It aight
It don’t got 300 different ways to save money, invest, check your credit score, and talk to a financial advisor but I don’t want an app bogged down by an overpopulation of features. This app does the banking stuff pretty well. The UI doesn’t get in the way and it’s similar enough to how other banking apps operate to be intuitive.
Thank you to the developer who spend a long time to make my day a tiny bit easier.
Thank you to the developer who spend a long time to make my day a tiny bit easier.
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App Won’t Let Me Log In
I have changed my password several times. I can log in if I use Google but the app continues to tell me there is an issue. I have given up on it. Would’ve been nice to not have to constantly log in on Google but whatever.
Very Disappointing Experience
I had a very disappointing experience with Happen Bank and would not recommend them based on my experience.
I took out a roughly $12,000 personal loan during a financial emergency, which included a $1,000 origination fee. Shortly afterward, my financial situation changed and I was fortunate enough to be able to pay the loan off in full after only three weeks.
Because the loan was outstanding for such a short period of time, I contacted Happen Bank to ask whether they would consider providing a partial refund or adjustment of the $1,000 origination fee. I was not asking for the entire fee to be waived, but simply hoped they would show some flexibility given the circumstances.
Unfortunately, they were completely unwilling to compromise. In total, I ended up paying approximately $1,150 in fees for having a loan for just three weeks.
I understand that fees are disclosed in a loan agreement, and I accepted those terms when I took out the loan. However, I was disappointed by the complete lack of flexibility or consideration when I paid the loan off so quickly. Given the circumstances, I expected at least some willingness to work with me.
Overall, this experience left me feeling that Happen Bank was much more focused on collecting fees than on providing reasonable customer service.
I took out a roughly $12,000 personal loan during a financial emergency, which included a $1,000 origination fee. Shortly afterward, my financial situation changed and I was fortunate enough to be able to pay the loan off in full after only three weeks.
Because the loan was outstanding for such a short period of time, I contacted Happen Bank to ask whether they would consider providing a partial refund or adjustment of the $1,000 origination fee. I was not asking for the entire fee to be waived, but simply hoped they would show some flexibility given the circumstances.
Unfortunately, they were completely unwilling to compromise. In total, I ended up paying approximately $1,150 in fees for having a loan for just three weeks.
I understand that fees are disclosed in a loan agreement, and I accepted those terms when I took out the loan. However, I was disappointed by the complete lack of flexibility or consideration when I paid the loan off so quickly. Given the circumstances, I expected at least some willingness to work with me.
Overall, this experience left me feeling that Happen Bank was much more focused on collecting fees than on providing reasonable customer service.
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App is unusable
If you don't want to enroll in Debt IQ, you can't escape the bullying. The app opens to a full page Debt IQ ad you have to dismiss. Then you have to scroll down past another Debt IQ ad to see your accounts, while avoiding a floating Debt IQ button that never leaves. Debt IQ also has a whole tab on the bottom navigation, it's presented first in every list of accounts or offers, it's inescapable. I just want to use my checking and savings accounts without this product I don't need being pushed at me from every angle. Make it stop or I'm out. This is the worst banking app I've ever used.
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Does not update
Kept saying we are confirming your loan meanwhile it had been and payment went past due because i kept seeing it say it hadnt finalized my loan, they called me well before and said i would be called when complete, i never got that either
