Realcor Developments Ltd.

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Ms*** states that her account was debited $because of a charged off accountShe wants the money returned as soon as possibleOn May 21, 2015, Ms*** attempted to activate a
new NetSpend cardOnce she provided her identifying information, our system automatically blocked the account, and recovered the negative balance for the previous account associated with her informationThe initial account that is associated with Ms***’s information was opted into our overdraft programOur terms and conditions state that our cardholders agree to pay any outstanding balances within days as a participant in the programThe initial account had an outstanding negative balance since October 6, Now that the negative balance has been recovered, Ms*** has access to her new accountNetSpend regrets any inconvenience that Ms*** has experienced while attempting to access her fundsWe 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 the
inconvenience that she’s experiencing with her disputes claimShe’s requesting
a refund for the disputed items. On
December 4, 2015, Ms*** disputed two charges from the
merchants, Modern Eye
for $and Renuskin for $94.57. She
informed our customer service that the charges were unauthorizedWhen Ms***
spoke with customer service, she was informed that an update would be provided within
business days, December 18th. On that day, our Disputes Department will provide an update on the
claim, and determine provisional credit eligibilityThe claim can take up to
days from the creation date to finalize, to allow the merchant reasonable
time to respond to the disputes claimWe spoke
with Ms*** on December 8th and conveyed the above information to
her. NetSpend understands that the
disputes process can take some time to resolvePlease know that we are working
diligently as possible in attempt to recover the funds for Ms*** and we
appreciate her patienceWe 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 that his son was unable to activate due to his residence being in Switzerland. He’s requesting the card to be activated so he can access his funds 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. Mr*** son attempted to activate a NetSpend card on January 17, 2016, but his information did not automatically approve and additional information was needed to fully activate his account. Our Customer Service requested for him to send identity documents in order to manually approve his account. Since he did not want to send in the required documents, the Limited Use option was offered to Mr*** as a method to obtain the funds on his accountLimited Use allows funds to be dispensed from the NetSpend card at the point of sale using PIN and Signature transactionsOnce 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 spoke with Mr*** on February 25th and he expressed his desire to have the funds sent to him by refund check because his son cannot use the card in the country where he resides. Since the card was registered in his son’s name, we required documents to change the account information. Once the required documents are received, we will be able to send a check in his name to the designated address. NetSpend regrets the inconvenience that Mr*** and his son experienced while attempting to activate his card / account. We have provided him with our contact information should he have any additional questions or concerns. Thank you, *** ** *** Corporate Customer Response Team NetSpend A TSYS Company

Wednesday, January 06, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a block that was placed on his account when he was attempting to activate his cardHe’s requesting a refund without submitting documentationOur Fraud
Prevention Team regularly monitors account activity in order to provide a safe and secure product for all of our cardholdersOn December 23, 2015, a systemic block was placed on Mr*** account after his personal information was collected. I spoke to Mr*** on January 6, and addressed his concernsNetSpend regrets the inconvenience that Mr*** experienced as a result of the block on his account. He has been provided my contact information should he 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 *** ***Mrs*** states that NetSpend refuses to refund $to her card because the merchant is issuing a creditShe wants the three charges refunded to her cardOn June 15, 2015, we spoke with Mrs
*** concerning the transactions on her accountShe used the card for three charges with Google SGN Games on June 3rdThat merchant never collected on those pending chargesThe transaction amount and fees were put back to the card balance that same dayWe apologized for the incorrect information provided to Mrs*** that day she calledNetSpend regrets the inconvenience Mrs*** experienced with the transactions on her cardShould she have any additional questions or concerns she can contact me at the information I provided herThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: ***
I am rejecting this response because: The federal government does not make people wait and days to get paidsince feb I have been under a sliding scale off when I get paidthis sliding scale is unacceptableI need my deposit to hold to the day waiting periodThis getting paid one month on the and then getting paid on the for the next month is not mean to get paidBefore Feb most of my pay came in a week before the date and then Netspend change the way that everything is paid outThey are stating that the federal government is they one paying like this nowIn my whole time getting federal government check dating back to my service time and receiving gi bill has never been paid like this this from month to monthI never had to wait over days to get paid unless for some odd reason that the pay day fell on on a weekend and then I will get paid on the Friday before Netspend for almost the whole time that I have been with them has always paid my government check a week in advance and no due to the sudden change I cant keep changing bill date to accommodate the way Netspend is disregarding my payThe keep saying that hte government is the one paying out this way but the government has not change the way that they payAnd as a side note I am also unable to get into my online account to show proof of the pay statementsI have question netspend about this in the past and it will work for a day then I am looked out completely againI am tired of having to pay late fees due them changing every month when I get paidThis has to stop
Regards,
*** ***

Wednesday, May 03, 2017To Whom It May Concern:Thank you for forwarding Ms***’ complaint to us. We reviewed Ms***’ Card Account and her monthly fee plan. We validated that Ms***’ Card Account was charged twice and we corrected the error We attempted to reach Ms
*** by phone and email on May 1, but unfortunately, we were unable to speak with herWe emailed her correspondence on May 1, outlining 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 Analyst Netspend, a TSYS Company

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning her dispute claim On November 10, 2016, Ms*** contacted us to dispute several unauthorized transactions that posted to her accountWe immediately blocked her card
to prevent any additional unauthorized use. We promptly opened a dispute claim and began our investigation. We informed Ms*** of the investigation timeframe afforded under Regulation E On November 28, we concluded our investigation with no credit being issued to Ms*** account because we did not find an error occurred. Based on our investigation, we have reason to believe that the transactions were authorized and that Ms*** benefited from the transactions. In response to her communication, a member of our Corporate Response Team reached out to Ms*** on November 29, to discuss the results of her dispute claimWe advised Ms*** that we have reviewed the claim using the information Ms*** provided us, and based on our findings, the claim was handled appropriately. A letter detailing the results of our investigation was mailed to Ms*** on November She will receive the letter within 3-business days 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

Wednesday, June 14, 2017 To Whom It May Concern: Thank you for forwarding Mr*** *** complaint # *** to us. At Netspend, Customer Service is one of our top priorities and we are sorry to hear about Mr*** experience We have reported this incident to
the management staff of the customer service agents he spoke with to ensure that they receive appropriate coaching on our policies and procedures.We attempted to reach Mr*** by phone on June 9, and June 14, 2017, but unfortunately, were unable to speak with himWe emailed him the details of his card replacement on June Mr*** received and activated his replacement card on June 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 *** ***Mr*** states that he received an unsolicited Brink’s Prepaid MasterCardHe does not want the card and does not intend on using itNetSpend works with third party marketing partners that provide us
with information for consumers who may need a service like our prepaid debit cardWe mail those consumers card offersThe card offer is not active and the card cannot be used unless activatedOur activation verifies the identity of each potential cardholder as a part of our Customer Information ProgramThis ensures that the card can only be used by the intended recipientDuring the offer activation, we collect social security number and date of birth to verify identity onlyThere is no credit check involved because our Prepaid Debit Card is not a credit cardOn July 1, 2015, we reached out to Mr*** by telephone and emailWe requested additional information so we could locate the card offer sent to himOnce we receive the information from Mr***, we will be able cancel that card offerWe will also update our system so no future cards will be sent to himWe regret any inconvenience Mr*** experienced as a result of this card offerHe has been given 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 her dispute claim. On December 31, 2016, Ms*** contacted our Customer Service Department to report several unauthorized transactions that posted to her Card
Account. We immediately blocked her Card Account to prevent any further unauthorized usage and ordered her a replacement card. We promptly opened dispute claim and began our investigation. We also informed Ms*** of the timeframe afforded under Regulation E. We concluded our investigation of Ms*** dispute claim on January 16, 2017, and no credit was issued because we did not find an error occurred. We have reason to believe that the transactions were authorized and that Ms*** benefited from the transactions A member of our Corporate Response Team spoke with Ms*** on February 2, and explained the results of her dispute claim. A letter detailing the results of our investigation was mailed to Ms*** address on file. 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

Tuesday, May 23, 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 17, 2017, by way of telephone, e-mail, or letterIf 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.Thank you, *** ***Customer Experience AnalystNetspend, a TSYS Company

Monday, April 9, 2018To Whom It May Concern:Thank you for forwarding Mr*** complaint to us. This type of product is intended for individuals who wish to have access to an electronic form of payment, but would like an alternative to a traditional bank accountThe most common fees for
using the card and for maintaining the account 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 consumers.We attempted to reach Ms*** by phone and email on April 6, but unfortunately, we were unable to speak with herWe sent an email to Ms*** on April outlining our actions to resolve her complaint. A refund check for the transaction fees that were incurred on Ms*** Card Account will be mailed to the address on file and received within business days.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

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Ms*** states we blocked her card due to a transaction she questioned with the merchant Redbox. On March 11, 2016, Ms*** contacted Netspend concerned about a transaction with
Redbox whom she has made previous purchases withOur Customer Service Department blocked Ms*** card for the security and protection of her accountA replacement card was ordered on March 11th with 7-business day delivery.On March 21st, I spoke with Ms*** to address her full concernsI ordered a card to be expedited to her address on file via UPSAt Ms*** request, once UPS provides the tracking number, I will provide it to her via email.NetSpend regrets the inconvenience that Ms*** experienced with her card being blockedShe has been given our information should she have any additional questions or concerns Thank you,*** ***Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: ***
I am rejecting this response because: I was NOT able to use the card after adjusting the amount of the purchase. I was able to use the card AFTER I had phoned the company TWICE, Emailed them ONCE informing them that I intended to file charges for theft, and after hours of purchasing said card had passedIn that hours is when I contacted the Revdex.com with this complaint I will NEVER make the mistake of buying a Netspend card again as long as I live.
Regards,
*** ***

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a card given to her as a gift that she could not activateShe’s requesting to be able to use her card without providing identity verification documents. 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, 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. In addition we inform the customer on the front of the package that this is not a Gift Card. We apologize if *** *** was not provided the information that is written on the packageThe card fees and other useful information pertaining to the card can be found on the website, www.netspend.comOn January 25, 2016, we reached out to *** *** by telephone and email. Unfortunately 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 *** *** has experienced with our productWe 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

To Whom It May Concern:We received complaint # *** filed with your office by *** ** concerning a refund check for an account she closed She’s requesting to receive the check as soon as possible On October 26, 2015, Ms** contacted Netspend requesting to close her account and
have a check for her remaining funds be sent to her address on file On January 7th, Ms** contacted us stating she has not received the check, and requested we send her check to a different address On February 26th, Ms** contacted us again stating she has not received the second check, and on March 4th requested we send her check to a different address On March 8th, I spoke with Ms** to address her concerns and advised we will be mai**ng her check to the new address she providedShe should receive this check within business days.NetSpend regrets any inconvenience that Ms** experienced while waiting to receive her checkShe 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*** states that he requested a savings statement but he never received itHe wants to get the statement he paid forOn June 17, 2015, we emailed the account history to Mr***He also has a
hard copy being mailed to his addressWe apologize for the misunderstanding about his original requestWe have refunded the cost that he paid to have his statement sentNetSpend regrets the inconvenience that Mr*** experienced while waiting on his statementWe have provided him 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 *** ***Ms*** mentions her card was blocked and she did not have access to her fundsShe is requesting a full refundOn August 15, 2015, Ms*** disputed unauthorized charges on her temporary
card through the website, www.netspend.comFor the security and protection of her remaining funds, we blocked the compromised cardThe online process prompts our customers to order another card, but she did not complete the orderShe called customer service the next day to update her address and order a replacement cardShe also requested to transfer her funds to another NetSpend card, but that privilege is blocked on new accounts that have not received the personalized cardOur Risk Management Team blocked her account on August 17th for review of the recent activityWe requested identity documents and proof of the new addressRisk Management reviewed her documents and removed the block the next dayOn August 18th, Ms*** transferred her funds to another NetSpend account in her nameNetSpend regrets the inconvenience that Ms*** experienced with the blocking of her card and accountWe 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: Thank you for forwarding Mr***’s complaint to usAs you requested, we addressed this matter directly with Mr*** on September 18, by way of emailIf 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