Realcor Developments Ltd.

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a NetSpend card that he did not request that was mailed to his addressHe’s requesting for NetSpend to stop sending him cards. 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 cardOn February 19, 2016, we spoke with Mr*** and addressed his concerns. We 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 received information from our Marketing Department confirming how Mr***’s name and address were obtainedWe conveyed that information to him by telephone and email. 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

Complaint: ***
I am rejecting this response because: Im still wating for that check and no proof they sent it
Regards,
*** ***

Wednesday, December 13, To Whom It May Concern: Thank you for forwarding Mr*** ***’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 accountWe’ve reviewed Ms***’s dispute claim and we’ve determined that her claim is being handled correctlyAs you requested, we addressed this matter directly with Mr*** on December 13, by way of telephoneWe informed Mr*** by email of our actions to resolve his complaintThank 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

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning the inconvenience she experienced with activating a NetSpend card that she thought was a gift card. She’s requesting reimbursement for the card purchase without providing any
additional identifying information. 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 the front of the package we inform the customer that this is not a gift card and the basic fees are displayed on the outside cover. On January 26, 2016, we spoke with Ms*** and addressed her concernsWe are sending her a check for the card balance that she will receive within ten business days. NetSpend regrets the inconvenience that Ms*** experienced while attempting to activate her card. We 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: Thank you for forwarding Ms***’ complaint to us We reviewed Ms***’ claim and determined that it was handled appropriately We validated that Ms***’ card is no longer active and cannot be used for additional unauthorized
transactions. We completed the investigation of Ms*** claim on June 9, and issued full reimbursement for the disputed transaction We attempted to reach Ms*** by phone and email on June and June but unfortunately, were unable to speak with herWe emailed her on June outlining our actions to resolve her complaint 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

Complaint: ***
I am rejecting this response because:The process is taking too long for these disputesJust to get a resolution or a provisional credit for the first claims I had to report to the Revdex.com in order to get somebody to reach out to meI'm just waiting for my final claim to be resolved and I am moving on to another bankThis is the first time that I hear I need to wait 30-days for my claim to be investigated in order to get a creditUntil I have a resolution my case will be staying with the Revdex.com department.Regards,
*** ***

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a restriction placed on her Card Account During routine monitoring, we placed a temporary restriction on Ms*** Card Account on February 13, 2017, because we detected
suspicious activity. In order to remove the restriction, our Risk Management Team requested to confirm some account activity with Ms***. On February 14, we confirmed the attempted transaction was not performed by Ms***, and the card ending in *** was permanently blocked to prevent any further unauthorized use. Ms*** updated her address on February 15, and we ordered her a replacement card. Ms*** requested to transfer her funds to another Card Account in her name that ended in ***. On February 18, 2017, an individual contacted us and failed to answer the security questions correctly three times. For the protection of Ms*** funds we placed a temporary block on Card Account ending in ***, until we could speak with her. The next day, we spoke with Ms*** and the block was removed. We also ordered Ms*** a replacement card. Ms*** successfully transferred her remaining funds to another Netspend account in her name on February 19. The card ending in *** was permanently blocked on February 21. A member from our Corporate Office attempted to reach Ms*** on February 21, regarding the temporary restrictions placed on her Card AccountsWe have not had the opportunity to speak with her, so we sent an email communication to her explaining the account blocks and provided information on new account features. As a courtesy, we refunded the transaction fees she incurred on the new Card Account. We have provided Mr*** with our contact information should she have any additional questions or concerns. Thank you, *** ** *** Customer Experience Specialist Netspend, a TSYS Company

Thank you for forwarding Ms***’s complaint to usAs you requested, we addressed this matter directly with Ms*** on September 12, 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

To Whom It May Concern: We received additional comments on complaint # *** **led with your office by *** *** concerning the closing of his NetSpend accounts and the remaining funds being returned to the senderOur Risk Management Team regularly monitors account activity in order to provide a safe and secure product for all of our cardholdersOur Risk Management Team identified risk factors that led to the blocking of Mr* *** three accounts on January 20, 2016. He is no longer eligible for NetSpend servicesThe factors that lead to the account closure are kept internal for security reasons. Our Risk Management Team notated Mr*** accounts that the remaining funds will be returned to the senders once they receive an indemnity letter from each company. We spoke with Mr*** on March 29th and addressed his concerns. We explained the indemnity letter and that the legal department of the senders will most likely understand the required letterIf he cannot obtain an indemnity letter from the sender or the sender cannot send an indemnity letter, the funds will remain on the account until it is escheated to the State listed as his residence. NetSpend regrets the inconvenience that Mr*** experienced as a result of the closing of his accountsWe 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: We received complaint # *** filed with your office by *** *** concerning her dispute claim. On December 18, 2016, Ms*** contacted us to report an unauthorized transaction that posted to her account. We immediately blocked the card
to prevent any further unauthorized useWe promptly opened a dispute claim and began our investigation. We also informed Ms*** of the investigation timeframe afforded under Regulation E. On January 3, 2017, we determined that Ms*** was not eligible for provisional credit for her claim, but we are continuing our efforts to investigate the claimThe claim is scheduled to be finalized by February 1, The results of the investigation will be sent to Ms*** in writing within business days of completing our investigation. A member of Our Corporate Response Team spoke with Ms*** on January 6, to discuss her claim. She informed us that she was never advised by Customer Service that a letter of dispute should be sent. We confirmed this from the call review and relayed the information to our Dispute Department for review. Provisional credit was issued to Ms*** account on January 09. A courtesy credit has also been issued to Ms*** account 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 he 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

Tuesday, September 26, 2017To Whom It May Concern:We appreciate Ms*** additional comments. We contacted MsEvans on September and provided further insight on the dispute process. After review, we’ve determined that her claim is being handled correctly. Ms*** dispute claim is scheduled to be finalized by October 31, 2017. At this time, no action is needed by MsEvans. Thank you for bringing this matter to our attention.*** ***Customer Experience AnalystNetspend, a TSYS Company

Tuesday, April 25, To Whom It May Concern:Thank you for forwarding Mr*** ***’s complaint # *** to usAs you requested, we addressed this matter concerning Mr***’s Card AccountWe reached out to him by telephone and email on April 7, 13, 24, and 25, but unfortunately we have not had the opportunity to speak with himWe informed him in an email that a card was ordered on April 13, and sent by rush deliveryOur records indicate that card was activated for use on April Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concernMr*** has been provided with our direct contact information should he have any additional questions concerning this matterThank you, *** ** ***Customer Experience Specialist Netspend, a TSYS Company

To Whom It May Concern:We received complaint # *** filed with your office by *** ***Ms*** states that NetSpend told her the remaining funds were returned to the IRS, but they don’t know where the money isShe wants her moneyOn February 9, we received a direct deposit to
Ms***’ NetSpend Premier CardNew and existing accounts are reviewed regularly by our Risk Management Department in efforts to prevent potential account compromising activity, and to ensure that all account activity is compliant with regulationsMs***’ account triggered a block caused by our Risk Management Department on February 17thThe details that triggered the block are kept internal for security reasonsAfter review, the Internal Revenue Service (IRS) requested the remaining funds be returned directly to themThe only additional information we received from the IRS was a lead numberWe conveyed this number to Ms*** on May 13thNetSpend regrets the inconvenience that Ms*** experienced as a result of the funds returned to the IRSShe has been given my contact information should she have any further questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern: We received complaint # *** filed with your office by *** ***Ms*** mentions having to fax in identity documents to activate her NetSpend cardShe’s requesting for her card to be activated so that she can access the $that was loaded to her
card. The USA Patriot Act is a federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens a card accountWhen our cardholders open a card account, we will ask for their name, street address, date of birth, and other information that will allow us to reasonably identify them. NetSpend is compliant with the laws concerning the prepaid debit card. On December 6, our system prompted Ms*** to send in documents to validate her account before activating her cardThis included her social security number, state issued photo ID, and proof of addressOn December 11, the account was closed because we were unable to verify Ms***’s identityWe have issued a refund check to the address she provided at the time of activationOn December 23, we attempted to contact Ms***, but we were unable to speak with herNetSpend regrets any inconvenience that Ms*** experienced while attempting to activate her card. She has been provided with our direct contact information in case she has any further questionsThank 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 his son received a NetSpend card as a gift for his birthdayIt could not be activated or usedHe wants the $for his son and request that the business not require a social
security number for debit cardsTo 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, street address, date of birth, and other information that will allow us to reasonably identify themNetSpend is compliant with the laws concerning the prepaid debit cardThis information is displayed on the outside of our card packagingAlso on the front of our packaging it states, ‘This is not a Gift Card’ under the price and load amountsWe endeavor to plainly provide the details of our product before the consumer purchases the card.On July 7, 2015, we attempted to contact Mr*** about the card given to his sonWhen he contacts us we will explain the options for getting the funds on the cardNetSpend regrets the inconvenience that Mr*** and his son experienced with our cardWe have provided our contact information should he have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Friday, January 26, 2018To Whom It May Concern: Thank you for forwarding Mr*** complaint to us. NetSpend relies on affiliate marketing services as a source for reaching potential new customers and card offer recipients’ information is acquired through these business relationships
A 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.As you requested, we addressed this matter directly with Mr*** on January 26, 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 concern. Thank you,*** ***
Customer Experience AnalystNetspend, a TSYS Company

To
Whom It May Concern:We received complaint # ***
filed with your office by *** ***
concerning her inability to link her NetSpend card to her PayPal
account. She would like for us to change
the advertisements concerning NetSpend cards having the ability to link to
PayPal
accounts, and to be reimbursed for using the Allpoint Network ATMs. NetSpend
offers a prepaid PayPal MasterCard account through the website www.paypal.com/prepaid, or at select
retail stores like *** ***This product has a feature in which the
prepaid PayPal MasterCard can be linked to a PayPal accountWe spoke with Ms
*** on November 10, and scheduled a better time to speak with her in
order to further assist with her concerns. We regret
the inconvenience that Ms*** experienced while trying to link her NetSpend
card to her PayPal 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 Mr*** complaint to usAs you requested, we addressed this matter directly with MrSmith on February 12, 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

To Whom It May Concern: We received additional comments on complaint # *** filed with your office by *** *** concerning a block on his account that was caused by an unusual transactionHe’s requesting a review of his interaction with our customer service. Our Fraud Prevention Team regularly monitors account activity in order to provide a safe and secure product for all of our cardholdersOn December 4, 2015, a systemic block was placed on Mr***’s account due to an attempted transaction that required verification by the Fraud Prevention Team. When Mr*** called about the block, our customer service representative followed the instructions on the account and verified the questioned transactions. The account block was removed during that call. On December 9th, the Fraud Prevention Team reviewed the email sent from Customer Service and the block was removed from his card. On December 30th, we reached out to Mr*** by telephone and email. We have not had the opportunity to speak with him yet, but will assist with his concerns when he returns our callNetSpend regrets the inconvenience that Mr*** experienced as a result of the block on his account and card. We strive to prevent fraudulent activity and to protect our cardholder’s funds. We hope Mr*** can appreciate our efforts. He has been provided with my contact information should he 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 his card that was not received On February 10, 2017, Mr*** called contacted our Customer Service Department because he had not received his tax refund on his Card
Account he was expecting, ending in ***. Our agent informed Mr*** that the tax refund had not been applied to his Card Account. On February 14, Mr*** contacted us and was informed by our Customer Service Agent that his tax refund was received on another card account belonging to him, ending in *** On February 21, Mr*** contacted our Customer Service Department to inform us that he still had not received his new cardOur records indicate we mailed a card to Mr*** on February 8, and it was returned to us. We requested an expedited card to be mailed to him on February 21, and informed him it would arrive in 1-business days A member from our Corporate Office reached out to Mr*** on February 28, to discuss his card delivery status, we did not have to opportunity to speak with him. Mr*** received card ending in *** on February and our records show he activated itWe sent Mr*** an email on to confirm the status of his Card Account and we reimbursed the fees associated with his expedited card We apologize for the service that Mr*** experienced with our Customer Service Department when ordering his card. We have reported this incident to the management staff of the customer service agents he spoke with Mr*** has been provided with our contact information should he have any additional questions or concerns. Thank you, *** *** Senior Customer Experience Analyst Netspend, a TSYS Company