inform us that he did not receive his card Customer Service requested a card to be expedited to him for a fee of $ On February 17th, we spoke with Mr [redacted] to address his full concerns including the reimbursement of the expedited card feeNetSpend regrets any inconvenience that Ms [redacted] experienced with receiving the card to her addressShe has been given our contact information should she have any additional questions or concerns Thank you, [redacted] ***Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: [redacted] I am rejecting this response because this company is complete liarsThey did nothing to resolve my issue and only made matters worseI will be closing my card ASAP and bank with a company who doesn't like to get you off the phone Regards, [redacted]

Thursday, February 22, 2018To 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 activated.We attempted to reach Ms [redacted] on February 20, and 22, by telephone, but were unable to speak with herWe 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