Realcor Developments Ltd.

Thursday, January 18, 2018To Whom It May Concern:Thank you for forwarding Ms***’s complaint *** to us. For security reasons, we may impose limitations on certain features to protect both Netspend and our cardholders.We attempted to reach Ms*** by telephone on January 17,
2018, but unfortunately, we were unable to speak with her. An email was sent to Ms*** outlining our actions to resolve her complaint. Ms***’s case has been assigned to Corporate Response Team Analyst, ***. Should Ms*** contact our Customer Service Department, we have left notes on her account for her to be connected with *** to further assist her with this matter. Thank you for bringing this matter to our attention.Thank you,*** ***Customer Experience Specialist Netspend, a TSYS Company

Friday, July 14, To Whom It May Concern: Thank you for forwarding Ms*** *** complaint # *** to usAs you requested, we addressed this matter directly with Ms*** on July 14, by way of telephoneWe emailed Ms*** the details of the actions to resolve her complaint on
July 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

Thursday, August 24, To Whom It May Concern: Thank you for forwarding Mrs*** ***’ complaint # *** to usAs you requested, we addressed this matter directly with Mrs*** on August 22, and 24, by way of telephoneWe emailed Ms*** with the details of 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: We received complaint # *** filed with your office by *** *** concerning her replacement card. During routine monitoring, we detected suspicious transaction activity and placed a temporary block on Ms***’s account on July 18, Ms
*** contacted us later that day to confirm that the card transaction was not authorizedMs*** spoke with a customer service representative and requested a new card by standard delivery. In response to this communication, a member of our Corporate Response Team we reached out to Ms*** on July to advise her that another card order was expedited to her updated address on file at no additional charge. We also apologized 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. Ms*** received reimbursement for her dispute claim on July 27, We understand how frustrating it can be to experience a block on your card. NetSpend is very committed to providing a safe and secure product 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

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning fees associated with her Skylight MasterCard Account On April 11, 2017, Ms*** contacted our Customer Service Department to report her card for her account was lostOur
agent blocked the card to prevent any further unauthorized use on her account and ordered a replacement card. We also informed Ms*** of attempted transactions that resulted in decline transaction fees. A Supervisor assisted Ms*** with her card account and reimbursed a portion of the decline fees A member of our Corporate Office reached out to Ms*** on April 12, and, as a courtesy, we reimbursed the remaining amount of transaction decline fees. We provided this information to Ms*** via email communication and she confirmed receipt We have provided Ms*** with our contact information should she have any additional questions or concerns. Thank you, *** *** Senior Customer Experience Specialist Netspend, a TSYS Company

Complaint: ***
I am rejecting this response because:....not one person called me....Netspend are scammers....I'm also looking into $disappeared last year...Netspend told me my personal information was stolen.....Netspend took rthe money...I would order something online and the charge would more than what the merchants had online...Netspend admit it,your scammers...the over people you have scammed agree with me
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meThank you *** for taking the time to resolve my claim and refund all of my fundsI'll be on the look out for the check tomorrowThank you again
Regards,
*** ***

Friday, June 2, To Whom It May Concern: Thank you for forwarding Mr*** *** complaint # *** to usAs you requested, we addressed this matter directly with Mr*** on May 30, by way of telephoneWe sent him an email detailing the actions taken on his online account on
June 2, 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 a card he has not received. On October 13, 2016, Mr*** contacted our Customer Service Department to block his card ending due to transactions that occurred on his account that
were pendingWe immediately blocked his card to prevent further activity and ordered him a replacement card to be sent to his address on file with a 7-business day delivery timeframeOn October 14, the pending transactions were released back into his available balance.Mr*** contacted us on October 28, to report that he has still not received his replacement card We ordered card ending with *** to be expedited to him at the same address, and should arrive within 1-business day delivery timeframeA member of our Corporate Response Team attempted to reach out to MrMartin, but unfortunately we have been unable to speak with himOur records confirm that Mr*** activated card ending *** on November We have provided Mr*** 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 the inconvenience she experienced with disputing an ACH debit on her ACE Elite account. On January 29, 2016, Cox Communications charged Ms***’ account in the amount of $
The charge was performed by an ACH (Automated Clearing House) transactionThe same day, Ms*** disputed the transaction. We received the ACH disputes and Stop Payment forms from her on February 25th. Ms*** received a credit for three ACH charges from Cox Communications on March 2nd, 14th and 19th. On March 18th Entergy Services charged Ms***’ account $169.33. She disputed that charge also and we credited her account the full amount on March 21st. We spoke with Ms*** on March 22nd and addressed her concerns. We assisted her with withdrawing her funds at the Capital One branch close to her address. We then closed her account and emailed her the last month’s account history. NetSpend regrets the inconvenience that Ms*** experienced as a result of the ACH debits from her accountWe 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 her dispute claim On November 25, 2016, Ms*** reported 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 29, 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 December 2, 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 29. 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

To Whom It May Concern: Thank you for forwarding Ms*** complaint to usAs you requested, we addressed this matter directly with Ms*** on July 19, by way of telephone. If 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 his overdraft feesOn March 10, 2016, Mr*** contacted us to dispute unauthorized transactions that posted to his accountWe immediately blocked his card to prevent any future
unauthorized useWe also opened a dispute claim and began our investigationA provisional credit for the transactions was applied on March 24.The unauthorized transactions caused three overdraft fees being assessed on Mr***’ account due to the negative balanceThe three overdraft fees were refunded on March Upon receipt of his complaint, we spoke with Mr*** on April to address his concerns about the overdraft feesWe explained that Mr*** can view the credit for the three overdraft fees in his transaction history on our websiteWe 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 *** ***Ms*** mentions her card could not be activated because of the address she providedShe’s requesting the check for the card balance to be sent to a PO Box address instead of the physical address
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 themNetSpend is compliant with the laws concerning the prepaid debit cardWe notify the consumer of this information on the outside of our card packagingOn October 14, 2015, we spoke with Ms*** concerning her card activation and the refund for the card balanceShe informed us that there is no mail delivery to her physical addressShe will not send documentation for NetSpend to manually validate her informationWe updated her ship to address to the PO Box that she requestedMs*** informed us that the check we mailed to her on September 17th was not receivedOur Accounting group is currently researching the status of that check since it was not returned to us as undeliverableWhen we confirm the check has not been cashed, we will request a new one to be sent to the updated addressNetSpend regrets the inconvenience that Ms*** experienced while attempting to activate her card and not receiving her refund checkWe 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 complaint # *** filed with your office by *** *** concerning his dispute claim On November 25, 2016, Mr***’s card was systematically blocked for security reasons, due to excessive PIN attemptsOn November 26, 2016, Mr***
reported unauthorized transactions that posted to his accountWe promptly opened a dispute claim and began our investigation. We informed Mr*** of the investigation timeframe afforded under Regulation E On November 30, we concluded our investigation with no credit being issued to Mr***’s account because we did not find an error occurredBased on our investigation, we have reason to believe that the transactions were authorized and that Mr*** benefited from the transactions. Additionally, our Risk Management Team closed Mr*** account on November 30, due to risk factors that were identified while investigating his claimThese risk factors are not shared with consumers for security reasons and Mr*** is no longer eligible for products managed by NetSpend A member of our Corporate Response Team spoke to Mr*** on November 30, to discuss the results of his dispute claimWe have reviewed the claim using the information Mr*** provided us, and based on our findings, the claim was handled appropriately. A letter detailing the results of our investigation is being mailed to Mr***’s address on fileMr*** should receive this letter 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 block that took place on her card that was caused by a previous negative balance. She’s requesting the block to be removed in order to access her funds. On February 3, 2016,
Ms*** attempted to activate a new NetSpend card. Our system recognized that she had a previous negative balance for more than days, and it automatically blocked the accountWe spoke with Ms*** on February 9th and explained the transactions that caused the block on February 23, 2012. We also provided her with options to fund the old account. The next day, the funds were recovered and the block was removed from Ms*** new account. 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 Team NetSpend A TSYS Company

Monday, February 20, 2017 To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning the fees on his Liberty Tax Card Account.A member of our Corporate Office spoke with Mr*** on February 17, 2017, and he explained that the Liberty Tax
employee filing his taxes did not mention the fee plans associated with his Card Account We explained the fees associated with the use of his card Mr*** has already made arrangements with Liberty Tax to send him a check for his tax return We apologize for the incomplete information that Mr*** received from Liberty Tax We have reported this incident to the management staff of the facility that issued him the Card Account.We have provided Mr*** with our contact information should he have any additional questions or concerns Thank you,*** ** ***Corporate Customer Experience TeamNetspend,a TSYS Company

Wednesday, April 11, To Whom It May Concern: Thank you for forwarding Ms*** *** 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 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 card packaging prior to purchaseAs you requested, we addressed this matter directly with Ms*** ** April 10, by telephoneWe are sorry to hear that Ms*** had a bad experience with our Customer Service DepartmentWe 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 emailed Ms***, outlining 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

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Mr*** states that his NetSpend card could not be activated because of a previous account with a negative balanceHe wants a refund sent to himOn September 17, 2015, Mr*** attempted to activate
his prepaid debit cardOur system recognized his information from a previous account history, and placed a block on his new accountAt his request, the account was closed on September 22nd, and a check request was submittedThe check is currently on schedule to be mailed out to Mr***’s address on October 2ndNetSpend regrets the inconvenience that Mr*** experienced while activating his new cardWe have provided him with our contact information should he have any additional questions or concernsWe will also send Mr*** a follow up letter to address his concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern: We received additional comments on complaint # *** filed with your office by *** *** concerning the difficulty she experienced with the fees on her NetSpend card she received as a giftShe’s requesting the full amount of $that was given to her as a gift. On March 8, 2016, we closed Ms***’s account. She will receive a check for $within ten business days. NetSpend regrets the inconvenience that Ms*** 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