Hacker News Board Hacker News, browsed like a classic message board
Live data from Hacker News

A short conversation with a bank

newsletter.danhon.com

Post reply on HN
Print view View original

221–230 of 316 posts

Re: A short conversation with a bank

#221

Post by hnlmorg »

Nextgrid wrote: post #193
immibis wrote: post #160

Earlier 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.

That’s a shockingly bad kludge though. You’d at the very least expect them to change it to an email they control. I mean, it would still be a shit workaround but at least it wouldn’t be trivially exploitable.

Re: A short conversation with a bank

#222

Post by Nextgrid »

hnlmorg wrote: post #221
Nextgrid wrote: post #193

Earlier quoted context omitted.

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.

That’s a shockingly bad kludge though. You’d at the very least expect them to change it to an email they control. I mean, it would still be a shit workaround but at least it wouldn’t be trivially exploitable.

Imagine how many companies do this instead of deleting data but at the very least disable the emails so you can’t even know.

Re: A short conversation with a bank

#225

Post by SkinTaco »

techsupporter wrote: post #197
pjdesno wrote: post #15

Best part: "but did you write it in rust?" Missing: Q: "So can I just walk into one of those zillion bank branches you've set up in the last 10 years, squatting on all that storefront real estate that could be used for real businesses that sell me something, attract tourists, or whatever?" A: "No, they're just for show. We don't actually do any business there, we just rent that space to piss you all off, as a visible…

> Missing: Q: "So can I just walk into one of those zillion bank branches you've set up in the last 10 years, squatting on all that storefront real estate that could be used for real businesses that sell me something, attract tourists, or whatever?" > A: "No, they're just for show. We don't actually do any business there... This is what I don't get about BECU being the most popular credit union in Puget Sound. Every…

Interesting, I've had opposite experiences. In fact last time I went into a chase bank the teller refused to help me but "offered" to help me download chase app and do what I was trying to do in the app. Meanwhile I've gone into BECU a few times and they've always been able to help.

Do you mind if I ask what BECU can't do in a branch? I'm genuinely curious because your experience seems so different from mine.

Re: A short conversation with a bank

#226

Post by SkinTaco »

jiggunjer wrote: post #118
bityard wrote: post #106

One 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…

This seems very US centric?

This is a comment about a bank in the united states, on a thread of comments about banks in the united states, replying to an article about banks in the united states, hosted on a website in the united states, that is visited primarily by people from the united states. It's wonderful that we have a lot of unique views from various backgrounds on HN. But expecting people to clarify every time they want to discuss something about the US is ridiculous.

Imagine how insane I'd sound if I said the reverse in response to a comment you made about a bank in Europe, on a thread of comments about banks in Europe, to an article about banks in Europe, hosted on a website in Europe, visited primarily by Europeans.

Re: A short conversation with a bank

#228

Post by mkr-hn »

quasarj wrote: post #219
mkr-hn wrote: post #72

Earlier quoted context omitted.

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…

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.

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.

Re: A short conversation with a bank

#229

Post by dereg »

cantrevealname wrote: post #62

> 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…

If I recall correctly, there's less a concern about Google than there are of malicious third-party data harvesters that gain full access to users inboxes by offering their service under the guise of being an email client. Edison Mail, Slice, and Rakuten are among the many offenders.

Re: A short conversation with a bank

#230

Post by salawat »

SkinTaco wrote: post #223
salawat wrote: post #88

Earlier quoted context omitted.

Nope. You don't.

How do you know that?

I've implemented/maintained several. Call centers are one of those things you try to keep as simple as possible. Generally speaking, you've either got one big ole call center where anyone could take any caller at any time, or more specialized deals where the call center is divided into teams who are partitioned across the set of dial in numbers you prearrange the phone company to route.

To get your metrics right, you don't want your queues doing weird things, because it's hard enough making sure you have enough bodies to keep the queue times short enough your customers will even bother.

I put particular emphasis on getting my Call Center people exactly what they need to do their jobs quickly, because I don't see them as sunk cost, but an incestment in customer goodwill. Present a good face to the public, and be able to handle their problems, and they will either stick around or come back.

It's an interesting piece of technology to set up and QA. The meeting of telephony and Internet is a section of tech I like to dabble in, because phones are cool.

Post reply on HN