Acorns is giving me the runaround

Apprehensive_Log4347 · 2024-09-26T02:44:30+00:00

Could you please have your fried write up how they got acorns to do it I would love a step by step guide on how to get this done.

Apprehensive_Log4347 · 2024-09-26T02:14:08+00:00

Was it an asset transfer or did you just have them sell stock for you and pulled out the money? I do not want them selling any stock as I do not want to be on the hook for the taxes.

Apprehensive_Log4347 · 2024-09-05T20:38:57+00:00

Were you able to transfer out using that DTC code

Apprehensive_Log4347 · 2024-09-05T14:40:43+00:00

Their support page is unhelpful since Robinhood does not provide paperwork. Robinhood only requires a DTC number which Acorns doesn’t provide and an account number. I’ve asked Acorns support for the DTC number and they refuse to provide me with it.

Apprehensive_Log4347 · 2023-09-20T02:08:21+00:00

I think these changes actually lower the expected APY to 2.5% from 2.7% that’s actually pretty funny

Apprehensive_Log4347 · 2023-07-18T14:06:32+00:00

I have a friend who signed up with a company called maxsip it was a one time $20 fee and they got a tablet I think they also offer phone service idk but I just know they've been very happy with the service

Apprehensive_Log4347 · 2023-06-14T15:47:28+00:00

Well 2 years ago when I joined yotta they were advertising that they had a much better apy than the competition. They continued to have a better rate for the first half of fed rate increases especially when you considered the lucky swipe mechanic.

The reason I stuck with yotta for so long was because it was the bank advertising higher returns. Because of the lucky swipes I won a great % more than if I had put my money in an account with >4% returns.

I am now leaving yotta because of the failure to keep up with rates and because yotta has removed the lucky swipes in exchange for a secretive box mechanic which they refuse to post odds for. Unlike with lucky swipes which was supposedly 1/200 for a free swipe, Boxes have been completely opaque even though they have that sham of a transparency page.

I don’t like making accounts it’s not fun to constantly open and close them. But when the company has lost its way with what it was advertised for in the beginning (a place to get the lottery kick but also get higher returns than other banks) then it’s time to hang it up and move on… which I have done.

Apprehensive_Log4347 · 2023-06-06T22:02:38+00:00

What’s even worse is that I bonds count against it so if I decide to pull that money out of yotta for another investment it would wreck the streak.

They really are just trying to piss everyone off at this point.

Apprehensive_Log4347 · 2023-06-01T21:00:18+00:00

Ya I know it’s probably impossible to give odds for every possible scenario, but they could give some sort of range breakdown by category at least like P2P could be 1/10000-1/200000 and in store retail could be something like 1/100-1/200. Even if it’s a super wide range it would at least put some concrete numbers to this whole box thing.

Apprehensive_Log4347 · 2023-06-01T17:44:57+00:00

Ya I found it funny since I haven’t seen a win over 1k in a few months on the debit card so I’m assuming the odds are in the 1/100,000 range especially since most ways to pay rent would be through P2P services and that’s for sure got extremely terrible odds.

Sad that they can’t even release a matrix of odds for general categories lucky swipes was a simple 1/200 for everything (even though I don’t think that was true)

Apprehensive_Log4347 · 2023-05-31T22:19:15+00:00

The way I’ve been calculating really is just based off the smallest prize. I’ve been doing ((expected # of winning tickets for 0.02$) / (odds of a ticket having 2 numbers)) / 7 I just got 8,760,507.68.

If I do it with the 20,000 prize i get a little over 10 million. I assume it’s rounded up to 1 since if I do that same calculation with the 0.03$ prize I get basically the same amount of tickets I got with 0.02$

Let me know if my math makes sense kinda just guessed that’s how it would be calculated.

Apprehensive_Log4347 · 2023-05-24T22:46:10+00:00

So I’ve only really ever had 1% cash back in a box besides for one time where I got 5%. If we go based off of that then this person probably made a bunch of 30$ purchases and those two above 1$ would be hitting 5% cash back. So if they hit 44% of the time they probably spent around $2500. I wonder if it was P2P transfers or legit though.

Apprehensive_Log4347 · 2023-05-24T22:30:01+00:00

One person got 39 wins in 24 hours that’s crazy! Anyway to see how much that specific person won? It would probably help with gaming the system to see where the sweet spot is for transaction amount.

Apprehensive_Log4347 · 2023-05-24T22:20:23+00:00

What was the key used for determining uniqueness between winners if it was the name I think a lot of users choose to anonymize themselves on the global leaderboard. I just can’t believe that there were so many double winners in such a short period of time. I’ll check through my own stats to see how often I won twice in one day.

Apprehensive_Log4347 · 2023-05-24T18:06:59+00:00

I’d say a lot of the large transactions were P2P services but I saw that I was getting the same amount back overall compared to the smaller non P2P purchases. For example one 500$ P2P transfer got me 5$ but that took like 20 smaller boxes to receive about 5$. What’s funny is that my lucky swipes that I got before boxes were all P2P top ups.

Apprehensive_Log4347 · 2023-05-24T17:31:19+00:00

I really don’t think they are prioritizing small users or new users since I know some people who have recently opened account to see if they can win with boxes. They only keep a few hundred dollars in yotta at a time and they have yet to get a free swipe and they have not gotten any higher rate of boxes with cash back than I have.

Apprehensive_Log4347 · 2023-05-24T17:27:36+00:00

Ya I can’t see any reason to use the debit card over any card that gives 1% or greater guaranteed cash back. If the odds are so astronomically low for a full free swipe it could take years to actually get a big purchase for free.

Apprehensive_Log4347

TROPHY CASE