Realcor Developments Ltd.

Thursday, April 6, 2017To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning her dispute claim and funds recovered from her Netspend Card Account. On March 30, 2017, Ms*** contacted us to report two pending transaction from Experian
as unauthorized We immediately blocked the card ending with *** to prevent any further unauthorized charges We advised that Ms*** could purchase another Card Account and transfer her funds Ms*** purchased a new Card Account ending in *** and attempted to activate it later that same day on March Our system recognized that she had a previous Card Account ending in *** that had a negative balance and we automatically blocked the new Card Account until the issue could be resolved An email was sent to our Recoveries Department to review Ms***’ prior Card Accounts On March 31, our Recoveries Department collected the negative balance from the Card Account ending in ***The Card Account ending in *** was unblocked and Ms***’ remaining funds were transferred so she would have access to the available balance Ms*** also disputed the two transactions from Experian on March We promptly opened dispute claim ***, and began our investigation We also informed Ms*** of the investigation timeframe afforded under Regulation E Her claim is scheduled for an update on April A member of our Corporate Office spoke with Ms*** on April 3, and provided the transaction information that caused the negative balance on her prior Card Account ending in *** We are sorry to hear that Ms*** had a bad experience with our Customer Service Department We have reported this incident 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,*** ** ***Corporate Customer Experience TeamNetspend, a TSYS Company

Revdex.com:
In the future, I urge you to be more up front about how the account should be funded in order to qualify for the offerAt the present, your terms and conditions for the offer are still lacking that informationThat being said, thank you for doing the right thing and honoring the offer.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:We received complaint # *** filed with your office by *** *** II concerning his replacement cardDuring routine monitoring, we detected suspicious transaction activity and placed a temporary block on MrRamsey’s account on April 17, Mr*** contacted us
later that day to confirm that the card transaction was authorizedOur Risk Management Team determined that MrRamsey’s card information may have been compromised and we requested a new card by standard deliveryUpon receiving his complaint, we reached out to Mr*** on April to advise that another card order was expedited to his address on fileWe also apologized for the service that Mr*** experienced with our Customer Service DepartmentWe have reported this incident to the management staff of the customer service agents he spoke with.We understand how frustrating it can be to experience a block on your cardNetSpend is very committed to providing a safe and secure product.We 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 a block on her account that was caused by an unusual transactionShe’s requesting that NetSpend contact her instead of blocking her card for suspicious transactionsOur Fraud Prevention
Team regularly monitors account activity in order to provide a safe and secure product for all of our cardholdersOn December 5, 2015, a systemic block was placed on Ms***’s account due to an attempted transaction that required verification by our Fraud Prevention TeamThe card was blocked as a security precaution, and a replacement was ordered on December 12th after verifying Ms***’s addressMs*** has another active card that can be used while waiting on her replacement. We reached out to Ms*** on December 23rd, 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 block on her cardWe strive to protect our cardholder’s funds, and hope that Ms*** can appreciate our effortsShe has been provided with my contact information should she have any further questions or concernsThank you, *** ** *** Corporate Customer Response Team NetSpend A TSYS Company

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning the inconvenience that she’s experienced after filing a disputes claim for a merchant chargeShe’s requesting a refund for the disputed transactionOn February 5, 2016, Ms*** NetSpend
card was charge by All Checks Cashed for $200.00. The same day, she called our Customer Service Department to dispute the transaction. We informed her that an update would be provided within ten business days, February 22, Our Disputes Department updated the claim on February 9th with the final date of the claim, March 28th. No temporary credit was issued on this type of disputes claim. The claim was closed on February 25th as no error found on the disputed transaction, and no funds were reimbursed to the account. We spoke with Ms*** on March 2nd and she informed us that she intended to dispute the recipient of the Western Union transaction done by All Checks Cashed. That company did not give her the apartment she paid for. We explained the dispute process was against the merchant, as it shows on her transaction history, and not a third party that received the funds from Western Union. NetSpend has no knowledge of the Western Union transaction. We recommended that she file a police report so they can prosecute the responsible party. We have requested for our Disputes Department to send Ms*** the documents used to arrive at the conclusion on her claim. NetSpend regrets the inconvenience that Ms*** experienced with her disputes claimsWe 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 *** ***Ms*** states that her account was compromised times and she requested additional security features to be in place to prevent additional compromiseShe feels that NetSpend compromised her
informationMs*** is requesting to be refunded for the funds that were stolen from her account, as well as a written apology concerning the customer service that she received On July 17, 2015, we spoke with Ms*** and confirmed that she contacted the FTC for assistance with the identity theft The FTC will assist her with reporting this information to the credit bureaus and the police We also assisted her with the two disputes claims that she filed for the fraudulent transactions A provisional credit was issued for the first claim and we are sending her a refund check for the disputed amount on July 24th She will receive an update for her second disputes claim on July 27th, and at that time our Disputes Department will determine if she’s eligible for a provisional credit We’ve provided Ms*** with the instructions to send her letter of dispute for the second claim so that it will aid with the investigation of her claim We apologize for the customer service that was provided to Ms***We do not condone poor customer service at NetSpend, and will certainly review the recorded calls that recently took placeWe will take the appropriate actions if necessary after the calls are reviewed.NetSpend regrets the inconvenience that Ms*** experienced as a result of the compromises to her account She has been given 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 *** *** Mr*** mentions that he put funds on his card, but a transaction he attempted with DIRECTV was declined He’s requesting the transaction to be approved On March 1, 2016, Mr
*** attempted a transaction, using his temporary card, with DIRECTV that declined When DIRECTV attempted a second charge on his account, the balance was less than the requested amount due to the transaction fees associated with MrMorrison’s account These fees are described on the card packaging he purchased Mr*** proceeded to withdraw his funds that remained. On March 2nd, I spoke with Mr*** to address his concernsI also ordered a permanent replacement card to be expedited to him, as his first one was returned to Netspend.NetSpend regrets any inconvenience Mr*** experienced with the card transactionsWe have provided him with our contact information should he have any additional questions or concerns Thank you,*** ***Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: ***
I am rejecting this response because: It takes me less than minutes to call the merchant and verify that they never received the payment that was charged to my credit cardThe only "Update" given on my account after day was to say that you would not be dealing with my account for an additional daysIf I am able to verify that the merchant never received payment within minutes, I should not be forced to wait a full two months to get my money back from YOUYOU are holding my funds! There is nothing for the merchant to sayThey have no account to reference calling aboutTHEY DON'T EVEN KNOW WHO I AM !! There is no receipt number for the transaction, and since they never received payment, There is no reason for them to bother with the situationAgain, I can verify with one phone call that YOU are the only source holding my funds, There is no reason for you to withhold them for two months,, IF you even plan to return it the
Regards,
*** ***

To Whom
It May Concern:We received complaint # *** filed with your office by *** *** concerning the inconvenience
that she experienced with our customer service, when she inquired about charges
for two card orders. She’s requesting to
be reimbursed for the card orders.
On
November 20, Ms*** ordered a new debit card through the online account
center, *** There
was a $fee charged to her account for the card orderFive days later, Ms
*** ordered two more cards through the website, which incurred two additional
card order feesOn November 27th customer service credited one of
the $card order fees Currently,
there are no promotions on free cards orders for the NetSpend Turbo Tax
accounts. We
reached out to Ms*** by telephone and email on December 2nd, but
have not had the opportunity to speak with her concerning the card orders We will assist Ms*** with her concerns
when she returns our call. Additionally,
we apologize for the inconvenience that Ms*** received with our customer
service, and are currently reviewing the call recordings to determine the
appropriate actions that should be takenWe have provided her 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 his dispute claim. As you requested, we addressed this matter directly with Mr*** on April 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 concern. Mr*** has been provided our direct contact information should he have any additional questions concerning this matter. Thank you, *** *** Customer Experience Analyst Netspend, a TSYS Company

To Whom It May Concern:We received complaint # *** filed with your office by ***i *** concerning a refund for the remaing
funds on her closed account. She’s
requesting information about her refund New and
existing accounts are reviewed regularly by our Risk Management
Department in
efforts to prevent potential account compromising activity, and to ensure that
all account activity is compliant with regulationsMs***’ account was
blocked by our Risk Management Department on September 3, 2015, af* receiving
an email to report identity theftMs*** is no longer eligible for
NetSpend services. The remaining funds on
the account were removed so they could be returned to the US Treasury / VACP We received confirmation from the US Treasury
that they received those funds on October 1st. The VACP will make the determination regarding
who receives the remaining funds. On
November 20th, we spoke with Ms*** concerning the returned
funds. We provided her with the
information mentioned above. At her
request, we are verifying that the check we sent back to the US Treasury has been cashed. We will convey the information to her once
received. We also recommended that she
contact the Federal Trade Commission about the identity theft. NetSpend
regrets the inconvenience that Ms*** experienced with the blocking of
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

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning her dispute claim On July 22, 2016, Ms*** contacted us to dispute an unauthorized transaction that posted to her accountAt the time Ms*** contacted us, the
transaction was pendingWe immediately blocked her card to prevent further unauthorized activityWe advised Ms*** to please contact us when the transaction posts to her account so we can open a dispute claim for herOn August 18, Ms*** contacted us to open a dispute claimWe opened a dispute claim and promptly began our investigation. We also informed Ms*** of the investigation timeframes afforded under Regulation E. On September 1, we determined that Ms***’s dispute claim was not eligible for provisional credit, but we are continuing our efforts to investigate the claim A member of our Corporate Response Team spoke with Ms*** on September regarding her claimWe requested Ms*** send us a letter of dispute to assist us with our investigationWe received Ms***’s letter of dispute which describe merchandise she ordered, but did not receiveWe are continuing with our investigation and have advised Ms*** that we will provide her an update on her claim by the end of the day on October We apologize for the misinformation Mr*** received from our Customer Service Department concerning the timeframe for the investigation to be completedWe conduct our investigations based on the timeframe afforded under Regulation EWe have reported this incident to the management staff of the customer service agents she spoke with to ensure that this is addressed 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: Thank you for forwarding Ms*** ***’s additional comments regarding complaint *** to us We corrected Ms***’s dispute claim reason as a cancelled transaction on December 13, 2017. We have also escalated her concerns to our Disputes Management TeamWe reviewed the additional documentation and determined that Ms*** authorized the disputed transaction as part of her agreement with the merchant to repay a loan At this time, we consider this matter closedWe recommend that Ms*** continue to work directly with the merchant’s corporate office We informed Ms*** by email on December 19, of our actions to resolve her complaint. 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 missing funds in the amount of $6,200. He’s requesting for the money to be available on his NetSpend card immediately On January 30, 2016, Mr*** spoke with
customer service and was advised there are no deposits on hold or funds missing in the amount he described. Customer service went through each transaction with Mr*** and offered an account history statement. We were unable to provide Mr*** with the information he requested due to failed security. We attempted to contact Mr*** by phone and email, but we have not had the opportunity to speak with himWe regret any inconvenience that Mr*** experienced while trying to locate his money He has been given 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 usAs you requested, we addressed this matter directly with Ms*** on October 6, 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

Complaint: ***
I am rejecting this response because:I spoke with several different people no one could give me the same response, while also being very rude and hung up on meThe second supervisor told me I had choices to either have the balance from the account mailed to me or sent back to my employerWhen I asked if it was a way to 2- day ship the check to me is when she then hung on meAnd when I called back they told me she had already emailed the department and told them to send the check to my employer even though that was not what we had discuss.
Regards,
*** ***

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning the inconvenience that she’s experienced when filing a disputes claim for an unauthorized transaction that occurred on her accountShe’s requesting access to her funds.
On December 2, 2015, Ms*** opened a disputes claim through our online account centerHer claim was reviewed and reimbursed for the disputed amount on the tenth business day, December 16thIn an effort to protect NetSpend cardholders, our Risk Management Team regularly monitors their accounts in order to prevent compromising activity, or unacceptable account usageOur Risk Management Team identified risk factors that led to the blocking of Ms*** accounts on December 16, As a result of these risk factors, Ms*** is no longer eligible for NetSpend servicesA check was mailed to her address within business days of the account closure. We reached out to Ms*** by telephone and email on December 23rd to address her concerns, and provide her with an update on her disputes claim that was created on December 9th, but have not had the opportunity to speak with herNetSpend regrets the inconvenience that Ms*** experienced as a result of her account closureWe have provided her our contact information should she have any additional questions or concerns. Thank you, *** ** *** Corporate Customer Response Team NetSpend A TSYS Company

Thursday, August 25, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning the funds from her accountOn March 28, 2016, we received a Death Notification Entry from the Social Security Administration (SSA) informing us that the secondary
cardholder on Ms*** account had passed away on March The account was closed immediately and the remaining funds were placed on hold until reclamation has been received from the Social Security AdministrationIf a reclamation is not received after days, the funds can be released to the executor of the estate once appropriate documentation is receivedMs*** called on March to inquire about her accountWe informed her of the documents she would need to send that designate her as the executor of her husband’s estateOur Legal Department received the documents from Ms*** on April 5, but the reclamation period of days had not expiredOur Legal Department mailed a check for the remaining account balance to Ms*** address on August In response to her communication, a member of our Corporate Customer Response Team spoke with Ms*** on August 26, and explained that our Accounting Department voided the check she never receivedMs*** was able to access the remaining funds on August Ms*** has been provided 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 have returned every phone call and email.I have gotten either voice mail or no response.I received a text alert on Monday saying my card has been mailed.It is Friday, Four days later and I still haven't received it
Regards,
*** ***

Monday, January 30, 2017To Whom It May Concern:We received additional comments regarding complaint # *** filed with your office by *** *** concerning the pending transaction on her Card Account We appreciate Ms*** additional comments On January 20, we released the pending authorization of $back into Ms*** available balance She completed another transaction with MetroPCS for $on January 23. We have provided Ms*** with our contact information should she have any further questions or concerns Thank you,*** ***Corporate Customer Response TeamNetSpend, a TSYS Company