Realcor Developments Ltd.

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a Netspend Prepaid MasterCard she received in the mail 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 recipient. If the recipient cannot be verified, then the offer cannot be activated A member of our Corporate Office reached out to Ms*** on March 17, to discuss the card offer she received. We permanently blocked the card offer and have also removed Ms*** name and address from our mailing list and she should not receive any future offers from any Netspend managed programs. Additionally, we have submitted a request to our Marketing Department to provide information concerning how their name and address were obtained. We will provide Ms*** with this information as soon as we receive it. As requested, Ms*** information will not be shared by Netspend. We have provided Ms*** with direct our contact information should she have any additional questions concerning this matter. Thank you, *** ** *** Senior Customer Experience Specialist Netspend, a TSYS Company

Complaint: ***
I am rejecting this response because:
I feel that it is unfair that me and my month old daughter have to suffer and be homeless because your business is playing games and will not give me my money backYou keep making excuses on why I cannot get my money backFirst it was because I disputed another transaction after disputing the original disputeWhich you clearly have all the information showing you I only sent in dispute letter and not Then it was because the person who stole my card had my pinThen it was because they used ATM machines that I would normally go toWhich Columbus is not big by far and I was on every side of town just about everyday when I had my carSo what's that suppose to meanAnd even if Columbus was big, if you lived here and your card was stolen, don't you think that if someone stole someone's card they would try to go to the closest place to get whatever they can before that person realizes their card was stolen? Just out of curiosity wouldn't you think that's what they would do? I mean like come on your making too many excuses on why I cannot get my money backLike y'all have all the information showing I did everything right to get my money back and y'all have recorded calls from me making the phone calls to you guysYou can listen to the conversations for you to know I'm not bluffingBut wait let me guess y'all can't find non of that information, isn't that what you said to me"I'm just this person and don't have all that information because that's in such and such department" meaning you only see the basics rightWell if you were the head and above all the other netspend places, it should be your job to collect all data and research to see if your company made the right decision and did there job right instead of just going along with the flowIf you were doing your job right you would make sure all information is correct and not just going by what you see from your employees, and you would do whatever it takes to make the right decision, to make sure your company is not judged and looked at completely different because they made the wrong call and gave off the impression to all of their customers that basically "we cannot help you protect your money if anything happens"If you were doing your job you would make sure the right call is the best call so you would not lose your customersI been with netspend for over years and I have never really had any problems with you guysNot nothing serious anyways but after seeing this, I probably will not come back to you guys and I will not ever refer anyone to you guys again, because that's just wrong in so many waysI would rather help someone out by letting them know if something like this were to happen to them to make sure they have a real bank account that way they know their money is safe for sure then to just let this happen to another personThat's just like taking advantage of someoneBut really I think you should gather all the information so you would know what kind of call you should makeSeriously I just really want my money back please
Regards,
*** ***

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a block on her new account and not receiving her check for the card balance. She’s requesting a refund for the amount loaded to the card. In an effort to protect NetSpend
cardholders, our Risk Management Department regularly monitors their accounts to prevent compromising activity, or unacceptable account usageOur Risk Management Team identified risk factors that led to the blocking of Ms***’s account on August 29, 2014. She is no longer eligible for NetSpend services. The factors that lead to the account closure are kept internal for security reasons. When Ms*** attempted to activate her new card on December 9, 2015, our system recognized that her information was restricted, and a block was placed on the new account. A check for the remaining funds on that card was mailed to her address on December 18th. On December 30th, we reached out to Ms*** by telephone and email. We have not had the opportunity to speak with her but will assist with her concerns when she returns our call. NetSpend regrets the inconvenience that Ms*** experienced as a result of the account blockWe 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

Friday, March 16, 2018To Whom It May Concern: Thank you for forwarding Mr*** ***’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 Mr*** by way of telephone on March 13, 14, and 16, 2018, but unfortunately, we were unable to speak with him. We sent an email to Mr*** detailing 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

Monday, August 1, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning her dispute claimOn July 6, 2016, Ms*** contacted our Customer Service Department to report an unauthorized transaction that posted to her accountWe
immediately blocked her compromised card to prevent any further unauthorized charges and ordered her a replacementWe promptly opened a dispute claim and began our investigationWe also informed Ms*** of the investigation timeframes afforded under Regulation EWe issued a provisional credit to Ms***’s account on August 2, while we continue our investigation of her dispute claimHer dispute claim is scheduled to be finalized on August 19, and the results of the investigation will be mailed to Ms*** within business days of the deadline dateAny fees or foreign transaction fees associated with the disputed transaction will be reviewed as part of the investigation.In response to MsRodriguez’s communication, we attempted to reach her on August 1, but unfortunately, we have not had the opportunity to speak with herA member of our Corporate Response Team sent Ms*** an email communication that advised her of the next update dateWe have provided Ms*** 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:
I want to know what the risk factors are on my account...this is my personal information, I think I have a right to understand it. And I want to know how a company that doesn't actually have a physical presence in the U.Scan call themselves a U.SBank
Regards,
*** ***

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning her disputes claimOn June 11, 2016, Ms*** disputed a merchant transaction that posted to her accountWe promptly opened a dispute claim and began our investigationWe also informed
Ms*** of the investigation timeframes afforded under Regulation EWe completed our initial investigation on June and determined the dispute claim was not eligible for a provisional credit, but we are continuing our efforts to investigate the claimThe claim is scheduled to be finalized by August The results of the investigation will be sent to Ms*** in writing within business days of completing our investigationWe reached out to Ms*** on June 28, but unfortunately, we have not had the opportunity to speak with herWe provided Ms*** with information regarding her current and previous dispute claimsNetSpend understands that the disputes process can be time consuming, and we appreciate Ms***’ patience as we attempt to retrieve her fundsWe have provided Ms*** 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:We received a rebuttal complaint # *** filed with your office by *** ***Mr*** states that he gave instructions not to send him a cardHe wants his money backAs we stated in our previous response, on March 20, 2015, Mr*** reported his card as compromisedWe blocked the card and ordered him a replacementWe reviewed the call and there was no instruction not to send a card to his address on fileHe confirmed the address to ship the card during the callThat card was activated online by someone who knew Mr*** user name and passwordThere was no error found on his second disputes claim and no funds were recoveredHe has been given my contact information should he 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 a block on her account that was caused by a merchant refund. Our Fraud Prevention Team regularly monitors account activity in order to provide a safe and secure product for all of our
cardholdersOn March 4, 2016, a systemic block was placed on Ms*** account after she received a refund from a merchantIn 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. On March 14th, I spoke with Ms*** to address her concernsDue to the amount of the refund, we advised her that we will need to receive a Letter of Indemnity from the merchant by mail in order to send them the funds back via check, or the merchant can reverse the refundTo allow Ms*** access to her account, our Risk Management team unblocked her account by placing the refund amount on hold until one of the options provided has concluded.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 concerns. Thank you,*** ***Corporate Customer Response TeamNetSpend 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 August 11, by way of emailIf 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

Thursday, April 14, 2016To Whom It May Concern:We received complaint # *** filed with your office by *** Anderson concerning a block on her account and access to her funds.On February 18, 2016, Ms*** received a merchant refund from CDL Tax Service. A systemic block was placed
on the account because the refund did not correspond with any debits posted by the same merchantIt is our policy to ask that the merchant either reverse the refund or send us a Letter of Indemnity authorizing us to return the funds to themMs*** contacted us the following day to gain access to her funds. She stated that the merchant refund was meant to be a direct deposit from her tax preparer. Our Customer Service Department advised that CDL Tax Service will need to reverse the refund, or send us a Letter of Indemnity in order to return the funds back to them. On March 24, 2016, Ms*** contacted us to inquire about the Letter of Indemnity. She stated that CDL Tax Service sent the document, but nothing was received. Our Customer Service Department advised that the account will remain blocked until we received the appropriate documents.On April 13, 2016, a member of our Risk Management Team contacted CDL Tax Service to verify the source of the merchant refund. The representative from CDL Tax Service confirmed that the refund was meant to be sent to the account as an ACH Deposit. The block was removed from MsAnderson’s account.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.Ms*** has been 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 *** *** concerning her claim that was closed with no credit being issued to her account On March 14, 2016, Ms*** contacted Netspend to open a claim for transactions that she stated were unauthorizedOn
March 28th, our Disputes Team concluded their investigation of her claim and closed it with no credit being issued to her account.On March 29th, I spoke with Ms*** to address her full concerns.We apologize for the inconvenience that Ms*** experienced regarding the outcome of her claim She has been given our contact information should she have any additional questions or concerns Thank you,*** ***Corporate Customer Response TeamNetSpend A TSYS Company

Friday, February 24, 2017To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning a Card Account she has not received. On January 29, 2017, Ms*** ordered a TurboTax NetSpend Card Account online The card ending with *** was scheduled
to be delivered within 7-business days to the address Ms*** provided On February 6, Ms*** received a direct deposit onto her Card Account, but she had not received the card ending with *** On February 16, Ms*** contacted our Customer Service Department to inform us that she still had not received the card ending with *** Ms*** was informed by a Customer Service Representative that she could purchase a new Card Account, but the transfer feature would not be available A member of our Corporate Office reached out to Ms*** on February 22, to discuss her Card Account status A card ending with *** was expedited to Ms*** and it was received and activated on February 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.Ms*** has been provided with our contact information should he have any additional questions or concerns Thank you,*** ***Senior Customer Experience AnalystNetspend, a TSYS Company

Complaint: ***
I am rejecting this response because:when you call they tell you a different story and I have explained to them I can not tell the other places I have bills with to wait until Decemberand my son that has asthma can not wait until December 10th to get his inhaler they claim they understood and told me to send in a reason to get some kind of credit and I did that and still nothing I did received an email that they changed the December 10th to the 12th I had sent they a letter of demand and they still have refused to refund my money that I contact the Revdex.com because of the way customer services treats people and they avoid answering questions you never get told the same thing and most of the time when you ask for a supervisor you are on hold for an hour only to have to reenter you information and then sometimes you can not understand what the agent is saying either because of not knowing how to speak english clearly and the agents aways try to overtalk the customers
Regards,
*** ***

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Mr*** is requesting to be reimbursed for a preauthorized transaction from Amazon, in addition to an apology from NetSpend as a result of the inconvenience that he’s experiencedOn August 13,
2015, the merchant Amazon charged Mr*** NetSpend card in the amount of $Mr*** called and advised our customer service that Amazon cancelled the transactionHowever, customer service advised that the transaction was posted by Amazon, and confirmed that his funds were not reimbursed to his accountCustomer service offered to dispute the charge for Mr*** since Amazon collected his funds, but he declinedThe next day Amazon issued a credit to Mr***’ card for $NetSpend regrets the inconvenience that Mr*** experienced as a result of the transaction that Amazon posted to his accountWe also apologize for the customer service that he’s experienced from our companyRest assured, we don’t condone poor customer service and will review the calls that initiated on Mr*** account in efforts to take the appropriate actions, if necessaryWe have provided Mr*** with our contact information should he 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 Sylvia *** concerning the suspension of her Overdraft Protection Program. On May 8, 2016, Ms***’ Overdraft Protection Program was suspended due to overuse of the service Ms*** will
be eligible to re-enroll in the Overdraft Protection Program on August 6, as long as all of the eligibility requirements are met Upon receipt of her complaint, we reached out to Ms*** on May to discuss her Overdraft Protection Program We explained what transactions led to the suspension of her Overdraft Protection Program 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: We received additional comments regarding complaint # *** filed with your office by *** *** concerning the address listed on her card account. We appreciate Ms*** additional comments. A member of our Corporate Response Team spoke to Ms*** on January 20, 2017. She explained the formatting and abbreviations from the Netspend system did not match the way her address was on her other bank account. This discrepancy curtailed the transfer of funds from her bank to the Netspend Card Account. On January 6, a test deposit posted to Ms*** card account for $cents. It was followed by a $deposit, four hours later. Ms*** was able to utilize her funds after signing up for the Fee Advantage Plan which waives the $signature and $debit transaction fees for a monthly fee of $9.95, on January 9. Ms*** closed her card account on January 17, and as a courtesy, we credited the $fee back to her account. We apologize for the service that Ms*** experienced with our Customer Service Department. We appreciate Ms*** notifying us of this issue. We were able to identify the agent that assisted her and have notified their management team so the proper coaching and/or disciplinary action can be taken 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

Thursday, August 25, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning his dispute claimOn June 13, 2016, Mr*** contacted us to dispute two transactions that posted to his account, because he had not received the service from the
merchantWe immediately opened a dispute claim and began our investigationWe also informed Mr*** of the investigation timeframes afforded under Regulation EWe concluded our investigation of MrFermin’s dispute claim on August and no credit was issued because we did not find that an error occurredWe received supporting documentation from the merchant involved in MrFermin’s dispute claim that validated the transactionsIn response to his communication, a member of our Corporate Customer Response Team spoke with Mr*** on August 16, and explained that the claim filed against the merchant was not successfulOn August 17, the documents provided by the merchant was emailed and mailed to his address on fileHe should receive the documents within ten business daysMr*** will have to address his concerns directly with the merchantWe have provided Mr*** with our contact information should he 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 a refund check he has not received. On October 5, 2015, Our Risk Management Team closed Mr***’ account due to risk factors that were identified with his activity/informationThese
risk factors are not shared publicly for security reasons and Mr*** is no longer eligible for products managed by NetSpend.On October 29, a check for his remaining funds was mailed to the address on fileOn November 3, Thembi *** contacted NetSpend to advise that the check was sent to the wrong address and that she has Power of Attorney for Mr***We requested Ms*** to send us copies of her identification and Power of Attorney documents Ms*** provided the Power of Attorney documents, but has not sent in copies of her identity information. Upon receipt of his complaint, we contacted Mr*** on May 17, to discuss the status of his refund check We requested a new refund check to be sent to his updated address Mr*** should receive this in the mail within business days. We have provided Mr*** with our contact information should he have any additional questions or concerns Thank you,*** ***Corporate Customer Response TeamNetSpend A TSYS Company