Realcor Developments Ltd.

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning his alert messagesWe reached out to Mr*** on June 27, because the email he provided in his Revdex.com complaint is not registered to an account in our systemHe informed us that he does
not want any communication by telephone and to correspond with him through emailOnce Mr*** provides the email address that is getting the duplicate messages, we will remove it so he does not get additional alerts moving forwardWe 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 Ms*** *** complaint # *** to us We reviewed Ms*** claim and determined that it was handled appropriately We validated that Ms*** card is no longer active and cannot be used for additional
unauthorized transactions. We completed the investigation of Ms*** claim on May 19, and no credit was issued for the disputed transactions, because we did not find that an error occurred We attempted to reach Ms*** by telephone on May 22, and May 24, but unfortunately, were unable to speak with Ms***We emailed her the investigation documents for her claim on May 23. 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 the overdraft fees associated with her accountOn June 29, 2016, Ms*** completed a transaction that created an overdrawn balance greater than $This transaction also caused a
pending overdraft fee to be placed on holdThe twenty-four hour grace period to bring the card account back to zero or a positive balance began immediately afterOn July 6, Ms*** received a direct deposit that recovered the negative balanceIf a cardholder fails to bring their Card Account back to a zero or positive balance within hours from the time of the first transaction causing an overdrawn balance greater than $10.00, the cardholder will incur an Overdraft Protection Service Fee for each transaction approved after their Card Account balance was greater than $overdrawnIn response to her communication, we reached out to Ms*** on June 30, 2016, but unfortunately, we have not had the opportunity to speak with herThe overdraft fees charged to her account are in accordance with the Optional Overdraft Protection Program agreement termsWe have provided Ms*** with our contact information should she have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning the fees associated with his NetSpend card. We are required 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 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 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 and that this is not a gift card. On April 25, 2016, Mr***’s temporary card was purchased from a retail storeMr*** called to activate the card on July 26, 2016. Our Customer Service Department advised Mr*** that his temporary card had expired and of the maintenance fees associated with his account. Mr*** chose to close his account and have the remaining balance mailed to him In response to this communication, a member of our Corporate Response Team spoke with Mr*** on July 27, and discussed available options to access his fundsWe explained the account maintenance fee that was charged to his account. As a courtesy we reimbursed the fee and restored his account balance to the original amount. He will receive a refund check mailed to his address on file within business days. We have provided Mr*** with our contact information should he have any additional questions or concerns

Thursday, June 22, To Whom It May Concern: Thank you for forwarding Ms*** *** complaint # *** to usAs you requested, we addressed this matter directly with Ms*** on June 19, by way of telephoneWe emailed her the details of the actions to resolve her complaint on
June 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 the closure of her account During routine monitoring, our Risk Management Team closed Ms* *** accounts on July 5, because we identified risk factors associated with
her account activityThese risk factors are not shared with consumers for security reasons. A check for her remaining account balance on one of her accounts was mailed to her address on July 7, 2016. She should receive the refund check within ten business days. In response to this communication, we spoke with Ms*** on July to discuss her account closure. After re-reviewing Ms*** account activity with our Risk Management Team, we reopened her accounts and apologized for the disruption in her account usage. As a courtesy, we issued a credit to Ms*** account due to the inconvenience 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 Tell us why here

Wednesday, March 07, 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 accountWe’ve reviewed Ms*** dispute claim and complaint that reimbursement was not providedAfter review, we’ve determined that his claim was handled correctly. During the investigation of the claim, we identified several risk factors associated with Ms*** Card AccountAs a result, the decision was made to close her Card Account and we are no longer able to offer her Netspend services.As you requested, we addressed this matter directly with Ms*** on March 7, 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 *** ***-***Ms***-*** states that our customer service disconnected the phone on her, and would not honor her request to speak with a supervisorShe’s requesting to be reimbursed for the ATM fees
that occurred on her accountOn September 22, 2015, we spoke with Ms***-*** and have addressed her concernsPer the terms and fee details of Ms***-***’s account, there is a $ATM balance inquiry fee and a $domestic ATM withdrawal fee that’s charged by NetSpendHowever, if Ms***-*** visits any Allpoint Network ATM, she can avoid being charged an ATM fee from the merchant directly, but would still be charged ATM fees by NetSpendWe’ve sent Ms***-*** a copy of the terms and conditions of her account for referenceThe details of her fee plan is listed on pages through We apologize for the poor experience that Ms***-*** received from our customer serviceWe are in process of reviewing the calls that have taken place with Ms***-*** and our customer service, and will take the appropriate actions to prevent this from happening in the future, if necessaryNetSpend regrets the inconvenience that Mrs***-*** experienced with our customer service, and with the ATM fees that were incurredWe have provided her with our contact information should she have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Wednesday, March 1, 2017To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning her card that was not received. On February 10, 2017, Ms*** contacted us to order a replacement card ending with *** The card ending with *** was
shipped to the address we had on file A tax refund deposit later posted to her Card Account on February Ms*** notified us on February 23, that she had not received her new card ending with *** We transferred the maximum daily amount to another Netspend cardholder’s Card Account Ms*** updated her address and we expedited a card ending with *** at a cost of $ On February 24, Ms*** requested another transfer to another Netspend cardholder’s Card Account We were unable to transfer Ms*** funds because she had reached the maximum limitNetspend sets limits on cardholder to cardholder transfers in order to protect our customers from fraudulent activity In response to her communication, a member of our Corporate Office reached out to Ms*** on February 27, to inquire about the card ending with *** that she did not receive The expedited card was received and activated on February 28, and Ms*** gained access to her funds We sent Ms*** an email on March 1to confirm the status of her Card Account and we reimbursed the fees associated with her expedited card and transfers We apologize for the service that Ms*** experienced with our Customer Service Department when ordering her card We have reported this incident to the management staff of the customer service agents she spoke with.Ms*** has been provided with our contact information should she have any additional questions or concerns Thank you,*** ** ***Corporate Customer Experience Specialist Netspend, a TSYS Company

Complaint: ***
I am rejecting this response because:Your statement is and misleading, and the behavior of handling our dispute is unprofessionaland lacks propr communication and information..We asked that you clarify in writing why you sent us an email that stated our dispute was resolved and the money was to be credited back to the account that same day .No funds were ever returned to our account and you never made an attempt to reach out to us You now state it was an error emailWe asked that you you give us the reason in writing about the error email you failed to complyYou then stated we were going to have to wait until the of this month for this dispute to be resolved then on the we never hear from youWe called and you canceled one of our disputes and then placed both disputes under one claim number without notifying us Then you used the reason of you were not able to release and credit one of the claims because they were combined together so you needed another days to resolve the last dispute We did not authorize you to place both disputes together because they were different disputes and it appears this was done to avoid crediting the first credit back to the card.
Regards,
*** ***

To Whom
It May Concern:We received complaint # *** filed with your office by *** *** concerning two car rental pending
transactions that should have been cancelled by the merchant. She’s requesting the pending transactions to be
released back into her account immediately.
On October 19, 2015, two transactions
from *** *** in the amounts of $and $were charged to
Ms*** card. She spoke with
customer service and was informed that she needed to send in documents that
validated the cancelled transactionsThe documents received were not accepted to release the pending transactions. However, we released the funds back to Ms
*** account on October 22nd as a courtesy. Our release is not a void or cancel of the
original transactions. If that merchant
collects the funds later, Ms*** has the options to either work with the
merchant to retrieve her funds, or file a dispute. NetSpend
regrets the inconvenience that Ms*** experienced while attempting to have
her pending funds released back into her account. She has been given our contact information
should she have any further questions or concerns. Thank
you,Billy L
CampbellCorporate
Customer Response TeamNetSpend A TSYS Company

Complaint: ***
I am rejecting this response because:the same response over and over is not helping I need something done about my money Only way I see to resolve this is to involve legal aid.
Regards,
*** ***

Tuesday, January 05, 2016To Whom It May Concern:We received additional concerns regarding complaint # *** filed with your office by *** ***She is requesting all fees received to be waivedOn January 04, 2016, Ms***’s fees had been reversedShe has since received and activated the new cardNetSpend regrets the inconvenience that Ms*** experienced with the unauthorized transaction from ***She has been given 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 dispute claim.On May 12, 2016, Ms*** contacted us to report an unauthorized transfer from her accountWe immediately opened a dispute claim and we began our investigationWe also
informed Ms*** of the investigation timeframes afforded to financial institutions, under Regulation E.Upon receiving her complaint, we reached out to Ms*** on May 17, but unfortunately, we have not had the opportunity to speak with herWe have corresponded with Ms*** by email and advised that an update will be available on her claim on May 26.We understand how frustrating it can be to experience unauthorized transfers on our customer’s 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 concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning the fees charged while using her NetSpend cardShe wants to be refunded for the card she purchasedOn December 13, 2015, Ms*** purchased and activated a NetSpend prepaid debit card
that had a balance of $According to the terms of the card, her account was automatically enrolled in our Pay As You Go PlanThis plan has no monthly fee, but charges a fee of $for signature transactions and $for PIN transactionsShe e-mailed our customer service through the online account center to inquire about the transaction fees, and our customer service responded back to her on why she was charged for each transaction, and options on how to reduce additional fees from incurring on her accountShe was also reimbursed for the feesMs*** requested to close her account on December 17th, and a refund check for her account balance was mailed within business days of her requestWe spoke with Ms*** on December 21st and informed her that the check has been mailed to her addressNetSpend regrets the inconvenience that Ms*** experienced with our productWe have provided her with our contact information should she have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS CompanyTell us why here

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning his dispute claim. On September 15, 2016, Mr*** reported an unauthorized transaction that posted to his accountWe immediately blocked his card to prevent any additional
unauthorized activity We opened a dispute claim and promptly began our investigation We also informed Mr*** of the investigation timeframes afforded under Regulation E.On September 28, we concluded our investigation with no credit being issued to Mr***’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 Mr*** benefited from the transactions A member of our Corporate Response Team attempted to reach out to Mr*** to discuss the results of his dispute claim, but unfortunately, have not had the opportunity to speak with himA letter detailing the results of our investigation will be mailed to his address on file He should receive this letter within ten business days.Additionally, our Risk Management Team closed Mr***’s account on September 28, due to risk factors that were identified while investigating his claimThese risk factors are not shared with consumers for security reasons and Mr*** is no longer eligible for products managed by NetSpend.We have provided Mr*** with our contact information should he have any additional questions or concernsShould Mr*** contact us back, we will review the results of his claim with him. Thank you,*** ***Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Mr*** states that he was charged for calling to speak with customer service and he never reached a live agentHe wants to be refunded for the fees he was chargedOn August 7, 2015, we
reached out to Mr*** by telephone and emailWe reviewed his account and there are no charges for calling into customer service lineIn addition to having the ability to speak to our customer service, we offer a free website service where our customers can get vital account information hours a dayWe also send free text message alerts to our customer’s cell phone providing balances, transactions, and other useful featuresNetSpend regrets the inconvenience that Mr*** experienced while trying to reach a live customer service representativeHe has been given our contact information should he have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning a refund for a NetSpend card. We are required 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 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 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 and that this is not a gift cardOn December 29, 2015, Ms*** relative attempted to activate his NetSpend card, but was not willing to provide his personal information. As a result, the card could not be activated for use. Ms*** and her relative called back on December 31st and requested a check to be sent for the card balance. The agent that did not request the check will be addressed to prevent an issue like this in the future. Ms*** contacted our Customer Service Department again on April 11, and we requested a new refund check. Her relative will receive the check within ten business days. We spoke with Ms*** on April 13th and she informed us of her poor experience with our Customer Service Department. We apologized and have made subsequent incident reports to the management staff of the customer service agents she spoke withMs*** has been provided my 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 a block on his account that prevented him from using the cardHe’s requesting a refund of the money he loaded to the card. Our Fraud Prevention Team regularly monitors
account activity in order to provide a safe and secure product for all of our cardholdersOn December 30, 2015, a systemic block was placed on Mr*** account by our Fraud Prevention Team. The exact reasons for the block are kept internal for security. The account was notated, asking for Mr*** to provide identity documents. When he loaded $on his account on February 19, 2016, the block prevented any card transactions. Mr*** requested his funds and we closed the account on February 24th. He will receive his funds within ten business days to the address on the account. We reached out to Mr*** by telephone and email on February 24th, but unfortunately, we have not had the opportunity to speak with him. We will address his concerns when he returns our call. NetSpend regrets the inconvenience that Mr*** experienced as a result of the block on his accountHe has my contact information should he have any further questions or concernsThank you, *** ** *** Corporate Customer Response Team NetSpend A TSYS Company

Wednesday, April 4, To Whom It May Concern: Thank you for forwarding Mrs*** *** 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 in the envelope that we send with the card offerAs you requested, we addressed this matter directly with Mrs*** on April 3, by telephoneWe sent an email to Ms*** detailing our actions to resolve her complaintThe documents she presented were reviewed and her Card Account was approved later that eveningThank 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