Realcor Developments Ltd.

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning the monthly fee plan associated with his account He’s requesting a refund for the fees he incurred on the account On February 8, 2016, Mr [redacted] activated his NetSpend card / account and was automatically placed under the Pay As You Go fee plan This default fee plan charges $for signature transactions and $for transactions using the PIN On February 11th, he received a direct deposit over $and his account was upgraded to Premier status This upgrade made him eligible for the Fee Advantage Plan (FAP) for a reduced fee of $per month The plan would automatically switch to the lesser amount if he had been on the FAP for $previously When he called customer service on February 16th, he was placed on the $FAP We reached out to Mr [redacted] on February 17th by telephone and email, but unfortunately, we did not have the opportunity to speak with him We will assist him further when he returns our call As a courtesy, we refunded the transaction fees that would have been covered by the FAP, if it had been selected NetSpend regrets the inconvenience that Mr [redacted] experienced with the FAP on his cardHe has my contact information should he have any further questions or concernsThank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

RevDex.com: I was contacted by netspend and they have placed a partial temporary credit toward my account. I will eventually have to pay this money back which is not acceptable. Netspend must do a thorough investigation into the merchant that scam my account Regards, [redacted]

Thursday, October 5, To Whom It May Concern: Thank you for forwarding Ms [redacted] ***’s complaint to usAs you requested, we addressed this matter directly with Ms [redacted] on October 3, by way of telephoneWe informed Ms [redacted] by email on October 5, 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 May Concern:We received complaint # [redacted] filed with your office by [redacted] Ms [redacted] states that a refund to her card caused it to be blocked along with other funds she had deposited to the accountShe wants her funds releasedOn April 29, three credits posted to Ms [redacted] ’s account from TargetOur system automatically blocked the account because there was no corresponding debit for those amounts with that specific merchantOur Risk Management Department requested that the credits be reversed back to the merchantTarget reversed the credits on May 6th and Ms [redacted] has complete access to the funds on her accountNetSpend regrets the inconvenience that Ms [redacted] has experienced as a result of the merchant creditsShe has been given our 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: I gave vary clear instructions to netspend so I can recieve my money with no issues.I told them not to send me another card because I work so im not home all the time mail arrives to my house.I had opened a new account with netspend and had recieved a card for a new account.I was gonna have my credit put to my account and was gonna transfer the credit to my new account and after close this account down and use my new account.so that way I recieve my money without it getting tookin again.so netspend agreed to it and said they were not gonna send another card and the will call me wen I recieve the credits to transfer to my new account.well they didnt.they still sent another card and I didnt recieve it.it got activated.they credited my account like they were supposed to,but they never called me to inform me of my credits being posted.I recieved a letter in the mail on april 10,telling me my account was credited on march 31,2015.thats days later I get told about my credit.netspend was supposed to call me.by the time I recieved my letter and checked my account,my money was tookin again.im wondering how,well I was never told by netspend that another card was sent and it got activated to the account.and that my money was tookin the same day it was posted to my account.I had to call and find all this out myself.so I never recieved my money,and when I talked to the despute rep that handled this case,he told me that its not his problem and that I should keep track of my stuff.well I do keep track of my stuff thank you vary muchI should have to watch my own stuff at my own house 24/7,nore should I feel uncompfortable leaving my stuff in my dresser.it should be safe when I put it away like im supposed to and like I always do.well I learned my lesson which is why I had my cusin arrested and hes still currently incarceratedBut that still doesnt solve the fact I never recieved my money.the despute rep from netspend just flat out told me"we are not gonna replace the money again so I can just forget about it,that its not his problem" thats vary unprofessional and not the way you treat a customer.I just want my money thats all Regards, [redacted] ***

Complaint: [redacted] I am rejecting this response because: Social Security explained to me in June 2015, they will not be sending a letter to NetSpin They have nothing to do with them holding the money I visited the Social Security two times I also called ###-###-#### three times I visit the office last Monday and Social Security stated again they did not send NetSpin a letter nor did they tell them to hold the money of [redacted] M [redacted] Also, the representative look through my file and said he see no notes where I had to pay anything Social Security also sent my money for July 3rdIn other words, NetSpin is holding the funds for interest Social Security have no reason to contact them and they again said they will not send a letter to NetSpin NetSpin is taking matters in their own hand The waiver form was filled out with Social SecurityI do not know what NetSpin is talking about when it comes to Social Security or US Treasure Dept., they are not sending a letter also Regards, [redacted]

Complaint: [redacted] I am rejecting this response because: I simply do not feel like the matter was handled properlyI have received a credit to my account totalling the amount of my claimBut I want it to be known I do not think this was at all handled appropriately Regards, [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that I sent them documents showing my address I have proof in my
Regards,
*** ***

Thursday, January 11, To Whom It May Concern: Thank you for forwarding Mrs*** ***’s complaint *** to usAs you requested, we addressed this matter directly with Mrs*** on January 11, by way of telephoneWe sent her an email detailing the actions to resolve her concerns
Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concernThank you, *** ***Customer Experience Specialist Netspend, a TSYS Company

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Mr*** states his card would not activate and the website said there is a problem with the accountHe wants a full refund of $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 residential 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 cardOn July 9, 2015, we spoke with Mr*** concerning the account activationWe required a physical address for the listed account informationHe informed us that he has already resolved the matterHe closed the account on July 3rd and a check is being mailed to his address on July 10thHe will receive the check within business days minus the check processing fee of $NetSpend regrets the inconvenience that Mr*** experienced while trying to activate his cardWe have provided him our contact information should he have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: ***
I am rejecting this response because: the documents that I provided am that morning would be the the same documents that I provide the coorporate managerThey rejected the returns at pm the same day
Regards,
*** ***

To Whom It May Concern:We received additional comments on complaint # *** filed with your office by *** *** concerning her request of a review of her account history to confirm that a pending hold was released to her card account balance.On December 9, 2015, our customer service explained to Ms*** that the hotel hold for $75, minus the cents, was released back to the card balance on September 28thShe requested the transaction history to be resent to her on December 11th for her reviewShe was unable to view the September transactions from her mobile device, so our customer service emailed and mailed her the transaction history on December 14thWe reached out to Ms*** by telephone and email on December 22nd, but have not had the opportunity to speak with herWe hope that the transaction history statements have clarified Ms***' inquiry concerning the pending hotel holdWe have provided her our contact information should she have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

To Whom
It May Concern:We received complaint # *** filed with your office by *** *** concerning her cancelled account. She’s requesting a refund for her remaining account
balance, and any fees charged. In
an effort to protect NetSpend cardholders, Our Risk
Management Team regularly
monitors their 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 2, 2015. She is no longer eligible for NetSpend
services due to the risk factors that were identifiedThe remaining funds on
the account is a deposit from *** ***, and will be returned to the sender
once we receive a letter of indemnity from themWe’ve attempted to contact Ms
*** to explain what has taken place on her account, but have yet to speak with
her. NetSpend
regrets the inconvenience that Ms*** experienced with the closing of her
account. We have provided her with our
contact information should she have any additional questions or concerns. Thank
you,*** ** ***Corporate
Customer Response TeamNetSpend A TSYS Company

Friday, June 26, 2015To Whom It May Concern:We received complaint # *** filed with your office by *** ***. Mr*** states that a charge on his card did not go through, but the funds were not released after he sent documents three times. He wants the money returned to his
account. On June 15, 2015, TVG Online charged Mr***’ card $106.61. The funds for that transaction were held in a pending status waiting for the merchant to collect. Mr*** informed us that the charge did not complete on the merchant’s end and he wanted the funds put back on the card balance. We told him it could be released if we received documentation from the merchant stating they will not be collecting on that specific charge. The documents we received were unacceptable because the amount listed did not match the transaction. After seven days of the merchant not collecting, that transaction amount was released back to Mr***’ card balance. NetSpend regrets the inconvenience Mr*** experienced while waiting to get the pending transaction released. We have provided him with our contact information should he have any additional questions or concerns. Thank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern:We received complaint # *** filed with your office by *** *** ***Mr*** mentions there were unauthorized transactions on his account and is requesting a credit back for the transactions in questionI spoke with Mr*** on May 6th to address his concernsI
opened a claim for him and explained the disputes processWe regret any inconvenience this may have caused MrBrownHe has my contact information should he have any additional questions or concerns. Thank you,*** ***Corporate Customer Response TeamNetSpend A TSYS Company

Tuesday, December 15, 2015To Whom It
May Concern:We received complaint # *** filed with your office by *** *** concerning a block placed on
her account due to the addition of a secondary cardholder. She’s requesting the block to be removed. On December
4, 2015, a
secondary cardholder was added to Ms***’s NetSpend
account. Our system recognized that
individual’s information as being associated with a previous account that had a
negative balance, resulting in Ms***’s account becoming blocked. That individual is no longer eligible for
NetSpend services. On December 8th,
Ms*** requested that the individual be restricted from her account. We restricted the information and removed the
block from Ms***’s account. We reached
out to Ms*** on December 15th by telephone and email. We have not had the opportunity to speak with
her, but will assist with her concerns when she returns our call. NetSpend regrets the inconvenience that Ms
*** experienced as a result of the secondary cardholder added to her
accountWe have provided her with our contact information should she have any
additional questions or concerns. Thank you,*** ** ***Corporate
Customer Response TeamNetSpend A
TSYS Company

Thursday, September 22, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning the funds from his accountWe 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 purchase.On August 26, 2016, Mr*** attempted to activate his new NetSpend card, but his identity information could not be automatically verifiedWe requested him to provide copies of his identification documents to verify his identity manuallyUnfortunately, the documents he provided were insufficient to verify the information on his accountMr*** requested to have a refund check mailed to himThe remaining funds on his account were mailed to the address we had on file on September Mr*** contacted our Customer Service Department to report that he had not received the check on September We informed him that we will request another check be sent if he has not received the first one, after fifteen business days, which would be on September In response to his communication, a member of our Corporate Response Team spoke with Mr*** on September 22, regarding his refund checkWe could not confirm his address through the U.SPost Office website, so we offered to convert his card to "Limited Use" feature, and he acceptedWe voided the check and returned the funds to his cardThe "Limited Use" feature allows him to use the card for PIN based transactions and in-store purchases onlyOnce the funds are depleted he can dispose of the card because it cannot be reloadedWe have provided Mr*** our contact information should he have any additional questions or concernsThank you, *** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Thursday, March 1, To Whom It May Concern: Thank you for forwarding Ms *** *** complaint *** to usAs you requested, a member of our Corporate Customer Response Team addressed this matter directly with Ms*** on February 23, by telephoneWe emailed Ms*** the
details outlining our actions to resolve her complaint on February 28, Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concernThank you, *** ** ***Customer Experience Specialist Netspend a TSYS Company

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning an authorized pending transaction made with his NetSpend card that was cancelled On March 10, 2016, we contacted the merchant to verify the transaction had been cancelledWe
contacted Mr*** to advise we released the pending amount back into his available balanceWe also informed Mr*** that this release is not a stop payment.NetSpend regrets any inconvenience Mr*** experienced while waiting for his funds to be available on his card He has been given our contact information should he have any additional questions or concerns Thank you,*** ***Corporate Customer Response TeamNetSpend A TSYS Company

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
I wanted to let you know that I was contacted via email today by Netspend and they have done what I asked of themI was credited
the overdraft fee, signature fees, and pin fees back to my accountMy complaint number is ***Thank you very much for helping with this issueIm surprised it hasn't happened a million times beforeThey don't do what is advertised regarding overdraft protection and member plansEven as it is advertised on the televisionI believe they mislead on purposeAgain, thank youI have changed card carriers
Regards,
*** ***