Hacker News Reader

Comment by yial | Hacker News Reader

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.

View on HN

I 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_...

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.

I 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.

Yeah 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.

I 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)

The CFPB gets results.

https://www.consumerfinance.gov/complaint/

It's like how people file complaints with the FCC to get action from monopoly ISPs.

Time for small claims court!

Reply on news.ycombinator.com