Realcor Developments Ltd.

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Mr*** states that funds were taken from his NetSpend card while he was incarceratedHe wants the funds returned to his cardOn May 19, 2015, we spoke with Mr*** about disputing the
transactions on his accountHe stated that he would send a copy of his incarceration release papers so we could consider this for evaluation on his disputes claimWe will review his documents when receivedNetSpend regrets the inconvenience Mr*** experienced with his card being use while incarceratedHe has been given my contact information should he have any additional questions or concernsThank you,*** ** *** *** *** ***NetSpend A TSYS Company

To Whom It May Concern: Thank you for forwarding complaint Ms***’s to usAs you requested, we addressed this matter directly with Ms*** on August 16, by way of telephone, e-mail or letterIf a letter has been sent it should be received within the next business
days. We provided Ms*** with further insight on the dispute processWe 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 procedures 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: Thank you for forwarding Ms*** ***’ 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when opening an accountWe validated that Ms***’ card is no longer active and cannot be used for additional unauthorized transactions. We’ve reviewed Ms***’ dispute claim and complaint that reimbursement was not providedWe completed the investigation of Ms***’ dispute claim on May 31, 2017, and no credit was issued because we were unable to find that an error occurred. We attempted to reach Ms*** by phone on June 27, and July 3, 2017, but unfortunately, were unable to speak with herWe corresponded through email with Ms***on June 27, and We also emailed Ms*** a letter on June 30, 2017, detailing the results of the claim. Her case has been assigned to a Corporate Response Team Analyst, ***. *** has requested a re-review of Ms***’ dispute claim and will attempt to reach her again on July 07, 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 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 January 29, 2016, a systemic block was placed on Ms*** account after Direct TV credited 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 VISA processing rulesThe merchant can also 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 meansOn February 15th, we spoke with Ms*** and addressed her concerns. We explained why the documents she sent were insufficient to remove the blockShe will email the required document for review. 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 concernsThank you, *** ** *** Corporate Customer Response Team NetSpend A TSYS Company

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning her inconvenience with activating her card, and receiving her direct depositShe’s requesting to receive her paycheck. 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 or add a secondary cardholder, 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. On November 18, 2015, Ms*** attempted to activate her new temporary card. Additional information was needed to activate her account, and our customer service requested for her to send in identity documentsNo documents were received to complete the account activation and the direct deposit that arrived December 1st could not be posted. Each Automated Clearing House (ACH) deposit has a settlement date by which it must be posted to the account or returned to the senderHer ACH deposit was rejected and returned to the sender on December 2nd as a result of her account being approved by that time. We received documents to approve Ms***’s account on December 3rdThe trace number for the returned ACH deposit was provided to Ms***’s employer on December 21st. We spoke with Ms*** on December 23rd and addressed her concernsWe apologize for the inconvenience that she’s experienced while attempting to activate her card and receive her depositWe 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 filed a disputes claim and it was declinedShe wants her disputes claim to be reviewed and a new decision madeOn May 27, 2015, Ms*** called to file a disputes
claim because her card was compromisedWe informed her that we would issue an update on the claim in ten business days, June 10thOn the tenth business day, we closed the disputes claim as no error found on the transactionsWe sent Ms*** a disputes closure letterWe requested that the documents used to make our decision be sent to herNetSpend regrets the inconvenience that Ms*** experienced with her disputes claimWe have provided her 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: After being told once again that the routing number was correct I spoke with another Netspend Rep the same day by the name of Reg Id# *** and was informed that the routing #*** was incorrect and did not have any affiliation with my cardI was also informed by a rep through the website secured inbox that the routing # as incorrect and to contact the IRS to change the informationI have done so and have been told that it is not possible and there is nothing they can doThe Rep from IRS was unable to give me a tracking number, reason unknown but assured that the refund as not rejectedMy husband also made a small deposit of $with that routing number and it has not been placed in my accountYour company displayed inaccurate information and does not want to take responsibilityThat is unacceptableMy family is now in a financial turmoil and suffering due to this companies inadequate means to have their systems up to dateI want compensation for this troubling situation for it as put a great burden on me and my family tremendously.
Regards,
*** ***

Complaint: ***
I am rejecting this response because:Grubhub responded indicating that the account that used my card was shut down for fraudulent activity and that the purchaser was located in Brooklyn, NYI was at home in bed asleep from doing a double shift in Tampa, Fl at the time of the order. So it shouldn't take business days when Grubhub indicated that it was an fraudulent purchase.
Regards,
*** ***

To Whom It May Concern: Thank you for forwarding Mr***’s complaint to usAs you requested, we addressed this matter directly with Mr*** on November 29, 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

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 a NetSpend Prepaid MasterCard offer she received in the mai** NetSpend relies on affiliate marketing services as a source for reaching potential new customers and card offer recipients’
information is acquired through these business relationshipsA consumer’s name and address is provided to the affiliate marketing service when the consumer opts in to receive offers and marketing materials from the third party, as well as any third party with whom they may share the informationBecause NetSpend feels strongly about customer privacy, we only contract with marketing affiliates that have collected the information from willing consumers years of age and older and have received permission to share it with us.The offer is not active and cannot be used unless activatedDuring activation, NetSpend verifies the identity of the person activating the offer to ensure that the card offer can only be used by the intended recipientIf the recipient cannot be verified, then the offer cannot be activated.In response to this communication, we permanently blocked the card offer on June 1, Additionally, we have submitted a request to our Marketing Department to provide information concerning how their name and address were obtainedWe will provide Ms*** with this information as soon as it is availableWe have also removed Ms*** name and address from our mailing list and she should not receive any future offers from any NetSpend managed programsAt her request, Ms*** information has been removed from our systemMs*** has been provided our contact information should she have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Thursday, May 5, 2016To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning the fees associated with her card. On April 3, 2016, *** *** completed an ATM withdraw. The ATM transaction fee of $was charged as well as the ATM
owner’s fee. ATM transaction fees are not covered by the monthly Fee Advantage Plan (FAP). On May 5, 2016, we spoke with *** *** and explained the fees associated with her cardWe also emailed her a copy of the transaction history for AprilTo avoid ATM transaction fees, we recommend requesting cash back from debit purchases at many retailers, such as grocery stores. We also apologize for the poor service that *** *** experienced with our Customer Service Department. We have reported this incident to the management staff of the customer service agents she spoke with.We provided *** *** 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:We received complaint # *** filed with your office by *** *** Ms*** mentions that she asked to place a stop payment on an authorized pending transaction and the agent insisted on blocking the card On March 10th, 2016, I spoke with Ms***
about her blocked card Ms*** mentioned that she requested to have stop payment placed on the transactionI explained that we cannot place a stop payment on a pending charge; however, the merchant posted the transactionWe apologized for the misunderstanding by our representative, as authorized transactions do not require blocking the card Ms*** will not be charged for the previous card and we are expediting a replacement card to her at no cost The agent that incorrectly blocked the card will be addressed to prevent incidents like this in the future NetSpend regrets the inconvenience that Ms*** experienced as a result of the agent blocking her card She has been given my contact information should she have any further questions or concerns. Thank you,*** ***Corporate Customer Response TeamNetSpend A TSYS Company

Friday, July 31, 2015To Whom It May Concern:We received complaint # *** filed with your office by *** ***. Ms*** states that she cancelled a flight reservation with Spirit Airlines, but NetSpend would not release the pending authorization. She wants a refund. On
July 30, 2015, we contacted Ms***, and released the pending transaction back to her account balance. We confirmed the voided reservation with Spirit Airlines during a telephone call. NetSpend regrets the inconvenience Ms*** experienced while attempting to have her pending funds released back into her account. She has been given our contact information should she have any further questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Friday, January 19, 2018To Whom It May Concern:Thank you for forwarding Mr*** ***’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 account. We’ve reviewed Mr***’s dispute claim and we’ve determined that his claim is being handled correctly. Because Mr***’s Card Account is still considered new, we are afforded business days for an initial investigation.We attempted to reach Mr*** by telephone on January 19, 2018, but unfortunately, we were unable to speak with him. An email was sent to Mr*** outlining our actions to resolve his complaint. Mr***’s case has been assigned to Corporate Response Team Analyst, ***. Should Mr*** contact our Customer Service Department, we have left notes on his account for him to be connected with *** to further assist him 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

Complaint: ***
I am rejecting this response because:NetSpend **d its employees seem incapable of telling the truthI did, indeed, speak with *** *** **d *** *** regarding this matterMy rejection of Mr***'s recent response is, once again, due to his misrepresentation of the factsIncidentally, I have received the check so I'm th**kful to Mr*** **d Mr*** for their interventionWhat is disappointing is it took a complaint to the Revdex.com to make this happen.Now, back to the factsThe original set of documents were submitted to *** on 6/16/as per instructionsI immediately received ** acknowledgement of receipt from ***I next called NetSpend to check status on 7/15/**d I spoke with *** in customer service*** informed me the funds needed to pass through the day Federal Reclamation Period which beg**, per ***, on 5/26/which is the date of *** deathBased on this information, the day period would have expired on or about 9/23/On 9/26/15, I contacted NetSpend to inquire about statusI was informed I needed to submit Minnesota Affidavit for Collection of Personal Property per MN statute 524.3-I submitted the affidavit along with the original documents sent in June...once again, I received ** acknowledgement of receipt from ***.com.Fast forward to 11/3/15...I called NetSpend, yet again, **d spoke with ** in customer service who informed me they had not received all the required documentsI asked to speak with a supervisor **d was tr**sferred to *** informed me she verified receipt of all required documents **d a check would be issued within business daysI called NetSpend on 12/2/to inquire about status and was informed by I** that they have not received all the required documentsI, once again, asked to speak with a supervisor and was transferred to *** informed me confirmed their receipt of the required documents and added notations to the accountOn 12/7/I called NetSpend to inquire about status **d spoke with *** who informed me they have not received all the required documentsShe then said I would receive a call from NetSpend within - hours...that call never came.I next contacted the Revdex.com out of extreme frustration **d **gerThe filed complaint is what triggered the call I received from *** ***After explaining the situation to Mr***, I re-sent the full set of documents directly to Mr***Mr*** also informed me that the folks at *** had not sent the affidavit to NetSpend's legal departmentMr*** assured me he would take care of itThe next call I received was from *** *** to inform me a check has been issuedNetSpend has contended that they did not receive the required documents until December which is simply incorrectThey received the documents on September 29th of this year as stated aboveIf anyone who reads this wants to see the email transmissions along with the receipt acknowledgements, I'll be happy to send themFinally, I sincerely hope this issue has been raised to CEO level at NetSpend as I'm sure he/she will be interested to learn of the corporate incompetence of his/her organizationEvery one of my calls to NetSpend was recorded so if anyone has any doubt about the accuracy of my statements, they only need listen the recordings.My thanks to the Revdex.com for finally spurring action
Regards,
*** ***

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
Hi, I am contacting you in regards to a filed dispute. The dispute in connection to the reference number listed in the
header can be terminated. The matter has been resolvedI appreciate your assistancePlease submit this notice to the offices you've contacted. Thanks.*** ***

Complaint: ***
I am rejecting this response because:
I had order service with Comcast which they had canceled the request couple of weeks later they told me they refund my money but netspend say they didn't get anything when I spoke to someone at netspend they told me I had to wait that they put in for a claim I told them I wanted my money back and now I still haven't gotten my money and it has been since September I feel I have waited long enough want my money back
Regards,
*** ***

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning her dispute claim. On February 25, 2017, Ms*** contacted our Customer Service Department to report four unauthorized transactions that occurred on her Card
Account. We immediately blocked the card to prevent any further unauthorized use and order her a replacement card. Only one of the transaction had posted to her card account and the other were still in pending status. We informed Ms*** these would need to post to her account and then they could be disputedWe promptly opened a dispute claim *** and began our investigation. We also informed Ms*** of the investigation timeframe afforded under Regulation E. The other merchants collected the funds on February 26. Ms*** called to activate the replacement card on February 28. A second dispute claim was opened *** for remaining transactions A member from our Corporate Office spoke with Ms*** on March 13, and explained the dispute resolution process. We combined her dispute claims so one update will be provided on claim *** Ms*** received a merchant credit from one of the disputed transactions on February 28. We issued a provisional credit to her card account for the other three transactions on March 14. The claim is scheduled to be finalized by the end of the day on April 11. The results of the investigation will be sent to Ms*** in writing within business days of completing our investigation We 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 procedures 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

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, *** ***
*** ***