Realcor Developments Ltd.

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning his dispute claim On October 24, 2016, Mr [redacted] contacted us to dispute transactions from SITEBILLER.COM that posted to his accountWe opened a dispute claim and promptly began our investigation We also informed Mr [redacted] of the investigation timeframe afforded under Regulation E On October 26, we determined that Mr [redacted] dispute claim was not eligible for provisional credit, due to the nature of his dispute with the merchant, but we are continuing our efforts to investigate the claim A member of our Corporate Response Team spoke with Mr [redacted] on December 16, regarding his claimWe discussed the chargeback process with Mr [redacted] and he had no further questions or concernsWe advised Mr [redacted] that his claim is scheduled to be finalized by January 25, The results of the investigation will be mailed to Mr [redacted] in writing within business days of completing our investigation We apologize for the service that Mr [redacted] received regarding his card account being blockedWe have unblocked the card since it was not blocked for unauthorized activityWe 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 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 transaction fees that are associated with her ACE Elite Prepaid Debit cardShe’s requesting to be reimbursed for fees, and to have employees at the retail locations have adequate knowledge of the productOn December 21, 2015, we spoke with Ms [redacted] explaining the fees that are associated with her card as well as our monthly Fee Advantage Plan (FAP)Ms [redacted] qualified for the ACE Elite upgrade on her NetSpend card when the direct deposit over $posted to her account on December 10thThe ACE Elite upgrade allows our customers to opt into our Fee Advantage Plan (FAP) for $per month versus the standard monthly fee of $This plan allows unlimited signature and PIN card transactionsMs [redacted] opted into the Elite FAP on December 12thNetSpend regrets the inconvenience that Ms [redacted] experienced with our ACE Elite card productWe’ve had the opportunity to speak with her to address her concerns about our productShe has our contact information should she have any additional questions or concernsThank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

Thursday, April 06, 2017To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a Netspend Prepaid MasterCard Account he received in the mailNetspend relies on affiliate marketing services as a source for reaching potential new customers and Card Account 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 informationBecause Netspend feels strongly about customer privacy, we only contract with marketing affiliates that have collected the information from willing consumers years of age and older and have received permission to share it with us.The 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 Account can only be used by the intended recipient If the recipient cannot be verified, then the offer cannot be activated.On April 5, 2017, we permanently blocked the Card Account offer and have also removed Mr [redacted] name and address from our mailing list Mr [redacted] should not receive any future offers from any Netspend managed programs.We have provided Mr [redacted] with our contact information should he have any additional questions or concerns Thank you, [redacted] Senior Customer Experience Specialist Netspend, a TSYS Company

Complaint: [redacted] I am rejecting this response because: the fact that my card was authorized by the hotel for 145$ is a direct violation of the agreement between [redacted] I arrived at the hotel they could not find my reservation, I had to wait a half an hour then they told me they needed my card only for incidentals and then authorized my card for the full amount of a hotel room for one nightThe only reason why the authorization was released so soon was because I had to spend HOURS on the phone with the hotels corporate office and make then contact Netspend while on the phone with me to release the fundsI didn't pay for this hassle or to have my money with held from me while I'm travelingI needed that money for taxis and food I had to suffer for their mistakeNo I want my money back! Of course you do not see a pending dispute and that is because when I contacted netspend agents for almost two hours and spoke to three different managers they ALL refused to file the dispute or the dispute for $for the taxi I never took and that is the reason for the complaint!! I have been in contact with [redacted] his is very aware of what is going on and is allegedly filing the dispute for me Regards, [redacted] l [redacted]

Thursday, August 3, 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 August 3, by way of telephoneWe sent Ms [redacted] an email detailing the actions taken on her account to resolve her concerns on August 2, and 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

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 Just informing, that NetSpend responded and sent me my refund, thanks Regards, [redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a refund check for her remaining account balanceWe 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 within the United States, date of birth, and other information that will allow us to reasonably identify themThe requirement to obtain this information is displayed in the envelope that we send with the card offer Ms [redacted] attempted to activate her new account on November 22, 2015, but her identity information could not be automatically verified We requested her to provide copies of her identification documents to verify her identity The documents MsWohler provided could not be accepted to verify her identityOn February 27, 2016, Ms [redacted] contacted us to close her account and receive a refund check We closed the account and requested a refund check to the address on file A member of our Corporate Response Team reached out to Ms [redacted] on July regarding her refund checkMs [redacted] provided a Mexico based address to send her check to Ms [redacted] should receive this check within 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 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 April 26, 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 concern Thank you, [redacted] Customer Experience Analyst Netspend, a TSYS Company

Thursday, May 04, 2017To Whom It May Concern:Thank you for forwarding Mr [redacted] complaint to usAs you requested, we addressed this matter directly with Mr [redacted] on May 4, 2017, by way of telephone, e-mail, or letter If 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 AnalystNetspend, a TSYS Company

Monday, August 29, 2016 To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning her dispute claim. On August 1, 2016, Ms. [redacted] contacted us to dispute a merchant transaction that posted to her account. We... promptly opened a dispute claim and began our investigation. We also informed Ms. [redacted] of the investigation timeframes afforded under Regulation E. We completed our initial investigation on August 15 and determined the dispute claim was not eligible for a provisional credit, but we are continuing our efforts to investigate the claim. The claim is scheduled to be finalized by September 30. The results of the investigation will be sent to Ms. [redacted] in writing within 3 business days of completing our investigation. In response to her communication, a member of our Corporate Response Team spoke with Ms. [redacted] on August 29, and explained the dispute process. We requested additional documentation such as a cancel or void receipt from the merchant. She informed us that the merchant has a no return policy for the ITunes card she purchased. Ms. [redacted] also stated that the ITunes card number was provided to a person claiming to be a representative from a government agency. We recommended that Ms. [redacted] file a police report, since the item she purchased was used by someone conducting a scam. We are continuing our investigation with the merchant through the chargeback process and the timeframes afforded by VISA. NetSpend understands that the disputes process can be time consuming, and we appreciate Ms. [redacted] patience as we attempt to retrieve her funds. 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 a block on his account. On July 22, 2016, Mr. [redacted] purchased and loaded funds on to his new NetSpend card. He contacted our Customer Service Department to complete the... activation process. Our system recognized that he had a previous negative balance and automatically blocked the account until the balance could be recovered. On July 25, a member of our Corporate Response Team spoke with Mr. [redacted] to address the block on his account. We confirmed with Mr. [redacted] that he had previous accounts with Netspend through different partner brand of ours. After further review, the block was removed from his account and Mr. [redacted] can now access the funds on his card. 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] concerning a NetSpend card he was unable to activate without providing identifying information He’s requesting a full refund 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 Mr [redacted] loaded $onto his NetSpend card that he purchased on February 10, 2015, and on February 19th, he contacted our customer service after his card was declined for online transactions Our customer service informed him that his card must be activated before use Mr [redacted] declined to provide the required information to complete the activation processInstead, he chose to have his card converted to Limited Use status This means that he can use the card for in store purchase only, and once the funds are depleted from the temporary card it can be discardedOur records show that Mr [redacted] attempted to use his card on October 17th By this time the temporary card was expired and could not be used to access his fundsMr [redacted] called customer service on October 30th to provide his name and address so that a check with his remaining funds could be sent to himPer the terms and conditions of Mr [redacted] ’ NetSpend account, an account maintenance fee of $is charged each month after days of inactivitySince there was no account activity since his cash load to his NetSpend account on February 10th, he was left with a remaining account balance of $ A check for that amount was mailed to Mr [redacted] ’ address on November 6th On November 9, 2015, we reached out to Mr [redacted] by telephone and email We have yet to speak with him but will assist him when he returns our call We have refunded the monthly $maintenance fees, and the cost of the card purchase $ A check for $will be mailed to him by November 13th 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

Friday, June 23, To 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 June 23, by way of telephoneWe emailed him the details of the 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] Customer Experience Specialist Netspend a TSYS Company

Complaint: [redacted] I am rejecting this response because:Attached you will find the "findings" from my claim. I have multiple problems with the attached findings. I have talked to 3 different customer service agents of NetSpend and every time I tried to access past account information (ie. Transactions) I was told that I can not access them because all 3 of my old accounts are now in dormant status and that their systems have no way of accessing any old account information. The past accounts are from Feb 2016(when I originally had a card sent for my tax refund), 2011, and 2009. This is concerning to me because in their findings they state that they found consistencies and that is part of the reason I would not receive a refund. I am confused as to how their could be any constancies since no one can access these dormant accounts. And the card I reported stolen was only used for 3 or 4 small purchases (<$15) and the rest where online purchases (ie amazon and airfair). Other then that the card was only used to pay for a few bills I had. So I am still not understanding where the "trend" is occurring. Because if you look at all of my current account transactions there would be no trend Their findings also state that a pin was used on all of my transactions. I was also told this when I called the company. But according to my account transactions (that are visible on my online account, I have attached a few pictures -but ran out of space to include all of them) a pin was only used on 3 out of the total 6 transactions I was disputing. So either someone is not telling the whole truth or someone made a mistake. Also the two out of the three pin transactions at the ATM where both done after I orgionally called NetSpend on Monday,March 7th at 9:20am to report my card as stolen. I talked to a [redacted] . She stated that I would need to call back after all of the transactions had cleared -in a few days-before they could open an investigation (someone should address this since this obviously is not your proppper procedure)time . I also feel like the obvious is contually being stated when it comes to my pin. I originally told everyone I talked to on the phone and emailed that my pin was attached to my card (with a sticky note) because it was a new card that I would not use very often so I could remember the number. The majority of the purchases that card was/would have been used for were online purchases, which do not require a pin. And on the of chance I decided to use it in an actual store I probably would not have remembered it, since my main bank card uses a different number. They stated in the BBB Correspondences that a Ms. [redacted] would have bennifited from these transactions. Yet no where in the letter, Emails, or Voicemails, and Phone Calls I received and placed to/from NetSpend was I told this information... I find that rather alarming and reaching since I provided NetSpend with the last name of “ [redacted] ” to a security question associated with my account. And I do not know of anyone that still has that as a last name or even goes by it. When I attempted to look into this even further and brought my questions to their Response Team I was told they would have to get back to me and had no comment at the time. I have also attempted to phone Mr. [redacted] and left him a voice mail on April 15th at 4:57pm as well as April 16th at 12:09am but have yet to receive a repsonse back.I do appreciate their efforts to address the rude behavior that I received from some of their customer service reps but I still do not feel like the root problems have been addressed and I am not sure if they ever will be at this point since I am still receiving the run around and I am out a significant amount of money, that my family was counting on I will not be giving this company any more of my business and will discourage anyone who asks me if I would recommend them, because of my encounters. I fell that somewhere their was an accident made on their investogation’s team part and that I (their old customer) suffered because of it. Hopefully this has not happened to any of their other customers . Regards, [redacted]

Wednesday, July 26, To 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 July 25, by way of telephoneWe emailed Mr [redacted] the details of the actions to resolve his complaint on July 24, 25, and 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 additional comments on complaint # [redacted] filed with your office by [redacted] regarding an email she received stating that she would be given a credit for her disputed transfers in two business days She’s requesting a refund for the transferred funds Our Disputes Department updated her claim on February 3rd with no error found The claim is closed and no credit issued They have reviewed the letter sent to Ms [redacted] and it did not guarantee the disputes claim would be decided in her favor NetSpend regrets the inconvenience that Ms [redacted] went through while waiting for her disputes claim to be resolved She has been given 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 her Card Account transaction On March 29, 2017, Ms [redacted] attempted to complete a transaction with merchant, Microsoft Billing Info Once the transaction was initiated, we sent the merchant a response code that alerts them to complete an address verification on their endAfter this process is completed the merchant will need to use the authorization code we sent to them, to approve or decline the transactionThis transaction was not declined on Netspend’s end A member from our Corporate Office spoke with Ms [redacted] on April 11, to provide further insight about her Card Account transaction Ms [redacted] informed us that she was not willing to provide Microsoft her address to complete the transaction because she didn’t feel comfortable providing this information Netspend is unable to change the automatic process that takes place between us and the merchant’s settlement process Ms [redacted] stated she was not willing to comply with the transaction process and requested to close her account Ms [redacted] will receive a check for her remaining account balance within ten business days, mailed to her address on file We have provided Ms [redacted] with our direct contact information should she have any additional questions concerning this matter 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] [redacted] states that he was not comfortable providing his Social Security Number so he is requesting a full refundTo 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, street address, date of birth, and other information that will allow us to reasonably identify themNetSpend is compliant with the laws concerning the prepaid debit cardThis information is displayed on the outside of our card packagingWe have complied with [redacted] ’s request and mailed him a check on June 5thNetSpend regrets the inconvenience that [redacted] experienced while trying to activate his cardHe has been given my contact information should he 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 the inconvenience he experienced with the closing of his account and the pending of his remaining fundsOur Risk Management Team regularly monitors account activity in order to provide a safe and secure product for all of our cardholdersOur Risk Management Team identified risk factors that led to the closing of Mr [redacted] account on March 10, He is no longer eligible for NetSpend services as a result and the factors that lead to the account closure are kept internal for security reasons The remaining funds from his IRS deposit have been pended by our Risk Management Team and they requested a review from the Internal Revenue Service The IRS will determine if the remaining funds are returned to them or released to Mr [redacted] We reached out to Mr [redacted] on March 17th by telephone and email, but unfortunately, we have been unable to speak with him We will address his concerns when he returns our call NetSpend regrets the inconvenience that Mr [redacted] experienced as a result of the closing of his accountWe have provided him 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 her open disputes claim for unauthorized transactions that were made on her NetSpend Prepaid card She’s requesting an escalated review of her claim On October 19, Ms [redacted] called our customer service to report unauthorized transactions that were initiated in a different state than where she resides Ms [redacted] disputed an ATM transaction for $and a Wal-Mart transaction for $ On October 28th, we escalated Ms***’s disputes claim for review, and she was reimbursed for the disputed transactionsWe understand how frustrating it can be to dispute unauthorized transactions We appreciate Ms***’s patience as we investigated her claim 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