Realcor Developments Ltd.

To Whom It May Concern: Thank you for forwarding Ms*** complaint to usAs you requested, we addressed this matter directly with Ms*** on July 3, 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

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning his mother’s accountWe reached out to Mr*** on June 28, 2016, but unfortunately, we have not had the opportunity to speak with himWe informed him by email that we are not able to
provide details about his mother’s account if he is not listed as an authorized user on her accountWe reached out to his mother and assisted her with gaining access to her fundsWe have provided Mr*** with 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 Mr*** complaint to usAs you requested, we addressed this matter directly with Mr*** on December 4, 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

Complaint: ***
I am rejecting this response because:
I don't agree with what was told to meI still feel like they stole my money, and I will not deal with this company anymoreSo there is no need for further contact with this company.
Regards,
*** ***

Wednesday, November 23, 2016To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning her dispute claim. On November 4, 2016, Ms*** logged into her online account center to report an unauthorized transaction that posted to her accountWe
immediately blocked her card to prevent any additional unauthorized use We promptly opened a dispute claim and began our investigation We informed Ms*** of the investigation timeframe afforded under Regulation E.A member of our Corporate Response Team spoke with Ms*** on November 23, regarding her dispute claimWe have issued Ms*** a provisional credit while we continue with our investigation of her dispute claimAt the conclusion of Ms***’ claim, we will mail her a letter detailing the results within business days.We understand how frustrating it can be to experience unauthorized activity 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

Thank you for getting back with meit's more so to make people aware what they do and how they lie afterwards in an attempt to cover up their wrongdoing or their ways of operating that will cost a person in more ways than just an inconveniencebut yet never answered my question and still trying to preserve an image of a good businessall while trying to use security as staple for the reason but that wasn't it a picture is worth a thousand words and those I provided! However I did already received the check and have since cashed it but its still the principal that I want it on their record of how they operate. thank you for your time and help

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 - in part I am satisfied that there was no identity theft and that the offer is now blocked.The issue remains concerning the mailing that I received from them without identification that it was an unsolicited offer for a pre-paid debit cardIf it had stated such on the materials that accompanied the credit card (that was preprinted with my full legal name), I would have never activated the cardI thought it would be a rebate credit card from a recent purchase and without that clarification on the mailed offer, it was mistaken for the anticipated rebate credit card. That type of marketing is deceptive.
Regards,
*** ***

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a card she has not received. She’s requesting to receive a NetSpend card delivered to her work address. On January 28, 2016, Ms*** ordered a new NetSpend card after
reporting her old card as lost. She contacted us on February 5th, to inform us that she did not receive her card and could not access her direct deposit. Customer Service explained that the timeframe of ten business days to receive a card order would expire on February 11th. We spoke with Ms*** on February 15th and addressed her concerns. We expedited a card order that she received and activated two days later. NetSpend regrets any inconvenience that Ms*** experienced with receiving the card to her addressShe has been given our contact information should she have any additional questions or concerns. Thank you, *** ** *** Corporate Customer Response Team NetSpend A TSYS Company

Tuesday, April 18, 2017To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning his dispute claim On March 4, 2017, Mr*** contacted us to report an ATM mis-dispense that occurred on his Card Account We promptly opened a
dispute claim and began our investigation We also informed Mr*** of the investigation timeframe afforded under Regulation E A member of our Corporate Office reached out to Mr*** on April 17, to provide further insight about his dispute claim We informed Mr*** through email that his dispute claim would be updated by the end of the business day, April 18, On April 18, Mr*** received full reimbursement for the disputed transaction, including the fees he was assessed We mailed a letter explaining the resolution to Mr***’s dispute claim to the address on file. We have provided Mr*** with our direct contact information should he have any additional questions concerning this matter Thank you, *** ***Customer Experience AnalystNetspend, a TSYS Company

Monday, July 03, 2017To Whom It May Concern:Thank you for forwarding Mr***’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 accountWe’ve reviewed Mr***’s dispute claim and complaint that PVC was not providedAfter review, we’ve determined that his claim is being handled correctly. As you requested, we addressed this matter directly with Mr*** on July 3, by way of e-mailWe provided him with further insight on the dispute processThank you for bringing this matter to our attention. Thank you, *** ***Customer Experience AnalystNetspend, a TSYS Company

To Whom It May Concern:We received complaint # *** filed with your office by *** * *** concerning the inconvenience that he’s experienced with activating his cardHe’s requesting to be refunded for the funds that were loaded to his card.I attempted to contact Mr*** on December 21st
and 22nd, via the phone number that’s listed in his Revdex.com letterUnfortunately I have not had the opportunity to speak with himOur card packaging does provide critical information as to how our product should be usedAdditionally, it states that the prepaid card is not a gift cardI’m unable to locate an account with the information that’s provided in his Revdex.com letterI hope to speak with Mr*** to address his concerns, and assist him with accessing any funds that were added to his card We apologize for the inconvenience that Mr*** has experienced with our product I have provided him with my contact information should he have any additional questions or concerns Thank you,
*** ***Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern: Thank you for forwarding Ms*** ***’s complaint *** to us Netspend relies on affiliate marketing services as a source for reaching potential new customers and card offer recipients’ information is acquired through these business relationships
A 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 We attempted to reach Ms*** on September 28, and October 3, by telephone, but unfortunately, we were unable to speak with her. We sent Ms*** an email on September 29, and outlined our actions to resolve her complaint We have also removed Ms***’s name and address from our mailing list and she should not receive any future offers from any Netspend managed programs. We submitted a request to our Marketing Department to provide information concerning how the name and address was obtainedWe will provide Ms*** with this information when it is 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 Specialist Netspend, a TSYS Company

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Ms*** mentions her inconvenience of using the NetSpend cards that she purchasedShe’s requesting access to the cash that she loaded onto her cardsOur Risk Management Department
regularly monitors our customer’s accounts in efforts to prevent compromising activity, or unacceptable account usageOur Risk Department identified unusual account activity that led to the blocking of Ms***’s card on July 19, We requested documentation to verify her identity as a security precautionWe spoke with Ms*** on August 13th concerning her blocked accountShe’s confirmed that the account activity on both NetSpend cards was performed by herMs*** also informed us that the merchant location where she purchased the cards, reimbursed her for the full amounts that she loaded onto both of her cardsTo date, August 13th, we have not received the requested documents from Ms***, and will reimburse the merchant location that refunded herNetSpend regrets the inconvenience that Ms*** experienced with the usage of her cardWe have provided her with our contact information should she have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Wednesday, May 24, To Whom It May Concern:Thank you for forwarding Ms*** *** complaint # *** to usAs you requested, we addressed this matter directly with Ms*** on May 19, by way of telephoneShe informed us that the deposit posted to her Card Account
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

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning fraudulent activity that occurred on her account On April 4, 2016, someone claiming to be Ms*** contacted our Customer Service Department to change the address on file and
expedite a replacement card Security verification was completed and a new card was shipped to the updated addressThe replacement card was activated and used on April 6. On April 12, Ms*** contacted us to report identity theft and to close her accountMs*** was advised to contact the Federal Trade Commission (FTC) and IRS to report her identity theft. Upon receipt of her complaint, we contacted Ms*** on April to discuss her accountSince Ms*** was aware of the account, our Risk Management Team determined that this was not a case of identity theft, but in fact an account take over We spoke with Ms*** and opened a disputes claim for the unauthorized transactions We promptly began our investigation of her dispute claim and informed Ms*** of the timeframes afforded to financial institutions under Regulation E.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 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 *** *** concerning the resolution of her disputes claimShe is requesting to be reimbursed for the additional transaction she did not receive credit for.On February 24, 2016, I spoke with Ms
*** to address her concernsShe provided her letter of dispute showing the transactions she wanted to have investigated, and upon further review by our Disputes Team, we credited her account for the additional transaction on February 25th. We apologize for the inconvenience Ms*** experienced while waiting to receive the additional credit to her accountWe 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 usAs you requested, we addressed this matter directly with Mr*** on January 16, 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 the inconvenience he experienced with attempting to activate his NetSpend card. He’s requesting his information to be removed from our system and to receive a refund for the card
purchase. 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. Mr*** purchased a NetSpend card on February 15, 2016. The following day, he attempted to activate the card, but his information did not automatically approve and additional information was needed to fully activate his account. Our Customer Service requested for him to send identity documents so we could manually approve his account. On February 22nd, we reached out to Mr*** by telephone and email, but unfortunately, we have not had the opportunity to speak with him. His return email expressed his desire to discontinue the relationship with NetSpend. He will receive a refund check for the card purchase within ten business days from the date, February 26, 2016. NetSpend regrets the inconvenience that Mr*** experienced while attempting to activate his card / account. We have provided him 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 Prepaid MasterCard he received in the mail 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 recipient. If the recipient cannot be verified, then the offer cannot be activated A member of our Corporate Office reached out to Mr*** on March 2, to discuss the card offer he received. We permanently blocked the card offer and have also removed Mr***’s name and address from our mailing list and he should not receive any future offers from any Netspend managed programs. Additionally, we have submitted a request to our Marketing Department to provide information concerning how his name and address were obtained. We will provide Mr*** with this information as soon as we receive it We have provided Mr*** with our contact information should he have any additional questions or concerns. Thank you, *** ** *** Senior Customer Experience Specialist Netspend, a TSYS Company

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning her dispute claims. On September 23, 2016, Ms*** contacted us to report her card ending in *** as stolen and there was an unauthorized ATM transaction that posted on
her Card Account. We immediately blocked the card to prevent any further unauthorized use and we ordered her a replacement card. 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 on Ms***’ dispute claim *** on November 7, 2016, and no credit was issued because we did not find that an error occurred. We have reason to believe that the transaction was authorized and that Ms*** benefited from the transaction. A letter detailing the results of the investigation was mailed to Ms***’ address on file on November On October 19, 2016, Ms*** contacted us to report six unauthorized transactions that posted to another Card Account in her name. We promptly opened a dispute claim *** and began our investigation. We immediately blocked the card ending in *** and ordered a replacement. We concluded our investigation of claim *** on December 2, 2016, and no credit was issued because we did not find an error had occurred. The results of the investigation were mailed to Ms*** in writing within business days of completing our investigation Ms*** contacted us again on October 19, 2016, and reported four unauthorized transactions that posted to another Card Account belonging to her, ending in ***. That card was previously blocked as lost on October 8, 2016. We promptly opened a dispute claim *** and began our investigation. We completed the investigation of her claim *** on November 2, 2016, and issued a full reimbursement for the disputed transactions. A letter detailing the results of the investigation was mailed to Ms***’ address on file. A member from our Corporate Office spoke with Ms*** on February 27, 2017, and explained the conclusion of her dispute claims. Ms*** requested the transaction history statements for her active accounts from September 2016. The requested statements will be sent to her email and she will receive them within the five business days. We strongly encouraged Ms*** to report this incident to the Federal Trade Commission, at https://www.identitytheft.gov/. The FTC can provide suggestions on how to protect his personal identification information going forward and how to alert other agencies, such as credit bureaus, that her identity information was compromised We have provided Ms*** with our contact information should she have any additional questions or concerns. Thank you, *** ** *** Customer Experience Specialist Netspend, a TSYS Company