I still want to know who METABANK is. Does anyone out there know?

I did not make an ATM withdrawal for $161.50, and I did not buy a Visa gift card from them. I do not know who METABANK is, and an unauthorized transaction was made from an ATM machine here in Redding, California with my Orchard Bank MasterCard. I have never, I swear to you, made an ATM withdrawal with this credit card, and Orchard Bank will not credit my account for that amount because it was an electronic withdrawal, they say, according to them, that is my spending habit (which is not true!), and because they do not have a receipt. This is such bull! If anyone can help me on this, please do! Thank you for your istance!