Realcor Developments Ltd.

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning her dispute claims and the fees associated with her NetSpend cardOn the outside of the card packaging, we inform all prospective customers about fees associated with the card and
that the temporary card expires days after purchase. The most common fees for using the card and for maintaining the account, including account maintenance fees and transaction 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 consumersThis information is also available on our website On September 24, Ms*** logged into her online account center and reported a transaction that posted to her account that she did not recognize. We promptly opened a dispute claim *** and began our investigation. We also informed Ms*** of the investigation timeframes afforded under Regulation E for a new account A member of our Corporate Response Team reached out to Ms*** on September to explain the dispute resolution process and discuss feesMs*** informed via email communication that there was another transaction that she was overcharged by the merchant, we opened another dispute claim *** on September Ms*** requested to close her account on September and we informed her we will continue with the investigation of her dispute claims. Claim *** is scheduled for an update on October 24, and her claim *** is scheduled for an update on October 27. As a courtesy, we have reimbursed Ms*** for all the fees she was charged while using the account We have provided Ms*** with our contact information should she have any other questions or need any further assistance. Thank you, *** *** Corporate Customer Response Team NetSpend A TSYS Company

To Whom It May Concern: We received additional comments on complaint # *** filed with your office by *** *** concerning her dispute claim We appreciate Ms***’s additional comments concerning her dispute claim. We informed Ms*** of the investigation timeframe afforded under Regulation E. Her dispute claim is scheduled to be finalized on January 6, 2017. A member of our Corporate Response Team attempted to reach Ms*** on January 4, regarding her dispute claim however, we have unfortunately been unable to speak with herWe provided the dispute claim timeframe to Ms***’s email address. We concluded our investigation of Ms***’s dispute claim and provided full reimbursement for the disputed transaction on January 06, 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 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 a rebuttal complaint # *** filed with your office by *** ***Mr*** states that the federal government always issues direct deposits on the same dates, and he wants to receive his direct deposits to his NetSpend account within days of each depositThe originator of the direct deposit determines when the direct deposit should be sent to NetSpendAs soon as NetSpend receives the direct deposit file from the originator, the deposit immediately posts to the cardholder’s accountWe are unable to control when the direct deposits files are received by NetSpendIt is dependent on when the originator sends the files.We regret any inconvenience that Mr*** has experienced while waiting for his deposit to postShould he have any further questions or concerns, he can reach us at ###-###-####Thank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern:We received complaint # *** filed with your office by *** ***The owner of the company states that he was not able to use his Employee Identification Number when attempting to activate the card he purchasedHe wants the money he placed on the cardTo 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, 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 cardThis information is displayed on the outside of our card packagingOn June 18, 2015, we spoke with the owner of the *** *** company about the card he purchasedWe had already converted the card to a limited use status so he could complete a transactionWe informed him that NetSpend does not have business accountsThe remaining money on the card is being sent to him in a checkNetSpend regrets the inconvenience that the owner of *** *** experienced while trying to activate the cardIf he has any further questions or concerns, he can call us at *** Thank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Friday, April 14, 2017To Whom It May Concern:We received additional comments regarding complaint # *** filed with your office by *** *** concerning her dispute claim and funds recovered from her Netspend Card Account. On March 31, our Recoveries Department collected the negative balance from the Card Account ending in *** due to the outstanding balance on Card Account ***The Card Account ending in *** was unblocked and Ms***’ remaining funds were transferred so she would have access to the available balance We completed our investigation of Ms***’ dispute claim *** on April 13, and provided full reimbursment for the disputed transactions A letter detailing the results of the investigation will be mailed to Ms***’ address on file within the next three business daysWe also ordered a new card on Card Account ending in ***, so Ms*** can have access to the reimbursed funds She will receive the new card in 1-business days A member of our Corporate Office called and emailed Ms*** on April 12, but unfortunately, we have not had the opportunity to speak with her We will ensure that Ms*** received the transaction information that caused the negative balance on Card Account ending in *** when she contacts us back We have provided Ms*** with our direct contact information should she have any additional questions concerning this matter Thank you,*** ** ***Corporate Customer Experience TeamNetspend, a TSYS Company

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Mr*** mentions a 15% fee hold for each transaction on his cardHe requests that his money be returned back to his accountWhen using the Brinks Prepaid Debit Card at restaurants, hotels,
car rentals and similar purchases, there is a 15% hold placed on the card in addition to the amount of the purchaseAutomated fuel dispensers can also preauthorize up to $for gas transactionsWhen the collection is made by the merchant for gas, car rental, hotel stay, or restaurant purchases, the holds are released back to the card balanceThe NetSpend card fees and other card usage disclaimers can be found in the terms and conditions provided with the cardThese terms can also be viewed hours a day at the online website, www.brinksprepaidmastercard.comWe attempted to reach Mr*** by telephone and email so we could provide the information on card transaction feesThere are no holds on his account at the present time as all hold amounts were released to his card balanceWe will assist him further when he returns our call or emailNetSpend regrets the inconvenience that Mr*** experienced while using his cardHe has been given my contact information should he have any further questions or concernsThank you,
*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: ***
I am rejecting this response because: They are lying and everyone is letting them get away with it I am not being handled correctly I have the Revdex.com and FTC involved and they ignore all
Regards,
*** ***

Complaint: ***
I am rejecting this response because: I was lied to by the first representative I spoke to regarding the $11.61. And the last representative I spoke to was very rude, and did not listen to what I wastelling him
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,
*** ***

To whom it may concern: Thank you for forwarding Ms*** complaint to usWe reviewed Ms*** account and determined her address was updated on June 13, 2017. Our records show a replacement card has been ordered and shipped to the updated address. As you requested, we
attempted to reach Ms*** on June 14, by way of telephone and e-mail. Unfortunately, we were unable to speak with Ms***. We sent Ms*** an email outlining out actions to resolve her complaint. If 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 *** *** concerning a block on her account that was caused by a merchant refundShe’s requesting access to her funds. Our Fraud Prevention Team regularly monitors account activity in order to
provide a safe and secure product for all of our cardholdersOn December 14, 2015, a systemic block was placed on Ms***’s account after *** *** credited her card $We accepted a partial credit for a previous debit transaction that occurred on Ms***’s cardThe remaining amount of the credit is pending to be returned to the senderIn the event that a refund takes place on a NetSpend account with no corresponding debit, it’s our policy to request a copy of the original purchase receipt in order to authenticate the refundThis policy is in accordance with our responsibilities under the MasterCard processing rulesThe merchant can also reverse the credit and issue the funds to Ms*** by another method of reimbursement. A third option would be for the merchant to send a Letter of Indemnity to NetSpend so that the funds can be returned to the originatorThe originator would then apply the credit by other means. On December 23rd, we spoke with the merchant, *** *** and advised them of an acceptable indemnity letterOnce the letter is received, we will return the pending reimbursement back to them. NetSpend regrets the inconvenience that Ms*** experienced as a result of the block on her accountShe has been provided my contact information should she have any further questions or concernsThank you, *** ** *** Corporate Customer Response Team NetSpend A TSYS Company

Complaint: ***
I am rejecting this response because:
II spoke with Mr Campbell and now I can't get him to answer my phone calls to get a follow up on the dispute
Regards,
*** ***

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning the cards her family received as giftsMs*** expressed her dissatisfaction about the service she received.We understand that because the card was given to Ms*** as a gift, she may not
have seen the original card package which states “This is not a gift card” on the front of the package.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*** attempted to activate her card on December 27, Additional information was needed to fully activate her account, and our customer service requested for her to send us identifying documentsBecause Ms*** did not want to send us documents, a supervisor offered an option to convert her card to Limited Use status, and she accepted on December Limited Use allows funds to be dispensed from the NetSpend card at the point of sale, using PIN and Signature transactions onlyOnce the funds are dispensed, the account will close and the card can be discardedWhen the card is converted to Limited Use, it cannot be reversed.We have attempted to contact Ms*** via telephone and email but have been unable to speak with her. NetSpend regrets the inconvenience that Ms*** has experiencedWe 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 *** ***Ms*** states that she made a $gas purchase at the pump, but was charged $dollars on her NetSpend cardShe’s requesting to be reimbursed the differenceOn September 15, 2015, Ms
*** used her NetSpend card at the Valero gas stationA preauthorization amount of $was pending on Ms***’s account after the transaction was initiated Two days later, the Valero gas station collected $from MsWorrell’s account, and released the remaining $that was pendingWe’ve called and emailed Ms*** on September 24th, but have not had the opportunity to speak with herWhen she returns our call, we will relay this information to herPer the terms and conditions of Ms***’s account, it states: Automated fuel dispensers can also preauthorize up to $for gas transactionsWhen the collection is made by the merchant for gas, car rental, hotel stay, or restaurant purchases, the holds are released back to the card balanceTo avoid this from happening in the future, Ms*** should pay for the gas inside the gas station, and select the option to make a PIN transactionThis will avoid a gas preauthorization from occurringNetSpend regrets the inconvenience that Ms*** experienced with the gas preauthorizationWe have provided her our contact information should she have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: ***
I am rejecting this response because:I will consider the complaint resolved to my satisfaction upon receiving the checks described
Regards,
*** ***

Wednesday, September 20, 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 reviewed Ms***’s dispute claim and determined the investigation was handled correctlyAs you requested, we addressed this matter directly with Ms*** on September 15, by way of telephoneThree days later September 18, 2017, her claim received a provisional creditMs***’s dispute claim will finalize on October 17, 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 *** ***l concerning the inconvenience she experienced with the blocking of her account and the pending of her remaining fundsOur Risk Management Team regularly monitors account activity in order to provide a safe and secure product for all of our cardholdersOur Risk Management Team identified risk factors that led to the blocking of Ms*** account on March 18, 2016. Her account was notated with a request to send identification documents for further security verification. The next day, an email alert was sent to her from the Document Review Team stating the documents were accepted, but our Risk Management Team re-blocked the account requesting to speak with Ms*** Our Risk Management Team spoke with Ms*** on March 21st, and as a result of that conversation, her account was closed. She is no longer eligible for NetSpend services. Her deposit from the IRS was pended by our Risk Management Team and they requested a review from the Internal Revenue Service. The IRS will determine if the funds are returned to them, or released to Ms*** Her remaining funds, not including the tax refund, was mailed to her address on March 24thWe spoke with Ms*** on March 28th, and addressed her concerns. Once the IRS decision has been given, we will relay the information to her. NetSpend regrets the inconvenience that Ms*** experienced as a result of the blocking of her accountWe have provided her 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 March 23, 2017, Ms*** contacted our Customer Service Department to report several unauthorized charges that occurred on her Card Account.
We immediately blocked her card to prevent any further unauthorized use. We opened a dispute claim and began our investigation. Ms*** contacted us the following day to order her a replacement card. Ms*** contacted us again March 27, and was informed her dispute claim was not initiated A member from our Corporate Office spoke with Ms*** on March 29, and we initiated her dispute claim ***. We began our investigation and we also informed Ms*** of the investigation timeframe afforded under Regulation E. The next update for her claim will be on April 6. We completed our investigation on April 6, and provided full reimbursement for the disputed transactions and associated fees to Ms***’s Card account. The results of the claim will be sent to Ms*** in writing within business days of completing our investigation We are sorry to hear that Ms*** had a bad experience with our Customer Service Department. We have reported these incidents to the management staff of the customer service agents she spoke with to ensure that they receive appropriate coaching on our policies and procedures We have provided Ms*** with our direct contact information should she have any additional questions concerning this matter. Thank you, *** ** *** Senior Customer Experience Specialist Netspend, a TSYS Company

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning the fees associated with her new account On June 12, 2016, Ms*** ordered a NetSpend card through our websiteThe default fee plan is a Pay As You Go, if the
alternative monthly Fee Advantage plan is not selectedThe Pay As You Go fee plan charges a $fee for signature purchases and a $fee for purchase using the PIN. Ms*** elected the Premiere Monthly Fee Advantage Plan, which requires an account to receive at least $in direct deposits in a calendar month, in order to be eligible for this plan We received Ms*** first direct deposit of $on October 12, followed by her second deposit of $on October Ms*** became eligible for the Premiere Monthly Fee Advantage Plan as of October A member of our Corporate Response Team attempted to reach Ms*** to discuss the fees associated with her account, unfortunately, we have not had the opportunity to speak with her directly. We subscribed her to the monthly $Premiere Monthly Fee Advantage Plan on October 28, and as a courtesy, we refunded all the transaction fees she was charged since her account was opened. 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 provided Ms*** with our contact information should she have any additional questions or concerns. Thank you, *** *** Corporate Customer Response Team NetSpend A TSYS Company

Monday, March 21, To Whom It May Concern: We received complaint # *** filed with your office by James *** concerning a dispute claim that he has not received credit for. On May 21, 2016, Mr*** reported a transaction error through his online account
centerWe opened a dispute claim and promptly began our investigation. We also determined that he was not eligible for a provisional credit due to the nature of his dispute with the merchant On June 6, we concluded our investigation and we did not find that an error occurred Mr*** stated in his dispute letter that he would keep the merchandise from the disputed transaction. Upon receipt of his complaint, we reached out to Mr*** on June to discuss the outcome of his claimMr*** provided documentation showing that he returned the merchandise, but it did not contain sufficient details in order to continue our investigation. If Mr*** provides documentation confirming that the merchandise was returned and received by the merchant, we will reinvestigate his dispute claim 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