"So now everyone can recreate your statements."... "remember us? We're a verb now." Hahahaha! I wish this weren't true.
What is this reference, CashApp?
Venmo
A short conversation with a bank
201–210 of 316 posts
Re: A short conversation with a bank
#202Earlier quoted context omitted.
This sounds exactly like my kids school district. They send an email telling you you have a "secure message" and you need to log in to see it. So you try to sign up to see the message, but can't because you don't have the password. So you try calling them and they say they will reply via email. What they mean is that they will send you a secure message about your inability to receive secure messages. So you call agai…
Next time just fill out the "forgot your password" form.
The one that asks for an email address and then tells you that email address isn’t in the system despite the same system sending you email? Yeah, I did. Many times.
Re: A short conversation with a bank
#203Not directly related to the title, but further in the article: > newly minted MBA ex-consultant who’s just started working at Dropbox as a product manager: and here is my presentation about why it is imperative for us to expand from file synchronization and, for some reason, password management, into financial service integration through our automated financial information archival tool, and then ultimately into fina…
IIRC 1Password doesn’t let you use Dropbox as a syncing/backing store anymore, and if it still does, it’s being deprecated.
Re: A short conversation with a bank
#204A short conversation with Blue Shield of California last month: BS: Have a question? Ask us via this very useful secure messaging form! Me: Great! Can you explain the difference between these two arcane out-of-pocket limits that you display that are un-Googleable and nowhere in your documentation that I can never find anyway? BS: Sure! We will wait two days and then send you an email suggestively titled "a response t…
Generally, anything not-for-profit and older than 40 years is a technological shit-show. There's neither the individual or management will to successfully migrate or upgrade at the pace required. Consequently, everything is held together with duct tape and person-hours.
> Generally, anything not-for-profit and older than 40 years is a technological shit-show.
Everything new is the same. Because everything has to be disruptive innovative hockey stick growth bullshit.
Here's a screenshot of tha app for a Swedish bank, Klarna: https://pbs.twimg.com/media/FHXG5bPX0AIC1oe?format=jpg&name=.... They are a bank. They offer credit cards, and fast online credit payments.
And no, "Payments" isn't a list of your payments you've done throught them, that's behind two or three clicks now. It's what you owe them.
Re: A short conversation with a bank
#205One thing that really needs to start taking hold in the public consciousness is that credit unions are far superior to banks in almost every way. They usually offer 100% of the same services but with lower (or no) fees, and with far less bullshit. I've been a member of multiple CUs and every time I've had a problem, I just walked in, described the situation, and they just fixed it. If I call, I don't get bounced arou…
Spoilers: My bank is a local credit union.
Re: A short conversation with a bank
#206Earlier quoted context omitted.
Oh wow. Blue Cross hosed that? Max Out of Pocket: This is the yearly maximum accumulation that an insured individual must pay before the insurer takes on full financial responsibility for subsequent claims. This comes in generally one of two flavors: a family or individual. The individual is straightforward. If you have a MOOP of $1000, and you've paid out $1000 in copays or coinsurance after meeting your deductible…
This is almost true: you will, in fact, be forever on the hook for any medical expenses charged which exceed the "reasonable" limits your insurer has set for each given service, even after you've exceeded your MOOP. So if your physical therapist charges $150/hour and your insurer reimburses $120/hour, you'll still owe $60 OOP for two hours of therapy even if you've exceeded your MOOP. Ask me how I know.
This happened to me and I found the practice extremely deceptive.
In California it is nearly impossible to find therapy or similar services that don’t charge much more than the per service maximums allowed by Anthem Blue Cross (and likely others).
This is primarily about out-of-network care, but good luck finding a competent therapist in-network in the Bay Area.
For example, the max paid for a therapy visit might be $120 while the providers typically charge $160-180/session.
On my plan, out-of-network providers were supposed to be 70% covered but I only learned after the fact that coverage was 70% up to the plan max for the stated service.
How was one to know the plan max per service? Therein lies the trick, they won’t tell you until you are on the plan and even then you cannot simply ask for a list of limits by service. You have to ask one by one after you have already committed to the plan.
The plan providers do not proactively disclose even the existence of these per service limits during open enrollment, and certainly not the detailed limits.
The plan providers continue to do this year after year despite knowing full well that their limits are well below market rates. As a result predicting out of pocket costs for therapy or other mental health services is next to impossible.
It feels fraudulent and deceptive even though I suspect they have excellent lawyers who keep them coloring just inside the lines so as not to get sued.
Still, I sometimes wonder if a class-action lawsuit might be the best solution.
Re: A short conversation with a bank
#207> with Gmail, where you were so aggressive about mining receipt data from Amazon that when I get a receipt from Amazon now it doesn’t actually include what I bought Wow, he's right. The item name no longer appears on emailed receipts I receive from Amazon as of about late 2019 or early 2020. I can't think of a plausible explanation for this change other than preventing Google from pilfering your detailed purchase his…
I don't think Gmail is the company that drove Amazon to this practice.
Source: I have a data provider that scrapes your email when you use their 3rd party email app, and sells your purchase receipts downstream. Google has no reason to do this to you, but the industry as a whole is shady.
Re: A short conversation with a bank
#208Banks, of course, can be awful. However, if you can develop an in-person face-to-face rapport with someone at a bank, you'll find that they can bypass, sometimes, much of the infuriating petty bureaucracy. I once had a bank employee print almost a ream of statements on the spot for me. I was almost in tears from the generosity of their time and effort. This was after going to a different branch an being told it would…
Always ALWAYS _ALWAYS_ be nice to service people. You never know when you might need them. Also, ALWAYS be nice to janitors, maids, maintenance staff, front desk people, security guards, etc. You should make anyone with access to a set of keys your friend.
Just be nice because it's the right thing to do, regardless of what value they can provide to you
Re: A short conversation with a bank
#209Earlier quoted context omitted.
Next time just fill out the "forgot your password" form.
The one that asks for an email address and then tells you that email address isn’t in the system despite the same system sending you email? Yeah, I did. Many times.
Did you try all caps?
Similar adjustments?
Can't count how many times this kind of thing has worked.
Re: A short conversation with a bank
#210Earlier quoted context omitted.
... does it happen to be your own domain with a wildcard email inbox?
Yes - that's how I found out. A company that was supposed to delete my data as per the GDPR (or at the very least retain the minimum amount of data required for legal purposes) was sending me all kinds of emails to the "VOID" address, clearly suggesting they just changed it but otherwise left my account intact, most likely because they didn't actually design the system to support being able to delete user accounts.
Holy fuck, what if I sign up for (this will work for a ridiculous number of people if you just wait to get the GMail they use for everything or something)