Realcor Developments Ltd.

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning the access to her account balanceOn November 18, 2016, Ms*** contacted our Customer Service Department to report she did not have her card in her possession and needed to
access her account balanceWe informed Ms*** to purchase a new NetSpend account to transfer the remaining account balance from her old account. Because the permanent card on the new account had not been activated, the transfer feature was restricted. The restriction was removed November 19, and Ms*** was able to access her account balance. A member of our Corporate Response Team, spoke to Ms*** on November 23, regarding her accountAs a courtesy, we refunded the fee she was charged to transfer her funds. We also expedited a new card to her address on file and waived the shipping cost. Ms*** will receive the card within 2-business days 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 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 additional comments on complaint # ***filed with your office by *** *** concerning his income tax refund that is
being returned to the Internal Revenue Service. He’s requesting the funds to be sent to the
IRS or to him. Our Fraud
Prevention Team regularly monitors account activity in order to provide a safe
and secure product for all of our cardholdersOn February 13, 2015, a systemic
block was placed on Mr*** account after the deposit arrived from IRS /
US Treasury in the amount of $1676.00. Our
Fraud Prevention Team requested additional identity verification from Mr***
as a security precaution. He called on
February 21st to inform us that he does not have the required
documents to send. On February 25th,
our Fraud Prevention Team pended Mr***’s IRS deposit, and sent a
notification to the IRS to determine where the deposit should goThe IRS
responded to our inquiry on November 17th, and advised that the
funds should be sent to themWe will notate Mr***’s account once we
confirm that the IRS / US treasury has received the funds. We spoke
with Mr*** on November 30th and informed him that we have not
received confirmation that the IRS has received the funds. NetSpend regrets the inconvenience that Mr
*** experienced while waiting on the funds to be returned to the IRSWe have
provided him 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 her boyfriend’s, *** ***, cardMs*** mentions that his card was overcharged at the gas pump She requests the merchant to only collect what was dispensed at the pump. On
February 9, 2016, Mr*** card was charged $from Planet Gas This is a preauthorized amount to allow the pump to activate when the prepaid card is swiped To avoid this preauthorized amount in the future, our cardholders can go inside and instruct the store attendant to swipe the card for a specific amount Minutes after the gas pump authorized the transaction, Mr*** remaining funds became available to him NetSpend regrets the inconvenience Mr*** and Ms*** experienced with the gas preauthorization She has been given our contact information should she have any additional questions or concerns Thank you,*** ***Corporate Customer Response TeamNetSpend A TSYS Company

Friday, August 28, To Whom It May Concern:We received complaint # *** filed with your office by *** ***Ms*** mentions disputing four ATM transactions and she only received credit for three. She desires the money for the fourth disputed item.On August 28, 2015, we spoke
with Ms*** concerning the disputed ATM items. She confirmed that she did receive the credit for all four items but it took an extra two months. We apologized for the inconvenience she experienced during the extra review period for her disputes claim. Should she have any additional questions or concerns, we can be contacted at ###-###-####. 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 reversal of an AT&T transaction, but has not received a refundHe’s requesting to be reimbursed for this transactionOn June 13, 2015, AT&T
collected two charges from Mr***’s card for $and $Mr*** disputed the $transaction on June 17thAfter ten business days we updated his claim with the claim resolution date of August 17thNo provisional credit was issued because he had previous dealings with the merchantOn July 31st, the disputes claim was won, and the funds were returned to Mr***’s accountWe mailed him a disputes closure letter that concluded the outcome of his disputes claimNetSpend understands the disputes process can be time consumingWe appreciate Mr***’s patience while we worked to retrieve his fundsWe have provided him 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 closure of her account. On April 2016, Ms*** contacted us to add her son as a secondary cardholder We were unable to verify her son’s information and requested documents
to confirm his identity.On April 19, our Risk Management team closed Ms***’ account The specific account activity that triggered the closure is not disclosed to consumers for security purposesWe are no longer able to offer her services with our NetSpend managed programs Upon receipt of her complaint, we spoke with Ms*** on April to address her concerns regarding the account closure Ms*** should receive her refund check within business days. 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 cancelled transaction with *** that she has not been reimbursed forShe’s requesting a credit of $to post to her accountOn December 18, 2015, the pending ***
purchase of $was systematically released back to Ms*** account balanceWe informed Ms*** of this information through our online account center’s secure inbox messaging. NetSpend regrets any inconvenience that Ms*** experienced while the *** transaction was pendingShe has been given our contact information should she have any further questions or concerns. Thank you, *** *** Corporate Customer Response Team NetSpend A TSYS Company

Thursday, June 11, To Whom It May Concern:We received complaint # *** filed with your office by *** ***Ms*** states that she received a credit card in the mail that she did not apply for. She wants to know how we got her personal information. NetSpend 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 card. On June 10, 2015, we spoke with Ms*** about the card offer. We apologize for the unprofessional behavior of a representative that hung up on her. A request for the specific source information on this card offer has been submitted. When it is received, we will relay it directly to Ms***. Our records have been updated so that we will not send any additional card offers to the name and address matching the offer that Ms*** received. We regret any inconvenience this may have caused herMs*** has been given our contact information should she have any additional questions or concerns. Thank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Wednesday, June 14, To Whom It May Concern: Thank you for forwarding Ms*** *** complaint # *** to usAs you requested, we addressed this matter directly with Mr*** on June 9, by way of telephoneWe sent her emails detailing the actions taken on her grandson’s account
to resolve her concerns on June 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:We received complaint # *** filed with your office by *** *** concerning the dispute
claim she opened on her NetSpend ACE Elite Prepaid card. She’s requesting a credit for the disputed
item. On October
16, Ms*** called us to
report a billing issue with ***. She disputed a charge from *** for
$53.81. We informed Ms*** of the
business day investigation timeframe afforded to financial institutions
under Regulation E. We also requested that
she send us any supporting documentation that shows her ongoing service with
this merchant, had been cancelled. We
understand how frustrating it can be to dispute a charge from a merchant. We appreciate Ms***’s patience as we
investigate her claim We have yet to
speak with her but have emailed her our contact information should she have any
additional questions or concerns. Thank
you,*** ** ***Corporate
Customer Response TeamNetSpend
A TSYS Company

Wednesday, January 10, To Whom It May Concern: Thank you for forwarding Ms*** ***’s complaint *** to usAs you requested, we addressed this matter directly with Ms*** on January 4, by way of telephoneWe sent her an email detailing the actions to resolve her
concerns on January 10, 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:We received complaint # *** filed with your office by *** ***Ms*** mentions that her account was blocked due to a merchant refund to her cardShe requests access to the funds that were credited to her cardOur Risk Management Department regularly
monitors our customer’s accounts in efforts to prevent compromising activity, or unacceptable account usageRisk factors were identified that led to the blocking of Ms***’s account on September 9, Walgreens credited her card $and there was no matching debitOur Risk Management Team blocked the account and requested a copy of the original purchase receiptWe spoke with Ms*** on September 18th, and she informed us that she would provide a copy of the original purchase receipt that she will obtain from the merchantWe will review the receipt, once received, and if remove the block if it confirms her original purchaseNetSpend regrets the inconvenience that Ms*** experienced as a result of the block on her accountShe has been provided my contact information should she have any further questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Complaint:
I am rejecting this response because: *** is an it Plain and simple This is not why it hasn't been working for the last three months I have demanded to speak to anyone other than him as he has proven himself completely incompetent in solving this problemThere is a limit on the instant transfers of $a month (which I haven't done any of for the last three months) but there is no limit of transfer via bank deposit from Paypal though he would have you believe there is I've already talked with two of their 'managers' who have told me that he is clueless and doesn't know how things work They sent a new card, it still doesn't work and now I have to transfer all of my payment accounts He has also STILL YET TO RESPOND TO THE ISSUE OF ALL THE FEES I HAVE INCURRED BECAUSE OF THIS
Regards,
*** ***

Monday, May 2, To Whom It May Concern: We received complaint # filed with your office by *** *** concerning the activation of her *** *** Prepaid MasterCard. We are required 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 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 provided on the outside of the card packaging. On April 29, 2016, *** *** attempted to activate her *** *** Prepaid MasterCard, but we were unable to verify her identity using the information she provided. We asked *** *** to send us copies of her identification documents to manually approve her account. *** *** declined to send any documentsUpon receipt of her complaint, we spoke with *** *** on May to discuss her account. *** *** was able to access her funds and the transaction fees were refunded back. We apologized for the poor service that *** *** experienced with our Customer Service Department. We have reported these incidents to the management staff of the customer service agents she spoke with. We provided *** *** 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 the activation and fees associated with his NetSpend card 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 On the outside of the card packaging we inform all prospective customers about fees associated with the card and that the temporary card expires days after purchase. We also inform the consumer that the person activating the card must be at least years old and the use of the card is limited prior to identity verification and that this is not a gift card In response to this communication, a member of our Corporate Response Team attempted to contact Mr*** by phone and via email. Unfortunately, we have not had the opportunity to speak with him. Please encourage Mr*** to work with our corporate office and we will discuss options for accessing his funds on the two cards 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

Friday, December 23, 2016 To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning NetSpend Prepaid Visa cards her children received as gifts. 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 The NetSpend packaging also has important information that notifies the consumer of basic fees including Account Maintenance Fees of $that are associated with the card 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 Two NetSpend Prepaid cards ending in *** and *** were purchased on December 13, 2015, and loaded with $and $onto them Ms*** received these two cards to give to her children as gifts Ms*** contacted us on December 18, 2016, to activate the cards for her children, but she was informed that we need personal information in order to verify her identityMs*** provided us with her information and we were able to fully approve card ending *** for activation; however, our system was not able to automatically verify her information for card ending ***Our temporary cards expire after days, so we ordered Ms*** a replacement card for the card ending in ***Ms*** activated the replacement card on December and accessed the $150.00.A member of our Corporate Response Team spoke with Ms*** on December We explained our product features to Ms*** and as a courtesy we refunded her account for the fees she was chargedWe are mailing Ms*** a check for her remaining balance for card ending *** to the address on file Ms*** should receive this check with business days. We apologize for the poor service Ms*** received from our Customer Service DepartmentWe have reported these incidents 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

Wednesday, April 19, 2017To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning her transaction history statements. On April 9, 2017, Ms*** contacted our Customer Service Department and requested a copy of her transaction history
We informed Ms*** of the timeframe she should expect the transaction history to be sent She called again on April 13, to inform us she had not received the statements she requested The agent misinformed her to use the online account center to retrieve the account history A member of our Corporate Office spoke with Ms*** on April 14, and we submitted the request for her transaction history We emailed the account statements to her on April 18, and waived the processing fee. We are sorry to hear that Ms*** had a bad experience with our Customer Service Department We have reported this incident to the management staff of the customer service agents she spoke with to ensure that they receive appropriate coaching on our policies and procedures.We have provided Ms*** with our direct contact information should she have any additional questions concerns Thank you,*** ** ***Customer Experience Specialist Netspend, a TSYS Company

To whom it may concern; ID# *** I spoke to *** *** of Netspend corporation and he resolved my complaint tonight Nov3,I received the full refund amount of $Thank you for allowing me to lodge a complaint through the Revdex.com of TexasSincerely *** ***

To Whom
It May Concern:We received complaint # *** filed with your office by *** *** concerning a block that took
place on her new card that was caused by a previous account with a negative
balance. She’s requesting to settle the
negative balance with the funds that she loaded
onto her new card so that she
can access the remainder of her fundsOn October 20, 2015, Ms***
attempted to activate a prepaid debit card, but our system recognized that her
information was associated with a previous account that had a negative balance
Our system automatically blocked the new account as a result. We apologize for the initial misinformation from
our customer service, instructing Ms*** to send us identification
documents. On October 21st, per
Ms***’s request, the negative balance was recovered using the funds that
were loaded onto her new account, and the block was removed. The next day she activated her new card for
use. NetSpend
regrets the inconvenience that Ms*** experienced while attempting to
activate her new 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: Thank you for forwarding Ms*** ***’ 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 account. We’ve reviewed Ms***’ dispute claim and complaint that credit was not providedAfter review, we’ve determined that her claim was handled correctly As you requested, we addressed this matter directly with Ms*** on November 3, by way of telephoneWe provided her with further insight on the dispute resolution process. A letter detailing the results of our investigation was emailed to her address on file. 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