Realcor Developments Ltd.

Friday, February 19, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a card she has not received to her new address. She’s requesting to receive a NetSpend card in order to access her deposit. On February 5,
2016, Ms*** reported her card as lost and ordered a new NetSpend card. She contacted us on February 9th, when her income tax refund posted to her account, to inform us that she did not receive her card. Customer Service explained that the timeframe of ten business days to receive a card order would expire on February 19th. Ms*** received her card and activated it on February 16th. We reached out to Ms*** on February 15th by telephone and email. We have not had the opportunity to speak with her, but will assist her when she returns our call. NetSpend regrets any inconvenience that Ms*** experienced with receiving the card to her addressShe has been given 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 *** ***. Ms*** mentions that her tax refund was placed on hold and she was unable to speak with a representative to verify her account informationShe is requesting an apology due
to the experience she has had with our company. On February 9th, 2016, Ms*** tax refund was presented for posting to her new account. Because Ms*** name did not match her direct deposit information, we requested identifying documentation. A member of our Corporate Response Team contacted Ms*** on February 10th, and assisted her with changing her name on the account. Unfortunetly, the timeframe to review her deposit expired and it has been sent back to the originator, which can take up to business days to receiveNetSpend regrets the inconvenience Ms*** experienced while waiting to gain access her funds. She has been given 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 accounts opened in her name without her consent.We have attempted to reach Ms*** by phone and email, but have not had the opportunity to speak with herWe will assist Ms
*** once she contacts us.Ms*** has been provided with our information should she have any other 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 dispute claimOn April 8, 2016, Ms*** contacted us to advise that her card had been compromised by two $charges from Chick-Fil-AWe immediately blocked the card to prevent
continued unauthorized usageThe transactions were in a pending status at the time and a representative from our Customer Service Department released the funds back to the card balanceA release of a pending transaction is not a void or a stop paymentWe apologize for any misinformation Ms*** received from our Customer Service Department concerning the release of her transactionsWe have reported this incident to the management staff of the customer service agent she spoke withOn April 10, 2016, the unauthorized transactions posted to Ms*** accountWe opened a dispute claim and began our investigationWe also informed Ms*** of the investigation timeframes afforded to financial institutions, under Regulation EWe concluded our investigation on April and issued credits to her accountWe contacted Ms*** to inform her of the dispute conclusionWe provided Ms*** 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 still haven't received a permanent replacement cardThey sent a temporary via fedex which came in business daysI don't know why they don't do this with the permanent cardI have also included a screen shot of the card history on my account.
Regards,
*** ***

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 22, 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 concernThank you, *** ***Customer Experience AnalystNetspend, a TSYS Company

Friday, April 06, 2018To Whom It May Concern: Thank you for forwarding Mr*** complaint to us. As you requested, we addressed this matter directly with Mr*** on April 4, 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

To Whom It May Concern: We received additional comments on complaint # *** filed with your office by *** *** regarding her request for someone to follow up with her about late fees that she’s requesting to be reimbursed forOn January 20, we spoke with Ms*** about the late fee she incurred from her rent bill, while waiting on a refund check from NetSpendShe will receive her second check within ten business days from our conversation. Ms*** has our contact information if further assistance is needed. 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 direct deposit On February 24, 2017, Mr*** contacted our Customer Service Department to discuss the status of his direct deposit. We reviewed Mr***’s
direct deposit and it was made available on February 26. Mr*** was able to access his funds the same day A member from our Corporate Office spoke with Mr*** on February regarding his direct deposit. We apologized for the inconvenience he experienced while waiting for his deposit to be made availableWe have reported this incident to the management staff of the customer service agents he spoke with so that they receive appropriate coaching concerning direct deposits 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

Complaint: ***
I am rejecting this response because:I do NOT except this response! This is a game with this guyI have contacted him MULTIPLE times! He returns a call ONLY on times I tell him I can not be available to speak with himI HAVE sent written dispute within a half hr of my mo ey being stolenAlso,ive emailed the copies to ***It is VERY frustrating bc I raise kids with disabilitySo having income it screws me n my kidsAlso, I was told I would have my money refunded within days from the day I filed the dispute, on the 10th day I was told I wpuld be refunded by end of businessThen I call next day n am told it will be another daysTHESE r the responses ive got! It is sickening knowing netspend was breeched an those of us who have no choice to go recieve disability have to play these stressful games.
Regards,
*** ***

To whom it may concern: Thank you for forwarding Mr*** ***’s additional comments regarding complaint *** to us Mr*** is requesting we review his transaction history with him to determine the balanceFor the protection of Mr***’s card account, we validated his card is no longer active and cannot be used for any additional transactions We attempted to reach Mr*** on September 15, 18, 20, and 21, by telephone and by email, but unfortunately, we were unable to speak with him. We sent Mr*** an email and outlined our actions to resolve his complaintWe apologize Mr*** was not able to open the attachment. We emailed Mr***’s account history statements for 2017, and suggested the download of Adobe Reader might assist with opening the attachmentAs a courtesy, we also mailed Mr***’s copies of his account history statements to the address and should be received within 1-business daysHis case has been assigned to a Corporate Customer Response Team Analyst, ***. Should Mr*** contact our Customer Service Department we have left notes on his account for him to be connected with *** to further assist him with his matter. 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

Tuesday, December 12, 2017To Whom It May Concern: We appreciate Mr*** additional comments. As previously advised, certain account features, such as Direct Deposit or PayPal Balance Transfers, are not available until your permanent/personalized card is activated. We addressed this matter directly with Mr*** on December 5, by way of e-mail. We appreciate 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

Tuesday, August 23, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a transfer of her fundsOur Risk Management Team has established limits on the cardholder to cardholder transfer feature as a protection for our customersThe daily,
weekly, and monthly limits are meant to protect our customer’s accounts in case of high risk activityDue to these limits, Ms*** was unable to complete a transfer of funds on August and August In response to this communication, a member of our Corporate Response Team spoke with Ms*** on August We explained her daily, weekly and monthly transfer limits are an internal protection for her fundsAs a courtesy, we refunded the fee charged to transfer funds and the fee to send her a check for one of the accounts she requested to closeWe apologize for the service that Ms*** experienced with our Customer Service DepartmentWe have reported this incident to the management staff of the customer service agents she spoke withWe have provided Ms*** with our contact information should she have any additional questions or concernsThank you, *** ***Corporate Customer Response TeamNetSpend A TSYS Company

Friday, September 29, To Whom It May Concern: Thank you for forwarding Mr*** ***’ complaint *** to usAs you requested, we addressed this matter directly with Mr*** on September 29, by way of telephoneWe informed Mr*** by email on the same day, of 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 Specialist Netspend, a TSYS Company

Complaint: ***
I am rejecting this response because:I had to contact NetSpend times to get someone to agree to remove my nameThe first time, the person transferred me to a hold line to activate my accountThe second time, the person hung up on meOnly after the third call, did someone agree to remove my informationI have strong reservations about the sincerity of their statement and I do not believe that they will live up to their end of the bargain to never contact me again
Regards,
*** ***

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Mr*** states that he signed up for the premier card, but did not receive the benefits of the $Fee Advantage PlanHe wants to be refunded for the fees that should have been covered under the
planOn June 23, 2015, we contacted Mr*** about his NetSpend Premier status and the Fee Advantage Plan (FAP)He did receive the qualifying deposits to be upgraded to premier status on June 17thSince he was not previously subscribed to the FAP, it did not automatically switch to the $plan costWe explained the plan and issued a courtesy credit to Mr***’s cardNetSpend regrets the inconvenience that Mr*** experienced with the premier upgradeHe has been given my contact information should he have any further 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 August 22, 2016, Mr*** contacted our Customer Service Department regarding three ATM transactions that he did not receive the funds for and the
transactions posted to his account. We promptly opened a dispute claim and began our investigation. We informed Mr*** of the investigation timeframe afforded under Regulation E We issued a provisional credit on September 7, for each transaction while we continued our investigation of the claimThe claim was scheduled to be finalized on October 6. The results of the investigation will be sent to Mr*** in writing within business days of completing our investigation On October 6, we concluded our investigation of Mr*** dispute claim and no credit was issued because we did not find that an error occurred. We received supporting documentation from the merchant involved in Mr*** dispute claim that validated the transactions, indicating the funds were dispensed. The provisional credit that was previously issued, was reversed on October from Mr*** account. A member of our Corporate Response Team reached out to Mr*** on December 6, unfortunately we were unable to speak with himWe sent him a follow up email to inform him that we reviewed the claim and issued full reimbursement for the disputed ATM transactions. We also credited his ATM decline fees and overdraft fees resulting from the credit reversal. A letter detailing the results of our investigation will be mailed to Mr*** within 3-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: Thank you for forwarding Mr***’s complaint to usAs you requested, we addressed this matter directly with Mr*** on November 14, 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 concernThank you, *** *** Customer Experience Analyst Netspend, a TSYS Company

To Whom It May Concern:We received a rebuttal complaint # *** filed with your office by *** ***Ms*** states that she does not accept the previous response concerning her disputes claimAs mentioned in our previous response, it can take up to business days for a disputes claim update on new accountsOn the 20th business day, July 20, 2015, Ms***’s claim was paid out and made available to her card balanceNetSpend appreciates Ms***’s patience as we worked to retrieve her fundsWe have provided Ms*** 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 a transaction that could not be completed after she activated the NetSpend card. She’s requesting assistance with her transactions. On January 27, 2016, we spoke with Ms
*** and explained the transaction fees for each charge completed with the card. Her attempted charge for $was declined for insufficient funds due to the $signature transaction fee, while her card balance was $100.00. The outside of the card packaging that she purchased in the store displays the fees associated with the card use. The card terms inside the package and at our website *** provide additional details about the card functions. At the time of our call, Ms*** had loaded an additional $to the card balance and we informed her that the transaction would approve if she tried it again. Prior to our conversation, an account closure was requested from Ms***’s online account. That account closure was processed the next day and Ms*** will receive a check to her address within ten business days for the card balance. We regret any inconvenience that Ms*** experienced while trying to use her card. She has been given our contact information should she have any additional questions or concerns. Thank you, *** ** *** Corporate Customer Response Team NetSpend A TSYS Company