All posts for the month April, 2013

Took money and never applied it to customer’s prepaid debit card…. this is a crime

Took money and never applied to prepaid debit card

Consumer Complaint about PrePaid Bank Cards

I bought a reload-it pack in order to put money on my pre paid debit card. The money was NEVER posted to the card. Called the card company NUMEROUS times i was ALWAYS given the run around.

They wanted me to fax my store reciepts which was no problem but after the first time i faxed it i thought the issue would be resolved.

NOT!!!

Upon calling them back i was told they never got it and that i needed to fax it again to a different number.

This went on for two more times after the inital fax until i told them this is a scam.

Still w/o MY money the call center (or someones house because you can hear kids in the back) is a FRAUD.

I mean seriously when i asked the rep for the corporate number he said they only have an e-mail.

BOTTOM LINE IS THIS DO NOT DO NOT PICK UP A PAY POWER VISA OF ANY SORT.

They need to realize what they are doing is ILLEGAL taking someones money and not doing what you were contracted to is a CRIME.

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This blog was created because in 2009, we also encountered the exact same problem using a METABANK PREPAID CARD.

We wanted to protect other consumers from having to experience what we had experienced by using METABANK so we began this blog to warn others.

It is now 2013, and we read that what METABANK did to us: Take our cash money in 2009 and hold it, keeping us from having any kind of access to our own money, has been done to yet another consumer. This experience made us very vulnerable in so many ways.

Why is this still going on?????

This is a bank scam that keeps going on and on. When will this stop?????

How can we let this kind of banking practices continue to take advantage of people so that the already rich can just get richer off of our hard earned money????

METABANK lied to me when I asked them about what and why this had happened.

Why lie???? METABANK got an interest free loan using our money while putting us in a dangerous position. There is nothing moral or just in what METABANK did to us and yet METABANK has shared their practices and promoted them to other banks as if their solutions were excellent and admirable.

Most honest business practices will try to correct problems once they have been brought to their attention. METABANK revels in the pain that they inflict on consumers. Please see pages where METABANK seeks employees to do their dirty work. At the same time, bank tellers in Storm Lake are paid below the poverty level. Desperate employees who also may have been promised an income are also being taken advantage of by METABANK. It is the CEOs of METABANK who expect these entry level, underpaid employees to do the lying for them.

The reality is that how METABANK, and now other banks, operate, are criminal and immoral banking practices designed to take advantage of all consumers.

Only consumers can get these unjust banking practices changed. Do more that write a complaint on line. Many of those sites have been created by METABANK, itself, and banks like it where consumers can let off steam, but nothing more actually happens after that. It is what you do with the facts that you have personally experienced, and with whom you share the facts of your experience with Banks like METABANK, NETSPEND and TURBO TAX. Ask for laws that protect consumers.

This will also protect the economy.

Latin America had a system of very poor people and very rich people with no middle class. The USA has prided itself on its strong middle class. The Middle Class Economic Bracket in the USA is being eroded. The poor are being taken advantage of over and over again. We can not allow our USA to become like Latin America; Latin America was plagued by revolution after revolution. Quite frankly, the military industrial complex in the USA that Eisenhower warned us to not create a Military Industrial Complex, but the USA did anyway because this would drain our resources…. This is what has put the USA into debt. We can’t afford to be in debt. The lenders, by the way, for the most part are American based banks.

This may be the control that the banks are using to exercise their strength in the US Senate and the US House of Representatives… This is our opinion .

All those years of being in a state of war have cost the American people so much but in far more ways than we ever could imagine. Now the American Middle Class is basically under attack by how banks operate, and our elected officials may have their hands tied, so to speak because of the debt that the USA owes our own banks for loans taken out to wage war after war…. Again, this is our opinion.

However, given the number of complaints about METABANK, NETSPEND and TURBO TAX, consumers need some better legal protections than what we currently have at present.

Contact your elected officials and tell them the facts of your experience using PREPAID CARDS and ask for laws that will actually protect you and everyone else from ever having to be in this same kind of situation again.

Taking money and never applying it to your prepaid card is theft. This is a crime. It was done to us in 2009. Why haven’t consumers been protected yet??????? It is now May 1, 2013 !!!!!

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I just read an ad posted by another bank, but one that basically uses the METABANK prepaid bank card formula:

Banks may promise you that their card will work whereas other bank prepaid cards have failed. They explain in their publicity basically the same thing that METABANK does and then at the very bottom of the page, if you have scrolled down far enough, you will see that you will be charged $4.95 per month so that the bank can get an interest free loan from you because you must give them cash money upfront……

Why not simply pay in cash??? Of course, you would have to leave your home, but you may encounter real people as you go to pay your bills. Who wants to be alone all day? Who doesn’t find it enjoyable to talk to real people face to face?

The prepaid bank card is a major scam…. You as a consumer must act to put an end to this bank scam. Together, we can get the proper changes in the laws that will protect all of us.

METABANK CEOs are making +/- $700,000.00 per year to scam you. They will be the ones who will complain the most, but they are over-consuming while others suffer due to their policies and practices.

Please act to prevent others from being scammed as we have been scammed by METABANK and other banks using the METABANK formula.

Netspend, Turbo Tax, and METABANK fail consumers

Bank Card Tax Refunds Fail Consumers

Consumers need clear and succinct information about all of the implications that exist for them regarding the use of PREPAID BANK CARDS by METABANK

The real problem is that the banks, especially METABANK the creator of NETSPEND and the partner of TURBOTAX, have created all the rules regarding how their product is applied….

What is most offensive is that METABANK and banks that operate using METABANK’s practices have retained the right to change all the rules at any time. This is hidden in the pages and pages of fine print that follow the parts of the agreement that have been designed, targeted to attract consumers.

If consumers actually had or understood fully the terms they were actually agreeing to, consumers wouldn’t opt into the products offered by METABANK, NETSPEND a subdivision of METABANK, banks that operate using METABANK’s practices, and any of their corporate partners such as TURBOTAX.

Read the recent online post to learn more about how PREPAID BANK CARDS are used to scam consumers. Consumers report the following problems

PROBLEM WITH NETSPEND CARDS THAT YOUR TAXES ARE DEPOSITED TO.

Recently myself and a few others have filed for our taxes via Turbo Tax which was great but at the end prior to submitting your taxes to the IRS you are ask to sign up for a Pre-paid card to have your taxes deposited on.

This is done if you don’t have a bank account.

Recently my friend received her taxes back on that card she has been waiting desperately to receive her funds in order to pay her bill.

Now that her funds were put on the NetSpend card they are refusing to let her withdraw funds she was told to make multiple withdraws in which she had to pay 6 withdraw fees in the amount of $3.00 each plus she is charged for each withdraw from NetSpend.

When she called and asked if she could go to a bank to withdraw funds from her card they replied with no.

She then asks if she could transfer the money from her NetSpend card to her other card that doesn’t have fee’s they refused.

They replied she could only transfer funds from one NetSpend card to anotherNetSpend card.

I even called because I was making to sign up for NetSpend myself to receive my taxes to pay my bill and they told me there is a charge to ask questions about funds, deposits, transactions.

This is very frustrating because we worked hard for our money and deserve it.

(This was also my major complaint as a former customer of METABANK. Bank reforms are needed that actually protect consumers. Banks seem to be self-regulating at this time and taking advantage of the chaos that seems to be present in our US Senate and US House of Representatives. Consumers must demand laws that protect us because METABANK and any bank that operates using the same or similar practices are creating misery for consumers. On the other hand if consumers all wrote to all of the proper authorities, we may be able to get the proper controls in place that actually protect us in this downturned economy. The writer of this complaint has been placed in a seriously dangerous economic situation due to the practices of our banking system. If you think that this can’t happen to you, please think again. You are being studied and you will be marketed to, targeted at your achilles tendon by these banks. Trust us when we tell you that the CEOs of METABANK are making over $700,000.00 in income per year while they are abusing the most vulnerable people. There is absolutely nothing fair nor noble in what banks like METABANK are doing. Hardworking people are being bilked for every penny they have earned through their own labor by banks like METABANK.)

I face eviction, even losing my job if I am not able to withdraw my hard earned money.

Not one time did I read on Turbo Tax that we would be denied withdrawing our money or even transferring it to another card?

This is virtually robbery and we need your help.

I am one step away from losing everything.

How can people do this to another person?

( We have been wondering this too!!! How can METABANK,banks like METABANK, NETSPEND and TURBOTAX do this to hardworking human beings…. American Citizens, you must do more than complain online.)

Response by zr700

3 months ago ( i.e. March 1, 2013)
NetSpend doesn’t have a list of ATM’s that they are partnered with that has free withdrawls?

Response by nextonever

3 months ago ( i.e. March 1, 2013)

That’s my point their virtually robbing you of your money and denying you withdrawing your entire refund.

Every time you withdraw you have the atm fee plus NetSpends fee.

All atms were I live will only allow you to withdraw $300 with a fee of $3.00 plus the added the cards fee.

You can’t go to a bank to get a cash advance on your card either.

( This is true!!! To get the money off of a prepaid card of some sort that is promoted as a gimmick to get you to opt in to this form of a refund, the bank issuing the prepaid card must do a direct deposit, i.e. that issuing bank has access to all of your very personal financial data…. This makes all of us very vulnerable to unscrupulous banking systems that have time and time again proven themselves to be PREDATORY by their very design.)

Other pre-paid cards allow you to.

( Not necessarily true. There are no laws in place to protect consumers and the banks no longer operate in the traditional sense that we have known banks to be protectors of consumers’ assets on behalf of the consumer.)

Next if you call NetSpend they will charge you .50 Cents for every question you ask about you funds.

(This has been one of our complaints. However, we were told that this had been resolved. Apparently, we were told this prematurely…. Consumers must speak up in important places to people who can change laws so that the laws actually protect us as consumers!!!!!!!)

(Please note that METABANK and the NETWORK BRANDED PREPAID CARD ASSOCIATION in 2009 paid lobbyists in DC more than any other entity in the country or the world, even more than health provider insurance companies paid to lobbyists, to get these prepaid cards on the open market. These prepaid cards are an interest free loan to the bank and awful for consumers. Consumers must contact their elected officials and lobby for themselves because we have been grossly abused for years and years.)

The laws governing banking at this time are inadequate to be able to protect consumers properly….. if you vote, you must also contact your elected officials

PREPAID BANK CARD are not acceptable forms of payment in the USA at many places

You will not have access to your own money and you give up control of your own money by using a PREPAID Bank Card.

Do you think that METABANK offers our elected senators and representatives the same prepaid bank card that is being offered to the general public????

If they were, then this problem would have been resolved long ago. It appears that METABANK through lobbyists like RUPLI are also wining and dining our elected senators and representatives so that these PREPAID BANK CARDS are being offered everywhere at this time. These prepaid cards are awful for the ordinary consumer. Some companies who partner with banks like METABANK may make a lot of fast money, but this practice of using PREPAID CARDS is not sustainable.

Corporations will not accept Prepaid Debit Cards in payment.

“A fellow traveler told us that when he was in Europe that no one would accept his METABANK issued “Travel Card” with a VISA logo on it.”

Just before his trip to Europe, he had been urged by one of METABANK’s corporate partner’s clerks to try out the METABANK “Travel Card”. That clerk also encouraged him as a travel promoter for his university to get others to buy the METABANK Travel.

It is obvious that the clerk was naive and being used to push the METABANK Travel Card.
Most likely she had been given a METABANK prepaid card as part of a corporate gift.

This was most likely followed by a form of an incentive to get those clerks to market the METABANK “Travel Card” by promising a small monetary gift, as in yet another gift card.
Please note that any money left on those prepaid cards are an interest free loan to an anonymous and unknown corporate entity, in this case METABANK, but that clerk had been the victim of a hard sell strategy.

The traveler mentioned above tried to phone METABANK from Europe using the number at the back of his card. He was unable to get any response while in Europe. Upon his return to the U.S.A., META BANK phone representatives told him that “He had used the card wrong.”

Of course, this is a lie. No company would accept the METABANK TRAVEL CARD in Europe.

Also a “RED FLAG” should go up when a company tries to push blame for problems that customers find in using their service back off onto the customer. METABANK by design holds onto their customers money and takes full control of their money. How much money that can be spent in any given day is limited so that METABANK, and any bank that operates like it, can get an interest free loan from that customer. This is a violation of a good faith relationship. Customers are being abused by METABANK.

If we hadn’t been so shamefully and unabashedly by METABANK, we wouldn’t be writing this blog to warn other consumers, but we were so grossly taken advantage of and lied to by METABANK that we must speak up against the practices used by METABANK.

Had only someone else warned us ahead of time, we may have been spared….

Corporations Will Not Accept the PREPAID Debit Cards….. Here is why:

Debit Card Policies

This location does accept bank debit cards with the MasterCard or Visa logo at the time of rental if you have arrived by air into the metro area. The renter must present a return airline ticket with a return date at the time of rental. The renter must be at least 25 years of age. You will be subject to a credit check to determine and ensure credit worthiness before releasing the car to you.

(Car Rental Company Name) reserves the right, in its sole discretion, to seek a Debit Card authorization hold in excess of the estimated rental charges. We will place a hold on your account of $200 plus the estimated rental charges. THESE FUNDS WILL NOT BE AVAILABLE FOR YOUR USE. When the rental is over we will process the reversal but the bank may take time to post it back to the account.

If you fail to return the vehicle as agreed, (Car Rental Company Name) will obtain additional authorizations from your account to cover the rental charges.

(Car Rental Company Name) is not responsible for any returned checks or over-drafts based on this policy.

Positive identification in addition to your driver’s license may be required.

In the United States, Debit, Cash or Check cards can be used at the end for payment of rental charges. For acceptable credit identification and payment methods in countries outside of the United States, please consult the Renter’s Guide and search for the specific location.

Note: Prepaid Debit/Gift cards are not acceptable methods of credit identification to pick up a car at any location. One of the above mentioned cards must be presented. Prepaid Debit/Gift cards are accepted at time of return only.

PAYING USING A PREPAID CARD ISN’T EASIER NOR IS IT SAFER FOR CUSTOMERS and yet this phrasing and empty promise is one of the primary focuses of the advertising used by METABANK to attract wary customers.

The truth of the arrangement is quite the opposite: PREPAID CARD/DEBIT CARD USERS will find their money is now out of their control. These customers will not have access to their own cash money; METABANK will not accept any kind of deposit on their prepaid cards except for cash money. Once METABANK has a customer’s cash money, the customer has given over control of their own money to an anonymous and unscrupulous entity. METABANK’s publicity is a form of false advertising. The PREPAID Bank Cards are a great money making deal for METABANK, and any other bank that follows their example and practices. For consumers, the prepaid bank cards, the debit cards, the gift cards are a nightmare. You are being cautioned not to enter into any kind of an agreement with METABANK because they have lied to so many other customers, including us, and they have kept us from having access to our own money when we needed it the most. Customer after customer have complained about the same identical problem when using DEBIT CARDS, PREPAID CARDS, TRAVEL PREPAID CARDS managed by METABANK.

Because METABANK uses other corporate entities to market their PREPAID CARDS, and because METABANK operates using so many different names, you may already be using a METABANK product without knowing it. Some customers have indicated that the PREPAID Card by METABANK worked as expected for a period of time and then they got scammed big time by METABANK and lied to by METABANK.

METABANK is first and foremost a collections agency and not a bank, especially not a bank in the sense that most people understand the term “BANK.”

METABANK got its start by catering to the underbanked and unbanked citizens in our community…. When you think about this, this means those people all around us who must live from pay check to paycheck. They are the working poor who are most targeted by METABANK. METABANK encourages them to have their salary check directly deposited into an affiliated account with their debit card. This gives METABANK far too much control over their customers’ assets and economic livelihood. If METABANK lied to others, as their customer, you will not be spared. Eventually, it will become your turn to be scammed too.

Customers are only an economic tool for METABANK. METABANK is not designed to provide a genuine customer service to their customer base. METABANK will only move onto to the net person, tell them what they want to hear as a way to hook them into using METABANK. METABANK is taking advantage of the rapid population growth that the world is experiencing.

METABANK is training other banks to follow their practices in annual seminars. Just because METABANK scams the general public and they can get others to do the same thing, this will never make METABANK’s practices moral, scrupulous or of any kind of genuine service to humanity.

Please do not do business with METABANK.

Please do not use PREPAID BANK CARDS.

METABANK will always push the blame for any problems that customers may encounter using their prepaid card back off onto the customer. METABANK Phone Representatives have been given a script, a list of lies to spew back to customers. Partner corporations who have been enticed to use the METABANK Prepaid Cards are give cards with different contact phone numbers on them and they are treated politely. These partner companies are often in disbelief when their customer complain about how they have been so grossly abused by METABANK.

Be forewarned to simply not do business with METABANK.

Don’t use PREPAID BANK CARDS ( they are only a money making deal for the banks, but awful for consumers)

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by mrnd5 on April 2, 2013 • Permalink

Posted in Advocate for your needs and concerns as a consumer, agreements with 520 campuses that enroll more than 4.3 million students, Annual Income of META BANK's CEOs, Bank Locally- Pay with Cash- Open a Savings Account -Don't Use Prepaid Debit Cards, Bank Publicity that is simply "Garbage Talk", Bank Reform and Proper Regulations are Needed, BANK REFORMS NEEDED TO BE CAREFULLY REGULATED, banking in Storm Lake IOWA, BankMeta lies to keep customers from their own money, Banks Designed To Keep Consumers in Debt, Banks have created all the rules for PREPAID CARDS, Banks Lying to Consumers To Trick Them into taking on Debt, Be sure to vote and then to follow up asking elected officials to serve you as a consumer, Big Corporations and Banks run the world, Colleges and banks rake in millions from the fees, Complaints Against Meta Bank, Consumer Rights Advocacy, Consumer Rights- consumers have no or few protections from predatory banking practices, Consumers act to protect themselves and others from further bank fraud and customer abuses, Consumers align to protect yourselves, Consumers are Vulnerable: Help each other, Consumers being forced to use plastic, Consumers Demand Bank Reforms That Serve Their Real Needs, Consumers Join Forces to Protect Each Other from Bank Scams and Frauds, Consumers Need To Save Money And Stay Out of Debt, Consumers Start Talking and Learning Real Facts About Banking, Consumers suffer at the hands of METABANK, Corrupt Practices found within METABANK, Creating Easy Preys Doesn't Make METABANK's Practices Moral, Customer Complaints Abound Regarding how METABANK treats them., Customer Service at METABANK.com, Customer Service isn't listed as being one of META FINANCIAL GROUP INC areas of interest or studied skills, Customer's being scammed by Money Network, Customers of METABANK continue to complain about how they have been mistreated by METABANK, Customers' Scammed Repeatedly By METABANK, David and Goliath -the consumer and METABANK's prepaid debit cards, Disabled Veteran abused by METABANK, Do not give up control of your own money by using a prepaid card, Does METABANK believe their customer base are unworthy?, Dollar General Pre-paid Card is Meta Bank, Don't Invest in META BANK, Don't pay using a debit card, don't take on more debt to pay off the first debt, Don't use PREPAID BANK CARDS of any kind, fees related to gift cards, Financial Regulatory Reforms Needed, Get Debit dot com is Meta Bank, Gift Cards are an interest free loan to an unknown bank, Gift Cards May be Suspended After Purchase and without notice, Green Dot is Meta Bank and Green Dot already has many complaints from customers, herd behavior, Holiday Gift Cards: have hidden fees, Integrity, J. Tyler Haahr only spouts empty legal jargon and empty wording with no real meaning other than to push the blame off onto others, Jackson-Hewitt and METABANK are partners, Jackson-Hewitt tax preparation services to be avoided, Just Curious About Meta Bank's Ad Placement, marketing is basically Meta Bank's major strength just behind collections, Meta Bank charges customers for spending their own money, META BANK continues same scam into end of 2012, Meta Bank denied one man his right to a fair and impartial trial. What kind of a world citizen is Meta Bank? 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Tagged $5 charge for every transaction on the card, advertising, Bank locally, Boycott Meta Bank, Deceptive Marketing Tools Only Help Meta Bank, Have you ever had any luck getting things resolved with Meta Bank? Did Meta Bank ever change the terms without warning?, internet, META BANK fraud, Meta Bank lies, Meta Bank preys on the most vulnerable, Meta Bank Scammed me- Have they scammed you to?, META BANK SCAMS CUSTOMERS, reforms needed now, we can't access our money at all

Posted by mrnd5 on April 2, 2013

https://mrnd5.wordpress.com/2013/04/02/prepaid-bank-card-are-not-acceptable-forms-of-payment-in-the-usa-at-many-places/

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