Realcor Developments Ltd.

To Whom It May Concern:We received additional comments on complaint # *** filed with your office by *** *** concerning the remaining funds on her accountOn February 16, 2016, we received a direct deposit for *** *** on Ms***’s accountThe deposit automatically posted and was made available for useOn March 9, 2016, a block was placed on Ms***’s account due to the previous deposit received in *** ***’s nameWe requested documents to ensure that Ms*** authorized the deposit on Ms***’s accountOn March 16, 2016, we received identification documents for Ms***The block was not removed because we still needed identification documents for Ms***, along with a notarized letter authorizing the depositWe later received the notarized letter, but the identification documents were not provided.We spoke with Ms*** and Ms*** on April We informed them both of what documents are needed to remove the block from the accountWhen we receive the requested documents, the account will be reviewed for releasing the remaining funds.We apologize that Ms*** did not receive a call backWe have reported this incident and will take any necessary action to prevent this from happening againWe have provided Ms*** with our contact information should she have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Monday, May 1, 2017To Whom It May Concern:Thank you for forwarding Mr*** *** complaint # *** to us. We reviewed Mr*** concerns about the block of his Netspend Card Account. We attempted to reach Mr*** by phone and email on April 28, and May 1, but
unfortunately, we were unable to speak with himWe emailed him the details about the Netspend Card Account and his remaining funds that were returned back to the Social Security Administration 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: Thank you for forwarding Mr*** complaint to usAs you requested, we addressed this matter directly with Mr*** on June 6, by way of telephone. 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

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Mr*** states that he lost his card a couple of months ago and his card was used without his permissionHe wants the money back on his cardOn April 22, 2015, Mr*** reported his card
as stolen and he disputed charges as unauthorized by himThe charges occurred during the timeframe of February 24th and March 30thWe request that our cardholders report lost or stolen cards as soon as possible to help prevent unauthorized useWe updated his disputes claim on May 6th with no error found and no provisional credit issuedWe concluded our investigation and closed the claim on that same dayWe have mailed a disputes closure letter to Mr***’s addressWe suggest that he contact the authorities to report the theftNetSpend regrets the inconvenience that Mr*** experienced with the misuse of his cardWe 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 *** *** concerning the closure of her account without her permissionShe’s requesting for her account to be opened. On February 4, 2016, Ms*** called customer service to close all of her
accounts, except for one. The agent complied with her request, but mistakenly requested for the desired account to be closed also. Our Accounting Department removed the funds from Ms***’s account the next day and mailed her a check on February 8th. When our Accounting Department reclosed her account on February 8th, a member of the Corporate Customer Response Team contacted Ms*** and reversed the funds back to her account. It is now open for use. NetSpend regrets the inconvenience that Ms*** has experienced with the closing of her active accountWe apologize for the error and have taken appropriate actions to prevent a reoccurrence. 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 block on her account that was caused by a merchant refundShe’s requesting access to her funds Our Fraud Prevention Team regularly monitors account activity in order to
provide a safe and secure product for all of our cardholdersOn February 23, 2016, a systemic block was placed on Ms*** account after she received a refund from a merchantIn the event that a refund takes place on a NetSpend account with no corresponding debit, it’s our policy to request a copy of the original purchase receipt in order to authenticate the refundThis policy is in accordance with our responsibilities under the MasterCard processing rules. On February 26th, I spoke with Ms*** to address her full concernsOn February 29th, our Risk Management Team was able to speak with the merchant to validate the refund and removed the block on her account.NetSpend regrets the inconvenience that Ms*** experienced as a result of the block on her accountShe has my contact information should she have any further questions or concerns.Thank you,*** ***Corporate Customer Response TeamNetSpend A TSYS Company

Wednesday, June 7, To Whom It May Concern: Thank you for forwarding Ms*** ***‘ complaint # *** to usAs you requested, we addressed this matter directly with Ms*** on June 2, by way of telephoneWe sent her an email detailing the actions taken on her account to
resolve her concerns 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 inconvenience she experienced of being directed to open a new account in order to transfer her fundsShe mentions that she was misinformed to open multiple accounts and pay additional
fees On December 2, 2015, Ms*** purchased her first Netspend cardOn February 9, 2016, Ms*** contacted us after her tax refund posted to her account because she did not have an active cardMs*** had opened a new account, blocking her original card as lost/stolen, and requested to have her funds transferredMs*** was advised of our standard fee for transferring fundsMs*** transferred partial funds, as transfer limits are set by our Risk Management Department to help protect against loss of fundsMs*** stated that in order to transfer more funds, she was advised to go purchase a third card costing her additional fees On February 25, 2016, I spoke with Ms*** to address her full concerns.NetSpend apologizes for the misinformation that Ms*** received when trying to retrieve her funds I have addressed the fees with her and ordered a replacement card to be expedited to her I have provided Ms*** with 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: Thank you for forwarding Mr***’s complaint to usAs you requested, we addressed this matter directly with Mr*** on December 27, 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 closure of his accountOn November 10, 2016, Mr*** contacted us to report that two ATM transaction errors were made on his accountWe promptly opened two dispute claims and
began our investigationWe informed Mr*** of the investigation timeframe afforded under Regulation EWe closed the dispute claims on November 23, with no credits issued because the merchant provided documents to validate both transactions The results of the claims were mailed to Mr***Additionally, our Risk Management Team closed Mr*** account on November 23, 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.A member of our Corporate Response Team spoke with Mr*** on November We informed him a check for his remaining card balance will be mailed to him within the next ten business daysWe have provided Mr*** with our contact information should he have any additional questions or concernsThank 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 me
Regards,
*** *

To Whom It May Concern:We received complaint # *** filed with your office by *** *** *** mentions a card offer sent to a minor childHe wants to know how we got the minor’s address to send the cardNetSpend 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 activatedDuring activation, NetSpend 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 card offer activation, we collect social security number and date of birth to verify identity onlyWe do not know the age of the recipient until activationWe sent communications to *** *** to obtain the necessary information to locate the card offer he is referencingOnce he gives us that data we will be able to assist with his requestsNetSpend regrets the inconvenience *** *** experienced due to the card offer sent to his childHe has been given 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 am not closing this Revdex.com complaint until I am satisfied and there is some sort of resolution that doesn't involve me losing thousands of dollarsThe investigation uncovered "risk factors" that deemed me ineligible for an account, but you guys can't determine that the majority of the charges made during my incarceration were fruadSo your investigation team can punish me for something that happened while I was in jail but not find and punish the person who stole my debit card information and took a flight? Nice
Regards,
*** ***

Friday, May 19, To Whom It May Concern:Thank you for forwarding Ms*** *** additional comments on complaint # *** to usAs you requested, we addressed this matter directly with Ms*** on May 19, by way of telephoneWe also emailed her the details on her dispute claims and closed Card AccountsThank 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 a refund she is waiting to receive.On April 1, 2016, Ms*** received refunds on her account from CVS PHARMACYA systemic block was placed on her account because the refund did not correspond with
any debits posted by the same merchantWe requested Ms*** to send us a copy of the original purchase receipt of the transaction in order to authenticate the refundMs*** advised she would be unable to send copies of the original purchase receipts and that the merchant could not reverse the refundOn April 12, our Risk Management Team closed Ms*** account due to risk factors that were identified.A member of our Corporate Response Team reached out to Ms*** on August 18, regarding her fundsAfter further review by our Risk Management Team, we advised Ms*** that we are mailing her a refund check for the remaining funds on her account to the address on fileMs*** 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: Thank you for forwarding Mr***’ complaint to usDuring routine monitoring, we placed a temporary restriction on Mr***’ account on December 29, because we detected suspicious activity. In order to remove the restriction, we asked Mr*** to
provide us with copies of his identification documents to validate his identityWe attempted to reach Mr*** by phone and email on January and January 11, but unfortunately, were unable to speak with Mr***We emailed him a letter on January outlining our actions to resolve his complaintIt should be received within the next five business days. 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 Billy 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 concernThank you, *** *** Customer Experience Analyst Netspend, a TSYS Company

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a block that took place on her card that was caused by a previous negative balance. She’s requesting the block to be removed in order to access the account. On February 9,
2016, a direct deposit arrived for posting to Ms***’s account. Our system recognized that she had a previous negative balance for more than days, and it automatically blocked the accountMs*** was advised that her past due amount would be recovered from the recent deposit and the blocked would be removed. The block was removed the next day after the funds were recovered. We spoke with Ms*** and explained the previous account activity on February 10th. NetSpend regrets the inconvenience that she experienced while attempting to use her card. 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 her request to be reimbursed for a payment that did not go through, but was charged to her NetSpend account. NetSpend’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 December 28, 2015, Ms***’s card was charged $twice by *** *** ***She called customer service to report that the transactions were declined in the merchant’s system. We released the pending charge from that merchant, and Ms*** reattempted the charges fifteen minutes laterShe called customer service again to report that the additional attempts with GTL* Inmate declinedWe released the pending charges a second timeThirteen hours later the Merchant collected the two $transactions from Ms***’s card balanceOn the next day she disputed the transactions, and our customer service informed her that an update would be provided to her within business days due to the new account statusOn January 20, the claim was updated with no provisional credit awarded, as a result of the claim typeAdditionally, we never received a disputes letter from Ms*** to assist our Disputes Department with her claimHer claim will be resolved by February 19thWe spoke with Ms*** on January 20th and explained the disputes process and timeframes to herWe 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

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning the inconvenience he experienced with activating his NetSpend cardHe’s requesting a refund for the maintenance fees deducted from the card balance. 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 them. This information can be found on the outside of our card packaging. In addition we inform the customer on the front of the package this is not a gift card and that the person must be at least years old. On January 21, we spoke with Mr*** and addressed his concernsWe refunded the account maintenance fees charged as a result of account inactivity, and informed him on how to best utilize our productNetSpend regrets the inconvenience that Mr*** experienced while attempting to activate his 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: We received complaint # *** filed with your office by *** *** concerning text messages that he receives on his cell phone from Netspend, although he doesn’t have an accountHe’s requesting his number to be removed. On January 5, 2016, we corresponded with
Mr*** by email, and he provided us with the phone number that is receiving the text messagesUnfortunately we are unable to locate a NetSpend account that’s associated with his phone numberMr*** advised that the last time he received a text message was on December 23, If Mr*** receives another text message, he will call to inform usNetSpend regrets the inconvenience that Mr*** experienced as a result of receiving the text messagesWe have provided him our contact information should he have any additional questions or concerns. Thank you, *** ** *** Corporate Customer Response Team NetSpend A TSYS Company