Realcor Developments Ltd.

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] Ms [redacted] mentions that her card was being declined although she had sufficient funds on her accountShe’s requesting for someone to contact her to address her concernsOn September 30, 2015, we spoke with Ms [redacted] and she informed us that the card is working nowWe apologized for the declines that she received from the merchants when the funds were available on her accountOur system did not show any attempts to use the card during the period that she mentioned, and there were no reported outages from NetSpend regarding card transactionsWe have contacted VISA to further research the declined transactions in efforts to prevent this from happening in the futureWe’ll be sure to keep Ms [redacted] posted if we receive an updateWe’ve also provided Ms [redacted] with some alternative options if this should occur in the futureNetSpend regrets the inconvenience that Ms [redacted] experienced with the declined card transactionsWe have provided her 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] ***Ms [redacted] mentions that unauthorized transactions occurred on her card while she was in the hospitalShe requests that the funds be returned to her and for her account to be reopenedOn August 11, 2015, Mr [redacted] reported her card as stolen and she opened a dispute on five unauthorized transactionsWe informed her that an update would be provided within ten business days from the claim initiation date, August 25thOn the tenth business day, our Disputes Department closed the claim with no error foundNo credit was issued for the disputed items and the account was closed due to risk factorsThe reasons for the closed claim include the following:? The PIN (Personal Identification Number) was known by the person using the cardThe PIN had not been changed recently? The balance was checked during the disputed transactions in the automated phone system and by text demand message with the telephone number registered to Ms***’ accountMs [redacted] is no longer eligible for NetSpend servicesWe recommended that she report the incident to the police when we spoke with her on September 2ndNetSpend regrets any inconvenience that Ms [redacted] experienced as a result of the disputes claim decisionWe have provided her 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] ***- [redacted] concerning her dispute claim On January 27, 2017, an individual identifying themselves as Ms***- [redacted] initiated an account-to-account transfer of her funds to another Netspend cardholder’s accountMs***- [redacted] contacted our Customer Service Department to report that her Card Account had been compromised and she did not authorize the transfer of funds We disabled the funds transfer feature on her Card Account to prevent further unauthorized transfers We promptly opened dispute claim number [redacted] and began our investigation We also informed Ms***- [redacted] of the timeframe afforded under Regulation E We completed our investigation of Ms***- [redacted] dispute claim on February 3, and provided full reimbursement for the disputed transfer The results of the investigation will be mailed to Ms***- [redacted] in writing within business days of completing our investigation A member from our Corporate Office reached out to Ms***- [redacted] on February 3, but we have not had the opportunity to speak with her We sent Ms***- [redacted] an email, informing her of the results of her dispute claim We also refunded the funds transfer fee to her card account We understand how frustrating it can be to experience unauthorized activity on your accountNetSpend is very committed to providing a safe and secure product We provided Ms***- [redacted] with our contact information should she have any additional questions or concerns Thank you, [redacted] Customer Experience Specialist Netspend, a TSYS Company

Wednesday, May 10, 2017To Whom It May Concern:Thank you for forwarding Ms [redacted] complaint to usOn April 13, 2017, Ms [redacted] requested her Card Account to be closed after identifying documentation was requested from her Refund checks with the remaining balance on both Card Accounts were mailed to her address on file on April 18, Ms [redacted] contacted us because she had not received her refund checks within business daysAs you requested, we addressed this matter directly with Ms [redacted] on May 3, and 5, by way of e-mailWe provided her with further insight on the refund check processWe expedited a new refund check through FedEx to her address on fileThank you for bringing this matter to our attention.Thank you, [redacted] Customer Experience Analyst Netspend A TSYS Company

Complaint: [redacted] Me and denver police are working together to find out who was involvedThe detectives just sent me footage of who did these transactions and I given them a name and I have followed up with denver police so I am patiently and I respectfully ask for my money backI DID NOT BENEFIT FROM THESE DEBIT TRANSACTIONS AND I WOULD LIKE MY MONEY BACK PLEASE I am rejecting this response because: Regards, [redacted]

Complaint: I am rejecting this response because: the company closed my account without warning, notification, or anythingNetspend is still holding my daughter's disability payment of $that was supposed to be deposited on the 26th of AugustWhat gives them the right to do any of this to customers? Regards, [redacted]

To Whom It May Concern: We received additional comments on complaint # [redacted] filed with your office by Darryl [redacted] concerning a cash load that did not post to his account. He’s requesting the negative balance to be corrected and his money to be returned to his account. On December 29, 2015, we spoke with Mr. [redacted] and addressed his concerns with the negative balance on his account. The original load amount has been applied to his card balance and he can now complete his transaction. We regret the length of time it took to research the issue that occurred with his load attempts and the reversals made in error. NetSpend apologizes for the inconvenience Mr. [redacted] experienced as a result of the reversal of funds. 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

Wednesday, August 2, To Whom It May Concern: Thank you for forwarding Mr [redacted] complaint # [redacted] to usWe are sorry to hear that Mr [redacted] had his deposit go to a wrong accountWe validated that the direct deposit information given to Mr [redacted] on July 11, 2017, was correctAs you requested, we addressed this matter directly with Mr [redacted] on August 2, by way of telephoneWe sent Mr [redacted] an email detailing the actions taken on his account to resolve his concerns on August 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

Monday, October 2, To whom it may concern: Thank you for forwarding Ms [redacted] ***’s complaint [redacted] to usAs you requested, we addressed this matter directly with Mr [redacted] on September 30, by way of telephoneWe informed Ms [redacted] by email on October 2, 2017, 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] Customer Experience Specialist Netspend, a TSYS Company

To Whom It Concerns: We received complaint # [redacted] filed with your office by [redacted] concerning her dispute claim On March 10, Ms [redacted] contacted us to report an unauthorized transaction that posted on her Card Account We immediately blocked the card to prevent any further unauthorized use and we ordered her a replacement card We promptly opened a dispute claim and began our investigation We also informed Ms [redacted] of the investigation timeframe afforded under Regulation E A member of our Corporate Office spoke with Ms [redacted] on March and discussed her dispute claim We completed our investigation the same day and issued full reimbursement for the disputed transactionThe results of the claim resolution will be mailed to Ms [redacted] 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 Analyst Netspend, a TSYS Company

Wednesday, May 24, 2017To Whom It May Concern:Thank you for forwarding Ms [redacted] additional comments to usWe attempted to contact Ms [redacted] on May 24, by way of telephone Unfortunately, we were unable to speak with her concerning the activation and verification process We provided information about Ms [redacted] refund check through emailThank 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 her inconvenience with accessing her funds on the NetSpend card that she purchased 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 Ms [redacted] purchased her NetSpend card on January 15, Additional information was needed to activate her account, and our customer service requested for her to send in identity documents Since Ms [redacted] was unable to send us all of her identity documents, she was provided an option to convert her NetSpend account to Limited Use statusLimited 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 discardedMs [redacted] agreed to have her card converted to Limited Use; however her card had been blocked for the protection of her funds while she was incarceratedOn March 23rd, I spoke with Ms [redacted] to address her concernsI provided Ms [redacted] with my email address and once she is able to send me her incarceration release papers, I will set her card to be activated for Limited UseNetSpend 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 TeamNetSpend A TSYS Company

Friday, November 6, 2015To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning funds that were reversed from her account for a previous dispute. She requests her money to be returned immediately. On September 27th, 2015, Ms. [redacted] ... disputed two ATM transactions totaling $405.00. We informed her that we would give an update on her claim within ten business days, October 12th. On October 9th, we issued a provisional credit of $405.00 while her claim was investigated. We sent her a secure message through the website advising that if we determine no error occurred on the claim, the credit will be reversed. The disputes claim was closed with no error found on October 27th. On that day, we reversed the provisional credit and a disputes closure letter was mailed to Ms. [redacted] . NetSpend regrets the disputes claim resolution was not in Ms. [redacted] ’s favor. She has been given my contact information should she have any further 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 request for account historyOur records do not indicate that MsHa or the cardholder have contacted us to request the cardholder’s account statementWe spoke with MsHa on April 14, 2016, and requested to speak with the cardholder listed on the accountFor security reasons our policy is to only share account information with a cardholder listed on the accountThe cardholder contacted us and we provided him with his account statements that he requestedOur customer has been provided my contact information should he have any additional questions or concernsThank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] . Ms. [redacted] states that her direct deposit was two days late, she was charged $10 in fees, and she was charged $90 in overdraft fees. She would like her deposit to post. On June 5, 2015, we... spoke with Ms. [redacted] concerning her direct deposit. When NetSpend receives the Automated Clearing House (ACH) deposits from the senders, we post them to the accounts within the hour. We explained that the Overdraft Protection Program (ODP) is an optional choice of our cardholders. There is a $15 fee charged each time our cardholder draws the card balance negative greater than the $10 cushion. The maximum ODP fees we will collect in a month, is three, $45.00. These ODP terms are agreed upon by each cardholder online before the program is made active. The other fees that Ms. [redacted] has are listed on her transaction history at www.netspend.com. NetSpend regrets the inconvenience that Ms. [redacted] experienced with her card usage. She has been given my contact information should she have any further 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 and her grandson experienced with activating a NetSpend card because he is a minor. 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 along with the statement that this is not a gift card. On March 28, 2016, we reached out to Ms. [redacted] by telephone and email, but unfortunately, we have not had the opportunity to speak with her. We will assist with her concerns when she returns our call. The card that was purchased on February 21st could not be activated with the cardholder information provided. The account was closed and the remaining funds were mailed to Ms. [redacted] on February 24th, minus the $5.95 check processing fee as described in the card terms. As a courtesy, we refunded the check processing fee and the card purchase fee. A second check will be mailed to Ms. [redacted] and she will receive it within ten business days from the date March 29th. NetSpend regrets the inconvenience that Ms. [redacted] experienced while attempting to activate the card purchased by her grandson. 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

Complaint: [redacted] I am rejecting this response because: Regards, [redacted] , well I needs help getting my money back from the U.STreasury, and that seems not to be so easy, can you all help me? Thanks

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] Ms [redacted] states that her NetSpend card could not be activated because of a previous account with a negative balance She wants a refund check sent to her sooner than business daysOn October 8, 2015, Ms [redacted] attempted to activate her prepaid debit card, but our system recognized that her information was associated with a previous account that had a negative balance Our system automatically blocked her new account as a result We spoke with Ms [redacted] on October 19th to resolve her concerns She was able to access her funds on her new account that same dayNetSpend regrets the inconvenience that Ms [redacted] experienced while activating 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 TeamNetSpend A TSYS Company

To Whom It May Concern: Thank you for forwarding Ms [redacted] complaint to usAs you requested, we addressed this matter directly with MsLockhart on February 14, 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 concernThank you, [redacted] Customer Experience Analyst Netspend, a TSYS Company

RevDex.com:Thanks for the effective help. Netspend Correspondence team has emailed me to sent the check to my current address [redacted] .Within 10 business days, I'll give updated feedback to BBB. Thanks again. 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] **