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501 points eeemmmooo | 75 comments | | HN request time: 2.038s | source | bottom

This is an update to my previous post https://news.ycombinator.com/item?id=34189717 . Stripe has resolved the issue and everything has been released. I told the contacts at Stripe that I would do a write up about what happened from my point of view to help them understand what happened to me. I figured it would be good to do that write up publicly to help both Stripe and potential Stripe customers understand what happened and how it was resolved.

Summary: Stripe put my accounts in review for a spike in sales on Cyber Monday. Throughout the month we received very little communication from Stripe and had many support chats and calls. Keep in mind that the whole time Stripe was still accepting payments on our behalf on all of these accounts. Each of the chats/calls asked us to upload the same invoices each time for review and gave us vague information that our accounts were being reviewed. Finally out of frustration I posted on HN about my issue. Thanks to @dang for getting a Stripe employee to respond and he was finally able to resolve the issue for me.

Overall this review process was pretty bad. Very little communication and nothing I could really do directly to move things along or get any real information. It took a random Stripe employee to get an email from @dang and post on HN in order to get this issue resolved. I’m lucky because I know about HN and know that Stripe employees frequent the site, but I don’t think HN wants to become the Stripe support forum.

Stripe you can do better. We all know that in order to scale you need to automate pieces of your infrastructure and communication. But, there is a balance between automation and manual review. When someone like me gets caught up in an automated system there needs to be better ways of letting support help that person.

See my comments below for actual details and dates.

1. DevX101 ◴[] No.34233215[source]
I'm glad your issues were sorted, but I'm uncomfortable with the idea that you need to make a social media post to get a customer service issue resolved. This isn't just stripe. I see this with many other companies on social media. I don't post on Twitter, and I'd rather not put my account details for some service I use in a public forum.

It's starting to seem like for too many companies, resolving public complaints has become a line item in the marketing budget.

replies(11): >>34233273 #>>34233335 #>>34233358 #>>34233481 #>>34233483 #>>34233484 #>>34234259 #>>34235004 #>>34235022 #>>34235713 #>>34236367 #
2. A4ET8a8uTh0 ◴[] No.34233273[source]
Sadly, this has been a thing for a while. As a T-Mobile customer, at one point, it eventually took me to put a request via Twitter to get the matter resolved in 20 minutes as opposed to previously spending hours on the phone with tech support ( with no results to show for it ). It is, quite frankly, infuriating; especially for a telecom.

edit: I genuinely do not get why it took Twitter referral in my case either ( it was a technical matter of moving one phone number from carrier to another, but do they have their 'A team' for social media only?). Well, did. No idea what Twitter looks like now.

replies(4): >>34233514 #>>34233617 #>>34234749 #>>34244743 #
3. pastor_bob ◴[] No.34233335[source]
Public shaming and social media managers are probably more flexible than customer support, if it even exists, (i.e. they can forward a complaint to the right people).

I'm sure there is a solution to better solve these 'problems' that pop up but not something high on the list for most places to pursue.

4. d883kd8 ◴[] No.34233358[source]
There's this other thing where instead of posting your Complaint to HN you can file your Complaint in a court of law, it's kind of like an analog version of Zendesk that every company has to use.
replies(1): >>34233423 #
5. bobbylarrybobby ◴[] No.34233423[source]
And it takes a thousand times as long and infinitely more money than posting a complaint online.
replies(1): >>34233540 #
6. Trias11 ◴[] No.34233481[source]
Customer support is a liability and every large company will allocate absolutely minimal possible resources to any liability.

This of course can backfire via social media into negative reputation and some repeated bad behaviors can landslide into class action.

But large companies are willing to accept such risk and will continue such pattern.

replies(1): >>34234261 #
7. cjbgkagh ◴[] No.34233483[source]
Someday it’ll be cheaper to suppress negative views on social media than to address them. Until then I’ll enjoy the good times that come with being able to shame big companies in public.
replies(1): >>34234220 #
8. nikanj ◴[] No.34233484[source]
Making the post is not enough, you also have to get it to the front page of Reddit or HN
replies(1): >>34234245 #
9. Consultant32452 ◴[] No.34233514[source]
They have their "A" team on social media, but not the "A" team you are referring to. The marketing department runs social media and they have importance/power, unlike the customer support line you get to call.
10. cjbgkagh ◴[] No.34233540{3}[source]
Small claims court is pretty good if it’s available to you and most disputes probably fit within the limits. These courts deal with corporate malfeasance quite a bit so they’ve likely seen it before. They’ll often penalize the offending company with 2x+ damages and if the company still won’t pay you can get a bailiff to come with you to go impounding assets. They use fire sale prices to offset the debt so it costs the company way more to let you walk off with assets than it does to cut you a check. So usually by that stage they relent and pay you your judgement.
replies(1): >>34234035 #
11. mint2 ◴[] No.34233617[source]
The reason it take a Twitter referral is that the phone reps usually are “subcontractors” that aren’t allowed to do anything. There’s a good chance they have to meet absurd metrics in order not to get fired.

This linked article explains why in many cases a companies phone support can’t do much and is also mistreated.

https://www.propublica.org/article/meet-the-customer-service...

replies(2): >>34233810 #>>34242720 #
12. Michelangelo11 ◴[] No.34233810{3}[source]
Right, they really just function as frustration absorbers more than anything else.
13. jimnotgym ◴[] No.34234035{4}[source]
In the UK you couldn't claim $400k through small-claims, it is limited to £10k. Is it that high in the US?

You also can't get 2x damages, or a fast process!

replies(2): >>34234294 #>>34234361 #
14. james_pm ◴[] No.34234220[source]
Twitter Blue Plus - boosts your @ messages sent to verified companies to shame them more effectively.
replies(2): >>34234624 #>>34234843 #
15. TheCapn ◴[] No.34234245[source]
Yep. I had an issue with Apex Legends and after the support channel failed me I attempted to engage with Respawn users on Reddit/Twitter when my post got 5 upvotes. Ignored on all accounts.

It feels criminal to have some automated system remove your access to a paid application with no recourse, but that's modern Customer Service it seems.

16. jlokier ◴[] No.34234259[source]
After 5 days of trying to get my bank account at Revolut unblocked so I could pay my rent with the cash locked up in it, having chatted with maybe 5 representatives, waited for hours each time (their only official contact channel was in-app chat and you had to wait hours for a response), got told "since you are not replying I'm closing this chat" a couple of times in the middle of the night while I was asleep having sent a query hours before, and uploaded requested photos of documents, cards and id... I took someone's advice and posted to their Facebook chat.

The account was unblocked within 20 minutes.

Their social media person miraculously had the ability to ask someone to fix the problem, who miraculously got in touch within a few minutes and pressed the miraculous "fix problem" button in Revolut, which a series of "customer support" agents somehow couldn't do for most of a week.

replies(5): >>34234685 #>>34235962 #>>34236868 #>>34241796 #>>34253831 #
17. butlerm ◴[] No.34234261[source]
$400,000 in withheld funds is not the sort of thing you should just place on the back burner and ignore while your client fumes. It is business malpractice, the sort of thing you could get sued over and be penalized heavily for, if not merely lose your customers and blacken your reputation everywhere. Businesses that do not resolve problems like this in less than twenty four hours deserve to go out of business.
replies(1): >>34234578 #
18. cjbgkagh ◴[] No.34234294{5}[source]
> if it’s available to you and most disputes probably fit within the limits
19. criddell ◴[] No.34234361{5}[source]
Small claims is definitely less than $400k. In Texas the limit is $20k.

It probably doesn't really matter though. Your contact with Stripe probably requires arbitration but that isn't necessarily a bad thing either.

Check out:

https://news.ycombinator.com/item?id=31567673

replies(1): >>34237024 #
20. teraflop ◴[] No.34234578{3}[source]
The great thing about holding $400,000 of your customer's money is that that's $400,000 they can't spend on suing you.
replies(1): >>34234918 #
21. ◴[] No.34234624{3}[source]
22. TAForObvReasons ◴[] No.34234685[source]
Frontline support is oftentimes outsourced to firms like Arise Virtual Solutions [1] and workers typically have very little authority to escalate or fix more complex issues. Social media people usually have channels to marketing and other teams and are explicitly instructed to escalate the "trending" cases

[1] https://www.propublica.org/article/meet-the-customer-service...

replies(1): >>34235631 #
23. randomdata ◴[] No.34234749[source]
Last time I had to speak to my telecom operator, which granted has been a while, Twitter was clearly where business took place. Interactions were always pleasant meeting them in the right place.

Isn't calling them by phone, as if you're still stuck in the 1950s, like showing up at the back door at a restaurant and wondering why you weren't greeted by the host and seated promptly? Maybe the surly dishwasher will eventually notice you standing there, but why would their 'A team' be there waiting for you?

replies(2): >>34235397 #>>34238109 #
24. jaredsohn ◴[] No.34234843{3}[source]
Based on what you replied to, I thought you were going to say that Twitter Blue Plus allows you to suppress posts written about your company
replies(5): >>34234997 #>>34235008 #>>34235073 #>>34235118 #>>34243856 #
25. hackbinary ◴[] No.34234918{4}[source]
Absolutely not true. There are many lawyers that will take cases on a "no win, no fee" basis.

Clearly Stripe was in breach in this circumstance, and courts look dimly on that kind of behaviour.

26. lostlogin ◴[] No.34234997{4}[source]
That’s next weeks plan.
27. wpietri ◴[] No.34235004[source]
One of the things I think about is the difference between shame and guilt. I've heard the difference described as shame being about failing other people's standards, while guilt is about failing your own.

I think many companies don't have much in the way of internal standards. As long as the revenue graph goes up and to the right, few will question anything. But they do have PR teams that recognize the brand as valuable. So unfortunately what we have left is shaming them via social media.

28. yifanl ◴[] No.34235008{4}[source]
That's coming out with Twitter Gold Plus Plus
29. richardw ◴[] No.34235022[source]
The company I’ve spent the last 5 years at (just resigned to emigrate) has a rule. If you come across an unhappy customer and don’t do anything, you should be fired. 10k employees, insurance, banking. Nobody moaned because we understand the reasons for it. I embraced it and have escalated many calls.

In a world of indifference, that’s a solid stake in the ground.

replies(1): >>34236956 #
30. komadori ◴[] No.34235073{4}[source]
Twitter Business Pro customers can suppress tweets from Free, Blue, and Blue Plus accounts for a small fee per tweet. However, if you want to suppress tweets from Gold, Platinum, or Platinum Plus accounts then you'll need to reach out to Twitter Enterprise Sales to discuss your needs further.

/s

31. wmeredith ◴[] No.34235118{4}[source]
Yelp already does this. You can pay to have them hide bad reviews. Or, to put a finer point on it, many small companies that refuse to pay Yelp's protection money find their negative reviews much more visible.
replies(2): >>34235448 #>>34239740 #
32. A4ET8a8uTh0 ◴[] No.34235397{3}[source]
Hmm. It is an interesting question. Personally, this is one of the things I credit Amazon with ( "removing friction","customer obsession" ). Whether I call, chat or send an email, the result is a consistent and decent customer service that can get stuff done ( and where it can't, it can escalate to those that can ).

I am not sure you should equate me signing up for a 3rd party broker not only accepted, but a given. I personally do not believe it is old fashioned to have your business reachable by phone, when things go wrong ( in fact, I am not sure how Google and others have been able to get away with it so far ).

In other words, it is nice that T-Mobile extends their online presence to accommodate social media, but they may want to stick to their core strengths, because this is what I actually pay them for.

In your restaurant example, I go to a restaurant and I am greeted by a pimp, who happens to know Maître d' and can get you a good seat as a result. This is ok for some and I accept some people choose this as their default option. I like to go the actual restaurant ( T-mobile webpage or their call center ).

<< why would their 'A team' be there waiting for you?

Because I am a paying customer. That is why.

replies(1): >>34235471 #
33. ◴[] No.34235448{5}[source]
34. randomdata ◴[] No.34235471{4}[source]
> I personally do not believe it is old fashioned to have your business reachable by phone

You can reach them by phone, but it's not the way things are commonly done, so you're going to get suboptimal results. You can also mail them a letter (the snail mail kind), but I expect you'll receive even poorer results than by phone doing so given that it is even less common to conduct business by mail. For better or worse there is only so much time in the day so you have to focus on what works for the 90% common case and just try your best for the remaining 10%.

> Because I am a paying customer. That is why.

You're paying for something, but apparently not phone support, else you would not be a paying customer anymore when they failed to provide what you thought you were paying for. What is in it for them to provide you something that you're not paying for?

replies(2): >>34235755 #>>34237350 #
35. marcosdumay ◴[] No.34235631{3}[source]
Well, that's the explanation, and yeah, most people here knew it already.

But every thing with that is wrong. That part in particular "workers typically have very little authority to escalate or fix more complex issues" is a plain and straight refusal to solve any problem the company may cause.

replies(1): >>34236862 #
36. ◴[] No.34235713[source]
37. ◴[] No.34235755{5}[source]
38. throwaway67743 ◴[] No.34235962[source]
I had a similar issue with revolut - there is zero ability to contact them if you can't login to your account, after a week of abusing business sign-up to not get any useful response I filed a complaint with the financial regulator, within a few hours of them receiving it they magically called me and resolved it there and then. (I don't have a Twitter account or anything) Also, that complaint will stay on file and guides the regulator when reviewing licenses etc down the road so you should also file them as a matter of course- they would prefer social media because they don't have to answer to authorities about their behaviour.

But either way I don't use them anymore as they're just not reliable in a situation where you might be stranded etc.

39. xwdv ◴[] No.34236367[source]
If this is the way things are going, then there should be some kind of influencer types with large clout who can bring up these sort of cases on behalf of an anonymous party.

Imagine having no real social media footprint or even a bad reputation with lots of downvoted posts. How are you supposed to resolve your issues when a company has decided no one would give a shit about you if you complained? You need someone to vouch for you and help you hold their feet to the fire, you need an individual who will tell your story to an audience that is too expensive to disappoint.

replies(1): >>34238219 #
40. ethbr0 ◴[] No.34236862{4}[source]
What fascinates me is that companies obsessed with KPIs don't seem to independently count unfixed issues.

Firewalling customer support behind another company or division is okay, but at least make sure you have a parallel feedback mechanism to know how they're doing!

Social media support seems like the shitty version of this, but it's not rocket science to be able to regularly independently audit a random subset of issues by your CSR contractor. Internal audits have been standard practice in similar healthcare scenarios for decades.

replies(1): >>34237823 #
41. ornornor ◴[] No.34236868[source]
Revolut is a terrible company with an insane CEO exploiting its workers[0][1][2].

There are better alternatives like TransferWise or N26.

[0]: https://www.wired.co.uk/article/revolut-employment-coronavir...

[1]: https://news.ycombinator.com/item?id=19280131

[2]: https://www.wired.co.uk/article/revolut-trade-unions-labour-...

replies(1): >>34240859 #
42. ethbr0 ◴[] No.34236956[source]
A well-known home improvement retailer has a similar rule: you take the time to help anyone with an issue resolve it, or directly hand them off to another employee who can help. No pointing and then ignoring. Or email forwarding and then ignoring.

Granted, everyone is busy and it isn't always followed, but as a guiding organizational foundation one can do a lot worse.

replies(1): >>34237444 #
43. ethbr0 ◴[] No.34237024{6}[source]
Do you still technically have a contract with Stripe after they've suspended access to your funds?

I'd assume yes, but it seems weird to have a contract still in force with a company who refuses to do business with you...

replies(1): >>34276804 #
44. A4ET8a8uTh0 ◴[] No.34237350{5}[source]
<< For better or worse there is only so much time in the day so you have to focus on what works for the 90% common case and just try your best for the remaining 10%.

I did, eventually, and I am voicing my discontent over having to do so.

<< You're paying for something, but apparently not phone support,

I received some support ( as flawed as it was, which reflects poorly on the company ) and that customer service number exists, therefore phone support exists and therefore I ,also apparently, pay for phone support. In other words, I think your argument is flawed.

That said, I think you are wrong in a much grander sense.

The question is not whether I pay for non-existent support. The question is why we allow oligopolies to run amok, because I am fairly certain if more options were available, this run towards the bottom would not be so awful from customer experience perspective, where CEOs are only focused on 'how to squeeze out more out of this rock' with the solution being: "I know. We will let them complain online and use that as our call center. Think of the savings." and NOT "How can we make our service better so that customers don't leave for greener pastures?".

That is the question.

replies(1): >>34238073 #
45. richardw ◴[] No.34237444{3}[source]
Ours was anywhere. You come across what seems like a frustrated client in a pharmacy, you identify yourself and help. I've helped people who expressed anger at social events. Can't always fix the issue but the company's app has a place for staff to escalate, so it's easy to kickstart the process.
46. TAForObvReasons ◴[] No.34237823{5}[source]
Customer support, at a company that is not obsessed with customer support and satisfaction, is typically "check the box". They have to provide some sort of support. It is seen as a cost center rather than as a face of the company. "number of unfixed issues" isn't relevant if you perceive customer support as perfunctory.

As a result, for many companies obsessed with KPIs, the only KPI for customer support is "price". In that lens, they are optimizing.

Obviously this situation is awful for customers.

replies(1): >>34238087 #
47. randomdata ◴[] No.34238073{6}[source]
> therefore phone support exists and therefore I ,also apparently, pay for phone support.

My misunderstanding. So, in that case, you got what you think you are paying for and are clearly happy with what you got in return for your money as you continue to pay for it going forward. What's your concern again?

> I am fairly certain if more options were available, this run towards the bottom would not be so awful from customer experience perspective

Perhaps there aren't more options because you're too price sensitive? I'll give you all the top quality telephone support you could ever want for $10,000,000 per year, but I strongly suspect already that your answer is "no thanks". If I had to offer you phone support at the same price as T-Mobile it would be unquestionably worse, not having the economies of scale they have.

Since you are clearly happy with the product they offer, at least given the price they offer it at, how could any other options rise up? Anyone smaller trying to offer an alternative would have to charge more just to provide the same level of support, and a lot more to provide better support. Are you getting out your wallet to see that happen or is this one of those fake rants that "actions speak louder than words" was coined for?

replies(1): >>34238913 #
48. ethbr0 ◴[] No.34238087{6}[source]
Granted in practice, but my point is that engineering should care.

If you've got nice insulation from your customers, how do you even know what you built is working?

I've seen too many bizarre real-world failure cases and complex systems-on-systems to trust that my metrics are capturing everything that breaks.

49. reaperducer ◴[] No.34238109{3}[source]
Twitter was clearly where business took place... Isn't calling them by phone, as if you're still stuck in the 1950s

You're using Twitter like you're still stuck in 2008? All the cool kids are on Vazpe32shaau! If you aren't reaching out to customer service on Vazpe32shaau, then you're not worth having as a customer!

replies(1): >>34238182 #
50. randomdata ◴[] No.34238182{4}[source]
> You're using Twitter like you're still stuck in 2008?

That's approximately the timeframe when I last had to speak to my telecom operator, yes. Like I said in the previous comment, it's been a while.

I wouldn't expect that to be where business is conducted in 2023. The world certainly doesn't stand still. You can stand still if you wish, I guess, but don't expect everyone else to cater to that choice.

Don't get me wrong, I like banging out morse code on the telegraph as much as anyone, but if you don't get the desired results from it at some point you have to look inward.

51. reaperducer ◴[] No.34238219[source]
If this is the way things are going, then there should be some kind of influencer types with large clout who can bring up these sort of cases on behalf of an anonymous party.

These have existed in newspapers for at least a half a century.

There's a nationally-syndicated travel expert who does nothing but travel customer service with plenty of name-and-shame.

52. A4ET8a8uTh0 ◴[] No.34238913{7}[source]
<< you got what you think you are paying for and are clearly happy with what you got in return for your money as you continue to pay for it going forward

I will admit I am mildly concerned I am being willfully misunderstood, which goes against the spirit of HN conversations. I would not characterize me as happy. My issue was resolved, but that issue explicitly could and should have been resolved earlier ( as it clearly could have been ) without the need to of intermediaries in the form of Twitter. And what happens to all those poor folks, who were banned from Twitter? They can't get 'good' support now, because T-Mobile is saving a few bucks? How is that even in the realm of being acceptable business practice?

<< Since you are clearly happy with the product they offer,

It is a stretch and it goes back to my lack of options "rant" above that include oligopoly position in nearly every industry in US. If I had 20 providers to choose from, somehow I do not think we would have this conversation. Instead, I get to choose, who will piss me off the least. That is not happy. That is merely not sufficiently angry yet.

<< "no thanks"

You are right. The price is ridiculous for an individual and most businesses.

<< If I had to offer you phone support at the same price as T-Mobile it would be unquestionably worse, not having the economies of scale they have.

Not necessarily. Virtual providers do exist ( and they don't seem to be doing badly ), but they happen to be running on the same network as the existing oligopolies giving the illusion of choice, which only hides the real issue here.

<< Anyone smaller trying to offer an alternative would have to charge more just to provide the same level of support, and a lot more to provide better support.

Maybe? I certainly had no way to test that proposition. Ever since I was a little boy, there were only a handful of telecoms for some unfathomable reason.

<< Perhaps there aren't more options because you're too price sensitive?

Maybe? What price range are you talking about specifically though? $100 for two lines with some silly 2gb cap? I frankly pay too much as it is compared to similar services in EU ( I can't readily compare to India or China, but I suspect those prices are even lower there ). If I am sensitive to price, it is because I like to get value for the money spent.

replies(1): >>34240018 #
53. chemmail ◴[] No.34239740{5}[source]
Oh no, Yelp never, never, NEVER does anything like that. We actually don't even have control of our site!!!!
54. randomdata ◴[] No.34240018{8}[source]
> I would not characterize me as happy.

It would be irrational to pay for a service you are unhappy with. Perhaps you mean you are are "unhappy" in the same way that one is "unhappy" to have a $5 BigMac over a $50 steak? Which is to say that the BigMac is good for the price, even if not the best food imaginable.

> If I had 20 providers to choose from, somehow I do not think we would have this conversation.

Just about anyone (with reasonable knowhow) can provide you phone support. If there are fewer than 20 people out there willing to do that for you, I'd be flabbergasted. But they won't work for free, and probably not even for cheap. You've no doubt chosen the bargain basement option provided by T-Mobile because you find it balances the best value for the money. It's not great service, but it is cheap service. It's the $5 BigMac, even if you are really craving $50 steak, but don't want to spend $50 on a meal.

> Ever since I was a little boy, there were only a handful of telecoms for some unfathomable reason.

We seem to be flailing around here a lot, but it was made clear to me in the last comment that we're talking about the phone support being paid for. Phone support does not have to work directly for the telecom to interface with the telecom. They can talk to you to find out the problem and then do whatever it takes to get the job done with the carrier afterwards.

How much are you actually willing to pay for that, though? It seems the answer is not much. So why would competition rise up to make no money?

Let's take that further: Why aren't you offering this service to others? Because you realize you won't make any money?

replies(1): >>34240553 #
55. A4ET8a8uTh0 ◴[] No.34240553{9}[source]
<< It would be irrational to pay for a service you are unhappy with. Perhaps you mean you are are "unhappy" in the same way that one is "unhappy" to have a $5 BigMac over a $50 steak? Which is to say that the BigMac is good for the price, even if not the best food imaginable.

Hmm. No, but at least now I can understand the perspective you seem to be speaking from, which partially explains the disconnect between how we perceive the world. You seem to think I talk about 'hardware support', whereas I am talking something T-Mobile is taking money for ( and that includes.. you know, connecting my call to people I call, routing text messages and data where they belong and respond to appropriate customer queries ). I would like to point out that 'moving number from one provider to the other' shouldn't even need to qualify as customer service, but onboarding, which the company should be doing everything to make sure is as seamless as possible.

I am "unhappy" because my "choice" in the matter of choosing a provider is limited to 3 major competitors in US. I provide myself with the 'support' you seem to suggest. This is explicitly not what we talked about or even a reasonable interpretation of my original complaint. I am 'unhappy', because I buy Big Mac at McDonalds, but upon purchase I am told to go that other store across the street to complete the purchase. How is that reasonable?

<< it was made clear to me in the last comment that we're talking about the phone support being paid for.

Are we? I am not even being difficult here. How is transferring number from one provider to another count as somehow separate 'phone support' and not just some basic initial setup?

<< Why aren't you offering this service to others?

Because when I sell Big Macs, I do not dare to tell people that pay me to go to the store across the street for self-assembly or help with Big Mac assembly. Like fuck man. I sincerely hope you are trolling me now and I am falling for it, because the alternative is that people have been actually convinced that this is an acceptable state of affairs.

edit:

<< How much are you actually willing to pay for that, though?

I already am. That is the point. I purchased a Big Mac and not separate bun combo with an asterisk stating some assembly required. I do not understand how this is somehow not a clear concept.

edit2: In fact, I got a Big Mac with a contract that includes a phone number to call when I need McDonald's help dealing with that Big Mac.

edit3:

<< even if you are really craving $50 steak, but don't want to spend $50 on a meal.

I feel obligated to ask now. What, exactly, is steak in this analogy?

edit4:

You actually got me riled up. Impressive.

From your perspective, should all customer inquiries be outsourced to social media to save businesses some dough?

replies(1): >>34241589 #
56. maeil ◴[] No.34240859{3}[source]
I'd love to move away from Revolut but neither of those options seem to offer a virtual credit card which is my main use case. Online purchases in US, EUR, GBP etc without having to worry about exchange fees or supported payment methods.
replies(1): >>34241406 #
57. rmsaksida ◴[] No.34241406{4}[source]
Wise does offer virtual cards as well as a physical one.
replies(1): >>34241937 #
58. randomdata ◴[] No.34241589{10}[source]
> From your perspective, should all customer inquiries be outsourced to social media to save businesses some dough?

"Should" requires applying emotion and you cannot participate in a good faith discussion if you bring in emotions.

All we can discuss is what is. If what you are trying to ask is: "Do some businesses only accept inquiries by social media?" I don't know for sure, but expect it happens. I know for certain that there are businesses which do not accept phone calls. There are even more businesses that do not accept inquiries by telegraph. Do any businesses accept inquiries by telegraph?

Like I said, businesses will put the most effort into accommodating the majority of customers where they are found. If that's social media, then social media is where the most effort will be made. Indeed, it stands to reason that a business that is primarily in the business of providing internet service for pocket computers used to access social media will find most of their customers congregating on social media. Other businesses might find that the customers are most likely to come in person. A retirement community might even find that the phone is where the people are. Certainly there is no universal medium here. Each business will be different.

That doesn't mean there won't be some best effort attempts to support customers on the fringes, but there is only so much time in the day and if you lose the customers on the fringes... Oh well? You will never win them all anyway.

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59. tentacleuno ◴[] No.34241796[source]
I've had experiences with Revolut, too. I only use them for their stocks feature, in which I have shares. Once they're sold, I'll move all the money over to Free trade (which is honestly way better IMO). So, that, along with having a handy backup debit card handy, should I have to max out the ATM limit on my other two cards :-)
60. maeil ◴[] No.34241937{5}[source]
Just had a look, looks like you need to first get a physical Wise card in order to get a virtual one (not the case for Revolut), and it's only available in a rather limited number of countries.

https://wise.com/help/articles/5O9VNQR4wt3iXwV0Dmm6zB/how-do...

replies(1): >>34242747 #
61. anakaine ◴[] No.34242720{3}[source]
Clearly one of those metrics isn't low wait times. Another is certainly not 99.9% case resolution or escalation.
62. refurb ◴[] No.34242747{6}[source]
Depends on the country you’re account is in. I got virtual cards before ever ordering the physical card.

But keep in mind it’s a bank debit card (charge immediately comes off your balance), not a credit card.

63. csomar ◴[] No.34243856{4}[source]
Elon musk was tweeting the other day about a premium option to "nuke" the tweets you dislike. The nuke will be delivered with a SpaceX rocket.
64. whoosh3 ◴[] No.34244743[source]
I share your frustration with T-Mobile. Now, even the Twitter reps are outsourced.

The basic chat reps <> TForce. If you @TForce on Twitter it's usually quick and easy. IIRC, those reps are domestic.

Porting numbers is a little complex but doable by regular reps.

Source: Used to do tech support at T-Mobile.

65. exadeci ◴[] No.34253831[source]
In my experience community managers are in the actual offices of the companies whilst support are a 3rd party overseas. So the CM is able to walk to someone's desk and get it fixed while the support can only try and escalate through their system.
66. A4ET8a8uTh0 ◴[] No.34254814{11}[source]
<< "Should" requires applying emotion and you cannot participate in a good faith discussion if you bring in emotions.

You are wrong about "should", because the word can and does describe non-emotional states ( not everything is deterministic and requires approximator like should ), but your point about good faith discussion is well taken. In fact, I think I should apologize here. There was no rational reason to be bent out of shape over this. Your argument is solid on the surface assuming what you write is taken at face value.

As a result, I took your advice and took myself away from the keyboard for a little while.

As I considered other things, I realized that you are still not correct despite being instinctively right about the business in general ( it goes where the money is ). You used the example of telegraph and I realized that what is wrong with the argument. Papyrus is older than telegraph and yet it is still used to deliver important messages ( like, say, warrants, summons, complaints ) suggesting it is not a question of age, but of utility. I posit that phone is in the same category as paper, because despite existence of email, telegram, signal, video chats, it has replaced telegraph, but nothing replaced phone yet in terms of barebones connectivity standard(s) that can be used across the globe. Unless we consider mobile phones a different animal, which would not be an unreasonable argument to make.

At end the end of the day, if I need to make a call to the old country and various apps don't work for one reason or another ( not everyone uses - or even can or wants to use - w/e app you use or maybe version is off or multiple other reasons ), calling is the way to go.

<< That doesn't mean there won't be some best effort attempts to support customers on the fringes,

I might accept calling is not default, but calling it a fringe might be mischaracterizing things a tad bit ( unless you have some evidence to prove, calls are indeed a fringe channel ).

replies(1): >>34261532 #
67. randomdata ◴[] No.34261532{12}[source]
> You are wrong about "should", because the word can and does describe non-emotional states

Questions of "how should a company behave?" can only be answered by one's feelings, and feelings require emotions to be formed. There are no rules of business encoded into the universe. Business itself is merely a human construct.

> At end the end of the day, if I need to make a call to the old country and various apps don't work for one reason or another

The modern phone system is built on apps, so if apps are not working for one reason or another the app you call a phone isn't going to work anyway. Long gone are the days of an operator physically connecting copper wires between two locations. The phone system you seem to be imagining no longer exists outside of museums.

> Papyrus is older than telegraph and yet it is still used to deliver important messages

And like I said in another comment, if you used papyrus to request support from your telecom operator, I expect you would receive even worse support than by phone. It's not where they are going to focus their energy because papyrus isn't where the community of customers live. I imagine they would put in some effort to accommodate you, but with only so much time in the day it will pale in comparison to where they put their focus.

> unless you have some evidence to prove, calls are indeed a fringe channel

Like I said, it depends on the business. The phone is unquestionably the primary channel of communication for some businesses when the community of customers primarily live by phone. Other businesses, particularly those close to government, do rely on papyrus as their primary channel of communication. And other businesses see physical presence as their primary channel. Going back to the restaurant, you're going to receive better service walking in the door than you will by phone. No doubt there will be a best effort to provide good service over the phone as well, but the customer who walks in the door is going to get the "A team".

The business of which we speak here is mostly in the business of connecting one's pocket computer to social media, so social media is quite expectedly where the community primarily lives. That doesn't mean they won't put a best effort into other communication channels, but if you want the "A team", you will reasonably go where the people are. Same as with every business.

replies(1): >>34265395 #
68. A4ET8a8uTh0 ◴[] No.34265395{13}[source]
<< You are wrong about "should", because the word can and does describe non-emotional states >> Questions of "how should a company behave?" can only be answered by one's feelings, and feelings require emotions to be formed. There are no rules of business encoded into the universe. Business itself is merely a human construct."

If that is the case, then everything is emotional. If everything is emotional, in practical sense, designation of 'emotional' does not carry using informational value. It is like calling everything racist.

<< At end the end of the day, if I need to make a call to the old country and various apps don't work for one reason or another >> The modern phone system is built on apps, so if apps are not working for one reason or another the app you call a phone isn't going to work anyway. Long gone are the days of an operator physically connecting copper wires between two locations. The phone system you seem to be imagining no longer exists outside of museums.

I would welcome some schooling on the matter. Do you have some additional insight/resources that could substantiate your claim? I do not exactly doubt you, but, just like with the underpinnings of US airlines, part of me sincerely doubts telecoms moved to, say, react framework to connect phonecalls. I might be wrong, but I would like some additional evidence of that.

<< And like I said in another comment, if you used papyrus to request support from your telecom operator, I expect you would receive even worse support than by phone. It's not where they are going to focus their energy because papyrus isn't where the community of customers live. I imagine they would put in some effort to accommodate you, but with only so much time in the day it will pale in comparison to where they put their focus.

I am not sure if you ever sent a complaint letter to a bank or similar regulated institution. I won't go into too many details, but, if anything, written letter gets a much closer scrutiny. It may be slower, but it does get results ( edit: speaking from experience ).

<< Like I said, it depends on the business.

I am willing to accept it as an argument.

replies(1): >>34271443 #
69. randomdata ◴[] No.34271443{14}[source]
> If that is the case, then everything is emotional.

For all practical purposes the state of the world is encoded into the universe. Relaying that state does not require emotion to carry into the message. If I exclaim 1+1=2, what emotion can you extract from that? The motivation for suggesting that 1+1=2 requires emotion to be present internally, but those emotions do not leak into the information presented.

> Do you have some additional insight/resources that could substantiate your claim?

I guess? https://www.history.com/news/rise-fall-telephone-switchboard...

I'm not sure what you're looking for, exactly.

> part of me sincerely doubts telecoms moved to, say, react framework to connect phonecalls.

If you use the phone app on your pocket computer, it very well could be using the React (React Native) framework. In the real world more likely it uses the OS's native APIs directly, but indeed React Native is just a thin layer above that anyway so the distinction is flimsy.

But yes, modern switching is also done in software. The phone is just another service that rides on the same network as all of these other services that we're talking about. Ultimately, what's really so different between Twitter and a phone call other than the exact bit arrangement that goes down the wire?

> I am not sure if you ever sent a complaint letter to a bank or similar regulated institution.

We are talking about support, not complaint. Those are very different letters.

> but, if anything, written letter gets a much closer scrutiny.

Particularly when the government is involved, no question. We already established earlier that the community that is government tends to live by paper. Once again, the "A team" lives where the people are. Even if Twitter is the best place for support, if you sent a complaint by Twitter it would be more likely be ignored because that's not where the regulators live. Like the recurring theme continues to tell, the most effort is put into where the people are...

replies(1): >>34275422 #
70. A4ET8a8uTh0 ◴[] No.34275422{15}[source]
<< I am not sure if you ever sent a complaint letter to a bank or similar regulated institution. > We are talking about support, not complaint. Those are very different letters.

Are you suggesting I should sent a complaint about the support to TMobile to get it in line with my expectations? That I can do.

<< For all practical purposes the state of the world is encoded into the universe. Relaying that state does not require emotion to carry into the message. If I exclaim 1+1=2, what emotion can you extract from that? The motivation for suggesting that 1+1=2 requires emotion to be present internally, but those emotions do not leak into the information presented.

I will need to sleep on that. Something feels off about the argument, but I can't put a finger on it.

<< Ultimately, what's really so different between Twitter and a phone call other than the exact bit arrangement that goes down the wire?

If it is all just 'pipes' and phones and Twitter is in the same category, then the difference is that it is a different company. That is more of a reason for customer to not be happy over contracting with company A, but being directed to unrelated company B for actual service.

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71. randomdata ◴[] No.34276419{16}[source]
> Are you suggesting I should sent a complaint about the support to TMobile to get it in line with my expectations?

As before, "should" cannot be answered in good faith, but a request for support ("Can you help me with my problem?") is very different to a complaint ("You have not resolved my problem."). People are going to do what they are going to do, but traditionally people will request support first and file a complaint only after that request failed to achieve resolution. Have you first requested support for the problem you have with support?

> If it is all just 'pipes' and phones and Twitter is in the same category, then the difference is that it is a different company.

And different companies go to where their particular customers live. If customers live on social media, social media is where the company will place their effort. That doesn't mean there won't be any effort to try and help others in other places, but there is only so much time in the day.

replies(1): >>34279767 #
72. jacquesm ◴[] No.34276804{7}[source]
You can literally claim 'breach of contract' and force them to perform under the contract. Stripe can stop further processing under the contract by all past actions until their notice of termination is going to be under the contractual terms as prior agreed upon.
73. A4ET8a8uTh0 ◴[] No.34279767{17}[source]
I think I will bow out. We are going in circles without a clear way to reconcile differing views. Lets agree to disagree.
replies(1): >>34279945 #
74. randomdata ◴[] No.34279945{18}[source]
Where do our views actually differ?

My only takeaway from all this is that you don't like the way things are with respect to how T-Mobile conducts support. That cannot be disagreed with. What you claim is your opinion can only be taken for what it is.

How would one even begin to disagree with that? "No, that's not your opinion! You actually feel this." I have no way to actually prove that assertion, leaving it to be an illogical statement and a bad faith response.

replies(1): >>34319437 #
75. A4ET8a8uTh0 ◴[] No.34319437{19}[source]
<< I have no way to actually prove that assertion, leaving it to be an illogical statement and a bad faith response

And that is your opinion. The response was a bona fide response, but I am no longer inclined to indulge this sophistry. You are wrong even in the summary itself. I provided reasons and rationale for why a given opinion is held and your response was to indicate that it is 'wrong opinion to hold, because A', which itself is just an opinion. In short, our views differ, because you hold an opinion that I hold the wrong opinion.

It is impossible to argue with that and so I will not spend more time on this thread.

Fare well.