Realcor Developments Ltd.

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning her card activationWe 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 inside flap of the card package and is visible to consumers prior to purchaseThe card package also states that use of the card is limited prior to identity verification and the fees are listed on the outside cover for viewing before purchasingOn June 17, 2016, Ms*** attempted to activate her new account, but her identity information could not be automatically verifiedWe requested her to send documentation to verify her identityUpon receiving her complaint, we spoke with Ms*** on June 20, and we requested for her to send clearer copies of her identification documentsWe received her documents on June and fully approved her account for useWe apologize for the service that Ms*** experienced with our Customer Service DepartmentWe have reported this incident to the management staff of the customer service agent she spoke with.We 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 *** ***, concerning a card that was mailed to her in her
maiden name that she did not orderShe’s requesting for NetSpend to contact
her and provide details concerning how her information was obtained
NetSpend works with third party marketing
partners that provide us with information for consumers who may need a service
like our prepaid debit cardWe mail those consumers card offersThe card
offer is not active and the card cannot be used unless activatedOur
activation verifies the identity of each potential cardholder as a part of our
Customer Information ProgramThis ensures that the card can only be used by the
intended recipientDuring the offer activation, we collect social security
number and date of birth to verify identity onlyThere is no credit check
involved because our Prepaid Debit Card is not a credit card. The primary cardholder must be at least
years of age. On November 10, 2015, we reached out to Mrs
*** by telephone and email. We
requested additional information so that we could locate the card offer that
was sent to her. Once we receive the
requested information from her, we will be able cancel that card offer and
update our systems to prevent future card offers from being sent to her. Additionally, we will submit a request to our
Marketing Department in order to obtain information on how her name and address
was obtained. We regret any inconvenience Mrs***
experienced as a result of this card offer. She has been given 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 her dispute claim. On January 11, 2017, Ms*** contacted us to report unauthorized transactions that posted to her Card Account from November 14, until December
8, 2016. Ms*** previously reported the card as stolen and it was blocked on December 29. We ordered a replacement card for her the same day. We opened a dispute claim and began our investigation. We also informed Ms*** of the timeframe afforded under Regulation E. We concluded our investigation on Ms*** dispute claim on January 26, 2017, 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 Ms*** benefited from the transactionsA letter detailing the results of the investigation will be mailed to Ms*** address on file and should be received within business days A member of our Corporate Office reached out to Ms*** on February 13, unfortunately we have not had the opportunity to speak with her. Ms*** responded to our email communication with additional information regarding her dispute claim that we relayed to our Dispute Resolution Department. After our reinvestigation of her dispute claim, we have issued full reimbursement for the disputed transactions During the investigation of Ms*** claim, we identified several risk factors associated with her card accountDue to these concerns, our Risk Management Team closed her account on February 16. These risk factors are not shared with consumers for security reasons and Ms*** is no longer eligible for products managed by NetSpend. A check for the remaining account funds will be mailed to Ms*** address on file. She will receive the check within ten business days. We apologize 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*** has been provided with our contact information should she have any additional questions or concerns. Thank you, *** ** *** Customer Experience Specialist NetSpend A TSYS Company

Tuesday, June 7, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning the closure of his account. On May 18, 2016, Mr*** disputed several unauthorized transactions that posted to his account We promptly blocked his card to prevent any further unauthorized use and ordered a replacement. We immediately opened a dispute claim and began our investigation. We also informed Mr*** of the investigation timeframes afforded under Regulation E. Mr*** requested to close his account and a refund check for the remaining account balance was mailed to his address on May 19. We concluded our investigation of Mr***’s dispute claim on June and no credit was issued because we were did not find that an error occurredA letter explaining the conclusion of his dispute was mailed to his address on file. Due to risk factors that were identified during the investigation, we also determined that Mr*** is no longer eligible for products managed by NetSpend. Upon receiving Mr***’s complaint, we spoke with him on June to discuss his dispute claim. Mr*** provided additional information for our Disputes Department to review. After our reinvestigation, we concluded that our original decision remains the same. 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

Tuesday, December 15, 2015To Whom It
May Concern:We received complaint # *** filed with your office by Jared *** concerning the verification required to
post his deposit. He’s requesting his funds to be
released. On December 7, 2015, NetSpend received an ACH
(Automated
Clearing House) deposit for Mr*** that exceeded the maximum
limit of the account. We requested
documentation, such as pay stub or an award letter, showing the exact amount of
the deposit. Our Electronic Funds
Department reviewed the deposit and posted it to Mr***’s account on
December 9th. NetSpend regrets the inconvenience Mr***
experienced while waiting on his ACH deposit to post to his account. We have provided him our contact information
should he have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern: Thank you for forwarding Ms*** additional comments to us We reviewed Ms*** card account and our records indicate the check mailed on May 16, was returned on June 01, due to an invalid address. The address information has been updated and a replacement check was sent on June 06, We attempted to contact Ms*** on June 6, by way of telephone. Unfortunately we were unable to speak with her regarding the refund check. We emailed her the additional information concerning the refund check 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

To Whom It May Concern: Thank you for forwarding Ms*** complaint to usAs you requested, we addressed this matter directly with Ms*** on August 31, by way of e-mailIf 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 *** ***Ms*** states that she could not transfer money to the Skylight card from her bankShe used a convenience check for the remaining account funds, but her bank returned it as insufficient fundsShe
wants the balance and bank fee refunded to herOn June 29, 2015, we communicated with Ms*** by emailThe convenience check was never approved before she deposited it to her bankAs she requested, we closed her Skylight account and processed a refund checkShe will receive the check within twenty business daysNetSpend regrets the inconvenience Ms*** experienced with the Skylight PaycardWe have provided her our contact information should she have additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Friday, September 9, 2016To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning her disputes claim On August 19, 2016, Ms*** contacted us to open a disputes claim for funds transferred from her account We promptly opened a dispute
claim and began our investigation We also informed Ms*** of the investigation timeframes afforded under Regulation E We concluded our investigation of Ms***’s dispute claim on September 6, and no credit was issued because we did not find that an error occurredWe have reason to believe that the transaction was authorized and that Ms*** benefited from the transaction The security verification required to complete a cardholder transfer was passed before the funds were transferred from Ms***’s account A member of our Corporate Customer Response Team spoke with Ms*** on September 7, and informed her of the results of her claim The dispute closure letter was emailed to her secure inbox in the online account center and a copy was mailed to her address on file 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 *** ***Mr*** states that he has not received his income tax return in the amount of over $30,from NetSpendHe’s requesting the money to be returned to himOn September 29, 2015, we reached out to
Mr*** by telephone and email, but have not had the opportunity to speak with himAs mentioned in complaint number *** to Mrs***, we need to speak with Mr*** since he is the only one listed on the accountWhen he responds to our correspondence, we can further assist with his concernWe have provided our contact information, so that Mr*** can reach us with any 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,
* *

Complaint: ***
I am rejecting this response because: Not true that I did not respond to them. Attached is their e-mail to me and my immediate response. To date, my funds have not been returned so no resolution as far as I am concerned with be satisfactory at this point in time.
Regards,
*** ***

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning funds on her cardOn October 4, 2016, Ms*** attempted to activate her new NetSpend card. Our system recognized her information being associated with a previous account
that had a negative balance and automatically blocked the account until the balance could be recovered In response to her communication, we spoke with Ms*** on October and explained the previous account created with her identity information was closed in due to having a negative balance. Ms*** is no longer eligible for NetSpend managed productsA refund check will be mailed to her address on file. She should receive the funds within business days Because Ms*** was unaware of the previous account and someone other than her was able to provide her information, we recommended she contact the Federal Trade Commission (FTC) to report identity theft. She can contact the FTC at www.ftc.gov/idtheft or by calling ***. The FTC will provide a walk-through on how to report ID theft to credit bureaus, police, and any other affected financial institutions. We apologize for the poor 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 withWe 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

Wednesday, March 07, 2018To Whom It May Concern: Thank you for forwarding Ms***’ complaint to us. We would like to express our condolences for her recent loss.The Social Security Administration (SSA) sent us a death notification for the Social Security benefits sent to the account
under the name, *** ***. We are required to close the card account and place the remaining funds on hold until we receive a Notice of Reclamation from the Federal Government. If a reclamation is not received after days, the funds can be released to the executor of the estate once appropriate documentation is received. As you requested, we addressed this matter directly with Ms*** on March 7, 2018, by way of e-mailWe provided her with further insight regarding the Death Notification we received. 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 complaint # *** filed with your office by *** *** concerning her dispute claim On January 12, 2017, Ms*** contacted our Customer Service Department to report an unauthorized ATM withdrawal that posted to her accountWe immediately
blocked her card to prevent further unauthorized activity and ordered her a replacement cardWe opened a dispute claim and promptly began our investigation. We also informed Ms*** of the investigation timeframe afforded under Regulation E On January 25, we concluded our investigation with no credit being issued to Ms*** account because we did not find an error occurred. We have reason to believe that the transaction was authorized and that Ms*** benefited from the transaction. A member of our Corporate Response Team spoke to Ms*** on February 1, regarding her dispute claimA letter detailing the results of our investigation was mailed to the address on file. Ms*** should receive this letter within 7-business daysOur records indicate that Ms*** card account is set up on our Premiere Fee Advantage PlanThe Premiere Fee Advantage Plan, includes a $monthly fee that is assessed to the card accountOur alternative or default fee plan is a Pay As You GoThe Pay As You Go fee plan charges a $fee for signature purchases and a $fee for purchase using the PIN. Both fee plans include ATM withdrawal fees that are assessed per the card account terms and conditions. As a courtesy, we have refunded Ms*** card account the overdraft fee that was assessedWe 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: We received complaint # *** filed with your office by *** *** concerning monthly maintenance fees that were charged to a card given to her as a giftShe’s requesting to be reimbursed for the maintenance fees. The card given to Ms*** was purchased on
December 8, Per the terms and conditions of Ms***’s debit card account, a $account maintenance fee is applied each month after days of account inactivityThe packaging that the card comes with has important information that notifies the consumer of basic fees that are associated with the cardWe also disclose on the front of the card packaging that the NetSpend card is not a gift cardWe spoke with Ms*** on December 23, and resolved her concernsNetSpend regrets the inconvenience that she experienced with our productWe 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

Friday, September 8, 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 1, and 8, by way of telephoneWe corresponded with Ms*** by email
detailing the actions taken on her account to resolve her concernsWe are reviewing her merchant disputeHer case has been assigned to Corporate Customer Experience Team Member ***, and he will respond to Ms*** with the results of our reviewThank 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*** states that over a thousand dollars was fraudulently stolen from her account and she did not get immediate assistanceShe wants her money returnedOn May 30, 2015, Ms*** called to
dispute several unauthorized charges on her NetSpend cardWe blocked the compromised card and ordered her a replacementWe updated her disputes claim on the tenth business day, June 12th, with a request for a written letter of disputesWe issued a provisional credit for the amount of the transactions on June 17thWe are still waiting on the letter explaining the details of her disputes claimNetSpend understands the disputes process can be a lengthy oneWe appreciate Ms***’s patience while we attempt to retrieve the funds for her disputes claimWe have provided her 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:
The telephone company cut my phone off on September 3rd because they said the charges had been reversed and my financial institution had the fundsI explained that to the the person who sent you the respobse Mr***He said well we have until october to release the funds and complete our investigationMy question is why are they holding on to my money without releasing it to me
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is accepted
Regards,
*** ***