Bitcoin Forum

Hi all,

Regarding info bout mBank cards being blocked in Mateo's thread I personally contacted mBank to investigate. I'm Mateo's smaller time competitor, but this is kind of a common issue so we should all be eager on clearing this up.

Here's what I got:

The cards are only getting blocked if the bank suspects the card to be copied or used by unauthorized individual. I was informed that recently the cards were abused by using with maintenance-free gas stations which due to some delay in card verification allowed it's users to tank for free (with no balance on the card).

I have also been informed that you can retrieve all the money from the card by cooperating with mBank. At the moment the card is blocked you will get this information send to your email address provided during the registration and also in internet banking panel, also if you provided a phone number bank should call you immidiately.
So guys, did you get any kind of this info or the cards just stopped working?

As far as bank employee I spoke with was aware this has nothing to do with PP scams and other abuse so hopefully everything will be back to normal.

I also haven't got any reports from my customers on the cards being blocked or funds being held up, one of potential customers advised me bout the discussion in Matheo's thread and that's why I went to check this issue with the bank.

If you would have any further info or would like to describe the problems you encounter please don't hesitate and post it here, maybe we'll find the solution together

Cheers

"Cooperating" unfortunately means full KYC/AML disclosure.
Unfortunatly a few bad apples are ruining it for us all.

That's not true and they know it.

The cards were blocked in bulk.


What exactly is cooperating?

If it's like bernard says they can kiss my *ss!

My card is not blocked. The  status is active.

It just doesn't work.

I didn't receive any e-mail from them.

It would be very easy for them to block only the bad apples.

They decided to f*ck the good apples instead and now they'll lose everyone. The bad and the good.

In a perfect world no doubt.
Unfortunately most Banks still operate like...well like they always have.
Meaning they get a suspicious or downright criminal deposit from somewhere, they block all deposits from there.
Hence less work for them and more work for 99% of the customers.

And ideally you sholdnt have, afterall they are supposed to be anonymous.
Unfortunately MBank is on the war path, because of the few spoiled apples i mentioned.

To be honest that even pisses me more because I never did anything wrong with the card and got blocked  >:(

Even if I use another card without problems I'll never trust mbank the way I did.

They knew from the beggining that these cards may attract scammers so they should've measures in place.


I tried to contact mbank by phone but after asking for english support they left me waiting for 10 minutes and I hung up.

I just sent a very acid email asking what's going on and already gave them an IBAN to transfer the remaining funds in case they don't want to fix the card.

I also threatened to report this situation to ECB if they don't fix it. I know they don't give a f*ck about that but I was feeling like it.

If enough customers flood their email maybe they do something.

I'll wait to see what happens.

If they ask for personal info I'll give them everything because the funds I have there are more important than hiding my name but f*ck me deep if I ever use these co*ksuckers again!

 >:(

Anybody had any luck contacting Mbank concerning these blocks?
I wasted 30 GBP in phonecalls trying to get through to the relevant department just to keep on getting passed around and for them to constantly tell me to come into the bank in Poland (which obviously I cant).

Anyone have any ideas??

I didnt buy my cards from this forum. I brought mine from instantvcc.eu, who had all of their cards mass blocked. I spoke to instantvcc and they had every one of their cards blocked at the same time.

I sent an email to mBank.

Here's their reply:

And my reply:


I spammed this to a shitload of email addresses. Basically all I could find related to mBank and financial regulators in Poland.

I made up some email addresses based on these people names:

http://www.mbank.pl/en/about-us/bank-authorities/about.html (http://www.mbank.pl/en/about-us/bank-authorities/about.html)

The full list is this:

 
Some of them hit the fence but so far most of them went through.

 ;D

I've had an almost identical email back, however mine also asks me to email a copy of my ID (which I had suggested in the email to them):

Dear Sir,

thank you for your mail.

In reference to your message I inform that mBank put an authorization blockade on your cards.

Due to Terms of prepaid card issued by mBank S.A. paragraph 39 bank can put an authorization blockade or cancel card for security reasons.

To unlock your card please visit mBank branch with your identification document. You can find mBank branches with this link:
http://www.mbank.pl/o-nas/kontakt/lokalizacja/

Also if you can please send scan of your identification document. It may help in finding alternative solution in your situation.

I hope that those informations will be helpful and I am sorry for inconvenience.

W przypadku dodatkowych pytań zapraszam do kontaktu zwrotnego lub w innej wybranej formie: <http://www.mbank.pl/o-nas/kontakt/>

Z poważaniem
Adam Gruszczyński
Wydział Obsługi Klientów
Biuro Obsługi Klientów

Will keep you all updated.

They can block the cards but they can't keep the funds!

They have to provide a solution to withdraw the remaining funds.

They will certainly take their time until they cough up your cash, as you are not even a real customer of them.
The sellers could speed up the process, but it seems they already left the sinking ship.

Yesterday I activated a new card, I bought it in Poland.
It was new: EXP: 06/17
I sent money from my own account: 300 EUR and it is already blocked.
it would be my 3rd card, what is blocked, also I have OLD cards, they still work.
I did not top up them for 6-7 months, they have 1-5 euro, so I think if I top up them - then BLOCK.

All cards have status: ACTIVE. So you have to go to bank and give them your ID.
I am trying too to verify myself by email, I made a copy of a card and ID.
I hope they will write me a positive answer

At least they should send the money back to the originating account or block the transfers.

F*cking thieves!

I know banks can do whatever they want whenever they want but this can't be true.

If I lived in Poland and had a blocked card there would be at least one branch with their ears on fire!

Can anyone tell me how long they are taking to reply to emails?
I sent 3 emails Thursday and Friday and no reply so far.

Also, as anyone already been able to unlock a card either remotely or by walking into a branch in Poland?

This attitude from Mbank is fcking ridiculous. Scaming is their own problem so either they or the gas stations with shitty systems should bear the consequences not honest customers. Locking all my cards out of the blue for no reason in not normal business practice.
Sent them a email and will see how it goes... Worst case scenario I will have to take a 600km trip to the boarder of Poland and visit one of that crappy banks offices. Does anyone know how many offices they have got in Poland ? By the webpage it looks like low cost unknown bank...

Thats because they are part of BRE Bank(owned by German Commerzbank) aiming mostly at online "services".

Seriously!?
That's their excuse?
Some people are getting gas for free (how the fuck is that even possible in 2014!!!) so we're gonna block a shitload of cards and keep the money earning interest until we feel like it!

Makes perfect sense to learn that they're owned by some nazi bastards.

There are no polish members using these cards than can go to a branch and tell them what they need to hear?

That's a sneaky smart move not blocking cards used in poland.

It just shows they are deliberately screwing everyone else.

Very good mBank!!

What is the email address to contact to try and sort this out?

 pomoc@mbank.pl,
 kontakt@mbank.pl,
 corporate@mbank.pl,
 private@mbank.pl,
 cstypulkowski@mbank.pl,
 pgdanski@mbank.pl,
 jhessenmuller@mbank.pl,
 lJablonowska-Luba@mbank.pl,
 hDieterKemler@mbank.pl,
 hkemler@mbank.pl,
 cKocik@mbank.pl,
 jMastalerz@mbank.pl,
 mLesny@mbank.pl,
 mZielke@mbank.pl,
 mblessing@mbank.pl,
 sengels@mbank.pl,
 akarls@mbank.pl,
 TKanzler@mbank.pl,
 knf@knf.gov.pl,
 uokik@uokik.gov.pl,
 porady@dlakonsumentow.pl,
 leniency@uokik.gov.pl

What are the largest media groups in Poland?

Any controversial reporter that would pick this and ask mBank directly why they're stealing money?

Forwarded my emails with mBank to:

simon.steiner@commerzbank.com, ali.bicak@commerzbank.de, martin.kurz@commerzbank.com, marion.denner@commerzbank.com, dennis.bartel@commerzbank.com, michael.machauer@commerzbank.com, gunnar.meyer@commerzbank.com, constanze.kuschel@commerzbank.com, richard.lips@commerzbank.com, nilshendrik.happich@commerzbank.com, kathrin.wetzel@commerzbank.com, karsten.swoboda@commerzbank.com, melanie.loriz@commerzbank.com, monika.arens@commerzbank.com, ines.hennig@commerzbank.com, bettina.storck@commerzbank.com, silke.lerch@commerzbank.com, martin.halusa@commerzbank.com, kirsten.boeddeker@commerzbank.com, bernd.reh@commerzbank.com, thomas.kleyboldt@commerzbank.com, jutta.wellmann@commerzbank.com, renate.christ@commerzbank.com, margarita.thiel@commerzbank.com, t.bonk@commerzbank.com, sandra.fohlmeister@commerzbank.com, tim.seifert@commerzbank.com, claire.tappenden@commerzbank.com, us.media.relations@commerzbank.com, pressestelle@commerzbank.com

 ;D

mBank has not replied to my emails in the last 6 days.


EDIT:

I also asked for help in the Polski forum: https://bitcointalk.org/index.php?topic=756560.new#new

You can aswell forward it to Multibank, BREBank, Commdirect etc. it wont do any good.
The person who sold you the card has the proper contacts and he is the one who can change anything and speed up proceedings.

You should also ask for help any good psychologist...



Spamming/calling bank is bad idea. Just contact Your seller.

Did it work for you?

Received this today from mBank:

Just because you found somebody dumb enough to send you an absolutely non-relevant answer doesnt mean its a good idea.
I can only repeat, contact your seller, he is the only relevant person for you.

I did it, and he's M.I.A.
I knew that banksters are lowlife, but plainly stealing like this got me by surprise.
Is this crap supposedly legal?

This has been true since there is money. :)
The same goes for the seller M.O.H(missing on holidays).

That reply is better than: Bla bla bla you must come to Poland!

Many people (like me) doesn't know/remember who the seller was. I bought in allegro using disposable info.

Sorry, but thats what you get for saving a few bucks.

I wish I had known stuff like this before!

After 1 week, and after being requested to send proof of ID by email, I was told I must go to the bank in Poland.
The only alternative is to ask by phone to transfer money to another polish bank account.

These guys are fraudsters ... Clearly the whole cheap prepaid VISA card scheme was designed for this from the beginning.

I wonder why they asked for my scanned ID only to have it refused after that.

Can anyone tell if they already manage to get an account unlock by going to poland?
I don't want to take a 1000km drive only to be turned back without my money.

If they gave you that alternative take it right now! Send the money to a BZ card!

That would be great news.

Is this confirmed?  Tried and tested?  If it works I would buy a BZ card (to be scammed again -lol)

Just noticed now that this email from mbank was a reply to another email I sent to some people @bdb.de (http://bankenverband.de) and bcc to kontakt@mbank.pl

I don't think it's a coincidence at all ;D

And now apparently they are allowing transfers to other accounts? Another coincidence?  ;D

If more people were sending emails to the right places (I still want to send all this to polish sensationalist media) instead of bitching in forums things would move much faster.

Just my 2 cents...

Blocked also my card! Shit! Lost money with these bank-scammer!
This thread is in my watchlist! Hope to get good news!  >:(

You have an e-mail to send to a lot of people.

I made two transfers of $700 to my mbank card(bought from mateo a few months ago) a day ago,  now i accidentally saw this whole card being blocked thing...  Hope this goes well for me....

Here there is a card of "http://www.second-card.com/"  / podex blocked, no help from podex at all

Look at mateo's customers. They didn't save a few bucks and look where they are now.

It's very hard to know if your seller will be there when you need him...

there is no new information ? or any progress?  :( :(

FFS: You aint gonna accomplish nothing by spamming childish emails to a Bank.
Get yourself a lawyer and have him contact the appropriate department or get yourself organized and then get a quote from a lawyer.

I can suggest appropriate lawyers in Warsaw, if you need one.

for a few hundreds euros? A lawyer bill would be greater than what most of mbank card's users here were scammed of, and that's why it happened.
It could be feasible if we could pool in a sort of collective clause and share a single lawyer for a single trial. And even then, I don't expect to see any money back anyway.

First of all, you will certainly get your money back, as long as there is nothing illegal about it.
Secondly, there will never be a trial, at least not one that anybody but the bank can win, their contract is just airtight and they can throw unlimited lawyers at you.
The only way is to get them to speed up the proceedings and the way its been done until now, the employees laugh about those emails in their coffee break and will certainly keep the cash alap.

There are also lawyer portals in Poland that will get you an analysis and quote for free.

On a side note, you can also hire a notary, who will go to the bank for you, which is certainly cheaper and less hassle than flying to Poland.

May be better way to go to MBANK? I am going there in October. Give them my ID and hope to get all my money from 3 Prepaid cards.

Also, dont you think, that we re not only one, who has these cards.
I think, that a lot of people in Poland have the same cards, the same problems and they can go to bank anytime and I am sure, that they did it already.
May be someone has friends there or... who can google Polish forums to find any information about that?

Has anyone gone into the bank? I will be in Poland next week

So I used a BTC-e to withdraw on to a podex bank card over a week ago. Funds were taken out of my account and still have not shown up on my card. By reading all this it seems like the card was blocked. What would my next step be? Anyone have a clue?

hi all, I am from Indonesia
I have sent email to kontakt@mbank.pl, and got this reply

Dear Madam,

thank you for your correspondence.


Firstly I would like to apologize for the inconvenience.
According to procedures and regulations of the bank I need to confirm that your visit in any mBank branch is necessary to solve this issue.
Because of seriousness of this problem I cannot invite you to use any other form of the contact with the bank.
Security procedures for prepaid cards demand to confrirm your data personally in one of offices all over the Poland with your identity document where you will receive all explanations.

The status of your card stays active to make it possible to unblock your card.
But without visit in our branch your card will stay blocked.

You can also cancel the card and order the repurchase of money in one of two ways if your visit in mBank office is not possible:
1. In Internet Card System establishing an account number for the return.
2. or during the contact with our HelpCentre Cards Service: 48 42 664 73 44, 48 42 678 05 05.

This line is available 24h, 7 days a week.
English speaking cosultants are available everyday between 08:00 A.M. and 10:00 P.M.

You can order of the repurchase of money as transfer on any bank account (you need to have account in other Polish bank from 26 numbers) or postal order.


I hope that provided information will be helpful.

W przypadku dodatkowych pytań zapraszam do kontaktu zwrotnego lub w innej wybranej formie: <http://www.mbank.pl/o-nas/kontakt/>

Z poważaniem
Adam Gruszczyński
Wydział Obsługi Klientów
Biuro Obsługi Klientów

www.mBank.pl

Jeżeli nie jest Pani/Pan adresatem tej wiadomości, prosimy o poinformowanie nadawcy o jej otrzymaniu oraz niezwłoczne usunięcie treści wiadomości. Ta wiadomość może zawierać informacje poufne. Uprzejmie informujemy, iż kopiowanie, ujawnianie, dystrybuowanie, udostępnianie lub inne wykorzystywanie wiadomości jest zabronione i może rodzić konsekwencje prawne dla osoby naruszającej zakaz.

Thats some good news!
Anybody tried that?

BTW: The disclaimer states, that you are not allowed to publish this message. ;)

WTF is an "Internet Card System"? And then the message refers to some other Polish bank account for a refund. So the un-Polish remain phucked as before it seems.

+1 on posting results

Thats Polish for control panel. :D
https://companynet.mbank.pl/mt/fragments/prepaid/full.prepaidLogin.jsp

Ok. Received the same answer.

So if I understood right: I can give them any BANK ACC number in POLAND and then they will send my money back? Right?
or there is something different?

 ;D ;D ;D ;D ;D ;D ;D ;D ;D ;D ;D ;D ;D ;D ;D ;D ;D

Got my money transfered to a BZ card (gave them the IBAN of the card)! Already confirmed with an withdrawal.  ;D

Looks like a bunch of childish spamming emails worked after all bernard!  ;D

And before you all ask that's all I did. Spam spam and spam the same childish emails!

I sent to mBank, Commerzbank, polish, german and european regulatory regulatory authorities.

After receiving a reply from any of them I forwarded the whole enchilada to everybody again. Rinse and repeat!


 ;D ;D ;D ;D ;D ;D ;D ;D ;D ;D ;D

I am sure it was your spamming that got them moving.
Anyway, congratulations!

BTW: I sell those BZ cards.  ;D

LOL!

Thanks for pulling the strings in the back just to praise BZ cards.  ;D

But at least let me continue to believe that spamming did the job.

BZ rules!  ;D

mBank sucks!!! >:(

How did you received money?
You've contacted them on phone or they did all in email?

Please explain more, i'm interested in receive money with postal order.

You can only transfer it to a Polish account. For example to the cards i sell:
https://bitcointalk.org/index.php?topic=216629

I got an answer from them, I wanted to transfer money to a company, however got this answer:

Dear Sir,

thank you for your mail.

In reference to your message I inform that you should register your name and last name.

After ordering repurchase of money you will receive transfer within 30 working days.

I hope that provided information will be helpful.

Is this a typo or a joke?

It seems the better option is to buy a bzwbk card and ask to transfer to that IBAN.



You gave them scanned docs?
Real or bogus info?

That's not true. as wrote on email you can request refund with postal order

Oops, yeah i missed that.

Only the same exact bogus info I gave when registering the card.

I added the IBAN of the BZ card while I was on the phone with them and I wouldn't hang up until they didn't confirm that they were seeing the IBAN to make the transfer.

They confirmed they received it and that they would make the transfer.

GOT A NEW EMAIL!!!


Dear Sir,

thank you for your mail.

In reference to your message I inform that the only possible way to remove authorization blockade is visit in mBank branch.

Due to security reasons it is no longer possible to order money  repurchase from blocked card.

I am sorry for inconvenience.


Now they write that it is not possible anymore to transfer money to account. You have to go to Poland.

Got the same email...

So, only 1 member got money back?
Are you sure, that you got money back? Already on your new card?

any ideas? Anybody tried to send there a letter? complain, real paper complain to ask them to write you a good answer why is your card blocked and who will pay for airtickets and for hotel if you go to Poland.

It seems like only if you have more than 500-1000 eur on your card - you go to Poland.
If less... so nothing? It costs 200-300 euro for European to go to Poland. tickets, hotel. This way Mbank is stealing money.

IMHO, we need to send not email, only real complain letters could help. They have to answer why they block your card and why you have to go to Poland.
They have to answer on each letter.

I got my money transfered to a BZ card/IBAN. Confirmed!

I withdraw 150 EUR (max) yesterday and today.


Two words for you!

Spam and spam  ;D

Phone and email!

Do you already have the BZ card in hand to make the transfer?

Use the mbank portal to upload your BZ card IBAN and call them on the phone.

Say that you sent a ton of emails (if you did!) that you obviously won't go to Poland just because of this.

Ask to speak with the supervisor. Never hang up until you have a satisfying answer.

Be extremely annoying.

And spam spam spam. Mbank, Commerzbank, regulators in Poland, Germany and EU.

Always forward the emails (delete any info that doesn't favor your cause) to everybody when you receive a reply from someone.

ok.
No I have not yet this card. 5-7 days and will receive it.
Ok. I try to do that. spam spam spam, really do not want to go there....

Confirmed by mBank or do you have it on your BZ card already?

I already withdraw the money from the BZ card.

It's all the confirmation I need  ;D

Congrats.

Wait: they just changed their rules again!  :o

Yesterday I asked them to send my credit in a blocked card to a Polish IBAN, and this is their answer:

what email address are you guys using to contact mbank ?

anybody here from Poland? Anybody was in their bank?
I tried to find information about our problem on polish side, but nothing!!
only 1-2 posts about that and it is all. Seems like they block cards from other zone, may be by IP or ATM... or if you get transfer from other zone, not Poland - you get block.

they change their rules every day... 2 days ago they offer wire transfer and post withdraw, now only branch. what happen tomorrow?

Do you also did it by phone? Email? What email?

Where do you add the BZ card IBAN?



You gave the IBAN by phone?
Where do you add the BZ card IBAN?


Some polish help would be great.
If someone lives near a branch please provide some help!

This is mass block, it happened regardless of where You used Your card or Your balance, or Your limits or anything for that matter. Polish users did get blocked too without any reason.

I've wrote to Polish friend. It happened the same with him. And he gets same shitty answers from them, he's in UK and do not have possibility to go to branch, he even proposed mailing scanned docs - got ignored.

I've asked them if card will expire and to this time i will specify return IBAN will they send money there (it's stated in their TOS that after expiration funds are returned to specified account) for now they're ignoring my question for 2 days. And even if they answer in positive manner i still think that this money will never reach me, even after 2 years. As Banksters are just common thieves.

It's funny. We all know that prepaids like to be used in shady way, but most of use used it only for some small payments, did not exceed any limits and truth to be told - if You used card for almost a year it's hard to say that You used it in any fraudulent way, because it would get blocked in first month. It looks like it's just calculated action by mBank.

I give a week for trying to clear this situation up. I have 4 cards and almost 600$ usd on them and i will definitely not go to Poland to get it back (costs are much bigger). If after week nothing happens i'll already asked my Polish friend for some pointers to which financial portals/blogers/reviewers write. I will post that here to, then we can start spamming, even if fund will be not returned they will at least suffer a little. From what i heard it's one of the worst banking institution in EU.

Of course You can get a lawyer in Warsaw, but costs will probably still exceed amounts on cards.

You wrote that your polish friend got a block card too, but he use it in UK, also I think he has transferred money also from UK bank account.... even if he polish, his card was blocked because he used it in another country, or bank or something else.
These cards were for Polish people, so I think they have more than 10 000 cards in a country and if they get their cards block, IMHO: we could find information in Internet, anything. Today I can not find anybody who was in the bank.... NOBODY!!! Can you imagine that? If bank sold more than 100 000 cards and nobody was in the bank? I own more than 20 cards!!!! only I, but I think in Poland there are much more people, who has these cards and no information.

Anyway SPAM SPAM SPAM, I do not think it will help, simpler to have somebody in Poland, who can go to bank. For you: your friend has a family or friend in Poland, you can send cards there and they will authorize your cards, also I think it does not matter how much cards you have. For today I have 3 blocked cards and I am going to Poland in October-November. Anyway I hope that we could find any other possibilities to unlock our cards. I will spend 200-300 euro for this F***ing trip. And this is POLAND.... nothing there. ahhh WHY NOT SPAIN or ITALY?)))

The blocks are caused by a quota, if too many people abuse them, the bankstars have a valid reason to block them.
Especially when the US threatens to bomb them for being too liberal.

Against cards used to commit any kind of fraud, of course they have ground to freeze them. The same can be said about customers that used more than 10 cards.

Against sellers that bought thousand of cards and sold them to others, the matter isn't that clear. There is the rule that each person can't use more than 10 cards, but a seller isn't using them. If they let people buy cards to their children and friends, a seller isn't violating their limit of 10 cards. A family guy can buy more than 10 cards and offer them to their kids, family and friends. A corporation can buy many and offer them to its employers.

But it seems they are blocking all cards bought by a seller, if one of the cards he sold was used on a fraud.

Beside, they know many cards are being use by different people. The IPs accessing those cards are different and, specially, the withdrawals and the buying of things are being done in different countries. Therefore, they know they are blocking innocent people.

Furthermore, blocking the cards and demanding the owner to go to Poland is an abusive and unnecessary measure. If the owner has access to the card website of the bank and can spend the money with that information, he should have the right to enter an IBAN and ask for the withdrawal of the money.

They seem to be creating problems in order to keep the money. And that is something terrible, that a bank can't do without risking to destroy its reputation. And for a Bank, reputation is everything. Without trust, the bank is dead. Tomorrow, will have a bank run on itself.

They are crazy if they think they can get over this without consequences. The people they are abusing are mainly european citizens. A bank that does this to european customers will screw polish customers at the first good opportunity.

Send them emails and point to every thread on the Internet about this problem, including this one. Threat them to open more threads like this, making facebooks groups, etc.

I guess you could also send emails to authorities and the polish news sources, but that can kill these cards, including the BZ cards. A word of the polish parliament and the law will change, ending these cards. The pressure from abroad already exists. Point this to Mbank too. Their act can end one of their profit sources. They will make some money, stealing from their customers, but they will lose on the long-run.

My friend used them in Poland for almost a year. He did not EVER used it abroad. He did not used it for more than a month before block (money were on it) and it still got blocked, just after he left for UK. Yes, he can mail them to family or someone to Poland which will solve this problems, but it should not be like that. Cards were nameless by design, You did not needed to go to branch, show ID or got it block just for using it - that was not the deal. If You like to be treated as idiot by banks it's You choice. This cards were even advertise by bank (both BZWBK and mBank in that "privacy of Your funds") so let's not get carried away, because even banks did know what they're doing.

Of course is caused by fraudulent activities of user, not only Polish ones. These cards traveled the globe and were used by many kids for some small time scams - because You cannot use them differently, You'll not steal milions with them. So, because of this idiots all of us got blocked cards.

One thing i do not understand is this "Go to Polish branch" - wtf?! If You look at btc exchangers or any other kind of service which blocked user accounts or funds for some reason the most You were required to do is to sent good quality scanned docs, and if that wasn't enough a regular letter with the same docs was enough. Even fucking Mt.Gox did not require You to physically go to Japan ....

As for spamming i suggest to find mBank Facebook page and Twitter, if You browse thru it there's many negative opinions, not only about those cards ...

For the record, they didn't block all cards used by foreigners or used exclusively abroad. It was already stated here by some members that their cards weren't blocked.

It seems the criteria is mainly using a card bought from a seller that sold a card to a scammer. So, it's a matter of luck. And of having cards bought from small sellers, since the big sellers have a more high probability of having scammers as customers.

A trustworthy polish member could offer the service of receiving the cards by mail and going to a branch pick the money or unblocking them.

Maybe he can deliver more than 10 cards by asking some polish friends to go too in his place (the bank will register the personal information, so no more than 10 cards).

This is ofc only possible if you didnt register the cards.
Why dont you post in the Polish section and offer a nice reward?

Since it isn't necessary, I think most mbank cards were not registered. Why lose anonymity or lie about your identity, when you can use the card, recharge it and check balance, all anonymous?

I don't need this service. I just thought it might be an idea if the rest all fails.

Some people are already making these deals, but with little reputation: https://bitcointalk.org/index.php?topic=770153.msg8687743#msg8687743

So they can end bad for the card owner. Little will stop the polish intermediate to withdraw all the money at the bank branch, unless he has a reputation to care about and attesting his honesty.

You can certainly get yourself into trouble, besides giving up your personal data.

I will be in Poland tomorrow. I have two cards given to me by a friend. So, there is no point in even going into the branch with his cards?

I fear not, unless you have a copy of his ID and a signed statement empowering you(maybe).

I think it should be possible to return the cards at a Mbank branch, cancel them and withdraw the money, in order to avoid that any personal data to be available online to the owner.

Actually, this is one of the risks that the owner will be assuming. The polish intermediate running with his money.

And what about the Polish intermediate being used as a mule by some mafia like persons/organizations?

Anyway, like i already said, get yourselves a notary and all is dandy. Several persons could even use the same one, thus reducing the very moderate costs.

It's a matter of picking carefully customers. If one has 100 cards to cancel, that can be suspicious.

But no free lunches. Every job has it risks.

What?? It's not up to the customer to prove he is not a gangster.
If these fuckers think the customers are mobsters is up to them to go to the police and show whatever they got.

This behaviour of them is mafia like. That's true.

I can't believe some pissed customer entering the branch with a locked card and get out empty handed. And that is without showing any info.

If they didn't hand the money immediatelly I'd call the cops on the spot.

At least in some decent country that's how this would be done. And I've never been in Poland but I can't imagine it not being a decent country.

Remember this; they sold this as anonymous cards! They advertised it like it!

If they want to cancel them and not offer them anymore it's up to them. But they can't KEEP THE CUSTOMERS FUNDS!! Customers that followed the previous rules.



It's a possible solution.
I already gave my recipe. It works!

Dude, we were talking about possible help from Polish forum members.
You really need to chill sometimes.

Do you know anyone for this task?

Any notary can do this:
http://www.krn.org.pl/1197/Znajd%C5%BA+notariusza
Enter Warszawa twice in the last 2 fields, or any other city with an mBank branch and you can spam them all to get the best quote. ;)

This is throwing more fuel to the fire, but some posts make me wonder if they are not also picking the cards with more money:

Here https://bitcointalk.org/index.php?topic=254533.msg8526281#msg8526281 a member says only his card with about 500 euros was blocked, not the others with very low quantities.


Since Mbank has his website in several languages and, if I recall correctly, there is nothing in the its agreement saying anything against foreigners buying its cards, I also can't see any ground for them to screw the foreigners and ask them to come to Poland.

It's not very different from a situation where a Bank closes all his branches in the USA, except on Florida, freezes all cards, and says to its customers: if you want your money you all have to come to Florida.

Nah, I have 5 mbank cards. One of them had about 500€ on it and and four were basically empty. They all still got blocked.

Hello,

I posted this in the other relevant threads as well since I am looking for a possible solution to unblock my mbank card with around 720€ on it. For me, its not worth to make a 1200km trip in order to unblock it myself in Poland. The card has only been used to sell some bitcoins and nothing else. If someone can provide a secure way to release the money I would be willing to pay 120€ for that.

I assume that there are many people with this problem so if we all chip in there could be a substantial amount of money to be made.

I hope this an be resolved soon!

Good information.

It would be important to know if this mass blocking is over because it was due to particular cases or sellers and people that still have working cards can take the risk to keep using them (with very low volume transfers, of course) or if there are members that got their cards blocked recently and we are going to see currently working cards also blocked.

To someone that has 5 or 10 (https://bitcointalk.org/index.php?topic=254533.msg8741240#msg8741240) working cards, risking to send 100 euros to one is risking more or less the amount he paid for the cards. And he will avoid the hassle and risks of buying new ones from another bank (yes, I know, all sellers will write this is a very dangerous move). On the other hand, he will be working with (to say the least) a bank with very condemnable practices.

It's outrageous that they block the use of the cards, but still allow new transfers. If there is something suspicious about a card or its owner, they should bounce back all transfers! They seem to be hunting suckers: "Your money is very welcome (mostly, because we are going to keep it)".

Anyway, better wait one month or two and see how things go.

I actually agree with that, the blocks might be legal according to their TOS, but this is plain scamming.

Good move, however you want the card and 50% fee upfront? I doubt any member will accept that. He will be risking the card's money and the upfront.

You didn't make clear if the bank will demand the 4 digit secret code from you to unblock the card. If the owner has to send that to you, after unblocking the card you can pay yourself (with the consent of the owner) in any ATM. No need for an upfront.

If they don't demand the code and so the owner doesn't have to give it to you, even so the card will be useless, because you will have the number, expiration date and csv three-digit code (allowing you to use it on the Internet) and because I doubt the owner will trust the bank again. It isn't worthy the need to give you his address, the shipping time and shipping cost of sending the card back to the owner. Probably, it would be best for you to ask for the secret code (anyway, the owner will be risking that you will use the card on the Internet, even without the secret code), withdraw the money, take your cut and pay the owner the rest.

You would have ground to ask for a upfront only if the owner doesn't need and won't accept to send you the secret code. And, even so, escrow will be enough to protect you.

And some of the customers will say that you should also send money to an escrow, at least until you have enough reputation.

How is possible to have a check without trying in ATM machine or POS or spending money for an online transaction?
Thanks

If you mean checking if the card is blocked, try to log in on their website. The card shows up as active, but maybe there is some sign that the card is blocked.

The easiest way is indeed to try to buy something with it.

I doubt a notary will be helpful if indeed they are insisting that only the cards of polish citizens will be unblocked.

Unless the polish law about these cards states the contrary (and, even so, probably, this law will be against European Law), they can't limit their financial services to polish citizens. All european citizens have a right to equal treatment.

I don't have time to check, but I can't recall any limitation on the agreement about those cards to polish citizens.

If people band together and hire a polish lawyer, he can threat them easily to return the money. This won't have to go to court, because it seems a clear case, so it might be cheap. But it has to be a lawyer, because a notary can't threat them that he will go to a court.

But better wait one month or two. They can't keep acting like this, they will have to find a solution to foreigners.

I was under the impression they are still at the stage where they require foreigners to come in to get their card unlocked.

Yes, I figured that out, but it seems there are people still thinking about follow your suggestion.

Good for you, and im done helping.

You give up? :(

Nope, im just tired of being insulted for trying to help.

Try entering a wrong PIN in a ATM. If the card is not blocked it will tell you wrong PIN if you try to withdraw. If it is blocked you still get "unable to perform the transaction" no matter what PIN you use.

they've changed their rules 1 month ago. Everyone who exchanged bitcoins has broken their rule. Spamming them can cause permanently locked card - They have right to do it. It seems that mbank changed more of their rules.

If anyone need, I can offer cashout service :)

if anyone is interested, copy form below to notepad, fill it. encrypt it using my pgp. Upload file as attachment. As subject type: MBNBL14 and send it to nightauer@gmail.com You can also attach 2nd file with Your pgp. In maximum 24h You will get information if I accept Your request. You can donate 1$ now :)

Bitcoin address for payments: 1PXm3XxuwWBpe2A7WuDKQqcTEYxHNr2LT8

Bitcoin address for donations: 1KT4EuzR2rg9pjKtpcw82KZfGYqsmVeJJo





my pgp:

If you tell me HOW you will cash it out, then i will give you my 9 cards with 2k€.

take care.

You will give me Your cards or use my service ? :)

3 possibilities:

1. Mail sent to mbank. - I've sent similar to paypal 3 months ago. Result: 2 mails sent. No docs required. Total time: 10 days.
2. I'll go to mbank branch, show my ID and company registration info, if I'll find I'll take also ghost account docs - my old business account, closed by mbank, but it's still visible and I'm paying for account which shouldn't exists. Then I'll ask them wtf they're doing. and request money from cards back.
3. official letter which will be sent direct to their headquarter. I'll send them termination of agreement and request money from all cards.

---

To unblock your card you need to visit the bank's branch. You don't need to be a polish citizen but you need to provide an address in Poland where you are staying.

One card can be used by one person.

Notary won't help - that's what they told me.  If the notary will come with 10 cards - nothing can be done.

To unblock the card - owner need to register the card online and he need to proof his ID in the mBank's branch.
No other possibilities at the moment.

Sorry.

---

Very helpful thanks very much

I could also offer a similar service but I can't guarantee success.

You need a BZ card.

How much are you willing to pay for my time doing this?


Or you can read my (free!) tutorial some pages back.  ;D

Anyone made any progress??

cheers

I have 1 card to unlock.

What's my best option right now?

Probably, wait some time to see how things evolve.

Mbank will be under pressure to find some solution.

can we collect some experiences about cards alive and locked?

-status: working (supposed to, can't be 100% sure up today)
-currency: EUR
-typical usage: loaded by third parties via bank wires (source bank was almost never from Poland and almost always was registered to companies, but not famous ones, also sometimes a single card could have been loaded even from more then one source, bank wires addressed always to a same person and with field "reason of the payment" even quite specific but supposed to be not too much clear to understand from someone reading) emptied in a rush as soon were loaded (ok not always so fast) and day after day in different ATM machines around (none in Poland) RARELY used online or at restaurants/hotels/shops (none in Poland)

If everybody posting on this thread called them at least twice a day, I bet they would solve this in a heartbeat.

Get a voip account and start dialing.



-status: blocked - funds already sent to a BZ account
-currency: PLN
-typical usage: loaded by several third parties via bank wires (source bank was never from Poland ). Emptied in a rush as soon were loaded and day after day in different ATM machines around (none in Poland) RARELY used online or at restaurants/hotels/shops (none in Poland)

curiosity: why did you took PLN card if funding from bank never from Poland supposed they sent USD/GBP/EUR? This not only lead to heavy currency conversion (double, one upon funds load into the card, other when withdrawing) but perhaps triggered the security lock mechanism (I mean could be suspicious a a polish user having a PLN card has personal funds to be loaded that are USD/GBP/EUR)

second: how did you transferred into BZ account? Perhaps do you have registered the card (if so, before or later the block) and filled the IBAN and then asked transfer?



edit:
also, is there anyone locked that has card currency DIFFERENT THAN PLN?

Big nope!

I didn't choose wisely. I admit that.
When I bought it I wasn't aware of other currencies and I didn't bother.




They hinted that they would transfer the funds to other polish account.
I registered the IBAN in mBank website after the block.

After that I called them several times and "forced" them to make the transfer.

UPDATE:


After absolutely zero progress on transferring the funds I decided to take a 800km trip to Poland to visit a Mbank Branch as I was told on numerous times that is what I should do to unblock the card.
In Poland the nice ladies in the branch said they cant do anything about the blocked card as they dont have access to the card system. So I called the customer rep to ask why they had told me to come to a branch to verify my ID if they still cant open the card. I was given a big load of bullshit with different excuses and in the end they said I should contact the person who sold me the card. They never even wanted to copy my ID even though I insisted so I wouldnt have to go back again.
This is such BS and they are obviously finding ways not to pay the customers back.

If anyone is planning a trip to Poland just for this I would advise you not waste your time and money as it still wont give any results.

Ok.

This is just ridiculous now. I think that from this point there's only two solution for all of those (us) people.

1. Find the lawyer
2. Spam everywhere we can with really bad PR

And i think we should go with two. Can someone help with legal help? Someone in Poland maybe? Maybe some bitcoin "a-like" foundation in PL ?

Now it's just pure stealing.

This is few sites i found and i think we should start with

https://www.facebook.com/mBank.Polska  - OFFICAL MBANK FACEBOOK PAGE
www.mbank.pl/forum/  - OFFICAL MBANK FORUM

With these two they also have Czech and Slovakian version. Can be found easily. Writing here will propably only get Your IP banned and post removed knowing their approach.

http://www.money.pl/ - ONE OF THE BIGGEST FINANCIAL PORTALS IN POLAND
http://www.bankier.pl/ - SECOND BIGGEST FINANCIAL PORTAL IN POLAND
http://forbes.pl - BECAUSE WHY NOT? (They publish monthly ranking of banks in PL)
http://samcik.blox.pl/html - ONE OF THE MOST POPULAR POLISH FINANCIAL BLOG (guy even wrote about prepaids)

This is what i found for now and only with help of someone from PL as it's hard to find something using English.
Roslinpl could also help as he is in Poland. Don't get me wrong, this spamming will probably NOT get You Your money but if we ignore the fact that MBANK STOLE out money it'll happen again and again with different banks. Also, for now they are just trying to bury the problem because not many people know about it. Would You allow thief to take 2000USD from You and then do nothing? No. Even if police will not caught thief You still report it.

By spamming there's at least a chance that it will hurt them and they will just want to stop the bad PR. I'm waiting for opinion, i can provide polish translation on some limited basis from my native friend but all of the services listed above will accept messages in English (that's what friend told me). I would start with posting links to this topic, especially last post with "800km trip" because this is just below anything - I've also considered almost 1500km trip to PL but now ...

Why didn't you call local police and reported a robbery?

They told you to contact the person that sold you the card? Weren't they selling all the cards in the first place?

This is a pathetic behavior from them. I'd expect this kind of thing in a 3rd world country. I'm very impressed it's happening in Poland.

Didn't you show them e-mails where they specifically ask people to visit a branch in Poland?

I dont know how their chain worked but I think they had resellers or smth. Yeah they told me to contact the person who I bought the cards from and ask him to fill a form to get the money transferred or smth. I really dont see how this is even relevant as I am their client with all the information about the card and not the reseller. I also told them countless times I will not be able to contact the person but they kept saying that "this would be best for the BANK and you" .
I was really frustrated and there was nothing I could do on the spot anymore. I will be searching some help from Polish legal forums and file a complaint to local consumer protection agencies. Its not even about the money anymore as sum locked up isnt huge. I just want justice - even if I have to pay more for it than I will get back.

Mbank is going lower and lower.

You could ask for the complaints book of the bank. It should have one.

Probably, you can write a complain to the polish central bank and other polish regulators.

Above in this thread was published a list of emails. At least one member got his money back by spamming these emails.

You could try contacting KNF, I wonder what their response would be:
http://www.knf.gov.pl/en/dane_wspolne/complaints.html

You could also fill out this form (use Google Translate; hopefully they employ someone who's fluent in English):
https://www.knf.gov.pl/dane_wspolne/Serwis_konsumenta/pomoc/skarga_na_bank.jsp

I started contacting notaries like bernard75 suggested.

If any of them solves my problem I'll post here... for free.

This situation is just too ridiculous to be true.

One guy making a 800 km trip and come home empty handed is ridiculous.

And it's also ridiculous that polish members can't do more to help without charging abusive fees.

This is a plain robbery.

If they don't want to pay the money on the cards the least they should do is reversing the transfers to the originating accounts and that's what I'd tell them if this was in my country. I wouldn't leave the bank until they have done just that and if they didn't I'd call the police and and a tv channel to ask them what were they doing.

This is the least someone living near a branch could do except in this forum where it seems that nobody would fart without charging a fee.

As I wrote above, it's no use to hire a notary, you have to hire a lawyer. Only a polish lawyer can threat them with a law suit. You should join in and do a class action. A suit where many people join together against one, in order to lower the costs. You can open a thread about it, post your email and organize it.

But wait a month or so to see how this evolve first. Mbank can't just get away with this, they will have to find a solution. And spam some emails with complains. Look above on this thread about addresses where to send the complains.

A notary is just a representant, he can't do nothing. If they don't pay to the owner of the card in person, why would they pay to a representant?

They have to pay or reverse the transfers to the originating accounts. It's that simple.

What reason can they invoke not to?

Does anybody of you guys know why it says "Card data cannot be loaded, please try again in a few minutes"

Pic: http://s15.postimg.org/6x2lo0bnf/image.jpg

I didnt even used this card for anything, but it should be valid till 03/17... ???

i got the same today wtf

I am going to go to Poland again in a few weeks. This time I am going to go all the way to Warsaw and I am going to try to confront someone higher up in the chain and present them with a possible law suit. I have about 10 discriminating emails from Mbank with shit/explanations that are 100% illegal in the EU according to my local lawyer (ie you cant get your money back because these cards were meant for Polish people only etc). I think a class action law suit would be the best way to go - Mbank has had those against them before and they have always lost  ;) If anyone else is serious about suing them express your interest !

Your lawyer unfortunately sucks, there are no class action suits in the EU.
But as i said im done helping here.

What are you on about you coc*ky brick ?
No one has asked you for any help nor have I seen any useful information from you.
Quit trying to act important and instead improve you reading skills. Never have I said that a lawyer told me to file a class action suit. I clearly stated that I think it is a good idea as well. The reasons that Mbank is giving for not paying out the funds are illegal according to the lawyer.

A class action suit is tehnically a bit different in the Roman law than it is in the Anglo law system but essentially it is still the same thing !


Get your facts straight before trying to act smart:

http://arsa-conf.com/archive/?vid=1&aid=3&kid=60101-17&q=f1

http://www.sidley.com/EU-Takes-Steps-towards-a-European-Class-Action-06-12-2013/

http://techcrunch.com/2014/08/21/european-facebook-class-action-suit-attracts-60k-users-as-it-passes-first-court-hurdle/

http://wygralem-z-mbankiem.pl/2013/07/ripped-mbank-won-class-action-suit-ruling-confirmed/



Enough said....

Well, then go ahead with your idea found on the internet, exactly why i wont comment anymore.

I'm interested but I don't even think this is a case for a lawyer.

Like I said before they have to pay one way or another. They have to give you cash in hand or reverse the transfers to the originating accounts.

If they don't it's a street robbery! Call the local police and report it.

You can also call a tv channel and have them ask directly why are they holding funds from customers around the world against their will.

If you're going to Warsaw you can also visit these guys and ask their opinion:



Here's the address:

Location:

Komisja Nadzoru Finansowego
Plac Powstańców Warszawy 1
00-030 Warszawa


I don't know how good your polish is but it would be nice to have the help of some local polish members.

As far as I know, it's possible on all countries for people to join to file a joint action if the the factual and legal matter is the same and also the same defendant. In many countries even the court has the power to join these cases.
I would be surprised if Poland was an exception.
In any case, Mbank isn't crazy, it knows it will lose the case. Therefore, the lawyer doesn't have to file the case, it's enough to threat to do it. And to do that, the lawyer can threat in the name of many people, not just one.

Melo already went way beyond as a non affected person.
Please FFS read the whole topic and not just the last 3 posts.

I will sum it up for you, although there are valuable and unfortunately a lot of simply useless informations to be found:
1. Their contract with the seller and you as a victim is unfortunately airtight, hiring a lawyer would be just wasted money(which you even cant since you are not the involved party).
2. Melo provided well researched links, use those instead of spamming a bank.
3. They state that you need to come to their branch(ofc unreasonable), therefore get yourself a person legally representing you, like a notary for example.
4. Sooner or later they must release the funds of customers that acted within the legal framework, its just the approach that makes the difference in the length.
5. If you want to go public with that case, there are links in the topic that would even consider such a petty case(try it on weekends).

You are semi right, but this requires a lot of effort and the only one that benefits is the lawyer, since the judge can(and most probably will) just say no, this is too petty. Also you have to consider that you are going against a bank, that can throw endless lawyers at you and drag the process until you have run out of funds(and then have to pay for the attempt).

That hat was not for you since you supposedly stopped "helping" a long time ago.

I agree this is a petty case and that's why I said local police would solve it.

But if you think this is too petty for tv I guess you don't watch too much tv. Good for you.  ;D

If you want to act smarter than everyone else maybe you should unblock at least one card instead of insulting and sulking right after in every post.

We are all on the same side. The goal is to help. Let's try to avoid to get personal. If one doesn't like what someone wrote, just ignore it/him.

I'm afraid police won't intervene, like forcing Mbank to pay. Their goal is to keep the peace. At most is would be possible to make a criminal complain, but it would be for the prosecutor and then a criminal court to decide if any crime was committed.

If many people join in, it won't be a petty case, it will involve many thousands of euro. I bet some people lost real money with this.

You are right, i dont watch manipulative TV.
And please for your own sake grow up.

I'll take that advice.  ;)


Police can intervene.
The bank acknowledges they have your funds and they won't deliver them for whatever reason. If the reason is bs and it is in this case why wouldn't the police intervene? At least they have to come up with a good reason not to deliver funds immediately. And a better reason not to return the transfers to the originating accounts.

If they claim the funds are fraudulent is up to them to prove but even that doesn't give them the right to keep the money.

But anyway it's better to contact this KNF before going to the branch

Come on stop insulting people already.

Have you even read before this page?
He is the one constantly insulting me.

Fine.

Anyway, we should target at fixing this issue, not others. Any progress? It's interesting that a bank can just refuse to let customers withdraw their money. Could VISA help here?

I cant imagine how VISA could or would help.
Anyway, i have given lots of information and suggestions on the last pages.

VISA could block Mbank. It's VISAs cards Mbank is abusing. Of course VISA won't do it but they could and if this was bigger they would.

I think it's a good idea.

It's also VISA's name being dragged in the mud. They won't like to know it.

But to be effective the e-mail has to be very well written and be very specific on why mBank is hurting their credibility.

Hi,

I see people still struggling with mBank, together with another forum member we tried to help people as we're located in Poland, we made several trips to the branches to see what's happening. There's a similar thread at https://bitcointalk.org/index.php?topic=254533.msg9055522#msg9055522 and there's my comment, I won't past it here, if you're interested you can read it in the mentioned thread.

The point is that out of all the people wanting help, noone was willing to:
1) use an encrypted email service to talk about the details
2) reveal the transaction history (4 my eyes only)

Most of the ppl looking for help were newbie account, so still anonymous.

I'd like to look at the history of different cards to search for a common pattern that might be the reason for blocking. If you still need help and are willing to cooperate, I can give it a shot.

Kind regards,
Piotr

A member posted that he went to Mbank branches and call them several times and the final information Mbank gave him was that the cards could only be used by polish citizens and that was the reason why the cards were blocked. Later it seems he deleted the post where he wrote that, but he still states more or less that here (https://bitcointalk.org/index.php?topic=775730.msg8845280#msg8845280)

That reason never made any sense, taking in account that Mbank website uses several languages, I didn't read that in their agreement and that violated EU Law against european citizens. Also it doesn't explain why many foreigners still have working cards.

Even foreigners that went to a branch on Poland didn't receive their money back (https://bitcointalk.org/index.php?topic=746065.msg8905377#msg8905377)

It would be great to know the exact reason, because if the citizenship of the card owner isn't the reason and the blocks were caused by specific problems with the seller or owner of the cards, holders of active mbank cards could still use them (with small amounts).

On the issue of the transactions, anyone wanting to talk anonymously can use https://crypto.cat . However, I can understand why people won't be happy to give all details about their transactions. It shows too much about residence, habits, etc.

Besides, since they blocked cards massively, it won't be easy to figure out the reason by checking the transactions. The problem might be on the seller of hundreds of cards, not the owners; the problem might be on 1 of the 30 cards blocked, etc. It would be easier to ask again Mbank.

I can give you what you are asking for if you can help getting my money.

I wouldnt give anybody my data, just to get the cash asap.
The bank is under their conditions with your seller holding the money rightfully, but sooner or or later, they will have to comply with all claims(criminal excluded).

Hi,

I get your point, some data might be sensitive, so I can always agree to look at a censored version etc. It's enough to talk. If it's a complete nono, then fine, I'm not forcing anybody, just trying to help a bit. I'm not following the threads anymore, but I just got curious that the case still exist and that people who asked for help, having been granted a chance to solve the issue ( I needed to arrange a lot of stuff to be able to unblock a large number of cards) turned their backs without saying a word. There are senior users looking for help, but that is rare, most of the people were newbies. This may mean nothing, but it also may mean that those cards were used for illegal business. mBank didn't block the cards because they were used abroad, they didn't get blocked because a non-Polish citizen used them (how should they know), they got blocked because their AML issued an alert.



That's all well put. With regard to other comments from forum members, take mBank to court and lose more money and more time, good luck, if you're not willing to reveal your transaction history to me, then maybe you'd be willing to reveal it at court. Explain the judge why did you use an anonymous prepaid card instead of getting a bank account. Let's make this clear, most of you want to stay anonymous, and at the same time you're talking about taking them to court.

TV? I do understand that your funds are blocked, and I do stand on your side (I'm just trying to separate people who really need help from fraudsters), but do you really think that from the legal and moral point of view you'd convince TV to be on your side? In TV it would go like this "Angry group of blocked anonymous prepaid card owners who used the cards against the Terms and Conditions sues mBank for freezing the cards on the basis of suspicion over the use of the cards".

I can only advise the following: make up your mind.

Let us help you if you want to keep a certain degree of anonimity, but we don't promise that we won't end up in jail because of you and you'll have to bail us out (sorry for joking but I needed a but).

OR

Try to force them by contacting them, but do it in a coordinated manner, to show them that you're a group of people, but remember that legally, they're protected, not you, they are the ones complying with AML laws.

OR

Take them to court, provide your full identity and card details, but remember that it is you who breached the Terms and Conditions.

It depends on the tv/media you choose.

It could simply go like this: "mBank from Poland is freezing clients assets!!!"

If this was a big enough media group I guess they would move. Of course they would say they're fighting money laundering bla bla bla

At least he is doing something, other than being angry.
And this is Europe not controlled by Fox(although the cocksuckers tring to shift it more and more).

I agree with that.

thExit I'm sorry if it felt I was being ungrateful to you. By all means I'm not.

I appreciate what you're doing. If people don't agree with your terms that's too bad for them.

If I hadn't solve my problem at this point I think I'd send you my transaction history.



I live in Europe and I see sensationalist tv saying stupid things about banks all the time.

Don't get me wrong I'm not an advocate for banks but I'm not blind too.

In this particular case I wish mBank burns in hell  ;D

Btw, I don't think Fox would be stand against any bank.  ;) 

Sent you my card info

Check it and if you help let me know.

Hi,

it's not that I'm having terms, I'm just trying to be reasonable and methodical, choose what's best and do it as best as I can. If I need to choose 20 cards to unlock out of 50, I want to know that I choose those which have the highest probability of not causing trouble. My hint to you all, the majority holder of mBank is the German Commerzbank, and from what I've learnt at the local branch, Commerzbank is dictating the mBank current policy- I've got to know about a lot of innovative efforts on the side of mBank propmted by the German giant, this is the opposite side of what you've all experienced. High standard. Maybe this high standard goes in line with high standard AML... Don't know, but I'll definitely investigate the matter and still try to help.

Hi

Have you checked my card history?

Can you help?

Thanks

Today Mbank sent me a form called " Card complaint regarding authorization blockage".
Anyone else got the same thing ? I dont understand whats the point of the form but once again they demand that I should go to a branch with it.

I can't understand how a bank can block cards with bogus justifications ("only for polish citizens"), but still accepts new transfers to the blocked accounts; how it demands absurd acts, like going to Poland, and then even in that case doesn't give the money back; how it changes their terms for the use of the cards with no previous warning; how it seems to be treating innocents and alleged responsibles for  money laundering in the same way; and how it seems to be ready to keep their customers money without offering any serious solution: and still expects to be trusted as an institution that manages other people's money.

 
Do you guys know on what criteria the cards get blocked ?

Because I still have a card that works.

Many people seem to have working cards but the criteria seems inconsistent.

Do you live in Poland?

Have you made ATM withdrawals?

-----------

thexit saw my card history and said he'll be able to help.

I'll send my card to him and see what happens.

So, nobody else was able to unlock any card?

How many cards were unlocked until now?


They are scammers

The Debits are payout-blocked because of insurance reasons by visa.


The Best u could do is to find somebody in Poland who could payout
the debits.

I could offer you this service write me a PN but the money has to be legit!

mine was blocked (well there is only  2 eur on it so it's not the end of the world for me)  and all of the transactions were legit

http://imgur.com/UPEvttv

It seems they don't like McDonald's  ;D ;D ;D

the question is : where did you buy the cards from? who was the "reseller"?

yes, some people are having cards directly from bank but others don't...so, who sold you the Mbank debit cards?

anybody that can offer help recovering funds upon compensation?  PM

where did you buy the card from?

ANY ALTERNATIVE TO MBANK ANON CARDS?

Yes:
https://bitcointalk.org/index.php?topic=216629

Please pm me too or post here.

nobody is saying from where they got the cards :)   strange

Maybe because that's been proved to be irrelevant?

I bought mine from some seller on allegro.
I don't remember his name or anything else but he had a reputation good enough for me to send him a wire transfer.

What does that mean to you?

There's no need to think a lot about this.

mBbank unlawfully decided to keep customers money just because they can! They refunded some pains in their ass but they'll keep most of the money.

When it all started it made sense to question their reasons.

In the following months it became obvious what their intentions were from the beginning. You just need to read this thread!

Forget about resellers actions and everything else.

mBank is scamming people because they can! End of story!

well, anonymous cards are not allowed. maybe your reseller sold hundreds of cards by providing fake documents to bank .
Any EU bank MUST request documents when they are issuing a card.
 In accordance with international regulations financial entities are prohibited from releasing anonymous credit cards and prepaid anonymous credit cards.

it's useless to ask you if you have provided any document to bank because you did not :)

Mbank doesn't scam anybody. Next time ,you should think twice when you will "buy" a debit card from an auction website . :)

I am sure there is a compliance reason behind all these problems.

Everybody who is complaining about that, must think from where they got the cards. There it is the issue.

Either you are an mBank troll trying to deceive less informed people or you have no clue what you are talking about.

Why don't you read at least this topic since the beginning?

mBank is scamming people!

They still allow transfers to the accounts but they don't allow withdrawals. What would you call that?

There are people here who visited their brances like they asked to and they didn't release the funds. What would you call that?

mBank is surely scamming people! Nobody doubts that at this point!

1. I am not related with bank, payment system and so on. I am just observing the facts. Few resellers "bought" cards from a bank, they provided fake documents and then they resold the cards to "X,Y"(anonymous people). Visa  "heard" about this practice and blocked the cards in cause.The bank will suffer for that too. They can lose the contract with VISA because they did not respect the due dilligence and KYC.

2. "they" who? are these people "clients" of Mbank or their resellers? if so, they registered them self with the bank when they ordered the card? I guess not.

3. is the "account" open in your name?

4. I think VISA blocked the cards and not the bank. that's why the accounts are still open but you cannot use the cards.

5. VISA blocks the cards when it's about compliance. You bought an anonymous card because you have NOT provided any document so you took the risk.

Example of reseller : http://anondebitcard.com/usd-card-mbank

No paperwork - the use of the card does not require signing a contract with the bank. You open the sealed envelope and you are the owner!!!! -

BZ is selling cards like these directly in allegro.

They don't ask for any documents so there's no need to provide fake docs.

The limits are too low so documents are not required for these.

Everything was explained here over and over again so please read before you post nonsense.

Do the Mbank/Bz WPK Mastercard being blocked too?
Or only the VISA cards?

It all boils down to how the cards were obtained and how you use them.
And btw there are no anonymous BZWBK Mastercards.

Do the BZWBK Mastercard is better for Paypal?
Because with Mbank Visa i have had problems: when i tried to withdraw to IBAN, i have got a limitation. (my money was clear)

mine was from mateo
the only suspicious thing I can think of was the 25eur top up on 19.08., since it was made by a friend (still same country) who owed me that money and i told him to just load the card with it (that's why the name is blanked out)
all the others are from me, using the same name/address and from the same country
the only out of country transaction is the amazon one, but surely there's nothing suspicious about buying a ssd from them (i'd understand if i tried the whole amazon refund scam, but I didn't)?
the other transactions are al local stores (rl and online) + an atm withdrawal and of course mcdonalds (sadly kebap stands don't take cards)

who is Mateo?

He was the biggest seller of mBank cards in this forum.

When the shit hit the fan he jumped.

Ok, after being given the run around by mbank it seems obvious they don't care about customers.

Phone support simply told me "It was blocked for security reasons, please come to branch"
Bunch of idiots ...

Has anyone here managed to get the funds unblocked by resorting to a Polish resident to unblock the card?

I have 1 VISA card bought via Mateo that was only used for a handfull of transactions and all the money came from the same legitimate source
My freelancing account at odesk.

If someone had any luck, please contact me.
I'm willing to pay a fee to have this mess sorted out

Feel free to email me directly at atomic@luisnet.com

Thanks

I just hope they crash and burn

you should think twice when you buy a debit card from someone from a forum...
sooner or later this thing it will happen. Anonymous cards are not allowed in EU. Period.

someone said "the reseller had a good reputation". Ok. where is that reseller now? :)

Buy cards from real companies not from forums.

Bullshit! They are perfectly legal up to a certain amount.

show me the EU directive who is saying that.

thanks :)

This is not how that works, you made the ridiculous claim, you show me the directive in place supporting your claim and i will tear it to pieces. ;)

Can you read?

BZ is the bank in case you're wondering...

Is it real enough for you?

got card blocked today
loaded via wire same exchanger, used only on ATM, used to work until reached 2k, after that they blocked the remaining funds
call the bank tried to cancel the card and transfer the remaining funds to other account, no luck, they just canceled the card and say to get to bank office.
I also registered a complain but I don't think will be solved in my favour.
From all I see here I just have to take the loss since there isn't a real way to get money back.
This is my second card blocked, I got another one also reached  2k no problems, after that they blocked the remaining funds, about 400 $, not much but is hard worked money.

This is my story, also I followed this thread from start, got to the conclusion that Mbank is CRAP so use them on your own risk. This is my last deal with them.

can specify better who loaded?

he said " same exchanger".

It's funny how the people are complaining after they bought the card from "someone" from a forum or from a so called exchanger.

First of all there is no such thing as an anonymous Mastercard or Visa its illegal they dont make them.Its illegal in the EU its illegal in the states its illegal anywhere.Wont matter if its physical or virtual its illegal all you are doing at best is being conned by east european mafia or at worst funding terror groups.Do not buy them they all originate in Poland Latvia or the Czeck republic stay away or just lose your money.Start buying things with these when they do actually work and you just get flagged by the Feds.

"show me the EU directive who is saying that". Its called money laundering

Again, its not illegal in the EU or even for EU citizens using them outside the EU.

Since you failed to find it, here you go:
http://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32005L0060

CHAPTER II
CUSTOMER DUE DILIGENCE
SECTION 2
Simplified customer due diligence
Article 11
5.By way of derogation from Articles 7(a), (b) and (d), 8 and 9(1), Member States may allow the institutions and persons covered by this Directive not to apply customer due diligence in respect of:
(d) electronic money, as defined in Article 1(3)(b) of Directive 2000/46/EC of the European Parliament and of the Council of 18 September 2000 on the taking up, pursuit of and prudential supervision of the business of electronic money institutions (16), where, if the device cannot be recharged, the maximum amount stored in the device is no more than EUR 150, or where, if the device can be recharged, a limit of EUR 2 500 is imposed on the total amount transacted in a calendar year, except when an amount of EUR 1 000 or more is redeemed in that same calendar year by the bearer as referred to in Article 3 of Directive 2000/46/EC

Oh the terror!!

I regret to inform that you are the one being conned!

The most anonymous and useful tool for any sort of illegal activity is paper money.

Do you see anyone interested in ending it?

But this is too off-topic already. Open a new thread to discuss effective ways of funding terrorism, high-profile corruption, drugs and arms trafficking and you'll see if mbank cards are relevant or not.

Spoke to Mastercard europe this morning and yes they are aware of the cards and no there not legal and yes its Mastercard blocking them not the bank and yes every time they pick one up on there system they will block them.

I'm sure you can call them again and record that amazing conversation.

Post it here please.

Why dont you ring there fraud dept yourself

Because I know it's bullshit.

Want to prove me wrong?

It's just another quick call like the one you just made earlier in the morning...  ::)

If it was Visa that was blocking Mbank cards, they would block also visa cards sold by other polish banks.

You can rest assure that Visa knows exactly in what anonymous conditions those cards are sold by polish banks. That is made under an agreement with Visa, like all banking activity.

And, of course, Mbank would put the blame on Visa. They didn't do that.

 No one has presented any clear pattern they are following to block some cards but not others. The justification "only for polish citizens" is bogus, since there are many working Mbank cards still used by people only abroad and loaded only by transfers from foreigners banks.

Since it seems they are still blocking new cards, anyone still using their cards are taking a serious risk.

I see there is a forum section on mBank website w w w.mbank.pl/forum

Is there anyone who has tried to post there? because i see quite a lot of respond to any each question.

It seems like all the ways to get the cards unlocked are very fragile.
I have the same problem. Who can help me out?
9 cards, 1000 Euro reward.

It's only in polish.

Reading this thread I don't think many polish people had problems with the cards. Only foreigners.

I having one of these too it is blocked for me. €300 on the card. If Polish citezen is wanting to buy from me for €150 so they can withdraw then message me, this card is worthless and if you not Polish you can not withdraw this funds.

Piece of fucking shit mBank is

Same situation for me: one card with money has been blocked. Is there any polish user wanting to help me out? Obviously I'd give a reward :)

A question: if I go to Poland, will I be able to withdraw money using the card? I mean...is the card "blocked" outside poland only or is it blocked everywhere and so impossible to use also inside poland?

thanks :)

Ok i'm offering the same! So 50% of the worth. You may pay in btc.
So the 9 cards have a value of 5000 Euro and they are for sale for 2500.

(100% legit, from mining)

locked mine too (was supposed to be lucky) do not know how many cards because fortunately was all empty except one with few EUR on it. This bank is crazy.

Does anybody know if the card was blocked once, that you can still send money on it or not?I forgot an old payment,so this was send to the card,but i dont know if the money was on it or not because i threw it to the trash after some calls and no chance to get money back outside from poland...

Yes, transfers were allowed into the card after it gets blocked so that money went straight to mBank. They won't complain about that.

F*cking scammers!

I wrote to all email address above, answered me only  kontakt@mbank.pl

what I wrote:

Dear Adam Gruszczyński of Mbank,
sorry but Im tired to be cheated

How you can think people start out from any parts of the world for go in
Mbank branch in Poland ???

Now are many week I complained, and after many days and many email,
finally I have this useless answer


I put in "Cc" for knowledge the lords of Podex, they selling your cards

And also "EBA" European Banking Authority", because this is not just my
problem, in the web easy check how many many people have my same problem

This is a possible trick for to gain on the interest of the blocked money?


Your bank created me great problems, please stop sell cards because is not
possible people start out from any parts of the world for go in Mbank
branch in Poland


If are all that problems, Mbank must not allow the "Mbank Visa card" can
be sold so easy on the http://www.second-card.com/ website, with the
reassurance that everything will be fine.


I have not time for go in Poland branch, please agree to accept my ID, I
can give you a document certified by the Italian authorities

Also, I asked many times the address of your registered office because I
want send you a registered letter, do you have problem give me this
address?

Id like to make official this complaint


Best regards"



what they answered

Dear Sir,

thank you for your message.

Firstly I would like to apologize for the inconvenience and disappointment that you
experienced in dealing with mBank recently.

In connection with the reasons for blocking the card, the process of unblocking the
card requires filling in and signing a complaint form containing the Cardholder's
personal data. To do this, you need to visit an mBank branch.

Bearer prepaid cards issued as an electronic money instrument are offered by mBank
S.A. in the Polish market only. mBank S.A. has never offered nor intended to offer
such cards outside Poland.

Notwithstanding this, mBank is doing its best to develop a process dedicated to
Cardholders staying abroad in order to handle complaints filed by users from outside
Poland.

That is why I cannot ask you to send any documents like ID to unblock your prepaid
card.

For that moment it possible to unblock your card only during the visit in mBank office.

The address for letter correspondence is:

mBank SA
ul. Senatorska 18
00-950 Warszawa
With specific note  "DTB" (Departament Bankowości Transakcyjnej).

I hope that provided information will be useful for you.

Best Regards,


Z poważaniem
Anna Frydrychowicz
Biuro Obsługi Klientów


sumarize

I have 600 € on the card and use it just for pay toll gates  ;D

AVOID absolutly buying this card if you live outside Poland

and what they gonna do with the fuckin stucked money ??! >:(

can you please send another email because i didn't get any reply till now, asking how we can do to get back our money not to unblock the card because we dont want to use it again! it's a crap!

BitPlastic.com has issued thousands of mBank cards without a single one of them ever being blocked - we have a special system for preventing blockage.

Can't say the same thing about WBZ (Bank Zachodni) cards, as those seem to get blocked no matter what.

Are you seriously trying to sell this crap in here?!?  :o :o

Wish you luck!!  ;D ;D ;D

First of all Mike what does your bank card cost and if blocked will Bitplastic come good for it.

hi coinmaster, we have been using mBank but we're not going to use them anymore.  We no longer trust them due to the increasing number of complaints against them.  We'll be sourcing a new bank, other than mBank and definitely not Bank Zachodni ..

Hey, MATEO is 100% LEGIT

Why would he stick around here and get bitched at?  He's not part of the bank, and he didn't steal/freeze anyone's money.  He just resold the cards and he was super legit, fast, and honest.

mBank is the bad guy here, not Mateo

Another day, more scammy behavior

Do some reading on the owner of these sites first.


https://bitcointa.lk/threads/question-is-bitplastic-com-a-scam.287555/page-2

Bitplastic is so great!  All you need to do is checkout their YouTube channel!

$5 Paid reviews and these four amazing BITPLASTIC reviews where the word bitplastic is never mentioned ONCE!

https://www.youtube.com/watch?v=RnetiqTHAS0
https://www.youtube.com/watch?v=Y_U4DGcOhEI
https://www.youtube.com/watch?v=ikWK7Jv4JrA
https://www.youtube.com/watch?v=AECBwVV7BAU

Watch out everyone, clown on the loose

just checked my card after not using it for 3 months as blocked

status is now 'active'

hm ... does that mean it works again ??!!!

wow, did you doing something to mbank?? where I can see the status blocked or not?

Ah, sadly not, active on website, still blocked :(

It was never blocked on the website.

It was always active just in case you wanted to send some money to mbank fuckers.

Dear,
useless write again.

Simple, if you want your card unlocked, need just go to Poland.

I wrote already to EBA, control authorities for EU bank, VISA and others, just for that they answered me, instead many users have not received answer.

I think for unlock card without go to Poland need your solicitors write to Mbank, Visa and EBA and also Poland government, at the same time make noise in the web.

After, MAYBE, they can unlock your card...
I think best solution (more than not buy this crap card) is found a serious Poland interpreter and pay him/she for help you.

Readers maybe are also interested what Podex answered me :-)


---------------------------------------------------------------------------------------------------
Hello Cxxxxx,
Unfortunately I am not the card holder and pretending I was would be breaking the
law, therefore I could not do it.
We’ve contacted mBank again and since that brought no solutions and since we find
their actions unacceptable we’ve decided to file an official complaint with
government institutions in Poland.
We recommend you doing the same:

http://www.uokik.gov.pl/home.php
http://www.knf.gov.pl/en/index.html


Best regards,
Joanna
Podex office staff

www.podex.info | www.second-card.com

-------------------------------------------------------------------------------------------------


To be sincere, personally I think this is just "smoke" in my eyes, are useless words.

If you want to do something useful, please report Mbank and also Podex in the web for do greater number of people know both are shit service.

Also, Podex wrote in website "card work in EU and for ATM", I think we can report Podex because are liars and create great damage of many people.

In fact, Mbank told me this paper is not meant to be used out poland, ASAP i write a post with a clear summary

If we want, all togheter, use a solicitors for write to Visa, Poland government and Mbank Im ready

If you want take part we can organize a  complaint group and do write by a lawyer

But before you start you should know that this has a cost, time consuming and does not guarantee results 100% safe

Please make sure that as many people are made aware of these two services, Mbank and Podex are two service of shit

Anyone in the UK is advised to contact the Polish embassy in London and file your complaint.They speak perfect English and have been helpful with me on another problem of financial matters.

Also mBank is a Polish direct bank, part of BRE Bank (owned by Commerzbank).So it may also help to talk to the parent bank they may not be aware of what is going on at mBank with its cards. I know this sounds ridiculous but if you have money on your card and its still working and you want your money,dont use an ATM go on to ebay and buy your local currency(under holiday money not used) and pay with it on your card.The fees might be higher but better to lose 100 as 500 if you use the ATM then you have probs I believe.

For my personal experience embassy not interested in these problems. we talking about the policy of an entire bank and not a simple problem of financial matter.

However groped have not costs....

The problem is Podex...they do misleading advertising, they cant impose the policy to Mbank.

Mbank wrote clearly have not interest sell this particular Visa out of Poland.

But Podex buy cards for 3 € and sell for 30 € (around) then is not interested citizens problems, interested just gain and of your problems they "wash their hands"

The real complaint should be made against podex, because they promises in advertising things that can not keep

So guys, what cards you use now?
Beside Mbank or BZWBK cards?
Is BZWBK  cards still save, because i think i wanna use it next month.

First question that hits me is why people want to use foreign debit cards to start with anyway,I use Caxton there safe secure and work anywhere in the world and using ATM is not a problem

I want to use foreign debit cards (Especially EU card) for receiving payment from a company based in UK.
For some reasons, i use a fake identity instead of real one, so i really need this kind of card to get my money.

Is caxton card could do it? i mean anonymous card?

Sorry if your using a fake name your doing something not totally legal and no genuine bank would touch you with a stick

Caxton can be loaded
1) by bank wires?
2) by bank wires from third party? (I mean from bank accounts owner different than Caxton cardholder)

if so, could plese tell the bank wire load "form"?
Thanks

sorry don't
know I just load it from my debit card you get them in various currencies I keep it as a back up when travelling.
All things are Diff for me as I am now located in the Uk where the banking system is 10 x better than the US

At this point we make a legal action against who sold the card. They made misleading advertising, and we are all EU citizens, with with consumer rights.

For Italian people:

https://e-justice.europa.eu/dynForms.do?1417415891110 (https://e-justice.europa.eu/dynForms.do?1417415891110)

For all people: remember must to have proofs (registered letters, email, and others)

No, we can't 'come good for it'.  We have no control over mBank.  If they decide to steal from people, there's nothing we can do about it.  We've already stopped using them and if one of our customers' cards gets blocked, we will send a free replacement.  We have a new relationship with a different bank.

mBank is probably insolvent and decided to steal from foreign customers in order to shore up its balance sheet .. if they stole from Polish customers they would probably be shut down by Polish authorities, but presumably they can get away from thieving from foreigners

Ah wise words from a man with a 25btc bounty on his head,should claim it yourself !!

this new bank is BZ WBK? And do you have EUR currency cards?
Regards

Hi Piotr

Are you still offering this service?

Have you been successful unlocking more cards?



Is your card unlocked?



Did you find anyone else unlocking mbank cards?

DO NOT THROW AWAY YOUR FROZEN MBANK CARDS!!!!

I am launching an mBank recovery service. I will be able to recover funds on your card.  You will receive 50% of the funds I recover - and I will keep the rest.  50% of SOMETHING is better than 100% of NOTHING, which is what you've got right now, cards that are completely useless and frozen.

I will post more details of the recovery service soon. 

Obviously, there will be no upfront costs here. You simply fill out a form telling us how much is on your card, and send us the card. That's it.  We recover the funds and send you 50% of the amount on the card, by Bitcoin.

More details coming in the next week

It would be good if your trust rating was different.

Besides that, 50% is a greedy fee.

Who gives a shit about my trust rating.  With the fee I'm collecting, I have no incentive to steal any money.  I would be outed as a scammer immediately, and then no one would send me cards.

If you have a card that doesn't work, you might as well send it in and hope I pay (which, obviously, I will), because otherwise you can throw it in the dumpster. 

No one will send you cards as is, I guess.


Because you're the only person in the world who can do this...

And yes, I'd rather throw anything in the dumpster than hand it to a scammer.

Give Mike a try as he says 50% is better than nothing so he really has no reason to scam at that rate

Look at his trust rating (https://bitcointalk.org/index.php?topic=713699.0) and then give him a try.

The other 50 are a good reason to scam.

I will give you 500eur when you unlock all my cards. PM ME.

i would like to be part of it - you have a link for germans?

Don't send your cards to a serial scammer.

Well in that case what should people do??? ok saying dont send it but give another alternative

I know this was beaten to death by me again and again, but a Polish notary will go that extra mile.
And it will cost you 5-20% and he or she has a reputation to maintain...

Anyone you can vouch for?

I wonder why no reputable polish member is offering this service here.

Will employ my missus to spy on recovery process. She is certified accountant and financial adviser with full indemnity insurance. We both polish. Once we will find solution to blocked cards will start separate thread about it. My suggestion is to stay calm and don't send any cards anywhere as 50% fee is just robbery.
Interested party please pm me so I can make list of potential claims.

Disclaimer: I'm doing this to try to help recover lost funds. Please do not link my person to any issue which can arise during process of recovering funds. I will not deal with funds which was used for criminal use. Will not help anyone who cannot provide info needed to recover funds. No upfront fees will be included in this service. Separate thread will be created for all affected users.

UPDATE:

Mbank is not insolvent, is not in any trouble. Action in blocked cards was made to limit claims against banks and affects all cards not the only ones in poland.
After phone call to mbank what i know is that no more prepaid cards will be issued to anyone and every single card is treated as single issue.

To get info about why card is blocked every single affected user please PM me for details what must be provided to get info how and when card or funds will be released.

I have at least one card thats blocked with 150 euro or so on it. Im pretty sure I know the reason why, I funded it through kraken, which goes against the revised terms of mbank.

s1lverbox, if you find a way to recover the funds on such cards, Ill send you the cards and you can refund me in BTC later.

Im sure there are many like me, and you could make this in to a nicely profitable venture that benefits everyone. I also wouldnt worry too much about being scammed, because the cards are useless to me anyway, and you stand to make a lot more from recurring 'sales' than by one time stealing. What I do fear is that it may not be easy for you to reclaim 10s or 100s of those blocked cards without getting in to trouble yourself for money laundering or whatever. If Im wrong about that, name me your price and let me know.  For the record, I would actually be willing to settle for 50%, but if you think thats robbery, Ill settle for less too :).

As far this goes i suggest not to publish how much and who got blocked on those cards. Simple reason is that some scammers will claim to be me or other helpers and will steal from you.

in regards to answer to your other concern about 10s or 100s of cards, i think once we can solve some of issues we will make sure other cards can be recovered using same patern but with different people.

And yes-i think 50% is robbery.

Update:

Clearly i can see people affected will choose to try recover funds please PM me for details what i need to get details why card was blocked and what next steps will be. For large amounts i will put btc in escrow to cover funds on card and will ask to send me that card.

If money will be recovered i will return btc minus small fee for work done with card.
If recovery will fail card will be returned to owner and no money will be deducted.

This is WIN-WIN situation to all affected.

To all scammers, stay away as this is only to help people and for me will be easy to verify if you are claiming funds or trying scam.

'Bout time  ;D

I've been waiting for this for a long time.

What details do you want us to send by PM?

I think anyone here should give full details of who they are and confirmed ID before you send card and personal info or you could be walking from one scam to another

You can do that yourself if you want

Is there a service ready to use or what?

I need to unlock my cards.  ;D

Beggining of the week i should have some answers and will start try to recover some of the funds. got already inbox full of PM so will contact users directly.

Please post here when you start.

This is a much needed service.

does this mean all cards associated with mbank wouldn't work anymore ? I intend to get a Podex card but I am a worried that it might get blocked.

Don't deal with those scammers.

Get BZ WBK cards instead. But remember you can't use it for bitcoin related activities anymore as they updated their TOS.

I have some I can sell to you.



Do you have good news?

Please say yes  ;D

pm sent to s1lverbox :)

i was really busy but got few things sorted. will need one card with small balance. please any user to contact me but not huge balance. something small couple of hundreds dollars or euro or any other currency.

Once one card will be done we will move on to try with others.

I have one with ~1600 PLN. Is it ok?

Found this on facebook (https://www.facebook.com/vfhgjhgkjhl?ref=notif&notif_t=page_invite_accepted)  ;D

Only 5 likes?!

Yeah. approach me by PM i will tell you what i need from you. For now i will not ask to send me card.

1600pln is like 2btc.

PM sent

Hi

What's the status of this service?

It seems you'll have more work in the future: https://bitcointalk.org/index.php?topic=938024.0 (https://bitcointalk.org/index.php?topic=938024.0)

Guys o got stuck with details given to me. Person who Pm'd me not responding now.

Please anyone with small balance card contact me and provide all info what i need.
I cannot start anything with incomplete information. So if you contact me provide me all info i need.

If you scared im going to scam you dont approach me. I'm doing this to help.

s1lverbox pm sent

Are you still having issues with polish cards lol,cant understand why ::)

Hi,

I sent you PM and never got a reply. Please check it.

What is the status of the service?

Were you able to retrieve the funds of any card?

s1lverbox ,I sent you PM and never got a reply. Please check it.

The cinkciarz are WBKs not mBank.
But be carefull their new ToS state that they cant be used in connection with crypto.

There seems to exist a solution for customers to unlock their funds without going to the bank in Poland.
Email their customer service and ask to verify your account remotely.
They will ask for a copy of your ID and the credit card.

Follow their instructions and hope that it works :)

Already tested, not working as cards cannot be used again and bank is owner of card. withing TOS is clearly said cards which are blocked must be destroyed by user, with leftovers user must bring id and receive funds at the till.

Id must be provided original not scan or copy.

Please check their tos. already waiting for 2 cards and funds should be recovered shortly.

My account was blocked for months and I kept nagging them every now and then on their customer service email.
They told they were working on a process for foreign customers.

Last week I nagged them again and received a reply with a form to print, fill out and email them back with a copy of my ID and the card.
I also had to transfer 1€ with a text string in the description to the card IBAN.

Yesterday I received an email that the card was unlocked and I was able to purchase online with the card.
Of the 700€ I had on hold there, I have spent yesterday 600€

For me it worked ...

This is for mBank cards only.

Thats was a good news ! What is their customer email address ?

Customer service - kontakt@mbank.pl
They take 2 to 3 days to reply.

They will then send you the document with instructions and tell you to email it to prepaid@mbank.pl

Thanks for the info buddy, i hope it will work  :D.

So good news guys. If its working all a board. I tried and got refusal. Maybe because I done something wrong.

Tell them you are abroad and cannot go to the branch.
They will then give you the details to unlock the funds

I mailed the physical card to s1lverbox about 20 days ago, he claim to not received the card, and has been unresponsive to my emails since that.
I suspect he has stolen my money.

Silverbox tends to be pretty bad at responding, but Im not sure he is a scammer.
You can verify your card balance through SMS to see if he did indeed steal it.

The last email I got from him is 5 days ago,


Me:
On Jan 24, 2015 7:16 PM, "-" <-@gmail.com> wrote:
Hey,
I got this mbank card with 600USD on it, can you help me unblock it ? Do I need to mail you the physical card ?
 
S1lverbox:
On Feb 2, 2015 3:17 AM, "-" <-@gmail.com> wrote:
Hi. No need for card to be emailed.
 
What I need is clear picture of both sides of card. All numbers must be visible.
 
Need to know origin where card was sent and was used. How did u upload funds to this card. How did you used that card (aay, JanuarATM,  online shoping etc).
 
Please as well include your wallet for btc. Once funds are recovered will send btc to this wallet.
 
Me:
On Feb 2, 2015 7:13 AM, "-" <-@gmail.com> wrote:
Hi,
 
I attached picture of card (front & back) to the email,
 
##############
 
##/##
 
###
 
The card was bought from a seller on bitcointalk, I use it for online shopping, funds where uploaded from international bank transfer. I used my card only for online shipping, no ATM withdraw.
 
My BTC address is #####
 
Me:
 
On Feb 3, 2015 5:44 PM, "-" <-@gmail.com> wrote:
Hi, what's a time estimation for this process?
 
 
S1lverbox:
On Feb 8, 2015 7:14 AM, "-" <-@gmail.com> wrote:
I'm starting your recovery from tomorrow.
card will not be unblocked but will try recover all funds. for safety reasons mbank will release funds in around 20 days of success application.
 
will keep you updated what's going.  once will have date of recovery of funds will send you to wallet same ammount in btc.
 
regards
 
 
Me:
On Feb 9, 2015 6:47 PM, "-" <-@gmail.com> wrote:
Ok, I need to wait 20 days ?
 
 
S1lverbox:
On Feb 11, 2015 5:25 AM, "-" <-@gmail.com> wrote:
Hi
from the moment bank will approve claim might 20 days before u will see money.bank  already notified so now waiting game.
 
regards
 
 
Me:
On Feb 18, 2015 5:02 PM, "-" <-@gmail.com> wrote:
Hi,
You have any updates on the progress ?
 
Thanks.
 
 
S1lverbox:
On Feb 19, 2015 10:26 AM, "-" <-@gmail.com> wrote:
Ok pal. card need to be sent to me. I will withdraw money at the bank same day so no waiting. got answer from bank and their happy.to withdraw balance.Unfortunately card will be destroyed as expiry date was for today.and there is no option  of using card again.
 
need to use my id or passport to register this and prove im the owner of the card. same day I will get cash you will get bitcoins.
 
if.you happy to proceed let me know and will send you my address in Poland.  next day when card will be delivered i will go to branch and will close account by withdrawing balance.
 
 
Me:
On Feb 19, 2015 10:39 AM, "-" <-@gmail.com> wrote:
Ok, what's the address ?
 
S1lverbox:
On Feb 21, 2015 4:45 AM, "-" <-@gmail.com> wrote:
Hi
 
please send card to:
------------------------------------------
 
\\\\\\ \\\\\\\\
 
\\. \. \\\\\\\\\\ ##
 
##-###  \\\\\\
 
Poland
 
-------------------------------------------
 
Once card is in my hands next working day money shoukd be with me.when this will happen btc will be send to your wallet which u provided.
 
regards.
 
 
Me:
On Mar 2, 2015 8:44 AM, "-" <-@gmail.com> wrote:
Have you received the card in mail?
 
S1lverbox:
On Mar 4, 2015 1:27 PM, "-" <-@gmail.com> wrote:
Nothing yet. When did u send it and from where. What type of postage u used. Thanks
 
Me:
On Mar 4, 2015 1:57 PM, "-" <-@gmail.com> wrote:
I mailed the envelope on Feb. 23rd 2015, from \\\\\, \\\ ,
Standard mail .

Hi, im still waiting for the card. nothing was received yet. once is received i will process your claim.

U have all the details and you can see clearly that nothing was recovered.

And plus the fact u sent that by standard mail didnt help a lot.

As stated in email, once card is received i will proceed with this.

It worked for me! Better contact prepaid@mbank.pl directly, they respond in 30 min.

Did you unlock a card with that email?

yes

There is no longer the need to pay anyone to unlock your funds.
Just email the bank and ask for the instructions as explained.

Then follow them and your funds will get unlocked in 24 to 48 hours.

So if you fill in the form you get access to your funds??

yes

Cinkciarz that I have seen were all from mBank, have one in my hand right now, mBank. Did they change this?

just got my card unblocked to use at worldwide ATMs

I can not transfer the one currency unit for the verification... Anyone can help ?

Connecting prepaid@mbank.pl  worked for me. Thanks atom80 for your help. And thanks s1lverbox for not helping nobody...

So it seems only newbies can unlock cards using that email...  ???

tried again kontakt@mbank.pl...
Got the same letter like you have to go to Poland.
So copy please who helped you, name, there have to be a name, because always answer a person to you, not a computer or something else.

If you have any other visa or mastercard debit cards in your pocket that are not blocked, we have a service to load those cards if you look at my thread.

Lets revive this thread, at least to keep trashing Mbank reputation.

I never seen a bank that blocks customers accounts arbitrarily, keeps accepting transfers to them (!), makes demands nearly impossible to fulfill (come to Poland), even if the customers fulfills them, keeps the cards blocked, and, especially, steals their money.

Reputation is the life blood of a Bank. If their customers were suspicious about them, they would be dead tomorrow with a full run on the deposits. But they don't seem to care. Mbank customers beware: today they steal foreigners money, tomorrow it might be yours.

help blocked my card in the amount of 2,350 euros

in past to unlock had to
1) fill an unlock application (had to fill all personal data)
2) send a bank wire to the card (ok 1 eur bank wire)

Of course personal details of 1 and 2 have to match

call the bank. why do you come on forums for this issue? :)

All trolls and newbies who creating this myth of unlocking funds by email. Stick it.

The only way is to register account to ID. That means physical card must be showed in Mbank branch. There is no bullshit email option to unlock cards.
Just to make it clear, i never received any card from anyone and DID unlock one card for someone i know who had issue with MBANK.But that was someone i knew so no issue for me to register on my name.

From now on do not contact me regarding any issue with shitty mbank cards.

Most of you newbies are shady as hell and im glad bank locked your funds. None of you who contacted me seems had legitimate funds on those cards.

For those who thinking to help unlock any MBANK card please be aware you have to put your ID in front of a bank teller which will copy your details and after cooling of period funds if found legitimate will be released. If anything will be wrong then police will know where to find you.

Most of those cards are shady and who ever bought them in first place should know risk associated with them.

I was able to unlock MY card with this (by email)

A member reported that he went to Poland to try to unblock a card and, even so, employees at the Mbank branch said they couldn't do nothing.

Mbank is a scammish bank, nothing more, nothing less.

If you want your money you have to send emails complaining about them to all polish and european banking authorities and send a copy of every email you sent complaining to several emails from Mbank.

After a few complains, they will pay to give your money back, just to stop your complains.

A list of european and polish authorities and Mbank emails were publish on this thread (or on another one related, search for it).

I was able to get my cards working by filling some form. However I failed on my 1st attempt, because I visited a former BRE bank branch instead of true mBank. mBank has acquired 2 other banks and they're still somehow incompatible in certain things. IDK how about large cities, but in small ones the clerks don't speak English, so if you can't speak basic Polish, you might need an interpreter :)