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Meta Bank iAdvance


Rudest customer service

Complaint Rating:  83 % with 40 votes
83% 40
Contact information:
Meta Bank iAdvance
United States
Iadvance Meta bank, Wow, what I thought was an awesome service and still do has become disturbing... I like the services offered and they are a need but with the customer service I have been provided in the last 2 days I will no longer be using these services... I really like these services but I have never been talked to by any public service or private business like I have in last 2 days. Lied to is an understatement, kept on hold. I was told I would receive a call back in an hour by a supervisor... He sounded like he wanted to help but how can he be a supervisor?? Why would any corp allow or have such a person represents their company... Especially when it is involving someones money... not a product but ones money... after being put off 3 times with promises of a call in an hour I am closing all accounts and the sad part is meta bank just lost a very big account as I work for a very large company and was in the process of referring 150 people to this and 90 were enrolling for sure for direct deposit. Very sad that a company can not find stellar CS reps... Very sad a company can not control this and allows their reps to speak to anyone they way they want to... I think this goes on because most people who use this banking system have bad credit and need this service. I DO NOT need it and think it is sad that people who are less fortunate in money situations are treated differently and with less respect. I do not recommend anyone to use this service or any services meta bank offers as they have no respect when they have control of your money and you need there services. Pay cash get a real prepaid credit card do not fall into this trap of lies and verbal abuse because they think they have an upper hand on you. My self and 2 grown children have been using these services for over a year now and we all are canceling all of our accounts... It was great to use this service for my children and I to send each other money with no fees etc but not worth the verbal abuse and disrespect one receives when calling this office.
Complaint comments Comments (45) Complaint country United States Complaint category Business & Finances


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N  15th of Aug, 2010 by    0 Votes
Let me help you out!
1st.. if you read the packet or the brochure then YOU'll know what the card features are.. and PEOPLE starts complaining and whining with out knowing or trying to check what really happened..PEOPLE will just stick on what they believe.. I don't have any against these BANK.. since I start using it.. I loved it.. because I researched and read their TERMS and CONDITIONS 1st.. even buying a box of cereal..you'll 1st read the content right? SO you HATE people if ALL YOU NEED TO KNOW is READ??
The CSR are polite and respectful.. remember DOGs will Just BITE once PROVOKE..
D  23rd of Sep, 2010 by    0 Votes
Ive gotta Disagree with most of the complaints as Ive had zero issues with Meta Bank or I Advance. As a matter of a fact IAdvance has helped me sooo much the past couple of months. I havent had any issues. Ive called customer service for questions and havent had any issues either not even a 5 minutes hold either. Ive noticed most complaints were from 2009, its now almost 2011. Maybe they fixed everything in thier customer service field? anyways Im happy with my services!
A  13th of Oct, 2010 by    +1 Votes
Metabank was closed this morning by the Government is what I was told by an Iadvance customer service Rep, Which caused me grief and worry, They didn't even give us notice that this was happening, I have an account now card and I have been using their credit builder every month and borrowing 600.00 for a year now to help me re-build my credit. Now I'am 600 short this month and cant pay my bills, rent, lights etc...I logged on this morning to find out this info, If I have of known this last month I would not have borrowed the 600.00.
A  13th of Oct, 2010 by    0 Votes
Any affiliate w/ Meta Bank. I was customer who had taken advantage of their rebuild your credit history program. As of today they're discontinuing the program w/o any explanation whatsoever. Plus your repayment method on file will remain in their system for I don't know how long. I just viewed my on-line account (account now)& now have pending deductions for more than what was agreed upon. I called customer service to complain, the rep tried to assure me that this was only a 48-hr thing. I'd just called back, the number automatically disconnect the call once you request a representative. I'm on my way to open a traditional bank account, to avoid this ever happening to me again. Plus, I will try my best to post how terrible this company is & pray everyone there will lose theirs jobs. I know thats a mean thing to say, but just the fact they train all this unlawful information to persuade customers to make an extra buck. Especially, how the economy is. If you're one FB...stayed tuned.
N  13th of Oct, 2010 by    0 Votes
RE: Responsibility Dilemma
The Federal Government has just ordered IAdvance a loan division of Metabank to desist all loan advance activities which has caused many consumers financial distraught due to the lack of consideration for the Metabank customers. Netspend, another debit card issuing company, one of many owned by Metabank, has customer service representatives who deny having prior knowledge of this government order to desist all of its loan operations. IAdvance customers are now in a financial dilemma. Do you think the government (Office of Thrift Supervision) - Customer Complaints and Inquiries should assist the affected customers with recovery for the lacking of notification prior to the shutdown of IAdvance? Do you hold IAdvance responsible for the inconvenience and or damages that created hardships for their customers? Do you think Metabank should be the responsible party insuring adequate and timely notification and financial recovery of its customers? Is the government agency considered immune to penalties and not responsible in the matter of due consideration. Please continue to follow and post your opinions.
N  13th of Oct, 2010 by    0 Votes
I have been with metabank for four years now and have had absolutely no problem. It seems because many of you out there mismanage your money you want to blame someone other than yourselves...pay attention to your account, don't give your card number out to anyone or any company without reading their terms/conditions. It's sad that the rest of us who are having no problems at all and enjoy having this service available to us may suffer because of irresonsible people.
N  13th of Oct, 2010 by    0 Votes
Meta Financial Group Toll Free: 800-792-6815
…Is the holding company for MetaBank, thrift with about a dozen branches in Iowa and South Dakota. MetaBank offers standard deposit products and services including checking and savings accounts. Its lending and investment activities are weighted towards real estate and real estate-related assets; the bank also writes consumer and agriculture loans. MetaBank division Meta Payment Systems (MPS), the company's fastest-growing segment, provides prepaid cards and electronic payment services nationwide. Meta Financial also owns Meta Trust Company, which provides a full range of trust services.

Meta Trust Company
Meta Trust CO is a private company categorized under State Trust Companies Accepting Deposits, Commercial and located in Sioux Falls, SD. Our records show it was established in 2002 and incorporated in South Dakota. Current estimates show this company has annual revenue of unknown and employs a staff of approximately 1 to 4.
D  13th of Oct, 2010 by    0 Votes
I am a employee of Meta Bank and the iadvance program. I am very angry and some of the disgusting things some of my customer's are saying about my fellow co-workers! I assure you, this was not a decision made by Meta, and re-assure you that myself or any of my co-workers were aware of this decision prior to returning to work this morning. I find it very inappropriate and disrespectful that we are having OUR lives threatend over this. Again, this was beyond my control or my co-workers control, and for you to take it out on us personally is wrong. I personally appologize for the circumstances that have arrose over this issue, but please remember we all work for a living and we should not have to put up with any verbal abuse or threats over this issue.
D  13th of Oct, 2010 by    0 Votes
What I disagree with is the fact that the Feds can decide to move recklessly and subject numerous customers to threats from family members, friends, and other business personnel. Imagine some of those hospitalized customers assaulted for not paying up on time. Think about those with no air conditioning because the lights are out due to nonpayment. The missed trips and vacations, or even running out of gas on the highway thinking they would qualify for another loan. I'm sure there are many other instances that have hampered the livelihood of many. As an employee you should understand those threatening you may also already have been threatened by others they owe. It is a trust issue. The Feds should consider due process and allow recovery time for the iAdvance customers and allow Metabank to inform customers in a timely manner that they were under scrutiny and may be force to desist loan advance operations. Punitive damages should be contributive on both the Feds and the Metabank officials. I for one have not been threatened or suffered any type of extreme hardship, but those who have suffered as a result of this action should at least be offered extended time in regard to recovery damages.
D  14th of Oct, 2010 by    +1 Votes
I have been using MetaBank for over 2 years. I have never had a problem with them...ever. Earlier this year I started getting some charges on my card that were not mine. I called CS and they explained to me how the process worked. Some of the charges were refunded that day. Some I had to wait a few days to dispute. All contact from MetaBank after the initial call was handled thru the e-mail service provided with the NetSpend account. All e-mails were answered within their 48 hour window. All charges that were not mine were refunded promptly after the allotted time had passed.

I was offered the use of iAdvance so I signed up for it. My initial amount was $40 and I almost decided it was a waste of my time. After some more thought, I decided to give it a try...not that I really needed the money but I figured I would use it a few times and see if my limit went up. After each advance was paid, the limit steadily increased. All iAdvance loans went without a hitch. Once I had reached my maximum limit I stopped using it. It was nice having a little piece of mind knowing that if I ever got into a pinch, I had iAdvance to fall back on.

Well, yesterday I was in that pinch. I called the automated system to request an advance only to be routed to CS. I was told that effective 10/13 (the day I called seeking a loan) the service was no longer available. The CS rep sounded like she was having a bad day...which I am sure she had already answered a few hundred calls and had explained the same thing a few hundred times that day. While she didn't seem all that chipper, she certainly wasn't rude or disrespectful toward me. She made sure there wasn't anything else she could do for me before we hung up.

I am sure I can find a way to get by till next pay day, but having some extra money right now would be really nice.
I wish I had been notified that this service was going to be discontinued instead of finding out when I REALLY needed the service. Aside from that, I have no complaint with MetaBank and will certainly continue my service with them.
N  15th of Oct, 2010 by    0 Votes
Thank you for your positive input 001HaPpYcUsToMeR,

I want to share with you a positive finding regarding this dilemma, and later seek out the real reason the Feds ordered the desist on iAdvance:

Work Cited: http://www.newyorkfed.org/research/staff_reports/sr309.pdf

Payday Holiday: How Households Fare after Payday Credit Bans
Donald P. Morgan and Michael R. Strain
Federal Reserve Bank of New York Staff Reports, no. 309
November 2007; revised February 2008
JEL classification: G21, G28, I38

Payday loans are widely condemned as a “predatory debt trap.” We test that claim by researching how households in Georgia and North Carolina have fared since those states banned payday loans in May 2004 and December 2005. Compared with households in states where payday lending is permitted, households in Georgia have bounced more checks, complained more to the Federal Trade Commission about lenders and debt collectors, and filed for Chapter 7 bankruptcy protection at a higher rate. North Carolina households have fared about the same. This negative correlation—reduced payday credit
supply, increased credit problems—contradicts the debt trap critique of payday lending, but is consistent with the hypothesis that payday credit is preferable to substitutes such as the bounced check “protection” sold by credit unions and banks or loans from pawnshops.

Key words: payday credit, consumer welfare, bounced check protection, informal

The debt trap critique against payday lenders seems based on three facts: payday
loans are expensive (“usurious”), payday lenders locate near their customers
(“targeting”), and most payday customers are repeat (“trapped”) borrowers. After
documenting that the typical customer borrows 8 to 12 times per year, the CRL (Center
for Responsible Lending) concluded:
…borrowers are forced to pay high fees every two weeks just to keep an existing
loan outstanding that they cannot afford to pay off. This …”debt trap” locks
borrowers into revolving high-priced short-term credit instead of …reasonably
priced longer-term credit (Ernst, Farris, and King 2003, p. 2)

Contact you again!
N  15th of Oct, 2010 by    0 Votes
Here are some extra agencies to contact:

here is the information I stated in previous comment as to why this order to desist:


http://www.getdebit.com/debit-news/4383/metabanks-iadvance-product-paused-by-gov... />

I think adequate information is provided here.
D  15th of Oct, 2010 by    0 Votes
One area of mention;

They all knew well in advance!
We wonder why if the notice to desist was cited in August, why is the October 13th order to desist such a surprise to so many?

Here we find a voluntary avoidance of admittance, and to properly inform the customers who helped Netspend and Metabank gain enormously in millions of dollars of profits well enough in advance of their foreseeable shutdown by the Feds.

We the customers were kept in the dark to insure iAdvance collected money owed.

Had we all been notified (customers) we would have decided to close our account still owing and they (profiteers) all knew!
N  15th of Oct, 2010 by    0 Votes
I brag to everyone about how my account is better than there bank. How I get my deposit's 2 days before them and the lack of problems I have with my account. If I go over $1 dollar I am not charged $45 or more and how happy I have been since 2006 with my account. Netspend is a subsidiary of MetaBank that took over from Inter National Bank. I have been EXTREMELY happy with my service with them.

With that said, I only recently found out about and started using iAdvance and it has been GREAT!! I have been doing just like most everyone here. I need the money now for car repairs etc. and enjoyed help with my credit. We were not told in advance (pardon the pun) of this for the very reason "aljpromo" stated. If they had most wouldn't of paid back and closed there accounts with Netspend (MetaBank). It was a business decision.

I DO NOT blame MetaBank myself for this, I blame the Government. They are the one coming in and causing the problem all because they are probably not getting a big enough slice of the pie. If there was a problem with whatever issue the bank/iAdvance was doing they could of allowed time to fix it like they have and do for all the Rich/Wealthy companies and people. Once again it is a bash on the head by the government to the middle/low class because we don't matter.
N  15th of Oct, 2010 by    0 Votes
this is some real crap, how can they do something like this with no warning...i am on p...offff...ddddd...individual...what a bunch of crapp...
N  18th of Oct, 2010 by    0 Votes
I agree with a great many posters here, the IAdvance arm of MetaBank/AccountNow! was an extremely helpful service. I feel that if the government wants to shut it down that the FDIC needs to pick up the tab for the loans that are presently outstanding this month! Personally, IAdvance had saved me greatly in the past several years. Living on a fixed income, sometimes my expenses are way more than what my Government Checks can handle. I have cut everything but food out of my budget and still have problems sometimes paying simple bills. I am disappointed that MetaBank had to shut down it's IAdvance service without having a suitable replacement for it lined up for people this coming month! I was told by a MetaBank/AccountNow! Customer Service Representative that there are plenty of online services that will deal with MetaBank, this however is faulty information as almost no ONLINE LENDER will deal with MetaBank. All I keep getting is handed to referral services that hand me to endless referral services without gaining me one cent in my account! At least with IAdvance I did not have to deal with that headache, when I needed money, I had money! The Federal Government may see this as protecting people, but, this is not protecting anyone!
Does anyone know of a Faxless Payday Service that deals with customers of MetaBank? If so, email me at Christopher_Morvant@hotmail.com
A  19th of Oct, 2010 by    0 Votes
I had a credit line of 560 dollars i put the car in the shop today knowing i had that credit line set up only to find out this morning that the service is now gone. Not one dam letter or even a email .I am sure there will be people unable to pay there light bill food what ever it maybe with that said i would like to give someone an old fashion Brooklyn beating for the lack of respect of us customers That have been paying those high interest loan fees. In fact all of us netspend customers should leave them and go with one of the many other debit card company's out there dam walmart has one with direct deposit and all fees are half of the fees netspend charges i will end with i feel this company has done us all wrong and the only word that comes to mind is jerk offs
A  23rd of Oct, 2010 by    0 Votes
I am thinking about checking out micash, but here's what i understand i have a netspend card i'm supposed to deal with netspend 1st then metabank if netspend can not help me
N  23rd of Oct, 2010 by    0 Votes
o.k i really like my netspend card and i have had no problems till now.on November 28th my wife's car broke down, 275.00 too fix it so i went to iadvance and hoping to go back next month and get maybe a 150.00 just to soften the blow . but the government has screwed that up.we need to dump the republicans and democrats and vote independent.
A  25th of Oct, 2010 by    0 Votes
I don't like them either its a prepaid card so how is it that they told me that I over drawn my account and that I owed them money I closed my account and told them to wait on it

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