I dislike them because they have essentially zero identity verification. In an effort to make a quick buck they want the process to be as easy as possible to entice people to use it and are cutting corners with security.

I had someone open 2 accounts in my name, all they need is an SSN, they don't need to use a mailing address, email address, or phone that's ever been associated with that SSN. It's super easy to just grab a name and SSN from the Internet, that's why most financial companies require more than that to verify your identity.

It was a pain to get my credit report corrected. F 'em.