Realcor Developments Ltd.

Thursday, March 02, 2017To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning his Card Account that was not received. On February 20, 2017, Mr*** received a direct deposit onto his Card Account Mr*** contacted us on February
because he had not received his card ending with *** in the mail We expedited a new card ending with *** to Mr*** address on file and waived the shipping cost We confirmed the card ending with *** was delivered to Mr***’ address on March 1. A member of our Corporate Office reached out to Mr*** on March to discuss the problems he experienced with his Card Account Mr*** chose to close his Card Account and receive a refund check The check will arrive to Mr***’ address on file within business days We have provided Mr*** with our contact information should he have any additional questions or concerns Thank you,*** ***Senior Customer Experience AnalystNetspend, a TSYS Company

Friday, August 25, To Whom It May Concern: Thank you for forwarding Ms*** *** complaint # *** to usNetspend reviewed Ms*** request to dispute specific transactions from October 1, up to May 1, 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 accountAfter review, we’ve determined that her claims were handled correctlyThe transactions were reported outside of the timeframe designated by the card terms and conditionsAs you requested, we addressed this matter directly with Ms*** on August 22, by way of telephoneWe emailed Ms*** the details of the actions to resolve her complaint on that same dayThank 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 closed without warning and she is dissatisfied with the business day timeframe to receive the remaining funds from her accountShe requests all the funds that
posted to her account expedited without feesOur Risk Management Team regularly monitors our cardholder’s accounts in efforts to prevent compromising activity, or unacceptable account usageOur Risk Management Team identified risk factors that led to the blocking of Ms***’s accounts on August 27, Ms*** is no longer eligible for NetSpend services as a result of these risk factorsA check for her remaining funds was mailed to the address on file on September 3rdNetSpend regrets any inconvenience that Ms*** experienced as a result of her account closureWe 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: Thank you for forwarding Ms*** ***’ complaint *** to us Our records show a dispute claim was initiated on August 30, 2017. 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 account. We reviewed Ms***’ dispute claim and determined the investigation is being handled correctly. Her claim is scheduled to be updated on September 14, 2017. We attempted to reach Ms*** on September 5, and 8, by telephone and by email, but unfortunately, we were unable to speak with herThe email we sent outlined our actions to resolve her complaint and provided further insight on the dispute resolution process 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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, *** had not contacted me by phone *** for further details
Regards,
*** ***

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Ms*** mentions excessive fees being charged on her account where she receives disability benefitsShe requests compensation of $for fees and the cost of contacting us.On September 11, 2015,
we reached out to Ms*** by telephone and emailWe encouraged her to view her transaction history at no cost from our website www.netspend.comHer account is currently under the Fee Advantage Plan for NetSpend Premier CustomersThe credit and debit transaction fees are waived under this plan for a single monthly fee of $The NetSpend card can be used to receive government benefits, employee payroll, and cash depositOur card is not advised or issued by the US GovernmentThe fees associated with using the card are clearly displayed on the card terms and at the above mentioned websiteWhen she returns our call we will go over the account fees with Ms***NetSpend regrets the inconvenience that Ms*** experienced with using the NetSpend cardWe have provided her with our contact information should she have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Monday, June 12, To Whom It May Concern: Thank you for forwarding Mr*** *** complaint # *** to usAs you requested, we addressed this matter directly with Mr*** on June 8, and 12, by way of telephoneWe sent him emails detailing the actions taken on his
account to resolve his 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 # *** with your office by *** *** Mr*** mentions that there is a pending transaction on his account, and he was asked to fax in documentation for the funds to be released back into his accountHe’s requesting access to his
funds.On July 14, we were able to verify that the transaction was cancelled from the merchant Lenovo GroupUpon verification, the funds were released back into Mr***’s accountI spoke with Mr*** on July 21st and he confirmed that his concerns were resolved.NetSpend regrets the inconvenience Mr*** experienced while waiting for the pending funds to be released back into his account He has been given our contact information should he have any additional questions or concerns Thank you,*** ***Corporate Customer Response TeamNetSpend A TSYS Company

Friday, January 08, 2016To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning unauthorized transactions that occurred on her account. She is requesting all funds to be credited to back into her account. On December 12, 2015, Ms***
opened a dispute against unauthorized transaction made on her account. When she spoke with customer service, she was informed that an update would be provided on the tenth business day, December 29th. On the tenth business day, we advised that more information was needed to continue with her dispute. We received additional information from Ms*** on December 31st, and a payout for her unauthorized transactions was issued on January 4thWe spoke with Ms*** on January 8th, and addressed her concernsA new disputes claim was opened against the *** transactions and we will provide an update in ten business days, January 22nd. NetSpend understands that the disputes process is lengthy, and we appreciate Ms***’ patience as we attempt to retrieve her funds. We have provided her with our contact information should she have any additional questions or concerns. Thank you,*** *** Corporate Customer Response Team

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning his dispute claim. On June 1, 2016, Mr*** reported unauthorized transactions that posted to his accountWe immediately blocked his card to prevent any additional unauthorized use and
ordered a replacement We opened a dispute claim and began our investigation. On June 15, we concluded our investigation with no credit being issued to Mr***’s 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 Mr*** benefited from the transactions Upon receipt of his complaint, we reached out to Mr*** on June via emailA letter detailing the results of our investigation was mailed to his address on file He should receive this letter within ten business days 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

Complaint: ***
I am rejecting this response because:There was no reason for the company to "return" the money to sender as all the documents were sent in a timely mannerI have each email time stamped and dated to show thisI appreciate the Revdex.com attempt to resolve this matter; however, this is a recurring issue with Netspend and we are forming rally's in states to show what kind of business this company is runningThere are so very many people with issues that should never have been issuesThe excuse about terrorism and so forth does not even apply to my issueMy identity was never in question, my address was the issueI would love to be reimbursed the money I lost in the amont of 107$ due to being given information from Netspend customer service repsAlthough, the money is no longer the issue it is now a matter of principleConsumers need to be aware of how unprofessional this company is and how they pick and choose whom they will accept documentation from.Regards,
*** ***
These are just a few of the documents that I sent, again I have in writing that my identity was never in question but my address wasI also have in writing acceptable documents which were not accepted in my particular caseI WANT AN EXPLANATION and also reimbursement for being told to take a day off work to go and have my licences changed only to be told that the paper form the DMV provides is not accepted

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a card offer her daughter, *** ***, received and her direct depositThe card offer (and accompanying disclosures) that Ms***’s daughter received was distributed in compliance
with the Electronic Fund Transfer Act as implemented through Regulation E (CFR 1005.5(b))NetSpend relies on affiliate marketing services as a source for reaching potential new customers and her daughter’s information was acquired through these business relationshipsHer daughter’s name and address were provided to this third party, and that information was opted in to receive offers and marketing materials from the third party as well as any third party with whom they chose to share the informationBecause NetSpend feels strongly about customer privacy, we only contract with marketing affiliates that have collected the information from willing consumers and have received permission to share it with us During the activation process NetSpend verifies the identity of the person activating the card offer to ensure that the card offer can only be used by the intended recipient, and that the person activating the offer is at least years oldWe are required by the USA PATRIOT Act to obtain, verify, and record information that identifies each person who opens a card account with us. On February 1, 2017, Ms***’s daughter contacted us to activate the card offer and provided us with her identity information including a date of birth indicating she was at least years old. We were unable to complete the identity verification process using the information she provided to us and placed a temporary restriction on the Card Account. We asked Ms***’s daughter to provide copies of her identification documents to verify her age and identity in order to complete the activation of the Card Account. Later that day, we received an ACH direct deposit to the Card AccountThe deposit was placed on hold until we could complete the identity verification process On February 2, we were informed that Ms*** was not at least years of ageAs a result, we asked for documentation from Ms***’s parent, *** ***, in order to be named as the Primary Cardholder for Ms***’s daughter to receive deposits onto the Card AccountWe explained that the pending ACH direct deposit would be returned by 5pm CST that same day if we could not complete the process of adding *** *** as the Primary Cardholder onto her daughter’s Card Account. Later that day, we received some documentation from Ms*** but did not receive all of the documents needed to validate her identityBecause we were unable to update the Card Account with *** *** as the Primary Cardholder, we were unable to activate the Card Account and the ACH direct deposit was returned to the senderIt typically takes up to business days for the sender of the deposit to receive the funds A member of our Corporate Office spoke with Ms*** on February 9, 2017, to discuss the Card Account and the process to allow her daughter to receive future ACH direct deposits. As soon as NetSpend receives direct deposits we make the funds available to cardholders as long as no additional review is required by our Risk Management Teams and the Card Account has been activated following the identity verification processWe apologize that Ms*** was informed of different documents needed in order to approve and her experience with our Customer Service DepartmentWe have notified the management team of the Customer Service Agents she spoke with to ensure they receive the appropriate coaching on the procedures to update a Primary Cardholder with the parent’s information As a courtesy, we have applied a $courtesy credit onto the Card Account and will mail *** *** a check for this amount within business daysWe have provided Ms*** with our contact information should she have any additional questions or concerns. Thank you, *** *** Customer Experience Analyst Netspend, a TSYS Company

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning his dispute claim. On March 29, 2017, Mr*** contacted our Customer Service Department to report an error with an ATM transaction that did not dispense funds he
requestedWe promptly opened a dispute claim and began our investigation. We also informed Mr*** of the investigation timeframe afforded under Regulation E. A member of our Corporate Office spoke with Mr*** on April and explained the dispute resolution process. We will provide Mr*** with the initial claim update by the end of the business day, April We completed our investigation on April 12, and no credit was issued because we did not find that an error occurredWe received supporting documentation from the ATM merchant bank involved in Mr***‘s dispute claim that validated that funds dispensedA letter detailing the results of our investigation and copy of the merchant documentation will be mailed to his address on file. Mr*** should receive this letter within ten business days Mr*** has been provided with our contact information should she have any additional questions or concerns. Thank you, *** *** Corporate Customer Experience Team Netspend, a TSYS Company

Tuesday, August 16, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning her dispute claimsOn July 29, 2016, Ms*** contacted our Customer Service Department to report that five ACH (Automated Clearing House) unauthorized debit
transactions posted to her account by using her account and routing numbersWe immediately opened five separate ACH claims and began our investigationMs*** provided all the requested documentation and we concluded our investigation of her ACH claims on August We provided full reimbursement for the disputed ACH transactionsOn August 2, Ms*** contacted us to report another unauthorized charge that posted to her accountWe immediately blocked her compromised card to prevent any further unauthorized charges and ordered her a replacementWe promptly opened a dispute claim and began our investigationWe also informed Ms*** of the investigation timeframes afforded under Regulation EIn response to Ms*** communication, we spoke with her on August 9, and explained the difference in the ACH and the card transaction dispute claimsHer card transaction dispute claim is scheduled to receive an update on August We completed our investigation and have provided full reimbursement to Ms*** account on August for the dispute transactionMs*** confirmed she has received the replacement cardWe 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: Thank you for forwarding Ms*** complaint to usThe card Ms*** received is a reloadable, prepaid debit card and not a gift cardThis type of product is intended for individuals who wish to have access to an electronic form of payment, but would like an
alternative to a traditional bank accountWe understand that because she was given the card as a gift she may not have seen the original card package which states “This is not a gift card” on the front of the packageThe most common fees for using the card and for maintaining the Card Account, including account maintenance fees, are fully disclosed in the cardholder agreement and are visible to consumers prior to activationThe product comes with a variety of fee plans in order to meet the diverse needs of our consumersWe attempted to reach Ms*** by phone and email on February 6, but unfortunately, were unable to speak with Ms***We emailed her a letter on February 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 Analyst

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning a dispute that he has not been credited for On March 5, 2016, Mr***r opened an authorized dispute claim through his online Netspend accountPer Regulation E, authorized merchant
billing disputes do not qualify for a provisional credit, unless we are able to receive documentation from the merchant that would support their knowledge of an error being made. On March 17th, I spoke with Mr*** to address his concernsHe provided me with contact information for the merchant whom I was able to speak with as wellThe merchant sent us the requested document, and on March 21st our Disputes Team credited Mr*** account.NetSpend regrets the inconvenience that Mr*** experienced with the disputed transaction We have provided him 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 replacement card and the misinformation he received regarding transferring his funds.On June 20, 2016, Mr*** contacted our Customer Service Department because he did not receive his
replacement card We advised that he could purchase a new temporary card on a new account and transfer his fundsMr*** purchased the new card, but was then informed he would not be able to transfer the funds due to a transfer restriction on his accountsA transfer restriction was placed on Mr*** previous accounts due to an unauthorized transfer of funds disputes claim he had reportedThe restriction is placed for the security and protection of funds. We spoke with Mr*** on June to discuss funds transferThe funds transfer restriction was removed and we assisted him with transferring funds to his initial account. 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 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 *** ***Ms*** states that she could not get customer service to release an unauthorized charge on her cardShe wants her money made available immediatelyOn July 13, 2015, Ms*** notified
NetSpend that her card was used for an unauthorized transaction from Sprint Wireless for $The compromised card was blocked to prevent future compromise, and we ordered her a replacement cardThe released transaction does not prevent the merchant from collecting the funds on a prepaid card because they have already obtained an authorizationA fast method for releasing a pending transaction is for the cardholder to get the merchant to cancel the charge and send proof of the voided transaction to NetSpendAs mentioned in our card terms and conditions, we do not have the ability to void or cancel a merchant transaction, but we do have the ability to dispute the transaction in attempt to recover the fundsOn July 20th, the merchant had not collected on the pending transaction, so we released the funds back to Ms***’s card balanceIf the merchant collects funds at a later time, Ms*** has the option to dispute that transactionNetSpend regrets the inconvenience that Ms*** experienced as a result of the unauthorized transaction from SprintWe 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 the inconvenience that she’s experienced while waiting to have an account block removedShe’s requesting access to transfer her fundsAs a protection to avoid possible account compromise, a
transfer block occurs on new accounts after activation to prevent transfer of funds between accounts. This block does not hinder the card or account functions, only the transfer between accounts. We reached out to Ms*** on January 20th and addressed her concerns. We informed her that she can use her new card, but the block could not be removed until she receives and activates her personalized card. NetSpend regrets the inconvenience that Ms*** experiencedWe 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 *** ***Ms*** states that someone attempted to activate her card without her permission which resulted in her card being blockedShe wants a check for the $that was loaded onto her card
Our Risk Management Team regularly monitors our cardholder’s accounts in efforts to prevent compromising activity, or unacceptable account usageOur Risk Management Team identified risk factors that led to the blocking of Ms*** account on July 29, during the attempted card activationWhen she called the next day to claim ownership of the card and activate it, none of the registered information matched the information that she providedThis prompted an additional block on the account as a security measureMs*** was required to send us the card receipt, and other information to verify her identityOn September 15th, our Risk Management Team agreed to send a refund check to Ms*** for $once the required documents are received from herNetSpend regrets the inconvenience that Ms*** experienced as a result of her account being compromisedWe have provided our contact information should she have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company