Realcor Developments Ltd.

To Whom It May Concern:We received complaint # *** filed with your office by *** CarlisleMs*** mentions not being able to transfer funds to another cardholder’s accountShe desires to have the transfer feature on her cardOn October 15, 2015, we spoke with Ms***
regarding the transfer feature on her current card / accountWe apologized for the misinformation given to her earlierWe explained that the cardholder transfer feature has been blocked as a protection for her account fundsMs*** disputed a cardholder transfer from her previous account on August 23, As a resolution of that disputes claim, her ability to transfer out of a NetSpend account was suspendedThis suspension is in effect for any card / account matching her informationNetSpend regrets the inconvenience that Ms*** experienced while attempting to transfer funds from her accountWe have provided her with our contact information should she have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: ***
I am rejecting this response because:*** is unhelpful and doesn’t have customer service experienceI’m am tired of being directed to him, I have reached out to multiple departments in the company and he continues to call me at inappropriate hours of the day (outside business hours) which is unacceptableIf this matter is not resolved and *** is the only one that will respond to my requests then I’ll be forced to take legal actionI’m trying to give them a opportunity to make this right seeing as though they already have a bad reputation with consumersMy case WAS NOT investigated properly I was told to contact the merchant myself and when I did so I was redirected to NetspendThis incident has put me in a bad place financially and I’ll be forced to take legal action and they can have *** show up in court to get this matter resolved.
Regards,
*** ***

Complaint: ***
I am rejecting this response because:there were other withdrawals off my cards I have my statements of balances of accounts for account ending in *** April July June forTDM*NME magazine credit on card *** 4,April February 2,maybe several others with smaller amounts will look over the rest of statements
Regards,
*** ***

Complaint: ***
I am rejecting this response because:Because your a liar I provided a receipt from the merchant showing pickup
Lowes sent a truck from there store and picked up the merchandise.What else do you need!!I will be filing a fraud charge against Bancorp!!Regards,
*** ***

Complaint: ***
I am rejecting this response because:The information and dates are incorrectI was not credited the full amount of my dispute and fees on 12/21/I emailed Net Spend on 12/21/to inform them that I was still owed $for the transaction fee for having to transfer money onto a friends cardOn 12/25/I received a response back stating they have reviewed my account and it shows that the card to card transfer charge is validIt went on to say please be informed that they can only waive the fee if no active card left on the compromised accountOn 12/28/at 7:34am a adjustment was made to my account in the amount of $ As of today 12/28/my account has been fully refunded for my dispute and fees
Regards,
*** ***

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning an ACE Elite Visa Prepaid Debit Card he could not activate due to a previous account with a negative balance. On March 14, 2016, Mr*** attempted to activate a new ACE Elite Prepaid
Debit Card. Our system recognized that he had a previous negative balance for more than days, and it automatically blocked the accountA Member of the Corporate Customer Response Team spoke with Mr*** on March 18th to address his concerns. We recommended that he return to the store where he purchased the card to have the sale voided. Later that day, he received his money from the store. NetSpend regrets the inconvenience Mr*** experienced with attempting to activate his new 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

To Whom It May Concern: Thank you for forwarding Mr*** ***s’ complaint *** to us Our records show that on October 03, 2017, our Risk Management Team placed a temporary restriction on Mr***’s Card Account due to suspicious activity related to his card On
October 06, 2017, Mr***’s was able to speak with our Customer Service Department to assist in resolving this matter. We removed the restriction from his Card Account, and issued him a replacement card for the protection of his Card Account As requested, we have attempted to reach Mr***s on October 13, and 19, by telephone and email, but unfortunately, we were unable to speak with himThe email we sent on October 20, outlined our actions to resolve Mr***s’ complaint His case has been assigned to a Corporate Customer Response Team Analyst, ***Should he contact our Customer Service Department we have left notes on his 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

On 4/5/I received a response email from *** *** with Netspend Corporation about the overdraft that occurred 12/for $ They refunded my account the $and apologized for any inconvenience. I wasnt sure how to respond to my complaint but It has been fully
resolved and I am happy with the outcomethank you very much for your help *** ***

Friday, September 16, 2016To Whom It May Concern:We received additional comments regarding complaint # *** filed with your office by *** *** concerning her disputes claim We appreciate Ms***’s additional comments After a reinvestigation of her dispute claim, we determined that an error did occur and provided full reimbursement for the unauthorized transfer on September 19, A member of our Corporate Customer Response Team spoke with Ms*** on September 19, and transferred her remaining balance to Mr***’s account 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

To Whom It May Concern: Thank you for forwarding Ms*** complaint to usAs you requested, we addressed this matter directly with Ms*** on March 6, 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: Thank you for forwarding Ms*** complaint to usAs you requested, we addressed this matter directly with Ms*** on July 10, by way of email. If 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

Monday, May 2, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a block on her account. During routine monitoring, our Risk Management Team detected factors that required additional security verification for Ms***
account on April 12, 2016. We requested for her to email identity documents for review. Upon receiving her complaint, we reached out to Ms*** on April to advise her of the documentation that is still needed to remove her account block. We received Ms*** documents on May and our Risk Management Team removed the block on her account. 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

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a card offer that was sent to his grandson who is a minorHe’s requesting assurance that his grandson’s savings and social security information have not been jeopardized. NetSpend works
with third party marketing partners that provide us with information for consumers who may need a service like our prepaid debit cardWe mail those consumers card offersThe card offer is not active and the card cannot be used unless activatedOur activation verifies the identity of each potential cardholder as a part of our Customer Information ProgramThis ensures that the card can only be used by the intended recipientDuring the offer activation, we collect social security number and date of birth to verify identity onlyThere is no credit check involved because our Prepaid Debit Card is not a credit cardThe primary cardholder must be at least years of age. On March 7, 2016, we reached out to Mr*** by telephone and email, but unfortunately, we did not have the opportunity to speak with him. We cancelled the card offer and removed his grandson’s information from our systems to prevent future card offers from being sent to himNetSpend does not have any information on his grandson’s savings or social security number. Additionally, we have submitted a request to our Marketing Department in order to obtain detailed information on how his grandson’s name and address were obtained. We will convey that information to him once it is received. We regret any inconvenience that Mr*** and his grandson experienced as a result of this card offerHe has been given my 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 his dispute claim. On June 28, 2016, someone claiming to be Mr*** contacted us to transfer funds to another NetSpend account The person claiming to be Mr*** verified all of
the security information associated with the account and our Customer Service Department completed the transfer On June 29, Mr*** contacted us to report that the transfer of funds was not authorized by him We immediately opened a dispute claim and began our investigation A block was also placed on Mr***’s account to prevent any additional unauthorized activity. A member of our Corporate Response Team attempted to reach Mr*** on June to discuss his dispute claim Unfortunelty, we have not had the opportunity to speak with him We sent an email to Mr*** advising him that full reimbursment for the disputed transaction was issued to his account As a courtesy, we have also reimbursed Mr***’s account for the expedited card delivery fee We understand how frustrating it can be to experience unauthorized transactions on your accountNetSpend is very committed to providing a safe and secure product.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 her Netspend card.We are required by the USA PATRIOT Act to obtain, verify, and record information that identifies each person who opens a card account with usThe requirement to
obtain this information is displayed on the inside flap of the card package and is visible to consumers prior to purchaseThe card package also states that use of the card is limited prior to identity verification.On May 24, 2016, Ms*** was given a Netspend card with $loaded onto it that was mistaken as a gift cardMs*** contacted our Customer Service Department to see what options were available to help her retrieve her funds, but was unable to speak with someone. We spoke to Ms*** on June to discuss the available options for accessing her fundsMs*** requested to have a check mailed to her address on fileShe should receive this check within 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 complaint # *** filed with your office by *** *** concerning his card activation. We are required by the USA PATRIOT Act to obtain, verify, and record information that identifies each person who opens a card account with us.
When 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 them. The requirement to obtain this information is displayed in the envelope that we send with the card offer. A card offer was mailed to Mr*** address on June 2, 2016. Mr*** attempted to activate his new account on June 15, but his identity information could not be automatically verified. We requested him to provide copies of his identification documents to verify his identity. On June 20, Mr*** contacted us to inquire about his account status. We advised to resend his information since we did not receive his documents. Upon receiving his complaint, we reached out to Mr*** on June 28, but unfortunately, we have not had the opportunity to speak with him. The card offer has not been activated and no funds have been deposited to the account. 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

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning the loading of his Card Account. On February 22, 2017, Mr*** contacted our Customer Service Department to inquire about a Western Union location that
would not accept the $he attempted to load to his Card Account. He spoke with a supervisor and was informed that Western Union locations can load the Netspend card with a maximum of $per day. A member from our Corporate Office, spoke with Mr*** on February 23, and explained the merchant load limits. We also provided him some options that were outside on the Western Union network that he could use to load his funds. Mr*** requested a single location that would accept a higher load limitWe offered information on the Automated Clearing House (ACH) deposit, which uses the account and routing number. Mr*** loaded the remainder of his funds that day at a Western Union location. We apologize that Mr*** was provided incorrect information while speaking with our Customer Service Department. We have reported these incidents to the management staff of the customer service agents he spoke with so that they receive appropriate coaching regarding load limit procedures We provided Mr*** with our contact information should he have any additional questions or concerns. Thank you, *** ** *** Customer Experience Specialist Netspend, a TSYS Company

Monday, May 2, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning her dispute claimOn March11, 2016, Ms*** contacted us to report that her card had been compromised and that several unauthorized charges posted to her
account. We immediately blocked the card to prevent any further unauthorized use. A dispute claim was opened and we promptly began our investigationWe concluded our investigation of her claim on March 25, and no credits were issued because we were unable to identify that an error occurredWe have reason to believe that the transactions were authorized and that Ms*** benefited from the disputed transactions. A letter explaining the dispute decision has been emailed and mailed to Ms*** on April Our Risk Management Team closed Ms***’ account on March because they identified risk factors associated with her account. A check for the remaining balance on her account was mailed to Ms***’ address on April 14. We spoke with Ms*** on May and explained the results of her disputes claim. We understand how frustrating it can be to experience unauthorized charges on our customer’s accountNetSpend is very committed to providing a safe and secure productWe provided Ms*** with our contact information should she have any additional questions or concerns. Thank you, *** ** *** Corporate Customer Response Team NetSpend A TSYS Company

Tuesday, September 5, 2017 To Whom It May Concern: Thank you for forwarding MsCamille Mack’s complaint # *** to us. We attempted to reach Ms*** on August 28, and September 1, by way of telephone, but unfortunately, we were unable to speak with herWe sent Ms*** an
email detailing the actions taken on her Card Account to resolve her complaint On September 5, 2017, we mailed Ms*** a letter with the same information 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: your company steals from their customer just because their card's are used in the area that they live in and something should be done about that especially when that's the reason a customer is given for their claims being denied after they leave been car jacked
Regards,
*** ***