Realcor Developments Ltd.

Wednesday, May 31, 2017To Whom It May Concern:Thank you for forwarding Ms*** complaint to us. As you requested, we addressed this matter directly with Ms*** on May 31, by way of telephone If 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 concern.*** ***Customer Experience Analyst Netspend, a TSYS Company

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Mr*** states that he is looking for two paychecks that have not showed up on his new cardHe wants his money returned as soon as possibleOn July 9, 2015, a member of the Customer Response Team
spoke with Mr*** about his account depositsWe explained that a cash deposit was made on May 11thNo direct deposits have been presented for posting on the accountWe followed up with Mr*** on July 16th, and he informed us that his problem has been resolvedNetSpend regrets the inconvenience Mr*** experienced while waiting on his direct depositShould he have any additional questions or concerns, he can call toll free *** Thank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning an unauthorized transaction. A member of our Corporate Response Team reached out to Ms*** on September 8, to discuss an unauthorized transaction from MUSIC AND ARTS CENTER that
posted to her account on a previous card she had blockedWe immediately opened dispute claim and began our investigationWe also informed Ms*** of the investigation timeframes afforded under Regulation E We issued a provisional credit to Ms*** account on September 9, while we continued our investigation of her dispute claim The claim is scheduled to be finalized by the end of the day on October The results of the investigation will be sent to Ms*** in writing within business days of completing our investigation.At the request of Ms***, we have reopened her account and are expediting her a replacement card at no additional charge.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 TeamNetSpend A TSYS Company

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning the suspension of her Overdraft Protection Program. Upon receipt of her complaint, we reached out to Ms*** on June 1, and explained the Overdraft Protection Program in detail Ms*** will be eligible to re-enroll in the Overdraft Protection Program on August 6, as long as all of the eligibility requirements are met 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 a NetSpend card she was unable to activate and use. 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 them. This information can be found on the outside of our card packaging and at the website, www.netspend.com. On March 2, 2016, a friend of Ms*** attempted to activate a card she gave him as a gift, but it did not approve automatically. Our Customer Service informed him that we would need identity documents to manually approve the account. Since he was unable to activate the card, he returned it to Ms***. We spoke with Ms*** on April 6th and requested documents to update this card / account with her information. The next day, the account was updated and it automatically approved. We contacted Ms*** by telephone and instructed her to activate the card for use. NetSpend regrets the inconvenience that Ms*** experienced with the attempted activation of her card. We apologize that she was unable to speak with a live person when she was trying to switch account information. We 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

Complaint: ***
I am rejecting this response because:I still request some form of compensation for the hardship I enduredThis company and their inaccurate information that was provided is still highly unacceptable by any meansBeing such a well known and popular company I would expect a little courtesy when dealing with such a big error that is their faultI request an amount to be offered from he company to show their true apologies and to take responsibility for their mistakeAnd I still haven't received my funds
Regards,
*** ***

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a NetSpend Prepaid MasterCard she received in the mail NetSpend relies on affiliate marketing services as a source for reaching potential new customers and card
offer recipients’ information is acquired through these business relationshipsA consumer’s name and address is provided to the affiliate marketing service when the consumer opts in to receive offers and marketing materials from the third party, as well as any third party with whom they may share the informationBecause NetSpend feels strongly about customer privacy, we only contract with marketing affiliates that have collected the information from willing consumers years of age and older and have received permission to share it with us The offer is 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 Customer Experience Team attempted to reach out to Ms*** regarding the card she received, but unfortunately, we have not been able to speak with herAt her request, we permanently blocked the card offer and removed her information from further marketing offers for NetSpend products 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 inconvenience of attempting a withdrawal of funds with *** *** that declinedShe wants an apology from NetSpend, ensuring that she won’t have this issue again On
December 10th 2015, Ms*** attempted a funds withdrawal at *** ***Our records show that NetSpend approved the transaction, however *** *** declined the withdrawalIt is unknown why the bank did not approve the withdrawalMs*** has since been able to successfully withdraw her funds from *** ***I spoke with Ms*** on December 22nd to address her concerns and apologize for the inconvenience that she experiencedAdditionally, I will review the call recordings to confirm the information that our customer service provided her withUpon reviewing the call recordings, we’ll be sure to take the appropriate actions, as it’s important that our customer service provides accurate information to our cardholder’s. We apologize for the inconvenience that Ms*** experienced while attempting the withdrawal of funds from *** ***I have provided her with my contact information should she have any additional questions or concerns Thank you,*** ***Corporate Customer Response TeamNetSpend A TSYS Company

Friday, September 29, To Whom It May Concern: Thank you for forwarding Mr***’s complaint to usAs you requested, we addressed this matter directly with Mr*** on September 29, by way of e-mailThank you for bringing this matter to our attention and giving us the opportunity
to resolve our cardholder’s concern*** *** Customer Experience Netspend, A TSYS Company

Friday, December 29, 2017To 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 correctlyWe attempted to reach Ms*** by telephone on December 27, and 29, 2017, but unfortunately we were unable to speak with her. The email we sent to Ms*** outlined our actions to resolve her complaintMs***’s case has been assigned to Corporate Response Team Analyst, ***. Should Ms*** contact our Customer Service Department, we have left notes on her account for her to be connected with *** to further assist her with this matter. Thank you for bringing this matter to our attention.Thank you,*** ***Customer Experience Specialist Netspend, a TSYS CompanyTell us why here

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Ms*** states that her card was blocked due to fraud on a prior accountShe wants the funds she loaded to the card plus the price to purchase the cardOn July 14, 2015, we spoke with Ms
*** concerning her recent card purchaseWe informed her that NetSpend manages the PayPal Prepaid MasterCardWe explained that she is no longer eligible for NetSpend servicesHer check for $will be mailed to her address on July 17thNetSpend regrets the inconvenience that Ms*** experienced while attempting to activate her cardShe has been given my contact information should she have any further questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Tuesday, December 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 November 28, by way of telephoneWe informed Ms***-*** by email of our actions to
resolve her complaint on the same dayThank 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 a 15% hold added to her car rental. She’s requesting the additional hold to be refunded to her card balanceOur cardholders can use their NetSpend card at car rental and storage
agencies that accept prepaid cards; however, a 15% deposit, in addition to the cost of the rental, is generally required. Once the merchant collects for the cost of the rental, the additional deposit amount will be released back into the account, minus any fees charged. On February 16, 2016, Enterprise Car Rental charged Ms*** card $498.73. The next day, Enterprise collected $and the additional hold amount of $was returned to Ms*** card balance automatically. At *** we provide useful information regarding card usage under ‘Using Your Prepaid Card’. We reached out to Ms*** on February 18th by telephone and email, but unfortunately, we have not had the opportunity to speak with her. We will address her concerns when she returns our call. NetSpend regrets the inconvenience that Ms*** experienced as a result of the car rental hold. We 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

Thursday, August 10, To Whom It May Concern: Thank you for forwarding Mr*** ***’ complaint # *** to usAs you requested, we addressed this matter directly with Mr*** on August and 10, by way of telephoneWe sent Mr*** an email detailing the actions taken on
his account to resolve his concerns on August 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

Monday, July 24, To Whom It May Concern: Thank you for forwarding Mr*** *** complaint # *** to usNetSpend relies on affiliate marketing services as a source for reaching potential new customers and Card Account offer recipients’ information is acquired through these business
relationshipsA consumer’s name and address is provided to the affiliate marketing service when the consumer opts in to receive offers and marketing materials from the third party, as well as any third party with whom they may share the informationBecause NetSpend feels strongly about customer privacy, we only contract with marketing affiliates that have collected the information from willing consumers years of age and older and have received permission to share it with usAs you requested, we addressed this matter directly with Mr*** on July 24, by way of telephoneThe email we sent Mr*** outlined our actions to resolve his complaintWe have removed Mr*** name and address from our mailing list and he should not receive any future offers from any Netspend managed programsWe also submitted a request to our Marketing Department to provide information concerning how his name and address was obtainedWe will provide Mr*** with this information when it is receivedThank 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 *** *** *** states that his deposit was put on Brinks Money Card managed by NetSpendHe wants a refund of $placed on his cardOn May 15, we contacted *** *** about the deposits
on his Brinks CardHe received the account history that we faxed to him on May11thHe expected a deposit from the Social Security Administration (SSA) on April 1st, but it was not on the statementNetSpend never received a deposit from SSA US Treasury to *** ***’ cardThe pre-note from SSA did not come to the account until April 14thThe sender of the Automated Clearing House (ACH) deposits will use the pre-note to confirm an active account before sending the actual depositThe first deposit received from SSA was posted to his account on April 28thWe confirmed this information with him during the callNetSpend regrets any inconvenience *** *** experienced while waiting on his ACH depositShould he have any additional questions or concerns, he can reach us at ###-###-####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 October 26, 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 *** *** concerning her claim that was closed with no credit being issued to her account She’s requesting to receive credit for the disputed transactions On February 21, 2016, Ms*** contacted
Netspend to open a claim for transactions that she stated were overchargedOn March 4th, upon investigation of the transactions, our Disputes Team closed her claim with no credit being issued to her account.On March 7th, I spoke with Mr*** to address her concernsI sent her an email requesting that she send her original purchase receipts that would reflect her being overcharged for further reviewMs*** understands that if we do not receive the receipt copies, her claim will remain closed.We apologize for the inconvenience that Ms*** experienced regarding the outcome of her claim 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 *** *** concerning a Netspend card she purchased 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 usThe
requirement to obtain this information is displayed on the inside flap of the card package and is visible to consumers prior to purchaseThe card package also states that use of the card is limited prior to identity verification and that it is not a gift card.The card packaging also contains important information that notifies the consumer of the most common fees associated with using the card and maintaining the account, including balance inquiry and purchase transaction fees This information is fully disclosed in the Cardholder Agreement and is also available on our website.On May 28, 2016, Ms*** purchased a Netspend card and loaded $ Ms*** contacted our Customer Service Department on July to discuss the fees that were applied and requested to close the account in order to receive her funds back immediately.A member of our Corporate Response Team spoke to Ms*** on July to discuss the options available for retrieving her fundsWe advised Ms*** that her account information was verified and approved, so she had full use of the card in order to access her funds The same day, she was able to make a purchase and access all of her funds As a courtesy, we have reinbursed her for purchase price of the card and the transaction fee.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 a card she is unable to activate unless she sends identity documents She’s requesting to activate her card to use her tax refund.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 a NetSpend card to on March 1, to access her tax refund, but additional information was needed to fully approve her account Our Customer Service requested for her to send identity documentsAfter review of her documents, we approved Ms*** as a user on the accountUnfortunately, because we were unable to approve her documents until after the settlement date, her tax refund was returned back to the sender. On February 2nd, I spoke with Ms*** to address her full concerns.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