Realcor Developments Ltd.

Wednesday, March 14, To Whom It May Concern: Thank you for forwarding Mr*** *** 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 have reviewed Mr*** dispute claim and we’ve determined that his claim is being handled correctlyAs you requested, we addressed this matter directly with Mr*** on March 13, by telephoneWe emailed Mr*** the details outlining our actions to resolve his concernsThank 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 the blocking of her account and the return of her funds to the IRSOur 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 Ms*** account on February 19, 2016. Her account was notated with a request to send identification documents for further security verification. An email alert was sent to her about the account status. The documents Ms*** sent to us were unacceptable to remove the block. Her deposit from the IRS was returned by ACH (Automated Clearing House) reversal on March 17th. We spoke with Ms*** on March 15th, but unfortunately, the documents she emailed to us were also unacceptable. NetSpend regrets the inconvenience that Ms*** experienced as a result of the blocking of her accountWe have provided her 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 his Card Account. On August 08, 2016, Ms*** logged into her online account center and reported transaction that posted to her account from, Amazon that she did not
receive services. We immediately opened dispute claim *** and began our investigation. We also informed Ms*** of the dispute resolution timeframe. We completed our investigation of dispute claim *** on September 30, and provided full reimbursement for the disputed transactions During routine monitoring, we placed a temporary restriction on the Card Account on April 2, 2017, because we detected suspicious activity. In order to remove the restriction, we requested documentation to verify the identity of the primary cardholder, *** ***The documents Ms*** provided, were insufficient to verify her identity Our Risk Management Team closed Ms***’s account on April 10, due to risk factors that were identified while reviewing her accountThese risk factors are not shared with consumers for security reasons and Ms*** is no longer eligible for products managed by NetSpend. A refund check for the remaining balance on the card account will be mailed to the address on file and should be received within 7- business days A member from our Corporate Office spoke to Mr*** on April 14. Our records indicate Mr*** is not an authorized user on Ms***’s Card Account, so we requested that she contact us for further assistance regarding the card account. Mr*** has been provided with our direct contact information should he have any additional questions concerning this matter. Thank 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,
*** *** ***

Complaint: ***
I am rejecting this response because: they said they returned it two days later, but it did not show upI do not have it, so they are saying that but my employer has not received it And he just said that I applied march 27th and had thirty days, and April 9th that I couldn't get my deposit b/c it wasn't approved but I thought I had thirty days till it was a problem.
It isn't solve because I don't have my check still
Regards,
*** ***

Friday, September 2, 2016To Whom It May Concern:We received additional comments regarding complaint # *** filed with your office by *** *** concerning the activation and fees associated with his NetSpend card.We appreciate Mr***’s additional comments We regret to hear that Mr*** was not provided with options to receive his funds with out fulfilling our identity verification requirements In response to this communication, we spoke with Mr*** on September 2, and closed the accounts per his request He will receive a refund in the form of a check at the address he provided within business days. 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
Regards,
*** ***

Friday, November 17, To Whom It May Concern: Thank you for forwarding Mr*** ***’s additional comments on complaint *** to usAs you requested, we addressed this matter directly with Mr*** on November 16, by way of telephoneWe informed Mr*** by email of our actions to resolve his complaintMr***’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 matterThank 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 additional comments regarding complaint # *** filed with your office by *** *** concerning her dispute claim.We appreciate Ms***’ additional comments On November 2, 2016, a member of our Customer Response Team reached out to Ms*** to further address his concernsWe confirmed that she will receive an update on her dispute claim by the end of the day, on November On November 5, we concluded our investigation and provided full reimbursement to Ms***’ account for the disputed transaction.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*** complaint to usWe 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 and that it is not a gift card. NetSpend is a prepaid debit card product and not an extension of a line of creditA credit check is not required or processed when a customer purchases or requests a NetSpend prepaid debit card account As you requested, we addressed this matter directly with Ms*** on May 16, by way of emailWe provided her with further insight on the identification process and confirmed closure of her card accountThank you for bringing this matter to our attention and giving us the opportunity to resolve our customer’s concern Thank you, *** *** Customer Experience Analyst Netspend, a TSYS Company

To Whom It May Concern: We received complaint # filed with your office by Thomas *** concerning the $Refer-A-Friend bonus that he did not receiveHe’s requesting for NetSpend to honor the Refer-A-Friend bonus. On December 29, 2015, we reviewed and credited Mr***’s
account for the Refer-A-Friend bonus of $20. We reached out to Mr*** by telephone and email to inform him of the credit that same day. NetSpend regrets the inconvenience that Mr*** experienced while waiting for the Refer-A-Friend bonusWe 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 difficulty he is having with activating a card Paypal Prepaid card he purchased We are required by the USA PATRIOT Act 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 themThe requirement to obtain 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 On October 1, 2016, Mr*** purchased a Paypal Prepaid card and upon providing his information, our Customer Information Program system could not automatically verify his identityWe requested Mr*** to provide copies of his identification documents in order to verify his identityA member of our Corporate Response Team spoke with Mr*** on October We apologized for the error in the spelling of his last name and corrected itWe were able to verify Mr***’s identity and advised him that he can activate the card for use.We apologize for the service that Mr*** 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 him with our contact information should he have any additional questions or concerns Thank you,*** ***Corporate Customer Response TeamNetSpend A TSYS Company

Tuesday, November 08, 2016To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning her direct deposit. On November 2, 2016, Ms*** contacted our Customer Service Department because she had not received her direct deposit from her
employer We informed Ms*** that the routing number that was provided to her employer was incorrect In response to her communication, we spoke with Ms*** on November 7, and advised that her direct deposit would be returned back to her employer It can take up to business days for the funds to be received by the originator. 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 TeamNetSpend A TSYS Company

Complaint: ***
I am rejecting this response because:I would like to know a specific reason I am blocked and was never told I would never have bought a new card if I knew I was blocked also I understand their symphony or whatever for my Inconvience my Inconvience is that all the bills I was paying with the new card is now accumulating late charges and I did respond to a mr *** *** thru email on this issue and have received no response
Regards,
*** ***

Complaint: ***
I am rejecting this response because: its been weeks and I still havent recieved my vheck that accorfing to *** it would be 7-days ..here I am weeks later still havrnt got my money from netspend
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 meHowever, most financial institutions will investigate a complaint and disputed charges I appears NetSoend only blocked the card with no investigation But that would appear to be their way of handling claims so really no choice but to accept.
Regards,
*** ***

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning the closure of her account and her dispute claim.On August 13, 2016, Ms*** contacted us to dispute transactions from *** *** that posted to her accountWe opened a dispute claim
and promptly began our investigation On August 24, we determined that her account was not eligible for provisional credit, but we are continuing our efforts to investigate the claim. On August 24, our Risk Management Team closed Ms*** account due to risk factors that were identified during our investigation These risk factors are not shared with consumers for security reasons and Ms*** is no longer eligible for products managed by NetSpend.A member of our Corporate Response Team reached out to Ms*** on August regarding the closure of her account and her dispute claimMs*** stated that she purchased a product from the merchant, received the wrong one and returned itMs*** stated the merchant agreed they would not begin charging her Netspend card for financing payments until she received the correct productWe requested that Ms*** send us documentation that shows she returned the product to the merchantWe received this documentation on August and are continuing our investigation with the chargeback process We advised Ms*** that her claim is scheduled to be finalized on September 27, and the results of the investigation will be sent to her in writing within business days of the deadline.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 complaint # *** filed with your office by *** *** concerning her dispute claim.On March 27, 2016, Ms*** contacted us to report that her card had been compromised and that an unauthorized transaction posted to her accountWe immediately blocked the
card to prevent any further unauthorized useA dispute claim was opened and we began our investigation.Ms*** also requested access to the funds in her savings accountBecause the unauthorized transaction resulted in a negative card balance, any transfers from her savings account were applied to the negative balance in her card accountOn April 12, we concluded our investigation and issued a credit to Ms*** account along with the associated feesLater that same day she was able to access the remaining funds in her savings account.We understand how frustrating it can be to experience unauthorized charges on your accountNetSpend is very committed to providing a safe and secure product.We 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: My cousin *** ***, no known address, had been staying with me for about a week She had my account info however she would not have been able to verify my social security number Also, according to the letter I received from Netspend those monies should have been deposited bank into my account within the door timeframe that Netspend indicated It is now February 3rd? I would like to know what investigative procedures were performed.
Regards,
*** ***

To Whom It May Concern:We received complaint # *** filed with your office by *** ***-***Ms***-*** states that her money was not put on her NetSpend card by July She’s requesting her deposit to postOn August 5, 2015, we reached out to Ms***-*** by telephone
and emailWe researched all accounts in her name and confirmed that there were no deposits that were received in her nameWhen Ms***-*** returns our call, we will request a trace number from the originator of the deposit so that we can further research this for her.NetSpend regrets the inconvenience that Ms***-*** has experienced while waiting on her depositWe have provided her with our contact information should she have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company