Realcor Developments Ltd.

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a NetSpend Prepaid MasterCard offer sent to her minor child in the mailNetSpend 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 usThe 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 activatedIn response to this communication, we permanently blocked the card offer on July 1, Additionally, we have submitted a request to our Marketing Department to provide information concerning how her child’s name and address were obtainedWe will provide Ms*** with this information once it is receivedWe have also removed the child’s name and address from our mailing list and they should not receive any future offers from any NetSpend managed programsMs*** has been provided 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 she experienced with the blocking of her account and the pending of her remaining fundsOur Risk Management Team regularly monitors account activity in order to provide a
safe and secure product for all of our cardholdersOur Risk Management Team identified risk factors that led to the blocking of Ms*** account on January 27, 2016. Her account was notated with a request to send identification documents for further security verification. An email alert was sent to her about the account status. The documents Ms*** sent to us were unacceptable to remove the block. Her deposit from the IRS, which posted to her account, was pended by our Risk Management Team and they requested a review from the Internal Revenue Service. The IRS will determine if the remaining funds are returned to them or released to Ms***. We reached out to Ms*** on March 16th by telephone and email, but unfortunately, we have been unable 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 blocking of her accountWe 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: Thank you for forwarding Mr*** complaint to usAs you requested, we addressed this matter directly with Mr*** on January 26, by way of telephone, e-mail, or letterIf a letter has been sent, it should be received within the next five business days
Thank 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 her dispute claim Our September 24, Ms*** contacted our Customer Service Department to order a replacement card ending *** be sent to her address on file
Our records show Ms*** received and activated the card on October On October 7, 2016, Ms*** contacted us to report unauthorized transactions that posted to her account on October We immediately blocked her card to prevent any additional unauthorized use and ordered a replacement. We opened a dispute claim and promptly began our investigation. We also informed Ms*** of the investigation timeframe afforded under Regulation E On October 24, we concluded our investigation of Ms***’s dispute claim with no credit being issued to her account because we did not find an error occurredBased on our investigation, we have reason to believe that the transactions were authorized and that Ms*** benefited from the transactions A member of our Corporate Response Team spoke with Ms*** on October 31, to discuss the results of her dispute claimA letter detailing the results of our investigation will be mailed to her address on file. She should receive this letter within ten business days. 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

Friday, September 25, 2015To Whom It May Concern:We received complaint # *** filed with your office by *** ***. Ms*** mentions that her account was closed and a check was supposed to be mailed to her in business days. She desires the money to be sent to her or returned
back to her University. 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***’s accounts on August 10, 2015. She was informed that the account required additional security verification. The documents sent to validate her ID were unacceptable and the account was closed on August 13th. Ms*** is no longer eligible for NetSpend services. Our Risk Department is currently in discussions with the Associate Director of Student Receivables Operations at the University of Alabama. We await their instruction on returning the remaining funds from Ms***’s account. NetSpend regrets any inconvenience that Ms*** experienced as a result of her account closureShould she have any additional questions or concerns, she can call ###-###-####. Thank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Monday, December 12, 2016To Whom It May Concern:We received additional comments regarding complaint # *** filed with your office by *** *** concerning the activation of her daughter’s card. We appreciate Ms*** additional comments After speaking with her daughter, *** B ***, we confirmed the account closure We corrected the address on file and requested a new refund check She should receive this check within 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.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

Monday, May 22, 2017To Whom It May Concern:Thank you for forwarding Mr*** *** complaint # *** to us. Netspend reviewed Mr*** Card Account and expedited a card to his address on May 16, He activated that card two days later so he could gain access to his
funds We attempted to reach MrMalamisura on May and 22, by telephone and email, but unfortunately, we were unable to speak with himThe email we sent on May 22, outlined our actions to resolve Mr*** 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:I, *** *** do not accept the response because I had not had a Western Union Prepaid Card in the past, never has it been activated and still I never received a formal notice detailing the reason I would no longer be eligible for service with NetSpendIt is evident that there is some discrimination or an error on the behalf of the Risk Management Team.Your Risk Management Team's risk factor with an account on May 22, is not a valid for denying me service and for discriminationThe new prepaid card was issued to me this year and has not been activatedMy online account was also active and establishedAccording to the terms and agreement (https://www.wunetspendprepaid.com/account/terms/WU_NetSpend_Prepaid_MasterCard_...⇄ of the Western Union Prepaid card there is no valid reason for me to be ineligibleI would have to have an active Western Union Prepaid Card and had violated the terms and agreement of serviceIf NetSpends Risk Management Team decides to discriminate or deny service then as a consumer the details as to why on an account from May 22, would have to be disclosed.The statement made that the card will remain the property of the Issuer is a one and is the sole property of myself *** ***You have no rights over me nor my possession of the card after it had been issued to myselfI even attached an image of the card that I recevied
Regards,
*** ***

Complaint: ***
I am rejecting this response because: After they had said what documents they needed I provided them with it then they said they couldn't use itand made me send more documents in I sent them a title to a vehicle that was not days old I sent them a vehicle registration that was not days old I sent them about different proof of residence and they did not accept itafter I told them I contacted the Revdex.com, *** *** ** *** and I was filling out a trustPilot against the companyThey gave me a run around for days and when the card was activated all of the money that was loaded on the card was not thereI was disputing the amount of that would be for the money deposited and the cost of the cardwe also received another netspend card in the mail that we did not requestand we previously have received multiple other cards from the company that we did not request for a dead person they sure are sending a lot of cards out
Regards,
*** ***

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning a transaction on her account On June 28, 2016, we received an authorization request from *** *** to hold $ Because the available balance at the time was not enough to cover
the $authorization hold, instead of declining the transaction due to insufficient funds, we sent a response to *** ***, approving a partial amount for $The funds were held in reserve status pending collection by *** ***.Later that same day, Ms*** contacted us and reported that the transaction was declinedWe asked her to send us written documentation confirming that the transaction was declined so that we could release the pending authorization.If a cardholder requests a release before we receive the merchant’s settlement request, we require written confirmation from the merchantWe request confirmation for the protection of our cardholders as well as merchants who, having received authorization for a transaction, have the right to collect for legitimate transactions.On July 6, we spoke with Ms*** because the transaction was still pendingMs*** advised that the transaction was cancelledWe released the pending transaction back into her available balance and advised that this is not a stop payment.We have provided Ms*** with our contact information and she he need any further assistance 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
It just should never have taken this long and it wasn't till Revdex.com got involved that any thing started to happen as I never had one response to all my inquires the check arrived today
Regards,
*** ***

Friday, December 18, 2015To Whom It
May Concern:We received complaint # *** filed with your office by *** *** concerning the disputes
claim that she opened for unauthorized transactions that were made on her
account. She’s requesting to be refunded
for the unauthorized
transactionsOn October 5, 2015, Ms***
disputed eight unauthorized transactions that occurred on her NetSpend card
during the timeframe between September 30th and October 4th. We informed her that an update would be
provided within ten business days, October 20th. On the tenth business day, our Disputes
Department closed the claim with no error found on the disputed transactions,
and no funds were reimbursed to the account. Ms*** requested the documents used to support our claim
decision, and they were sent to her inbox in our online account center on
November 5th. We spoke with Ms*** on December
18th concerning the closed disputes claim. We explained the reasons for the closing of
her disputes claim. We also informed
that she received a payout for her second claim started on December 3rd. We expedited a new card since she advised
that a replacement card was not received. She will receive this card within three business days NetSpend regrets the inconvenience that
Ms*** experienced as a result of the disputes claim decisionWe have
provided her our contact information should she have any additional questions
or concerns. Thank you,*** ** ***
Corporate
Customer Response TeamNetSpend A
TSYS Company

Friday, June 16, To Whom It May Concern: Thank you for forwarding Mrs*** ***’ complaint # *** to usAs you requested, we addressed this matter directly with Mrs*** on June 16, by way of telephoneWe emailed Mrs*** the details on her accounts 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

Complaint: ***
I am rejecting this response because:
I didn't authorize any pin or signature transactions as I was incarceratedI still divvy have a netspend cardIt was activated and then I was incarceratedI've not used muy card other than its activation!!
Regards,
*** ***

To Whom It May Concern: We received additional comments on complaint # *** filed with your office by *** *** concerning unauthorized bill pay transactions on her NetSpend accountShe’s requesting a follow up on her disputeOn March 3, 2016, we spoke with Ms*** and addressed her concerns. Her dispute filed with the Bill Pay Company was marked as a fraud case, but the check had already been cashed and no funds were recovered. We gave the payee information to Ms*** so she could file a police report with her local authorities. We also issued a courtesy credit to her account. NetSpend regrets the inconvenience that Ms*** experienced as a result of having her computer stolenWe 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 *** ***Mr*** states that he has not been able to use the NetSpend card he purchasedHe wants his money returned and not pay a fee for a refund checkNew and existing accounts are reviewed regularly
by our Risk Management Department in efforts to prevent potential account compromising activity, and to ensure that all account activity is compliant with regulationsMr***’s account triggered a block caused by our Risk Management Department on March 1, The details that triggered the block are kept internal for security reasonsIn order to remove the block, our Risk Management Department requested documents to validate his identitySince he does not want to send the required documents, we will mail him a check for the remaining funds on May 15thNetSpend regrets any inconvenience Mr*** experienced while trying to use his cardHe has been given our contact information should he have any additional question or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

there should not be any additional funds holding because, the merchant is already holding a $dollar depositPlus an additional 15% from netspend Does not seem legalWhat is the purpose of the additional 15%? Complaint: ***
I am rejecting this response because:
Regards,
*** ***

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning the sharing of his information and the closure of his account. We are required 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 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 in the information provided with the card offer.On March 26, 2016, Mr*** contacted our Customer Service Department to activate his card, but we were unable to verify his identity using the information he provided We asked him to provide identifying documents, which we received on March Mr*** activated his card the following day.On April 11, 2016, Mr*** visited his online account center and requested the closure of his account We closed the account on April We also informed Mr*** that as described in his privacy notice, we do not share cardholder information with non-affiliatesHe may view the latest Privacy Policy at www.netspend.com Mr*** was 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 a card he has not received. On March 17, 2016, Mr*** requested a NetSpend card while filing his taxes Mr*** contacted us on April to report that his card has
not been received A new card was ordered and mailed to the Mr***’s address on file On May 20, Mr*** contacted us again to report that he has still not received his card We confirmed his address and requested a new card to be sent to his address on file Mr*** contacted us on June to report that his card was not received again We expedited a new card to be mailed to his address on file.Upon receipt of his complaint, we attempted to contact Mr*** on June 15, but have not had the opportunity to speak with him After review of Mr***’s account, we can confirm that he activated his card on June 18. 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 *** *** concerning the problems she has experienced with her dispute She’s requesting to be credited for the disputed items. On February 11, 2016, Ms*** opened a dispute claim for unauthorized
transactions on her cardOn the 10th business day of her claim, our Disputes Department notated her account and provided an update advising that it was still under review, but will be resolved by April 12th No provisional credit was issued for Ms*** disputes claim as a result of not receiving her letter of dispute within the first business days of her disputes claim On March 1st, Ms*** contacted us and sent her letter of disputeOur Disputes Team attached the letter to her claim and advised that the claim will proceed accordingly set by Regulation E guidelines.NetSpend regrets the inconvenience that Ms*** experienced while waiting for a resolution to her claimWe have provided Ms*** with our contact information should she have any additional questions or concerns Thank you,*** ***Corporate Customer Response TeamNetSpend A TSYS Company