Realcor Developments Ltd.

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning her disputes claimsOn April 11, 2016, Ms*** contacted us to dispute two ACH debit transactionsWe immediately opened two separate dispute claims and began our investigationOn April
27, we received documentation from Ms*** for claim *** and issued a credit for the disputed amountWe did not receive any documentation for claim *** and it was closed as no error foundUpon receipt of her complaint, we spoke with Ms*** on April and assisted her with contacting the merchant that was charging her accountWe also placed the stop payment on her account for that specific merchant and amountWe have provided Ms*** with 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 his card activationWe are required by the USA PATRIOT Act to obtain, verify, and record information that identifies each person who opens a card account with usWhen 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 purchaseThe card package also states that use of the card is limited prior to identity verification and the fees are listed on the outside cover for viewing before purchasingOn June 3, 2016, Mr*** attempted to activate a new NetSpend cardBecause the physical street address he provided was a hotel, we required identity documents to verify his information on the accountWe received Mr***’ documents and approved his account on June 4.Upon receiving his complaint, we spoke with Mr*** on June to assist with his card useDue to the issues Mr*** experienced with his card activation, we issued a courtesy credit to his accountWe have 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 the inconvenience that
her daughter experienced while attempting to activate the NetSpend card that
was purchased for her. She’s
requesting immediate access to the funds that was
loaded onto the NetSpend card
for her daughterTo
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, including a notice that the customer must be at least years old
to use the NetSpend prepaid debit card. Ms
*** purchased the NetSpend card on August 24, Our system
automatically blocked the activation because the information provided indicated
that the cardholder was under the age of eighteen. The one fax that we received from Ms***
on August 31st was not legible, and consequently, we were unable to
approve the activation of the account. Ms*** requested a refund check for the funds that were loaded to her
card. We mailed the check in Ms
***’s daughter’s name on September 3rd, to the address on the
account. We
spoke with Ms*** on October 19th, and she confirmed that the
refund check was never receivedWe’ve updated her information, and will be
reissuing the check under her nameThe refund check will be mailed to Ms
*** by October 23rd. NetSpend
regrets the inconvenience that Ms*** experienced while attempting to
activate the NetSpend 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 *** ***Ms*** states that four direct deposits from AIG did not post to her NetSpend cardShe’s requesting to be reimbursed for the deposits in question.On August 11, 2015, we reached out to Ms*** by
telephone and emailThe trace numbers that she provided for the missing deposits could not be located in our systemsWe’ve confirmed that the deposits were not sent to NetSpendWe recommend that Ms*** verifies her NetSpend account and routing numbers with the originator of the direct deposits in order to determine where her deposits wentNetSpend regrets the inconvenience Ms*** experienced as a result of not having access to her direct depositsWe have provided her with 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 a rebuttal complaint # *** filed with your office by *** ***Mrs*** states that she is not accepting our responseOur response remains the same, on April 8, 2015, Mrs*** called to report she never received the card we rushed to her address by UPSShe disputed all items that were purchased with that cardSince this was a new account, the disputes claim update would be given in business days, May 6thOn the twentieth business day, we closed the disputes claim with no error foundA disputes closure letter was mailed out to Mrs***We have also mailed the documents used to arrive at our decision on June 24thNetSpend regrets the inconvenience that Mrs*** experienced with the reported theft of her moneyWe have provided her our contact information should she have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Friday, March 3, 2017To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning a NetSpend Small Business Card Account offer he received in the mail under his wife’s name. NetSpend 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 us.The offer is not active and cannot be used unless activatedDuring activation, NetSpend verifies the identity and business of the person activating the offer to ensure that the Card Account offer can only be used by the intended recipient If the recipient cannot be verified, then the offer cannot be activated.A member of our Corporate Office spoke with Mr*** on March 2, to discuss the Card Account offers he received We permanently blocked the Card Account offer and have also removed his wife’s name and address from our mailing list Additionally, we have submitted a request to our Marketing Department to provide information concerning how her name and address were obtained.We have provided Mr*** with our contact information should he have any additional questions or concerns Thank you,*** ** ***Senior Customer Experience Specialist Netspend, a TSYS Company

To Whom It May Concern: Thank you for forwarding Mr***’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 Mr***’s dispute claim and complaint that reimbursement was not providedAfter review, we’ve determined that his claim was handled correctlyAs you requested, we addressed this matter directly with Mr*** on October by way of e-mailWe provided him with further insight on the dispute processThank you for bringing this matter to our attentionThank you, *** *** Customer Experience Analyst Netspend, a TSYS Company

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning the block placed on his 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 them. The 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 During routine monitoring, we placed a temporary restriction on Mr*** account on December 23, 2016, because we detected suspicious activity. In order to remove the restriction, we requested Mr*** to provide us with copies of his document to verify his identification A member of our Corporate Response Team spoke with Mr*** on January 9, regarding the temporary block on his account. Mr*** was able to use his card for in store purchases and then requested to have his card account closed. A refund check for the remaining funds will be mailed to the address on we have on file. Mr*** should receive the check within business days. 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

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 recipient. If the recipient cannot be verified, then the offer cannot be activated A member of our Corporate Office spoke with Ms*** on March 2, to discuss the card offer she received. We permanently blocked the card offer and have also removed Ms***’s name and address from our mailing list and she should not receive any future offers from any NetSpend managed programs. Additionally, we have submitted a request to our Marketing Department to provide information concerning how her name and address were obtained. We will provide Ms*** with this information as soon as it’s received We have provided Ms*** with our contact information should she have any additional questions or concerns. Thank you, *** ** ***l Senior Customer Experience Specialist Netspend, a TSYS Company

To Whom It May Concern: Thank you for forwarding Ms***’s complaint to usWe validated that Ms***’s card is no longer active and cannot be used for additional unauthorized transactionsWhen 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 complaint concerning the time period to resolve her claimAfter review, we’ve determined that her claim is being handled correctly based on the timeframes provided by Regulation EAs you requested, we addressed this matter directly with Ms*** on October 20, by way of telephone and e-mailWe provided her with further insight on the dispute resolution processThank 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 contacted the company and still did not receive any help the card I purchased from the store is *** *** *** *** the guy told me he never activated cause of it going thru my son's account and the fact I couldn't change the info when I purchased the cardthan to make matters worst I paid $and I will only receive $back after they rob meI am so disgusted with this company
Regards,
*** ***

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a block on her account On January 12, 2017, Ms*** received a merchant refund from Micro CenterA systemic block was placed on the account because the refund did not
correspond with any debits posted by the same merchantWhen 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 Processing RulesFor security reasons, the card account also remains blocked until we receive the original purchase receipt and can validate the refund A member of our Corporate Response Team, reached out to Ms*** on January 16, to discuss the documentation we received, but have not had the opportunity to speak with her. We sent email correspondence to Ms***, which she corresponded to by sending the original purchase receipts from Micro Center. Our Risk Management Team reviewed the documents Ms*** submitted and the block was remove on the evening of January 17. Our records show Ms*** gained access to her funds after that. 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 *** ***Ms*** states that she disputed unauthorized charges that were stolen by someone she trustedShe wants the funds refunded to herOn March 27, 2015, Ms*** reported her card as stolen
and she disputed charges as unauthorized by herWe updated her disputes claim on April 9th with no error found and no provisional credit issuedWe concluded our investigation and closed the claim on April 23rdThe disputed transactions were performed at establishments that normally occurred in the account historyThe same card was used during the disputed time period for charges that were authorizedThe Personal Identification Number (PIN) was used for the transactionsWe have mailed a disputes closure letter to Ms***’s addressWe suggest that she contact the authorities to report the individuals responsible for the theftNetSpend regrets the inconvenience that Ms*** experienced with the misuse of her cardWe have provided her our contact information should she have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Wednesday, November 15, To Whom It May Concern: Thank you for forwarding Mrs*** ***’s complaint *** to usAs you requested, we addressed this matter directly with Mrs*** on November 7, by way of telephoneWe informed Mrs*** by email 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

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,so
***-*** *** Hello we were without power and utilities due to Hurricane Irma, they have allowed activation of the card and we have done so so the account is clear of objections and the 70.00$ has been obtained.. Thank you all for your involvement

Wednesday, March 28, To Whom It May Concern: Thank you for forwarding Mr*** *** complaint *** to usAs you requested, we addressed this matter directly with Mr*** on March 28, by telephoneWe emailed him the actions taken to resolve his 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

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a transaction that was declined on her accountShe’s requesting that NetSpend allows the transaction to post to her accountThe Overdraft Protection Program is an optional service made
available to eligible NetSpend Premier CardholdersIf the available account balance is overdrawn beyond the $purchase cushion, we will charge a $fee for each transaction that draws the account further into the negativeIf the account is funded and brought to a $or positive account balance within hours, the overdraft fee will be waivedThe maximum overdraft allowed is $including the fees. On December 22, 2015, the balance on Ms***’s account was $The next day three charges were deducted from her available balance: *** for $6.95, *** *** for $472.91, and ***r for $The last transaction incurred a $overdraft fee, resulting in a negative balance of $Since the maximum amount that can be overdrawn under the Overdraft Protection is $100, Ms***’s account could only incur an additional $transactionWe reached out to Ms*** by telephone and email on January 4, 2016. We have not had the opportunity to speak with her, but will address her concerns when she returns our callNetSpend regrets the inconvenience that Ms*** experienced with the Overdraft Protection ProgramWe 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:
Nothing has been done, I still don't have my card and am told there is no way for me to get my money; I sent the proper paperwork to have a credit which I was supposed to already have and yet to have anything! I need my money!!
Regards,
*** ***

Wednesday, November 30, 2016To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning her dispute claim.On October 30, 2016, Ms*** contacted us to dispute transactions from MOTEL that posted to her accountWe opened a dispute claim
and promptly began our investigation We also informed Ms*** of the investigation timeframe afforded under Regulation E On November 14, we determined that Ms***’ dispute claim was not eligible for provisional credit, due to the nature of her dispute with the merchant, but we are continuing our efforts to investigate the claim. A member of our Corporate Response Team spoke with Ms*** on November 30, regarding her claimWe advised Ms*** that the merchant provided documentation that validated the transactionsWe have provided Ms*** with a copy of the documentation received from the merchant We apologize for the misinformation that Ms*** received regarding the timeframe in which she would receive an update on her dispute claim 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 the transfer of funds from her Card Account. On February 18, 2017, Ms*** contacted our Customer Service Department to transfer funds from her Card Account ending
*** to her Fiancé’s Skylight Pay Card Account. We assisted Ms*** with the transfer of $8.15. Ms*** contacted Customer Service on February 27, to initiate another transfer, but was informed the transfer could not be completed because of the different card brands. A member of our Corporate Office contacted Ms*** on March to explain why the transfer could not be processed. As a courtesy, we have reimbursed her the transaction fees she was charged From February to current. We apologize for the poor service that Ms*** experienced with our Customer Service Department. We have reported these incidents to the management staff of the customer service agents she spoke withWe are also in the process of reviewing our policy concerning transferring funds between different card brandsWe will contact Ms*** if we are able to allow this functionality in the future We provided Ms*** with our contact information should he have any additional questions or concerns. Thank you, *** *** Senior Customer Experience Analyst NetSpend A TSYS Company