Realcor Developments Ltd.

To Whom It May Concern: Thank you for forwarding Mr** ** *** complaint to usAs you requested, we addressed this matter directly with Mr** ** *** on February 2, 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

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a block on her account On July 13, 2016, Ms*** received a direct deposit on her NetSpend card. Our system recognized that she had a previous negative balance and we
automatically blocked the account until the balance could be recovered. A partial amount was collected and Ms*** was informed of the remaining balance owed. On July 28, Ms*** received another direct deposit and into her account. She contacted us to recover the remaining negative balance and to remove the block. In response to this communication, we spoke with Ms*** on July 28, and advised the block was removed after we recovered the negative balance associated with her previous account. Ms*** has full access to her funds 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 Thanks, *** *** Corporate Customer Response Team NetSpend A TSYS Company

Tuesday, October 3, 2017To Whom It May Concern:Thank you for forwarding Mr*** ***’s additional comments regarding complaint *** to us. Mr*** is requesting access to the remaining $on his Netspend Card Account. For the protection of Mr***’s Card Account, we validated his card is no longer active and cannot be used for any additional transactions. We ordered him a replacement card to be delivered to the address on file. We attempted to reach Mr*** on October 3, by telephone and by email, but unfortunately, we were unable to speak with him. The email we sent Mr*** outlined our actions to resolve his complaint. We also mailed Mr***’s a letter detailing the actions we have taken on his card account. His case has been assigned to a Corporate Customer Response Team Analyst, ***. Should Mr*** contact our Customer Service Department, we have left notes on his Card Account for him to be connected with *** to further assist him with his 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

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Mr*** mentions disputing a charge after his card was stolenHe desires a full refund for the disputed amountOn August 18, 2015, Mr*** reported his card as stolenWe ordered him a
replacement card and blocked the stolen cardHe also reported an unauthorized charge from SQ* *** *** for $We informed him that the transaction couldn’t be disputed until the merchant collected the fundsMr*** called back on September 4th to dispute the transaction in question after it postedWe informed him that an update on his disputes claim would be provided to him within ten business days, September 18thThe disputes claim was closed with a payout for the disputed amount on September 11thNetSpend understands that the disputes process is lengthyWe appreciate Mr***’s patience as we worked to retrieve his fundsWe 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*** ***’s additional comments regarding complaint # *** to usAs you requested, we addressed this matter directly with Ms*** on June 19, by way of telephoneWe emailed her the confirmation that Corporate Customer Experience Specialist ***, will contact her on June 21, with the update of her dispute claimThank 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 *** Escoto concerning the inconvenience she experienced with her dispute and the closure of her accountOn March 6, 2016, Ms*** disputed twenty-six unauthorized PIN and signature based transactions that
occurred on her NetSpend card through the website, www.nerspend.comOur Disputes Department closed her claim on March 18th and issued a full credit for all disputed charges. Our 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 March 18th. She is no longer eligible for NetSpend services as a resultThe factors that lead to the account closure are kept internal for security reasonsA check for the remaining funds on the account will be mailed to her address, and Ms*** will receive it within ten business days from the date, March 22nd. We reached out to Ms*** on March 21st, but unfortunately, we have not had the opportunity to speak with herWe will address her concerns when she returns our callNetSpend regrets the inconvenience that Ms*** experienced as a result of the closing 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:We received complaint # *** filed with your office by *** *** concerning the problems she experienced with transferring funds between her accounts On March 18th, 2016, Ms*** opened a Netspend account, but lost her cardShe opened another new account
while waiting for a replacement card to arriveMsScott requested to transfer funds to her new account immediately; however, for security reasons we were unable to approve the transfer due to her not having activated her permanent card yet. On March 22nd, I spoke with Ms*** to address her concernsI explained the reasons why the transfer of funds could not be completed and addressed the fees she was chargedWe are expediting her a replacement card to the address on file for her original account.NetSpend regrets the inconvenience that Ms*** experienced while attempting to transfer money between her accounts We have provided her 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 inconvenience that he experienced with using his prepaid debit cardHe does not want to provide personal information for a card that he has used in the pastOn September 7, 2015, Mr***
purchased a NetSpend prepaid debit card from the *** *** storeHe activated the temporary card for use, and we mailed a personalized card to his addressThe temporary card expires after days from the activation dateDuring this time, our cardholder should receive a personalized card, and activate itWe notify our cardholder to activate the personalized card days before the temporary card expires, but this notification causes a soft block on the accountThis block prompts our cardholder to call customer service so that they can be notified of the upcoming expiration of the temporary cardAt that time, customer service encourages the cardholder to activate their permanent cardWhen Mr*** loaded cash to his card on January 2, 2016, he was able to use it for days before his account was blockedOur customer service removed of the block on January 14th, and Mr*** can use his temporary card until it expiresWe reached out to Mr*** by telephone and email on January 13, 2016, but have not had the opportunity to speak with himWe will address his concerns when he returns our callNetSpend regrets the inconvenience that Mr*** experienced as a result of the temporary card blockWe have provided him our contact information should he have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Monday, June 13, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning her disputes claim. On May 8, 2016, Ms*** contacted us to open a disputes claim against two transactions that were overcharged on
her account. We promptly opened a dispute claim and began our investigation. We also informed Ms*** of the investigation timeframes afforded under Regulation E. Ms*** called on May to report several unauthorized transactions that posted to her account. We immediately blocked the card to prevent any further unauthorized use and ordered a replacementWe promptly opened a second dispute claim and began our investigation. On May 20, we determined that Ms*** was not eligible for provisional credit for her claim 2739418, but we are continuing our efforts to investigate the claimThe claim is scheduled to be finalized by July The results of the investigation will be sent to Ms*** in writing within business days of completing our investigation On June 3, we determined that Ms*** was not eligible for provisional credit for her claim 2756988, but we are continuing our efforts to investigate the claimTo help with our investigation, we requested her to provide a letter explaining why she feels an error was made on the unauthorized transactions Upon receiving her complaint, we spoke with Ms*** on June to discuss her claims. She provided us with the original documents she sent in to us for her first dispute claim. We were able to issue a provisional credit for the claim while we continue our investigation. We are still awaiting Ms*** to provide a letter with additional information and we will provide an update on her dispute claim once it is available. 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

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Mr*** states that the ATM did not dispense all the cashHe informed Skylight but the disputes claim was not started until he called backHe wants the remaining funds credited immediatelyOn
July 11, 2015, Mr*** called to tell us the ATM transaction only dispensed $out of the $requestedWe informed him to contact the ATM owner because they could refund the money fasterThat call disconnected before there was a resolutionFour days later he called back to initiate the disputes claimWe informed the claim would receive an update in ten business days, July 29thOn the tenth business day we issued a provisional credit for $to Mr***’s accountThe disputes claim will finalize in days, August 28thNo further action will be required since Mr*** has already received his funds, as long as the claim is successfulNetSpend understands that the disputes process is lengthyWe appreciate Mr***’s patience as we attempt to retrieve his fundsWe have provided him our contact information should he have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Wednesday, December 30, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a block that was placed on her card. She’s requesting the block to be removed immediately. On December 22, 2015, Ms*** used her card six
separate times at an ATM. As a protection for our cardholders, we block the card on the sixth ATM transaction. The cardholder can call customer service to confirm they are performing the transactions and we will provide options for deducting cash from the card. Our Customer Service assisted Ms*** the following day to remove the block. We reached out to Ms*** on December 30th by telephone and email. We have not had the opportunity to speak with her, but will address her concerns when she returns our call. NetSpend regrets the inconvenience Ms*** experienced with the blocking of her card. We hope she can appreciate the measures of protection we give our cardholders. 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: Thank you for forwarding Ms*** complaint to usAs you requested, we addressed this matter directly with Ms*** on March 28, 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

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a block on his account that was caused by an unusual transactionHe’s requesting for his account to be unblocked and a different method to be used to detect fraudulent activity.
Our Fraud Prevention Team regularly monitors account activity in order to provide a safe and secure product for all of our cardholdersOn December 17, 2015, a systemic block was placed on Mr***’s account due to an attempted transaction that required verification by the Fraud Prevention TeamTwo days later he called customer service to confirm the transaction was not authorized by him and was transferred to the Fraud DepartmentHe did not reach the department that day, but called back on December 21st and requested for our Customer Service to expedite a replacement card for a $card order fee Our Fraud Department verified Mr***’s identity on December 29th and removed the account block. On January 6, 2016, we reached out to Mr*** by telephone and emailWe have not had the opportunity to speak with him yet, but will assist with his concerns when he returns our callIn the meantime, we’ve reimbursed him for the card expedite feeNetSpend regrets the inconvenience that Mr*** experienced as a result of the block on his accountWe strive to prevent fraudulent activity and to protect our cardholder’s funds and hope that Mr*** can appreciate our effortsHe has been provided with my contact information should he have any further questions or concernsThank you, *** ** *** Corporate Customer Response Team 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
I spoke with Mr*** on the afteroon of 3/14/I informed him that my son recieved the refund check already so there was no
need to discuss the matter any further.
Regards,
*** ***

Thursday, March 8, 2018To Whom It May Concern:Thank you for forwarding Ms*** ***’ complaint *** to us. We attempted to reach Ms*** by way of telephone on March 7, and 8, 2018, but unfortunately, we were unable to speak with her. We sent an email to Ms*** detailing our
actions to resolve her complaint. Ms***’ case has been assigned to Corporate Response Team Analyst, ***. 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

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning a block that took place on her card that was caused by a previous negative balance She’s requesting the block to be removed in order to access her funds On January 7, 2016, Ms
*** contacted Netspend to make sure we would approve her tax refund to post with the knowledge that we would use the new funds to recover a previous negative balanceOn February 18th, our Recoveries Team recovered the balance owed and I spoke with Ms*** by telephone to inform her that her remaining funds are available for use.NetSpend regrets the inconvenience that Ms*** experienced while to havetrying to access to her tax refund We have provided her 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 her direct deposit that was returned back to the sender. On March 1st, *** *** contacted our Customer Service regarding a pending deposit on her account for *** *** Since we were unable to verify her identity information, MsMatias requested to have the deposit returned back to the sender Later that day, we received identification documents for MsFontanez, but the deposit was already returned. On February 2nd, I spoke with Ms*** to address her full concerns.NetSpend regrets the inconvenience that Ms*** experienced while attempting to have her deposit approved We have provided her 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: Thank you for forwarding Mr***’s complaint to usWe have removed Mr***’s name and address from our mailing list and he should not receive any future offers from any Netspend managed programsWe attempted to reach Mr*** by phone and email on October and
October 9, but unfortunately, were unable to speak with Mr***. We emailed him on October 9, outlining our actions to resolve his complaint. Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concern*** *** Customer Experience Analyst Netspend, a TSYS Company

Thursday, March 15, 2018To Whom It May Concern: Thank you for forwarding Ms*** 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 accountAfter review, we’ve determined that her claim is being handled correctly. We attempted to reach Ms*** by phone and email on March 14, but unfortunately, were unable to speak with her. An email was sent to Ms*** on March 14, outlining our actions to resolve her complaint. Her case has been assigned to a Corporate Customer Response Team Analyst, ***Should she contact our Customer Service Department we have left notes on his account for him 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 AnalystNetspend, a TSYS Company

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Ms*** mentions that her debit card was expired, and she could not use the funds that were given to her as a giftShe’s requesting either a refund check, or active card issued to her immediately
The temporary card that Ms*** received as a gift, expired on April 24, When she called us on August 10, 2015, we ordered her another card so she could access her fundsThat card was returned back to us on September 1st as undeliverable by the US Postal ServiceOn September 16th, we reached out to Ms***e by telephone and email, but we have not had the opportunity to speak with herOnce she contacts us to confirm the address, we will order a replacement card or send her a refund checkNetSpend regrets the inconvenience that Ms*** experienced while waiting on her replacement cardWe have provided her with our contact information should she have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company