All posts in category META BANK doesn’t serve the general public

Permissiveness of US Laws on Lobbying and Campaign Financing and the Major Problems that go Hand in Hand With That

The Spread of Oligarchy; The Distribution of Assets;

Who Controls Your Money

The ultra-rich are world’s new dictators

Democracy at risk as oligarchy spreads

Oct. 26, 2013 9:26 PM / ASSOCIATED PRESS

Written by Christian Caryl

Foreign Policy

Caryl, the editor of Democracy Lab, is a senior fellow at the Legatum Institute and a contributing editor at Foreign Policy. He is also the author of “Strange Rebels: 1979 and the Birth of the 21st Century.”

WASHINGTON — Earlier this month, the investment bank Credit Suisse published its annual survey of global wealth. The bank’s report is filled with illuminating findings, but one in particular caught my eye. It has to do with the distribution of assets in Russia, where, as the report notes, a mere 110 people own a mind-boggling 35 percent of the country’s entire wealth. At the same time, 93.7 percent of Russians are worth $10,000 or less.

As the report notes, this makes Russia the country with the greatest wealth disparities in the world. Americans, who are now increasingly concerned about deepening inequality in their own country, might seek some consolation from this dismal conclusion.

Even under present circumstances, wealth in the United States is still spread a lot more evenly than that.

Things could be worse, right?

Well, maybe. But I see little cause for jubilation. Russia is merely the most extreme case of a worldwide trend that potentially represents one of the greatest threats that democracy faces today: the spread of oligarchy.

The problem isn’t just that some people in today’s world are fabulously rich. It’s that disproportionate wealth increasingly goes along with disproportionate power.

Russia, again, offers a textbook example of the dangers. Back in the 1990s, a handful of politically well-connected business tycoons managed to profit from their close relations with Boris Yeltsin’s Kremlin by taking advantage of the privatization of the country’s industrial jewels — above all its vast oil wealth. Those magnates weren’t shy about exploiting their economic power to political ends. They bankrolled Yeltsin’s re-election as president in 1996, controlled ministerial appointments, and dictated government policy. No wonder these businessmen-cum-politicians were soon dubbed the “oligarchs.”

(”Oligarchy” is Greek for “government of the few.”)

One of them, the recently deceased, arch-Machiavellian Boris Berezovsky, engineered the rise of an ex-KGB officer to the prime ministership. Vladimir Putin ultimately proved less than grateful, though. Once Putin became president in his own stead, he was quick to cut his erstwhile patron down to size, forcing Berezvosky into exile.

Putin curtailed the power of other Yeltsin-era tycoons, too (most notably Mikhail Khodorkovsky, who now marks his 10th year of imprisonment in a labor camp), but in their place he raised up a new group of businessmen — many with ties to the old Soviet security services — who owed their fortunes to him. One of them, another KGB alumnus named Igor Sechin, who heads the country’s largest oil company, is regarded by some as the second-most powerful man after Putin himself.

But this isn’t only Russia’s problem.

As has now become apparent, globalization and the powerful economic forces it has unleashed have awarded unparalleled wealth and power to a tiny new elite.

Call them what you will: the superclass, the plutocrats, the “global meritocracy.”

What they exemplify is the nexus of wealth and political power. And that’s a problem that is increasingly vexing voters in places from London to Kuala Lumpur.

It’s a challenge that takes different forms.

In China, membership in the ruling Communist Party is often the easy road to wealth. Many of today’s political scandals center on the antics of well-connected “princelings,” the descendants of senior party officials who embody the country’s peculiarly potent blend of Marxist-Leninist crony capitalism. Thanks to some remarkable digging by enterprising journalists in recent years, we’ve learned some astonishing things about the scale of privilege enjoyed by the extended families of notables such as President Xi Jinping and ex-Prime Minister Wen Jiabao.

But this hardly comes as a surprise.

When you consider that the People’s Republic is governed by the seven members of the Standing Committee of the Politburo of the Communist Party, you’re talking about a tiny number of families who exercise unchecked control over one of the world’s largest economies. In such a setting, it’s only natural that political and economic power are mutually reinforcing.

The situation in China is, of course, the outcome of an economic liberalization program steered by an autocratic elite.

In the countries of the developed West the situation is rather different. The number of players is larger; wealth and political influence are more widely distributed.

But that is presumably small comfort to, say, the Americans who have emerged as losers from the country’s latest Gilded Age. ( Oh and Americans don’t like losing, in case you hadn’t noticed.)

Economic equality in the United States grew steadily during the first three decades of the period following World War II, but ground to a halt amid the stagflation and increasing international competition of the 1970s.

As economist Joseph Stiglitz notes in a recent editorial:

“Last year, the top 1 percent of Americans took home 22 percent of the nation’s income; the top 0.1 percent, 11 percent.

Ninety-five percent of all income gains since 2009 have gone to the top 1 percent.

Recently released census figures show that median income in America hasn’t budged in almost a quarter-century.”

At the same time, the extraordinary permissiveness of U.S. laws on lobbying and campaign financing has allowed wealthy elites to gain immense sway over the political process.

By now, anyone who follows American politics has heard the stories about the vast sums of cash spent by conservative business magnates like the Koch Brothers; less often discussed, perhaps, are the rich Democrats, such as George Soros or Tom Steyer, who are happy to leverage their wealth to shape policy.

But even less visible are the big corporations and industrial associations who can purchase lawmakers and fix legislation to boost their own bottom lines.

One recent academic study calculates that 40 percent of political campaign contributions in 2012 came from one-hundredth of 1 percent of U.S. households. That figure probably reflects the new economic elite’s growing awareness of its own political power — not to mention the apathy among other segments of the population who feel increasingly divorced from meaningful participation.

The erosion of alternative power centers, such as labor unions, undoubtedly contributes to a sense of rising cynicism and disengagement. It all serves to undermine the promise of America’s democratic system. (Given this context, it’s no wonder that the U.S. Supreme Court is once again weighing the question of limits on individual contributions to political campaigns.)

As a result, the United States is now experiencing a remarkable discussion of the causes of the new inequality and its political consequences. Authors from George Packer to Tyler Cowen are stirring impassioned debate about the perceived breakdown of the American social compact. The new book from economist Angus Deaton, “The Great Escape,” includes a memorable quote from the lawyer Louis Brandeis: “If democracy becomes plutocracy, those who are not rich are effectively disenfranchised.”

Can we stop the trend?

Some — like Cowen, who believes that current inequality is largely a function of technological change — are skeptical.
Others insist that we can counter the drift towards government by the few with smart policies designed to level the playing field — above all in education, infrastructure and health care.
Measures to limit the role of money in politics probably wouldn’t be a bad idea either (presuming we can find some that actually work). For those who still believe in the primacy of the market, the package might also include measures designed to promote genuine competition in the place of today’s corporate welfare for politically plugged-in superfirms.

This certainly doesn’t mean giving up on capitalism.

As development economists point out, globalization has brought relative prosperity to many around the world who couldn’t even dream of it before. (Think, for a start, of all those Chinese peasants who can now afford three meals a day — unthinkable in times past.) Overall health and development indicators have improved dramatically over the past 50 years.

None of this, however, obviates the need to ensure that the extraordinary benefits accruing to the superstars at the top don’t end up disenfranchising the rest of us. Otherwise the future looks dark.

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

Balance of power, being able to control our own money, having access to clear and accurate information about banking practices so that what we do as individuals allows us to make informed and educated decisions, genuine decisions, about our own assets and lives are reasonable requests. Otherwise the future looks dark.

Our experience using METABANK crossed over into the dark zone. We were lied to. Our own cash money was kept from us. METABANK took our cash money first and then made up some far fetched story that was so easy to see through that it was disgusting. Seeing immoral and criminal acts, being lied to and being taken advantage by a power banker which is how METABANK has been acting, not only in the USA, but on a global scale is so extreme that we must speak up and out against how METABANK operates.

Consumers must align, join forces and work collectively for solutions to the problems created by METABANK and any other entity that wants to use consumer’s money as an interest free loan for themselves. METABANK operates as a usurer, a loan shark, in the greediest and most self-centered sense of that has ever existed.

METABANK began as a “THRIFT BANK” which catered to the poorest and most economically fragile citizens from whom they charged exorbitant interest rates and then moved into “COLLECTIONS” which is really what METABANK is all about, the enforcement of collections. METABANK sets up all the rules by which they operate and also retains the right to change the rules without notices. METABANK operates as a scam of consumers. No safe guards are in place to protect consumers from predators like METABANK. Only you as a consumer can protect yourselves.

If we hadn’t been so badly scammed by METABANK as their former customer, we wouldn’t feel so compelled to write this blog…. The reality is that METABANK abused us as their customer so we feel that all we can do is to alert others to prevent from happening to them what we had foisted upon us as a customer of METABANK. We are trying to put into action the “Golden Rule.” If only METABANK had treated us the way we would have liked to have been treated as customers

#1 We would have been pleased with the service we received from METABANK

#2 We would still be doing business with METABANK

#3 We would be endorsing the kind of product offered by METABANK ………… BUT WE ARE NOT !!!!!

BUT BECAUSE WE WERE SO ABUSED BY METABANK, WE CANNOT ENDORSE ANY PRODUCT OR SERVICE COMING OUT OF STORM LAKE, IOWA.

CONSUMERS, BE WARNED!!! Don’t become a customer of MetaBank. Unfortunately, Meta Bank operates using many different names and they use a partner company to market their prepaid network branded bank cards.

Because METABANK is the largest processor of the Network Branded Prepaid Bank Cards, it will be difficult for you to know if you are a customer of METABANK or one operating in the same manner as METABANK. METABANK has offered classes to other banking entities in their methods so as to normalize their practices.

We are curious about the placement of METABANK advertisements.

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by mrnd5 on October 27, 2013 • Permalink

Tagged "No Credit Check" is not true - METABANK is seeking financially vulnerable customers, $5 charge for every transaction on the card, Banking in the USA, Boris Berezovsky, Boris Yeltsin, But this isn’t only Russia’s problem., D.C. Lobbyists advocate for Corporate Interests, Deceptive Marketing Tools Only Help Meta Bank, Have you ever had any luck getting things resolved with Meta Bank? Did Meta Bank ever change the terms without warning?, Meta Bank is a collections agency not a bank, Meta Bank lies, META BANK SCAMS CUSTOMERS, Meta Bank using false advertising, MetaBank, MetaBank hired Lobbyists to promote their PrePaid Bank Cards in Washington, Mikhail Khodorkovsky, NETWORK BRANDED PREPAID BANK CARDS are nothing but a scam, Russia, Vladimir Putin, When advertising becomes propaganda

Posted by mrnd5 on October 27, 2013

https://mrnd5.wordpress.com/2013/10/27/permissiveness-of-us-laws-on-lobbying-and-campaign-financing-and-the-major-problems-that-go-hand-in-hand-with-that/

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.

STORY HIGHLIGHTS

Not having a job can lead to depression, which can make it more difficult to find a job [If a person just settles for what they perceive to be the only job available in their area, but the job keeps them at poverty levels, how does this affect their self esteem? We believe that the people who answer the phones as customer representatives for METABANK may have detached themselves morally from what is required of them in what may seem to be a hopeless situation with few real options.]
High stress at work, unhappiness in a career also can lead to depression [How do METABANK’s phone representatives live with themselves?????!!!!!!]
Even bigger problem: Stigma associated with depression causes people to avoid getting help [Perhaps the fear of having no job is what allows these phone representatives to perpetuate this scam on others?! How sad these people must be. They are being used and abused as much as the customers they are required to lie to day in and day out. Pathetically sad!!!]

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

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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 bank had use of money, Banking in the USA, Deceptive Marketing Tools Only Help Meta Bank, Fraudulent, Have you ever had any luck getting things resolved with Meta Bank? Did Meta Bank ever change the terms without warning?, Human Rights, Immoral, Immoral bank practices by META Bank and its operation using other names, internet, Meta Bank lies, Meta Bank Scammed me- Have they scammed you to?, META BANK SCAMS CUSTOMERS, MetaBank, phone representatives, they prey off customers, we can't access our money at all, working at METABANK

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.

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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 $5 charge for every transaction on the card, Bank locally, bank reforms are needed, Banking in the USA, Boycott Meta Bank, consumer complaints, consumer protection, debit travel card, Deceptive Marketing Tools Only Help Meta Bank, economy, Have you ever had any luck getting things resolved with Meta Bank? Did Meta Bank ever change the terms without warning?, Human Rights, META BANK fraud, we can't access our money at all

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/

PayPower – Meta Payment Systems are a Scam

Paypower held my $4000 for no reason and refuse to give me my money!!
When I asked them to close my account and give me back my money, they refused!

You don’t even have to put in your card number or identify yourself when you call them, they know you by your voice!

They refuse to give their last names and the Nevada detectives are investigating them!

Don’t use them!!!

They have at least 72 complaints on ripoffreport.com and at least 90 on pissedconsumer.com!!!!

They claim that all the reviews online are not true and that they are reputable but they steal your identity and your money!

I sent them all the documents they requested and then they are asking for a copy of my paycheck to release the hold that they placed on my $4000 for NO REASON AT ALL!

PAYPOWER IS A SCAM!!!!!!!!

PayPower stole $4000 from me!!!!

Mrnd5 would like to thank you for your input. We also need you to help consumers even more.

The scenario as described above indicates clearly that you have been

scammed by Pay Power. Please contact your attorney general or the US

Attorney General or anyone who can effectively change these practices.

This is a common complaint about how Meta Bank operates.

We were all scammed by Meta Bank or another bank operating like Meta Bank or by Meta Bank using another name.

As consumers, we want to be protected from such abuses.

Please let your elected officials know about your needs as a consumer and only vote for people who will serve you as a consumer.

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by mrnd5 on October 13, 2013 • Permalink

Posted in Advocate for your needs and concerns as a consumer, Avoid This Service, Bank Reform and Proper Regulations are Needed, Banking, banking in Storm Lake IOWA, Banks Designed To Keep Consumers in Debt, being manipulated, Complaints Against Meta Bank, Consumer Abuse by PayPower, Consumer Advocate, Consumer Alert, Consumer Rights Advocacy, Consumer Rights- consumers have no or few protections from predatory banking practices, 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, Corporate Partner to be excluded from the process that Meta Bank puts in place, Corrupt Practices found within METABANK, Creating Easy Preys Doesn't Make METABANK's Practices Moral, Customer Loyalty, Customer Loyalty Program, Customers of METABANK continue to complain about how they have been mistreated by METABANK, Do not give up control of your own money by using a prepaid card, Human Rights, information systems, Integrity, Just Curious About Meta Bank's Ad Placement, marketing is basically Meta Bank's major strength just behind collections, 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 never accepts responsibility, Meta Bank Scams Americans, Meta Bank sells VISA and Mastercard Pre-Paid Cards, METABANK's PREPAID CARD, METABANK's publicity is a lie and filled with false promises, NBPCA is a scam on the American public, Ordinary customers can't get the METABANK PREPAID CARD TO SERVE THEIR NEEDS, Payment Systems, PayPower Scam, personal finance, PrePaid Bank Cards bad for consumers, Respect Consumers, Risk Retention Crisis and the consumer, Thrift Bank - the concept is a scam, unbanked, Usury, We are all vulnerable to predatory practices of banks like METABANK

Tagged Banking in the USA, Boycott Meta Bank, consumer abuse by PayPower/Meta Bank, Deceptive Marketing Tools Only Help Meta Bank, Meta Bank lies, META BANK SCAMS CUSTOMERS, Paypower, Vote in officials who will serve the needs of ordinary consumers, we can't access our money at all

Posted by mrnd5 on October 13, 2013

https://mrnd5.wordpress.com/2013/10/13/paypower-meta-payment-systems-are-a-scam/

BankMeta/METABANK program designs fail to meet consumers’ needs

Change is needed – PREPAID BANK CARDS give far too much control and an interest free loan to META BANK and banks operating like it.

I am of the belief that large corporations and banks like METABANK with their PREPAID BANK CARD SCHEME and their origins as being a THRIFT BANK have all the power at this time in history.

Perhaps it has always been this way in one form or another. I also believe that many of our wars have been basically caused by the actions of these large corporate entities or by powerful wealthy leaders, such as “noblemen” who may have been seeking more power and control in previous generations.

I am reminded of the assassination in Dubai by 26 people using METABANK prepaid bank cards, purchased at the Payoneer Affiliate of METABANK. Payoneer had bragged in their own publicity that they had the best detection equipment available in the world to detect potential customers who may be presenting false identification to buy prepaid bank cards. However, they sold prepaid bank cards to 26 people using false identifications. Some of them were using Identifications of living people. Then the 26 went off to commit an assassination. One man wasn’t given a fair and impartial trial. Certainly, he must have friends and relatives who were and who not doubt still are upset over his assassination. Those 26 people created a future retaliation potential. META BANK denied any knowledge of the fact that the assassins had used false IDs.

The fact that the 26 assassins could actually get their prepaid bank cards purchased at a METABANK affiliate to work to buy plane tickets, pay for hotel rooms and food while they were in Dubai is even more amazing.

Most ( and there have been many) customers using METABANK’s PREPAID BANK CARD who place CASH money on it only to find that they can’t get the card to work when they need it the most. Thats right, METABANK customers over a period of over 5 years to our awareness ( but most likely for much longer because METABANK seems to have put their tentacles in and to be holding onto their position of power holder very tightly)

The average customer can’t access their own money because METABANK has chosen to use their CASH money on the prepaid bank card for their own personal needs. Well yes, that is the real truth. METABANK phone representatives have been given a list of reasons for why their customers can’t get the prepaid bank cards to work. The reasons are generic and they are lies. METABANK’s entry level positions pay below the poverty level salaries so these phone representatives most likely are willing to lie simply because they need a job of any kind.

METABANK began as a THRIFT BANK. METABANK sought out the underbanked and the unbanked, who mostly have poor credit histories, often promising those customers by implication that simply by using the METABANK product that they will be able to improve their credit history. This is misleading information only to get the attention of those customers whom METABANK plans to charge outrageous interest rates and charge exorbitant fees for the personal gain of METABANK

But who are the people who are sent out to do the fighting and who are on the front lines in the battle that is fought; it isn’t any corporate CEO at this time in history.

This whole system needs to change. When???

There is a whole group of economic power holders who are blocking change so they can keep the status quo. METABANK has abused the consumer repeatedly over a period of many years. This is one change that needs to happen immediately.

Consumers need clear information so that they can make informed decisions. Enough of this big corporate game playing, METABANK controls all of the rules governing their accounts and retains the right to change the rules at anytime without warning.

The fact that 26 assassins, using false or stolen identification, in Israel were able to buy METABANK/Payoneer PREPAID CARDS and then they were able to get those PREPAID BANK CARDS to actually work for them while they committed a crime doesn’t look right. METABANK/Payoneer appears to be far more involved with what happened regarding the DUBAI ASSASSINATION than METABANK will admit.

( Many criminals don’t admit they have committed a crime, even after they have been convicted… or so I have been told.)

Ordinary Citizens can’t get the METABANK PREPAID CARD to work for them in any kind of a reliable way, but 26 assassins use the METABANK/Payoneer PREPAID CARD to major purchases that the average prepaid bank card user can’t make.

METABANK limits how much a customer can spend on a daily basis.

Customers have complained that METABANK puts holds on their cash money placed on the METABANK PREPAID CARDS saying that METABANK suspected “terroristic activity” on the card. That customer had only used the card at the same local, well known stores as usual. That customer couldn’t access their own cash money to be able to pay their rent on time.

METABANK’s PRACTICES make the average person far more vulnerable. However, in METABANK’s publicity for why people should opt into the PREPAID CARD is that they the cards are safer than carrying cash. Nothing could be further from the truth!!!

Just look at all of complaints made by consumers over a period of many years. It is always the same pattern that METABANK uses to abuse their customer base. METABANK relies on the large population so they can simply move onto the next potential sucker whom they can scam.

METABANK says they have innovative practices, but they always scam their customers in the exact same ways. METABANK is really nothing more than a collections agency. METABANK simply isn’t customer service oriented; any hint that METABANK has an innovative plan tailored to your specific and unique needs is nothing more than a marketing tool for their old, same old scam and abusive practices.

Consumers are tired of being abused. Consumers need and want to be protected from these kinds of Predatory Practices that we have observed in METABANK over and over again. When will they be stopped????

Change was needed years ago.

METABANK is headquartered in Storm Lake, IOWA. Iowans, please wake up and do something.

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by mrnd5 on May 3, 2013 • Permalink

Posted in $50 "lack of documentation fee" for students who fail to submit certain paperwork., 'Not cheaper for the students', Advocate for your needs and concerns as a consumer, Annual Income of META BANK's CEOs, Bank Card Tax Refunds are an interest free loan to a bank, Bank Card Tax Refunds Fails Consumers, Bank Locally- Pay with Cash- Open a Savings Account -Don't Use Prepaid Debit Cards, Bank Publicity that is simply "Garbage Talk", Bank Reform and Proper Regulations are Needed, BANK REFORMS NEEDED TO BE CAREFULLY REGULATED, Bank regulators shut down MetaBank payday loans, 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, Be sure to vote and then to follow up asking elected officials to serve you as a consumer, Big Corporations and Banks run the world, Blackhawk & METABANK to be avoided, Complaints Against Meta Bank, Consumer Alert, Consumer Rights Advocacy, Consumers suffer at the hands of METABANK, Corrupt Practices found within METABANK, Creating Easy Preys Doesn't Make METABANK's Practices Moral, Customer Service at METABANK.com, 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, Dollar General Pre-paid Card is Meta Bank, Don't Invest in META BANK, electronic banking, End Overdraft Fees, fast paced banking systems, fees related to gift cards, fees required to talk by phone to NETSPEND, Fight Corruption, Financial Regulatory Reforms Needed, Get Debit dot com is Meta Bank, Gift Cards are an interest free loan to an unknown bank, Green Dot is Meta Bank and Green Dot already has many complaints from customers, Higher One has agreements with 520 campuses that enroll more than 4.3 million students, Holiday Gift Cards: have hidden fees, How did the assassins pay for their Meta Bank/Payoneer Pre-Paid Cards? Where else were these cards used?, Human Rights, information systems, innovative banking practices, Integrity, Internal Audits not able to cope with problems related to prepaid bank cards, J. Tyler Haahr, Jackson-Hewitt and METABANK are partners, 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 operates using many different names, Meta Bank sells VISA and Mastercard Pre-Paid Cards, META FINANCIAL GROUP, META FINANCIAL GROUP INC & PREPAID CARDS FAIL CONSUMERS, META FINANCIAL GROUP INC continues to scam customers through the end of 2012, METABANK donates large amounts of money to re-elect Steve King, METABANK fails to hear and to respond appropriately to customer's real needs, 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 uses the rules for their own gain, 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, Money Network is META BANK, More behind META BANK's scam than we may have previously realized, Narcissistic practices found to be within METABANK's operation, NBPCA is a scam on the American public, NETSPEND is METABANK, NETSPEND scams consumer, 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, Payment Systems, PayPower Visa by META BANK, Please help to stop the immoral banking practices of META BANK, Predatory Practices of BankMeta.com, PrePaid Bank Cards bad for consumers, PREPAID CARDS are not adequately regulated, PREPAID CARDS are not consumer friendly, PREPAID CARDS promoted by METABANK, PrePaid Name Brand Bank Card Association a non-profit is a scam, Put yourself in charge of your own finances, Rules Designed BY METABANK for the benefit of METABANK, seek revenue growth for themselves not you the customer, self-centered, self-motivated, self-serving, Stay out of debt- don't get loans to pay off loans, Steve King, Steve King (R-IA) received large campaign donation from James S. Haahr of Meta Bank, Storm Lake IOWA, Success shouldn't be about profits - People mattter, Suspicious Activity is within Meta Bank's internal practices and policies, Usury, We are all vulnerable to predatory practices of banks like METABANK

Tagged $5 charge for every transaction on the card, advertising, bank reforms are needed, Boycott Meta Bank, business, internet, META BANK fraud, Meta Bank Scammed me- Have they scammed you to?, technology

Posted by mrnd5 on May 3, 2013

https://mrnd5.wordpress.com/2013/05/03/bankmetametabank-program-designs-fail-to-meet-consumers-needs/

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

Took money and never applied to prepaid debit card

Consumer Complaint about PrePaid Bank Cards

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

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

NOT!!!

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

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

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

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

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

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

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

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

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

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

Why is this still going on?????

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

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

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

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

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

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

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

This will also protect the economy.

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

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

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

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

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

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

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

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

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

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

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

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

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

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by mrnd5 on April 30, 2013 • Permalink

Posted in Accountability, Advocate for your needs and concerns as a consumer, Annual Income of META BANK's CEOs, Avoid This Service, Bank Card Tax Refunds are an interest free loan to a bank, Bank Locally- Pay with Cash- Open a Savings Account -Don't Use Prepaid Debit Cards, Bank Publicity that is simply "Garbage Talk", Bank Regulations must be enforced, Bank regulators shut down MetaBank payday loans, Bank Regulatory Reforms are Needed, 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, Be sure to vote and then to follow up asking elected officials to serve you as a consumer, Big Corporations and Banks run the world, Blackhawk & METABANK to be avoided, Complaints Against Meta Bank, Consumer Alert, Consumer Rights Advocacy, Consumer Rights- consumers have no or few protections from predatory banking practices, Consumers act to protect themselves and others from further bank fraud and customer abuses, Consumers align to protect yourselves, Consumers are Vulnerable: Help each other, Consumers being forced to use plastic, Consumers Demand Bank Reforms That Serve Their Real Needs, Consumers Join Forces to Protect Each Other from Bank Scams and Frauds, Consumers must speak out, 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, Don't Invest in META BANK, Don't use PREPAID BANK CARDS of any kind, fees required to talk by phone to NETSPEND, Financial Regulatory Reforms Needed, Gift Cards May be Suspended After Purchase and without notice, herd behavior, Internal Audit Committee at Meta Bank, marketing is basically Meta Bank's major strength just behind collections, 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 never accepts responsibility, 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, METABANK =TURBOTAX and both are scams, 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 donates large amounts of money to re-elect Steve King, METABANK is a collections agency and not a bank, MetaBank is corrupt, METABANK operates using many different names, METABANK practices are dragging the economy down, METABANK PREPAID CARD, METABANK uses false awards- false testimonials, METABANK uses the rules for their own gain, 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, Money mules get METABANK PREPAID CARDS to work for them, Narcissistic practices found to be within METABANK's operation, NBPCA is a scam on the American public, NETSPEND is METABANK, Ordinary customers can't get the METABANK PREPAID CARD TO SERVE THEIR NEEDS, Steve King (R-IA) received large campaign donation from James S. Haahr of Meta Bank, Success shouldn't be about profits - People mattter, sustainable banking, 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, 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 $5 charge for every transaction on the card, Boycott Meta Bank, business, current-events, Deceptive Marketing Tools Only Help Meta Bank, economy, Have you ever had any luck getting things resolved with Meta Bank? Did Meta Bank ever change the terms without warning?, Human Rights, politics, Took our money but never applied to our Prepaid bank card, we can't access our money at all

Posted by mrnd5 on April 30, 2013

https://mrnd5.wordpress.com/2013/04/30/took-money-and-never-applied-it-to-customers-prepaid-debit-card-this-is-a-crime/

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

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

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

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

Corporations will not accept Prepaid Debit Cards in payment.

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

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

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

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

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

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

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

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

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

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

Debit Card Policies

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Please do not do business with METABANK.

Please do not use PREPAID BANK CARDS.

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

Be forewarned to simply not do business with METABANK.

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

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by mrnd5 on April 2, 2013 • Permalink

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

Posted by mrnd5 on April 2, 2013

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

How METABANK ruins the lives of their customers on so many levels… a scientific study to be applied to the way METABANK treats their customers

Killer Stress: A National Geographic Special

Below you will find the transcript of this National Geographic Special that explains how stress is a killer.

Being a customer os METABANK is stressful. We established this blog to alert others and to allow them to protect themselves.

What many former customers of METABANK have found is that METABANK scammed them and then lied to the customer, and attempted to push the blame for the problem back off onto the customer. Customer after customer has reported that METABANK took control of their money using misleading promises that a prepaid bankcard would be safer and more secure. The prepaid bankcard gives all control of a customer’s money over to METABANK; the prepaid cards bring in lots of money for METABANK. The prepaid bank cards are safer and more secure for METABANK, but not for METABANK customers.

METABANK CEOs make in the range of $700,000.00 annually. METABANK brags that they got started as a “thrift bank” that is as a bank who sought “to serve” the underbanked” and “un-banked” in our society. This meant that METABANK seeks to establish a relationship with their customer base that would allow METABANK CEOs to be the “Alpha” primate while their customer base in general is in a subservient position. METABANK lures in partner companies and customer using false promises; this is a form of aggression against their customer base because of the way that METABANK has designed a product that repeatedly fails to meet customer’s needs.

I was struck by the fact that METABANK was so ready to lie to me about why I couldn’t access my own money and that they worked hardest at trying to push the blame for the problem off onto me as their customer. Of course, online, I would learn that METABANK by design fails customers; this is what makes METABANK’s CEOs so rich.

Those who are abused by METABANK and any system that operates in a similar manner would be well advised not to do business with METABANK. It turns out that there are health consequences for any and all METABANK customers. Please read the following transcript:

Created by PBS2

Aired at 11:00 PM on Monday, Apr 12, 2010 (4/12/2010)

Transcript