All posts in category Customer Service at METABANK.com

2013 Consumer Complaints Regarding METABANK Still Pouring In


Submitted: Fri, September 20, 2013

  • Reported in Arizona 
  • Meta Bank, Texas

 

Meta Bank Ace Elite Card blocking card poor customer service Texas

 Beware of cards issued by Meta Bank.  They will put a block on your card and not even tell you.

I just moved and got the card to have my job paycheck put on it.

They put a block on my card and did not even tell me and will not remove the block because I just moved and do not have any bills put in my name yet.

They said they put a block on it because I used the direct deposit.

Beware they put blocks on it for alot of reasons and you may go to use your card and it will not work.

(That pretty much explains everything. Need we say more??!!!)

  • Submitted: Mon, February 11, 2013
  • Updated:  Tue, March 12, 2013
  • Reported By: S. T. — Cicero Illinois United States of America
Netspend

InternetUnited States of America
  • Credit Card Fraud

Netspend Meta Bank ILLEGAL Forced Transaction Allowed – REFUSING to Refund! Internet

 

First off let me start by saying that my home has 3 disabled people in it and our 3 checks are direct deposited to one netspend card and it is our ONLY income.    That being said…

January 27th a “Budget Rental” put through a forced transaction on an old transaction that WAS SUPPOSED TO BE COMPLETED back in December! They put it through for $4,852.20!

My home ONLY has an income of a whopping $2,100/mo!!!!!

I have NEVER made a transaction THAT large EVER.

I called in and put in a transaction dispute RIGHT AWAY the second the transaction showed up on my phone, THEN I ALSO submitted it online as a double back up… They told me 3-5 days, 3 days later I called they said 7-10 business days and it would be a waste of my time to call before the 11th of February… So here it is the 11th of February, we are now homeless thanks to this ONE ILLEGAL transaction and they tell me THEY HAVE NO UPDATE and that they will call me back when they know something… My family will be once again in the street on Valentine’s day…

and they are still not sure whether or not they are going to reverse an ILLEGAL TRANSACTION… Ummmmmm hello the fact that my account ISN’T supposed to be ABLE to be overdrawn by more than $10 and the fact that it came through on a lost/stolen card AFTER it was reported lost/stolen and the fact that it was done as a FORCED Transaction which AGAIN… is ILLEGAL…

OBVIOUSLY it wasn’t authorized!!!!!!!!!!! Being that they are SUPPOSEDLY FDIC INSURED They SHOULD have been able to reverse the charge within a day or two!

(Meta Bank isn’t looking out for the best interests of their customer base as seen here. META BANK has not acted as a friend nor as a good neighbor. Please do not do business with METABANK for your own good. These two stories should be adequate warning in and of themselves…. Each took place in 2013. Our objection is that METABANK fails to take responsibility for the problems they cause. We find it odd that METABANK never takes responsibility for problems with their service and that METABANK fails to protect their customer base as consumers. Why would any company partner with META BANK to sell their prepaid cards for them? When customers are abused in this way, they will be forced to move along.)

More followed in that discussion:

SUBMITTED: Monday, April 22, 2013

We apologize again for the problems you have experienced. We are happy to inform you that this should be taken care of now. Thank you again for your patience. NetSpend ( This turned out to be empty talk, no problems had been resolved!!! The problem was reported on March 12, 2013 and Netspend made an empty, weak answer on on April 22, 2013)

Consumer Comments

BUDGET – AUTHOR: chickpainter – (United States of America)

Consumer Suggestion

SUBMITTED: Tuesday, March 12, 2013

Why on earth didn’t you contact Budget and raise wholly hell. I would have called everyone
and anyone who would listen including the police, FBI you make enough noise you get results.
Good luck, next time anyone plays dirty do the same. (by making noise lots of noise)

EFTA – AUTHOR: chestercheetah – (United States of America)

 Consumer Suggestion

SUBMITTED: Wednesday, February 13, 2013

Read the Electronic Funds Transfer Act  (EFTA) – it spells out what your rights are under Federal law regarding disputed electronic debit transactions.It tells what the bank’s responsibilites are and the time frames they have to respond to the problem.  If they fail to meet these guidelines, the claimant can sue them for 3x the disputed amount.

#2 Author of original report
Update: 4/22
AUTHOR: S. T.  –
SUBMITTED: Monday, April 22, 2013

To chickpainter: I tried that and they denied ANY and ALL knowledge of such a transaction being put through on their end at the office in which I did the actual rental at. The return location is at a repair shop and they never answered ANY calls so that makes it VERY difficult to raise hell with them.

To chestercheetah – thank you for that tidbit of information they have actually exceeded the limits and today we will be calling our lawyer… I’d like to see just how quickly they decide to return our stolen funds when being faced with needing to pay 3 times the initial amount!!! And just for kicks I’ll be asking him to toss in psi and suffering for my son who went through seizures and multiple infections due to the BS games they have been playing.

And to Netspend we sent letters in 3 different times before you FINALLY acknowledged receiving even one and today is the day you CLAIMED we would get our refund… And oops it’s STILL not there… So yeah you can deal with our lawyer at this point cause I have had it with the games your playing with our life.

NetSpend
AUTHOR: NetSpend Corporation – (United States of America)
SUBMITTED: Tuesday, February 19, 2013

We are very sorry to hear about the problems you experienced with your transaction with Budget Rental. (It took three months and most likely an attorney just to get Netspend to respond.)

Since you initially provided them with your card number in December, Budget was given authorization to charge your account. Because this was an overcharge, we can assist you with getting the funds returned through our dispute process. Please fax the requested letter to 512-531-8770 and we will provide you with an update as soon as possible.

Also, the FDIC protects depositors of insured banks located in the United States against the loss of their deposits if an insured bank fails. This does not cover regular transactions. (It took three months and most likely an attorney just to get Netspend to respond. It really doesn’t matter what any law says, but more in how corporate entities treat their customer base….. If people treated each other decently there wouldn’t be any need for laws….. Because METABANK has abused their customer base so often, it has become apparent that more laws are needed to govern and over see how banking is done.)

Again, we sincerely apologize for any inconvenience this has caused you. We hope the problems you have experienced will not bear any reflection on our company and the services we provide.

Thank you,

NetSpend

 ($4,852.20 is a very large amount for NETSPEND To allow through without calling their customer to alert them.

In one place we see, METABANK putting a hold on a customer’s funds because according to METABANK they had perceived Terroristic activity on that account, but here an extremely large amount is put on the card and METABANK lets it go through….. Where do consumer interests factor in at METABANK? Are we just a convenient source of an interest free loan or are we people? Netspend/Metabank was far too slow in responding to this consumer’s needs.)

*********************

netspend   Wed, February 20, 2013 

  • Reported By: M G — Houston Texas United States of America NETSPEND – Internet United States of America
 
  • netspend meta bank, netspend, prepaid debit card/ alternative banking Internet

*UPDATE Employee: NetSpend

I’m writing this report to let consumers know to not use netspend. This card seems decent on the service but beware.

(SERVICE?!!! That is the major complaint against using Meta Bank and any prepaid bank cards. and this kind of complaint has ocurred over a period now of what is amounting to many years)

They do not release funds as soon as there are received they are held for a day up to three to make interest. (METABANK held all of my money for one month. It was a large amount of money. It was on a travel card and the money would have been spent in increments. To get a Prepaid Card METABANK will only accept cash money; I had given METABANK cash money and they never allowed me access to my own money for the month I would be on the trip of a lifetime in Paris. I ended up living like a homeless person in Paris, in a place where English isn’t the first language and American isn’t the cultural reference point. I hadn’t worked all of my life to live in Paris as a homeless person… who would?)

You can not reach a live person because they give no option when you call the automated system you have to try multiple avenues to reach someone.

Every time I have called the representative was hard to understand and they charge you.50 cents.

The online customer service is no better it takes literally 48 hours for a reply.

(NETSPEND and METABANK are one in the same. The concept of a prepaid bank card is that a consumer hands over their own cash money for an anonymous corporate and likely rich entity to get an interest free loan from you as their customer. In return, you the customer get abused.  Once they have your cash money, they have all the power over your access to your own cash money. False advertising, false and misleading promises of services that simply don’t exist, and outright lies, hooks in customers. METABANK gets a partner company to market their prepaid bank cards for them. The partner company basically gives  METABANK full access to their customer list. The partner company’s customer may feel comfortable buying the PREPAID CARD because they have done business with that entity for many years. The partner company has been mislead by METABANK too. However, Meta Bank does make some money for the partner entity and appears to treat them well. The partner entities’ CEOs are basically courted by METABANK’s CEOs so their guard is down too. In the long term, the partner company will lose long term customers.)

AUTHOR: NetSpend Corporation – (United States of America)

SUBMITTED: Wednesday, February 20, 2013

We certainly hate to hear feedback like this, but we do understand your concerns.

We can assure you that deposits are posted as soon as we receive them.  The only time a deposit may not be available right away is if we need to verify some information.  This verification is only meant to protect your account and your money. ( Please note that META BANK only accepts CASH MONEY to load or re-load their prepaid bank cards. Cash money is required because it is negotiable currency right away!!!)

Also, the only time a balance inquiry fee will be charged is if you are contacting us to check your balance or to see if a deposit posted.  We offer free services. such as text message alerts, to avoid this fee.

(METABANK has full control of all of the money you hand over to them and they lie. On top of that they charge you money to ask about your own balance while METABANK/NETSPEND is getting an interest free loan from you as their customer. Text message alerts implies that you must have a cell phone to be able to bank with NETSPEND/METABANK. METABANK is a thrift bank that seeks out the most economically/finally vulnerable people in our society. Who can afford a fancy cell phone???? Think about this. METABANK/NETSPEND is not customer oriented.)

We strive to achieve a high level of customer service and continually look into ways of improving our products and service.  We hope that the problems you experienced will not bear any reflection on our company or the services we provide.

(This final paragraph seems to be overtly fawning and rather condescending because the problem has been repeated time after time. Therefore it seems to be an empty statement made in 2013…. We began following the actions of METABANK in 2009 during that CD fraud trial. That is 4 years or longer of scamming the consumer, and that is far too long and too much for the general public to bear.)

Thank you,
NetSpend

************************

Submitted: Thu, October 24, 2013

Updated: Thu, October 24, 2013
Reported By: E. C. — Vermilion Ohio
Giant Eagle
4453 Liberty Ave.
Vermilion, Ohio

Category: Grocery Stores
Giant Eagle Metabank, Visa, PayPower Visa prepaid card Vermilion Ohio  

(MetaBank relies on corporate entities to sell their PREPAID CARD for them. METABANK basically courts the CEOs of the corporate entity to get them to sign on to METABANK’s collections program.) 

My neighbor gave me a Giant Eagle reloadable prepaid Visa card for $20 as a gift for some work I did for them. They just gave me the card, removed from it’s packaging, which I later read when looking at 1 in the store after the problem we encountered. The package the card came in states fees on the back, including a $6.95/mo. maintenance fee, and states it is not a gift card, although the receipt for purchase of the card, which my neighbor still had and I saw after I told them of the problem, states

“Gift card activation” and “Gift card $20.00”.

(This is fraudulent and misleading on the part of METABANK. It can’t be stated any clearer than what is written above.)

My wife went to use the card 6 weeks after we got it, as usual, we had shopped at the store many times, always forgetting to use it. When she went to use it, it would not register. the clerk said that it had to be activated. My wife got out of line, called PayPower to activate it. when she went back to pay for the purchases with the card, $13.05 was credited from the card.

(This was then not a $20 gift card, was it? So this is misleading and predatory practices on the part of METABANK.)

When she asked the clerk why not the $20, the clerk said she didn’t know. My wife said she would go to the customer service desk and inquire, another clerk came over and told her she would have to call the number on the card. My wife asked if other’s had the same problem, and the clerk said yes.

(We have also seen other consumers struggle with prepaid cards at gas stations and in all the places where people would expect to pay using them. This was a gift card for a specific grocery store that fell for the pitch that METABANK had given them.)

After calling PayPower later, she was told of the $6.95 monthly maintenance fee deducted as it was over a month the card was used after it was purchased.

(METABANK/PAYPOWER was getting an interest free loan for the gift card for over one month and then they want to charge the customer more…. what if the customer had tried to use the card too soon???!!!)

In short, my neighbor’s fault for buying a card with these fees, and mine for not using it sooner. But really, you give them free use of your money from the time of purchase of the card until the time you use it, people not using all of the money on the card and losing the card and forgetting to replace it, on top of the fees chipping away at your balance. And add in the potential for anyone to be able to get the numbers off of the cards hanging on the racks in the stores and accessing the accounts after they are purchased and money loaded on to them by someone else.

(Yes, it is a banking gimmick to keep the consumer confused so that the bank can make a huge profit. The person who was scammed here gets the full implication for why these cards are in reality a piece of crap for consumers.)

My only recourse, I’m not shopping at Giant Eagle anymore (Go Meijer’s and Aldi!), and I have cancelled my Visa card.

( We also dropped all further contact with the partner corporate entity who sold us our prepaid bank cards. This is what I have been warning potential partner companies for a long time. Yes, I understand that your CEOs have been courted by the CEOs of METABANK PREPAID CARDS so that the partner entity was taken in too. I have warned you that our only recourse as consumers is to stop doing business with the entity who sold us the PREPAID CARD in the first place. This report only highlights the fact that in the short term the prepaid cards may seem to be a boon, but in the long term METABANK’s practices will cause you to lose customers.)

***********************

MetaBank and Social Security

 

    • Submitted: Mon, October 07, 2013
    • Updated: Mon, October 07, 2013
  • Reported by HC from— Acworth Georgia

 This past year my wife has had a terrible problem involving Social Security, MetaBank, and Fraud in regard to her Mother’s Social Security direct Deposit.

My wife’s mother suffers from Alzheimer’s.

There is a verified ring of individuals that are fraudulantly trying to move Social Security Direct Deposits from Wells Fargo to MetaBank.

We have filed numerous police reports to the aithorities local, state, and National.

Moreover, we have been to Social Security five times this year in regard to this matter.

At first, SS told us that she was ‘Auto enrolled.”

Next, SSA told us that her mother agreed to be enrolled.

Then we found out that farad was commitied in regard to opening an account with Metabank in regard to SSA direct deposit.

My wife has POA in her mother’s finacial and medical affairs.

She gave Social Securitiy Administration copies and we have discussed this matter with the same SS Representative several times.

Additionally, we had protocols set up with SS to alert us if anything was changed without authorization of the POA and yet it continues to happen.

My mother in law has had direct deposit of her SS for decades and somehow someone can get into SS and re-router her check to Metabank.

I cannot prove this, but I am starting to think someone within SS is involved. When we contact SS we get the usual runaround and denials that actions neccessary actions were taken.

(We are beginning to wonder about kickbacks!!!)

We watched the Repesentative input the data and information and have her name, contact number, and extension.

So guess what? We cannot get in contact with her on that number and extension she gave us and have left three messages for her to call us back.

I won’t hold my breath. No surprise at this point. The authorities have Identified and arrested a ring of individuals involved. Seems the ring leader is located in Jamaica and is untouchable.

My wife and I are so frustrated and angry because her mother depends on SS to live and survive monthly.

(Because METABANK basically runs a scam, their own internal policies seem to contribute to this success of this kind of a scam. There is a need for better regulation of our banking system. In recent years, we have been inundated with phony phone calls out of Jamaica and from other toll free callers. No one seems to be watching out for consumers’ interests in the USA, but the time has come and it is now!!!)

SSA always acts as if this is the first time they have heard such a thing.

( Who heads up the SSA? They must be notified and this problem must be addressed immediately. Please contact all of your elected officials to make them aware of this new twist by METABANK or using METABANK…. this is totally unacceptable!!!)

I wonder how many elderly individuals this is happening to in regard to SSA and Meatbank. It would suffice to say that this has been a nightmare and SSA is involved to some degree. We need help in this matter with the media and legal advice.

(Do contact the media immediately!!! This needs to be stopped and corrected.)

******************************************

    • Submitted: Thu, October 25, 2012
    • Updated: Thu, October 25, 2012
  • Reported By: ns — Massachusetts United States of America
netspend

InternetUnited States of America

Netspend Meta Bank: they charge a transaction fee for swiping the card

Also, when I used it at a gas station, I had a $65 balance. Then I spent $15 and now my balance is $15.

(Please note that the amount left is the exact same amount that was spent. Is METABANK doing this purposely or are they hiring incompetent people who just happen to accidentally make money for METABANK? We have observed this situation at MetaBank before.)

50 bucks magically gone Netspend blamed the gas station. I bank using the Internet with MetaBank.

(Please note that METABANK also charges customers who phone to ask what their balance is. This is the biggest nightmare for consumers that we have ever seen.)

 

They charge a transaction fee for swiping the card also I used it at a gas station I had a $65 balance. I spent $15 and now my balance is $15.
50 bucks magically gone and  Netspend Meta Bank blamed the gas station.

I got the receipt and Netspend pretty much told me to screw off.  (This is the kind of customer service that we have encountered before and complained about over and over again.)

That’s not the first time they have pulled this and now I cant get my money back. I have been ripped off by Netspend Meta Bank as they have nickel and dimed me again.

(We sincerely hope that you will complain to every media outlet in your area and to every elected official for your area. May what happened to you never happen to another person)

 Marketing is basically Meta Bank’s major strength just behind collections. We find METABANK’s advertisement placement to be questionable.

Leave a comment
by mrnd5 on October 28, 2013  •  Permalink
Posted in Advocate for your needs and concerns as a consumer, Annual Income of META BANK's CEOs, Avoid This Service, Bank Reform and Proper Regulations are Needed, BANK REFORMS NEEDED TO BE CAREFULLY REGULATED, Bank Regulations must be enforced, Bank Regulatory Reforms are Needed, Bank Tellers at MetaBank earn wages on the average that are below the poverty level, banking in Storm Lake IOWA, BankMeta lies to keep customers from their own money, bankmeta.com, Banks are creating economic servitude in the USA, Banks Designed To Keep Consumers in Debt, Banks have created all the rules for PREPAID CARDS, Be sure to vote and then to follow up asking elected officials to serve you as a consumer, being manipulated, Big Corporations and Banks run the world, but it is still Meta Bank's same service and poor quality, Complaints Against Meta Bank, Consumer Advocate, Consumer Alert, Consumer Rights Advocacy, 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 Demand Bank Reforms That Serve Their Real Needs, Consumers must speak out, Consumers suffer at the hands of 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, Customers of METABANK continue to complain about how they have been mistreated by METABANK, Customers' Scammed Repeatedly By METABANK, Do not give up control of your own money by using a prepaid card, Don't Invest in META BANK, Don't use PREPAID BANK CARDS of any kind, Fight Corruption, Financial Regulatory Reforms Needed, future oriented, Getting by in a tough economy, gift card payment systems, Gift Cards are an interest free loan to an unknown bank, Gift Cards May be Suspended After Purchase and without notice, Holiday Gift Cards: have hidden fees, Human Rights, 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
Tagged , , , , , , , , , ,

Posted by mrnd5 on October 28, 2013

https://mrnd5.wordpress.com/2013/10/28/2013-consumer-complaints-regarding-metabank-still-pouring-in/

When your boss asks you to do work that you perceive to be immoral…..

Exploring the Self-Esteem Related to “Having a Job” any job…. an immoral job may backfire

We have wondered how the METABANK employees who answer the phones as customer service representatives actually feel about what they do.

 

Certainly they must know they are lying to people, ordinary people who are just like them.

 

Statistics show that bank tellers in Storm Lake Iowa earn salaries that place them below poverty level.  How desperate can these phone representatives be? Have they been so mislead that they believe in what they are doing?

If they are ignorant of what they are doing, what will it take for them to realize that they are the ones who are making METABANK’s CEOS super rich while they still live below the poverty level?

Could they understand that by lying to the customers that this is dishonest? For how long can these customer representatives going on perpetuating this lie that makes their CEOs so rich? Certainly there must be something in it for these people to lie to other people who are so much like them at the other end of the phone? What kind of “UNTRUTHS” have these METABANK phone representatives been fed so that they carry out the dirtiest job on behalf of the METABANK CEOs?

At Work: Job, self-esteem tied tightly together

Andrea Kay, Gannett12:57 p.m. EDT August 31, 2013

Feedback on the job can be a buffer against depression.

Work means so much to us Americans that without it some people don’t want to get out of bed in the morning.

That is likely one reason unemployed adults and those not working as much as they would like are twice as likely to be depressed as Americans employed full time. [Feeling stuck in a dead-end job such as being a phone representative for METABANK…. This has got to be a pathetic and hopeless situation for those who are being required to do the dirty work that makes the METABANK CEOs rich and then richer yet.]

STORY: Who’s feeling stressed? Young adults
COLUMN: Workers’ happiness rubs off on profits [ Think about this!!!!!!]

That’s the conclusion of a Jan. 1-July 25 survey of more than 100,000 Americans conducted by the Gallup-Healthways Well-Being Index. It says 16.6% of unemployed Americans are depressed compared to 5.6% of those who work full time.

“Self-esteem and self-worth are closely aligned with working,” says psychotherapist Charles Allen, who estimates about 10% of his clients are out of work or worried about losing their job.

When you have a job, you have a continuous source of feedback that you are a contributing member of society, he says. That’s not to say you go to work thinking, “Hey, I’m a valued member of society.” The idea is largely subconscious.

[But what if you are asked to harm innocent people who are just like you whom you only encounter at the other end of the phone??? That can’t feel hopeful in anyway.]

“You feel it in the depths of your brain,” he says.

Being employed helps you feel wanted and that you’re contributing to your finances, says psychotherapist Elizabeth Lombardo. It also gives you social support — “a buffer against depression.”

In his practice, psychotherapist Jonathan Alpert sees a lot of unemployed people who are depressed.

He describes them as usually feeling hopeless and helpless, their sense of identity greatly diminished.

“Employment provides a sense of purpose, … of belongingness,” he says. “Those who are unemployed lack that purpose.”

Some unemployed workers also lack structure, which leads to unhealthy habits like staying up until 3 a.m. then getting up late the next day. That “makes them feel even more different than the employed,” Alpert says.

Being depressed also can affect your ability to seek and keep a job.

Allen’s depressed clients who are unemployed “typically have tremendous difficulty in finding work because they lack energy and drive to engage in a job hunt,” he says. Their pessimism and feelings of worthlessness also contribute to the idea that they won’t find work.

When motivation plummets, you withdraw and “why bother?” prevails, Lombardo says.

A depressed person may not do well in interviews.

“Who wants to hire ‘Debbie Downer?’ ” she asks.

Some people who are depressed can have a tough time keeping a job: They take too much time off, have a lack of drive, don’t concentrate well and sometimes simply don’t care, Alpert says.

[ The term “SIMPLY DON’T CARE” highlights that some people may take a job as a phone representative at METABANK just to have a job. They may understand that what they are doing is immoral, but perceive that there aren’t many other options. This has got to be a sad state of affairs for these employees. If they could see a positive way forward, internally they may be able to ask for the right to treat others fairly…. This situation is predatory on so many levels…. Shame on METABANK CEOs who created this abhorent and offensive scenario.]

They also “often have a poor self-image and lack confidence, two factors that strongly impact job retention and performance,” he says.

Alpert says he also sees a lot of another type of depression — in people who are employed.

It “usually stems from high stress and feeling disenchanted with their job or simply unhappy with the direction their career has taken them,” he says.

Feeling stuck in a position “can bring about a sense you have no control over your situation,” Lombardo says. “Feeling powerless can cause depression. And depression can lead to getting demoted.”

Depression among those with jobs costs U.S. employers $23 billion annually in lost productivity, according to Gallup.

The survey found that depression decreases as income rises. It showed that Americans who earn less than $36,000 annually are nearly three times more likely to be depressed than those who earn more than $90,000 annually.

Depression takes a toll on a person — employed or jobless — as well as the economy.

[We find it impossible to believe that the METABANK Phone representatives who lie to customers can do this in the long term without having some feelings of remorse. We have, of course, made the assumption that they are human beings. How desperate are they that they can continue to lie to people who are a lot like them at the other end of the phone?]

It may be depressing to talk about depression. But the more we know about it and discuss it, the more likely the stigma associated with it will be reduced.  [We believe that America is a sick society at this time. It is imperative that as ordinary people that we insist on humane treatment of each other… this treatment goes both ways, you know… It is the “Golden Rule.”]

And perhaps the people who need help the most will get it.

Career consultant Andrea Kay is the author of This Is How To Get Your Next Job: An Inside Look at What Employers Really Want.

 

Note:  Please notice carefully where METABANK and any other Prepaid Bank Card offered places their advertisements 

Leave a comment
by mrnd5 on October 27, 2013  •  Permalink
Posted in Banking, Consumers align to protect yourselves, Corrupt Practices found within METABANK, Customer Loyalty Program, 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 service of METABANK, Customers of METABANK continue to complain about how they have been mistreated by METABANK, Disabled Veteran abused by METABANK, Dollar General Pre-paid Card is Meta Bank, Don't Invest in META BANK, Fight Corruption, Financial Regulatory Reforms Needed, Gift Cards May be Suspended After Purchase and without notice, Green Dot is Meta Bank and Green Dot already has many complaints from customers, innovative banking practices, Integrity, Just Curious About Meta Bank's Ad Placement, Meta Bank and Banks like it are the source of the bad economy - stop talking about any politician at any point in history, META BANK bilks their customer base, Meta Bank charges customers for spending their own money, META BANK doesn’t serve the general public, Meta Bank is nothing but a publicity scam, Meta Bank operates using many different names, Meta Bank Scams Americans, Meta Bank sells VISA and Mastercard Pre-Paid Cards, META FINANCIAL GROUP INC, META FINANCIAL GROUP INC fails to address customers' real needs, META FINANCIAL GROUP INC is by design created to make money for their CEOs, META FINANCIAL GROUP INC pushes blame off onto their customers for their own design issues and internal operating problems, METABANK, METABANK average employees earn wages below the poverty level, METABANK causes the late fees for customers, METABANK CEOs create and require all of the rules, METABANK CEOs make huge annual incomes, METABANK customers are still being scammed, METABANK customers are still complaining about the abuse they have received from METABANK, METABANK Customers complain about METABANK's mistreatment, METABANK designed the prepaid bank cards, METABANK is a collections agency, METABANK is a collections agency and not a bank, METABANK is a piece of crap, MetaBank is corrupt, METABANK operates using many different names, METABANK practices are dragging the economy down, METABANK uses false awards- false testimonials, METABANK uses the rules for their own gain, METABANK's practices are narcissitic, METABANK's PREPAID CARD, METABANK's publicity is a lie and filled with false promises, METABANK's publicity says that their prepaid card will meet your specific needs but in reality they are the exact same card just using different publicitty, metabank.com, More behind META BANK's scam than we may have previously realized, Narcissism of Storm Lake IOWA, Narcissistic practices found to be within METABANK's operation, NBPCA is a scam on the American public, Netspend/Meta Bank makes life miserable, Nothing and no one has yet been able to put a stop to META BANK's scam, Ordinary customers can't get the METABANK PREPAID CARD TO SERVE THEIR NEEDS, outrageous banking practices, outrageous practices related to Prepaid Cards, Outrageous practices within MetaBank, payment cards that carry hefty costs, Payment Solutions with Serious Problems, Payment Systems, Please help to stop the immoral banking practices of META BANK, Pre-paid Bank Cards don't work, Predatory Practices of BankMeta.com, PREPAID CARDS are not adequately regulated, PREPAID CARDS are not consumer friendly, PREPAID CARDS promoted by METABANK, PREPAID DEBIT CARDS, PrePaid Name Brand Bank Card Association a non-profit is a scam, Protecting Your Customer Base, Respect Consumers, Rules Designed BY METABANK for the benefit of METABANK, Scams by banks like METABANK, seek revenue growth for themselves not you the customer, self-centered, self-motivated, self-serving, Stay Out of Debt, Stay out of debt- don't get loans to pay off loans, Staying Competitive at What Expense, Steve King (R-IA) received large campaign donation from James S. Haahr of Meta Bank, Stop Meta Bank, Storm Lake IOWA, Success shouldn't be about profits - People mattter, Suspicious Activity is within Meta Bank's internal practices and policies, Terrorism within the USA, The U.S. Department of Education called the charging of such fees "unallowable" in guidance to financial aid officers issued last month., This is not a sustainable pattern for the US Economy., Thrift Bank - the concept is a scam, through secretive deals and sometimes in apparent violation of federal law, Tricked by METABANK's publicity, Truth, Two problems found in METABANK's "No Credit Check" Cards, unbanked, Usury, We are all vulnerable to predatory practices of banks like METABANK, What were Meta Bank's supervisors and internal auditors doing? Did they even exist? Why doesn't Meta Bank's Higher Ups ever know anything and have to push the blame around all the time?, Where There Is Smoke There Is Fire, Why does METABANK lie to their own customers?, You may be dealing with Meta Bank under a different name
Tagged , , , , , , , , , , , , , , , ,

Posted by mrnd5 on October 27, 2013

https://mrnd5.wordpress.com/2013/10/27/when-your-boss-asks-you-to-do-work-that-you-perceive-to-be-immoral/

Solving Customer’s Problems Should Be of the Foremost Importance…. METABANK abused us while we were their customer

Customer Service Solves Problems To Create Loyal Clients

but NOT SO at METABANK

Make it easy for frustrated customers to contact you, get problems solved. You’ll create loyal clients.

In the past 30 days, I canceled service with three companies I’ve used for years.

Customer service was the reason. It was that bad.

 

But I kept my business with another company even though its actual service keeps messing up. That business’ customer service is that good.

Customer-service representatives are everywhere. Anyone with a phone, TV, computer, coffee maker, credit card or insurance; or who buys subscription services or makeup from shady companies advertising on TV has dealings with them.

And let’s not forget about business-to-business customer-service reps. [This is part of how METABANK performs their scam.]

Their numbers are growing by the minute. The Bureau of Labor Statistics predicts the profession will expand 15.5% through 2020.

Call centers alone had almost 23,000 vacant jobs, more than a third listed in the past week, according to CallCenterCrossing, which calls itself the largest collection of call-center jobs. The company cites the health care law, holiday season and general economic expansion as the chief reasons for a rise in call-center hiring.

As long as companies offer things to buy and services to use, folks will need help.

[Customers have over a period of many years now indicated that METABANK and its affiliates, including the Network Branded Bank Card Association, fail when it comes to customer service. We, as former METABANK customers/clients believe, based on our own personal experience using METABANK et al., that METABANK by design treats their customers in an abusive manner. We have been scammed and lied to. We have been treated in an inhumane manner.

METABANK does not offer any kind of model that should be used as a guideline by any other entity…. METABANK relies on numbers and the population is growing rapidly.

METABANK relies on getting partner corporate entities to market their prepaid bank card  a relationship which is in fact one that will increase the rate of decline of that partner company. At first the partner company will experience an initial  spurt that may appear to be great and fabulous; this is the honeymoon, but it is a marriage that is doomed by design. METABANK only wants their partner companies’ list of customers whom METABANK will use for their own financial gain.

In establishing this partnership, METABANK promises to take care of all the collections for their partner. Collections is the dirtiest of dirty work so the partner company is happy to hand over this part of the operation to METABANK. METABANK, as we former customers have found, has an abusive customer service system by design.

When METABANK’s customer serivice representatives basically went through a list of standard lies they had been handed to use for all situation; the lies serve to blame the customer for the problems the customer had encountered using METABANK. However, by design, METABANK created a prepaid bank card which customers load with cash money, and then METABANK limits and controls when and even if a customer will be able to have access to their own money…. This scheme is predatory. It is based upon false and misleading promises.

METABANK is by design immoral. Only consumers can speak up to warn others so that METABANK can be stopped from doing this great scam on the people.]

Companies claim to know how important these front-line jobs are. They say they strive for a “customer-first mindset,” “transparency and accountability,” “positive customer relationships” and “consistent and efficient delivery of superior customer service.”

So why don’t more customer-service reps deliver? Is it the company or the employees?

Likely both.

Workers tell me they want these jobs because they like people. Yet too many companies do everything they can to not let their people talk to us.

Finding contact information can be like a game of hide-and-seek.

Some refuse to talk to you. Take Twitter: [This isn’t a model anyone should follow!!!!!]

My account has had a problem for four months. I’ve obediently followed Twitter’s directions and sent in a dozen requests for help.

I’m still waiting for an answer.

On the other hand, companies such as crowdSPRING help businesses and creative talent find each other and make it easy for customers to communicate with them.

[This concept is an old one that worked. It worked very well. This is what we as consumers expect, but this is not at all what METABANK provides. METABANK uses this concept to catch consumers and their partner companies off guard so that METABANK can get their foot in the door. What META BANK does is an IMMORAL ACT.]

This company posts its phone number on every page of its site. No doubt this springs from the philosophy of co-founder Mike Samson who tells his reps that the spoken word is better than the written word, to say “please” and “thank you” and always end with “much obliged.”

 

People who get into customer service tell me they love to solve problems.

Yet “I can’t help you with that” are the last words that a lot of people hear from a customer-service rep.

  • Those workers either don’t know how to think like a problem solver or don’t think they have the authority to help.
  • Some customer-service reps are plain mean. The other day I asked a one that I could barely hear if she might speak a little louder.   She snapped, “No, I can’t scream.”
  • When you keep getting bad customer service, you wonder why companies keep sending surveys asking how your customer-service experience went.
  • I also often wonder why companies insist that customer-service reps speak canned faux caring phrases like “Have a nice day” after they’ve been mean and obstructive.

Chief Operating Officer Zach Cusimano of Bizness Apps, which makes mobile apps for companies, says his business doesn’t coach reps to use particular phrases.

Company officials do encourage them to “throw in some love” and foster more interactions by saying, “I’m happy to help,” “Please let me know if you have any other questions,” and “Looking forward to hearing from you again.”

[However, if these statements are nothing but empty words with no real response and no action behind them then they are useless. It is our strong impression as former METABANK customers that the CEOs of METABANK have created all of the guidelines, which include a list of rote excuses for why it is always the customers’ fault for any problems they may have encountered. METABANK creates the problems by which they get rich and then richer; METABANK breaks with every expectation that any person would normally expect.

METABANK creates all the rules and retains the right to change all of the rules without notice. This is bad, but on top of that METABANK takes customer’s money and keeps us/them from having access to their own money while using the NETWORK BRANDED PREPAID BANK CARD.

The NETWORK BRANDED PREPAID BANK CARD amounts to being an interest free loan from customers to a very rich bank. The whole concept has been reversed. Potential customers are mislead into taking on such a card by the partner company who is in effect being used as a “PATSY” in this dynamic triangle of abuse of the consumer.]

I contend that more people would like their customer-service jobs and customers would be happier if they did what Jesse Richardson does.

“We love our customers,” Richardson says. She is conscious community officer for Conscious Box, a subscription service for eco-friendly products.

Seriously.

If you want a satisfying career helping solve problems for people who are frustrated, confused and sometimes angry, care for them no matter what.

Find a great company that values them and you.

In the 25 years I’ve counseled people with their careers, most tell me one thing: I want to be of service to others. Here’s your chance.

[As former customers of METABANK we had expected this kind of treatment, but METABANK and the NETWORK BRANDED PREPAID CARD ASSOCIATION act in a predatory manner so that they abuse their customers, only to move onto the next  person so they can dupe that person. The huge size of our population is how METABANK has been able to get away with this kind of scam for as long as they have. Only you can stop this kind of a scam.]

Career consultant Andrea Kay is the author of This Is How To Get Your Next Job: An Inside Look at What Employers Really Want.

Leave a comment
by mrnd5 on October 27, 2013  •  Permalink
Posted in Access Sought To Your Company's Customer List, 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 Publicity that is simply "Garbage Talk", Bank Reform and Proper Regulations are Needed, BANK REFORMS NEEDED TO BE CAREFULLY REGULATED, Bank Regulations must be enforced, Bank regulators shut down MetaBank payday loans, Bank Scams go international, Bank Tellers at MetaBank earn wages on the average that are below the poverty level, Banking, banking in Storm Lake IOWA, Banking in the USA in 2013, BankMeta lies to keep customers from their own money, bankmeta.com, Banks are creating economic servitude in the USA, 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, Big Corporations and Banks run the world, Complaints Against Meta Bank, Consumers act to protect themselves and others from further bank fraud and customer abuses, Consumers being forced to use plastic, Consumers Demand Bank Reforms That Serve Their Real Needs, Consumers must speak out, 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, 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, Customers of METABANK continue to complain about how they have been mistreated by METABANK, Customers' Scammed Repeatedly 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 use PREPAID BANK CARDS of any kind, fees required to talk by phone to NETSPEND, Fight Corruption, Financial Regulatory Reforms Needed, 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, Internal Audit Committee at Meta Bank, Internal Audits not able to cope with problems related to prepaid bank cards, J. Tyler Haahr, Just Curious About Meta Bank's Ad Placement, META BANK bilks their customer base, Meta Bank charges customers for spending their own money, Meta Bank denied one man his right to a fair and impartial trial. What kind of a world citizen is Meta Bank? We are tired of fighting the wars that Meta Bank causes., META BANK doesn’t serve the general public, Meta Bank is nothing but a publicity scam, Meta Bank never accepts responsibility, Meta Bank operates using many different names, META BANK same poor service as always, Meta Bank Scams Americans, Meta Bank sells VISA and Mastercard Pre-Paid Cards, META BANK: Creating all the rules in their own favor, META FINANCIAL GROUP INC fails to address customers' real needs, META FINANCIAL GROUP INC pushes blame off onto their customers for their own design issues and internal operating problems, METABANK =TURBOTAX and both are scams, METABANK as the alpha baboon in our society, METABANK average employees earn wages below the poverty level, METABANK causes the late fees for customers, METABANK CEOs create and require all of the rules, METABANK CEOs make huge annual incomes, METABANK customers are still being scammed, METABANK Customers complain about METABANK's mistreatment, METABANK fails to hear and to respond appropriately to customer's real needs, METABANK is a collections agency, METABANK is a collections agency and not a bank, METABANK is a piece of crap, MetaBank is corrupt, METABANK lies to their own customers, METABANK operates using many different names, METABANK practices are dragging the economy down, METABANK uses false awards- false testimonials, METABANK's partner company provides METABANK with access to their customer base, METABANK's practices are narcissitic, METABANK's publicity says that their prepaid card will meet your specific needs but in reality they are the exact same card just using different publicitty, Narcissism of Storm Lake IOWA, NBPCA is a scam on the American public, Ordinary customers can't get the METABANK PREPAID CARD TO SERVE THEIR NEEDS, payment cards that carry hefty costs, Payment Solutions with Serious Problems, Payment Systems, PayPower Scam, PayPower Visa by META BANK, Pre-paid Bank Cards don't work, Predatory Practices of BankMeta.com, PrePaid Bank Cards bad for consumers, PREPAID CARDS are not consumer friendly, PREPAID CARDS promoted by METABANK, Real Customer Service Builds a Genuine Customer Base, Rules Designed BY METABANK for the benefit of METABANK, Scams by banks like METABANK, Staying Competitive at What Expense, Success shouldn't be about profits - People mattter, Suspicious Activity is within Meta Bank's internal practices and policies, Terrorism within the USA, The cards and accounts are marketed aggressively using college letterhead and websites carrying the endorsement of colleges., This is not a sustainable pattern for the US Economy., Thrift Bank - the concept is a scam, to fee-paying students, travel card, Tricked by METABANK's publicity, Two problems found in METABANK's "No Credit Check" Cards, unbanked, Usury, We are all vulnerable to predatory practices of banks like METABANK, Western Union and MetaBank have joined forces, Where There Is Smoke There Is Fire
Tagged , , , , , , , , , , , , ,

Posted by mrnd5 on October 27, 2013

https://mrnd5.wordpress.com/2013/10/27/solving-customers-problems-should-be-of-the-foremost-importance-metabank-abused-us-while-we-were-their-customer/

Meta Bank offers Visa Prepaid Cards – A Warning to Potential Partner’s of Meta Bank

Visa Prepaid Card Programs

Need more Information?

Call 1-877-xxx-xxxx to speak with a sales representative.

There are many different categories for prepaid card programs.

[Meta Bank only really offers one product. Meta Bank uses many different names and diverse marketing techniques, but the product is always the same. Meta Bank is a collections agency and they are designed to operate as a strong arm collection agency. Your customer base will be driven away by how Meta Bank abuses them.]

We will work with you to tailor a custom prepaid card solution to meet your company’s needs.

[Meta Bank excels in marketing. We have observed that Meta Bank basically courts other companies’ CEOs promising to address that partner company’s real needs, but META BANK is like  “a wolf in sheep’s clothing”; Meta Bank will promise you and your company greater profits. At first, your bottom line may improve, but offended long term customers will discontinue to do business with you in the long haul. There is nothing new about what Meta Bank does but you will be led to believe that Meta Bank will improve your bottom line. It is a marketing gimmick that will appear to work at first, and then it will fail in the long term. META BANK is using your list of customer’s for their own financial gain; important data will be kept from you.  We have seen this before] 

We have broken down some of the more popular prepaid program types below.

Employee Rewards

When setting up a prepaid employee rewards program it is important to identify the goals the program is supposed to achieve, the determination of appropriate rewards and how the program will be communicated to your employees. We can provide you with a prepaid solution to fit your unique needs.

  • Employee Incentive & Recognition

[ Meta Bank uses this to get your employees to push their prepaid cards. Many consumers have complained about the horrible customer service they have gotten from META BANK.]

  • Sales Incentives

[The actual rewards for the income that META BANK CEOs will make is insignificant for the employees.]

  • Health & Wellness Programs  

[ This is a new kink and marketing gimmick by META BANK, but it actually highlights that the Affordable Health Care Act is greatly needed.]

  • Safety Programs

[ OSHA is still in place.]

Customer Incentives

Engage existing customers and draw in new ones with a prepaid customer incentive program. An effective customer incentive program will increase purchase frequency and provide unique customer data that can add valuable insight into the behavior of your customers.

[This is publicity and marketing. Customers are complaining about this product and how they have been treated.]

  • Customer Loyalty

[ Do not confuse “Customer Loyalty will real and improved customer service, but with gimmicks that will eventually put the partner company out of business.]

  • Customer Retention

[ The loyalty cards are designed to keep customers coming back to the same store. Every competitor is offering the same gimmick now. This idea has already reached its limits and full potential; customer retention on the long term will only work if it is based on quality customer service…. META BANK will never be able to provide you as their partner with anything but a fierce collections system based on lying to your existing customers. META BANK will destroy any sense of trust that you may have previously provided by way of service.]

  • Referral Programs

[MetaBank gets other corporate entities to market their cards]

  • Promotions

[These “Promotions” are also gimmicky ways to get your employees to sell the MetaBank product. As Meta Bank customers, we have found their customer service to be abusive and predatory. Partner companies will end up losing customers over the long haul.]

Cards are issued by MetaBank TM, Member FDIC, pursuant

to a license from Visa U.S.A. Inc.

NOTE: If you have a problem using a VISA product that is offered by META BANK and you write to tell VISA that you are having a problem with their product, VISA will refer you back to META BANK and then META BANK’s Customer Abuse will begin in all earnest. Your life will become miserable. This was our experience using a VISA META BANK PREPAID CARD.

Leave a comment
by mrnd5 on October 13, 2013  •  Permalink
Posted in Avoid This Service, Bank Reform and Proper Regulations are Needed, BANK REFORMS NEEDED TO BE CAREFULLY REGULATED, Bank Regulations must be enforced, Bank regulators shut down MetaBank payday loans, Banking, Banks are creating economic servitude in the USA, Banks have created all the rules for PREPAID CARDS, being manipulated, Big Corporations and Banks run the world, but it is still Meta Bank's same service and poor quality, Complaints Against Meta Bank, Consumer Advocate, Consumer Alert, Consumer Rights Advocacy, 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 must speak out, Consumers suffer at the hands of METABANK, Corrupt Practices found within METABANK, Customer Complaints Abound Regarding how METABANK treats them., Customer Loyalty, Customer Loyalty Program, Customer Service at METABANK.com, Customer Service isn't listed as being one of META FINANCIAL GROUP INC areas of interest or studied skills, Customers of METABANK continue to complain about how they have been mistreated by METABANK, Customers' Scammed Repeatedly By METABANK, Disabled Veteran abused by METABANK, Do not give up control of your own money by using a prepaid card, Don't Invest in META BANK, Don't use PREPAID BANK CARDS of any kind, fast paced banking systems, fees required to talk by phone to NETSPEND, Fight Corruption, Financial Regulatory Reforms Needed, Getting by in a tough economy, Gift Cards May be Suspended After Purchase and without notice, Human Rights, Integrity, Internal Audits not able to cope with problems related to prepaid bank cards, Just Curious About Meta Bank's Ad Placement, Meta Bank and Banks like it are the source of the bad economy - stop talking about any politician at any point in history, META BANK bilks their customer base, Meta Bank charges customers for spending their own money, Meta Bank is nothing but a publicity scam, Meta Bank never accepts responsibility, Meta Bank operates using many different names, META BANK same poor service as always, Meta Bank Scams Americans, Meta Bank sells VISA and Mastercard Pre-Paid Cards, METABANK CEOs make huge annual incomes, METABANK customers are still complaining about the abuse they have received from METABANK, METABANK Customers complain about METABANK's mistreatment, METABANK designed the prepaid bank cards, METABANK lies to their own customers, METABANK practices are dragging the economy down, METABANK PREPAID CARD, METABANK uses false awards- false testimonials, METABANK's partner company provides METABANK with access to their customer base, METABANK's practices are narcissitic, METABANK's publicity is a lie and filled with false promises, METABANK's publicity says that their prepaid card will meet your specific needs but in reality they are the exact same card just using different publicitty, Ordinary customers can't get the METABANK PREPAID CARD TO SERVE THEIR NEEDS, payment cards that carry hefty costs, Payment Systems, PREPAID BANK CARD FRAUDULENT PRACTICES, Publicity or Factual, rebate cards, Respect Consumers, Rules Designed BY METABANK for the benefit of METABANK, seek revenue growth for themselves not you the customer, Staying Competitive at What Expense, Stop Meta Bank, Storm Lake IOWA, Suspicious Activity is within Meta Bank's internal practices and policies, This is not a sustainable pattern for the US Economy., Thrift Bank - the concept is a scam, Tricked by METABANK's publicity, Two problems found in METABANK's "No Credit Check" Cards, Usury, We are all vulnerable to predatory practices of banks like METABANK, Why does METABANK lie to their own customers?, You may be dealing with Meta Bank under a different name
Tagged , , , , , , , , , , , ,

Posted by mrnd5 on October 13, 2013

https://mrnd5.wordpress.com/2013/10/13/meta-bank-offers-visa-prepaid-cards-a-warning-to-potential-partners-of-meta-bank/

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

Leave a comment
by mrnd5 on April 30, 2013  •  Permalink
Posted in Bank Card Tax Refunds are an interest free loan to a bank, Bank Card Tax Refunds Fails Consumers, Banks are creating economic servitude in the USA, Consumers are Vulnerable: Help each other, Consumers being forced to use plastic, Consumers Demand Bank Reforms That Serve Their Real Needs, Consumers must speak out, 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 of METABANK, Do not give up control of your own money by using a prepaid card, Don't Invest in META BANK, Don't pay using a debit card, Don't use PREPAID BANK CARDS of any kind, Economic Servitude needs to be studied and abolished in the USA, fast paced banking systems, fees required to talk by phone to NETSPEND, Financial Regulatory Reforms Needed, Gift Cards are an interest free loan to an unknown bank, Gift Cards May be Suspended After Purchase and without notice, NETSPEND is METABANK, NETSPEND scams consumer
Tagged , , , , , , , , , , , , , , , , ,

Posted by mrnd5 on April 30, 2013

https://mrnd5.wordpress.com/2013/04/30/netspend-turbo-tax-and-metabank-fail-consumers/

Staying Out of Debt….Ignore Your Wants and Respond to Your Needs

 

Staying Out of Debt

– Ignore Your Wants and Respond to Your Needs

Written by Clair Schwan on April 8, 2012 · 4 Comments

One of the biggest hoaxes we play on ourselves is seeing something we want and dressing it up as a need. If you asked people who are in debt to identify the single largest cause of their indebtedness, you’ll probably learn that most people have spent excessive amounts of money on discretionary purchases instead of their needs.

Getting what we desire is powerful, and we all want to feel powerful. The trick is not to be fooled by our desires, and find the power in being financially responsible.

If we were to make a list of common discretionary spending, it would be a simple matter. Let’s give it a try.

  • new car and multiple cars
  • recreational vehicles
  • vacations
  • bigger house
  • meals out
  • entertainment
  • extensive wardrobe
  • big boy toys
  • gadgets

This list probably contains many of the most obvious and largest of discretionary expenses, but there are others that are less conspicuous. They’re less conspicuous because they tend to pile up on us without presenting themselves right in our face. Here are some examples.

  • unlimited cell phone plans
  • cable and pay-per-view TV
  • failure to conserve energy
  • addictions
  • unnecessary trips in a vehicle

What you’ll notice about this list, is it contains smaller expenses that are recurring. It’s not the cost of each item that hurts you financially, it’s the idea that they don’t go away – they keep coming back to haunt you, repeatedly. It’s that repeatedly that starts to add up to big bucks.

Living Within Our Means

If you’re going to stay out of debt, you have to live within your means, and the two best ways of doing it are to eliminate the large discretionary purchases and carefully restrict the recurring discretionary purchases. The key is to identify a want versus a need.

To sort out between the two, perhaps a definition would be helpful. Here are a couple of suggestions:

Need – something essential for basic security, safety, health, income, comfort and well-being, often having a true sense of urgency. In other words, if you don’t have it, you’re putting yourself at risk in the near term.

Want – nonessential items, services and activities that are appealing, yet don’t serve an immediate need for one’s well-being. In other words, if you go without it, you’ll be just fine, now and in the foreseeable future.

Here are some examples that I’m familiar with:

  • Larry wants a new car; but what he really needs is just a little maintenance and a new set of tires on the one he has.
  • Jim wants unlimited cell phone service so he can talk, text, play games and keep himself entertained; but what he really needs is a basic plan that meets his needs for essential communication.
  • Julie wants a new refrigerator; but what she really needs is a service call to replace a failed timer, sensor or control board on the one she has.
  • Clark wants a nice long vacation in some far away place; but what he really needs is to enjoy his business travels as though they were mini-vacations.
  • Kim wants to go out for dinner several times a week; but what she really needs is to prepare meals at home.
  • Lance wants a big flat screen TV; but what he really needs is to limit his consumption of television and be happy with the 20 inch traditional TV he has.

Understanding Your Limitations

Clint Eastwood played Inspector Callahan in the Dirty Harry movie series, and he was fond of saying, “A man’s got to know his limitations.” The same thing applies when we’re considering what we want and what we need. It’s okay to spend money on wants, but you need to understand your limitations. It’s when we go bananas that we fall into the trap of debt. There’s no problem with buying things you like and want. The problem comes when we disguise them in a sense of urgency and call them needs. When you find yourself saying, “Wow, that’s cool,” you’re probably looking at something that qualifies as a discretionary purchase.

Be Tough or be Tethered

My philosophy is to live well within my means. It doesn’t make any sense to me to expend all of my income and live with my nose just above the financial waters. I like some breathing room. It gives me peace of mind. You never know when the waters are going to get rough for a while. That requires being tough. My former track coach called that mental toughness. You’re not going to hurt yourself or go to your grave feeling deprived because you didn’t get to eat out often enough. Hang tough, be tough, and you’ll reap the rewards of being financially responsible.

The alternative is to be tethered to the mortgage company, the credit card company, the oil company that issued you a credit card, or perhaps the finance company where you make your car payments. Being tethered is no fun. What’s much more enjoyable is financial freedom. I chuckle at the bumper sticker I see when in traffic every now and then, it says, “I owe, I owe, so off to work I go.” Now, there’s a person who understands that they’re tethered. I have never put a bumper sticker on my car, but if I did, it might say, “Financial freedom is self-imposed, so is financial slavery.” [Except that METABANK lies and makes empty promises which makes them predatory… This is a caution notice: DO NOT BECOME A CUSTOMER OF METABANK]

Choices

Our lives are largely about choices, and like it or not, we are our own life manager. Sometimes we make good choices and sometimes we make bad choices. At other times, we allow others to choose for us, and sometimes we refuse to make a choice at all. But, when it comes to spending money, don’t fool yourself, it’s all about choices that you make. No matter who “twists your arm” or cajoles you into it, you are the one who makes the spending decisions when it comes to your money. The key to making wise choices is to understand the difference between want and need, and make a wise choice based on your understanding of what you would like your financial condition to be.

Choose wisely in favor of need instead of desire, for your choices will have long and far-reaching consequences. If you don’t believe me, just  ask anyone who is deep in debt.

 

http://www.enemyofdebt.com/2012/04/staying-out-of-debt-ignore-your-wants-and-respond-to-your-needs/

 

4 Responses to “Staying Out of Debt – Ignore Your Wants and Respond to Your Needs”

 

  1. Kurt  says:
    April 9, 2012 at 9:54 pm

    Awesome, no nonsense, straight talk that I’ve come to expect on Enemy of Debt. I will share this great material with my followers. Thanks.

  2. Darren E says:
    April 11, 2012 at 2:46 am

    Great advice; I totally agree with living within your means part. What’s better is living below your means! If you ever switch to a lower paying job, it’ll be easier on the wallet because your lifestyle is the same :)

  3. Jennifer from Credit Karma says:
    April 11, 2012 at 8:43 pm

    Great post, Clair! Such a simple concept but I think one that many people need to be reminded of. I especially loved these two sentences: “There’s no problem with buying things you like and want. The problem comes when we disguise them in a sense of urgency and call them needs.” – such an insightful thought!

  4. Clair Schwan says:
    April 17, 2012 at 10:41 am

    The bottom line is we’re in charge and we’re the ones who define what a need is versus a want. We’re either our own worst enemy, our own best friend, or something in between. As my neighbor likes to say, the one who is responsible for my situation is generally the individual in the mirror who watches me shave each morning. How true!

Leave a comment
by mrnd5 on February 19, 2013  •  Permalink
Posted in Accountability, Advocate for your needs and concerns as a consumer, Annual Income of META BANK's CEOs, Bank Publicity that is simply "Garbage Talk", Bank Reform and Proper Regulations are Needed, Bank regulators shut down MetaBank payday loans, BankMeta lies to keep customers from their own money, bankmeta.com, 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, being manipulated, Big Corporations and Banks run the world, Complaints Against Meta Bank, Consumer Advocate, Consumer Alert, 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 must speak out, 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, 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, Do not give up control of your own money by using a prepaid card, Put yourself in charge of your own finances
Tagged , , , , , , , , , , , ,

Posted by mrnd5 on February 19, 2013

https://mrnd5.wordpress.com/2013/02/19/staying-out-of-debt-ignore-your-wants-and-respond-to-your-needs/

METABANK.com is abusing a disabled American Veteran

paypower

  • Submitted: Friday, January 18, 2013
  • Posted: Friday, January 18, 2013
  • Reported By: iwantmymoney — Washington United States of America
paypower

5918 Stoneridge Mall Road

Pleasanton California
United States of America
  • Phone: 1 (888) 633-9432
  • Web: www.paypower.com
  • Category: Credit & Debt Services

paypower black hawk,

pay power visa,

metabank Holding and profitting off a disabled veteran’s benefits!!!!!

Pleasanton, California

i ordered a pay power visa card to get my government benefits on, i am a disabled veteran and i receive va comp and pen.

METABANK bilking disabled American Veteran out of his VA benefits…. This needs to be stopped completely and totally forever. GIVE THAT DISABLED AMERICAN VETERAN FULL ACCESS TO HIS OWN MONEY, ALL OF IT, RIGHT NOW!!!

METABANK cannot keep doing this same old scam over and over again.

ONLY CONSUMERS CAN WORK TO GET METABANK STOPPED ONCE AND FOR ALL…. contact every elected official at every level of government and get this stopped now, right now

AMERICAN CONSUMERS HAVE HAD ENOUGH!!!!

HERE IS THIS DISABLED AMERICAN VETERAN’S STORY:

I set up and got my first direct deposit i needed to get a sizable amount of cash off my card but the ATM and bank limit were only 500 per day each i called customer service and asked how i could get more cash and the only way was to get cash back after making purchases, well i made multiple purchases and this apparently flagged risk department and they blocked my card because they felt i was using my card to much… [ This is the gimmick that makes METABANK CEO’s rich and then richer]
i called and got someone who couldn’t help me they had no contact info for someone who could

i had to wait for someone to call me back 24 to 48 hours, i also emailed multiple other company email addresses and never to this day got a response via email but i finallyi got a call back days later(more than two) and i was grilled rudely about how i was using my card and why, and i was told to send in a bunch of info to verify my identity and they’d be able to decide if they would take the hold off the account, on top of the verification of my identity they wanted documents about my deposit where it came from and why i was getting it… [ This is part of the METABANK scam technique. Pay careful attention! The guy, a disabled Veteran can’t access his own money and then METABANK works a scam that pushes the blame off of them, and nothing is done to help the customer access their own money.]i am a disabled veteran they knew the deposit came from the treasury and from the VA but okay i sent in everything they asked for and some. [ This will be a steady source of income for METABANK and why they do this scam. Yes, it is narcissistic and really sick, but METABANK’s perception of reality is skewed and a bit paranoid… In the end all that matters to METABANK is that they make more money for their CEOs. METABANK doesn’t care about humanity and apparently feels no form of empathy with the people they scam continually.]
Including letters from the VA stating why i get my compensation, how much it is, where it was sent to when i began receiving it and why information that i would only have access to including my military service info but they would not take the block off my card nor send me my money.
I sent my id and my ssc on top of utility bill and all this other info that also included my address and ssn… but they state that ALL OF THIS did not verify the info they want to verify and until they get that my account will stay blocked. [ We experienced a similar form of treatment by METABANK, but how this guy is being treated may be worse… METABANK has gotten worse, not better customer service!!!!]i asked what else i could possibly send them and they said nothing. so what the hell does that mean?
[METABANK must be stopped! This is gross and abusive treatment of a disabled American Veteran!!!!!]
they can keep my money forever??
how can they get away with this crap?  [I wonder that too????]
they refuse to send me my money which is over 4000.00!!! [ METABANK is getting an interest free loan. This was their plan from the start..]
and they say they will do nothing about it… so my money just gets to sit there until there stupid monthly fee eats it all up?? [ That is the idea and why we believe that METABANK’s practices are unscrupulous…. Please complain to the Veteran’s Administration in writing.]
BS. I tried to go through the VA to get it but since i spent some of the money they cannot get the deposit back.[METABANK creates and administers all of the rules…. This truly is a scam!!!!]
i swear what they are doing is completely illegal. [ It is unscrupulous and immoral what METABANK does over and over again.]not to mention its BS that you have to call one number and talk to people that don’t know what they are talking about and then have to wait over 2 days for a phone call back from someone else that doesn’t really care about your issue.[ This is why we hate METABANK. It is a set up to defraud honest people out of their own hard earned cash money.]
i provided everything they asked for and some this is bull sh… and i want my money back. [ You really should get all of your money and then some for the grief and pain you have had to go through with METABANK.]
There will be a class action against them… and i cant wait. i want my 4200.00 plus suffering, losing my house and everything else because of their practices. i understand security but this company is definitely a scam!
Yes, METABANK is a scam and we want them stopped everywhere and in every capacity. This is a gross miscarriage of justice. Reading this story which is unfortunately a lot like mine and that of others leaves me feeling sick that we have not yet been able to get these kinds of practices, bold miscarriages of justice and blatant abuse of customers.

God, help this disabled veteran

God, seek justice for all those people that METABANK has abused in such horrendous ways.

God, please help us and spare us from such adversity as we, so many of us now, have experienced already at the hands of METABANK.

God, in your mercy, put an end to this kind of abuse of good people.

Leave a comment
by mrnd5 on January 31, 2013  •  Permalink
Posted in Annual Income of META BANK's CEOs, Banking in the USA in 2013, bankmeta.com, 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, business professionals, Complaints Against Meta Bank, conservative banking, Consumer Advocate, Consumer Alert, Consumer Rights Advocacy, Consumers align to protect yourselves, Consumers Demand Bank Reforms That Serve Their Real Needs, Consumers Join Forces to Protect Each Other from Bank Scams and Frauds, Consumers must speak out, Consumers suffer at the hands of METABANK, Corrupt Practices found within METABANK, Customer Service at METABANK.com, Customers of METABANK continue to complain about how they have been mistreated by METABANK, Cutting-edge technology, Disabled Veteran abused by METABANK, Economic Servitude needs to be studied and abolished in the USA, End Overdraft Fees, fast paced, fast paced banking systems, Financial Industry, http://wwwbankmetacom/Contact, information systems, innovative banking practices, Integrity, Internal Audit Committee at Meta Bank, J. Tyler Haahr, Meta Bank, META BANK doesn’t serve the general public, Meta Bank Scams Americans, META BANK: Creating all the rules in their own favor, META FINANCIAL GROUP INC, META FINANCIAL GROUP INC pushes blame off onto their customers for their own design issues and internal operating problems, METABANK causes the late fees for customers, METABANK CEOs create and require all of the rules, METABANK CEOs make huge annual incomes, METABANK customers are still being scammed, METABANK designed the prepaid bank cards, METABANK is a collections agency and not a bank, MetaBank is corrupt, METABANK practices are dragging the economy down, METABANK uses both Pyramid and Ponzi Schemes, METABANK uses false awards- false testimonials, METABANK uses shills- stooges to market their product, METABANK's partner company provides METABANK with access to their customer base, METABANK's practices are narcissitic, metabank.com
Tagged , , , , , , , , , , ,

Posted by mrnd5 on January 31, 2013

https://mrnd5.wordpress.com/2013/01/31/metabank-com-abusing-a-disabled-american-veteran/

« Older Posts