All posts in category METABANK practices are dragging the economy down

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/

We Urge You Not To Invest in NASDAQ:CASH…..bankmeta

Meta Bank

MetaBank is one of the largest prepaid debit card issuers in the United States (more than 50% of the debit cards reviewed on GetDebit.com are issued by MetaBank). Through their premier Meta Payment Systems division, MetaBank services more than 500 prepaid card programs.

[Take Note of what you just read above:MetaBank services more than 500 prepaid card programs.

This is not an endorsement of METABANK or any of their affiliates.

We are consumers who were scammed while using MetaBank’s Prepaid Cards.

Above, please note that METABANK is bragging about being the largest prepaid debit card issuer in the United States.

Bigger isn’t always better we have all learned in recent years!!!!]

MetaBank also serves as a traditional financial and lending institution providing a diverse product offering across several product lines including personal finance, commercial finance, mortgage services and agricultural services. MetaBank has 12 brick and mortar offices located in 4 distinct market areas. Offices include: Central and NW Iowa; Sioux Empire, South Dakota; and Brookings, South Dakota.

Meta’s subsidiary Meta Payment Systems (MPS) manages four business segments including: ATM Sponsorship, ACH Origination, Prepaid Debit Cards and other various Credit Products. The unique “Super Community” philosophy on banking has enabled MetaBank to realize continued growth, while in the same breath, keep its community banking roots. Inherent benefits to this mentality are streamlined efforts and rapid decision making at the local level and a more enhanced service package to the customer.

[Online banking has been problematic for many consumers. Customers feel abused and taken advantage of by Meta Bank/Meta Payment Systems. The prepaid card may say it was issued by Meta Bank, but Meta Payment System may then respond to your letters of inquiry so which are you actually dealing with?

Customers feel like they aren’t being heard, and METABANK isn’t listening to them nor is MetaBank actually addressing customers’ concerns and problems in any real way. Customers complain that they have been passed from one customer service personnel to another and nothing ever gets satisfactorily resolved. The real issue is that MetaBank wishes to scam those others, the people they never see face to face.]

MetaBank’s “Money On The Move” platform is one of the many innovations [innovation or scam? For MetaBank former customers have found them to be one in the same] created to enhance the customer experience.

[Why are customers still complaining then?]

There are four payment systems platforms:

Gift Card Platform

[Gift cards are often left with a certain amount of cash still on them…. Just give cash!!!! Avoid the middleman which is more often than not, META BANK. Why are you giving an interest free loan to Meta Bank???? Because that is really what you are doing along with most likely a small cash gift to METABANK too. Think about this. Why give money to an unknown entity????]

Discover gift card purchase at bank
Electronic funds sent to Meta from bank [Direct access to your source of income.]
Gift card given to friend or family
Recipient spends at merchant [Not all merchants accept the prepaid card or consumers find that holds have been placed on the cards.]
Discover pays merchant and electronically moves money from Meta [How much control do you as a consumer have then over your own money assets?]

[This may actually be how Meta Bank categorizes what they do, but for consumers, many complain that they are shifted from phone MetaBank clerk to another one and their problem is discounted. Also customer service clerks have lied to customers. It appears that the phone answerers have been given a list of reasons and ways to push the blame back off onto the consumer for a product that was never designed to actually meet the needs of the consumer.]

Rebate Card Platform

Product bought at merchant/rebate form filled out
Rebate processor electronically sends funds to MetaBank to hold
Meta sends Rebate MasterCard to customer in mail
Customer spends funds on card
MasterCard takes money from Meta to pay merchant

[MetaBank markets heavily to cultivate partner companies who market their product for MetaBank. To get money off of the rebate card, a consumer has to send their personal information to an unknown entity. In this time period, this kind of requirement is upsetting and of great concern. ]

Travel Card Platform

Visa travel card purchased at bank

[What bank? Oh Meta Bank controls all of the transaction from start to finish… that was our experience.]

MetaBank holds funds until needed [We couldn’t access any of our money]

[Meta Bank simply held all of my money, and I had put a lot of money on that card. Their clerk had asked when I would be leaving and for how long I would be gone before I re-loaded it. However, Meta Bank never re-loaded the card. Meta Bank simply held my cash money for one full month as an interest free loan to them. Something is backwards in the thinking and practices within Meta Bank.

Travel cards are issued in twos. One is the re-loadable card and the other has immediate access to the money. Meta Bank said they had loaded the wrong card because my spouse gave them the wrong number. The other card was in a drawer at home; it had never been issued to my spouse but to a child. The only number that my spouse had was the one that I had emailed to my spouse from an internet cafe. It was the right number; why was Meta Bank trying to push blame off onto others rather than fix the problem?

The card was supposed to have been re-loaded, but it wasn’t. Meta Bank complained that I had never phoned them back to say that the card didn’t work.

Meta Bank accepted my cash money for the card and never loaded the card. I had no cash money to spend while I was on what was supposed to have been the trip of a lifetime in Europe. I was basically living as a homeless person in Paris. How could I have phoned Meta Bank or even emailed them.

That same year another traveler also couldn’t get the Meta Bank Card to work; no place would accept the card although it had been sold as a travel card. Meta Bank told this well-educated person that he hadn’t used the card properly.

Meta Bank always gets another entity to sell their product for them. This fact removes Meta Bank from having direct contact with the customer.

The other fact is that customers may be buying prepaid cards from an entity where they have been doing business for years so the customer has a sense of security in using the product presented by a place they have known and been known for years.

Meta Bank courts the partner entity’s CEOs so that the CEO of the known company actually believes that what Meta Bank is selling may be a reliable product. On the second or third page, consumers may read that Meta Bank reserves the right to change all of the rules at any time without notice to their customers.

Meta Bank told me that they had no contact information on file for me, but this is a complete and outright lie.

Why did Meta Bank feel the need to lie?

It was this need to lie to me as their former customer rather than to try to resolve the problem that Meta Bank had created that drew my attention. Then after that on-line, I saw that many, many other customers had complained about almost the same identical problem.]

Customer uses card for travel expenses

[If only we could!!! We couldn’t get the travel cards to work. We were left with out access to our own cash money when we needed it the most. This made us vulnerable.

METABANK’s internal practices and policies have caused their customers great pain repeatedly; Meta Bank lies. It didn’t just happen to one person; the same thing happened to many customers over and over again.

The way that Meta Bank handled the problem once it was brought to their attention was OUTRAGEOUS, abusive and offensive.]

Merchants paid by Visa as funds taken from Meta

[We suspect that the European places where our acquaintance couldn’t get anyone to accept his card in payment have been scammed by Meta Bank on the other end of the transaction.]

[The four highlighted items for Meta Bank prepaid cards fail to assure consumers that they will be treated properly, fairly and with dignity by Meta Bank as their customers. In reality, Meta Bank’s travel cards, speaking from our real lived experience using it indicates that the card is designed to fail customers. This problem is compounded by the fact that Meta Bank has lied to consumers for why they can’t get the META BANK product to work. Therefore, from our experience even the four points above are lies along with being false and misleading empty promises.]

Reloadable Card Platform

Consumer buys card at retail merchant store
Consumer direct deposits employer paycheck on MetaBank card
Consumer buys groceries, clothing, gasoline and other goods and services on card
Visa pays merchants/service providers and transfers money to cover from MetaBank

[I couldn’t get Meta Bank to re-load our cards. Oh, Meta Bank took my cash money and kept it from me when I needed it the most, but I had no access to my own cash money.]

[Therefore, we strongly urge any potential investors to seriously re-consider whether it is appropriate for them to invest in bankmeta.com or NASDAQ:CASH]

About MetaBank
Stock Symbol:	NASDAQ:CASH
Website:	http://www.bankmeta.com
Corporate Headquarters:	Storm Lake, Iowa
Address:	121 East 5th Street, Storm Lake, IA, 50588-2339

On one of the links of the Meta Bank Website, we found the following which further highlights the fact that Meta Bank fails to address customers clearly expressed concerns with the METABANK PREPAID CARD.

METABANK once again is talking down to customers as if we are an inconvenience but necessary source of income.

Prepaid Debit Card > Debit Card News > Prepaid Exaggerations

Prepaid Exaggerations

Dec 20, 2011 — As a larger and larger percentage of the population enters the prepaid debit card market, there are exaggerations and untruths perpetuated nationwide.

[Why would people speak out against a card that has failed to meet their needs!!!!? Oh yeah, the answer is obvious.]

When using any financial tool, there are methods that can financially benefit cardholders, while others that can be quite detrimental to the pocketbook.

[ None of us have found any merits to using a prepaid bank card now that we have given it a try. METABANK has created a prepaid bank card that they can manipulate internally so that they make even more than what the ordinary interest free loan would have given to them. Many, many former customers have complained about METABANK’s customer service over a period of many years.]

Below are a few prepaid card fallacies that we have outlined for you:

[fallacy is defined as

fal·la·cy noun. plural. fal·la·cies

1. A false notion.

(Meta Bank is about to present statements which are fallacies because MetaBank uses their prepaid bank card to scam their customers so that METABANK can get access to even more money for themselves.)

2. A statement or an argument based on a false or invalid inference.

(Meta Bank is the master of inference that they use to hook in customers; this is how Meta Bank is able to hook in customers and what makes Meta Bank’s practices predatory.)
3. Incorrectness of reasoning or belief; erroneousness.

(We have wondered about the WHY that drives METABANK’s actions and practices. The need to win seems to factor in to the equation, but the practices of MetaBank are indicative of a very sick thought process. The need to lie to their own customer base is symptomatic of a very sick way of thinking.)
4. The quality of being deceptive.

(Meta Bank created the concept of Prepaid Bank Cards and then proceeded to push the very limits of the concept so that they abuse their own customers. This is very sick.]

Prepaid cards can solve all of your budgeting problems

– It’s true that cards like the KLS Prepaid Visa RushCard can be used as a tool to HELP you manage your money and most cards will just be declined if you try to spend past the amount loaded on the card. Still, financial responsibility comes with each person’s ability to plan, budget, save and control spending accordingly. There is no financial instrument that can solve all of your financial challenges for you. [KLS? Rush Card? … all METABANK products?]

[Quite to the contrary, elsewhere on METABANK’s own pages, METABANK does say that by using their prepaid debit card and having it attached to the customer’s salary or government payments… then if they use the card often, they may be able to improve their credit history…. This has actually over a period of years been one of METABANK’s biggest selling points for their product…. I have seen it in print and complained about this marketing ploy frequently on this blog. METABANK may believe that they are glossing over this potential when they mention it in their publicity made to look like a page of bank information. However, the fact that it is clearly posted on METABANK’s websites and that it hasn’t been removed is a problem.]

Prepaid cards have outrageous fees – While there are some prepaid cards that can accrue rather high fees, there are those like the Western Union MoneyWise MasterCard that have extremely competitive fees, not only with other prepaid cards, but traditional banks and check cashing services as well. Fee structures vary from card to card, so cardholders need to read the terms and conditions to determine most advantageous usage.

[In reading the terms listed above, we can see contradictions in what METABANK says. The word “outrageous” for example. Outrageous means:

out·ra·geous

: very bad or wrong in a way that causes anger : too bad to be accepted or allowed

: very strange or unusual : surprising or shocking

Full Definition of OUTRAGEOUS

1 a : exceeding the limits of what is usual b : not conventional or matter-of-fact : fantastic

2 : violent, unrestrained

3 a : going beyond all standards of what is right or decent<an outrageous disregard of human rights>

b : deficient in propriety or good taste <outrageouslanguage> <outrageous manners>

Meta Bank takes their customer’s CASH MONEY UPFRONT so it is unthinkable that while METABANK gets what is basically an interest free loan from the customer and while Meta Bank limits what the customer can spend that they would also charge their customer any fee at all or even consider charging their customers a fee for using the META BANK PREPAID CARD. Because Meta Bank gets an interest free loan from their customers, charging a fee from that same customer for giving META BANK an interest free loan. META BANK has all of their customer’s cash money upfront. According to the dictionary definition of what outrageous means then METABANK’s charging of any fee so that METABANK can get an interest free loan for their own benefit and use is in fact outrageous.

Check cashing fees???? People who struggle financially and who therefore have no bank account are often charged check cashing fees by banks.

METABANK takes an interest free loan when a customer puts money on a prepaid card. The mere thought that MetaBank would charge people who give them full control of their own cash money is more than outrageous; it is immoral. Rather than handing over their cash money to Meta Bank and giving up control of their own cash money, customers would be better served by paying in cash directly.

Prepaid cards will help you improve your credit score – This has been one of the biggest exaggerations of prepaid cards out there. The READYdebit Visa does provide a free “ScoreTracker” that allows you to track your credit score, credit attributes and debt over time. While that is a great feature, the three main credit bureaus do not recognize ANY prepaid card usage and user’s FICO scores will not be affected one way or the other.

“Prepaid cards will help you improve your credit score” is what META BANK has actually posted on their own webpages over a period of years. It is therefore an exaggeration that METABANK makes regarding their own product. It would therefore appear that METABANK is far more dedicated to obfuscating their practices and policies than to providing a genuine service to customers…. Many METABANK customers have indicated that METABANK customer representatives have lied to them. This is the report of more than one former METABANK customer. In the statement above we see an example of the twisted thought patterns behind the actions we, as Meta Bank customers, have encountered. It wasn’t just one person, but many people who encountered the same problem with METABANK’s customer service.

Prepaid cards are ONLY for people with bad credit – A great many people with challenged credit do take advantage of prepaid cards so as not to live beyond their means. There is a significant amount of the population that use prepaid cards to save money on fees (bank, check cashing, overdraft, etc.), protect their identity or even enroll in programs like the BillMyParents Spend Smart MasterCard to assist their children in the art of financial management.

[The parents of college students, the college students themselves and others who appear to come from many socio-economic income brackets have equally complained about the poor and improper customer service that they have encountered at METABANK.]

Prepaid cards can only be loaded at retail stores – Green Dot MoneyPaks found at many retail stores are a very popular method for loading money on prepaid cards like the Mango MasterCard. Now, a large variety of prepaid debit cards can be purchased online and shipped directly to your home address in a matter of days. Mango actually delivers you a “Virtual” card the instant you are approved online for immediate purchasing transactions.

[Meta Bank gets retail stores to sell their prepaid cards. Some banks also sell the MetaBank Prepaid Cards. Other commercial enterprises have also sold the METABANK PREPAID CARD. It has become obvious that METABANK courts partner companies’ CEOs to get them to sell the MetaBank Prepaid Card card for them. It appears that METABANK is constantly looking for partner companies to market their product. METABANK needs partner companies and those companies’ customer list. This makes the above statement seem to be trivial and irrelevant.]

[Does the card work or will you be asked to give cash money up-front and then find you can’t access your own cash money? This is major customer complaint by former Meta Bank customer, including us. It is the abuse of the contract for the monetary gain by Meta Bank at the expense of the customer that irks us. The fact that Meta Bank retains the right to change the rules at any time without giving any notice to their customers is also immoral.]

[The anonymous on-line sale of the prepaid bank cards seems to be part of METABANK’s strategy. Meta Bank sells their product to a faceless public whom they treat as if they were completely devoid of humanity. Such treatment and abuse of customers by METABANK is immoral.]

These are few of the larger myths surrounding prepaid products that might have a little basis in truth, but not much. There are online information sources available to assist you in choosing the best prepaid card for you. Just take some time to investigate.

[As former MetaBank customers who were scammed, lied to and then abused by METABANK all that we can do is try to warn other consumers so that what happened to us never happens to another person…… This is a moral issue for the benefit of humanity because MetaBank failed us in the way that they treated not just one person, but many people in the past. Once the problem was brought to the attention of MetaBank, their customer service personnel consistently tried to push the blame for the problem back off onto the customer. This would indicate that the problems found within METABANK are by design and planned to fail the customers because no effort has ever been made to correct any of the reported problems for their customers on the part of Meta Bank.]

[Myths? This is a very curious take on the years and years of scams that METABANK has pushed off onto an unsuspecting public…… Is this just another form of publicity at which Meta Bank has shown itself to be masterful over and over again, just before their highly developed skill of being a collections agency via the Prepaid Bank Cards over which they manage 500.]

[If MetaBank hadn’t scammed us, lied to us and abused us, there wouldn’t have been any need to even create this blog site.

Bank reforms and far better banking regulations that are independently enforced are needed.

Meta Bank hasn’t acted as a friend to even their own customers. Metabank’s practices are counterintuitive so they have made a lot of money very fast almost as if no one was paying attention.

Those people who have been taken advantage of, lied to and abused by METABANK remember how they were treated. We want to protect other consumers.

Please do not invest or encourage METABANK to continue to abuse consumers.]

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by mrnd5 on October 14, 2013 • Permalink

Posted in Accountability, Advocate for your needs and concerns as a consumer, Avoid This Service, Bank Card Tax Refunds are an interest free loan to a bank, Bank Reform and Proper Regulations are Needed, BANK REFORMS NEEDED TO BE CAREFULLY REGULATED, Bank Regulations must be enforced, Bank Tellers at MetaBank earn wages on the average that are below the poverty level, Banking, banking in Storm Lake IOWA, BankMeta lies to keep customers from their own money, Banks are creating economic servitude in the USA, 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, Complaints Against Meta Bank, 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 Demand Bank Reforms That Serve Their Real Needs, Consumers Start Talking and Learning Real Facts About Banking, 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 Complaints Abound Regarding how METABANK treats them., 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, Economic Servitude needs to be studied and abolished in the USA, End Overdraft Fees, Fight Corruption, Gift Cards are an interest free loan to an unknown bank, Gift Cards May be Suspended After Purchase and without notice, How did the assassins pay for their Meta Bank/Payoneer Pre-Paid Cards? Where else were these cards used?, Human Rights, Integrity, J. Tyler Haahr, 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 never accepts responsibility, Meta Bank operates using many different names, Meta Bank Scams Americans, Meta Bank sells VISA and Mastercard Pre-Paid Cards, META BANK: Creating all the rules in their own favor, METABANK, 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 is corrupt, METABANK practices are dragging the economy down, METABANK uses shills- stooges to market their product, METABANK uses the rules for their own gain, 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, Narcissistic practices found to be within METABANK's operation, 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, Predatory Practices of BankMeta.com, PREPAID CARDS are not adequately regulated, Protecting Your Customer Base, Suspicious Activity is within Meta Bank's internal practices and policies, Thrift Bank - the concept is a scam, Usury, You may be dealing with Meta Bank under a different name

Tagged $5 charge for every transaction on the card, bank reforms are needed, 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?, Human Rights, MetaBank, Outrageous practices affect customers of MetaBank adversely, Outrageous Practices Found Within Meta Bank, Outrageous Rules and Practices continue with Prepaid BankingCards, we can't access our money at all

Posted by mrnd5 on October 14, 2013

https://mrnd5.wordpress.com/2013/10/14/we-urge-you-not-to-invest-in-nasdaqcash-bankmeta/

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.

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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 Avoid Partnering with VISA META BANK, Banking in the USA, Customer Loyalty abused by Meta Bank, Customer Loyalty Program, 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?, Human Rights, Meta Bank, Meta Bank lies, Meta Bank needs partner companies customer base to be able to work their scam, Meta Bank preys on the most vulnerable, Visa Prepaid Bank Card by Meta Bank - a scam, we can't access our money at all

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/

Say No to Meta Bank; Say No to the Network Branded Prepaid Card Association

CONSUMERS: “Spend Your Hard Earned Money Carefully” ….. Buying Happiness

Background:

META BANK and the Network Branded Prepaid Bank Card Association have created a product that will make you miserable. Each of the two entities mentioned above make promises to consumers that these prepaid cards will be safer than using cash. This is true for the bank, but not for consumers. It is a gimmick for the bank to get full control of your “CASH MONEY” so they can get an interest free loan from consumers. When consumers need their money the most they simply can’t get access to their own cash money once it is placed on one of those prepaid cards. META BANK brags that they are the largest provider of prepaid bank cards. META BANK makes consumers extremely unhappy. As consumers you would do yourself a great service by simply not using META BANK. Unfortunately, META BANK operates using a third party to promote their prepaid bank cards and their prepaid bank cards are sold using different names. This means that you may not realize you have opted in to META BANK’s plan, which is by design a scam of their consumers. META BANK simply moves onto the next consumer to scam them relying on a large population that is growing rapidly.

This blog was created by consumers for other consumers. We need to bond together, share the reality of our lived experiences, and serve to protect others who are people who are a lot like us, consumers who are looking for a fair deal and to be treated with respect.

META BANK’s treatment of consumers had become so outrageous that something needed to be done. It has already taken on an international scale and magnitude. META BANK is the rich stealing from the poor so that they can get richer and richer at the pain, misery and expense of the most financially vulnerable people in society.

This is a cautionary and truthful summary of what I experienced using a META BANK prepaid card.

However, we don’t want to leave you without a sense of hope. Michelle Singletary explains some ways to get your money to work for you to bring you happiness and she is spot on. Her October 4, 2013 column appears, copied and pasted below:

Michelle Singletary

Columnist Washington Post

Five ways money can buy you happiness

By Michelle Singletary, Published: October 4

You have probably heard and maybe even embrace the idea that money can’t buy happiness. I’ve said so myself numerous times.

But behavioral scientists and researchers Elizabeth Dunn and Michael Norton argue this is not exactly true. Money, if you spend it right, can buy happiness.

So what’s the right way?

“Shifting from buying stuff to buying experiences, and from spending on yourself to spending on others, can have a dramatic impact on happiness,” Dunn and Norton write in “Happy Money: The Science of Smarter Spending” (Simon & Schuster, $25). Dunn is an associate professor of psychology at the University of British Columbia. Norton is an associate professor of marketing at Harvard Business School.

Truthfully, I needed a break from all the dreary talk about the federal government shutdown and concern the country might default. So “Happy Money” is the Color of Money Book Club selection for this month.

I’m always trying to find research that looks at how people can do better with the money they have. I plan to use this book in my financial classes, where folks believe that if they just made more money, their level of happiness would increase. They could afford to buy better stuff, a larger home or cooler car. Yet studies show that more doesn’t increase your long-term happiness.

Dunn and Norton strive to show how to spend money in less typical but more pleasing ways. They offer five principles you can use to buy happiness:

●Buy experiences. As frugal as I am, my husband and I decided many years ago to set aside two weeks a year, every year at the same time, to take a luxury vacation with our children. My oldest has gone off to college, but she still wants to be included on these family vacations. As Dunn and Norton write: “Research shows that experiences provide more happiness than material goods in part because experiences are more likely to make us feel connected to others.” [META BANK has robbed us as consumers of opportunities like this because they withheld our money from us when we needed it the most. META BANK is not a friend to consumers.]

●Make it a special treat. Don’t overindulge yourself, the authors say, because “abundance, it turns out, is the enemy of appreciation. This is the sad reality of the human experience: in general, the more we’re exposed to something, the more its impact diminishes.” [Think about this: “Abundance is the enemy of appreciation.” You don’t need to keep spending money on things to be happier especially if buying things puts you into a state of debt…. “Keeping up with the Joneses” needs to be practiced in reverse. Purposefully down scale, downsize your image from all those Joneses…. Don’t worship the false God of money, greed and materialism. Life is best with less, but you should be in full control, real control of your hard earned cash money. Don’t hand over that right to an anonymous entity like META BANK. META BANK is motivated by greed and profit increasing at all level regardless of the rest of the genuine needs of humanity]

●Buy time. If you can afford it, you might decide you’d rather hire someone to cut your grass than do it yourself. You might spend a little more on an item rather than drive across town to save 10 percent. I’m a reformed bargain shopper. I realized I was wasting a lot of time going from store to store trying to save money. “We too often sacrifice our free time just to save a little money,” the authors write. “Many of us wish we had more free time to do more of what we love.” [Be sure that you get the service you have paid for…. META BANK prepaid card is not a genuine or honorable service. META BANK has scammed consumers over a period of many years. This is their sole purpose and they scam consumers by their own design.]

●Pay now, consume later.

[Please note Singletary is NOT promoting putting your cash money on a prepaid bank card, a gift card or a debit card here…. Please read carefully.]

“Consuming later provides time for positive expectations to develop,” Dunn and Norton write. Paying for a vacation in advance may help you enjoy it more because by the time you take the trip you won’t be so focused on the cost. At the same time, fight the power of now. This is especially true when it comes to paying with plastic. In one study cited by the authors, 30 people were asked to estimate their credit card expenses before opening their monthly bill. Every participant underestimated how much he or she had spent on credit by an average of almost 30 percent.

●Invest in others. I generally hate spending money. But when I helped a friend’s daughter by buying her books for college, I was elated. I was investing in her education, and that was an awesome feeling. My husband and I often get teased for our frugality, but we counter by telling people we are cheap for a purpose. We like spending money when it makes a difference in someone’s life. Dunn and Norton say their research shows that spending even small amounts of money on others can make a difference in your happiness level. [This means having control over how you spend your own money. Give directly to the person you wish to help.]

I love the five principles of happy money because they aren’t about getting more money but getting more out of the money you have. Let me leave you with this from Dunn and Norton: “Before you spend that $5 as you usually would, stop to ask yourself: Is this happy money? Am I spending this money in the way that will give me the biggest happiness bang for my buck?”

I’ll be hosting a live online discussion about “Happy Money” at noon Eastern on Oct. 31 atwashingtonpost.com/discussions. Dunn and Norton will join me to answer your questions. Every month, I randomly select readers to receive copies of the featured book donated by the publisher. For a chance to win a copy of this month’s selection, send an e-mail tocolorofmoney@washpost.com with your name and address.

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by mrnd5 on October 13, 2013 • Permalink

Posted in Bank Publicity that is simply "Garbage Talk", Bank Reform and Proper Regulations are Needed, Bank Regulations must be enforced, Bank regulators shut down MetaBank payday loans, Bank Scams go international, Banking, 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, 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, Blackhawk & METABANK to be avoided, Complaints Against Meta Bank, Consumer Advocate, 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 Need To Save Money And Stay Out of Debt, 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 isn't listed as being one of META FINANCIAL GROUP INC areas of interest or studied skills, debit card fraud is always a possibility, 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 take on more debt to pay off the first debt, Don't use PREPAID BANK CARDS of any kind, Economic Servitude needs to be studied and abolished in the USA, fees related to gift cards, fees required to talk by phone to NETSPEND, 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, Integrity, Internal Audit Committee at Meta Bank, J. Tyler Haahr, Jackson-Hewitt and METABANK are partners, 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 operates using many different names, META FINANCIAL GROUP, META FINANCIAL GROUP INC & PREPAID CARDS FAIL CONSUMERS, METABANK, METABANK as the alpha baboon in our society, METABANK causes the late fees for customers, 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 is a collections agency and not a bank, MetaBank is corrupt, METABANK lies to their own customers, METABANK operates using many different names, 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, Michelle Singletary gives good advice to consumers, narcissism in US banking, NBPCA is a scam on the American public, NETSPEND is METABANK, 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, PayPower Visa by 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, Publicity or Factual, Steve King (R-IA) received large campaign donation from James S. Haahr of Meta Bank, Storm Lake IOWA, 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, unbanked, Usury, Western Union and MetaBank have joined forces, Where There Is Smoke There Is Fire, Why does METABANK lie to their own customers?, Xoom and Meta Bank are one in the same, You may be dealing with Meta Bank under a different name

Tagged Appreciate, Are you being scammed by META BANK?, Banking, Elizabeth Dunn, For Consumers and By Consumers, Meta Bank, Michelle Singletary, Money, Money buying Happiness - How?, NETWORK BRANDED PREPAID BANK CARDS are nothing but a scam, saving, Spending

Posted by mrnd5 on October 13, 2013

https://mrnd5.wordpress.com/2013/10/13/say-no-to-meta-bank-say-no-to-the-network-branded-prepaid-card-association/

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? 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 Scams Americans, Meta Bank sells VISA and Mastercard Pre-Paid Cards, META BANK: Creating all the rules in their own favor, META FINANCIAL GROUP, META FINANCIAL GROUP INC & PREPAID CARDS FAIL CONSUMERS, META FINANCIAL GROUP INC continues to scam customers through the end of 2012, 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 =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 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 donates large amounts of money to re-elect Steve King, METABANK fails to hear and to respond appropriately to customer's real needs, 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 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'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, Money Network is META BANK, More behind META BANK's scam than we may have previously realized, narcissism in US banking, 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, Partner company - Jackson/Hewitt uses METABANK's PREPAID BANK CARD - avoid this scam, payment cards that carry hefty costs, Payment Systems, Payoneer uses top- of - the line secure technology and stringent regulations for customer authentication and identity verification, PayPower Visa by META BANK, Please help to stop the immoral banking practices of META BANK, Pre-paid Bank Cards don't work, 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, Publicity or Factual, Rules Designed BY METABANK for the benefit of METABANK, Scams by banks like METABANK, 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 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? 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?, Xoom and Meta Bank are one in the same, You may be dealing with Meta Bank under a different name

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/

Pay Power is METABANK and METABANK’s practices fail consumers repeatedly

Had METABANK not taken advantage of us, made us very vulnerable, and lied to us and to the Better Business Bureau of Des Moines, this blog would never have been created.

But the fact remains that METABANK lied to us, the partner company that sold us their product and to the BBB of Des Moines, IA. METABANK took our money, our cash money because that is the only way that a card can be loaded/re-loaded, and then kept us from having access to our own money when we needed it the most. This action made us even more vulnerable than if we had been paying directly using cash. The prepaid card only is a money making gimmick that serves to make the METABANK CEOs outrageously rich… This is not a sustainable pattern for the US Economy.

Why you don’t want a PAYPOWER VISA DEBIT issued by METABANK tm

#1 Pay Power is a METABANK product.

#2 The gimmick of attaching a direct deposit that will give you the added bonus of a $20 credit isn’t enough of an incentive given the fact that you will actually be giving complete and full control of all of your assets over to METABANK, an unknown and anonymous entity that you found online.

#3 The concept of a direct deposit is okay, but it has been so abused by METABANK that in their hands it becomes like a weapon against METABANK’s own customer base.

#4 Many customers, that is former customers of METABANK, have complained for years now that METABANK keeps them from being able to access their own money when they need it the most. METABANK’s customer representatives have lied to customers repeatedly for the reasons that the customers aren’t able to access their own money. The control that METABANK wields over their customers’ accounts has gone far beyond what can be considered normal and appropriate. METABANK’s customers are a huge cash cow for METABANK and create a “living hell” for customers who must give METABANK cash money.

#5 METABANK promises to provide safety and security, but this isn’t for their customers. METABANK is working to get safety and security for themselves. Once METABANK has control of all of your assets, your cash money, then you will discover that you can’t access your own cash money. You have been taken in by false promises.

# 6 METABANK is really a collections agency and not a bank in the sense that we have always thought of banks. METABANK relies on the consumers’ previously held impression of banks as being the safest place to keep their money. METABANK is a Member of FDIC and that statement may lull customers into thinking that METABANK will be in a fiduciary position to protect their customers’ assets…. METABANK is not and has never been able to deliver a quality product for protecting their customer base.

#7 METABANK relies on partner companies and internet ads to get new customers so they can keep doing the same old scam to a new batch of consumers. METABANK relies on getting a new batch of customers of whom they will then begin to take advantage for their own personal gain and at the expense and misery of the METABANK customer.

#8 Marketing strategies of METABANK involve the creation of new names for the same scam on consumers. This is one way that METABANK endeavors to get around the law… METABANK “is always one step ahead of the law.”

#9 METABANK creates all the rules governing their services or as it turns out for consumers ” a lack of real service accompanied by abuses.”

#10 METABANK helped to create the “Non-Profit” NPBCA to advocate for PREPAID CARDS in DC by using Rupli and Associates. It is a way for METABANK to make themselves appear to be legitimate…. What METABANK does with the prepaid cards is to abuse consumers. The cards are designed so that METABANK has control of your cash money. Customer Fees are attached to opening up the cards while METABANK is getting an interest Free Loan from those who can least afford to give out loans.

#11 METABANK is a “thrift bank”… This term is used to indicate the lowest level of customer service and the highest level of fees for the consumer.

#12 METABANK indicates that “No Credit Check” is required, but consumers have indicated that META BANK does a credit check anyway, but without your knowledge. METABANK is consciously looking for the more vulnerable people to give them loans at a very high interest rate.

#13 By creating a direct deposit from your salary/payroll check or government check that is affiliated with a METABANK debit card, you are becoming an economic slave for METABANK. As a consumer, you must understand that you are establishing a state of economic servitude for yourself by entering into a contract with METABANK.

#14 METABANK/NBPCA is like a Cancer: they are offering training sessions around the USA. Just look at their schedule of up-coming events. You may believe that you are not going to be affected by METABANK, but it may be that you already are one of their customers. The training sessions serve the purpose of normalizing the type of actions and the way that METABANK has scammed their customer base for a period of years now.

#15 METABANK created an organization that purportedly examines customer service and that organization gave METABANK a best customer service award…. While customers continue to complain about how they were abused and taken advantage of by METABANK.

#16 METABANK never accepts responsibility for the problems they have created for others, their own customer base. By design this cannot be a sustainable way to do business, but in the meantime, as consumers, we don’t want to become METABANK’s next victim as their system comes to a head and fails. METABANK is using a get rich quick scheme. It is not a long term solution for any bank or their customer base.

#17 METABANK has as its parent company META PAYMENT SOLUTIONS and META FINANCIAL GROUP INC… METABANK really isn’t at its core a bank in the conventional sense that will protect their customer base’s assets in a mutually beneficial arrangement. Empty promises are used to lure in customers; METABANBK has no intention of providing those services. Years of consumer complaints have proven this to be true. METABANK advertises for employees who are willing to work in a fast paced, ever changing scenario and who can deal with angry customers. METABANK expects “angry customers” because at the heart of what they are doing, even METABANK knows what they do is a fraud and an abuse of their own customers for their own get rich quick scheme.

All that we can do is to try to warn others about this problem:

METABANK relies on the internet and partner companies to push their prepaid card.

METABANK makes promises and implies services they have no intention of ever giving their customer base.

METABANK relies on keeping their customer base at a distance. Customers have been charged for phoning METABANK. Many customers say that they get the run around from METABANK when they phone. It appears to consumers that the METABANK phone representatives have been given a list of reasons for why consumers can’t access their own money. The underlying message is always that IT IS THE CUSTOMERS’ FAULT FOR WHY THE METABANK PREPAID CARD DOESN’T WORK

METABANK has never shown any kind of real and genuine response to their customers’ complaints. The customers complain about the identical mistreatment and METABANK has never ever actually addressed their customers’ input nor their real needs. METABANK’s publicity says one thing, but the actual customer service will be totally different and horrible.

Please be advised to ” DO NOT BUSINESS WITH METABANK” or with any other bank or partner trained by METABANK

The old saying that your parents used to tell you that “just because everybody else is doing something, it doesn’t make it right”…. METABANK and the NBPCA may provide training events to promote and to normalize what they are doing, but what METABANK does and how METABANK operates is immoral and an abuse against society and humanity in general for their own personal gain… Consumers are being warned to no do business with METABANK or any entity that has been influenced by METABANK.

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by mrnd5 on February 21, 2013 • Permalink

Posted in 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 REFORMS NEEDED TO BE CAREFULLY REGULATED, Bank Regulations must be enforced, Bank Regulatory Reforms are Needed, Banking, 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, 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, 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 suffer at the hands of METABANK, Corrupt Practices found within METABANK, Customer Complaints Abound Regarding how METABANK treats them., 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, 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?, Don't Invest in META BANK, don't take on more debt to pay off the first debt, Economic Servitude needs to be studied and abolished in the USA, electronic banking, End Overdraft Fees, fast paced banking systems, fees related to gift cards, Fight Corruption, Financial Regulatory Reforms Needed, Get Debit dot com is Meta Bank, 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, herd behavior, Holiday Gift Cards: have hidden fees, http://wwwbankmetacom/Contact, Human Rights, If in debt, Internal Audit Committee at Meta Bank, Internal Audits not able to cope with problems related to prepaid bank cards, J. Tyler Haahr, Jackson-Hewitt and METABANK are partners, Jackson-Hewitt tax preparation services to be avoided, Just Curious About Meta Bank's Ad Placement, Just try to save, marketing is basically Meta Bank's major strength just behind collections, Meta Bank, 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 never accepts responsibility, Meta Bank operates using many different names, Meta Bank Scams Americans, Meta Bank sells VISA and Mastercard Pre-Paid Cards, Meta Bank uses empty verbiage, META BANK: Creating all the rules in their own favor, META FINANCIAL GROUP INC, META FINANCIAL GROUP INC & PREPAID CARDS FAIL CONSUMERS, 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 =TURBOTAX and both are scams, METABANK average employees earn wages below the poverty level, METABANK causes the late fees for customers, 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 donates large amounts of money to re-elect Steve King, METABANK fails to hear and to respond appropriately to customer's real needs, 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 PREPAID CARD, 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'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, Money Network is META BANK, More behind META BANK's scam than we may have previously realized, Narcissism of Storm Lake IOWA, 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, Partner company - Jackson/Hewitt uses METABANK's PREPAID BANK CARD - avoid this scam, payment cards that carry hefty costs, Please help to stop the immoral banking practices of META BANK, Predatory Practices of BankMeta.com, PREPAID BANK CARD FRAUDULENT PRACTICES, 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, Scams by banks like METABANK, seek revenue growth for themselves not you the customer, self-centered, self-motivated, self-serving, Stay Out of Debt, 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, This is not a sustainable pattern for the US Economy., Tricked by METABANK's publicity, Truth, Two problems found in METABANK's "No Credit Check" Cards, Usury, Western Union and MetaBank have joined forces, 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?, Xoom and Meta Bank are one in the same, You may be dealing with Meta Bank under a different name

Tagged " DO NOT BUSINESS WITH METABANK", "No Credit Check" is not true - METABANK is seeking financially vulnerable customers, advertising, better business bureau, business, cash cow, collections agency, DIRECT DEPOSIT in METABANK's hands becomes their vehicle for abusing their customer base., marketing, METABANK creates bogus awards for themselves, METABANK expects "angry customers", METABANK gets others to do their dirty work, METABANK is a thrift bank, METABANK is creating a form of economic servitude/slavery is back, METABANK scammed us, METABANK's practices are the terrorism within the USA, Not sustainable but a get rich quick scheme for the METABANK CEOs, partner companies used by METABANK to get their list of customers, Pay Power is a METABANK product, This is not a sustainable pattern for the US Economy., What is a THRIFT BANK?

Posted by mrnd5 on February 21, 2013

https://mrnd5.wordpress.com/2013/02/21/pay-power-is-metabank-and-metabanks-practices-fail-consumers-repeatedly/

BankMeta.com

METABANK Scams their customers over and over again

you’re not alone

Nov 14, 2009

I purchased an Only1 prepaid debit card for gasoline purchases to avoid using my bank checkcard and to pay at the pumps. The card I purchased was a $100.00 card.

The total cost was $106.00 at the register.

The following morning I tried to use the card at the pumps only to discover the card was only good for in store purchases.

I prepaid for $20.00 worth of gas and left with the intention of spending the balance immediately and eliminating the card.

Imagine my surprise when 30 minutes later I discovered the balance on the card was $5. Thats right!!! I paid $106.00 for a card with a purchase value of $25.00

Please complain to everyone , everywhere until we get the proper customer service we need as consumers….METABANK hasn’t provided proper customer service and they apparently don’t have any intention of giving proper customer service…. As consumers we must speak up for our rights!!!!!

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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 REFORMS NEEDED TO BE CAREFULLY REGULATED, Banking, banking in Storm Lake IOWA, 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, Be sure to vote and then to follow up asking elected officials to serve you as a consumer, but it is still Meta Bank's same service and poor quality, Complaints Against Meta Bank, Consumer Advocate, 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 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 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, Disabled Veteran abused by METABANK, Don't Invest in META BANK, Don't use PREPAID BANK CARDS of any kind, Economic Servitude needs to be studied and abolished in the USA, electronic banking, End Overdraft Fees, fast paced banking systems, fees related to gift cards, Fight Corruption, Financial Regulatory Reforms Needed, Holiday Gift Cards: have hidden fees, Human Rights, 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, 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 operates using many different names, META BANK same poor service as always, Meta Bank Scams Americans, META BANK: Creating all the rules in their own favor, META FINANCIAL GROUP, 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 average employees earn wages below the poverty level, METABANK causes the late fees for customers, METABANK customers are still being scammed, METABANK donates large amounts of money to re-elect Steve King, 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 both Pyramid and Ponzi Schemes, 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'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, 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, Ordinary customers can't get the METABANK PREPAID CARD TO SERVE THEIR NEEDS, Pre-paid Bank Cards don't work, PREPAID CARDS are not consumer friendly, PrePaid Name Brand Bank Card Association a non-profit is a scam, self-centered, self-motivated, self-serving, shift the cost of handing out financial aid money from universities, 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, sustainable banking, Terrorism within the USA, Tricked by METABANK's publicity, Two problems found in METABANK's "No Credit Check" Cards, US Government needs to seize Meta Bank's assets, 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? 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 Boycott Meta Bank, business, Deceptive Marketing Tools Only Help Meta Bank, gasoline purchases, Have you ever had any luck getting things resolved with Meta Bank? Did Meta Bank ever change the terms without warning?, Meta Bank lies, prepaid debit card, proper customer service, we can't access our money at all, Where did all that money go that had been placed on the prepaid debit card????

Posted by mrnd5 on February 19, 2013

https://mrnd5.wordpress.com/2013/02/19/bankmeta-com-2/

Mrnd5's Blog

All posts in category METABANK practices are dragging the economy down

out·ra·geous

Full Definition of OUTRAGEOUS

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

METABANK Scams their customers over and over again

Please complain to everyone , everywhere until we get the proper customer service we need as consumers….METABANK hasn’t provided proper customer service and they apparently don’t have any intention of giving proper customer service…. As consumers we must speak up for our rights!!!!!

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All posts in category METABANK practices are dragging the economy down

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?

At Work: Job, self-esteem tied tightly together

Feedback on the job can be a buffer against depression.

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

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

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.

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

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.

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

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.

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

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.

Meta Bank

Meta Bank told me that they had no contact information on file for me, but this is a complete and outright lie.

Why did Meta Bank feel the need to lie?

It was this need to lie to me as their former customer rather than to try to resolve the problem that Meta Bank had created that drew my attention. Then after that on-line, I saw that many, many other customers had complained about almost the same identical problem.]

[Therefore, we strongly urge any potential investors to seriously re-consider whether it is appropriate for them to invest in bankmeta.com or NASDAQ:CASH]

On one of the links of the Meta Bank Website, we found the following which further highlights the fact that Meta Bank fails to address customers clearly expressed concerns with the METABANK PREPAID CARD.

METABANK once again is talking down to customers as if we are an inconvenience but necessary source of income.

Prepaid Exaggerations

fal·la·cy noun. plural. fal·la·cies

out·ra·geous

Full Definition of OUTRAGEOUS

[If MetaBank hadn’t scammed us, lied to us and abused us, there wouldn’t have been any need to even create this blog site.

Bank reforms and far better banking regulations that are independently enforced are needed.

Meta Bank hasn’t acted as a friend to even their own customers. Metabank’s practices are counterintuitive so they have made a lot of money very fast almost as if no one was paying attention.

Those people who have been taken advantage of, lied to and abused by METABANK remember how they were treated. We want to protect other consumers.

Please do not invest or encourage METABANK to continue to abuse consumers.]

Visa Prepaid Card Programs

Need more Information?

Employee Rewards

Customer Incentives

Cards are issued by MetaBank TM, Member FDIC, pursuant

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

Five ways money can buy you happiness

Consumer Complaint about PrePaid Bank Cards

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

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

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.

Please do not do business with METABANK.

Please do not use PREPAID BANK CARDS.

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)

Why you don’t want a PAYPOWER VISA DEBIT issued by METABANK tm

METABANK Scams their customers over and over again

Please complain to everyone , everywhere until we get the proper customer service we need as consumers….METABANK hasn’t provided proper customer service and they apparently don’t have any intention of giving proper customer service…. As consumers we must speak up for our rights!!!!!

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Meta

Cards are issued by MetaBank ^TM, Member FDIC, pursuant