Realcor Developments Ltd.

Wednesday, January 16, 2018To Whom It May Concern:Thank you for forwarding Ms*** ***’ complaint *** to us. 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 themThe requirement to obtain this information is displayed on the card packaging prior to purchase. The package also states the cardholder must be at least years of age. We attempted to reach Ms*** by telephone on January 16, 2018, but unfortunately, we were unable to speak with her. The email we sent to Ms*** outlined 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

Monday, June 6, To Whom It May Concern: We received additional comments regarding complaint # *** filed with your office by *** *** concerning her disputes claims On May 23, 2016, Ms*** reported several unauthorized transactions that posted to her account. We immediately blocked her card to prevent any further unauthorized use. We opened a dispute claim and promptly began our investigation. On May 25, Ms*** reported an additional unauthorized transaction that was not included on her previous claim. We immediately opened a new dispute claim and began another investigation Upon receipt of her complaint, we reached out to Ms*** on May to discuss her dispute claimsWe explained the dispute process and the investigation timeframes afforded under Regulation E. On June 7, a provisional credit for Ms***’s disputed transactions was applied to her account balance. Her claim investigation will be concluded on August 21. We apologize for the service that Ms*** experienced with our Customer Service Department. We have reported this incident to the management staff of the customer service agents she spoke with 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

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
Thank you for your help Netspend Corporate Office gave me a call back yesterday and told me they called Nordstrom and they verified the return so they have released my funds as of yesterday.They said it should be here within business days I want to thank you again for help I will notify you when I actually receive my refund
Regards,
*** ***-***

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning the funds on his account. 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 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 the fees are listed on the outside cover for viewing before purchasingWe notify the purchaser underneath the card price that this is not a gift card. Mr*** attempted to activate his new account on November 15, 2016, but his identity information could not be automatically verified. We requested him to provide copies of his identification documents to verify his identityOn November 16, Mr*** contacted us to inquire about his account status. We advised him we received his documents, unfortunately, we requested that he resend the documentsMr*** agreed to have his account was set to ‘Limited Use’The ‘Limited Use’ option allows the card to be used for PIN based transactions and in-store purchases only. Once all the funds are dispensed, the account will close and the card can be discarded because it cannot be reloaded A member of our Corporate Response Team, attempted to contact with Mr*** on November 16, but we were unable to speak with himWe apologize for any inconvenience this issue may have causes and for the service that Mr*** experienced with our Customer Service Department. We have reported this incident to the management team of the customer service agents he spoke with so that proper coaching and/or disciplinary action can be taken 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 transactions on her account On August 13, 2016, we received an authorization request from a gas station in Homer Glen, IL to hold two amounts of $on Ms***
accountOn August 16, Ms*** contacted us and reported that she paid for the purchase by other means because the transaction attempts were declinedWe requested Ms*** to provide us with documentation from the merchant that would confirm the cancellation of the transactions in order to release the funds back into her available balance If a cardholder requests a release of a pending transaction before we receive the merchant’s settlement request, we request written confirmation from the merchant advising that the transaction will not be collected. We request confirmation for the protection of our cardholders as well as merchants who, having received authorization for a transaction, have the right to collect for legitimate transactions In response to her communication, we were able to release the pending transactions back into Ms*** available balance and informed her that the release was not a stop payment or cancellation of the transaction We apologize for the service that Ms*** experienced with our Customer Service Department. We have reported this incident to the management staff of the customer service agents he spoke with We have provided Ms*** with our contact information should she need any further assistance. 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 dispute claim and Card Account closure. On March 1, 2017, Ms*** logged into her online account center to dispute several unauthorized transactions that posted on
her Card Account. We immediately blocked the card ending with *** to prevent any further unauthorized use and we ordered her a replacement card. We promptly opened dispute claim *** and began our investigation. We also informed Ms*** of the investigation timeframe afforded under Regulation E. We issued a provisional credit to MsMoore’s card account on March 15, 2017, while we continued our investigation of her dispute claim. The claim is scheduled to be finalized by the end of the day April 14. The results of the claim will be sent to Ms*** in writing within business days of completing our investigation On March 15, we identified several risk factors associated with MsMoore’s Card AccountAs a result, the decision was made to close her Card Account and we are no longer able to offer her NetSpend services. Ms*** will receive a refund check for the remaining Card Account balance within ten business days to her address on file. A member of our Corporate Office spoke with Ms*** on March 29, and provide further insight about her dispute claim and Card Account closure. We notified her through email that our records show her refund check was mailed on March 20, and she should receive within business days Ms*** has been provided with our direct contact information should she have any additional questions concerning this matter. Thank you, *** ** *** Customer Experience Specialist Netspend, a TSYS Company

*** *** ** ***
** ***
** *** *** ** *** *** * *** *** *** *** *** ** *** *** *** *** *** *** ** *** OnSeptember 24, 2015, Mr*** called NetSpend to dispute two unauthorizedcharges from the merchant, U-Haul
for $each We blocked his cardto prevent further unauthorized use, immediately opened a dispute claim andbegan our investigationWe also informed Mr***of the business day investigation timeframe afforded to financialinstitutions under Regulation EIf the merchant realizes their error andcredits Mr***’s card, the funds could be available sooner. We will post the credits when they arereceived from the merchant. Mr.***’s account is currently not closed and in good standing to receive anyfuture direct depositsTo ensure that he can access funds deposited onto hisaccount, we mailed Mr*** a replacement card via 1-day shippingAll associatedcard and shipping fees were waived We understand how frustrating it can be toexperience unauthorized charges Weappreciate Mr***’s patience as we continue our investigation of his claim. We have provided Mr*** our contactinformation should he have any additional questions or concerns. We will also send him a follow up letter toaddress his concerns. Thankyou, *** **
***CorporateCustomer Response TeamNetSpendA TSYS Company

Complaint: ***
I am rejecting this response because: The company called me on Oct 13th and told me even though we are dealing with Revdex.com their decision is not going to change and I just lost my $since it was an pin transactionI told them I felt as if the decision was based off and personal opinion and he confirmed it wasSo there GMT claim was denied because of how he personally feel not factsThat is not okay and I still want my money backYou can not legallydeny me because you personally feel a certain way.
Regards,
*** ***

To Whom It May Concern: Thank you for forwarding Ms***’ complaint to usAs you requested, we addressed this matter directly with Ms*** on December 20, by way of telephone, e-mail, or letterIf 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 *** ***Mrs*** states that she has not received the allotment from her husband’s Army paycheckShe wants the funds deposited to her accountOn April 27, 2015, NetSpend received a deposit from the Army
to Mrs***’s account via Automated Clearing House (ACH)We post these deposits within an hour of receiving them from the senderThis is the only ACH deposit posted to her accountWhen we receive another ACH deposit to Mrs***’s account, it will be posted promptlyShe will need to contact the sender of the recent ACH deposit for information about those fundsWe regret the inconvenience Mrs*** experienced with the anticipated ACH depositWe provided her our contact information should she 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 *** *** concerning her dispute claim. Our November 11, 2016, Mr*** contacted us to dispute a transaction that posted to her accountWe opened a dispute claim and promptly began our investigation
We also informed Mr*** of the investigation timeframe afforded under Regulation E.A member of our Corporate Response Team spoke with Ms*** on November 22, regarding her dispute claimWe confirmed with Ms*** that we will provide her an update on her claim on November On November 25, we blocked Ms*** card when she confirmed the disputed transaction was unauthorizedOn November 28, we issued Ms*** a provisional credit for the disputed transaction while we continue with our investigation The claim is scheduled to be finalized by the end of the day on December The results of the investigation will be sent to Ms*** in writing within business days of completing our investigation. We apologize for the service Ms*** received with our Customer Service Department We have reported this incident to the management staff of the customer service agents she spoke withAdditionally, we understand Ms*** concern that the disputed transaction caused her account balance to be overdrawnIn most cases, transactions will not process through our system if funds are not available on the account However, there are rare instances where this can happen, if the merchant processing the transaction, sends a settlement request to their merchant bank, the transaction can appear forced through the system. 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

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,
*** ***-***

Wednesday, May 3, To Whom It May Concern:Thank you for forwarding Mr*** *** complaint # *** to usAs you requested, we addressed this matter directly with Mr*** on May 2, by way of telephone, and emailThank 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: Thank you for forwarding Ms*** complaint to usAs you requested, we addressed this matter directly with Ms*** on June 26, by way of telephoneIf 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

Tuesday, November 28, To Whom It May Concern: Thank you for forwarding Ms*** ***’s complaint *** to usAs you requested, we addressed this matter directly with Ms*** on November 27, by way of telephoneWe informed Ms*** by email of our actions to resolve her
complaint on the same dayThank 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

Thursday, December 31, To Whom It May Concern: We received complaint # filed with your office by *** *** concerning the disputes claim that he opened for unauthorized transactions that were made on his account. He’s requesting to be refunded for the unauthorized
transactionsOn June 20, 2015, Mr*** disputed transactions as unauthorized that occurred on his NetSpend card between June 17th and June 19th. We informed him that an update would be provided within ten business day. On the tenth business day, our Disputes Department closed his claim with no funds being reimbursed to the account after conducting an internal investigation. We reached out to Mr*** on December 30th and 31st about the claim, but have been unable to speak with himNetSpend regrets the inconvenience that Mr*** experienced as a result of the disputes claim decisionWe have provided our contact information should he/she have any additional questions or concerns. Thank you, *** *** Corporate Customer Response Team NetSpend A TSYS Company

Friday, November 13, 2015To Whom It
May Concern:We received complaint # *** filed with your office by *** *** concerning a block that initiated
on her account after a merchant credit was receivedShe’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 October 16, 2015, a systemic block was placed on Ms
***’s account after Auto Bank Inccredited her card $In 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. The merchant can reverse the credit and issue the funds to Ms*** by
another method of reimbursement. A third
option would be for the merchant to send a Letter of Indemnity to NetSpend so
that the funds can be returned to the originatorThe originator would then
apply the credit by other meansWe have yet to receive acceptable documents to
remove the account block, or return the funds to the merchant. On November 13th, we spoke
with Ms*** concerning the account block. She informed us that Auto Bank Incmade an error in debiting the card
instead of crediting it. After review,
our Fraud Prevention Team has removed all blocks on her account and she can
access the remaining funds. We informed
Ms*** of the account status the same day. NetSpend regrets the inconvenience that
Ms*** experienced as a result of the block on her account. She has been provided my contact information
should she have any further 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 refund checks she has not received. Ms*** contacted Netspend in December of 2015, because she had purchased prepaid debit cards that she mistook for gift cards She
requested that we mail her a check for the funds for each account to her address on fileMs*** later contacted us to advise she had received some of the checks, but not allOur Accounting Team confirmed we were able to place stop payments on the missing checks and reissue new ones to the address on file, which Ms*** confirmed was the correct addressMs*** again contacted us to inform she receive more checks, but not all. I attempted to contact Ms*** by phone and email on March 16th and 17th to address her concerns and she responded via emailI confirmed to her that reissued checks have been mailed out as recent as March 9th which she should receive within business days.NetSpend regrets any inconvenience that Ms*** experienced while waiting to receive her checksShe has been given our contact information should she have any additional questions or concerns Thank you,*** ***Corporate Customer Response TeamNetSpend A TSYS Company

Tuesday, July 5, 2016To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning her disputes claim On June 27, 2016, Ms*** contacted our Customer Service Department to report unauthorized transactions that posted on her account
We immediately opened a dispute claim and began our investigationWe also blocked the card to prevent further unauthorized use and ordered a replacementWe informed Ms*** of the investigation timeframes afforded under Regulation E. On July 5, we concluded our investigation of MsBrownson’s claim and issued full reimbursement for the disputed transactions.We understand how frustrating it can be to experience unauthorized charges on your accountNetSpend is very committed to providing a safe and secure product.We provided Ms*** with our contact information should she have any additional questions or concerns Thank you,*** ***Corporate Customer Response TeamNetSpend A TSYS Company