Realcor Developments Ltd.

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning his a Netspend Prepaid Card Account he purchasedOn February 22, 2017, Mr*** purchased a Netspend Card account at Rite Aid Pharmacy. Unfortunately, Mr*** and the retail
location did not complete the sale of the card correctly and our system was unable to locate an active accountA member from our Corporate Office contacted Mr*** to discuss his concerns regarding the funds he loaded on the card account. On March 08, Mr*** confirmed he received a refund from Rite Aid. We provided Mr*** with our contact information should he have further questions or concerns Thank you, *** *** Customer Experience Analyst Netspend, a TSYS Company

To Whom It May Concern: We received complaint # ***filed with your office by *** *** concerning a NetSpend Western Union card that was mailed to him that he did not orderHe’s requesting for NetSpend to remove his information from our system, and to not receive card offers going
forward. NetSpend 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 activatedOur activation 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 offer activation, we collect social security number and date of birth to verify identity onlyThere is no credit check involved because our Prepaid Debit Card is not a credit cardThe primary cardholder must be at least years of age. On January 11, 2016, we reached out to Mr*** by telephone and email. We have not had the opportunity to speak with him, but will address his concerns when he returns our callWe have canceled the card offer that was sent, and have updated our systems to prevent future card offers from being mailed to his address. Additionally, we have submitted a request to our Marketing Department in order to confirm how Mr***’s name and address was obtainedWe will convey that information to him once it is received. We regret any inconvenience that Mr*** experienced as a result of this card offerHe has been given 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 the fees associated with her PayPal Prepaid MasterCard accountOn May 12, 2015, Ms*** activated her PayPal Prepaid MasterCard account for use. There is a $monthly Fee Plan
charged as part of the card agreement on her card. This Fee Plan allows our cardholders to use the card for unlimited debit and signature purchases during the month without additional transaction fees. She continued to use her card until she reported it lost on August 9th through the website, ***. A replacement card can also be ordered from the website. The monthly Fee Plan continued to be deducted from the card balance as scheduled. Ms*** called Customer Service on February 23, and we ordered a replacement card. We reached out to Ms*** on March 11th, but unfortunately, we have not had the opportunity to speak with her. We will assist with her concerns when she returns our call. As a courtesy, we credited the monthly Fee Plan to her balance for the months she was without a card. NetSpend regrets the inconvenience that Ms*** experienced while trying to get a replacement cardWe 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 activation of two cards he purchased for his sons’ 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 purchase. Our packaging also informs that the person activating the card must be at least years of age. On July 29, 2016, Mr*** sons’ attempted to activate their new NetSpend cards, but their identity information could not be automatically verified. We requested they provide copies of their identification documents to verify the identity manuallyOn August 7, Mr*** contacted us to inquire about his sons’ account status. We informed him that he would need be the primary account holder for each account, as we are unable to approve accounts for any person under the age of and requested him to resend his information since we did not receive his documentation In response to his communication, a member of our Corporate Response Team spoke with Mr*** on September 27, regarding his sons’ accountsWe informed him that both accounts received the required documentation were activated on September 26, and they have full access to the funds on the accounts. 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

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 very much appreciate the speedy response and refund
Regards,
*** ***

Tuesday, April 12, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a block on her fiance’s Netspend accountWe were unable to locate an account for Ms*** fiancé. We have attempted to reach Ms*** by phone and
email, but have not had the opportunity to speak with herWe will assist Ms*** and her fiancé further once she contacts usMs*** has been provided with our information should she have any other concernsThank you, *** *** Corporate Customer Response Team NetSpend A TSYS Company

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning the merchant acceptance of her son’s prepaid debit card.On May 23, 2016, we spoke with Ms*** to discuss the declined transactions her son experienced while outside of the countryWe
confirmed that her son was able to use his card at some merchants, but not all merchants would accept the prepaid cardWe apologize for the service that Ms*** and her son experienced with our Customer Service DepartmentWe have reported this incident to the management staff of the customer service agents they spoke with.We have provided her with our contact information should she have any additional questions or concernsThank you,*** ***Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: ***
I am rejecting this response because: You all held onto my money interest free for an extended period of time after closing my account and did not even tell me that my account was closedThis is poor and legally questionable business practicesI would recommend anyone with Netspend accounts to take their money out now before your account is locked and you can not access your money when you need itBe forewarnedThis is how a good standing year customer was treated for no reason whatsoever and without regard to my financesI experienced extremely service from Netspend and The BancorpGood riddance I found a better bank thank you
Regards,
* *

Complaint: ***
I am rejecting this response because: Before replying through the Revdex.com system, Billy sent me an email of his own, directly to my email address In that email he stated the following: Those are the fees that come with the prepaid card. This is not a gift card as described on the outside of the package it is sold in. Did you receive the package with the card? What is the best time to reach you? Thank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company***
***That being said, the information he supplied in his response to the Revdex.com is incorrect I let him know that I was not in receipt of the original packaging as it was given to me as a gift for my baby shower He also indicated that he had refunded the fees, however I would be charged to just the card - therefore refunding the fees doesn't really solve the issue I find it appalling that he would mislead the Revdex.com after he didn't get the response from me that I guess he wanted
Regards,
*** ***

Tuesday, November 21, 2017To Whom It May Concern:Thank you for forwarding Ms*** ***’s complaint *** to us. As you requested, we attempted to reach Ms*** on November 20, and 21, by way of telephone, but unfortunately, we were unable to speak with her. The email
correspondence we sent outlined our actions to resolve her complaint. Ms***’s case has been assigned to Corporate Response Team Analyst, ***. Should Ms*** 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 Specialist Netspend, a TSYS Company

To Whom It May Concern:We received a rebuttal complaint # *** filed with your office by *** ***Mr*** states that his disputes claims were not completed the sameHe wants a payout for the second disputes claimAs we stated in our previous response, Mr***’ first disputes claim did not receive a letter from him to explain the reason for the claim within the first ten business daysOn the tenth business day, we informed him of the day timeframe to finalize the claim, July 2ndOn his second separate disputes claim, he provided a letter during the first ten business daysOn the tenth business day, we closed his second disputes claim with no error foundA disputes closure letter was sent to him and later on June 1st, we mailed him the documents used to arrive at our decisionHis first disputes claim was paid out on June 10thIn the case of Mr***’ disputes claims, Visa is the processor between NetSpend and the merchantVisa holds the disputed funds until the claim is finalizedThe winner of the disputes claim gets the disputed fundsNetSpend regrets the inconvenience that Mr*** experienced with the disputes processWe follow all the Regulation E Guidelines for electronic funds transfers and our card terms for the disputes processWe have provided him our contact information should he have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Wednesday, August 24, 2015To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning an overdraft fee on her account.On July 29, 2016, Ms*** completed a transaction that created an overdrawn balance greater than $ 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 after On August 4, Ms*** received a direct deposit that recovered the negative balance 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 Service Fee for each transaction approved after their Card Account balance was greater than $overdrawn. On August 23, Ms*** contacted us because the overdraft fee incurred on July was still pending Our Customer Service Department released the pending amount and debited the fee from Ms*** available balance Later the same day, a member of our Corporate Response Team reached out to Ms*** to discuss the overdraft fee We refunded the overdraft fee back to her available balance as a courtesy. We apologize for the poor 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 TeamNetSpend A TSYS Company

To Whom It May Concern: Thank you for forwarding Ms***’s 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 accountAfter
review of Ms***’s dispute claim we’ve determined that her claim was handled correctlyAs you requested, we addressed this matter directly with Ms*** on September 2, by way of telephoneWe provided her with further insight on the dispute processIf 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 *** *** concerning the inconvenience she experienced with a refund check for a closed account she received with a misspelled nameOn April 8, 2016, we spoke with Ms*** and apologized for the incorrect name
and the unprofessional behavior she experienced when she called Customer ServiceNetSpend strives to offer the best service to our customers and we have taken actions to prevent a reoccurrence of this incidentThe first check sent to Ms*** has been canceled and a replacement check with the correct name has been issuedShe will receive the check within the delivery time by the US Postal ServiceWe regret any inconvenience that Ms*** experienced with her checkShe has been given our contact information should she have any additional questions or concernsThank you,Billy LCampbellCorporate Customer Response TeamTell us why here

Friday, December 30, 2016To Whom It May Concern:We received additional comments regarding complaint # *** filed with your office by *** *** concerning her refund check.We appreciate Ms*** additional commentsA member of our Corporate Response Team reached out to Ms*** regarding her refund check that was mailed on December 6, but we were unable to speak with her We confirmed that her refund check was cashed on December 13.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

Tuesday, August 2, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning her dispute claimOn July 5, 2016, Ms*** contacted us to report an unauthorized transaction that posted to her accountWe promptly blocked her card to
prevent any further unauthorized use and ordered a replacementWe immediately opened a dispute claim and began our investigationWe also informed Ms*** of the investigation timeframes afforded, under Regulation EWe concluded our investigation of Ms*** dispute claim on August and no credit was issued because we were unable to identify that an error occurredWe received supporting documentation from the merchant involved in Ms*** dispute claim that validated the transactionIn response to her communication, we spoke with Ms*** on August and explained the results of our investigation regarding her dispute claimThe documents provided by the merchant and a letter detailing the results of our investigation was emailed and mailed to her address on fileShe should receive the documents within ten business daysWe have provided Ms*** with 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 meI have not received a call nor a email from netspend
Regards,
*** ***

Complaint: ***
I am rejecting this response because:Social Security Administration issued the above attached statement for Revdex.com and NetSpend. I am also filing with the FDIC
Regards,
*** ***

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning the a block on his NetSpend card He’s requesting that the block be lifted as he received his tax refund.Mr*** had an inactivity block on his account due to not using his
card for a yearUpon new activity we requested documents to verify his identity to approve full use of his cardWe have not received the documents requested.On February 16th, I contacted Mr*** to address his full concernsHis account was closed on February 15th per his request to receive his funds made through his online accountA check will be mailed to him that he should receive by business days as confirmed he wanted his account to remain closedNetSpend regrets the inconvenience that Mr*** experienced while attempting to access his funds 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 dispute claim. On December 15, 2016, Ms*** contacted us to report the merchant, Enterprise Rent-A-Car, had over charged her card account by posting a transaction for $
We promptly opened a dispute claim and began our investigation. We also informed Ms*** of the investigation timeframe afforded under Regulation E. We completed our initial investigation and issued a provisional credit to Ms*** account on December 30, while we continued our investigation of her dispute claim. We concluded our investigation of Ms*** dispute claim on January 27, 2017. We were unable to determine that an error occurred, we informed Ms*** that the provisional credit would be reversed on February 3. A member of our Corporate Office spoke with Ms*** on February 10, to discuss her dispute claim. We re-reviewed the claim using the information Ms*** provided and we provided full reimbursment for the disputed transaction. We have provided Ms*** with our contact information should she have any additional questions or concerns. Thank you, *** *** Customer Experience Analyst Netspend, a TSYS Company