Realcor Developments Ltd.

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a refund check for an account she closed. She’s requesting a refund for her card balance. On February 18, 2016, we spoke with Ms*** and she confirmed the address that she
expected the check to be mailed. We verified that was the same address where we mailed her original check to on February 2nd. She reported that she never received the check. As of February 24th, our Accounting Department is verifying the old check has not been cash and will determine if a replacement check can be sent. We will keep Ms*** informed of the progress. NetSpend regrets any inconvenience that Ms*** experienced with receiving the refund for her card balanceShe has been given 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***’s 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’ve
reviewed Ms***’s dispute claim and complaint that provisional credit was reversedAfter review, we’ve determined that her claim was handled correctlyAs you requested, we addressed this matter directly with Ms*** on January 2, by way of telephoneWe provided her with further insight on the dispute processThank you for bringing this matter to our attentionThank you, *** *** Customer Experience Analyst Netspend, a TSYS Company

Tuesday, September 6, 2016 To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning a block placed on his account During routine monitoring, we placed a temporary restriction on Mr*** account on May 30, 2016, because we detected
suspicious activity Mr*** contacted us on September to inquire about his card and we requested him to provide us with copies of his documents to verify his identification. In response to his communication, a member of our Corporate Response Team spoke to Mr*** on September to address his concernsWe reimbursed the fees Mr*** incurred on his account and requested a refund check to be mailed to his address on file 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 a card he purchased that was in another person’s name when he attempted to activate itHe’s requesting to receive the original $that was loaded to the cardWe contacted Mr***
on January 4, to address his concernsHe emailed the necessary documents to update the correct information on his accountOn the next day we transferred his funds to a new active card he received in the mail so that he could access his $200. NetSpend regrets the inconvenience that Mr*** experienced with activating our cardWe 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

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,
*** ***

To whom it may concern: Thank you for forwarding Ms*** 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’ve
reviewed Ms*** dispute claim and complaintAfter review, we’ve determined that her claim is being handled correctlyAs you requested, we addressed this matter directly with Ms*** on June 22, by way of telephoneWe provided her with further insight on the dispute processThank you for bringing this matter to our attentionThank 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
Please close this complaint as I have used the NetSpent Card, that was loaded with the original amount of $53.95.I thank you for assisting me in obtaining the funds back.*** ***
Regards,
*** ***

Monday, May 01, 2017To Whom It May Concern:Thank you for forwarding Ms*** complaint to us. As you requested, we addressed this matter directly with Ms*** on May 1, by way of telephone, e-mail, or letter If 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 AnalystNetspend, a TSYS Company

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Ms*** states that she received a scam letter and wants NetSpend to replace the money that she spent on its instructionsOn May 19, 2015, we attempted to call Ms*** about the letter she received
We informed her in an email that NetSpend did not send her a letter asking her to purchase a competitor’s card and put money on itWe recommended that she inform the police of this theftMs*** is not a NetSpend cardholder and we would have no reason to send her correspondenceNetSpend regrets the inconvenience Ms*** experienced with the letter she receivedShe has been given my contact information should she have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Friday, July 8, To Whom It May Concern: We received additional comments regarding complaint # *** filed with your office by *** *** concerning her disputes claim. We appreciate Ms***’ additional comments regarding her dispute claim. On July 8, 2016, we spoke with Ms*** and explained the dispute process. Her dispute claim is scheduled to be finalized by August The results of the investigation will be sent to Ms*** in writing within business days of completing our investigation. During the investigation of Ms***’ claim, our Risk Management Team, identified several risk factors associated with her accountThese risk factors are not shared with consumers for security reasons and Ms*** is no longer eligible for products managed by NetSpend 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 Team NetSpend A TSYS Company

To Whom It May Concern: Thank you for forwarding Mr*** ***’ complaint # *** to us We reviewed Mr*** claim and determined that it was handled appropriately We validated that Mr*** card is no longer active and cannot be used for additional unauthorized
transactions. We completed the investigation of Mr***’ claim on May 10, and no credit was issued for the disputed transactions, because we did not find that an error occurred We attempted to reach Mr*** by telephone on May and May 31, but unfortunately, were unable to speak with Mr***A letter detailing the results of our investigation was mailed to his address on file on May 31. He should receive this letter within the next business days Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concern Thank 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. On June 28, 2016, Ms***-*** reported unauthorized transactions that posted to her accountWe 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 timeframes afforded under Regulation E.On July 13, we concluded our investigation with no credit being issued to Ms***-***’s account because we did not find an error occurred Based on our investigation, we have reason to believe that the transactions were authorized and that Ms***-*** benefited from the transactions We reached out to Ms***-*** on July 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 TeamNetSpend A TSYS Company

To Whom It May Concern: We received additional comments on complaint # *** filed with your office by *** ***NetSpend appreciates Mr*** informing us that he has received his check. He has my contact information should he have any further questions or concernsThank you, *** ** *** Corporate Customer Response Team NetSpend A TSYS Company

Wednesday, January 10, To Whom It May Concern: Thank you for forwarding Ms*** ***’s complaint *** to usWe 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 card packaging prior to purchaseWe also print on the package that the cardholder must be at least years of age to activate the cardAs you requested, we addressed this matter directly with Ms*** on January 10, by way of telephoneWe sent her an email detailing the actions to resolve her concernsThank 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 the inconvenience that he’s experienced with activating his cardHe is requesting to be reimbursed for the funds loaded onto his card, in addition to the cost of purchasing the cardOn
December 18, 2015, Mr*** purchased a card and loaded the amount of $He attempted to activate his card, but was transferred to our customer service to verify additional informationHe was prompted to answer some identity questions that are pulled from a public database, but was unsuccessful in answering them correctlyOur customer service informed Mr*** that he would need to provide documentation to validate his identityMr*** was hesitant to send in personal information and closed the call with the representativeWe spoke with Mr*** on December 22st and addressed his concerns, and are in the process of returning the funds to himWe apologize for inconvenience that he’s experienced while attempting to activate his cardMr*** has our contact information should he have any additional questions or concerns. Thank you, *** *** Corporate Customer Response Team NetSpend A TSYS Company

Complaint: ***
I am rejecting this response because:The business has allowed a security breach with my account by repeating my pin out loud when I call the automated systemThey have told me that no error occurred because a pin was used for each transactionI lost over $from this cpany and have received no compensation or explainationI am disappointed by the way this dispute has been handled
Regards,
*** ***

Wednesday, February 14, 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 correctly.We attempted to reach Mr*** by telephone on January 16, and February 14, 2018, but unfortunately, we were unable to speak with himAn email was sent to Mr*** outlining our actions to resolve his complaintMr*** case has been assigned to Corporate Response Team Analyst, ***Should Mr*** contact our Customer Service Department, we have left notes on his account for him to be connected with *** to further assist him with this matterThank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concernThank you, *** L***Customer Experience Specialist Netspend a TSYS Company

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a NetSpend card offer that was sent to her child 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 In response to this communication, we attempted to contact Ms*** via the telephone and email provided. Unfortunately, were unable to speak with her. We will be glad to assist Ms*** upon the return of our correspondence. At this time, we can submit a request to our Marketing Department to provide the information how their name and address were obtained. We can also ensure the card offer is permanently blocked and request Ms*** name and address be removed from our mailing list to ensure she will not receive any future offer any NetSpend managed programs. NetSpend regrets any inconvenience that Ms*** and her child 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 Team NetSpend A TSYS Company

To Whom
It May Concern:We
received complaint # *** filed with your office by *** *** concerning his income tax refund that is
being returned to the Internal Revenue Service. He’s requesting the funds to be sent to the
IRS or to him. Our Fraud
Prevention Team
regularly monitors account activity in order to provide a safe
and secure product for all of our cardholdersOn February 13, 2015, a systemic
block was placed on Mr*** account after the deposit arrived from IRS /
US Treasury in the amount of $1676.00. Our
Fraud Prevention Team requested additional identity verification from Mr***
as a security precaution. He called on
February 21st to inform us that he does not have the required
documents to send. On February 25th,
our Fraud Prevention Team pended Mr***’s IRS deposit, and sent a
notification to the IRS to determine where the deposit should goThe IRS
responded to our inquiry on November 17th, and advised that the
funds should be sent to themWe will notate Mr***’s account once we
confirm that the IRS / US treasury has received the funds. We
reached out to Mr*** on November 18th by telephone and
email. Unfortunately we have not had the
opportunity to speak with him, but will assist with his concerns when he
returns our call. NetSpend regrets the
inconvenience that Mr*** experienced while waiting on the funds to be
returned to the IRSWe have provided him 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 block on her account and access to her remaining fundsOn March 22, 2016, Ms*** account was closed as a result of risk factors associated with her activityThe specific account activity
that triggered the closure is not disclosed to consumers for security purposesMs*** deposit from the IRS was pended until the IRS can perform their own investigationThe IRS will determine if the remaining funds are returned to them or released to Ms***We spoke with Ms*** and explained the pending review from the IRSOnce we receive an update regarding the IRS investigation, we will notify her of the conclusionWe have provided Ms*** our contact information should she have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company