Realcor Developments Ltd.

Tuesday, September 6, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a Brinks Prepaid card she has not received On August 13, 2016, Ms*** requested a Brinks Prepaid card. Ms*** contacted us on
August to report that her card has not been received. Our records show that we received Ms*** card back as undeliverable on August A replacement card had not been ordered We 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 them. The card we mailed was not active and cannot be used unless activatedDuring activation, NetSpend verifies the identity of the person activating the offer to ensure that the card offer can only be used by the intended recipientIf the recipient cannot be verified, then the offer cannot be activated A member of our Corporate Response Team reached to Ms*** on August by phone and email, and she responded via emailMs*** expressed concern with having to provide her social security numberWe explained the reasons listed above why it would be reqeusted and assured Ms*** that we do not have her social security number on file, since her card was never fully activatedAt the request of MsBooth, we have closed her account and her information will not be shared with non-affiliate third parties. We apologize for the service that Ms*** 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*** with our contact information should she have any additional questions or concerns. Thank you, *** *** Corporate Customer Response Team NetSpend A TSYS Company

Friday, June 17, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning her dispute claim. On May 1, 2016, Ms*** disputed several unauthorized transactions that posted to her account We
immediately blocked her card to prevent any further unauthorized use and ordered a replacement. We opened a dispute claim and promptly began our investigation. We also informed Ms*** of the investigation timeframes afforded under Regulation E. We concluded our investigation of Ms***’s dispute claim on June and no credit was issued because based on a review of her account, card and usage history, we did not find that an error occurredWe have reason to believe that the transactions were authorized and that Ms*** benefited from the transactions. Upon receipt of this communication, we spoke with Ms*** on June to discuss her dispute claimMs*** provided additional details about her claim and we forwarded this information to our Disputes Department for review. We re-reviewed the claim using the information Ms*** provided us, and based on our findings, the claim was handled appropriately A letter detailing the results of our investigation was mailed to her address on file. She should receive this letter within ten business days During the investigation of Ms***’s claim we identified several high risk factors associated with her accountDue to these concerns, we have closed her account and we are no longer able to offer her NetSpend services We have provided Ms*** with our contact information should she have any additional questions or concerns. Thank you, *** ** *** Corporate Customer Response Team NetSpend A TSYS Company

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning the fees associated with his accountThe most common fees for using the card and for maintaining the account, including balance inquiry and purchase transaction fees, are displayed on
the package and visible prior to purchasing the card Our records show that Mr.*** contacted our customer service department to activate his temporary card on July 19, 2016. The Customer Service agent whom assisted Mr*** discussed the fee plans that were available for his account On July 20, Mr*** contacted us to inquire about the purchase transaction fees that were associated with his new card. We explained that the fees were charged appropriately, as described in the Fee Schedule section of your Cardholder Agreement In response to this communication, we made several attempts to contact Mr***. Unfortunately, we were unable to speak with him. As a courtesy, we have reimbursed his account for all the transaction fees We have provided Mr*** with our contact information should he have any additional questions or concerns. Thank you, *** *** Corporate Customer Response Team NetSpend A TSYS Company

Monday, December 04, To Whom It May Concern: Thank you for forwarding Ms***’s complaint 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***’s dispute claim and determined that her claim was handled correctlyAs you requested, we addressed this matter directly with Ms*** on November 29, by way of telephoneWe provided her with further insight on the dispute processThank you for bringing this matter to our attentionThank you, *** *** Customer Experience AnalystNetspend, a TSYS Company

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning a block on his account and access to his fundsOn April 13, 2016, Mr*** received a merchant refund from Vista InnA systemic block was placed on the account because the refund did not
correspond with any debits posted by the same merchantAn additional credit was received the next day from the same merchantIt is our policy to ask for a copy of the original purchase receipt or request the merchant to reverse the refund.On April 19, Mr*** provided a hotel invoice for Vista InnOur Risk Management Team removed the block after reviewing the document.We have provided Mr*** with our contact information should he 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 dispute claim.On July 18, 2016, Ms*** contacted us to dispute a merchant transaction that posted to her account from ***We immediately opened a dispute claim and promptly began
our investigation On August 1, we determined that her account was not eligible for provisional credit, but we are continuing our efforts to investigate the claim. A member of our Corporate Response Team reached out to the *** on August 12, regarding the details of the transactionAt the recommendation of ***, we provided Ms*** the details given that she can contact *** to discuss an expedited resolution In the meantime, we are continuing with our investigation of her claim through MasterCard Association Her claim is scheduled to be finalized on September and the results of investigation will mailed to her within three business days from this deadline date We apologize for the service that Ms*** experienced with our Customer Service Department and not receiving her replacement card in a timely manner We have reported this incident to the management staff of the customer service agents she spoke withOur records indicate we expedited a replacement card to the new address Ms*** provided on August We have provided Ms*** with our contact information should she have any additional questions or concerns Thank you,*** ***Corporate Customer Response TeamNetSpend A TSYS Company

Thursday, October 12, To Whom It May Concern: Thank you for forwarding Mr*** ***’s complaint *** to usAs you requested, we addressed this matter directly with Mr*** on October 12, by way of telephoneWe informed Mr*** by email of our actions to resolve his
complaintThank 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 the inconvenience that she’s experiencing with the disputes claim timeframeShe’s requesting a refund for the disputed transaction. On January 8, 2016, Ms*** disputed an
ATM transaction that did not dispense her fundsWhen speaking with customer service, she was informed that an update would be provided within business daysBusiness days do not include weekends or holidays. NetSpend is in accordance with Regulation E Guidelines for Electronic Funds Transfers when resolving disputes claimsIt can take up to business days for an initial review of the claimHowever, if more time is needed to review the claim or provide the merchant with reasonable time to respond to our claim, it could be extended to days to finalizeOur Disputes Department will have an update for Ms*** by January 25, If more time is needed to research her claim, our Disputes Department will determine if Ms*** eligible for a temporary credit. We spoke with Ms*** on January 13th concerning her disputes claimAfter reviewing her claim, our Disputes Department issued a temporary credit to her account the next dayAs long as the claim is successful, no further action will be required at the final date of her claimNetSpend understands that the disputes process can be extensive, and we appreciate Ms***’ patience as we attempt to retrieve her fundsWe have provided her with our contact information should she have any additional questions or concerns. Thank you, *** ** *** Corporate Customer Response Team NetSpend A TSYS Company

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning her dispute claim. On June 4, 2016, Ms*** contacted our Customer Service Department to dispute a transaction that posted to her account, because services were
not rendered as agreed to by the merchant We immediately opened a dispute claim and began our investigation. We also informed Ms*** of the investigation timeframes afforded under Regulation E. We concluded our investigation of Ms*** dispute claim on September and no credit was issued because we did not find that an error occurredWe received supporting documentation from the merchant involved in Ms*** dispute claim that validated the transactionIn response to her communication, a member of our Corporate Response Team, spoke with Ms*** on September 19. On that same day, we relayed additional information regarding the outcome of her claim to our Dispute Resolution Department. After reinvestigating Ms*** dispute claim, we confirmed that an error did occur. We contacted Ms*** on September 22, and provided full reimbursment for the disputed transactionWe have provided Ms*** with our contact information should she have any additional questions or concerns. Thank you, *** *** Corporate Customer Response Team NetSpend A TSYS Company

To Whom It May Concern: Thank you for forwarding Ms*** complaint to usAs you requested, we addressed this matter directly with Ms*** on January 25, by way of telephone, e-mail, or letterIf 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, *** ***
Customer Experience Analyst Netspend, a TSYS Company

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Ms*** states that she disputed a charge from ADT and her funds were not credited after business daysShe wants her money refunded immediatelyOn July 22, 2015, Ms*** disputed a
transaction with ADT for $We informed her that we would update the disputes claim within ten business days, August 5thAfter ten business days, our Disputes Department provided Ms*** with an update that we needed additional information to continue the investigation of the disputed chargeNo provisional credit was issuedWe reviewed the claim on August 18th, and issued her a credit for the disputed amountWe notified her of the credit by telephoneNetSpend understands the disputes process can be time consumingWe appreciate Ms***’s patience while we worked to retrieve her fundsWe have provided her with our contact information should she have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Wednesday, December 20, 2017To Whom It May Concern:Thank you for forwarding Mr***’ complaint to us. This type of product is intended for individuals who wish to have access to an electronic form of payment, but would like an alternative to a traditional bank accountThe 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 activationThe product comes with a variety of fee plans in order to meet the diverse needs of our consumers.We attempted to reach Mr*** by phone and email on December 19, but unfortunately, we were unable to speak with himWe sent an email to Mr*** on December outlining our actions to resolve his complaint. Mr***’ case has been assigned to Corporate Response Team Analyst, ***. Should Mr*** contact our Customer Service Department, we have left notes on his account for him to be connected with *** to further assist him with this matter. Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concern. Thank you, *** ***Customer Experience AnalystNetspend, 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 do feel uncomfortable that a minor can receive an unrequested debit card in this manner. I will have to keep an eye on my grandsons credit report for anything suspicious from now on.I do feel better that NET.SPEND is saying that they will delete his records.Regards,
*** ***

To Whom It May Concern: Thank you for forwarding Mr*** ***’s complaint *** to us We 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 them. The requirement to obtain this information is displayed on the inside flap of the Card Account package and is visible to consumers prior to purchase. Our package also informs the buyer that the person activating the card must be at least years of age and that this is not a gift card. On October 26, 2017, we converted the card account to ‘Limited Use’ which allows the consumer the option to spend the funds using in store purchases or PIN based transactions, without having to provide any information. Once the funds are used the card can be discarded as it cannot be reloaded. We attempted to reach Mr*** by telephone and email on November and November but unfortunately, we have been unable to speak with him. We emailed him on November 3, outlining our actions to resolve his complaint Mr***’s case has been assigned to Corporate Response Team Analyst, ***. Should Mr*** contact our Customer Service Department, we have left notes on his account for him to be connected with *** to further assist him with this matter. Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concern Thank you, *** *** Customer Experience Specialist Netspend, a TSYS Company

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning his dispute claim. On October 13, 2016, Mr*** contacted us to report unauthorized transactions that posted on his account. We immediately opened a disputes
claim and began our investigationWe also informed Mr*** of the investigation timeframe afforded under Regulation E. We advised that an update will be available on October In response to his communication, a member of the Corporate Response Team attempted to contact Mr*** on October 21, but unfortunately, we were unable to speak with him. Because Mr*** card was not blocked at the time he reported unauthorized activity, we immediately blocked the card on October 24. A new card has been expedited to Mr*** address on file at no cost. He can expect the card to arrive within 1-business days. Mr*** has been provided with our contact information should he have any additional questions or concerns. Thank you, *** *** Corporate Customer Response Team NetSpend A TSYS Company

To Whom It May Concern: Thank you for forwarding Ms***’s complaint to usWe were unable to locate her exact card account or research the complaint using the information providedWe attempted to reach Ms***’s by phone and email on October and October but unfortunately, were unable
to speak with Ms***Her case has been assigned to a Corporate Customer Response Team Analyst, *** will attempt to reach Ms*** again on October Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concernThank you, *** *** Customer Experience Netspend, a TSYS Company

Complaint: ***
I am rejecting this response because:the charge went through but then macys reversed the charges placing the money back into the account and placed no hold on funds Then when macy tryed to claim funds again almost a month later ,there was no funds availibleAnd being that this was a prepaid card ,this transaction should have been denied due to insufficent funds but net spend allowed it to go through ,then almost another month passes and net spend then issues a negative statues on my acoountAnd during all this time I was never notified whether by email ,phone call or certified or local mailWhen obviouse there was plenty of time in which to do soAlso when I called to find out more after a purchase of mine was denied Netspend was very seceretive and did not want to furnish me with much info .but never the less I got different answersEven had a supervisor hang up on me after telling me and I qoute" shut *** *** up." .then to top it of per netspends user agreement im the on that has to inichiate the hold on the card for reason : lost or stolen card.but I did not nor did I state it was an unauthorized purchaceI only stated I did not remember it and wanted justification because I was not finding anyting ,and before you know it they canceled my card even when I told them not toAlso billy is not telling the truthI have left several replies to him via phone call and email and has not gotten back to me
Regards,
*** ***

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning her dispute claim. An individual identifying themselves as Ms*** contacted us on February 20, and reported the card as stolenThey also requested an
account-to-account transfer to another NetSpend cardholder’s accountWe blocked the card and completed the account-to-account transfer because the individual successfully verified Ms*** informationThe individual also changed the email on the account On February 21, 2017, Ms*** contacted our Customer Service Department to report that the transfer was unauthorizedWe promptly opened a dispute claim and began our investigation. We also informed Ms*** of the investigation timeframe afforded under Regulation E. We ordered her a replacement card and disabled the account-to-account feature to prevent further unauthorized transfers from occurring A member of our Corporate Office spoke with Ms*** on February 21, and explained the dispute process. We also informed Ms*** that an update concerning our investigation was scheduled to be available on March 21We completed our investigation on February 24, and issued her full reimbursement for the disputed transferThe results of the claim were sent to Ms*** in writing within business days. Ms*** has been provided with our contact information should she have any additional questions or concerns. Thank you, *** ** *** Customer Experience Specialist Netspend, a TSYS Company

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning his dispute claim. On March 17, 2017, Mr*** logged into his online account center to report a transaction that posted on his account by the merchant, Cricket
Wireless. We promptly opened a dispute claim # *** and began our investigation. We also informed Mr*** of the investigation timeframes afforded under Regulation EOn April 2, a member of our Corporate Office reached out to Mr***. We determined that Mr***’ 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 May The results of the investigation will be sent to Mr*** in writing within business days of completing our investigation. We have provided Mr*** with our contact information should he have any additional questions or concerns. Thank you, *** *** Senior Customer Experience Specialist Netspend A TSYS Company

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning his card activation We 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 in the envelope that we send with the card offer Mr*** attempted to activate his new account on July 1, 2016, but his identity information could not be automatically verified We requested him to provide copies of his identification documents to verify his identity We spoke to Mr*** on July and we were able to verify his identity information and activate his card. We have provided Mr*** with our contact information should he have any additional questions or concerns Thank you,
*** ***
Corporate Customer Response TeamNetSpend A TSYS Company