Realcor Developments Ltd.

Tuesday, January 24, 2017To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning his dispute claim On December 23, 2016, Mr*** contacted us and transferred $to another Card Account in his name with the card ending in *** On
December 24, 2016, Mr*** contacted us to report an unauthorized transaction that posted to his Card AccountWe immediately blocked his card ending in *** to prevent any further unauthorized use and ordered him a replacement We opened dispute claim number *** and began our investigation We also informed Mr*** of the timeframe afforded under Regulation E Later that day, Mr*** transferred $from Card Account with card ending in *** to a third Card Account in his name with card ending in *** On January 3, 2017, Mr*** contacted us to dispute the transfer of $to his Card Account with card ending in *** We immediately blocked the transfer option on all of Mr*** Card Accounts to prevent any further unauthorized transfers We opened dispute claim number *** and began our investigation We concluded our investigation of claim *** on January and no credit was issued because we did not find that an error occurred We have reason to believe that the transactions were authorized and that Mr*** benefited from the transactions. A member of our Corporate Customer Response Team spoke with Mr*** on January 19, and explained the transfer activity on his Card Accounts He informed us that he had both cards ending in *** and ***, but he thought he was only using the card ending in *** Mr*** confirmed that he completed the transfer from card ending *** We emailed his the Card Account histories and the sequence of transfer events for his records Claim *** is still being investigated and should be concluded on February The results of the investigation will be sent to Mr*** in writing within business days of completing our investigation.Mr*** has been provided with our contact information should he have any additional questions or concerns Thank you,*** ** ***Corporate Customer Response TeamNetSpend, a TSYS Company

Wednesday, January 24, To Whom It May Concern: Thank you for forwarding Mr*** *** 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 purchaseThe package also states the cardholder must be at least years of ageAs you requested, we addressed this matter directly with Mr*** on January 24, by way of telephoneWe sent him an email detailing the actions to resolve his 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

Monday, January 22, 2018To Whom It May Concern:Thank you for forwarding Ms*** ***’s complaint *** to us. 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. After reviewing Ms***’s dispute claim, we have determined that her claim was handled correctly. We attempted to reach Ms*** on January 22, by way of telephone. We sent her an email detailing the actions to resolve her concerns. Ms***’s case has been assigned to Corporate *** *** *** ***. 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

Complaint: ***
I am rejecting this response because: Today makes the 10th business day and no refund check has been receivedPlease advise when I will receive my refund
Regards,
*** *** ***

Friday, May 19, 2017To Whom It May Concern:Thank you for forwarding Ms*** *** *** complaint # *** to us. Netspend reviewed Ms*** dispute claim and issued full reimbursement for the disputed transaction on May 12, Ms*** will receive a letter detailing
the results of our investigation to her address on file within five business days We attempted to reach Ms*** on May 11, by telephone and May by email, but unfortunately, we were unable to speak with herThe email we sent outlined our actions to resolve her complaint. 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

Complaint: ***
I am rejecting this response because:
Regards,
*** ***

To Whom It May Concern: Thank you for forwarding Ms*** complaint to usAs you requested, we addressed this matter directly with Ms*** on August 24, by way of telephoneIf 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

Complaint: ***
I am rejecting this response because:Because I never got the money, the money was not dispensed
Regards,
*** ***

Complaint: ***
I am rejecting this response because:The charges where related and we have documents and recorded phone calls to prove they where related.Furthermore the merchant sent documents to release them then denied them
Regards,
*** ***

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a NetSpend Card Account offer that was sent to her daughter NetSpend relies on affiliate marketing services as a source for reaching potential new customers and Card
Account 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 information 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 Account offer can only be used by the intended recipientIf the recipient cannot be verified, then the offer cannot be activated A member of our Corporate Office spoke with Ms*** on April 12, 2017, and informed her that the Card Account offer sent to her daughter is permanently blocked and the name and address have been removed from our mailing list. They should not receive any future offers from NetSpend managed products. Additionally, we have submitted a request to our Marketing Department to provide information concerning how her daughter’s name and address were obtained. That information will be conveyed to her once it is received. Ms*** has been provided 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: Thank you for forwarding Ms*** complaint to usAs you requested, we addressed this matter directly with Ms*** on April 10, 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

Thursday, April 5, To Whom It May Concern: Thank you for forwarding Ms*** *** complaint # *** to usWhen 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 have reviewed Ms*** dispute claim and we’ve determined that her claim is being handled correctlyAs you requested, we addressed this matter directly with Ms*** on April 4, by telephoneWe sent an email to Ms*** detailing 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 *** *** concerning a refund check that has not been received. On March 1, 2016, Ms*** Netspend account was closed by our Risk Management Team as a result of risk factors associated with her account
The specific account activity that triggered the closure is not disclosed to consumers for security purposesWe are no longer able to offer her services with our NetSpend managed programs. On March 14, the remaining funds on Ms*** account was mailed back to the US Treasury via a refund checkOn March 17, we received confirmation that the US Treasury received the check. On April 14, our Risk Management Team contacted the US Treasury to reconfirm the status of the refund check The US Treasury office advised they did not receive a package from us On April 21, we spoke with Ms*** and advised that the US Treasury office will contact us once they locate the missing package 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 *** *** with his concerns of being a
victim of fraud. He’s requesting to be
reimbursed for the funds that he loaded onto several prepaid PayPal cards. We
spoke with Mr*** on November 20,
concerning his recent experience
regarding the prepaid PayPal cards that he purchasedMr*** advised that he
received a phone call from someone that claimed to be from the IRSHe stated
that the individual told him to purchase prepaid PayPal cards, load funds
onto each of the card accounts, and provide the card numbers to themMr***
stated that the individual threatened to send law enforcement out to arrest him
if he didn’t comply with their instructionsWe’ve
located the prepaid PayPal MasterCard accounts that matches the dates and
times that Mr*** provided us withEach card account is associated with a
different name and address than what Mr*** providedThe individual that
Mr*** provided the card numbers to, dispensed the funds within minutes of
obtaining the card information, leaving a $balance on each card account. Our Risk Management Team closed the accounts
that were associated with Mr***’s purchaseWhen we spoke with Mr*** on
November 20th, we suggested for him to contact his local police
department to file a report about the fraudulent activity that he experienced
We also recommend that he contacts the Federal Trade Commission (FTC) at ***
or by calling ***The FTC will aid Mr*** on how to
report ID theft to the major credit bureaus, FTC, police, and affected
financial institutionsUnfortunately we’re unable to dispute the transactions
on the card accounts, as a result of Mr*** having no knowledge of the
accounts being opened without his informationThis procedure is in accordance
with the Federal Reserve’s Regulation E Guidelines.We
apologize that Mr*** is a victim of this unfortunate fraudulent actWe
have provided him 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 disputed a hotel charge on her NetSpend card but did not receive a credit when she was told she wouldShe wants the money credited to her accountOn June 9, 2015, Ms
*** disputed a transaction from Days Inn for $We updated her disputes claim on the tenth business day, June 23rd, with no provisional credit issued because a disputes letter was not received explaining the reason for the claimThe claim was lost because the merchant provided documents to validate the chargeWe closed the disputes claim on July 21st, and we mailed a copy of the merchant documents to her the next dayNetSpend regrets the inconvenience that Ms*** experienced with the disputed transactionWe have provided her with our contact information should she have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Monday, February 12, 2018 To Whom It May Concern: We appreciate Ms*** ***’s additional comments. The documentation used in our investigation of Ms***’s dispute claim was emailed to her on February 2, 2018. Because the merchant was able to validate the transaction, we did not find that an error occurred. We attempted to reach Ms*** by telephone on February 9, and 12, 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, Billy. Should Ms*** contact our Customer Service Department, we have left notes on her account for her to be connected with Billy 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

Complaint: ***
I am rejecting this response because:
After after speaking with *** today he is still giving me incorrect information I am being told that I have been sent Farms by email twice to fill out and return I have given them two different email addresses and I have not received an email from them on either one of them they finally received a form by mail on March 7th and after talking to several people I was never told I need to fill out any forms until March 2nd I don't understand why it took them almost a month to send me any paperwork to be filled out
Regards,
*** ***

Friday, March 09, 2018To Whom It May Concern: Thank you for forwarding Ms***’ complaint to us. 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 card packaging prior to purchase.We attempted to reach Ms*** by phone and email on March and March 8, but unfortunately, we were unable to speak with herAn email was sent to Ms*** on March 9, outlining our actions to resolve her complaint. 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

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,
*** ***

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning her dispute claimOn April 26, 2016, Ms*** contacted us to report unauthorized transactions that posted on her accountWe immediately blocked her compromised card ordered her a replacement
cardWe opened a dispute claim and promptly began our investigationWe also informed Ms*** of the investigation timeframes afforded to financial institutions, under Regulation EWe concluded our investigation on May 10, with no error found and no credit issuedWe have reason to believe that the transactions were authorized and that Ms*** benefited from the transactionsA letter explaining the dispute decision has been mailed to the address on fileUpon receiving Ms*** complaint, we spoke with her on May to explain the dispute decisionShe provided additional details on her dispute claim that we relayed this information to our Disputes DepartmentAfter a reinvestigation, our Disputes Department confirmed the original claim decision of no error found.We have provided Ms*** our contact information should she have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company