Realcor Developments Ltd.

Monday, March 5, 2018To Whom It May Concern:Thank you for forwarding Mr*** *** complaint *** to us. When a refund is received on a Card Account that does not correspond with a prior debit transaction on that Card Account, or a refund is received that exceeds the amount of the
original purchase transaction, it is our policy to request the original purchase receipt to authenticate the refund in accordance with our responsibilities under the Visa/MasterCard Processing Rules, or return the funds back to the merchant. As you requested, we addressed this matter directly with Mr*** on February 26, 2018, by way of telephone. 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 a block placed on his Card Account. During routine monitoring, we placed a temporary restriction on Mr***’s Card Account on February 10, 2017, because we
detected suspicious transaction activity. Mr*** contacted us later that day to confirm that the transaction was not authorized by him. We updated security information and ordered him a replacement card A member of our Corporate Office reached out to Mr*** on February 14, to explain why his card account was blocked and why we had to update his security information. We provided Mr*** with the tracking number for his replacement card. Our records show Mr*** received and activated his new card account on February 14. Mr*** was also able to reset his password and log into his online account center. We understand how frustrating it can be to experience unauthorized activity on your card account. NetSpend is very committed to providing a safe and secure product We apologize that Mr*** was provided incorrect information while speaking with our Customer Service Department. We have reported this incident to the management staff of the customer service agents he spoke with so they may receive appropriate coaching concerning any card account restrictions We provided Mr*** with our contact information should he have any additional questions or concerns. Thank you, *** *** Customer Experience Specialist Netspend, a TSYS Company

Thursday, October 5, 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 3, by way of telephoneWe informed Ms*** 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, *** ** ***Customer Experience Specialist Netspend, a TSYS Company

Thursday, December 8, 2016To Whom It May Concern:We received additional comments regarding complaint # *** filed with your office by *** *** concerning the suspension of her overdraft protection. We appreciate Ms***’s additional comments Because the Optional Overdraft Protection Program is an expensive service, we are required to monitor each Cardholder’s use of the program to determine if it is being used excessively, and to limit the amount of fees that are assessed to the Cardholder On November 9, Ms***’ Overdraft Protection Program was temporarily suspended The current Optional Overdraft Protection Program suspension ends on February 7, As long as she still meets the criteria for the Optional Overdraft Protection Program on that date, she will be able to use it again In response to her communication a member of Our Corporate Customer Response Team reached out to Ms*** on December 8, to discuss her Optional Overdraft Protection Program, but unfortunately, we have not had the opportunity to speak with her We sent her an email providing additional information about the Optional Overdraft Protection Program.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 As a courtesy, the decline fees Ms*** incurred were reimbursed.As a reminder, you may opt-out of Optional Overdraft Protection Program at any time by calling *** or by visiting www.netspend.com. 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

Monday, March 06, 2017To Whom It May Concern:We received complaint # *** filed with your office by Nicole *** concerning the activation of her Card 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 themThe requirement to obtain this information is displayed on the inside flap of the card package and is visible to consumers prior to purchase Our packaging also informs that the person activating the card must be at least years of age and that it is not a gift card We spoke with Ms*** on March and explained that when she attempted to activate her new Card Account on February 23, we were unable to verify her identity using the information she provided to us We asked her to provide copies of her identification documents to validate her identity and provided her with ways to send us the documentation Ms*** provided us with identifying documentation on March and the Card Account was activated Ms*** was able to access her funds that same day. 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 *** *** for *** *** concerning a card she has not receivedShe’s requesting to receive a NetSpend card in order to access her deposit On January 15, 2016, Ms*** ordered a new NetSpend card
while processing her tax refund through Turbo Tax She contacted us on February 10th, after her income tax refund posted to her account, to inform us that she did not receive her card A new card was requested using our standard delivery service However, upon Ms*** contacting us on February 17th, we ordered a card to be expedited to her address On February 22nd, I spoke with Ms*** to address her full concernsI provided her with the UPS tracking number that showed she should receive her card that same day.NetSpend regrets any inconvenience that Ms*** experienced while waiting to receive her cardShe 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 *** ***Ms*** states that she used her card to pay several merchants online, but the next bill did not reflect the paymentShe filed a disputes claim and heard nothing back from usShe wants her money
back and some answersOn May 26, 2015, we spoke with Ms*** about her NetSpend cardWe explained there are no attempted charges from *** *** or *** on the days she made online paymentsWe suggested that she confirm the card number used for those paymentsWe also confirmed that she received the disputes claim closure letter mailed to herThe claim was closed with no error found on May 11thNo funds were recovered for the disputes claimNetSpend regrets the inconvenience that Ms*** experienced with the charges on her cardWe 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 ATM funds he did not receive. A member of our Corporate Response Team has attempted to reach out to Mr*** on July 28, to review his account with him, unfortunately we have
not been unable to speak with himWe sent an email to the address provided and attached copies of his last months of account statements with us, showing there has been limited activity since April 02, We attempted to reach Mr*** again on August 5, at the phone number on file and left another voicemail Once Mr*** contacts us, we will be glad to review his account with him.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

To Whom It May Concern: We received additional comments regarding complaint # *** filed with your office by *** *** concerning a transaction on his PayPal Prepaid MasterCardWe appreciate Mr***’ additional commentsOn February 28, 2016, ***’s East sent a request to authorize a transaction of $on Mr***’ cardWe approved the authorization and held the funds in a reserve status for ***’s East to collect at a later timeBecause the authorization was never collected by ***’s East, the pending transaction was released back into Mr***’ available balance on March On March 22, ***’s East collected on the original authorization because it was previously approved, and this resulted in a negative account balanceWe regret to hear that Mr*** was unable to complete his Ebay purchaseBecause Mr*** called on April to report that his card was compromised, we immediately blocked the card to prevent any further useMr*** did not open a dispute claim for the ***’s transaction and we ordered him a replacement card on April Mr***’ account balance returned to a positive amount when we issued a courtesy credit to his account on July We provided the account transaction history for Mr***’ reviewWe have provided Mr*** with our contact information and will assist him further when he returns our callThank you, *** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Hello, I'm trying to respond to the notice sent to me about whether I accept or reject a response submitted by a company that I registered a complaint about, however it seems like your system is having issues with letting me do soSo, I'm attaching files with this email that support my reasons for rejecting their response for the following reason: as you can see from the files I have sent with this response, I, in fact, DID do exactly what was asked of me in order to satisfy their concernsIf more proof is needed, I will gladly provide it to youThese images are exactly the files that I sent to netspend to verify my addressThe screenshot is of the email netspend sent me, informing me what would be acceptable forms

To whom it may concern: Thank you for forwarding Mr*** ***’s complaint *** to us We reviewed Mr***’s account and our records confirm he has access to his online account center. We attempted to reach Mr*** on September 5, and 8, by
telephone and by email, but unfortunately, we were unable to speak with himWe sent Mr*** an email and outlined our actions to resolve his complaintWe included Mr***’s account history statements for His case has been assigned to a Corporate Customer 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 his 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

Complaint: ***
I am rejecting this response because: I have returned the phone call to Netspend with no reply I did receive a courtesy credit however it was not as a courtesy it is because I did not complete the transaction I finally received a copy of the merchants supporting information after requesting copies for several months The documents were not legible nor did it contain any of my information not even my phone # or email addressWhen unable to transfer from my savings I did not have to verify any additional information I was advised by the customer service rep that they did not know why I was unable to transfer from savings but corrected the problem And with the Walmart transaction I did not receive the credit as Netspend stated The initial transaction was performed as a credit when I returned the merchandise it was returned as a debit which credited the funds to the account but then debited the funds an it took several additional days for the refund however Walmart helped me with resolving the matter Netspend had not explanation It should not have taken Netspend over months to provide me with the requested documents form the merchant their data analyst cant read those documents to verify that I made that purchase and the information you can read has no information on me but my name as the cardholder Lastly, not until the Revdex.com complaint did Netspend follow up on this matter that has been going on since August 2016, the company would not respond to my emails of the dispute All has been satisfied my rejection is merely because Netspend responded with inaccurate information however it has since been resolved without Netspend and I speaking.
Regards,
*** ***

Friday, March 16, 2018To Whom It May Concern: Thank you for forwarding Mr*** complaint to us. When 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 Mr*** dispute claim and complaint that provisional credit was not providedAfter review, we’ve determined that his claim is being handled correctly. We attempted to reach Mr*** by phone and email on March and March 16, but unfortunately, we were unable to speak with him. An email was sent to Mr*** on March outlining our actions to resolve his complaint. His case has been assigned to a Corporate Customer Response Team Analyst, ***Should he contact our Customer Service Department we have left notes on his account for him to be connected with *** to further assist him with his 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

Thursday, February 16, 2017To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning the block placed on her Card Account. During routine monitoring, we placed a temporary restriction on Ms***’ Card Account on November 11, 2016, due to high
risk factors that were identified In order to remove the restriction, we requested Ms*** to provide us with copies of her documents to verify her identification The address Ms*** provided when activating her card belonged to her employer, so she requested the funds be returned to them On November 14, 2016, Ms*** requested her Card Account to be closed Our Risk Management Team requested a letter of indemnity from Ms***’ employer in order to return the remaining funds back to them In response to her communication, a member of our Corporate Office spoke with Ms*** on February 16, regarding her Card Account She informed us that she already provided the requested documentation After review, our Risk Management Team removed the restriction from Ms***’ Card Account We assisted her with reinstating her Card Account and Ms*** utilized her funds the same day. We have provided Ms*** with our contact information should she have any additional questions or concerns Thank you,*** ** ***Corporate Customer Experience TeamNetspend, a TSYS Company

Wednesday, June 21, 2017To Whom It May Concern:Thank you for forwarding Mr***’ complaint to us. We reviewed Mr***’ claim and determined that it was handled appropriately. We validated that Mr***’ card is no longer active and cannot be used for additional unauthorized
transactions We completed the investigation of Mr***’ claim on June 16, and issued full reimbursement for the disputed transactionsA new card was expedited to his address on file and our records show the card has been received and activated. We attempted to reach Mr*** by phone and email on June 16, but unfortunately, were unable to speak with Mr***We sent him an email outlining our actions to resolve his 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 Analyst Netspend, a TSYS Company

Thursday, December 7, To Whom It May Concern: Thank you for forwarding Ms*** ***’s additional comments regarding complaint *** to usAs you requested, we addressed this matter directly with Ms*** on December 6, by way of telephoneShe informed us that her concern was resolved November 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

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 accept the response and am grateful that Mr*** credited my account quicklyHowever, this has caused many problems that I will deal with in the futureMy cell phone, electric bill, and rent payment for my home were tied to that accountAlthough NetSpend did credit the $I paid for the orginal new card after they suspected suspicious activity, they still allowed the theft to occur days later, and somehow my security questions that I changed on April 29th (after the suspicious activity occured) were known to the person who caused the theftI did not give the new answers and questions to anyoneMy phone is still disconnected because I have late charges and bounced check charges I have to pay before they will turn it back onI appreciate that NS did give me a $credit to help pay for the late fees associated with my rent, but I am still trying to get on track after thisThis is happening much too often with NetSpendPeople are reporting these thefts every single daySo I do not agree with the statement that NetSpend does everything they can to provide a sage productAnd now, I'm not ever able to transfer funds from my card to another card because of thisI'm still dealing with the police, and police report...yet NS cannot release the name of the thief who caused this heartache....but somehow, something is going on at NS that the system released MY name and security questionsThat's not rightSo I do.accept their answer, but they need to put a stop to thisor people at least everyday going through this should be enough for them to figure out what in the world is going on, and maybe they should look at and rethink their security measuresI will be taking the $ off my card and using a bank from now on, after years of faithful service to NetSpend
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 meThank you for your help
Regards,
*** ***

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Ms*** states that she was hung up on by our customer service and was not transferred to a supervisor when she called about her depositShe’s request to haveher overdraft fee reversedOn August
6, 2015, we spoke with Ms*** and resolved her concernsShe identified which day she spoke with our customer service concerning her deposit so that we can further research what took place, and take the appropriate actions with our customer service if necessaryWe apologize for any unprofessional behaviorOur agents are trained to be courteous and informative to our cardholdersWe explained to Ms*** that NetSpend will post the deposits within the hour of receiving them from the senderWe advised Ms*** about our Anytime Alerts feature that automatically alerts our enrolled cardholders via text and/or e-mail when deposits are received, or when funds are dispensed from the accountNetSpend regrets any inconvenience Ms*** experienced while waiting on her depositWe have provided her with our contact information should she have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Tuesday, December 27, 2016 To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning a NetSpend Prepaid Visa Card Account he received as a gift. 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 on the inside flap of the Card Account package and is visible to consumers prior to purchase The NetSpend packaging also has important information that notifies the consumer of basic fees, including Account Maintenance Fees of $5.95, that are associated with the Card Account per month if there is no activity, such as a purchase, cash withdrawal, load transaction, or balance inquiry for daysThis information is also available on our website A temporary Netspend Card Account was purchased on June 12, 2016, at WALMART with $loaded onto itMr*** contacted our Customer Service Department on December to activate the Card Account, but the Card Account had already expired We advised Mr*** that we need to verify his identity information before a replacement Card Account can be ordered Mr*** did not feel comfortable providing his personal information and requested that we mail him a refund checkMr*** provided us with the name and address of a colleague to mail the refund checkMr*** should receive this check within business days.A member of our Corporate Response Team spoke with Mr*** on December We explained our product features to Mr***, and as a courtesy, we refunded his Card Account for the fees he was assessed We advised Mr*** that we are mailing him a second refund check for the fees that were chargedMr*** should receive this check with business days. 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