Review Time
Simple is not so simple. Photo deposits constantly rejected for no reasons. Customer service just claims they are suspect and can't explain further. They also tell me to go to the issuing bank and cash it. Ha, go to another bank ... Gee thanks for the tip. I will take the advise and move accounts.
Simple has caused many hardships. Some people have become homeless, and can't access their: disability, social security, stimulus, child support payments, paychecks, unemployment benefits. Simple is ruining lives by locking and closing one bank account at a time Simple is not a bank. Simple is a mobile Application, and horrible service Simple randomly blocks account access, closes down accounts. Choose a real bank. Simple is a prepaid account Partnered with BBVA
Really liking this bank. It is confusing at first and has some growing pains but I'm really liking it. I gave it a four star cause I don't like I have to wait a half an hour to be on hold to get customer service but today I was in hold for 30 minutes and then Victor in customer service was so calm and collected as I was frantic trying to figure out how the budgetting tools and available balance worked. So far simple has been a little complicated but I think it is going to serve our family well now that he took the time to get me to understand why the page looked the way it did and understand the balances. I'd give Victor in customer service a 5 star.
One star is one too many for these guys. What they call customer service SIMPLY sucks. I disputed a charge of an order from a restaurant as we didn’t receive more than half our order. I provided screenshots from the delivery driver apologizing and stating he’d pick up the other items and deliver them. Needless to say another half hour passed and nothing. I sent screenshots of my communication with the delivery service and restaurant to show I took every step to resolve the issue. After more than two weeks of them asking for additional info, which I always provided I was told they can’t help as they have no process in place for something like this. These guys are awful and I’d recommend using someone like Chime hows service is amazing.
Horrible bank that's not military friendly. They have no clue how the military works when it comes to APO/FPO/DPO addresses. They want letters from commanders, orders showing addresses, and etc for members deployed. They don't realize that's it's nearly impossible to get memorandums signed by commanders instantly and that it has to go through a long process just to get to the commander. Additionally, they don't understand that my deployed UIC's won't list the overseas location but the units home station. Complete clowns, stay away at all cost! Good app with management and employees that's clueless regarding how the military actually works. These clowns don't even accept EIP (Economic Impact Payments) that's US Treasury Checks......
This bank has no accountability when it comes to mistakes made. Not only did they overdraft my account by almost $20K when trying to buy a house, they lost the closing check and couldn't meet any request to receive the check at an earlier time, even when I offered to pay for the more expensive checking. You will never be able to speak to a manager. It isn't allowed for some reason, meaning that you will never speak to someone that can actually get anything done. Every response is, I will communicate this to the appropriate team. I've never dealt with a more unprofessional company that has caused more issues with any process than I have with this bank.
Originally selected this bank as a budgeting tool via a shared account with them. Unfortunately, there was no way to assign transactions that were paid for to the expenses that we listed within our budget. The safe to spend amount always read zero no matter what the available balance actually was. Extremely complicated experience and anything BUT simple. Customer service was also extremely incompetent and negligible, the first call being for 1 hour with no solution, the second call being a half hour long and to be hung up on. I'm throwing in the towel and will not be coming back.
Regarding the website, it's login is easy for customers. It has an overall clean and sleek design. The main dashboard is smart. The Safe-to-Spend feature that Simple bank offers is genius. I absolutely love it. I use it to budget all (or close to all) of my fixed/regular expenses. I also really like the graph feature. It's a great way to visually see how I have been spending my money. I don't believe the app has it. I can even see trends in each type of expense (such as shopping, or fast food) -- which is really neat. I really recommend everyone use Simple. Their Safe-to-Spend feature alone is worth changing banks for. I've been using Simple for a couple of years now and have no complaints. Customer service is great, it's easy to withdraw cash at places like Walgreens, I feel like I'm so organized now with my spending, and I can't wait to see what services and features they will offer next.
Simple is my choice of bank for online banking in the United States -- they have a super simple app that does everything you'd ever need it to do for US banking and customer support through the app is painless although it can sometimes take them a little while to reply. For urgent things, you can call them 24/7 -- I wish the in-app answering time were faster so I wouldn't need to use this option, though. Also, it would be great if they'd follow the lead of some other banks who do not charge foreign transaction charges/ATM fees.
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Simple is online banking with superhuman customer service and tools to help you easily budget and save, right inside your account.
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