Realcor Developments Ltd.

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning her dispute claim.On March 24, 2016, Ms*** contacted us to dispute a transaction from *** ***We immediately opened a claim and began our investigation A provisional credit
was issued to Ms***’ account on May 12, while her claim is investigated.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 concerns Thank you,*** ***Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern: We received additional comments on complaint # *** filed with your office by *** *** concerning a merchant billing dispute She is not satisfied because she did not receive notification that the dispute timeframe changed. We spoke with Ms*** on February 11, and addressed her concerns. The Disputes Department is currently reviewing her ongoing claim and the notification they sent her when the claim initially began, December 19, 2015. We will contact her with the results of their review when they become available. NetSpend understands that the disputes process is lengthy, and we appreciate Ms***’ patience as we attempt to retrieve her money. 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***’s complaint to usWe reviewed Ms***’s card account(s) and determined that it was handled appropriatelyOur system recognized that she had a previous negative balance and we automatically blocked the Card Account until the issue
could be resolved. We attempted to reach Ms*** by phone and email on September 12, but unfortunately, were unable to speak with Ms***We emailed her a letter on that same day outlining our actions to resolve her complaintThank 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 funds from her daughter’s account. On May 5, 2016, Ms*** contacted our Customer Service to inform us that her daughter is deceased. We informed her of the
documents she would need to send that designate her as the executor of her daughter’s estate. Our Legal Department received documentation from Ms*** on August 9, but they were insufficient to designate her as the executor of her daughter’s estate. In response to her communication, a member of our Corporate Customer Response Team spoke with Ms*** on September 26, and explained that we had not received all the required documents. Our Legal Department contacted her the same day and verified the documents already received and explained the additional requirements in accordance with her state probate laws. Ms*** will send the required documents on September 27. On September 28, our Legal Department received all the required documentation and approved Ms*** as the executor of estate and a check with the remaining account balance will be mailed to her Ms*** has been provided 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 pending direct deposit. On November 23, 2016, we received notice of a US TREASURY deposit for Mr*** totaling $15,A temporary restriction was placed on MrDavis’ account
because the deposit amount exceeded the card program limits We requested that Mr*** provide documentation to validate the deposit Mr*** sent in his documents validating the direct deposit on November We approved the deposit and remvoved the restriction on his account..A member of our Corporate Response Team spoke with Mr*** on November 28, regarding his depositMr*** had no further concerns.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

To Whom It May Concern:We received a rebuttal complaint # *** filed with your office by *** ***Ms*** states that she wants a check for the funds on the card in her name or her niece’sOn July 7, 2015, we communi***ed with Ms*** through email giving her the options for spending the funds on the card in her possessionWe activated the cardThe $is made available for her to make in store purchasesWe explained that each credit transaction has a $transaction feeNetSpend regrets the inconvenience that Ms*** experienced while trying to activate the cardShe 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 *** *** concerning three unauthorized transfers of funds from her accountOn February 18, 2016, a person identifying themselves as Ms*** called Customer Service and transferred $to another
cardholder. Later that evening$and $was transferred to a different cardholder through the website, ***. Ms*** called the next day to inform Customer Service that the three transfers were unauthorized by her and she wanted to dispute the transactions. Our Disputes Department closed Ms***’ claim on March 4th notating the account as no error found and no credit issued. We spoke with Ms*** on March 11th to address her concerns. Our Disputes Department reviewed her claim again and issued a full payout for the unauthorized transfers. NetSpend understands the disputes process can be lengthy. We appreciate Ms***’ patience as we attempt to retrieve her funds. 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:We received complaint # *** filed with your office by *** ***Ms*** states that she was unable to use the NetSpend card because it expiredShe wants the maintenance fees refunded to herOn May 13, we attempted to reach Ms*** by
telephone and emailNo account was located matching her name, address, email and telephone numberWhen she contacts us, we will be able to give her any information we have concerning her card and the maintenance fees charged on her balanceMs*** has been given 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 me
Regards,
*** ***

Friday, February 24, 2017To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning her dispute claim On February 2, 2017, Ms*** contacted us to dispute a transaction for merchandise not received We promptly opened a dispute claim
*** and began our investigation We also informed Ms*** of the investigation timeframes afforded under Regulation E We concluded our investigation on Ms*** dispute claim *** on February 16, 2017, and no credit was issued because we did not find that an error occurred The merchandise she received was left at the store A letter detailing the results of the investigation was mailed to Ms*** address on file. During the investigation of Ms*** claims, we identified several risk factors associated with her Card AccountDue to these concerns, our Risk Management Team closed her account on February 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 Office spoke with Ms*** on February 17, to discuss the closure of her account We reopened Ms*** Card Account and issued a courtesy credit to her Card Account balance.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 she have any additional questions or concerns Thank you,*** ** ***Customer Experience Specialist Netspend, a TSYS Company

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning her dispute claim. On March 26, 2017, Ms*** contacted our Customer Service Department regarding an unauthorized transaction that occurred on Card Account.
We immediately blocked her card ending in *** to prevent additional unauthorized activityWe informed Ms*** that the transaction was still in pending status and she would need to call back to dispute the charge once the merchant collected the funds. On March 27, the merchant collected the transaction and Ms*** contacted us the same day to initiate the dispute process We promptly opened a dispute claim and informed Ms*** of the investigation timeframe afforded under Regulation E. We also ordered a replacement card for Ms*** to be expedited to her address on file, 1-business day delivery timeframe and waived the fee A member from our Corporate Office spoke with Ms*** on March 29, and explained the dispute resolution process. We informed her that her claim is scheduled for the initial update on April 10. As a courtesy, we also refunded an overdraft fee that was a result of the unauthorized transaction Ms*** has been provided with our contact information should she have any additional questions or concerns. Thank you, *** *** Customer Experience Specialist Netspend, a TSYS Company

Tuesday, August 16, To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning a refund check that she has not receivedOn July 10, 2016, Ms*** attempted to activate her new NetSpend cardOur system recognized her information as being
associated with a prior account that had a negative balance and automatically blocked the accountOur Risk Management team determined that Ms*** was no longer eligible for products managed by NetSpend and the account was closedA refund check was mailed to Ms*** for the account balance on July She should have received the check within ten business daysMs*** contacted our Customer Service Department on July 29, to inform us the refund check has not arrivedMs*** submitted documents to update her mailing address and requested a second check to be sent to this addressIn response to her communication, we contacted Ms*** on August to confirm her addressOn August 10, a second check was mailed to the confirmed addressAs a courtesy, we refunded the purchase price for the card and mailed Ms*** a separate refund checkShe will receive the checks within ten business daysWe also reviewed her prevoius account activity and determined the negative balance was recovered, therefore we removed any restriction in our systemMs*** is eligilble to use products managed by NetSpend in the futureWe apologize for the service that Ms*** experienced with our Customer Service DepartmentWe 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 concernsThank you, *** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Friday, January 08, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning Payback Rewards that were not issued to his accountHe is requesting credit for his qualifying purchasesOn January 6th, we corresponded with Mr*** to gather
the specific reward offers he was referencing. Payback Rewards is a free program that pays our cardholders back on their everyday purchases at select merchants. When activating a reward offer, our cardholder is informed of the criteria required for redemption. The reward credit is paid out in the month after the transaction is completed with the selected merchant. We reviewed Mr***’s transactions and opened an investigation to research the reward posting. We will have an update on January 11th. NetSpend regrets any inconvenience Mr*** experienced with receiving his payback rewards. He has been given 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 disputed a transaction and when the money was put back by NetSpend, the merchant took the funds againShe wants her money and a card to access the fundsOn June 11,
2015, Ms*** called to dispute a transaction for $with Public Storage because the services were not receivedOur system automatically credited the amount back to her balanceEarlier that day, Public Storage charged her card $and those funds were pending waiting to be collectedTwo days later, the merchant collected the fundsMs*** disputed the second charge on June 17thShe reported the card as compromised on this second claim and we ordered her a replacement cardWe will update her disputes claim in ten business days, July 1stNetSpend understands the disputes process is lengthyWe appreciate Ms***’s patience as we attempt to retrieve her fundsWe have provided Ms*** our contact information should she have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

Thursday, May 11, 2017To Whom It May Concern:Thank you for forwarding Mr*** complaint to us. As you requested, we addressed this matter directly with Mr*** on May 12, 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, *** *** 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: Thank you for forwarding Mr***’s complaint to usAs you requested, we addressed this matter directly with Mr*** on December 22, 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

Friday, January 08, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning the problems he experienced with activating his cardsHe’s requesting for his accounts to be closed and issued a refund checkOur Fraud Prevention Team
regularly monitors account activity in order to provide a safe and secure product for all of our cardholdersOn December 1, 2015, a systemic block was placed on Mr*** account due to a name change that required verification by the Fraud Prevention TeamMr*** refused to provide his personal information. On January 8, 2016, we reached out to Mr*** by telephone. We advised Mr*** 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, 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. We received approval to send Mr*** his refund checks and they will be in the mail within 3-business daysNetSpend regrets the inconvenience that Mr*** experienced as a result of the block on his account. We strive to prevent fraudulent activity and to protect our cardholder’s funds. We hope Mr*** can appreciate our commitment to security. 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

Friday, June 2, To Whom It May Concern: Thank you for forwarding Ms*** *** complaint # *** to usAs you requested, we addressed this matter directly with Ms*** on June 2, by way of telephoneWe sent her an email detailing the actions taken on her account to resolve
her concerns the same dayThank 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

Friday, October 23, 2015To Whom It
May Concern:We received complaint # *** filed with your office by *** *** concerning the dispute she filed
against unauthorized transactions made on her account. She requests her money to be returned to her
card
immediately. On October
22, 2015, we spoke with Ms*** regarding the resolution of her disputes
claims. We apologized for the
misinformation she was given during the call on October 2nd. We requested an expedited review of her two disputes
claims filed on October 2nd and October 20th. We informed her that the provisional credit
was issued for both claims on October 22nd. NetSpend
understands the disputes process is a lengthy one, and we appreciate Ms***’s
patience as we endeavor to retrieve her funds. We have provided her our contact information should she have any
additional questions or concerns. Thank you,*** ** ***Corporate
Customer Response TeamNetSpend A
TSYS Company