Realcor Developments Ltd.

To Whom It May Concern:
Thank you for forwarding Ms
*** complaint to us
As you requested, we addressed
this matter directly with MsChalas on February 13, 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 Analyst
Netspend, a TSYS Company

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning the inconvenience she experienced with her dispute of a Western Union transaction on her NetSpend Premier CardOn March 1, 2016, Ms*** used the NetSpend website to dispute a Western Union
transfer of $The update for her claim will be provided within ten business days, March 15thOn the tenth business day, our Disputes Department updated her claim with an error was found and a full credit was issued to the account balance. We reached out to Ms*** by telephone and email on March 16th, but unfortunately, we have not had the opportunity to speak with her. We will assist with her concerns when she returns our call. NetSpend regrets the inconvenience that Ms*** experienced while waiting for her disputes claim to be resolvedWe 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 *** *** concerning Netspend Card Account she received as a gift On February 17, 2017, Ms*** contacted our Customer Service Department to activate her new Netspend Prepaid Card
Account. Ms***’ identity information could not be automatically verifiedWe requested Ms*** to provide copies of her identification documents to verify her identity in order to approve the 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 Account package and is visible to consumers prior to purchase. Our package also informs the buyer that the person activating the card must be at least years of age and that this is not a gift card. A member from our Corporate Office spoke with Ms*** on February 21, and corrected the spelling of her last name and the address provided on the Card Account. We were able to automatically verify her identity to approve the Card Account. Ms*** requested to close the Card Account and have a refund check for remaining balance sent to her address on file. The check will arrive within business days We have provided Ms*** with our contact information should she have any additional questions or concerns. Thank you, *** *** Customer Experience Analyst Netspend A TSYS Company

Thursday, March 23, 2017To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning the Refer-A-Friend bonus associated with her Netspend Prepaid Debit Card Account On March 1, 2017, Ms*** referred her friend to apply for a Netspend Prepaid
Card Account in order to receive the Refer-A-Friend bonus Ms*** received a notification on March 14, informing her that her friend is not eligible for the Refer-A-Friend bonus A member from our Corporate Office reached out to Ms*** on March 17, but unfortunately, we have not had the opportunity to speak with her We requested further information about the friend she referred via email When she supplies additional information, we will assist her with more details about the bonus We have provided Ms*** with our direct contact information should she have any additional questions concerning this matter Thank you,*** ** ***Customer Experience Specialist Netspend, a TSYS Company

To Whom It May Concern: We received additional comments regarding complaint # *** filed with your office by *** *** concerning his dispute claim We appreciate Mr***’s additional comments. We determined that Mr***’s dispute claim *** was not eligible for a provisional credit, but we are continuing our efforts to investigate the claim. The claim *** is scheduled to be finalized by the end of the day April 14. The results of the investigation will be sent to Mr*** in writing within business days of completing our investigationA member of our Corporate Office communicated with Mr*** on March 6, 2017. We informed him that claim *** was not eligible for a provisional credit and informed him of the deadline dateOur records indicate Mr*** received and activated his replacement card on March 02, 2017. We have provided Mr*** with our contact information should he have any additional questions or concerns. Thank you, *** *** Customer Experience Specialist Netspend, A TSYS Company

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning a funds transfer from Paypal that he was unable to completeMr*** also mentions the problems he experienced with his direct deposit Mr*** attempted to transfer funds from
PayPal to his Netspend card, but was unsuccessful in doing soOn March 2, 2016, we spoke with Mr*** to address his full concernsWe explained to Mr*** how he can send and receive funds using his Netspend account. Mr*** also requested that we locate his deposit and we offered to see if our Electronic Funds Transfer Team could locate it if he will provide the tracer number for the deposit, but he declined to take this actionNetspend received the deposit on March 3rd, but the name on the deposit was different than the name on the accountWe requested for Mr*** to send us identity documents for verification to approve the deposit, however, he did not want to send us all of the documents requested and asked that we reject the deposit back to the senderMr***’s request to have to speak with Management has been forwarded.NetSpend regrets the inconvenience that Mr*** experienced while attempting to transfer funds and receive his deposit We have provided him 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 complaint # *** filed with your office by *** *** concerning an unauthorized transfer of funds On October 2, 2016, Mr*** contacted our Customer Service Department to report an unauthorized transfer of funds to another NetSpend
cardholder’s account. We immediately opened a dispute claim and began our investigationA block was also placed on Mr***’s account to prevent any additional unauthorized activity In response to his communication, a member of our Corporate Response Team attempted to contact Mr*** on October to discuss his dispute claim, but we were unable to speak with him. We completed our investigation on October 4, and provided him with full reimbursement for the disputed transaction 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 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 *** ***Ms*** mentions that NetSpend deducted funds from her account because of past due balances on other accountsShe desires the funds to be returned and to see documentation of the past due balances
On September 4, 2014, we spoke with Ms*** about her other NetSpend accounts that had negative balancesAfter describing the two separate account transactions, she agreed to recover the balance of $from one of her accountsWe sent her the other account’s transaction history for her reviewFor that account, we collected $We explained that the funds were collected in accordance with the card terms and conditions"If any transaction(s) exceeds the balance of the funds available in your Card Account, you shall remain fully liable to us for the amount of the transaction(s) and any applicable transaction fee(s)You agree to pay us promptly for the negative balanceIf you have not added sufficient funds to your Card Account to cover the negative balance within sixty (60) days of its creation, we will have the right to cancel your Card Account and pursue collection, including the right to collect funds, equal to or less than the negative balance, from any other Card Account(s) you may have with us." NetSpend regrets any inconvenience that Ms*** experienced as a result of the collection of fundsWe have provided her with 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'm pretty sure that I put in my dispute form that my pin number was in my wallet with not just the card but other personal things as well.the investigation is a complete joke and yet I still don't have my money back and NetSpend ok'd someone stealing my money
Regards,
*** ***

To Whom It May Concern: We received complaint # *** filed with your office by Tracy Gregory concerning the inconvenience she experienced with activating a NetSpend cardShe’s requesting access her 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, 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. On the packaging we also inform the customer that this is not a gift card, the person activating the card must be at least 18, and of the fees associated with the use of the card. We reached out to *** *** by telephone and email on January 25th. 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 *** *** experienced while attempting to activate her cardWe 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

Monday, August 7, To Whom It May Concern: Thank you for forwarding Ms*** ***’s complaint # *** to usAs you requested, we addressed this matter directly with Ms*** on August 4, by way of telephoneWe sent Ms*** an email detailing the actions taken on her
account to resolve her 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

To Whom It May Concern: Thank you for forwarding Ms***’s complaint to usAs you requested, we addressed this matter directly with Ms*** on September 27, 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: the address netspend has on file is incorrect and needs to be changed They have told me it is not possible to change the address I am 100% satisfied with a mailed refund check, just to the right address
Regards,
*** ***

To Whom It May Concern: We received complaint # *** filed with your office by *** ** concerning the inconvenience that he’s experienced after filing a disputes claim for unauthorized transactions that were made on his accountHe’s requesting to be refunded for the disputed transactionsOn
December 27, 2015, Mr** opened three disputes claims against thirty-three unauthorized transactions that occurred on his NetSpend card during the timeframe between April 7th and April 30th. We informed him that an update would be provided within ten business days, January 11, On the tenth business day, our Disputes Department closed the claims with no error found on the disputed transactions, and no funds were reimbursed to the account. The next day, we mailed a disputes closure letter to Mr**’s address that outlined the conclusion of his disputes claimsWe spoke with Mr** on February 3rd and informed him we would request for our Disputes Department to send documentation used to arrive at the claim decision by mail. Mr** still has one open disputes claim that will finalize on February 26th. If this claim is successful, a check for the remaining funds on the account will be mailed and he will receive it within ten business days after the final date of the ongoing claim. In an effort to protect NetSpend cardholders, our Risk Management Department regularly monitors their accounts to prevent compromising activity, or unacceptable account usageOur Risk Management Team identified risk factors that led to the blocking of Mr**’s account on January 11th. He is no longer eligible for NetSpend servicesThe factors that led to the account closure are kept internal for security reasonsNetSpend regrets the inconvenience that Mr** experienced with his disputes claimsWe have provided him 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 his dispute claim. On September 17, 2016, Mr*** contacted us to report several unauthorized transactions that posted on his account. We immediately
blocked the card to prevent any further unauthorized use. We promptly opened a dispute claim and began our investigation. We also informed Mr*** of the investigation timeframes afforded under Regulation E. We concluded our investigation of Mr*** dispute claim on September 27, and no credit was issued because we did not find that an error occurredIn response to this communication, a member of our Corporate Response Team spoke to Mr*** on September 30, to discuss his dispute claim. Mr*** provided additional information regarding his claim that we relayed to our Dispute Resolution Department. After reinvestigation of his dispute claim and based on the updated information Mr*** supplied, we provided him with full reimbursement for the disputed transactions 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 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 *** ***Ms*** states that she was not able to activate the card that she purchased and put money onShe wants the money refunded in a timely mannerTo 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, street address, date of birth, and other information that will allow us to reasonably identify themNetSpend is compliant with the laws concerning the prepaid debit cardThis information is displayed on the outside of our card packagingMs*** provided information while attempting to activate her card, but it could not be verifiedWe closed her card / account and mailed her a check for the balance on June 12thShe will receive her funds within twenty business daysNetSpend regrets the inconvenience that Ms*** experienced while trying to activate the cardShe has been given my contact information should she have any further questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Monday, July 25, 2016To Whom It May Concern:We received additional comment regarding complaint # *** filed with your office by *** *** concerning the closure of her account We appreciate Ms***’s additional comments We re-reviewed Ms***’s dispute claim and confirmed that it was investigated properly We have reason to believe that the transactions were authorized and that Ms*** benefited from the transactions On July 26, we emailed the documents used in her dispute investigation to Ms*** Our Risk Management Team closed Ms***’s account due to risk factors that were identified during our dispute investigation As a result, Ms*** is no longer eligible for products managed by NetSpend 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, May 1, To Whom It May Concern: Thank you for forwarding Ms*** ***’ complaint # *** to usAs you requested, we addressed this matter directly with Ms*** on May 1, by way of telephone, and e-mailThank 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
Thanks NetspendRegards,
*** ***

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning her NetSpend card that was blocked On November 28, 2016, our system blocked Ms***’ card as lost/stolen because she logged onto her online account center to report an
unauthorized transaction that posted to her account. We promptly opened a dispute claim and began our investigationA replacement card was ordered to be mailed to Ms***’ address on file with our standard 7-business day deliveryWe completed our investigation of Ms***’ claim on November 29, and provided full reimbursement for the disputed transaction and informed her the compromised card would remained blocked for security purposes A member of our Corporate Response Team spoke with Ms*** on November 30, regarding her fundsMs*** understands that her compromised card cannot be unblockedMs*** opened a separate Netspend account at WALMART in order to transfer her funds to a temporary card while waiting to receive her permanent replacement cardAfter speaking with Ms*** and verifying proper security, we were able to transfer her funds to the temporary cardAdditionally, we are expediting Ms*** a replacement card at no chargeThe tracking number provided by UPS, ***, indicates the card has been delivered 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