Realcor Developments Ltd.

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning the inconvenience she has experienced with her dispute claim NetSpend’s disputes process is in accordance with Federal Reserve’s Regulation E guidelinesPer these guidelines, the disputes claim timeframe for an initial claim review on new accounts (and provisional credit eligibility), can take up to business daysAn account is considered new when a disputes claim is initiated within days from the first cash or deposit load occurs on an accountWe sincerely apologize if this information wasn’t provided to Ms [redacted] On February 14, 2016, Ms [redacted] ’s card was charged $by Rogers Acceptance CorporationShe called our Customer Service two days later to report that the transaction was not done by her We disputed the charge and because this is a new account, her update would be provided in business days, March 15th Our Disputes Department issued a temporary credit to her account for the disputed charge on the twentieth business day, while the investigation continues The claim will finalize on April 18th, and if it is successfully won, no further action will be required since Ms [redacted] has received the fundsWe spoke with Ms [redacted] on March 16th and addressed her concerns We apologize for any inconvenience that she experienced while disputing the merchant chargeMs [redacted] has 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:I disagree with this person's correspondence as they have lied many times to this pointThey now say that Visa is involved in dispute process and that Visa basically holds court between apparently NetSpend (claiming to represent the cardholder's interests) and the merchant who accepted the card with the winner receiving the spoilsWell this is ridiculousNowhere within the terms and conditions does NetSpend describe this as being the process and nowhere within terms and conditions or federal statute does it allow for 3rd party to play role as judge and jury upon disputes submitted by customers with NetSpend ever suggesting that they will attempt to WIN our disputes for usIt is very simple, customer submits disputes and the parameters allows for various resultsThe most I could be liable for would be $total of claim not the entire amountAdditionally, NetSpend never forwarded any documents used to make determination as he suggestAlso, the fact that they admit Visa makes decision, NetSpend cannot aver that they sent documents used by them to render decisionAgain more LIESAlso, I am tired of them stating that written claim was not submitted by me within daysThey are lying and incompetent as any person must only review the records to see this is a LIEI submitted formal written claims within business days of both claims being made and said written claim contained both claim numbers and every single transaction disputedIt is NetSpend that has made determination and they purposely (as obvious by results) denied the substantial 2nd claim quickly as a means of attempting to justify not issuing provisional credits as promised (I have recordings of all conversations and email confirming receipt of compliance claims I formally sent)Even if Visa was the party calling the shots that still fails to release NetSpend of liability as they are breaching agreement and laws in reaching the results they have and it will not just go away, nor will IThey will make a MOUNTAIN out of a molehill, but that will be upon themI have recording whereby representatives attempt to deny what this person just openly stated about Visa (3rd party) being involved and relied upon for an agreement NetSpend desires to make them a party toIf NetSpend wants to place other entities in harms' way meaning include them in litigation as defendants then by all means it will suit me just fine as I will have more to go afterEither way NetSpend is not thinking clearly and these little games they are playing and things they are planning will not work and I know exactly what they think they have but truly do notThey are culpable no matter how they paint this pictureThat is clear and not matter of interpretationTo gain employment at NetSpend does not require a high school diploma that is very clear Regards, [redacted]

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning the fees associated with her husband’s account. In response to her communication, a member of our Corporate Response Team spoke with Ms. [redacted] on November 14, 2016. Ms. ***... explained that she was power of attorney on her husband, [redacted] account. We explained that unfortunately, since she was not listed an authorized cardholder on the account, she would need to provide proof of Power of Attorney to our Legal Department. We provided Ms. [redacted] with our Legal Department’s mailing address. The transaction fee for $2.00, was refunded to the account on November 14. 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 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 the fees associated with her cardWe are required by the USA PATRIOT Act to obtain, verify, and record information that identifies each person who opens a card account with usWhen 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 package and is visible to consumers prior to purchaseThe card package also states that the temporary card expires in days and the fees are listed on the outside cover for viewing before purchasingOn June 14, 2016, Ms [redacted] attempted to activate her card that was originally purchased October 9, Since the temporary card was expired, we ordered a personalized card for her after her identity information was verifiedWhen she activated the new card on June 25, she was informed the account balance had been reduced by the $monthly account maintenance feeThe account maintenance fee is charged each month after days of inactivityUpon receiving her complaint, we reached out to Ms [redacted] , but unfortunately, we have not had the opportunity to speak with herWe issued her a courtesy credit for the account maintenance fees charged to her accountWe 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

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning a block that took place on her new card that was caused by a previous account with a negative balance She’s requesting the block to be removed so her direct deposit can post to the account On January 20, 2016, there was an attempt to activate a new prepaid debit card in Ms***’s nameOur system recognized that her information was associated with a previous account that had a negative balance, and automatically blocked the new accountMs [redacted] was advised to load funds to the account with the outstanding balance When her direct deposit arrived, it could not be posted to the blocked account and was returned back to the sender on January 28th We reached out to Ms [redacted] by telephone and email on January 29th She replied to our email and advised that she got her funds from her employer NetSpend regrets the inconvenience that Ms [redacted] experienced while attempting to activate her new 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 a refund of her account fundsMs [redacted] contacted us on March 1, to report that her card had been compromised and that unauthorized transactions posted to her accountWe immediately blocked the card to prevent any further unauthorized use and ordered a replacementA dispute claim was opened and we began our investigation.Our investigation concluded on March 15, with no error found and no credit issuedMs***’ accounts were closed due to risk factors that were identifiedAs a result, Ms [redacted] is no longer eligible for products managed by NetSpendOn April 25, we spoke with Ms [redacted] regarding the closure of her accounts and the remaining funds she has not receivedWe confirmed her address and mailed a checkMs [redacted] will receive this within business daysWe 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, December 27, 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 22, and 27, 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

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning her Card Accounts that were blocked On January 19, 2017, Ms [redacted] contacted our Customer Service Department to report her Card Accounts ending in [redacted] and *** lost We promptly blocked the cards for the protection of Ms [redacted] funds and to prevent any unauthorized transactions A replacement card was ordered to Ms [redacted] address on file and should arrive within business days Later that same day, Ms [redacted] contacted us to report that her Card Account was found and requested for the block to be removed We informed Ms [redacted] that for security purposes, we were unable to remove the block A member of our Corporate Response Team attempted to contact Ms [redacted] on January 20, but she was not available at that time On January 25, we expedited a new card to Ms [redacted] and waived the expedited shipping cost Ms [redacted] will receive her card within 1-business days We apologize that Ms [redacted] was provided incorrect information while speaking with our Customer Service Department We have reported this incident to the management staff of the customer service agents she spoke with so that they receive appropriate coaching concerning the appropriate block procedures Ms [redacted] has been provided with our contact information should she have any additional questions or concerns Thank you, [redacted] Corporate Customer Response Team Netspend A TSYS Company

Complaint: 11951904 I am rejecting this response because: That was not my signature & explain this to them. I don't understand how they are going to clear a check without a photo ID Regards, Verna Hollingsworth

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 MADE THE CLAIM ON THE 23RD LATER THAT DAY, ON THE 23RD MY CARD WAS STILL ACTIVE BECAUSE I THOUGHT TO MYSELF, WANDER IF THEY CANCELED MY CARD I WAS CURIOUS BECAUSE THEY NEVER SENT NOTIFICATION OF DISABLING MY CARD I WENT TO ATM AND TRIED TO WITHDRAWAL MONEY AND LONE BEHOLD, MY CARD WAS STILL ACTIVE AND I WITHDREW MONEY THERE WAS SEVERAL TRANSACTIONS THAT ALSO WENT THROUGH I MADE AN ADDITIONAL CLAIM OF ANOTHER AUTHORIZED CHARGE BECAUSE SINCE MY CARD WAS NOT DISABLED, FOREIGN TRANSACTIONS WAS STILL GOING THROUGH JUST AS THE SAME AS THE PREVIOUS NETSPEND NEVER DISABLED MY CARD UNTIL I SPOKE WITH THEM ON THE PHONE AND I ASKED THEM TO PLEASE DISABLE THE CARD, SO THE REP/AGENT THEN ASKED ME IF I NEEDED A NEW CARD SENT TO ME THATS WHEN I INFORMED THEM IM SURE ILL NEED A NEW CARD TO HAVE MY FUNDS DEPOSITED BACK TO ME, OTHERWISE I COULD NOT ACCESS MY MONEY ITS NOW JUNE 6TH AND STILL HAVE NOT RECEIVED A NEW CARD WHICH I HAVE READ NUMEROUS OF COMPLAINTS, ABOUT HOW NETSPEND, REFUNDS THE MONEY FOR A FEW DAYS TO THE ACCOUNT OWNER BUT CONSEQUENTLY THE ACCOUNT OWNER CANNOT ACCESS THE MONEY BECAUSE THEY DO NOT SEND A NEW CARD, THEN FEW DAYS PASS AND THE FUNDS DISAPPEAR AGAIN BY THE WAY, ITS ALL PLAYED OUT SO FAR, SEEMS LIKE MY SITUATION IS NO DIFFERENT THEN THEIR USUAL PROCEDURE.NETSPEND DIDNT CONTACT ME UNTIL THE 26TH AND IT WAS FROM A MALE REP STATING THAT WE HAD PREVIOUSLY SPOKEN OVER THE PHONE IN WHICH WAS NOT THE CASE I HAD NEVER SPOKEN TO ANYONE OVER THE PHONE AND INFORMED HIM OF THAT NOBODY REACHED OUT TO ME I REACHED OUT TO THEM MANY TIMES ON THE PHONE AND BY SUBMITTING CLAIM STATUSES ETC NEVER DID ANYONE REACH OUT TO ME UNTIL I FILED WITH THE Revdex.com AND THEN I RECIEVED THE EMAIL STATING THAT WE HAD TALKED PREVIOUSLY ON THE PHONE **(I HAVE ATACHED THE CORRESPONDENCE BETWEEN NETSPEND AND MYSLEF, TO THIS RESPONSE)I DO NOT ACCEPT NETSPEND RESPONSE BECAUSE THEY HAVE YET TO DO ANYTHING AND UNTIL SOMETHING IS DONE REGARDING THE FUNDS I HAD STOLEN FROM MY CARD IN WHICH WAS NEARLY EVERY PENNY TO MY NAME, THE RESPONSE WILL BE REJECTED THIS IS OBSURD AND BY WHAT OTHER COMPLAINTS I HAVE READ FROM OTHER CONSUMERS, THIS IS THE WAY NETSPEND CONDUCTS THEIR BUSINESS AND TO ME I SEE EVERY CASE AS A THEFT CASE THE CRAZY FOREIGN CHARGES SHOULDVE BEEN REJECTED THE VERY FIRST TIME THEY TRIED STEALING MY MONEY WHAT IS THE USE OF A FRAUD DEPARTMENT IF THEY DO NOT CATCH RED FLAGS AS THESE FOREIGN CHARGES, ALL IN THE WEE HOURS OF THE MORNING, CHINESE JIBBERISH, ONE SAYS ELECTRONIC SALES, THE NEXT FEW MINUTES LATER SAYS , AUTO SERVICES AND THEN SOME THAT SAYS FINANCIAL INSTITUTIONS AND THEN THE PROCESS STARTS OVER WITH ELECTRONIC SALES, AUTO SERVICES, ETC ANY FRAUD DEPARTMENT SHOULD CATCH THIS ACTIVITY TO BE INSURED BY FDIC ETC, ONE WOULD THINK THE COMPANY WOULD CONDUCT THEIR BUSINESS BETTER Regards, [redacted] ***

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] Ms [redacted] mentions an $cent charge on her card that resulted in a $overdraft feeShe requests the fee to be credited back to the accountThe Overdraft Protection Program is an optional service made available to eligible ACE Elite cardholdersIf the available account balance is overdrawn beyond the $purchase cushion, we will charge a $fee for each transaction that draws the account further into the negativeMs [redacted] agreed to these terms when she enrolled in the program on September 1, On August 24, 2015, the balance on Ms [redacted] ’s account was negative $(82.56)When she used the card for a $transaction, a $overdraft fee was charged according to the terms of the programWe conveyed this information to Ms [redacted] on September 3rdNetSpend regrets the inconvenience that Ms [redacted] experienced with the overdraft feesWe 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: Because if netspend see that eBay is over charging there netspend customers they should let them know but I know they are not gonna do that cause all those extra fees are going to netspend eBay is not benefiting nothing for those extra charges Regards, [redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning her dispute claimOn April 13, 2016, Ms [redacted] contacted us to dispute an ATM transaction that did not dispense the funds she requestedWe immediately opened a dispute claim and began our investigation We also informed Ms [redacted] of the investigation timeframes afforded to financial institutions, under Regulation E Additionally, we requested Ms [redacted] to send us a letter of dispute explaining why she feels the transaction was an error to assist with her claim.On April 14, we received Ms [redacted] ’ dispute letter and we issued a provisional credit to the account on the following day.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 [redacted] concerning a pending transaction on his Card Account On February 15, 2017, we received an authorization request from the merchant, Depew One Stop, in the amount of $on Mr [redacted] ’s Card AccountHe contacted us on that same day, and reported the transaction was for the wrong amountWe requested Mr [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 his 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 A member of our Corporate Office reached out to Mr [redacted] on February We informed Mr [redacted] via email that the funds were released back into his available balance on February Our records show he was able to access his remaining balance We 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 further questions or concerns Thank you, [redacted] Senior Customer Experience Specialist Netspend, a TSYS Company

Wednesday, September 20, 2017To Whom It May Concern:Thank you for forwarding Ms [redacted] ’s additional comments regarding complaint [redacted] to usAfter receiving Ms [redacted] ’s initial complaint, we expedited two additional cards through UPS to the address she provided The tracking information for both cards indicate they were rejected at the address Both cards have been returned back to Netspend Ms [redacted] ’s account is now closed at her request A refund check for the Card Account balance will be sent by UPS We will send the tracking information to Ms [redacted] by email when it becomes available We attempted to reach Ms [redacted] on September 5, 9, 11, 12, 14, and 20, by telephone and by email, but unfortunately, we were unable to speak with her to confirm her address The email we sent outlined our actions to resolve her complaint Should Ms [redacted] contact our Customer Service Department, we have left notes on her account for her to be connected with [redacted] to further assist her with this matter 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

Complaint: [redacted] I am rejecting this response because: They are looking for way to keep my money and they have locked me out of my online accountAfter my conversation with them and I informed them that I was going to exercise my rights to make complaints about them, I was told that my account would be closed in retaliation, and that are the red flags they are speaking of because I will not just be quiet and go awayOriginally I was told that the pin was entered incorrectly twice, then I was told that whom ever used my card knew how much money was on my card, but I received non-sufficient funds fees on my account stemming from my card being stolen Regards, [redacted]

Wednesday, September 20, 2017To Whom It May Concern:Thank you for forwarding Ms [redacted] ***-***’s additional comments regarding her complaint [redacted] to usAs you requested, we addressed this matter directly with Ms***- [redacted] on September 20, by way of telephoneThe same day we emailed her the actions taken on her dispute claim to resolve her concernsThank 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

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning her dispute claim. On December 15, 2016, Ms. [redacted] contacted logged into her online account center to report unauthorized transactions that posted on her card... account. We immediately blocked the card to prevent any further unauthorized use. We promptly opened a dispute claim and began our investigation. We also informed Ms. [redacted] of the investigation timeframe afforded under Regulation E. We concluded our investigation of Ms. [redacted] dispute claim on December 30, and no credit was issued because we did not find that an error occurred. We had reason to believe that the transactions were authorized and that Ms. [redacted] benefited from the transactions. We re-reviewed the claim using the additional information Ms. [redacted] provided us, and based on our findings, we did find an error. A letter detailing the results of our investigation was mailed to her address on file. She should receive this letter within ten business days. A member of our Corporate Response Team attempted to contact Ms. [redacted] , to inform her of claim conclusion, but we were unable to speak with her. We issued full reimbursement to her account for disputed transactions. During the investigation of Ms. [redacted] claim we identified several risk factors associated with her account. Due to these concerns, we have closed her account and we are no longer able to offer her NetSpend services. Ms. [redacted] should receive two refund checks within 10 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

Tuesday, March 6, 2018To 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 card packaging prior to purchase We attempted to reach Mr [redacted] by telephone on February 28, March 2, 5, and 6, 2018, but unfortunately, we were unable to speak with him regarding the cards for his daughter, wife, and mother-in-law We emailed Mr [redacted] for more information so we can resolve his concerns Thank you for bringing this matter to our attention.Thank you, [redacted] Netspend, a TSYS Company