Realcor Developments Ltd.

To Whom It May Concern: Thank you for forwarding Mr***’s complaint to usIn response to this communication, we permanently blocked the card offer on January 11, 2018. We have also removed Mr***’s name and address from our mailing list and he should not receive any future
offers from any Netspend managed programs As you requested, we addressed this matter directly with Mr*** on January 11, 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 a block that was placed on her
account as a result of having a negative balanceShe’s requesting for the block
to be removed so that she can access her account.On
November 10, 2015, Ms***
loaded $to her new NetSpend card that was
purchased When she attempted to
activate her new card, our system blocked it upon activation as a result of her
information being associated with previous account that had a negative balance
of $Our Recoveries Department collected the $from the new card to reduce
the prior negative balance. We
spoke with Ms*** on November 16th concerning the block on her
new accountShe explained the situation that occurred on her old account that
resulted in the negative balanceOur Recoveries Department is currently
reviewing the status of her new accountWe will follow up with her once we
have an updateNetSpend regrets the inconvenience that Ms*** experienced
as a result of the account block. 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

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
Regards,
*** ***

Thursday, August 4, 2016To Whom It May Concern: We received additional comments regarding complaint # *** filed with your office by *** *** concerning the closure of her account and the return of her funds to the IRSWe appreciate Ms***’s additional commentsOn August 5, a member of our Risk Management Team spoke with her and gave her the correct IRS Lead NumberA referral was sent to the IRS to review Ms***’s case and schedule a contact time with herWe apologize for any inconvenience this may have caused and we recommend that Ms*** continue to follow up with the IRS regarding the status of her tax refund depositMs*** has been provided 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 want the data they claim to have used to send me this cardThey are a deceptive company as I was not able to contact them to ask about the account without activating the card firstI sent an email, no replayBecause of this 'marketing scheme' I've had to place a fraud alert on my *** account, file a complaint with the FTC, CFPB and the Revdex.comDoes this sound like something I asked for?
My concern is also with the Revdex.comThis marketing company receives thousands of complaints and retains an A+ rating? They claim to be endorsed by Visa, Mastercard and be a member of FDIC and hold an A+ rating with the Revdex.com. I guess if you have the backing of TSYS you can scam people.
Regards,
*** ***

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning fees associated with her NetSpend Liberty Tax Prepaid MasterCardOn February 10, 2016, Ms*** received her card from Liberty TaxThe main fees for using the card and for maintaining the
account are fully disclosed on the card packaging and are visible to consumers prior to purchaseThe product comes with a variety of fee plans in order to meet the diverse needs of our consumers, and these fees should have been explained to Ms*** upon activation of her card.Even though all fees were charged appropriately according to the terms of MsParks’ account based on the fee plan she selected when she activated the card, our Customer Service Department refunded the "Over The Counter Withdraw" fee on April 12.We are sorry to see the product did not meet Ms***’ needs, but at this time, we believe her concerns have been resolvedMs*** has been provided my contact information should she have any additional questions or concernsThank 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 me
Regards,
*** ***

Friday, January 5, 2017To Whom It May Concern:Thank you for forwarding Ms*** ***’s complaint *** to us. We attempted to reach Ms*** on January 3, and 5, 2018, by telephone and by email, but unfortunately, we were unable to speak with herThe email we sent to Ms***
outlined our actions to resolve her complaintThe direct deposit form available in the online account center, notifies our customers that the card must be activated before they can receive a direct deposit to their Card Account. Because Ms***’s card was not activated, her deposit was returned back to the originator.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 and giving us the opportunity to resolve our cardholder’s concern. Thank you,*** ***Customer Experience Specialist Netspend, a TSYS Company

Friday, December 22, To Whom It May Concern: Thank you for forwarding Ms*** ***’s complaint *** to usAs you requested, we addressed this matter directly with Ms*** on December 22, by way of telephoneShe informed us that her concern has been resolvedThank 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 closure of her accountMs*** expressed her dissatisfaction when speaking to our agents and would like to know information concerning the account closureAs previously stated, our Risk Management Team regularly monitors cardholder accounts in order to provide a safe and secure product for all of our cardholdersOur Risk Management Team identified risk factors that led to the closing of Ms***’s accountUnfortunately, she is no longer eligible for NetSpend services due to the risk factors that were identifiedMs*** will be unable to open another account through programs that are managed by NetSpend. She will receive a refund check within business daysNetSpend regrets the inconvenience that Ms*** experienced with her account closureWe have provided her our contact information should she have any additional questions or concernsThank you, *** *** Corporate Customer Response Team NetSpend A TSYS Company

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning her direct deposit On May 16, 2016, Mr*** contacted us to add his wife as a secondary cardholder to his accountAdditional information was needed to verify her identity and we
requested Mrs*** to send us copies of her identity documents. On May 19, we received a direct deposit for Mrs*** The deposit was placed on hold until we could verify her identity information, but was returned back to the originator later that day On May 25, we received another direct deposit for Mrs*** and it was placed on hold until verification of her identity was complete We received Mrs***’s documents on May and her deposit was approved Upon receipt of her complaint, we have attempted to contact Ms*** to discuss her direct deposit concerns, but have not been able to speak with herWe will assist Ms*** further when she contacts us back. 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 the fee plan associated with his card On April 12, 2016, *** *** activated his NetSpend card *** *** did not enroll in the Fee Advantage Plan (FAP) at the time of
activation On April 24, *** *** contacted us to discuss the fees associated with his card Our Customer Service Department credited the transaction fees back to his account and enrolled him in our Fee Advantage Plan On May 2, *** *** spoke with our Customer Service Department again to remove the Fee Advantage Plan We refunded back the FAP fee to his card balance. Our Corporate Office spoke with *** *** on May 2, and apologized for any confusion regarding his fee plans*** *** confirmed he wanted to be changed to our Fee Advantage Plan beginning on May The monthly fee will be assessed on, or around, the 6th of the month moving forward.We apologize for the poor service that *** *** experienced with our Customer Service Department We have reported this incident to the management staff of the customer service agents he/she spoke with.We have provided *** *** 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 his dispute claim On June 20, 2016, Mr*** logged onto his online account center to dispute two ATM withdrawals that posted to his accountWe opened dispute claim and began
our investigationWe informed Mr*** of the investigation timeframes afforded under Regulation E. We contacted Mr*** on July 6, to discuss his dispute claimWe advised him we issued a provisional credit to his account while we continued our investigation.Our Risk Management Team closed Mr***’s account due to risk factors that were identified during our investigation These risk factors are not shared with consumers for security reasons and Mr*** is no longer eligible for products managed by NetSpendA check for the remaining funds has been mailed to Mr***’s address on file on July He should receive this check within ten business days. Mr***’s dispute claim is scheduled to be finalized by the end of the day August The results of the investigation will be sent to Mr*** in writing within business days of completing our investigation. 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

Wednesday, February 22, 2017 To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning his dispute claim. On February 17, 2017, Mr*** contacted our Customer Service Department to inquire about a stop payment for a transaction from
Charter Communication in the amount of $ The agent informed Mr*** that the Automated Clearing House (ACH) debit had already posted to his Card Account and he would need to dispute the transaction Mr*** contacted us to dispute the ACH debit on February and we promptly opened dispute claim *** and started our investigationWe informed Mr*** of the investigation timeframe afforded under Regulation E In response to Mr***’ communication, we spoke with him on February 21, and explained the ACH dispute process We concluded Mr***’ dispute claim *** on February and determined that an error occurred We issued full reimbursement for the disputed transaction back to Mr***’ Card Account A letter outlining the dispute claim *** results will be mailed to his address on file and he will receive it in ten business days We apologize for the service that Mr*** experienced with our Customer Service Department We have reported this incident to the management staff of the customer service agents he spoke with.We provided Mr*** with our contact information should he have any additional questions or concerns Thank you,*** ** ***Corporate Customer Experience TeamNetspend, a TSYS Company

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Mr*** mentions that he never received the bonus for being referred to NetSpend by his friendHe requests NetSpend to honor the Refer-A-Friend offer and apply the bonus of $The NetSpend
Refer-a-Friend program is designed to gain new customersNetSpend cardholders can refer friends from our website, mailings, and emailsAnyone they refer will receive a referral code to use when setting up their accountIf the person referred has not been a customer before, or has not had an active NetSpend account in the last days, they are eligible to receive the $bonus, along with the person who referred themMr*** has had another active account within the last thirty days making him ineligible for the Refer-A-Friend bonus on his new card/account.We reached out to Mr*** on September 14th, by telephone and email, to inform him of the above details of the programNetSpend regrets the misunderstanding that Mr*** experienced with the Refer-A-Friend ProgramWe 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 her dispute claim.On April 1, 2016, Ms*** disputed two charges from *** *** *** through our online websiteWe immediately opened a dispute claim and we began our investigationWe
informed Ms*** of the investigation timeframes afforded to financial institutions, under Regulation EWe also determined that she was not eligible for a provisional credit due to the nature of her dispute with the merchant.Our investigation concluded on May and no credits were issued because we were unable to identify that an error occurredThe merchant provided validation for the chargesA letter explaining the dispute decision was emailed and mailed to Ms***Upon receiving her complaint, we reached out to Ms*** on June to discuss her dispute, but unfortunately, we have not had the opportunity to speak with herShe responded by email, and advised that the merchant will be issuing a refundWe have provided Ms*** 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 *** ***Mrs*** states that she filed a complaint against an ATM merchant, and the owner advised that her funds were returned to NetSpendMs*** is requesting to be reimbursed for the funds that she
never received from the ATMOn July 31, 2015, we spoke with Mrs*** and her husband concerning the disputes claim that was filed on Mr***’s NetSpend account for the ATM transaction on July 2nd, at Murphy’s Express, in the amount of $The ATM merchant provided documents to validate that the transaction was correct, and the claim closed with no payout for the transaction disputedOur Disputes Department closed the disputes claim on July 15th, and mailed a disputes closure letter to Mr***’s address on fileMrs*** wants to have a conference call with the ATM merchant and NetSpend on August 3rdShe will contact us when she is readyNetSpend regrets the inconvenience that Mrand Mrs*** experienced as a result of the recent ATM transactionWe have provided them with our contact information should they 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 *** ***Mr*** states that he sent all requested documents, but the account block has not been liftedHe wants the account unblocked and the funds he loaded onto the cardOur Risk Management Team
regularly monitors our customer’s accounts in efforts to prevent compromising activity, or unacceptable account usageOur Risk Management Team identified risk factors that led to blocking Mr***’s account on May 25thWe requested copies of identifying documents in order to remove the blockThe documents received were not acceptableThe acceptable phone bill is for a landline phoneWe have re-emailed the full list of acceptable documents to Mr*** on June 18thHe responded with a request for his fundsWe will mail a check to his address on June 26thNetSpend regrets any inconvenience Mr*** experienced with the review of his identity documentsWe 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 additional comments regarding complaint # *** filed with your office by *** *** concerning the funds on his account. We appreciate Mr*** additional comments. At Mr*** request, we will mail a refund check to the address he provided. He should receive this within business days In response to his communication, we attempted to reach out to Mr*** on October 13, but unfortunately, we were unable to speak with himWe 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 Tell us why here

To Whom It May Concern: We received a rebuttal complaint # *** filed with your office by *** ***Mr*** states that he sent the papers showing he was incarceratedHe wants to recover the funds used while he was in prisonAs we stated in our previous response, we need a copy of Mr***’ incarceration release papers so we can consider this for evaluation on his disputes claimWe have no record of receiving this informationNetSpend regrets the inconvenience Mr*** experienced with his card being use while incarceratedHe has been given my contact information should he have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company