Realcor Developments Ltd.

Friday, December 18, 2015To Whom It
May Concern:We received complaint # *** filed with your office by *** *** concerning a block on his account
that was caused by a merchant refundHe’s requesting access to his funds. Our Fraud Prevention Team regularly
monitors account
activity in order to provide a safe and secure product for all
of our cardholdersOn December 11, 2015, a systemic block was placed on Mr
*** account after Professional Services Refund IE credited his 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 VISA processing rulesThe merchant can also
reverse the credit and issue the funds to Mr* *** 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 means. On December 18th, we reached
out to Mr* *** by telephone and email. We have yet to speak with him, but will assist with his concerns when he
returns our call. NetSpend regrets the
inconvenience that Mr* *** experienced as a result of the block on his
account. He has been provided my contact
information should he have any further questions or concernsThank you,Billy L
CampbellCorporate
Customer Response TeamNetSpend 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 March 22, 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 *** *** Ms*** states that her account was blocked and she was prevented from using the funds that she loaded on her two new cardsShe’s requesting access to her funds on both cards
On October 29, 2014, Ms***’ account triggered a block as a result of not having enough identity information to activate her two accounts. On July 21, 2015, I spoke with Ms*** and verified the additional information that was needed to activate her accountsAfter verifying the information, the block was removed and Ms*** was able to access her funds. NetSpend regrets any inconvenience Ms*** experiencedShe has been given our contact information should she have questions or concerns Thank you,*** ***Corporate Customer Response TeamNetSpend A TSYS Company

Wednesday, September 14, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning the overdraft fees associated with his account On September 2, 2016, at 5:AM, Mr*** completed an ATM 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. The posted card balance after hours was negative $75.71. 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 (ODP) Service Fee for each transaction approved after their Card Account balance was greater than $overdrawn On September 8, Mr*** called about the Overdraft fee on his account caused by Planet Fitness charging $1. The charge and the ODP fee was pending waiting for the merchant to collect. A few minutes later the merchant released the charge and the funds were never collected. The balance remained negative $75.71. The next day Planet Fitness collected $from Mr*** account and the new balance with the ODP fee became negative $91.71. In response to his communication, a member of our Corporate Customer Response Team spoke with Mr***, and explained the overdraft charges and collections. As a courtesy, we reimbursed the overdraft fee of $resulting from the Planet Fitness $chargeOn September 20, we completed our investigation of his dispute claim and provided full reimbursement for the disputed transaction, another overdraft fee for $and transaction fees associated with the disputed charge 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

Friday, August 18, To Whom It May Concern: Thank you for forwarding Mrs*** ***’s complaint # *** to usAs you requested, we addressed this matter directly with Mrs*** on August 15, by way of telephoneWe corresponded with Mrs*** by email detailing the
actions taken on her son’s account to resolve her concerns on August 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

Thursday, December 8, 2016To Whom It May Concern:We received additional comments regarding complaint # *** filed with your office by *** *** concerning a new card activation We appreciate Ms***’s additional comments We re-reviewed the documents sent on behalf of Mr*** *** and we confirmed the documents were unacceptable to add him to Ms***’s account or accept the direct deposit in his name The risk factors that led to the closure of Ms***’s account on February are not shared with consumers for security reasons Ms*** is no longer eligible for products managed by NetSpend.A member of our Corporate Customer Response Team reached out to Ms*** on December 8, 2016, but we have not had to opportunity to speak with her We emailed Ms*** excerpts from the card terms and conditions stating that she is responsible for each additional person she authorizes on her 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

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
I received refund minus processing fee 12/28/2016, notified Mr *** (Netspend rep) by email on the 29th that I received it, which he responded the same day that he was sending another check in the amount of the deducted fee as well
Regards,
*** ***

Thursday, February 9, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning transfer from her bank account to her Netspend cardOn January 31, 2017, Ms*** sent us a secure website message to inquire why she was unable to complete an
Instant Bank transfer from her bank card onto her Netspend cardThe next day she asked to dispute charges that were debited from her bank card by NetSpendBecause Netspend cannot view the activity on her bank card we recommended that she contact Vesta Customer Care at *** for further assistance regarding this issue Vesta support the Vesta Instant Bank Transfer featureIn response to this communication, on February 03, 2017, a member of our Corporate Office reached out to Ms*** to discuss this matter however she was unavailable at that timeWe also emailed Ms*** the contact information for Vesta Customer Care that supports the Vesta Instant Bank Transfer featureWe have provided Ms*** with our contact information should she have any additional questions or concernsThank you, *** ** ***Corporate 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 with adding Jason *** to her account. On February 19th, I spoke with Ms*** and Mr*** to address their concerns in which we were able to approve Jason as a user on her accountWe expressed our apologies that Mr*** was not verified to be user on her account in a timely mannerUnfortunately, his direct deposit was rejected because we were unable to verify his information before the settlement date of the deposit NetSpend regrets the inconvenience that Ms*** experienced while attempting to add Mr*** to her account 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: Thank you for forwarding Ms***’s complaint to usAs you requested, we addressed this matter directly with Ms*** on September 6, 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 Tell us why here

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
This is to inform you that in regards to the above complaint ID, this matter was expedited and resolved by Netspend Thank
you for your assistance in this matter
Regards,
*** ***

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning her dispute claim On October 21, 2016, Ms*** contacted our Customer Service Department regarding an ATM transaction that she did not receive funds forWe promptly
opened a dispute claim and began our investigationWe also informed Ms*** of the investigation timeframe afforded under Regulation E. A member of our Corporate Response Team attempted to contact Ms*** on November 09, to discuss her dispute claimUnfortunately, we were unable to speak with her. We completed our investigation on November 4, and provided full reimbursement to Ms***’s account for the disputed transactions, including any fees associated with the ATMThe results of the investigation were mailed to Ms***, in writing within business days of completing our investigation 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 *** *** concerning the inconvenience he experienced with receiving his direct deposit. He’s requesting information about his tax refund status. On February 26, 2016, we reached out to Mr* ***
by telephone and email. We have not spoken with him, but will assist once he returns our call. We recommend that Mr* *** contact the IRS directly as NetSpend has not received a deposit to his account. He can confirm his tax refund status by calling *** or visiting www.irs.gov and clicking on the, “Where is my refund” buttonNetSpend regrets the inconvenience that Mr* *** experienced while waiting on his tax refund. We 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: Thank you for forwarding Ms*** ***’s 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 validated that Ms***’s card is no longer active and cannot be used for additional unauthorized transactions. We completed the investigation of Ms***’s claim on September 6, and issued full reimbursement for the disputed transactionsWe attempted to reach Ms*** on September 5, and 7, by telephone and by email, but unfortunately, we were unable to speak with herThe email we sent outlined our actions to resolve her complaintThe results of the investigation will be mailed to Ms***’s address on file and should be received within business days 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: We received complaint # *** filed with your office by *** *** concerning the inconvenience her daughter experienced with activating her NetSpend cardShe’s requesting a refund for the card. 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 leastyears old. Ms*** purchased the NetSpend card on December 24, 2015, and from reviewing her account, there have been no attempts to activate the cardWe reached out to Ms*** on January 11, telephone and email. We have not had the opportunity to speak with her, but will address her concerns when she returns our callNetSpend regrets the inconvenience that Ms*** and her daughter experienced while attempting to activate the cardWe have provided them with our contact information should they have any additional questions or concerns. Thank you, *** ** *** Corporate Customer Response Team NetSpend A TSYS Company

Thursday, July 7, 2016To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning his account activation.On June 29, 2016, Mr*** received a direct deposit to his account from his employer The deposit was placed in a pending status until Mr
*** could verify his identity information and activate his card Later that day, Mr*** contacted us to report that he has not received his card in the mail While verifying his identity, our system recognized his information as being connected with previous accounts that had negative balancesDue to these accounts, Mr***’s direct deposit was returned back to the sender on July We spoke with Mr*** on July 6, and he explained that another direct deposit from his employer was being sent to his accountAfter a review of Mr***’s previous account history, our Risk Management Team closed his account due to risk factors that were identified As a result, he is no longer eligible for products managed by NetSpend Mr***’ second direct deposit was returned back to the sender later that day We regret any inconvenience caused by the return of Mr***’s deposits and 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 a block on her account On October 25, 2016, Ms*** received a merchant refund from AT&T. A systemic block was placed on the account because the refund did not
correspond with any debits posted by the same merchantWhen a refund is received on a Card Account that does not correspond with a prior debit transaction on that Card Account, or a refund is received that exceeds the amount of the original purchase transaction, it is our policy to request the original purchase receipt to authenticate the refund in accordance with our responsibilities under the MasterCard Processing Rules Our Customer Service Department spoke with Ms*** on October 26, and requested the original purchase receipt. Our Risk Management Team reviewed the documents she submitted and the block was removed later that same day In response to her communication, a member of our Corporate Response Team spoke with Ms*** on October 26, and confirmed the block had been removed. Ms*** has full access to her funds 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

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Ms*** states that she was unable to complete the Western Union transfers to her account and did not receive assistance from our Customer ServiceShe wants the product to perform as
advertisedWestern Union and NetSpend have teamed up to offer a powerful prepaid card "The Western Union NetSpend Prepaid MasterCard"This prepaid card gives cardholders the convenience of the NetSpend prepaid card along with the ability to send and receive Western Union Money Transfer transactionsThere is a $limit per transferThe daily limit is $and up to transfers per dayThe seven day limit is $and up to transfers during that periodThe thirty day limit is $and up to transfers during that periodOur records show Ms*** reached some of the transfer limits when attempting to complete her transfersWe are updating our agent information articles to better assist cardholders when they callNetSpend regrets any inconvenience Ms*** experienced as a result of reaching the transfer limits on her cardWe have provided her 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 her dispute claim. On December 04, 2016, Ms*** logged into her online account center and reported an unauthorized transaction. We promptly opened dispute
claim number *** and began our investigationWe also informed Ms*** of the investigation timeframe afforded under Regulation E. On December 17, 2016, we informed Ms*** that a provisional (temporary) credit would be issued for the disputed transactionHowever, the credit was not applied that day On December 15, 2016, Ms*** contacted us to dispute a transaction and reported that she made the payment by other meansWe immediately opened dispute claim number *** and began our investigationAn update concerning our investigation will be available by December 30, In response to her communication, we spoke to Ms*** on December 22, 2016. That same day, we issued a provisional credit for claim number *** while we continued our investigation of her dispute claimThe investigation is scheduled to be finalized by January 18, 2017. The results of the investigation will be sent to Ms*** in writing within business days of completing our investigation. We apologize for the service that Ms*** experienced with our Customer Service DepartmentWe have applied a courtesy credit to her account and reported this incident to the management staff of the customer service agents she spoke with Ms*** has been provided 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 *** ***Mr*** states that he has not received a card so he can access his fundsHe’s requesting a card and late fees he had to pay.On May 12, 2015, we processed a card order to Mr***’s address on
the accountHe called on May 29th and we processed a rushed delivery for a second card, since he had not received the first orderBecause of the upcoming weekend, that card was shipped out to Mr*** on June 1stHe received his card the next dayWe apologized for any incorrect information Mr*** received when we spoke with him on June 8thNetSpend regrets the inconvenience that Mr*** experienced while waiting on his cardHe has been given my contact information should he have any further questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company