Realcor Developments Ltd.

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 April 09, 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

To Whom It May Concern: Thank you for forwarding Ms***’s complaint to usWe’ve reviewed Ms***’s dispute claim and complaint that her card account was closedOur records show that her account was closed after several high risk factors were identified while investigating her claimAs a result, we are no longer able to offer her services from any Netspend-managed programsWe attempted to reach Mr [redacted] by phone and email on October 16, but unfortunately, were unable to speak with Ms***We emailed her a letter on October outlining our actions to resolve her complaintIt 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 Analyst Netspend, a TSYS Company

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning a card given to her as a gift that she could not activateShe’s requesting a check for the amount loaded to 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 accountWhen our cardholders open a card account, 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 In addition, we inform the customer on the front of the package that this is not a Gift Card On February 5, 2016, we spoke with Ms [redacted] and we addressed her concerns We understand that she was not provided the information that is written on the package and apologize that she did not receive the first check mailed on December 11, We advised that she will receive a replacement check within ten business days to her updated address NetSpend regrets the inconvenience that Ms [redacted] has experienced with our productWe 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

Complaint: [redacted] I am rejecting this response because: I have sent in all required documents that NetSpend/PayPal has asked for to prove that this refund is not fraudulent activityI and the merchant both have done what was asked and I'm still not getting my fundsThe account is now closedBrian stated the account was re-opened with a hold on the $However, I was told the account can not be reopened once it is closedIt's something different every day with this companyI just want my funds to be released to meEven if the original purchase did nother occur from my PayPal account, I still did what was askedProve that the original purchase madeStill 10-days later my funds are still held upEven the funds that are not associated with the $ Regards, [redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a block on her accountOur Risk Management Team regularly monitors cardholder accounts in order to provide a safe and secure product for all of our cardholdersOn February 20, a block was placed on Ms [redacted] account with the request that she send us documents to verify her identityOn April 11th, I spoke with Ms [redacted] about her accounts She requested to close her accounts in lieu of providing her identification documents Refund checks were requested for all of her accounts and should be received within business days.Ms [redacted] has 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 block that was placed on her new card that she purchased She’s requesting to be reimbursed for the funds that were deposited to her new card Our Risk Management Team regularly monitors our customer’s accounts in efforts to prevent compromising activity, or unacceptable account usageOur Risk Management Team identified risk factors that led to the closing of Ms***’s accounts on November 9, She is no longer eligible for NetSpend services due to the risk factors that were identifiedWhen Ms [redacted] attempted to activate her new card on October 22, 2015, our system automatically blocked it as a result of the previous events A request has been submitted to send a refund check to Ms***’s address on file which will be delivered within business days On October 29th, we reached out to Ms [redacted] by telephone and email, but have not had the opportunity to speak with herWe will address any concerns with her if she returns our call or e-mailWe regret any inconvenience Ms [redacted] has 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

Wednesday, July 13, 2016To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning her dispute claim On July 6, 2016, Ms [redacted] contacted us to report unauthorized transactions that posted to her accountWe opened a dispute claim and began our investigationWe informed Ms [redacted] of the investigation timeframes afforded under Regulation EA member of our Corporate Response Team was able to speak with Ms [redacted] on July regarding her dispute claimWe confirmed that she will receive an update on her claim by July 20.Additionally, our Risk Management Team closed Ms [redacted] ’s account due to risk factors that were identified during our dispute investigation These risk factors are not shared with consumers for security reasons and Ms [redacted] is no longer eligible for products managed by NetSpendWe will send any remaining funds from Ms [redacted] ’s balance in form of a refund check.a check for her remaining balanceShe should receive this check within business daysWe have provided Ms [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 his monthly fee. On March 12, 2016, Mr. [redacted] ordered a NetSpend card while filing his taxes on the Turbo Tax website. Mr. [redacted] received his tax refund deposit to his account on March 20, and he... activated his card on March 26. The monthly fee associated with the card is waived for the first month after a deposit arrives. The monthly fee associated with his card began to charge on May 21. It was later collected on June 15 when Mr. [redacted] had funds available on the account. We spoke with Mr. [redacted] on June 20 and explained his account fee plan. We emailed him the account history so he could review the transactions and fees. We 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

Complaint: [redacted] I am rejecting this response because Netspend did not answer my question as to what unsafe practice they discovered, nor did they expedite my refund I believe that my account was closed because their investigation discovered that one of their employees is selling client information and they don't want anyone to know I also have a large issue with the fact that Netspend lists themselves as a U.Sbank but does not have one physical address or employee inside the U.S Regards, [redacted] ***

To Whom It May Concern: We received additional comments regarding complaint # [redacted] filed with your office by [redacted] concerning her refund check she hasn’t received We appreciate Ms***’s additional comments On November 8, a member of our Corporate Response Team reached out to Ms***, to further discuss her refund checkOur records show that we mailed Ms [redacted] a new check on October 27, via USPSUnfortunately, USPS does not provide us with a tracking number for our records We informed Ms***, that if she does not receive her check after fifteen business days from October 27, and we can confirm it has not been cashed, we will mail her a new check via UPS A tracking number will be provided to Ms [redacted] once it is available We apologize for any inconvenience or concerns this issue may have caused Ms***We have provided Ms [redacted] with our contact information should she have any additional questions or concerns Thank you, [redacted] Corporate Response Team Manager NetSpend, a TSYS Company

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning a block on her card account On June 13, 2016, Ms [redacted] received a merchant refund from DirecTV A systemic block was placed on the 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 Rules Our Customer Service Department spoke with Ms [redacted] on June 28, and requested the original purchase receipt On July 7, we received documentation from MsBarnes, but it was insufficient to remove the block A member of our Corporate Response Team spoke with Ms [redacted] on January 18, 2017, to explain why the documentation was insufficient and assist with the block removal Our Risk Management Team reviewed her card account and the block was removed later that same day The most common fees for using the card and for maintaining the account, including account maintenance fees, are fully disclosed in the cardholder agreement and are visible to consumers prior to activation As a courtesy, we have reimbursed the account maintenance fees she was charged 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: Thank you for forwarding Ms [redacted] complaint to usWe reviewed Ms [redacted] account and were unable to research the complaint using the information she providedWe attempted to reach Ms [redacted] by phone and email on June and June but unfortunately, were unable to speak with Ms***Her case has been assigned to a Corporate Customer Response Team Analyst, [redacted] [redacted] will attempt to reach Ms [redacted] again on July 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

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning her payroll direct deposit posting later than she expected. Netspend received Ms. [redacted] payroll deposit on March 8, 2016 at 3:35pm and approved her deposit at 3:37pm. We advised Ms. [redacted] that we do not control when we receive her deposit, but that we post it as soon as it arrives.We regret any inconvenience that Ms. [redacted] experienced while waiting on her direct deposit. She has been given 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] Mr [redacted] states that he was waiting on a refund from Veterans Commemoratives, but it was not creditedHe’s requesting for the credit to post to his accountOn August 30, 2015, Mr [redacted] disputed a transaction from Veterans Commemoratives in the amount of $through the website, www.netspend.comHe was informed that his disputes claim would be updated within ten business days, September 14thWe closed Mr [redacted] ’ disputes claim on September 2nd because the merchant refunded the account for the disputed amountNetSpend regrets the inconvenience that Mr [redacted] experienced while waiting for the credit to post to his accountHe has been given my contact information should he have any additional questions or concernsThank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

Wednesday, March 14, 2018To Whom It May Concern: We appreciate Ms [redacted] additional commentsWe’ve reviewed Ms [redacted] dispute claim and complaint that reimbursement was not providedAfter review, we’ve determined that his claim was handled correctly We provided information about Ms [redacted] dispute claim by email on March and also advised that she is no longer eligible for services managed by NetspendThank you for bringing this matter to our attentionThank you, [redacted] Customer Experience AnalystNetspend, a TSYS Company

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning his dispute claimOn September 24, 2016, Mr [redacted] contacted us to report an unauthorized transaction that posted to his accountWe immediately blocked his card to prevent further unauthorized activityWe promptly opened a dispute claim and began our investigationWe also informed Mr [redacted] of the investigation timeframes afforded under Regulation EOn October 7, we determined the dispute claim was not eligible to receive a provisional credit, but we are continuing our efforts to investigate the claim A member of our Corporate Response Team spoke with Mr [redacted] on October 7, to discuss his dispute claimAfter further review, a provisional credit was issued to Mr [redacted] account on October The dispute claim is scheduled to be finalized on November The results of the investigation will be sent to Mr [redacted] in writing within business days of completing our investigation We have provided Mr [redacted] with our contact information should he have any other questions or need any further assistance Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

Wednesday, May 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 May 2, by way of telephone, and 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 the follow up complaint # [redacted] ,filed with your office, by [redacted] concerning her disputes claimsThe dispute investigation, opened on June 27, 2015, was concluded on August 11thThe merchant provided documentation that the charges were validWe mailed Ms [redacted] the results of our investigation that same dayAs a result, the provisional credit was reversed from MsAndrew’s account on August 18thThe documentation provided by the merchant will be mailed to Ms [redacted] within 7-business days.On July 10, we received an Automated Clearing House (ACH) debit payment from Shore Financial for $using Ms [redacted] account and routing numberWe provided Ms [redacted] with a full reimbursement for this transaction on October 2, We have also applied a courtesy credit onto her account due to the delay she experienced when resolving this matterWe have declined three additional attempted ACH debit payments from Shore FinancialHowever, we have asked Ms [redacted] to send us a Stop Payment form so that we have the authorization to decline all future Shore Financial ACH debit paymentsWe have provided Ms [redacted] with our contact information should she have any additional questions or concernsWe will also send Ms [redacted] a follow up letter to address her concernsThank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: [redacted] I am rejecting this response because:The matter is still unresolved I do appreciate the prompt response, however if this was a time situation I would be satisfied Again there systems can not distinguish between a completed transactions versus incomplete transactions.This is the 3rd time in months I have been unable to pay bills because of this Regards, [redacted]

Wednesday, November 16, 2016To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning her account closure and remaining funds.On October 25, Ms. [redacted] contacted us to activate her NetSpend Card. Our system was unable to automatically... verify her identity and we requested Ms. [redacted] to send us her identity documents in order for us to fully approve her account. We received Ms. [redacted] documents on October 26 and approved her account. Later that day, we received a direct deposit from Lone Star College and posted it to Ms. [redacted] available balance.After further review of the documents Ms. [redacted] provided to verify her identity, we determined that they were not authentic, resulting in the closure of Ms. [redacted] account on October 27. We are no longer able to offer Ms. [redacted] services managed by NetSpend. Due to the nature of the account closure we requested a Letter of Indemnity, from the sender of the deposit, because they were the originator of the remaining funds on the account.A member of our Corporate Response Team spoke with Ms. [redacted] on November 16, regarding the status of her funds. We confirmed that we will need to receive a Letter of Indemnity from Lone Star College in order to send the funds back to them via check by mail. We provided Ms. [redacted] with the address they can send the documents to.We apologize for the misinformation Ms. [redacted] received from 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 TeamNetSpend A TSYS Company