Realcor Developments Ltd.

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Mr*** states that he had to purchase a new card because he did not receive his replacement card after three weeksHe wants his card delivered in a timely mannerOn July 16, 2015, Mr
*** reported his card lost and we ordered him a replacement cardThe Post Office returned the replacement card to us as undeliverable on July 31stWe reached out to Mr*** by telephone and email on August 7thOnce he verifies the address where he wants us to mail the card, we will reissue the card orderMr*** has supplied a different address to the Revdex.com, which is not the same address that he has on his three NetSpend accountsNetSpend regrets the inconvenience that Mr*** has experienced while waiting on his new cardsHe has been given 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: I don't believe that Netspend is handling my dispute as it should beThe time frame in which they use to resolve my dispute is entirely to long and time consuming They handled my dispute in such a negative manor causing me to feel as if I was a criminalNetspend allowed an authorized charge to be changed to a higher amount under the same authorization number without my consent and never contacted me to adviseMy account could of been comprimised , this should of raised a red flag as a security issue in which it caused me to go dollars negative then to top it off the continued this negligent behavior by allowing a charge of dollars along with a forced charge with no authorization number of dollar to be charged to the accountThis showsvall the signs of a compromised account but yet they never reached out to me to advise meNetspend knows what they did . But yet they made it look like it was my fault Netspend allowed the account to go dollars negative For a charge of $and $on a prepaid card accountThen so they would not have to release the back to my account because it was not being disputed by this merchant , they canceled the claim number on the and added it to the separate claim number for because the merchant was disputing the claim if There policy only allows them to credit my account for the credit of since it was not being disputed/challenged by the merchant Since the merchant was challenging my dispute of they could not credit back the and I believe this is why they added the to the claim But eventually they released the back to the account but not the in where I'm still negative by dollarsAnd they are making me wait even longer by telling me they need an additional weeks to try and resolve this claimI find there actions to be negligent and unprofessional and should not be allowed to conduct business as so.
Regards,
*** ***

Monday, October 17, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning her account 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 presented on the website when ordering the card and provided inside the envelope sent with the card mailing. Ms*** attempted to activate her new account on October 8, during routine monitoring we placed a temporary restriction on her account. In order to remove the restriction, we requested Ms*** to provide copies of her documena to verify her identiy. In response to her communication, a member of our Corporate Response Team spoke with Ms*** on October 14, we requested her to provide us with copies of her documents to verify her identificationUnfortunately, the documents Ms*** provided were inadequate to approve her account. Due 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 a restriction on her account. During routine monitoring, we placed a temporary restriction on Ms***’s account on June 11, 2016, because we detected suspicious activity In order
to remove the restriction, we requested Ms*** to provide us with copies of her receipts confirming her recent cash loads On June 11, we received Ms***’s documents The processing time to review documents can be up to six business hours On June 13, we completed the review and removed the restriction from her accountOn the same day we sent an email notification to Ms*** and confirmed that she has full access to her funds. We provided Ms*** with our contact information should she have any additional questions or concerns.Thank you,*** ***
Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: ***
I am rejecting this response because:I waited til today March 20, for my refund. Still had not received. I called Ms*** no answer. Then called Netspend for them to place me on hold and come back to tell me that I have to wait another 24-hours for another dept to respond. I am very frustrated with the way I am being treated. And is not fair to me and the USPS. The USPS has written a letter to not receiving the funds and I have not received any goods for that transaction. Why will they not refund me my money back. I don't want a credit I want my funds refunded
Regards,
*** ***

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning the inconvenience she has experienced with the timeframe on her dispute claims. NetSpend’s disputes process is in accordance with Federal Reserve’s Regulation E guidelinesPer these
guidelines, the disputes claim timeframe for the initial investigation review, and a provisional credit eligibility decision, can take up to business daysWe sincerely apologize if this information wasn’t provided to Ms*** On March 10, 2016, Ms*** called Customer Service to dispute six transactions on her NetSpend card. She called later that evening to dispute three additional charges that were pending during her initial call. She was informed that the claims would be updated within ten business days, March 24th. On that day, the Disputes Department will update the claim status and determine if a temporary credit will be issued as the ongoing claim continues. Ms*** disputed another transaction on March 12th and it will receive an update on March 25th. We reached out to Ms*** on March 17th 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. We apologize for any inconvenience that she experienced while disputing the merchant chargesMs*** has 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 her Skylight pay card. The fees for using the card and for maintaining the account, including inactivity fees, are fully disclosed in the
Cardholder Agreement that was included in the card carrier provided by Ms*** employerThe fee is automatically charged when there is no activity on the account for consecutive days In response to her communication, a member of our Customer Response Team attempted to contact Ms***, but, unfortunately, were unable to speak with her to address her concernOn October 17, as a courtesy, we reimbursed the inactivity fee she was previously charged. 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

Complaint: ***
I am rejecting this response because:
Regards,*** contacted me only to tell me that he needs my SS card picture front and back I send him all the documents he ask me to letter with my social security card number on it from the Department Of Labor he rejected it he send me an email like days ago telling me he still needs the picture of the card which I lost and I explain it to Mr *** tthat I was in the process of waiting on an new card only than he would send me an check or activated my card so what the email is saying about they send me an check is lie
*** ***

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning the inconvenience she experienced with activating her NetSpend 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 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 In the event that our Customer Information Program does not recognize a cardholder’s personal information, we request that they send identity documents On March 15th, we received Ms***’s documents and were able to fully approve her card for activationI reached out to Ms*** to address her concerns; however, she was has only responded via email to acknowledge that her card is now workingShould Ms*** contact me, I will be glad to address her concerns further.NetSpend regrets the inconvenience that Ms*** 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,*** ***Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning the inconvenience he experienced with activating a NetSpend Prepaid debit cardHe’s requesting the card to be activated or to transfer his money to another account. 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 them. This information can be found on the outside of our card packaging. On January 15, 2016, Mr*** attempted to activate his card, but the information he provided could not be verified by our process. We requested that he send identifying documents to fully approve his account. We spoke with Mr*** on February 2nd, and he informed us that he will not send in his identity documents. We could not transfer funds to his old account because the transfer feature was suspended on both accounts. We informed him we will send a check to his address within the next ten business days. NetSpend regrets the inconvenience that Mr*** experienced while attempting to activate his cardWe have provided him 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:We received a rebuttal complaint # *** filed with your office by *** ***, concerning the dispute claim he opened on his NetSpend Premier Visa Prepaid cardOn October 13, 2015, we reached out to Mr*** by telephone and email so we could clarify what he is not accepting in our previous responseWe have yet to speak with Mr***, but we will assist him with his concerns when he callsHis disputes claim was closed with an error found and it was paid out in full on October 5thThe Disputes Analyst completed the initial investigation four days earlier than the tenth business dayWe understand how frustrating it can be to experience unauthorized chargesWe processed Mr***’s claim as quickly as possibleWe have provided him our contact information should he have any additional questions or concernsWe will also send him a follow up letter with the information providedThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Friday, July 8, 2016 To Whom It May Concern:We received additional comments regarding complaint # *** filed with your office by *** *** concerning a refund check that has not been received. On July 8, 2016, we spoke with Ms*** and discussed her second check that she has not received to her address We assisted her with withdrawing her funds through an alternative method 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

To Whom It May Concern: Thank you for forwarding Mr***’s complaint to usAs you requested, we addressed this matter directly with Mr*** on November 7, 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 concern.Thank you, *** ***Customer Experience AnalystNetspend, a TSYS Company

Thursday, June 30, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning transactions on her account On June 17, 2016, a transaction from Comfort Inn was approved on Ms***’ account in the amount of $10.00. This
transaction remained in a pending status until we spoke with Ms*** on June 30. We released the pending transaction and advised Ms*** that the release is not a void or cancellation of the original charge. 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 agent 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

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning her dispute claim. On October 7, 2016, Ms*** contacted our Customer Service Department to dispute a transaction that posted to her account, because she stated 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 timeframe afforded under Regulation E. On October 24, we determined that Ms*** dispute claim was not eligible for a provisional credit, but we were continuing our efforts to investigate the claimA member of our Corporate Response Team, spoke with Ms*** on December 28. Our investigation was concluded on December 27, and we received supporting documentation from the merchant involved in Ms*** dispute claim that validated the transaction. We provided her with the dispute resolution and we recommended that Ms*** work directly with the merchant in regards to the services rendered. The results of our investigation will be mailed to Ms*** address on file 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 withWe 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

Tuesday, November 15, 2016To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning her dispute claim. Our November 5, 2016, Ms*** contacted us to report an unauthorized transaction that posted to her accountWe immediately blocked her card
to prevent any additional unauthorized use We opened a dispute claim and promptly began our investigation We also informed Ms*** of the investigation timeframe afforded under Regulation E.On November 10, we concluded our investigation of Ms*** dispute claim and issued full reimbursement for the disputed transaction to her account.A member of our Corporate Response Team spoke with Ms*** on November 15, and confirmed we reimbursed her accountWe also issued a courtesy credit to Ms*** account due to the poor service she received 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 TeamNetSpend A TSYS Company

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning her Optional Overdraft Protection Program (ODP)On April 16, 2016, the Optional Overdraft Protection Program was suspended on Ms***’ accountThe suspension ended on May and Ms
*** had access to ODP againUpon receipt of her complaint, we spoke to Ms*** on May 17, 2016, to discuss her ODPWe explained that her transaction was declined due to exceeding the ODP limitWe also reviewed her transaction history for any unauthorized transactions.Our records show that all of the overdraft fees associated with Ms***’ account were charged correctly in accordance with the Optional Overdraft Protection Program terms she agreed to on November 15, We apologize for the poor service that Ms*** experienced with our Customer Service DepartmentWe have reported this incident to the management staff of the customer service agents she spoke with.Ms*** has been provided our contact information should she have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern: Thank you for forwarding Mr***’s complaint to usAs you requested, we addressed this matter directly with Mr*** on March 1, 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, *** *** Customer Experience Analyst Netspend, 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 Mr*** *** was wonderful, he truly was understanding and efficient with handle my case I would like to say thank you Mr*** for taking the time to explain and removing the block from my card
Regards,
*** ***

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
Regards,
*** ***