Realcor Developments Ltd.

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning the access to her account balanceOn July 16, 2016, Ms*** contacted us to report an unauthorized transaction that posted to her account. We immediately blocked the
card to prevent further use. We also opened a dispute claim and promptly began our investigation. On July 29, we concluded our investigation and issued full reimbursement for the disputed transaction to Ms***’s account. On July 20, Ms*** purchased a new NetSpend account to transfer the remaining account balance from her old account. Because the permanent card on the new account had not been activated, the transfer feature was restricted. In response to this communication, we spoke to Ms*** on July 26, and addressed her concerns. The restriction was removed from Ms***’s account and she was able to transfer funds between her accountsWe 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***’s complaint to usAs you requested, we addressed this matter directly with Mr*** on October 11, 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 inconvenience she experienced with her card being blockedShe’s requesting her card be unblocked for use Our Risk Management Team regularly monitors account activity in order to
provide a safe and secure product for all of our cardholdersOur Risk Management Team identified risk factors that led to the blocking of Ms*** account on February 25, Ms*** spoke with our Fraud Team to verify her account, however, for the protection of her account a replacement card was ordered which she activated for use on March 1st. On March 4th, I spoke with Ms*** to address her full concerns.NetSpend regrets the inconvenience that Ms*** experienced with her card being blockedWe have provided her our contact information should she have any additional questions or concerns Thank you,*** ***Corporate Customer Response TeamNetSpend A TSYS Company

Friday, September 18, 2015To Whom It May Concern:We received complaint # *** filed with your office by *** ***. Ms*** mentions that she incurred several declined transaction fees due to unauthorized charge attempts on her card. She requests credit for the decline fees
since she did not attempt the transactions. On September 18, 2015, we spoke with Ms*** and informed her that all the fees have been credited back to her account. NetSpend / Skylight appreciates Ms*** for being a loyal user of our card and we regret that she was inconvenienced by the unauthorized attempts. Ms*** has been given my contact information should she have any further questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: ***
I am rejecting this response because:The business that I purchased the card from did not allow me open the inside flap prior to purchase therefore I did not have the information that verifying my identification would be neededAdditionally, I provided the company with copies of my drivers license, social security card and State of Florida issued vehicle registration, times! Would be happy to forward those emails for documentationMaybe this company is sexist against women named *** *** and did not want to approve my documents. They also informed me that there was an issue with my social security number, which I called the Social Security Administration, and they verified everything was fineIt is very apparent to me that this company only wanted to illegally hold my funds and deny activation of the card
Regards,
*** *** ***

Friday, January 22nd, To Whom It May Concern: We received complaint #*** filed with your office by *** ***r concerning an account block on her NetSpend accontWe attempted to locate an account with *** *** phone number that’s listed in the Revdex.com complaint, but were unsuccessful
On January, 20, 2016, we reached out to *** ***r by telephone and email to address the block on her NetSpend accountThe email address listed within the Revdex.com complaint is not validWe have not had the opportunity to speak with *** ***r, but will further assist her once we can obtain additional information for the customerWe apologize for the problems *** ***r has experienced with our productWe 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 Tell us why here

Complaint: ***
I am rejecting this response because: A POLICE REPORT WAS SENT TO THE COMPANY ALONE WITH A LETTER STATING THAT A CARD WAS NEVER ISSUED FOR MY ACCOUNTAGAIN I ONLY HAD THE ACCOUNT SET UP TO RECEIVE $DIRECT DEPOSITI NEVER RECEIVED ANY NOTIFICATIONS THAT THE COMPANY(NETSPEND) ALLOWED SOMEONE TO HAVE ACCESS TO MY ACCOUNTAND CONCERNING SOMEONE SENDING ME A EMAIL, IT WAS NEVER RECEIVEDI RECEIVED A VOICEMAIL AND SHE TOLD ME TO CALLBACK, BEEN CALLING AND STILL NO ANSWERI HAVE LEFT MESSAGE AFTER MESSAGE AND SHE STILL HAS NOT FOLLOWED UPSO IF WE NEED TO TAKE THIS TO COURT I CAN START FILING THE PAPERS TODAY
Regards,
*** ***

To Whom It May Concern:We received complaint # *** filed with your office by *** *** Ms*** states that her overdraft protection was temporarily suspended without being forewarned.The optional Overdraft Protection Program (ODP) allows eligible customers with direct deposit
to complete transactions that would normally be declined for insufficient funds Each time the card balance goes into the negative beyond the $buffer, a $ODP fee is incurred NetSpend will only collect three overdraft fees per calendar month NetSpend must remain compliant with regulations that govern financial industriesIn order to remain compliant, our policy requires NetSpend to monitor each cardholder’s use of the Optional Overdraft Protection service, and suspend it if too many overdrafts are incurred.On February 7, 2016, Ms*** ODP service on her account went into a temporary cooling off period for ninety days The ODP will become eligible for activation again on May 7th as long as Ms*** opts back into ODP, and meets the requirements to reactive the service. On March 23rd, I spoke with Ms*** to address her full concerns. We apologize for the inconvenience that Ms*** experienced as a result of the ODP suspension We have provided her 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 *** ***Mr*** states that he disputed an unauthorized chargeHis card was blocked and no credit was issuedHe wants the credit for the disputed amount and the fee to transfer his funds to another
cardOn May 28, 2015, Mr*** disputed a charge from Venmo through the NetSpend online account centerThe system automatically blocked the compromised card to protect against further unauthorized useWe updated his disputes claim on the tenth business day, June 11th, with a credit for the disputed amountWe issued a credit for the transfer fees on June 17thNetSpend regrets any inconvenience Mr*** experienced as a result of the unauthorized chargeWe have provided him 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:We received complaint # *** filed with your office by *** *** concerning the block on his NetSpend card He received his refund check for the blocked account, but mentions he is unable to cash it.On February 16, 2016, a check for the account balance was mailed to Mr*** When he tried to cash the check at Walmart, he was advised that it was rejectedI confirmed to Mr*** that he should be able to cash his check as long as he presents a valid ID.NetSpend regrets the inconvenience that Mr*** experienced while attempting to cash his check 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

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning her disputes claim.On May 17, 2016, Ms*** contacted us to dispute an unauthorized transaction that posted to her account We immediately blocked her card to prevent any further
unauthorized use A dispute claim was opened and we promptly began our investigation. Upon receipt of her complaint, we reached out to Ms*** on May to discuss her claimWe have issued a provisional credit to Ms***’s account while her claim is investigated 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

Wednesday, July 25, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning the closure of her accountOn July 8, 2016, Ms*** contacted our Customer Service Department to report her card as stolen and reported transactions
as unauthorized, which posted to her account during the timeframe of June to July We immediately blocked her compromised card to prevent any further unauthorized charges and ordered her a replacementWe promptly opened a dispute claim and began our investigationWe also informed Ms*** of the investigation timeframes afforded under Regulation EOn July 22, our Risk Management Team closed Ms***’s account due to risk factors that were identified during our investigationAs a result, Ms*** is no longer eligible for products managed by NetSpendWe concluded our investigation of Ms***’s dispute claim on July and no credit was issued because we did not find that an error occurredWe have reason to believe that the transactions were authorized and that Ms*** benefited from the transactionsIn response to Ms***’s communication, we spoke with her on July 25, and discussed the closure of her accountShe mentioned that she did not receive the claim closure letterOur Disputes Department will email the closure letter and investigation documents to Ms*** within business hoursWe 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 NetSpend Card Account she received as a gift The card Ms*** received is a reloadable, prepaid debit card and not a gift cardThis type of product is intended
for individuals who wish to have access to an electronic form of payment, but would like an alternative to a traditional bank accountWe understand that because she gave the card as a gift she may not have the original card package which states “This is not a gift card” on the front of the package The most common fees for using the card and for maintaining the account, including account maintenance fees, are fully disclosed in the cardholder agreement and are visible to consumers prior to activationThe product comes with a variety of fee plans in order to meet the diverse needs of our consumers On February 14, 2015, the temporary card given to Ms*** was purchased at a retail store and loaded with $25.00. The temporary card expired on July 07, 2015. In accordance with the terms and conditions of the Card Account, a $maintenance fee is charged monthly after days of inactivity. This fee reduced the $card balance to zero on September 14, 2015. On February 6, 2017, Ms*** called to activate her card account and was informed that the card balance was zero. We also informed her that the card she had in her possession was expired and we would need to order a new card A member of our Corporate Office spoke with Ms*** on February 9, 2017, and explained the options for gaining access to her fundsWe reimbursed all the maintenance fees charged and restored the card balance to the original amountWe expedited a card at no cost, to her address on file. Ms*** should receive the card with 1-business days and be able to access her funds We have provided Ms*** with our contact information should she have any additional questions or concerns. Thank you, *** ** *** Customer Experience Specialist NetSpend A TSYS Company

Tuesday, February 14, 2017To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning a block on his Small Business Card Account. On February 11, 2017, Mr*** attempted to activate his new Small Business Card Account Our
system recognized that he had a previous negative balance and we automatically blocked the Card Account until the issue could be resolved In response to his communication, a member of our Corporate Office spoke with Mr*** on February 13, and provided options to fund his previous Card Accounts and remove the block on his Small Business Card Account We have provided Mr*** with our contact information should he have any additional questions or concerns. Thanks,*** ** *** Corporate Customer Response TeamNetspend, a TSYS Company

To Whom It May Concern:We received complaint # *** filed with your office by *** *** regarding his request to be reimubrsed for the funds loaded to his PrePaid cards. On January 18th I reached out to Mr*** by phone and emailI have not been able to reach Mr*** by phone,
however he replied to my email on January 19th advising that our customer service assisted him with his account closures and he will receive a refund check within business days. NetSpend regrets the inconvenience that Mr*** experienced with our productWe have provided him 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 the inconvenience she experienced with receiving her direct deposit. She’s requesting information about her tax refund status. On February 16, 2016, we reached out to Ms
*** by telephone and email. We have not spoken with her but will assist once she returns our call. We recommend that Ms*** contact the IRS directly as NetSpend has not received a deposit to her account. She can confirm her tax refund status by calling *** or *** and clicking on the, “Where is my refund” buttonNetSpend regrets the inconvenience that Ms*** experienced while waiting on her tax refund. 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 the issues she experienced with activating her card that was received as a gift.To help the Federal Government fight against funding terrorism and money laundering activities, federal law
requires all financial institutions to obtain, verify, and record information that identifies each person who opens a prepaid debit card accountWhen our cardholders open a card account, we will ask for their name, physical street address, date of birth, and other information that will allow us to reasonably identify themThis information can be found on the outside of our card packaging In addition we inform the customer on the front of the package that this is not a Gift Card On March 9, 2016, Ms*** spoke with our Corporate Office to address her full concerns and we explained the fees that were chargedA replacement card was ordered to be mailed to Ms*** at the address on file on March 6thShe will have access to her funds once she activates the card.NetSpend regrets the inconvenience that Ms*** experienced with trying to access her funds We have provided her 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 *** ***Mr*** states that he used the card twice and then it was declined for purchasesHe wants the remaining balance of $in a check.On July 9, 2015, we spoke with Mr*** and he informed us
that his matter has been resolvedHe was able to spend the remaining funds on his cardHis previous declined transactions were due to the transaction fees charged with each use of the cardWhen the card is used as a credit there is a $transaction feeCard transactions done as debit incur a $feeWe appreciate the feedback that Mr*** providedNetSpend regrets the inconvenience that Mr*** experienced while trying to use the funds on his cardWe 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 feel I didn't do anything wrong for them to block me from servicesI received my direct deposit just fine and they ban me from netspend or any other prepaid cards like some criminal I'm highly upset and I have not received my check yetU would like a valid reason why why they closed my account and they have not given that to me
Regards,
*** ***

Complaint: ***
I am rejecting this response because:
Regards,
*** ***