Realcor Developments Ltd.

Thursday, December 31, 2015To Whom It May Concern:We received complaint # filed with your office by Larry *** concerning a disputes claim that was filed with our company. Mr*** is requesting to receive a credit for the amount of $for the broken merchandise he receivedOn
December 19, 2015, Mr*** contacted us to report that he was having problems receiving a refund from BJs.com for faulty merchandiseWe opened a claim for Mr*** and advised him of the date he would receive an update.We attempted to speak with Mr*** on December 30th and 31st to address his concernsWe have closed the claim due to the merchant issuing a refund on December 30thWe have provided him 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:
Regards,
*** ***

To Whom It May Concern: We received additional comments regarding complaint # *** filed with your office by *** *** concerning her card accountWe reviewed Ms*** additional comments. Our records indicate we mailed Ms*** refund check to the address on file on March 15, 2017. She should receive the check within business days. If Ms*** does not receive her refund check we will research accordingly. To prevent check fraud, it is our policy to allow business days before reissuing a replacement check. We have provided Ms*** with our contact information should she have any additional questions concerning this matter. Thank you, *** *** Customer Experience Analyst Netspend, a TSYS Company

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning an ACH debit from her account by Gas SouthShe’s requesting reimbursement for the disputed transaction. On February 16, 2016, Gas South charged Ms***’ account in the amount of
$The charge was performed by an ACH (Automated Clearing House) transactionThe same day, Ms*** disputed the transaction and our Customer Service Representative emailed her the forms to dispute the ACH debit and request a stop payment on future charges. On the tenth business day, March 1st, our Disputes Analyst notated her claim that no documents have been received and we need the required forms from Ms*** to proceed with her claim. We reached out to Ms*** on March 3rd, by telephone and email. We have not had the opportunity to speak with her, but will address her concerns when she returns our callWe resent the required forms to her so she can fill them out and return them by email to be applied to her claim. NetSpend regrets the inconvenience that Ms*** experienced as a result of the ACH debit from Gas SouthWe have provided her with our contact information should she have any additional questions or concerns. Thank you, *** ** *** Corporate Customer Response Team 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 to financial institutions, 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. Our Risk Management Team closed Mr***’s account on June We concluded our investigation of Mr***’s dispute claim on June and no credit was issued because we were unable to identify that an error occurredWe have reason to believe that the transactions were authorized and that Mr*** benefited from the transactions. Due to risk factors that were identified, 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

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a NetSpend card she was unable to activate and use. To help the Federal Government fight against funding terrorism and money laundering activities, federal law requires all financial
institutions to obtain, verify, and record information that identifies each person who opens a prepaid debit card accountWhen our cardholders open a card account or add a secondary cardholder, we will ask for their name, physical street address, date of birth, and other information that will allow us to reasonably identify them. This information can be found on the outside of our card packaging and at the website, www.netspend.com. On April 3, 2016, Ms*** provided information to activate her NetSpend card, but it did not approve automatically. Our Customer Service informed her that we would need identity documents to manually approve the account. The documents she sent were not acceptable to approve the account. We spoke with Ms*** on April 5th and reviewed the documents she sent to us to verify the address on the account. Since the address first entered was not an address she resides at, the documents were not accepted as verification. We apologize for any misinformation she was given. We will not make major changes to the address for the initial days of the account. We are sending Ms*** a check for the remaining funds on the account that she will receive within ten business daysNetSpend regrets the inconvenience that Ms*** experienced with the attempted activation of her card. We have provided her 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 *** *** *** states that he waited days for his card and he got an email that it was reported stolenHe wants immediate access to his fundsOn April 15, 2015, *** *** ordered a NetSpend
card when he filed his taxes through Turbo TaxA card was mailed to the address he providedThat card was returned to us as undeliverable on May 12thWe blocked it as lost and stolen so it could not be usedThe next day *** *** contacted us and corrected the zip code for the addressWe rushed another card to him and he gained access to his funds on May 15thWe emailed *** *** about the $feeWe show no fee for that amount on the accountNetSpend regrets the inconvenience *** *** experienced while waiting on his card to be deliveredHe has been given my 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 Rosemarie *** concerning Netspend Card Account she received as a gift 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 them. The requirement to obtain this information is displayed on the inside flap of the Card Account package and is visible to consumers prior to purchase. Our package also informs the buyer that the person activating the card must be at least years of age and that this is not a gift card. On January 5, 2017, Ms*** contacted our Customer Service Department to activate her new Netspend Prepaid Card Account. We were unable to automatically verify her identity to approve the Card Account. We converted Ms*** Card Account to a ‘Limited Use’The ‘Limited Use’ option allows the card to be used for in-store purchases and PIN based transaction only. Once all the funds are dispensed, the card can be destroyed because it cannot be reloaded. A member from our Corporate Office reached out to Ms*** on March 2, and informed her the funds had been spent on January We have provided Ms*** with our contact information should she have any additional questions or concerns. Thank you, *** *** Senior Customer Experience Analyst Netspend, a TSYS Company

To Whom It May Concern: We received additional comments on complaint # *** filed with your office by Maria *** concerning a block on her account due to a credit from a merchantShe’s requesting access to her funds. Our Fraud Prevention Team regularly monitors account activity in order to provide a safe and secure product for all of our cardholdersOn February 10, 2016, a systemic block was placed on Ms*** account after United Vacations credited her card $In the event that a refund takes place on a NetSpend account with no corresponding debit, it’s our policy to request a copy of the original purchase receipt in order to authenticate the refundThis policy is in accordance with our responsibilities under the VISA processing rulesWe received acceptable documents the next day and the block was removed. We reached out to Ms*** by telephone and email on February 19th, but unfortunately, we have not had the opportunity to speak with her. We will address her concerns when she returns our call. NetSpend regrets the inconvenience that Ms*** experienced as a result of the block on her accountShe has my contact information should she have any further questions or concernsThank you, *** ** *** Corporate Customer Response Team NetSpend A TSYS Company

Wednesday, February 22, 2017To Whom It May Concern:We received complaint * *** filed with your office by *** *** concerning his dispute claim On February 3, 2017, Mr*** contacted us to report a transaction that posted on his Card Account by the merchant, Boost Mobile We
promptly opened a dispute claim and began our investigation We also informed Mr*** of the investigation timeframe afforded under Regulation E. On February 17, we determined that Mr***’s dispute claim was not eligible for a provisional credit, but we are continuing our efforts to investigate the claim The claim is scheduled to be finalized by the end of the day on March The results of the investigation will be sent to Mr*** in writing within business days of completing our investigation A member of our Corporate Office reached out to Mr*** on February 22, to explain the dispute process We informed Mr*** via email when he can expect the next update on his dispute claim 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,*** ***Customer Experience SpecialistNetspend, a TSYS Company

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning her dispute claim. On September 28, 2016, an individual identifying themselves as Ms*** initiated an account-to-account transfer of her funds to another cardholder’s
account.Approximately one hour later, Ms*** contacted us to report that an unauthorized account-to-account transfer had been made from her account earlier that day We promptly opened a dispute claim and began our investigationWe informed Ms*** of the investigation timeframe afforded under Regulation EWe also disabled the account-to-account transfer feature on Ms***’ account to prevent further unauthorized transactions.On October 13, we concluded our investigation of Ms***’ claim and provided her full reimbursement for the transactionA member of our Corporate Response Team spoke with Ms*** on October 13, and confirmed that we reimbursed her account.We understand how frustrating it can be to experience unauthorized transactions on your accountNetSpend is very committed to providing a safe and secure product. 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

Thursday, April 5, To Whom It May Concern: Thank you for forwarding Mr*** *** 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 Mr*** dispute claim and we’ve determined that his claim is being handled correctlyAs you requested, we addressed this matter directly with Mr*** on April 5, by telephoneWe sent an email to Mr*** detailing 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

Friday, February 2, 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 card packaging also contains a disclaimer regarding the age requirement to activate a card. We attempted to reach Ms*** by telephone on February 2, 2018, but unfortunately, we were unable to speak with her. We emailed Ms*** the actions taken to resolve her concerns. Thank you for bringing this matter to our attention.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 ***, and find that this resolution is satisfactory to me
Regards,
*** ***

Monday, July 18, 2016 To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning a NetSpend card offer that was sent to her daughter who is a minor. NetSpend relies on affiliate marketing services as a source for reaching potential new
customers and card 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 informationBecause NetSpend feels strongly about customer privacy, we only contract with marketing affiliates that have collected the information from willing consumers years of age and older and have received permission to share it with us.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 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 Response Team reached out to Ms*** on July 15, 2016, to discuss her concerns At her request, we permanently blocked the card offer and removed the last name *** and address from our mailing list so she should not receive any future offers from any NetSpend managed programs NetSpend regrets any inconvenience that Ms*** and her daughter experienced as a result of this card offerMs*** has been provided 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 closure of her account. On July 6, 2016, Ms*** contacted our Customer Service Department to dispute several transactions that posted to her account. We
immediately blocked the card to prevent any further unauthorized use and ordered a replacement card with expedited shipping to her address. We promptly opened a dispute claim and began our investigation. We also informed Ms*** of the investigation timeframes afforded under Regulation E. We issued a provisional credit to Ms***’s account on July 20, while we continued our investigation. The claim is scheduled to be finalized by August 19. The results of the investigation will be sent to Ms*** in writing within three business days of the deadline date On July 20, our Risk Management Team closed Ms***’s account due to risk factors that were identified during our investigation. As a result, Ms*** is no longer eligible for products managed by NetSpend. On August 09, a refund check was mailed to Ms***’s address on file and she should receive her check within ten business days A member of our Corporate Response Team attempted to contact Ms*** to discuss the closure of her account and the status of her funds, unfortunately we have not had the opportunity to speak with her 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 with We 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

Tuesday, April 25, To Whom It May Concern:Thank you for forwarding Mr*** *** complaint # *** to usAs you requested, we addressed this matter directly with Mr*** on April 25, by way of telephoneThank you for bringing this matter to our attention and giving us
the opportunity to resolve our cardholder’s concernMr*** has been provided with our direct contact information should he have any additional questions concerning this matterThank you, *** ** ***Customer Experience Specialist Netspend, a TSYS Company

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 8, 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

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,
*** ***

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, as long as I receive my refund
Regards,
*** ***