Realcor Developments Ltd.

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning an unauthorized transfer of funds On September 16, 2016, Ms*** contacted us to report an unauthorized transfer of funds to another NetSpend cardholder’s account. We
immediately opened a dispute claim and began our investigationThe transfer feature was also disabled to prevent cardholder transfers in the future In response to her communication, we spoke with Ms*** on September to discuss her dispute claim. We completed our investigation on September 23, and provided her with full reimbursement for the disputed transaction We understand how frustrating it can be to experience unauthorized activity on Ms*** accountNetSpend is very committed to providing a safe and secure product 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 withWe 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

Thursday, March 22, 2018 To Whom It May Concern: Thank you for forwarding Ms*** ***’ complaint # *** to us. As you requested, we addressed this matter directly with Ms*** on March 22, 2018, 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 concern. Thank you,*** ** ***Customer Experience Specialist Netspend, a TSYS Company

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning transactions on her card. Beginning on November 15, 2016, Ms*** had multiple authorized transactions with AMERICINN for $On November 22, Ms*** contacted us
regarding the pending charges from AMERICINN and we released the authorizations back into her available balanceWe informed Mr*** that releasing the pending authorizations is not a stop paymentWe informed her if the AMERICINN collects on the pending authorizations she will need to open a dispute claim once the transaction posts to her account. Later the same day, November 22, AMERICINN posted a charge to Ms*** account for $On November 23, Ms*** contacted us to open a dispute claim for the $We opened a dispute claim and promptly began our investigation. We also informed Ms*** of the investigation timeframe afforded under Regulation E A member of our Corporate Response team spoke with Ms*** on November We reviewed Ms*** transaction history with her and determined that the merchant only posted an amount that equaled the nights she stayed at the hotelUnfortunately our phone connection dropped after reviewing Ms*** account with herWe attempted to contact Ms*** back by phone and email, but we have not heard back from herOur Dispute Resolution Department is completing their initial investigation to determine if Ms*** claim is eligible for provisional credit and an update will be provided to her on December 8, by 5pm (CST) We provided Ms*** with our contact information should she have any additional questions or concerns. Thank you, *** *** Corporate Customer Response Team NetSpend A TSYS Company

Monday, August 15, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning the fees associated with his NetSpend card On April 23, 2015, Mr*** purchased a temporary card from a retail storeMr*** called
to activate his card on August 13, 2016. Our Customer Service Department advised him that his temporary card had expired and of the maintenance fees associated with his account. On the outside of the card packaging is displayed to all prospective customers about fees associated with the card and that the temporary card expires days after purchase. In response to this communication, a member of our Corporate Response Team reached out to Mr*** on August 15, but unfortunately, we have not had the opportunity to speak with him. As a courtesy, we refunded the maintenance fees deducted from his account, restoring the balance to the original amount loaded to the card. A check for that balance will be mailed to Mr***, and he should receive the check within ten business days. 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

Complaint: ***
I am rejecting this response because: I reached out to the merchant and as of today the merchant has not received payment from Visa nor NetspendThe only correspondence I receieved was a call from corporate to explain the situation in which he stated that VISA paid the merchant but where is the proof that they didThe merchant will not provide me the refund until Netspend pays themEither netspend needs to provide me directly with the refund or confirm with the merchant that it was paidThis is very fustrating
Regards,
*** ***

To Whom
It May Concern:We received complaint # *** filed with your office by ***l *** concerning two transactions that he is
disputing. He wants the money returned for
the disputed transactions. Mr
*** called us and requested that we release a pending transaction made
with
*** *** *** for $145.07, on October 3rd because the
merchant cancelled the charge. He explained
that the pending transaction from *** *** *** was a duplicate
charge because the merchant, *** ***, had already charged him
$113.00. We explained that the pending
transaction from *** *** ***, for $145.07, was released back into his
available balance on October 3rd We have
mailed him a copy of his October and November account statements, that reflects
that the transaction from *** *** ***, for $145.07, did not settle
onto his account.Our
records do not currently show any open dispute claims. We attempted to reach Mr*** by telephone
and email on November 13th so that we may assist him further with
disputing any posted transactionsHe can also dispute posted transactions
through his online account center at www.netspend.com. We have provided him with our contact
information should he have any additional questions or concerns. 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 meHowever I like to note I never received the $refund check
Regards,
*** *** *** ***

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a posted transaction that was not received by the merchant. She’s requesting for the funds to be returned to her card balance. On February 17, 2016, Ms*** called to dispute
a transaction from SunTrust Bank for $84.00. Two days later, the bank credited her account $84.00. Our Disputes Department closed the claim as a merchant refund on February 22nd. We reached out to Ms*** on February 18th, 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 with the disputed transaction. 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 *** *** concerning a Netspend Card Account offer she received in the mail NetSpend relies on affiliate marketing services as a source for reaching potential new customers and Card Account
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 Account 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 reached out to Ms*** on April 11, 2017, to discuss the Card Account offer. We will permanently blocked the Card Account offer and the name and address has will be removed from our mailing list. She should not receive any future offers from products managed by NetSpend Ms*** 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

Monday, January 16, 2017To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning his dispute claim On January 1, 2017, Mr*** contacted us to report a billing error 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 In response to his communication, we spoke with Mr*** on January 11, and explained the dispute process We issued full reimbursement of the disputed transaction back into Mr***’ Card Account on January Because Mr*** stated the transaction was unauthorized in his letter of dispute, we immediately blocked his card to prevent further unauthorized use A new Card Account will be expedited to his address on file at no cost The replacement Card Account should arrive within to business days. 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.Mr*** has been 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 disputeOn May 5, 2016, Mr*** disputed several unauthorized transactions that posted to his accountWe promptly blocked his card to prevent any further unauthorized use and
ordered a replacementWe immediately opened a dispute claim and began our investigationWe also informed Mr*** of the investigation timeframes afforded under Regulation EWe concluded our investigation of Mr***’s dispute claim on June and no credit was issued because we did not find that an error occurredThe merchant provided documentation that validated the transactionsDue to risk factors that were identified, our Risk Management Team also closed Mr***’s account on June This closure also means that Mr*** is no longer eligible for products managed by NetSpendUpon receiving Mr***’s complaint, we reached out to him on June 14, but unfortunately, we did not have the opportunity to speak with himOn June 13, we e-mailed and mailed the documentation used in our investigation of Mr***’s dispute claimWe have provided Mr*** with our contact information should he have any additional questions or concernsThank you, *** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Friday, February 16, 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 account. We have reviewed Ms*** dispute claim and we’ve determined that her claim is being handled correctly. Because Ms*** Card Account is still considered new, we are afforded business days for an initial investigation and days to finalize the dispute claim.As you requested, we addressed this matter directly with Ms*** on February 15, by telephoneAn email was sent to Ms*** outlining our actions to resolve her 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

Thursday, March 08, 2018Thank 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 account
We’ve reviewed Ms*** dispute claim and complaint that reimbursement was not providedAfter review, we’ve determined that her claim was handled correctly. As you requested, we addressed this matter directly with Ms*** on February 27, by way of e-mailWe provided her with further insight on the dispute processThank you for bringing this matter to our attention.Thank you, *** ***Customer Experience AnalystNetspend a TSYS Company

Complaint: ***
I am rejecting this response because: I have still not received my money that was sent to be I have sent over document after document and still haven't received whats owed to meI have spoke with netspend but we still havent accomplished anything at this time I have searched this card reviews and see where they have taken several people money over the years I will not be a victim if this doent get resolve sooni will be contacting a lawyer im trying to be patient but I have a family
Regards,
*** ***

To Whom It May Concern:We received complaint # *** filed with your office by *** *** *** states that his payment to the merchant was not receivedHe wants his money releasedOn May 8, 2015, *** *** used his card with *** ***They charged his card $Those
funds were reserved in a pending status waiting for the merchant to collectWhen he sent us a secure website message on May 21st, we informed him the transaction was still pendingIn order to release the pending funds back to *** ***’s card balance we require a letter on the merchant’s letterhead stating they will not be collecting on the money in reserveWe received the document and released the pending charge on May 29thNetSpend regrets the inconvenience that *** *** experienced while waiting on his pending charge to be releasedWe have provided him our contact information should he have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: ***
I am rejecting this response because:I had left my home phone number for them to call and they have notAlso I sent fax in multiple times of charges disputed and company continues to deny receiving faxBut thank you for time and effort.
Regards,
*** ***

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Ms*** states that her disputes claim has taken longer than business daysShe’s requesting to be reimbursed for the disputes amountOn June 24, 2015, Ms*** disputed an authorized
transaction with PayPal for $On the tenth business day, our Disputes Department provided an update that a chargeback was filed to the merchant in efforts to attempt to recover Ms***’ fundsWe have to allow reasonable time for the merchant to respond to us concerning Ms***’ claimHer claim will be resolved by August 24th at the latestSince Ms*** has had previous dealings with the merchant, no provisional (temporary) credit was issued on the tenth business day of the claimIf PayPal provides us with an update prior to August 24th, we will certainly provide the update to Ms***NetSpend understands the disputes process is a lengthy processWe appreciate Ms***’ patience as we attempt to retrieve her fundsWe have provided her with our contact information should she have any additional questions or concernsThank you,
*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Monday, September 12, 2016To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning declined transactions that occurred on her card.Ms*** began contacting our Customer Service Department on September 6, 2016, because her card was declining
Netspend experienced a temporary interruption of service that caused some transaction to decline at the point of saleThis issue was resolved the same day and Ms*** has been able to use her card since.A member of our Corporate Response Team attempted to reach Ms*** by phone and email, but have been unable to speak with herOnce Ms*** contacts us, we will be glad to address her concern further.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 TeamNetSpend A TSYS Company

Friday, November 24, 2017To Whom It May Concern:Thank you for forwarding Ms***’s complaint to us. During routine monitoring, we placed a temporary restriction on Ms***’s account on November 6, because we detected suspicious activity. The block was later removed that
same dayAn ACH (automatic clearing house) debit was declined due to the temporary block that was placed on Ms***’s card account. As you requested, we addressed this matter directly with Ms*** on November 24, by way of telephoneWe provided her with further insight on the ACH/Block processThank you for bringing this matter to our attention.Thank you,*** ***Customer Experience AnalystNetspend, a TSYS Company

I am tired of different people calling me from Netspend explaining the same thing to me like im an itJust like I stated before the transaction does not show in my historyIt shows in my text notifications that it was subtracted from my balanceMy balance never went back up the $I dont want the company to keep calling me if they are not resolving the matterGlitches happen and I have been a customer for yearsI just want my refund of my $90. Complaint: ***
I am rejecting this response because:
Regards,
*** ***