The Corporate Psychopath: I found them at META BANK when I was one of their prepaid bank card customers

Consumers, Your help is needed to get the proper regulations in place that will actually protect you and all of us from Bank Scams

I established this blog after I had been scammed by META BANK when using their prepaid bank card.

META BANK Lied to me and I had wondered why.

Then I went online and saw that META BANK had been doing this to many other people. It was always the same scam but using different PREPAID BANK CARD names.

The scam is “To keep customer’s money from them” and “To get a free interest loan for META BANK.” That is the part that is consistent and which happens regularly with META BANK.

META BANK has created all of the rules in the fine print on their bank contract. The rules can be changed at any time and with out notice to their customer base.

META BANK began with the underbanked and used that experience to build up their repertoire for what came to be their scam pattern that they would seek to push off onto the general public. The underbanked would be the most economically vulnerable people in our society.

META BANK promises to help them to improve their credit rating by getting one of META BANK’s PREPAID CARDS and by having their payroll salary check or government check directly deposited into an associated checking account. By doing this, META BANK gets full control of all of the assets of the most financially vulnerable people in our society. Then META BANK wreaks havoc on the lives of these people who have been enticed by false and misleading promises.

Oh, it was bad enough that META BANK had scammed me, but the fact that META BANK had done this to so many people really irritated me, and that they had done this to the most vulnerable among us really upset me… so much so that I had to speak-out on their behalf in an effort to protect others from being scammed by META BANK as I had viewed was happening to so many people already.

      • Potential Corporate Partners needed to be warned about the damage that META BANK would cause them when all the while lying to those corporate partners.
      • Consumers needed to be made aware so they could protect themselves.

I don’t want what had happened to me to happen to another person and yet META BANK had actually done much worse to others. I needed consumers to speak up and to act in ways that would serve to protect them and others. We are all in this together in one great fraternity of consumers/customers of a banking system. We must help each other  because banks like META BANK have shown us that they cannot or will not serve us as they should . Given the fact that META BANK has hired lobbyists (RUPLI and Associates) to promote the PREPAID BANK CARD, we can see that META BANK has the means to serve the public, but that their interests are only in creating greater and greater wealth for their CEO’s.

Because META BANK doesn’t understand the real purpose and role in what customer service should be, as consumers/customers, we must demand bank reforms that actually protect us from Banking Practices such as those currently practiced by META BANK.

The Corporate Psychopath

By Paul Babiak, Ph.D., and Mary Ellen O’Toole, Ph.D.


Psychopathy is one of the most studied personality disorders. It consists of variations of 20 well-documented characteristics that form a unique human personality syndrome—the psychopath.

Many of these traits are visible to those who interact with the psychopath who possess some or all of these characteristics. For some, superficial charm and grandiose sense of self make them likable on first meeting.

Their ability to impress others with entertaining and captivating stories about their lives and accomplishments can result in instant rapport.

They often make favorable, long-lasting first impressions.

This personality disorder is a continuous variable, not a classification or distinct category, which means that not all corporate psychopaths exhibit the same behaviors.

Beneath the cleverly formed façade—typically created by psychopaths to influence their targets—is a darker side, which people eventually may suspect. ( META BANK’s advertisements were designed to address my needs as a customer, but the product really wasn’t designed to meet my needs. Then META BANK Lied to me. Is META BANK only hiring people who don’t mind lying? Certainly, after a while those people who must do the dirty work for META BANK by lying to their customer base will come to realize that they are only salaried employees and that  the CEO’s are making a real fortune from this scam. I saw the dark side of the PREPAID BANK CARDS very clearly and in a very negative way… I want to protect others.)

They can be pathological liars who con, manipulate, and deceive others for selfish means.( Wow! That is what META BANK does!!!) Some corporate psychopaths thrive on thrill seeking, bore easily, seek stimulation, and play mind games with a strong desire to win. ( MIND GAMES with a strong desire to win… That is exactly how I was treated by META BANK as their customer and why I feel so compelled to speak out to warn other consumers.)

Unlike professional athletes moved by a desire to improve performance and surpass their personal best, psychopaths are driven by what they perceive as their victims’ vulnerabilities. ( As a former META BANK customer/victim, I have observed that META BANK targets their publicity to customer’s self noted vulnerable areas… Often times, META BANK uses the customer’s desire to protect their financial welfare, promises them that security and then scams that same customer once they have possession and control of that Customer’s cash money. META BANK hasn’t improved their product to meet customer’s real needs; META BANK only changes the wording in their publicity to move the same product using a new name, but it is the same old scam all over again.)  

Little research exists on their inner psychological experiences; however, they seem to get perverted pleasure from hurting and abusing their victims. ( I believe that META BANK seeks out customer’s by making false promises and giving those potential customers misleading information to hook them in. META BANK changes their name and then does the same scam over and over again…. Of course, META BANK enjoys this scam and is indifferent to the people they scam. META BANK was indifferent to my needs as a customer and lied to me…. It was when they so boldly lied to me about many things and kept expanding the list of lies that I began to question what was really  going on within META BANK…. Then I read about Boesen and Pickhinkle, both of whom I felt got royally scammed by META BANK and then after Boesen committed suicide META BANK went after his estate. Years later META BANK was still trying to drain more assets out of the widow Boesen had left behind… I see META BANK/META FINANCIAL SYSTEMS as  a major con of our times.)

Functional magnetic resonance imaging (FMRI) research indicates that psychopaths are incapable of experiencing basic human emotions and feelings of guilt, remorse, or empathy.1  ( This is most likely the case for META BANK because once they have scammed one customer, they simply move on to the next. META BANK doesn’t learn from their mistakes so they can improve their services for their customers. OH NO!!! META BANK is inspired by their own success at lying to only lie more and to continue. The average person would feel remorse and any problems relayed to them by customers would be addressed, but META BANK only keeps doing the same scam over and over again.)

This emotional poverty often is visible in their shallow sentiment. ( Wow that described my experience with META BANK? META PAYMENT SYSTEMS which is after all really nothing but a collections agency. It had become obvious to me that to get the partner corporate entity to buy into promoting their product that META BANK had wined and dined that entity just so they could sweet talk them into scamming all of their customer base. This partnership gave META BANK full access to all of the customers with whom the partner  had been building a rapport for many years… I could no longer trust that corporate partner, and I severed all ties with them after many years as their customer… sad really… META BANK indicates that they have all of the collection aspects of the relationship in place as part of the publicity to that corporate partner… I never would have become a customer of META BANK if a trusted local partner hadn’t been the one selling me the PREPAID CARD….. META BANK had also lied to that corporate partner who initially sold me the prepaid card, but the scam was being pushed off onto me… That corporate partner wouldn’t believe that META BA NK could abuse me in such a way because the card had worked so well for them… Well, that was just apart of the bigger scam, and META BANK is a scam operation.)  

They display emotions only to manipulate individuals around them. They mimic other people’s emotional responses. Some lack realistic long-term goals, although they can describe grandiose plans. The impulsive and irresponsible psychopath lives a parasitic and predatory lifestyle, seeking out and using other people, perhaps, for money, food, shelter, sex, power, and influence.

Psychopathy is a personality disorder traditionally assessed with the Psychopathy Checklist-Revised (PCL-R).2 Often used interchangeably with psychopathy, the term sociopathy is obsolete and was removed from the Diagnostic and Statistical Manual (DSM) in 1968. Currently, there is no formal diagnosis of psychopathy in the DSM-Fourth Edition-Text Revision (DSM-IV-TR); however, it is being considered for the 2013 DSM-V list of personality disorders.


It is fascinating that psychopaths can survive and thrive in a corporate environment. Day-to-day interactions with coworkers, coupled with business policies and procedures, should make unmasking them easy, but this does not always hold true. Large companies’ command-and-control functions ought to make dealing with them simple and direct; however, this may not be the case. ( META BANK’s customer relations are convoluted. Their publicity is basically a lie. META BANK Makes money for their CEO’s who are incredibly rich!!!)

Psychopathic manipulation usually begins by creating a mask, known as psychopathic fiction, in the minds of those targeted.

( Because of the way that METABANK representatives lied to me and tried to push blame on me for their actions , which I believe were intentional that allowed META BANK to hold my $5,000.00 and to keep me from having access to my own money… I believe that there is Pschopathic manipulation present in META BANK.)

In interpersonal situations, this façade shows the psychopath as the ideal friend, lover, and partner. ( How else would such a person get by and be kept by META BANK? Also I believe that this person or group of people may actually be rather high ranking at META BANK)

These individuals excel at sizing up their prey. ( META BANK is best at studying the needs of the American Consumer and perhaps consumer’s in general and they market the identical product using many new names designed to meet the real needs of their targeted customer, but META BANK really has only one kind of prepaid bank card and META BANK retains the right to change all of the rules whenever they see fit and as often as they see fit without notice to their customers…. What kind of a real relationship is this? … The design relies on publicity targeted and crafted to appear to meet consumer’s real needs, but that is part of the scam.)

They appear to fulfill their victims’ psychological needs, much like the grooming behavior of molesters. ( META BANK says in their publicity that by using their PREPAID BANK CARDS that this is safer for customers; it isn’t safe at all for customers given how META BANK takes over and fully controls a customer’s money and keeps the customer from being able to access their own cash money while META BANK has free use of the customer’s money; in this way the PREPAID BANK CARD works like an interest free loan to META BANK while doing nothing at all to protect consumers…. META BANK gets corporate partners to market their card for them, most likely with promises of increased revenue, but that partner corporation will lose their former customer base who will find that META BANK is impossible to deal with. META BANK has obviously courted those corporate partners. Their employees are issued gift cards, and then asked to push the prepaid cards to their customer base. For the employees they can honestly say that the cards work quite well because for them they do. So they can sell the cards with a straight face and with great sincerity. The customers who are issued prepaid cards that may look like those that the employees have are actually issued prepaid cards with a different numbers and the contact phone number on the back will bring each to their designated customer service representative. The customers will find great difficulty using the cards and in dealing with META BANK who has told customers that they haven’t used the card correctly… this has been repeated over and over again per customer’s online complaints to that effect.)

Although they sometimes appear too good to be true, this persona typically is too grand to resist. They play into people’s basic desire to meet the right person—someone who values them for themselves, wants to have a close relationship, and is different from others who have disappointed them. ( Wow!!! This is even how META BANK’s PREPAID CARD Publicity reads… Customers are studied and then marketed to based on those customer’s most vulnerable areas what ever they are because META BANK has a card for all of those vulnerable areas. Actually the card is the same; the publicity for the card is modified to appear to meet the needs of the customer. It has always been the same prepaid card that META BANK has offered just with a new name.)

Belief in the realism of this personality can lead the individual to form a psychopathic bond with the perpetrator on intellectual, emotional, and physical levels. At this point, the target is hooked and now has become a psychopathic victim.

Corporate psychopaths use the ability to hide their true selves in plain sight and display desirable personality traits to the business world. To do this, they maintain multiple masks at length. (I had wondered how this worked, but it would seem that the people who are behind the scam by which META BANK operates may convey a very congenial face to the world or they send a newly hired employee to speak to the public… that new employee doesn’t even know that what they have been given to say is a con and that they have been given only partial information… SEE: LISA BINDER who spoke to the press about the Dubai Assassination Using a  META BANK PREPAID CARD. )

The façade they establish with coworkers and management is that of the ideal employee and future leader. This can prove effective, particularly in organizations experiencing turmoil and seeking a “knight in shining armor” to fix the company. ( This knight in shining armor must exude confidence that draws people to them… I feel so sorry for the employees of META BANK… Pickhinkle is in prison for bank fraud/embezzlement or CD fraud, but what were her supervisors doing while she did this scam? I think that she was as much a victim as the enactor of the crime… just my opinion from the outside looking in. She indicated at her trial that she was following directions… I believe her.)


How is it possible for psychopaths to fool business-savvy executives and employers?

They often use conning skills during interviews to convince their hiring managers that they have the potential for promotion and the knowledge, skills, and abilities to do an outstanding job. ( It may be in the very higher/higher eschelon of META BANK where the con actually began, but the way META BANK’s operates is a scam of their customer base through the use of misleading information, publicity that has little basis in facts and by lying to their customer base, per my own experience.)

Using their lying skills, they may create phony resumes and fictitious work experience to further their claims. They may manipulate others to act as references. Credentials, such as diplomas, performance awards, and trophies, often are fabricated.

“Psychopathic manipulation usually begins by creating a mask,known as a psychopathic fiction, in the minds of those targeted.”

Once inside the organization, corporate psychopaths capitalize on others’ expectations of a commendable employee.

( I believe that META BANK does this through employee reward systems)

Coworkers and managers may misread superficial charm as charisma, a desirable leadership trait. A psychopath’s grandiose talk can resemble self-confidence, while subtle conning and manipulation often suggest influence and persuasion skills.

Sometimes psychopaths’ thrill-seeking behavior and impulsivity are mistaken for high energy and enthusiasm, action orientation, and the ability to multitask. ( Meta Bank advertises for employees who can work in a fast changing and fast paced work environment…. no mention is made of honesty, integrity or the ability to work well with their customer base…. META BANK’s value system is skewed.)

To the organization, these individuals’ irresponsibility may give the appearance of a risk-taking and entrepreneurial spirit—highly prized in today’s fast-paced business environment. Lack of realistic goal setting combined with grandiose statements can be misinterpreted as visionary and strategic thinking ability; both are rare and sought after by senior management. An inability to feel emotions may be disguised as the capability to make tough decisions and stay calm in the heat of battle.


Evidence suggests that when participating in teams, corporate psychopaths’ behaviors can wreak havoc.

In departments managed by psychopaths, their conduct decreases productivity and morale. These issues can have a severe impact on a company’s business performance. ( I had felt that the reason that METABANK employees lied to me, bold and brazenly lied to me as their customer originated in the higher ranks among their CEO’s. The mind set is a really sick one at META BANK that would permit them to lie to their customer in such a brazen way…. Had they never seen that they were lying? META BANK had mailed me a check at my home address and then said that I ( pleased note that META BANK was pushing the blame off on the consumer/customer base) had never given them my address. META BANK had a canceled check with my correct mailing address on it… Why did META BANK feel the need to lie? I saw through the lie, but once META BANK has your money, you have lost all control and even complete accessibility to your own money.)

There also is the risk for economic crimes to be committed. For the corporate executive and the criminal justice professional, the issue is the possibility of fraud. ( It was clear to me that META BANK had designed the prepaid bank card as a way to keep money from consumers. The way that the idea was put in place was to scam their customer base rather than to serve them… META BANK’s mindset is really sick.)

Today’s corporate psychopath may be highly educated—several with Ph.D., M.D., and J.D. degrees have been studied—and capable of circumventing financial controls and successfully passing corporate audits.( META BANK’s corporate pyschopath may actually have a law degree and be dedicated exclusively to pushing META BANK’s agenda.)


Investigators should familiarize themselves with the typical traits and characteristics of psychopaths. They must understand the manipulation techniques used to create and manage the psychopathic bonds established with victim organizations. ( I can assure you as a former META BANK customer that there is something very wrong with the way that META BANK does business. The red flag for me was META BANK’s desire to push the blame off on me and to boldly lie to me… there is something very sick in the dynamics and internal practices at META BANK.)

Their reputations, as judged by those in power with whom they have bonded, known as patrons, often provide added protection from closer investigation.

As a result, the investigator may need to build a case with management for the use and broad application of more sophisticated techniques.

Psychopaths can be expert liars often immune to traditional deception-revealing techniques. Some practice avoiding detection in anticipation of being caught and interrogated. Therefore, investigators independently should corroborate any information provided by these individuals.3

Psychopaths often compartmentalize their behavior, enabling them to present themselves differently to various people. ( META BANK obviously wined and dined their partner corporations in order to get those partner corporations to push their META BANK PREPAID CARD. As a META BANK PREPAID CARD HOLDER, I was taken advantage of and misused.Because of this, I feel compelled to speak out  to try to protect other consumers.)

This can help them hide their manipulation and control over victims.(META BANK wanted and wants full control of customer’s money. It is an interest free loan to META BANK. META BANK has offered classes to other banks to show them how to do this same scam. Then if they are all doing it and basically they all need to do it in order to be able to survive, it may appear that the underlying principles of the META BANK CARD are usual and normal, but in reality it is only an expansion of the same scam. This time, since “Everybody is doing it” there is an added sense of legitimacy to the original scam.)

Coworkers may have knowledge or suspicions about the psychopath’s actions that can be useful to the investigator. However, they either may fear repercussions or fall under the influence of the psychopathic bond. (I don’t know what the deal is at META BANK internally, but from what I have observed, there is a major problem. META BANK needs for others to imitate their practices when in fact these practices are very harmful to the general public.)  

If investigators establish rapport and trust with coworkers, information that will make their work easier may be forthcoming. The difficulty comes when these associates are persons of interest. Fortunately, some companies have hotlines for employees to report coworker fraud and other complaints. This information provides an invaluable source of leads.

Corporate psychopaths with exceptional verbal skills make crafty interviewees.( I have felt that META BANK is very skilled at creating publicity on line… it is just too good to be true that any entity could actually meet a customer’s real needs. META BANK has customers self identify according to their own perception of their most vulnerable places. Then META BANK sells the same prepaid bank card using a new name but the same old prepaid bank card after hooking the customer.)  

This ability provides an opportunity embraced by many of them to fool law enforcement officers. In these cases, investigators should proceed with caution.4 Specific interview strategies should focus on exposing psychopaths’ vulnerabilities. Possession of a sense of superiority and lack of empathy can enable them to boast about the brilliance of their latest fraud scheme. They often believe that only someone equal in intelligence to them could understand their actions. Strategies specifically designed to elicit such boasting can result in a wealth of information for the investigator.

Corporate psychopaths are successful because they single out and isolate their targets.(META BANK’s customers are often sought out online and never come face to face with META BANK employees. Frequently META BANK customers must pay extra to phone META BANK . I was handed from one person to the next after having been put on hold. The scale of META BANK’s scam, by using many different names, is great and therefore a serious problem.)

They sometimes manipulate several victims at the same time. Investigators never should assume they are immune to a psychopath’s approach. One conversation may be enough for the bond to be established. Investigators must know themselves so that psychopaths’ attempts at bonding fail. It is valuable for investigators to allow psychopaths to believe they have established rapport with someone inside law enforcement.

psychopaths use the ability to hide their
true selves in plain
sight and display
desirable personality
traits to the
business world.”

Investigators must work as a team, communicate openly, and take all observations seriously. This is necessary for personal self-defense, proficient investigative work, and successful prosecution.

Officers must take heed to avoid being impressed with a suspect’s credentials and success. ( I think that META BANK has given large amounts of cash to re-election campaigns in Iowa to buy some credibility.)

Occasionally, when psychopathic white-collar offenders are identified, they seek out the media and give interviews. They may believe their skills of persuasion are effective enough to convince the public that they have done nothing wrong and are being targeted unjustly by law enforcement. To prevent serious problems with the investigation and prosecution, investigators must remain prepared for all possibilities.


Psychopathy, one of the most studied personality disorders, can cause numerous problems for investigators. Therefore, law enforcement officers must become familiar with psychopaths’ traits and characteristics, prevent psychopathic bonds from forming, corroborate information, and take all observations seriously. Investigators must know themselves, work together, communicate with one another openly, and be prepared to deal with the corporate psychopath.


1 Functional magnetic resonance imaging (FMRI) registers blood flow to functioning areas of the brain.

2 Hare’s Psychopathy Checklist-Revised (PCL-R) is an assessment tool. Psychopathy, as determined by the PCL-R, is indicated by an overall score of 30 or above out of a possible 40. Many point configurations could result in the overall score, determined by adding up the total points for each of the 20 individually listed traits.

3 Research on psychopathy and lie-detection equipment has yielded conflicting results and remains inconclusive.

4 Once established that a perpetrator truly is a psychopath, reviewing the videotaped interrogation can be a lesson in their subtle, yet sophisticated manipulation techniques. This is the same method used by psychopathy researchers.

Additional Resources
P. Babiak, “When Psychopaths Go to Work,” Applied Psychology: An International Review 44, no. 2 (1995): 171-188
P. Babiak, “Psychopathic Manipulation at Work,” in ed., C.B. Gacono, The Clinical and Forensic Assessment of Psychopathy: A Practitioner’s Guide (Mahwah, NJ: Erlbaum, 2000): 287–311
P. Babiak and R.D. Hare, Snakes in Suits: When Psychopaths Go to Work (New York, NY: Harper/Collins, 2006)
P. Babiak, “From Darkness into the Light: Psychopathy in Industrial and Organization Psychology,” in ed., H. Hervé and J. Yuille, The Psychopath: Theory, Research, and
Practice (Mahwah, NJ: Lawrence Erlbaum and Associates, 2007)
P. Babiak, C.S. Neumann, and R.D. Hare, “Corporate Psychopathy: Talking the Walk,” Behavioral Sciences and the Law, 28, no. 2 (2010): 174-193
H. Cleckley, The Mask of Sanity (St Louis, MO: Mosby, 1982)
J. Coid, M. Freestone, S. Ullrich, “Subtypes of Psychopathy in the British Household Population: Findings from the National Household Survey of Psychiatric Morbidity,”
Soc Psychiatry Psychiatra Epidemiol 47, no. 6 (2012): 879-891
R.D. Hare, Without Conscience: The Disturbing World of the Psychopaths Among Us (New York, NY: Guilford Press, 1999)
R.D. Hare, Hare Psychopathy Checklist Revised, 2nd ed. (Toronto, ON:
Multi-Health Systems, 2003)
M.E. O’Toole, “Psychopathy as a Behavior Classification System for Violent and
Serial Crime Scenes,” in ed., H. Hervé and J. Yuille, The Psychopath: Theory, Research, and Practice (Mahwah, NJ: Lawrence Erlbaum and Associates, 2007): 301-325
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