Realcor Developments Ltd.

Wednesday, April 12, 2017To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning a transaction made with her Netspend Card Account On April 3, 2017, Ms*** stated that her Netspend Card Account was to be charged $for
an item she purchased with the merchant, Fingerhut A member from our Corporate Office reached out to Ms*** on April 12, to provide further insight about her Card Account transaction We informed her that there is no record of the transaction attempt and that she should contact the merchant for a resolution We will mail Ms*** a copy of her transaction history to her address on file for her records. We have provided Ms*** with our direct contact information should she have any additional questions concerning this matter Thank you,*** ***Customer Experience Analyst Netspend, a TSYS Company

To Whom It May Concern: Thank you for forwarding Ms*** *** complaint # *** to us Netspend reviewed Ms*** dispute claim and issued full reimbursement for the disputed transaction on May 25, 2017. We attempted to reach Ms*** on May 25, but
unfortunately, we were unable to speak with herWe sent Ms*** an email 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

Complaint: ***
I neither agree nor disagree with the business's responseAfter an extremely long process ace did refund a PARTIAL late fee but NOT the transaction feeI DID PROVIDE ACE/NETSPEND WITH MY PHONE NUMBER AND AM ALWAYS AVAILABLE VIA EMAILI will not continue with the complaint.
Regards,
* ***

Complaint: ***
I am rejecting this response because:Still no real explanation -- Re open my card account Immediately I don't even care about the money at this point I need my card account reinstated NOW just Closed my account for no legit reasons
Regards,
*** ***

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Mr*** states that he disputed an ATM transaction but the claim will not be settled until July 13th, causing him to incur a $late feeHe wants his funds refunded and the late fees reimbursed
On June 26, 2015, Mr*** called to dispute an ATM transaction for $as non-dispense of fundsWe informed him the disputes claim would be updated within ten business days, July 10thOn the tenth business day, we issued a provisional credit for $plus the ATM feesThe dispute claim will finalize in daysSince he has received his funds, no further actions will be required as long as the claim is successfulNetSpend understands the disputes process is lengthyWe appreciate Mr***’ patience as we attempt to retrieve his fundsWe have provided Mr*** 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***’s complaint to usAs you requested, we addressed this matter directly with Ms*** on October 16, 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:We received complaint # *** filed with your office by *** *** concerning the Refer-A-Friend bonus associated with her NetSpend Prepaid Debit Card On March 6, 2016, Ms*** mother opened a Netspend account using the Refer-A-Friend offerMs
*** made a qualifying deposit for the Refer-A-Friend bonus on March 28, but no bonus was applied. On April 21, we spoke with Ms*** and applied the Refer-A-Friend bonus to her account and her mother’s account 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 usNetSpend 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 We attempted to reach Ms*** by phone and email on July and July but unfortunately, were unable to speak with herWe emailed her on July outlining our actions to resolve her complaintWe permanently blocked the card offer on July 18, 2017. We have also removed Ms*** name and address from our mailing list and he/she should not receive any future offers from any NetSpend managed programs. 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 an overdraft fee associated with her account On November 17, 2016, at 7:AM, Ms*** completed a transaction that created an overdrawn balance greater than $10.00.
This transaction also caused a pending overdraft fee to be placed on hold. The twenty-four hour grace period to bring the card account back to zero or a positive balance began immediately after. On November 18, at 9:AM, Ms*** deposited $to her accountThe deposit arrived after the twenty-four hour grace period expired and the account balance remained negative If 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 $overdrawn A member of our Corporate Response Team, spoke with Ms*** on November 21, and explained the reason the Overdraft fee was charged. Ms*** informed us that she had to wait until the store opened until she could reload her card. As a courtesy, we reimbursed her account the overdraft fee 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:We received complaint # *** filed with your office by *** *** *** states that she could not activate her card and had to send in identity documentsShe wants a refund for the card purchase and initial money loadedOn May 8, 2015, *** *** attempted to
activate a NetSpend card through the websiteThe social security number provided was for a deceased person and the account was immediately blockedThe error message told her to contact customer serviceWhen she provided her identity documents on May 11th, the correct information was entered on the accountOur system automatically put a second block on the account due to a past due amount on her account from That second system block was removed after review on May 14th*** *** was then able to use the funds that she deposited to the cardNetSpend regrets the inconvenience *** *** experienced while activating her cardShe has been given our contact information should she have any 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 block on her card due to questionable transactions on her account. On March 19th, Ms*** account was blocked by our Risk Management Department due to unusual transaction
attempts We reached out to Ms*** to confirm the transactions on the same day, but received her voicemail On March 21st, we confirmed that the transactions were not authorized by her and the card was blocked A replacement card was expedited on the same day and Ms*** should receive it in the mail shortly.I attempted to contact Ms*** on March 21st and 23rd, by phone and email to address her concerns, but have not been able to speak with herShould Ms*** contact me, I will be glad to review her account with her.We apologize for the inconvenience that Ms*** experienced regarding any questionable activity on her account She has been given our contact information should she have any additional questions or concerns Thank you,*** ***Corporate Customer Response TeamNetSpend A TSYS Company

Wednesday, May 4, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning his dispute claimOn March 19, 2016, *** *** contacted us to dispute several transactions that posted to his account. We immediately opened a dispute
claim and began our investigationWe also informed *** *** of the investigation timeframes afforded to financial institutions under Regulation EUpon receipt of his complaint, we spoke with *** *** on April regarding his dispute claim. A provisional credit was applied to his account on May while his claim is investigated. We will provide a final update on *** ***’s claim once if finalizes on July We understand how frustrating it can be to experience unauthorized charges on your accountNetSpend is very committed to providing a safe and secure productWe have provided *** *** with our contact information should he have any additional questions or concerns. Thank you, *** *** Corporate Customer Response Team NetSpend A TSYS Company

Thursday, May 11, To Whom It May Concern:Thank you for forwarding Mr*** *** complaint # *** to usWe reviewed Mr*** Card Account concerning the replacement of his lost cardWe attempted to reach Mr*** by phone on May 7, May 10, and May 11, but unfortunately,
we were unable to speak with himWe communicated through email concerning his replacement card and assistance with his new Card AccountHis case has been assigned to a Customer Experience Specialist, ***Should Mr*** contact our Customer Service Department, we have left notes on his Card 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, *** ** ***Customer Experience Specialist Netspend, a TSYS Company

Complaint: ***
I am rejecting this response because: it has been over a week since I heard anything and I feel Netspend is just trying to put me off even longer so they can keep earning interest off my moneyI have three separate emails stating they will mail a check which they never didThey should be able to either send the money back to the University or mail a checkThey didn't require any documents to take my money so they shouldn't need anymore documents to reverse the depositNetspend also said my marriage license wasn't valid and I don't know where they expect a marriage license to come from This will be resolved when they mail a check or reverse the deposit until then it will be unresolved
Regards,
*** ***

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning the inconvenience she has experienced with her dispute claim. She is requesting to be reimbursed as soon as possibleNetSpend’s disputes process is in accordance with Federal
Reserve’s Regulation E guidelinesPer these guidelines, the disputes claim timeframe for an initial claim review on new accounts (and provisional credit eligibility), can take up to business daysAn account is considered new when the first cash or deposit load occurs on an account within days from the account creation dateWe sincerely apologize if this information wasn’t provided to Ms***On February 4, 2016, Ms***’s card was charged $and $by LVP KasambaShe called our Customer Service to report that the transactions were not done by her. The charges were pending at the time and could not be disputed until the funds were collected by the merchant. LVP collected the funds the next day and Ms*** called on February 9th to dispute the transactionsBecause this is a new account, her update would be provided in business days, March 9th. Our Disputes Department issued a temporary credit to her account for the disputed charges on February 26th, while the investigation continues. The claim will finalize on April 11th, and if it is successfully won, no further action will be required since Ms*** has received the fundsWe reached out to Ms*** on March 2nd by telephone and email, but unfortunately, we have not had the opportunity to speak with her. We will address her concerns when she returns our call. We apologize for any inconvenience that Ms*** experienced while disputing the merchant chargesShe has our contact information should she have any additional questions or concerns. Thank you, *** ** *** Corporate Customer Response Team NetSpend A TSYS Company

Friday, May 22, 2015To Whom It May Concern:We received complaint # *** filed with your office by *** ***. *** *** states that he did not receive a credit from a merchant. He wants the money returned to his card. On February 1, 2015, Jared Vault charged *** ***’s card
$800.00. He called us about the expected refund that never posted to his account. *** *** disputed the charge on May 15th. We will update his claim in ten business days, May 29th. NetSpend regrets the inconvenience *** *** experienced while waiting on a refund from a merchant. We will do everything we can to assist him in getting his money returned. He has been given our contact information should he have any questions or concerns. Thank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: ***
I am rejecting this response because:
Regards,
*** *** I have talked to several individauls to clear this matter up yet they continue to push me off with more dates of when they will send my refund amount. They stated on 2/my account was closed and they would send my check out 2/27/2018. Then it was they SENT my check out 3/6/2018. I have yet to receive my money (check), and now they wish to give me another date. I WILL BELIEVE IT WHEN I SEE MY CHECK!! I DON'T EVEN TRUST TRACKING NUMBER AFTER DEALING WITH THIS COMPANY!!! I have spoke with fraud, corporate, and supervisor and several customer service agents and everyone continue to give me the run around. I TRUST NOTHING THIS COMPANY HAS STATED AND HONESTLY BELIEVE THE FRAUD WAS WITHIN THIER COMPANY AND THEY ARE THEIVES!!!!!! I NEED AND WANT MY MONEY THAT THEY CONTINUE TO HOLD!!! NOT SURE WHY THEY CHOSE TO HOLD MY MONEY ITS MY MONEY!!!!!

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Mr*** mentions his inconvenience of not receiving a refund that was to occur on his account, and is requesting his concern to be resolvedOn September 23, 2015, we spoke with Mr*** in
efforts to obtain additional details of the refund that was to occur on his accountAfter reviewing his account, we see that Mr*** spoke with our customer service on June 29th to dispute transactions from One Source TalentThere were a total of three transactions that occurred from One Source TalentTwo transactions occurred in March, and one additional transaction occurred in May.The Safe Harbor Rule under Regulation E, advises that a disputes claim can be initiated within days from the date that the unauthorized transaction took placeIf a transaction is out of the day timeframe, NetSpend requires our cardholders to send a disputes letter that provides details of the transaction in questionAt the time that Mr*** spoke with our customer service on June 29th, the timeframe was exceeded to dispute the two March transactions in our systemHowever, our customer service was able to dispute the One Source transaction that occurred in May because it was within the proper timeframeThe two transactions that occurred from One Source Talent in March was out of the timeframe to dispute the transactions in our systemHowever, when our Disputes Department received Mr***’s disputes letter concerning the March transactions on August 8th, our Disputes Department was able to review and investigate his claimMr***’s disputes claim was closed with a payout for the disputed amount on September 24thNetSpend regrets the inconvenience that Mr*** experienced while disputing the transactions from One Source TalentWe have provided him 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 *** ***Mr*** states that his daughter was sent an unsolicited card with her name on it that could potentially lead to identity theftHe wants the card blocked and her information removed from our
systemNetSpend 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 ageOn August 19, 2015, we reached out to Mr*** by telephone and emailWe requested additional information so that we could locate the card offer sent to his daughterOnce we receive the information from him, we will be able cancel that card offer and update our systems to prevent future card offers to his daughterWe regret any inconvenience Mr*** and his daughter experienced as a result of this card offerHe has been given our contact information should he have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Friday, July 14, To Whom It May Concern: Thank you for forwarding Ms*** *** complaint # *** to usAs you requested, we addressed this matter directly with Ms*** on July 14, by way of telephoneWe emailed Ms*** the details of the actions to resolve her
complaint on July 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