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Two anecdotal- I will say simple was a joy to work with, even for things that were old. I would never have closed on my house in time if not for them. Sadly- i
by yial 5y ago
Two anecdotal-
I will say simple was a joy to work with, even for things that were old. I would never have closed on my house in time if not for them. Sadly- it seems that since BBVA -> PNC … everything historic for that account is gone.
Unrelated to banks:
Me: I’m calling because I got a notice that you’re cancelling my healthcare due to non payment of my premium?
Healthcare service line: yes. You had a responsibility to pay it and you didn’t so we cancelled it and we can’t change that decision for 12 months.
Me: but I have a confirmation of the payment from your digital pay system, and a bank statement that shows you have taken payments each month for the last several months.
Healthcare service line: I don’t see those on my end. You should have called to verify we received them. Maybe your credit card or checking account was stolen.
Me: but I can login to your website and it has the payment history.
Healthcare service line: hangs up.
- mkr-hn 5y agoI miss Simple. I liked it ever since finding it in a sponsored content slot on the new Digg. I cobbled together something like the Goals feature with spreadsheets, but it's not the same. As for BBVA->PNC, I had to get the CFPB involved just to get confirmation that my account was closed. https://old.reddit.com/r/BBVABank/comments/pypk87/good_news_you_might_not_need_to_close_your/ https://old.reddit.com/r/BBVABank/comments/pypk87/good_news_... https://old.reddit.com/r/BBVABank/comments/r53cjt/it_was_another_lie/ https://old.reddit.com/r/BBVABank/comments/r53cjt/it_was_ano... The "courtesy" waiver of the fee for the opt-out paper statement not one Simple abductee asked for ends in April, so we'll see how that goes.
- yial 5y agoI had issues closing my PNC account as well, but eventually I was able to successfully do so. Something had been migrated strangely where I was getting statements and things mailed, but in branch or on the phone they couldn’t pull me up, nor could I login to online banking. Eventually something happened that triggered a fee, which after two cycles put the account negative, at which point they were able to close the account and I paid the fees. (The balance had been very low as I had planned to close it but hadn’t before the BBVA->PNC transition!) I’m Sorry you had to go through all that. It sounds incredibly frustrating. But I miss simple so much as well. I miss how easy everything was. Even with my local credit union… who I would rank as okay, it took 10+ days and over a dozen emails to setup online banking.
- quasarj 5y agoYeah I'm fighting with PNC right now. But apparently my paypal account was still pointed at them and charged $4 so now they want a $36 overdraft fee and also won't close the account until it's finished "pending"... I honestly can't believe banks get away with overdraft fees. Damn I miss Simple.
- mkr-hn 5y agoThe CFPB gets results. https://www.consumerfinance.gov/complaint/ https://www.consumerfinance.gov/complaint/ It's like how people file complaints with the FCC to get action from monopoly ISPs.
- _uy6i 5y agoI did a project in the space, and iirc only like 10-20% of overdrafts (by volume) were inadvertent/mis-management, another smaller group were people that didn’t care (accept that they are going to pay a few hundred dollars a year in overdraft in order to not balance their checkbook). But the vast majority actually made a conscious decision yo pay an overdraft fee, usually because it was a better alternative (sadly) than paying a similar fee to the utility, landlord, car lender,etc. and you don’t lose electricity, a roof over your head, or transportation. Depending on how they’re employed they can also be a better alternative to payday lending. Not advocating for overdraft fees, but just saying that mose users are going in with their eyes open (they just have worse alternatives)
- immibis 5y agoTime for small claims court!