Realcor Developments Ltd.

To Whom It May Concern: We received complaint # *** filed with your office by Yasmin Raphael concerning the inconvenience that she’s experiencing with her disputes claimShe’s requesting to be reimbursed for the disputed transactions. On November 19, 2015, Ms*** disputed two
unauthorized transactions that occurred on her NetSpend Western Union card on November 16thWe informed her that an update would be provided within ten business days, December 4thOn the tenth business day, our Disputes Department requested additional information to assist with the investigationMs*** disputes letter was received on December 19thTwo days later, her claim was closed with no error found on the disputed transactions, and no funds were reimbursed to the account. The next day we mailed a disputes closure letter to Ms*** address that outlined the conclusion of her disputes claim. We reached out to Ms*** on January 18, 2016, but unfortunately we have not had the opportunity to speak with herWe will address her concerns when she returns our callNetSpend regrets the inconvenience that Ms*** experienced as a result of the disputes claim decisionWe have provided her our contact information should she have any additional questions or concerns. Thank you, *** ** *** Corporate Customer Response Team NetSpend A TSYS Company

Monday, January 29, 2018To Whom It May Concern: Thank you for forwarding Mr*** 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 Mr*** dispute claim and complaintAfter review, we’ve determined that his claim was handled correctly. As you requested, we addressed this matter directly with Mr*** on January 29, 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 *** ***-***s concerning her direct deposit and a scam she encountered on Facebook.On April 20, 2016, Ms***-***s received a direct deposit under her maiden name Since the name on the deposit did
not match the name on the account, we requested documents to verify Ms***-***s’ identity We received acceptable documents and Ms***-***s’ deposit was made available on April 21.Ms***-***s later received a message from a fake Facebook account claiming to be associated with NetSpend Ms***-***s did not feel comfortable with the attempted fraud and requested to transfer her balance to another account For security reasons, we were unable to transfer her funds to another account We apologize that our Customer Service Department provided misinformation regarding the transfer We have notified the management staff of the agents to prevent incidents like this in the future.We spoke with Ms***-***s on April 25, to address her recent experience regarding the scam she encountered We have relayed the information she provided to our Risk Management Department and we are investigating this scam The fake Facebook account posing to be associated with NetSpend has been disabled Fortunately, Ms***-***s did not provide the Facebook account with any of her informationMs***-***s’ account was closed on April per her request and a refund check will be mailed to the address on fileShe should receive this check within business days.We have provided Ms***-***s 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 meNo one contacted me to explain anything but my money was refunded
Regards,
*** ***

January 19, 2018To Whom It May Concern: Thank you for forwarding Ms***’s 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.We attempted to reach Ms*** by phone and email on January 17, 2018, but unfortunately, we were unable to speak with herThe email we sent outlined our actions to resolve her complaint. Her case has been assigned to a Corporate Customer Response Team Analyst, ***Should she contact our Customer Service Department we have left notes on her account for her to be connected with *** to further assist her with this matter. 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 a merchant refundOn May 6, 2016, *** *** *** collected $from *** ***s account*** *** contacted us later that day to advise the charge has been cancelled*** ***
*** later issued a refund of $Upon receiving her complaint, we spoke to *** *** on May to discuss her transactions*** *** informed us that she agreed to the partial payment from the merchant so she could receive some of her money backWe offered to dispute the transaction against *** *** ***, but she declinedWe provided *** *** 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: Thank you for forwarding Ms*** complaint to usWe are sorry to hear that Ms*** had a bad experience with our Customer Service Department. We have reported this incident to the management staff of the customer service agents she spoke with to ensure that
they receive appropriate coaching on our policies and proceduresAs you requested, we addressed this matter directly with Ms*** on June 29, by way of e-mailOur records show the Card Account is closed and a check was mailed on June 28, to her address on file with the remaining account balanceShe should receive the check within 7-business daysThank you for bringing this matter to our attentionThank you, *** *** Customer Experience Analyst Netspend, a TSYS Company

Monday, September 12, 2016To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning the fees associated with his NetSpend card.The card Mr*** purchased at a retail store on September 1, 2016, is a reloadable, prepaid debit 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 account. The most common fees for using the card and for maintaining the account, including transaction 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.In response to this communication, on September 8, a member of our Corporate Response Team spoke with Mr*** We informed him of the transaction fees and where it is displayed on the card packaging As a courtesy, we refunded his transaction fees back to the card balance We provided Mr*** with our contact information should he 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
Regards,
*** ***Thank you

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 On November 25, 2016, an individual identifying themselves as Ms*** initiated an account-to-account transfer of her funds to another NetSpend
cardholder’s account. Ms*** contacted our Customer Service Department, after receiving an alert of the funds transfer, to report that her card had been compromised and she did not authorize the transferWe promptly opened a dispute claim and began our investigationWe informed Ms*** of the investigation timeframe afforded under Regulation E. We also disabled the account-to-account transfer feature on her account to prevent further unauthorized transfers We concluded our investigation of Ms***’s dispute claim on December 09, and provided full reimbursement for the dispute transaction. A member of our Corporate Response Team spoke with Ms*** on December 14, to address her concernsAdditionally, we reimbursed Ms*** for the card expedite fee We understand how frustrating it can be to experience unauthorized activity on your 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 concerns. Thank you, *** *** Corporate Customer Response Team NetSpend, A TSYS Company

Complaint: ***
I am rejecting this response because: I know I did not make those transactions, and after speaking to the company I decided to close my account and never do business with them again
Regards,
*** ***

Complaint: ***
I am rejecting this response because: this is what I was told when I called netSpendAnd was told to just throw the card awayIt came I'm my daughter's name how can I just throw it away? She is a child and they sent a child a credit cardIn the offers you have to put in a DOB so with by Dr DOB she could not have got the offerAnd as I said before it is federal Laws that hold under credit cards and by federal law they federaly used my child's name with out my knowledge
Regards,
*** ***

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Mr*** states that his account was shut down because he sent documents to add his wife as a secondary cardholderHe wants the remaining funds sent to him as soon as possibleOn July 23, 2015,
Mr*** added his wife as a secondary cardholder on his accountThe information provided could not be validated through our Customer Identification Process so we requested that documents be sent to confirm the addition of the new cardholderThe documents sent in to verify the information were unacceptableOur Risk Department closed the account on July 30th after review of the documentsA check for the remaining funds on the account was mailed to Mr*** on August 6thWe apologize for the inconvenience that Mr*** experienced as a result of the account closureWe have provided him with our contact information should he have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Friday, February 19, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a card she has not received due to an incorrect address. She’s requesting to receive a NetSpend card in order to access her deposit. On
January 31, 2016, Ms*** ordered a new NetSpend card while processing her tax refund through Turbo Tax. She contacted us on February 9th, when her income tax refund posted to her account, to inform us that she did not receive her card. Customer Service explained that the timeframe of ten business days to receive a card order would expire on February 16th. When she called back the next day, February 10th, Customer Service transferred some of her funds to another NetSpend card in her name. Ms*** called on February 13th and a card order was expedited to her address. She received that card and activated it on February 17th. We reached out to Ms*** on February 15th by telephone and email. We have not had the opportunity to speak with her, but will assist her when she returns our call. As a courtesy, we refunded her transaction fees. NetSpend regrets any inconvenience that Ms*** experienced with receiving the card to her addressShe has been given 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 NetSpend account notifications he has received by email.After review, it is possible that Mr***’s email address was provided to us in error We have attempted to reach Mr
***, but have not had the opportunity to speak with him We will assist Mr*** further once he contacts us back.Mr*** has been provided with our information should he have any other concerns.Thank you,*** ***Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern: Thank you for forwarding Ms*** complaint to usWhen 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 determined that her claim is being handled correctly. Ms*** will receive an update by the end of the business day, June 1, As you requested, we addressed this matter directly with Ms*** on May 23, by way of telephone. We provided her with further insight on the dispute processWe also sent an email that outlined our actions to resolve her complaintThank 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 a rebuttal complaint # *** filed with your office by *** ***Ms*** states that she received the check, but it was not for the amount she expectedShe wants the full amount paid for the cardAs we requested in our previous response, we needed more details from Ms*** to locate the specific card she was referencing in the complaintWe appreciate her providing that card numberShe had already requested that the account be closed and a check was mailed to her addressThe NetSpend fee for processing that check is $and that is why the check she received was for $We have refunded the cost of the card and the processing feeA second check will be mailed to Ms*** in the name that appears on the accountShe will receive that check within business daysMs*** has been given 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
However I would like to add that I was able to get someone to transfer money from my account, my momHowever she had never used her Net-spend card and was not aware there was a fee of $each time she uses the card as a pinShe was charged $total in less than a week, and she would like this waivedShe is willing to get the $fee planShe called and was treated rudely and put on holed for minutes and nobody ever came to the lineShe has since sent an email to them and is waiting a reply, just not sure how compliant they will be. Also, we were able to transfer from my account, however they only allow $within a hour periodSo I did the first transfer, spent most on my rentThen I tried to make another transfer but had to wait hrs, thus by the time I was able to that night on Christmas Eve, ALL of the stores were closed near me and the next day closedSo I had to eat a microwave dinner for Christmas day with my children, since the only open store was ***! This has been the worst holiday I have experienced, all due to a question on my account and my card being blocked during the holidaysI received my new card, of course, a day after Christmas, December 26th, 2015.
Regards,
*** ***

Complaint: ***
I am rejecting this response because: I have not received the checkMy name is *** ***, and my address is *** *** *** *** *** *** ** *** That is where the check needs to be sentI will accept the business response only if I get my money back
Regards,
*** ***