Realcor Developments Ltd.

To Whom It May Concern: Thank you for forwarding Ms*** complaint to usNetspend 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 As you requested, we addressed this matter directly with Ms*** on February 15, 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 the inconvenience she experienced with having her daughter’s deposit put on her NetSpend accountNetSpend receives deposits to our cardholder’s account via ACH (Automated Clearing
House). We require the name on the deposit to match a cardholder’s name listed on the account. A deposit posted to Ms*** account in her daughter’s name on February 16, 2016. After an internal audit, we reviewed the deposit and blocked her account on March 9th since her daughter was not a registered cardholderThey required documents from Ms*** and her daughter in order to remove the account block. Some of the documents have been received, but the block will remain until all the documents have been reviewed. We spoke with Ms*** on March 28th and addressed her concerns. She will send the rest of the required documents so we can release the remaining funds to her. NetSpend regrets the inconvenience that Ms*** experienced as a result of the blocking of her accountWe 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 *** *** regarding a Payback Reward incentive that she has not received On June 6, 2016, a Payback Reward for ADT was presented in Ms***’s online account center The offer advised that Ms***
would qualify for a $incentive once all of the requirements are met On June 12, 2016, Ms*** activated the Payback Reward and made a qualifying purchase using her Netspend card with ADT.We reached out to Ms*** on July 13, as she had not yet received her Payback Reward of $We verified that she qualified to receive the incentive and we credited her account. 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, March 27, 2017To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning the activation of her 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 themThe 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 packaging also informs that the person activating the Card Account must be at least years of age and that it is not a gift card A member of our Corporate Response Team reached out to Ms*** on March to discuss the activation of her Card Account We were unable to locate Ms*** Card Account and ask that she contact us for further assistance We have provided Ms*** with our contact information should he have any additional questions or concerns Thank you,*** ***Corporate Customer Response TeamNetspend, 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 meThe company reversed position without informing me and released the funds in an appropriate time frame.Regards, *** ***

Thursday, April 27, 2017To Whom It May Concern:We received additional comments regarding complaint # *** filed with your office by *** *** concerning his Card Account We appreciate Mr***’s additional comments After further review, we are unable to locate a Card Account that had an opened dispute claim in Mr***’s name We attempted to reach Mr*** by phone on April 18, but unfortunately, we were unable to speak with Mr***We sent an email on May 4, requesting Mr*** to provide additional information to assist him further Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concernThank you,*** ***Customer Experience AnalystNetspend, a TSYS Company

Friday, January 05, 2018To Whom It May Concern:We appreciate you for forwarding Ms***’s additional comments.When 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 it was handled correctly. As you requested, we addressed this matter directly with Ms*** on December 4, by way of telephoneWe provided her with further insight on the dispute processThank you for bringing this matter to our attention. Thank you, *** *** Customer Experience AnalystNetspend, a TSYS Company

Tuesday, September 13, 2016 To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning her dispute claim On September 2, 2016, Ms*** contacted us to dispute transactions that posted to her account, because the contract
with the merchant was cancelled We immediately opened a dispute claim and began our investigation We also informed Ms*** of the investigation timeframes afforded under Regulation E We concluded our investigation of Ms***’s dispute claim on September and no credit was issued because we did not find that an error occurredWe received supporting documentation from the merchant involved in Ms***’s dispute claim that validated the transactions In response to her communication, a member of our Corporate Customer Response Team spoke with Ms*** on September She explained that she emailed additional information about her claim on September After reinvestigating Ms***’s dispute claim, we confirmed that an error did not occur The results of our investigation will be mailed to Ms***’s address on file We recommend that Ms*** work directly with the merchant in regards to the contract she signed. 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

Complaint: ***
I am rejecting this response because:
Of course you won't see any edited transa ton for the bills I had scheduled oThe of Feb to be paid oThe 19th of FebTo only find out that they were not paid because an employee told the Creditors I had insignificant funds an couldn't process the ppaymentsWhich the employee at bank was wrong because I had just received my tax return So when I called Netspend to find out why an employee would lie about that I was put on hold for min to only here in sorry but there's nothing g we can doYou can file a disputeAs soon as I got hung up on before I could file a dispute my account t was put on freeze an yall reported my card lost r stolen I have beeBack an forth with yall since February trying to get my mo key backAnother thing if there was NO TRANSACTION SHOWING AS A DEBIT IN MY ACCOUNT THEN I SHOULD STILL HAVE THAT MONEY IN MY ACCOUNTSO IF MY ACCOUNT DONT HAVE THAT MONEY IN IT THEN WHERE IS THE MONEY FROM THE CANCEL ONLINE PAYMENTS SO SINCE I Still can't get my refund lime thisI will be goingTalk to a Lawyer
Regards,
*** ***

Thank you for forwarding Mr***’s complaint to usWe 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 card packaging which is visible before purchase. We identified several risk factors associated with Mr***’s Card Account. As a result, the decision was made to close his Card Account and we are no longer able to offer him Netspend servicesA refund check for the full balance will be mailed to the address on file and should be received within business days. We attempted to reach Mr*** by phone and email on September and September but unfortunately, were unable to speak with Mr***. We emailed him on September outlining our actions 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 Analyst Netspend, a TSYS Company

To 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 On March 9th and 10th, 2016, I reached out to Ms*** by telephone and email to address her concerns, but
have not had the opportunity to speak with herIn review of her account, we issued the Refer-A-Friend credit; however, I have not been able to speak with her to review other accounts she mentionedShould Ms*** contact me, I will review all of her accounts to make sure she has received the proper credits.NetSpend regrets the inconvenience that Ms*** experienced while waiting to receive her Refer-A-Friend bonus 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

Monday, March 12, To Whom It May Concern: Thank you for forwarding Ms*** *** complaint *** to usAs you requested, we addressed this matter directly with Ms*** on March 9, by telephoneWe emailed Ms*** the details outlining our actions to resolve her
concernsThank 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 a rebuttal complaint # *** filed with your office by *** ***Ms*** states that she is still looking for a refund of her money from different merchantsAs we stated in our last response, there are no transactions with the merchants Ms*** mentioned in her complaintNetSpend cannot open a disputes claim against a merchant that never collected from her cardThe disputes claim that was filed was closed with no error foundWe have requested that the documents used to arrive at that decision be emailed to Ms***We have provided her our contact information should she have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Thursday, November 10, 2016To Whom It May Concern:We received additional comments regarding complaint # *** filed with your office by *** *** concerning her dispute claim.We appreciate Ms***’ additional comments We re-reviewed Ms*** claim, and based on our findings, the claim was handled appropriately We reached out to Ms*** on November 7, to further address her concern and reconfirmed the results of our investigationWe have also provided her with documentation concerning the conclusion of her claim. 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, June 26, 2017To Whom It May Concern: Thank you for forwarding Ms*** complaint to us. As you requested, we addressed this matter directly with Ms*** on June 26, by way of telephoneIf 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

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning her dispute claims. On February 5, 2017, Ms*** logged into her online account center and disputed a transaction that posted to her card account for more than she
expected from, PlayStation. We promptly opened a dispute claim *** and began our investigation. We also informed Ms*** of the investigation timeframe afforded under Regulation E. We concluded our investigation on Ms***’ dispute claim *** on February 15, 2017, and issued reimbursement to her card account for the amount that was overcharged by the merchant. A letter detailing the results of the investigation was mailed to Ms***’ address on file On April 4, 2017, Ms*** disputed another transaction that posted to her account from PlayStation through her online account centerWe promptly opened a dispute claim *** and began our investigation. We also informed Ms*** of the investigation timeframe afforded under Regulation E. A member of our Corporate Office spoke with Ms*** on April 14, and she explained that she cancelled the service with PlayStation. She requested a re-review of dispute claim ***. Our Dispute Department confirmed Ms***’ online dispute letter indicated the merchant overcharged her for $0.99. We spoke with Ms*** again on April 18, and explained the results of claim ***. We opened a third dispute claim *** for the second transaction from PlayStation that occurred February 3. We issued a provisional credit to Ms***’ account on April 18, while we continued our investigation of her dispute claim ***We also ordered Ms*** a replacement card as an added protection against unauthorized transactions on her card account. We waived the expedited shipping cost and she should receive the card within 1-business days Ms*** has been provided with our direct contact information should she have any additional questions concerning this matter. Thank you, *** ** *** Customer Experience Specialist Netspend, a TSYS Company

Friday, July 31, 2015To Whom It May Concern:We received complaint # *** filed with your office by *** ***. Mr*** states that he is unable to speak with an agent that can assist him with logging onto the website. He wants access to the online account center. On July
31, 2015, we contacted Mr*** and helped him to get to the specific website for his ACE Elite card, www.AceEliteCard.com. We further assisted with the Google Chrome browser settings. NetSpend regrets the inconvenience Mr*** experienced while attempting to log onto the website. He has been given our contact information should he have any further questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: ***
I called and emailed and requested that a check be sent to the address on file.
Regards,
*** ***

Complaint: ***
I am rejecting this response because: they are put my money saying social security has it I'm tried of this I filled a complaint from my state attorney general of ohio which forward my complait letter to office of currency in Houston tx and consumer financial protection bureau in Iowa city ia
Regards,
*** ***

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning the closure of her accountDuring routine monitoring, our Risk Management Team closed Ms*** account on May 31, 2016, because we identified risk factors associated with her account
activityThese risk factors are not shared with consumers for security reasonsA check for her remaining account balance was mailed to her address on June 2, She should receive the refund check within ten business daysOn June 2, because the account was closed a direct deposit for Ms*** was returned back to the originatorThe originator should receive the deposit within business daysAfter further review, our Risk Management Department re-opened Ms*** account and unblocked her cardWe spoke with Ms*** on June to discuss her account closureWe apologized for the disruption in her account usageWe provided the timeframe to receive her refund check and provided her the return trace number for her returned direct depositAs a courtesy, we issued a credit to Ms*** account while she awaits her refund check in the mail.We have provided Ms*** with our contact information should she have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company