| ▲ | That's Not How Email Works, HSBC(danq.me) |
| 132 points by HotGarbage 2 hours ago | 83 comments |
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| ▲ | jackfranklyn 16 minutes ago | parent | next [-] |
| The http:// thing is what stands out to me. Someone had to actively choose to serve content over http in 2026. Even if the original template was ancient, any security review would have caught that - unless they skipped that step entirely, which honestly tracks. I work with banking data day to day and the internal systems are often just as rough. CSV exports with inconsistent date formats between the same bank's own products. Transaction descriptions that are random truncated strings with no standardisation. Every bank formats their statements differently and some of them can't even stay consistent between their own account types. You'd think with the regulatory pressure around data accuracy this stuff would be sorted by now. But the reality is most banks treat their digital infrastructure like legacy plumbing - it works well enough that nobody wants to risk touching it. |
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| ▲ | crazygringo 6 minutes ago | parent [-] | | Does HTTP really matter in this particular case though? HTTPS still typically exchanges the Server Name Identification. So you know somebody is talking to HSBC. And the rest of the URL is just an anonymized tracking ID. So I'm having a hard time seeing what the threat is this particular instance. |
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| ▲ | nickname-derail an hour ago | parent | prev | next [-] |
| NAB Australia does exactly the same thing. Unless I "load remote images" when I receive their emails, they'll start mailing letters saying that they switched me to paper statements as their emails are not going through.
It also took me a bit to investigate as their emails were obviously coming through. |
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| ▲ | 63stack an hour ago | parent | prev | next [-] |
| So what do you think, what's happening here? My experience with IT in banks is that this entire "feature" of tracking who's opening/not opening emails must have went through about 50 people, and it must have taken at least a year from the idea forming in someone's head, going through all the administrative bureaucracy, getting approved, developed, tested, and rolled out. Is it that HSBC has 0 competent people who could have mentioned that "tracking pixels are unreliable, especially in 2025/26"? Or is it that everybody who mentioned this was overruled by middle/upper management because they know better? What about the http:// part? I imagine there must have been a few developers saying we should not be serving anything under http://. |
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| ▲ | stackskipton 39 minutes ago | parent | next [-] | | They might have competent people but most tech people working at a bank like are out of fucks to give. At these massive, unable to go bankrupt companies, you quickly lose all fucks to give. No one cares about opinion of ICs or even direct managers, Senior Management makes the calls and you either execute quietly or replaced with someone who is. When I worked for $MegaUSBank, there was two types of people. Those who realized their "spark" was draining out of them and got a new job after a few years and those who were just "Whatever, I push buttons and get paycheck." and had been there for 15 years. | |
| ▲ | malfist 44 minutes ago | parent | prev | next [-] | | I ran a team at FAANG where I supported people creating content, including emails, and no matter how many times I explained open tracking was only useful as a trend and not an individual evaluation it just went over people's heads. Senior leadership wouldn't believe me, kept harassing my team to explain why so and so who said they opened the email didn't have an open event, and why so and so who said they didn't open the email did have an open event. Authors wouldn't believe me because email open was the highest scoring metric they had. Less than 3% of recipients would land on the page for the publication, but >50% would "open" the email that has a teaser and a call to action to open the webpage. If they had to go off of the click through metrics which are accurate it'd make it sound like they were bad at their job. So everyone used open rates because it made them feel good. Either that they were writing engaging content, or made them feel like they actually had a handle on who was/was not reading their mail. No metric would have been better than this metric. | |
| ▲ | m463 8 minutes ago | parent | prev | next [-] | | I think of the term "state of the practice" Same thing happens with renting apartments. Slowly but surely, conveniences like apartment-phone-app (to open doors, to access mailboxes) get accepted by people and then they "throw the switch" and make the remaining 3% do it. Or maybe new renters must accept it to move in. And then they can deny access to apartments imeediately, track their residents, match with online activity and more... | |
| ▲ | dwedge an hour ago | parent | prev | next [-] | | At least they email him and don't send the stupid "you have an important message, login to see it" email. No idea what those important messages are, I'm sure sometimes they were important | | |
| ▲ | jandrese 34 minutes ago | parent | next [-] | | CRITICAL MESSAGE -- READ IMMEDIATELY The automatic payment you set up has processed successfully. | | |
| ▲ | nrds 20 minutes ago | parent [-] | | And if the automatic payment doesn't go through, well, then there's nothing to report on so no email generated. |
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| ▲ | dmd an hour ago | parent | prev [-] | | "hello we are your bank" |
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| ▲ | wat10000 5 minutes ago | parent | prev | next [-] | | I'd guess one of two things. One is a conversation that goes like: "I want to send letters to everyone who doesn't open our emails." "We can't really detect that. We could add a tracking pixel, but–" "Yeah, do that, the tracking pickle thing." The other is that the "did they open this?" feature was rolled out purely for metrics knowing that it's imprecise, and later on got repurposed for something unsuitable without looking at how the "did this email get opened?" facility actually worked. | | |
| ▲ | rkomorn a minute ago | parent [-] | | I would definitely open my mail if it came with a tracking pickle. |
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| ▲ | raverbashing an hour ago | parent | prev | next [-] | | I think people are overthinking this, though the discussion about reliability is merited For every HN technically inclined people you have dozens of other customers who will give any email (thinking it's just writing "John.smith@bt.co.uk" or something) - or worse- and they have to find a way of identifying those customers | |
| ▲ | antonvs 40 minutes ago | parent | prev [-] | | > Is it that HSBC has 0 competent people who could have ... In the chain of command for a feature like this, that's quite possible. > Or is it that everybody who mentioned this was overruled by middle/upper management because they know better? Or just learned helplessness, they don't bother because they know it's not worth trying. |
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| ▲ | esskay 34 minutes ago | parent | prev | next [-] |
| All sounds about right for HSBC. They've got some of the worst banking tech in existence. How the heck anyone puts up with their crap is beyond me, I moved away a decade ago but still have a close family member with them and they're forever having issues (genuinely not user error) with the crippled online banking app they've got that looks like something from the early days of app development. |
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| ▲ | Dwedit an hour ago | parent | prev | next [-] |
| Gmail automatically downloads images ahead of time, so the tracking pixels will have been fetched by Gmail themselves regardless of when the user opens the email. |
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| ▲ | ChicagoBoy11 an hour ago | parent [-] | | I had a demo for some high-school students for an ethics and tech class that successfully demonstrated these with a GMail account, so when this started happening I got very upset lol. |
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| ▲ | loloquwowndueo 2 hours ago | parent | prev | next [-] |
| Want them to really listen to you? Cancel your accounts - move to another bank. This works well as a bluff, but of course you need to be ready to follow through in case they call the bluff. Which if you are, you may as well switch banks for real anyway. |
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| ▲ | direwolf20 an hour ago | parent | next [-] | | Cancelling costs them no money — banks these days don't make money on customer accounts. | | |
| ▲ | tadfisher an hour ago | parent | next [-] | | On the face of it, this is not true; net interest margin is still the main profit driver, followed by fees. But besides that, retail deposit customers are a conversion funnel for more lucrative financial products such as credit cards and personal loans. And besides that, banks need capital reserves in the form of customer deposits; if too much money flows out then they will have to either acquire customers or pause their real moneymaking activity (loans). Your account doesn't make them significant money. Retail banking in general makes boatloads of money, and deposits are central to this now that we're out of zero-interest-rate-land. | | |
| ▲ | bigbadfeline 21 minutes ago | parent | next [-] | | > Retail banking in general makes boatloads of money, and deposits are central to this now that we're out of zero-interest-rate-land. Talking about banking in general is generally a huge mistake. While deposits may be central, retail deposits are irrelevant for the banks that do > 70% of banking. > now that we're out of zero-interest-rate-land. Doesn't matter to them. | | |
| ▲ | loloquwowndueo 6 minutes ago | parent [-] | | > retail deposits are irrelevant for the banks that do > 70% of banking. We’re talking about an individual sticking it to the bank he has an account with by cancelling it. Retail sounds entirely relevant here. |
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| ▲ | nerdsniper an hour ago | parent | prev [-] | | > And besides that, banks need capital reserves in the form of customer deposits USA's fractional reserve requirement is now 0%. UK has also gotten rid of their reserve requirement as well. In the UK, the limit to what the bank can loan out is more determined by the market cap of the bank (committed shareholder value). Cash is only strictly needed to cover ... customer deposits. So in the UK, if a bank gets rid of customer deposits entirely, then it kind of doesn't need any cash anymore. It can just lend money out of thin air based on its total net worth (market cap). |
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| ▲ | malfist 43 minutes ago | parent | prev | next [-] | | If banks didn't make money on customer accounts they wouldn't offer customer accounts. | |
| ▲ | pfortuny 35 minutes ago | parent | prev | next [-] | | As long as they keep other people’s money, they make money on it. | | |
| ▲ | bayesnet 29 minutes ago | parent [-] | | This is arguable for HSBC (in the UK at least). Ringfencing laws post 2008 have made customer deposits in the UK very difficult to invest profitably, to the point where (at least last time I cared about this) they were charging commercial customers to have UK domiciled accounts. | | |
| ▲ | yjftsjthsd-h 23 minutes ago | parent [-] | | > Ringfencing laws post 2008 have made customer deposits in the UK very difficult to invest profitably, to the point where (at least last time I cared about this) they were charging commercial customers to have UK domiciled accounts. I don't follow; why would regulations on consumer accounts change the price of commercial customer accounts? |
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| ▲ | loloquwowndueo an hour ago | parent | prev [-] | | Maybe. But I still have to find a bank where you say you’re leaving and they say “oh ok, here’s your account balance, there’s the door”. The main thing is that they do care about retention. |
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| ▲ | theyneverlear 30 minutes ago | parent | prev [-] | | They (and many other industries) won't, you are delusional. |
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| ▲ | bmenrigh an hour ago | parent | prev | next [-] |
| Charles Schwab has something very similar. They keep unenrolling me from their paperless thing and then send me a letter every month telling me they unenrolled me because emails aren't being delivered. But I get their emails just fine. It's their tracking that (intentionally) isn't working. |
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| ▲ | TheCraiggers 30 minutes ago | parent [-] | | Capital One is the same. I eventually stopped caring; I know these paper mailings are costing them money. Maybe they'll get the point someday. |
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| ▲ | almosthere a few seconds ago | parent | prev | next [-] |
| This isn't going to get to someone at HSBC. Nothing will change. They hired another company to do it.
The project has been over for 4 years.
The man who determined the requirements no longer works at HSBC or the other company.
The coder doesn't even know HSBC is using his code.
It's absolutely useless - humans going into the age of software. It's a death spiral of I don't know's for a hundred miles. |
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| ▲ | zzyzxd an hour ago | parent | prev | next [-] |
| Capital One does this to me as well, but at least they make it clear so I actually understanding what they mean ("You haven't opened an email from us lately..."). It's fine, Capital One. I did open your emails, I just didn't load your shady tracking pixels. |
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| ▲ | burnte an hour ago | parent [-] | | Ditto, I get them all the time and just ignore them. I actually have a gmail rule that if it sees that phrase it marks it read and deletes it. Them not knowing if I read an email is not a problem I need to solve. |
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| ▲ | crazygringo 30 minutes ago | parent | prev | next [-] |
| I don't see anything wrong with attempting this. A significant number of people mistype/change their e-mail address, and security messages from banks can be important, so anything that catches no-longer-working e-mail addresses is better for everyone involved. And I assume a very small proportion of people try to disable tracking pixels. But this post is entirely speculation. The author has no evidence they're basing it on tracking pixels. They're literally just guessing. And I'm dubious that tracking pixels would be a reliable enough signal to be worth it. Doesn't Gmail download images in advance anyways? Plus, I regularly filter predictable emails or just archive them directly from my inbox based on the subject line without opening. I'd more likely assume they have an e-mail bounce detector that just has a bug in it. |
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| ▲ | stronglikedan 9 minutes ago | parent | next [-] | | > I don't see anything wrong with attempting this. I do, when the result of that attempt is to tell people to change their email addresses unnecessarily. Most people will fall for that. | | |
| ▲ | crazygringo 4 minutes ago | parent [-] | | I think most people will just think it's weird and ignore it? The wording could obviously be better, it should use softer language with a note that if you're sure the email is correct then you can ignore the letter. But the general concept of trying to detect unused email addresses seems valid. |
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| ▲ | jmholla 20 minutes ago | parent | prev [-] | | > But this post is entirely speculation. The author has no evidence they're basing it on tracking pixels. They're literally just guessing. They literally admit to this and go on to provide the evidence for their guess: > I think I can place a solid guess about what went wrong here. | | |
| ▲ | crazygringo 11 minutes ago | parent [-] | | I know they admit it. I'm just pointing it out, since many of the comments here seem to be taking it as truth. And they don't provide any evidence. Not a single piece. Merely claiming it's a "solid guess" doesn't make it solid. It's based on nothing. Tracking pixels are extremely common, so there's nothing to suggest it's tied specifically to this. |
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| ▲ | hrimfaxi 5 minutes ago | parent | prev | next [-] |
| The same exact thing would happen to me with interactive brokers. |
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| ▲ | kkfx a minute ago | parent | prev | next [-] |
| Banks have some of the worst IT in the world. Being purely manager-led, with developers completely subservient to the bean counters, the results are terrible. This is one of the reasons why in 2019 they wrote about their own demise https://web.archive.org/web/20240213185758/https://www.cimb.... against fintech (which is only slightly less archaic) and how cryptos, I don't know which ones, but maybe some yet to be born, will eventually displace them because regardless of their dominant position, the level of poor service and archaic systems is not humanly/socially sustainable for much longer. Their leadership is mentally incapable of changing. Unfortunately, I fear that most of the population isn't either. |
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| ▲ | blackhaz an hour ago | parent | prev | next [-] |
| Can somebody please tell Barclays their 3DS widget is never redirecting back to the seller when transaction has been approved on user's device? In fact, the sheer amount of systems not working correctly in Britain is astonishing. Feels like the whole country is falling apart. |
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| ▲ | sd9 an hour ago | parent [-] | | Counterpoint: gov.uk is widely regarded as one of the best government websites in the world |
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| ▲ | barbazoo an hour ago | parent | prev | next [-] |
| > But it gets worse. Because HSBC are using http://, rather than https:// URLs for their tracking pixels, they’re also saying that every time you read an email from them, they’d like everybody on the same network as you to be able to know that you did so, too. If you’re at my house, on my WiFi, and you open an email from HSBC, not only might HSBC know about it, but I might know about it too. > But we’re in the Darkest Timeline. Tracking pixels have become so endemic that HSBC have clearly come to the opinion that if they can’t track when I open their emails, I must not be receiving their emails. So they wrote me a letter to tell me that my emails have been “returned undelivered” (which seems to be an outright lie). |
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| ▲ | reaperducer an hour ago | parent [-] | | Tracking pixels have become so endemic that HSBC have clearly come to the opinion that if they can’t track when I open their emails, I must not be receiving their emails. So they wrote me a letter to tell me that my emails have been “returned undelivered” Tracking pixels are the key of thing that my computer filters out. So I wonder if this explains why I get paper statements for my Apple Card. Each time one comes in the mail, it has a letter with it stating that Goldman Sachs was unable to contact me at the email address on file, which they show as my Apple ID email address. Which works fine for everyone else in the world, including Apple. | | |
| ▲ | barbazoo 22 minutes ago | parent [-] | | The German bank I have an account with solves this by making the statements available online and considering them delivered if the statements were downloaded. I’m assuming this proper way is too expensive for some banks. |
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| ▲ | bennyp101 an hour ago | parent | prev | next [-] |
| I noticed this a couple of years ago too, I just ignored the letters, continued to receive the emails, and they stopped sending me letters about it /shrug |
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| ▲ | Analemma_ an hour ago | parent | prev | next [-] |
| > I have a credit card with HSBC: you know, the bank with virtue-signalling multiculturalism in their ads. Was this opening sentence necessary? It is not germane at all to the rest of the article. Ironically, it is itself virtue-signalling (for some definition of virtue), just to a different audience. |
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| ▲ | CodesInChaos 14 minutes ago | parent | next [-] | | It doesn't even link to an ad, it links to a weird parody attempt of the ad on the same site as the article. | |
| ▲ | throwaway902984 an hour ago | parent | prev | next [-] | | My first instinct was to close the article as I didn't want to read a Republican virtue signaling to his audience. I wonder if they were trying to sound Republican? The article itself is a nice, well interesting, dive into the topic; kinda unfortunate. | | |
| ▲ | 1over137 an hour ago | parent | next [-] | | "Republican"?! US defaultism strikes again. He's in the UK, and he states his pronouns here https://danq.me/about/ so doesn't sound very "Republican" to me. | | | |
| ▲ | apublicfrog an hour ago | parent | prev | next [-] | | Funny, the tone sounded UK/Australian to me. Just be aware, beyond a surface level awareness there are very few people who know what a specific ideology in your country sounds like, or care enough to learn. | |
| ▲ | dwedge an hour ago | parent | prev | next [-] | | > I didn't want to read a Republican virtue signaling to his audience. I wonder if they were trying to sound Republican? It would be very surprising behaviour for a British guy living in the UK | |
| ▲ | 01HNNWZ0MV43FF an hour ago | parent | prev [-] | | I've seen this sentiment on the left. I think the author just phrased it a little oddly. Sometimes called "pink capitalism" or "rainbow capitalism", where a company will show the rainbow pride flag for Pride Month, but not put any more substantial effort towards diversity, plurality, LGBTQ rights, etc. I expect nothing from companies, and it's nice to see that virtue signal. If they're signalling, it means they think we haven't been exterminated yet. But I don't expect good works from anything for-profit. It's just business. Edit: The author using the phrase "surveillance capitalism" is generally a left wing thing. I don't hear right-wingers rallying against capitalism (let's not even get into the weeds of defining "capitalism" the word) even when they happen to oppose surveillance |
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| ▲ | enlightens an hour ago | parent | prev | next [-] | | I took the use of "virtue signalling" to be an intentional jab at HSBC given everything https://en.wikipedia.org/wiki/HSBC#Controversies | | |
| ▲ | Analemma_ 41 minutes ago | parent [-] | | If that's true it only makes the opening sentence worse: of all the things you could have accused HSBC of in your opener (laundering money for dictators and violent drug cartels, manipulating markets to fleece people out of billions, and on and on), you decided their most noteworthy sin was multicultural ads? |
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| ▲ | rjsw 28 minutes ago | parent | prev | next [-] | | People used to bank with Barclays to register their support for Apartheid in South Africa. | |
| ▲ | arduanika 28 minutes ago | parent | prev | next [-] | | Not only a distraction, but also fails to distinguish HSBC from pretty much any other bank, so the "the" comes off as crankish and aggrieved. | |
| ▲ | swiftcoder 18 minutes ago | parent | prev | next [-] | | > just to a different audience And apparently not targeted all that well, since half the comments here think it is a right-wing (anti-multiculturalism) sentiment, and the other half a left-wing (anti-corporate-reputation-laundering) sentiment. | |
| ▲ | bstsb an hour ago | parent | prev [-] | | precisely this. it sort of put me off an otherwise excellent article |
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| ▲ | sparrish 2 hours ago | parent | prev | next [-] |
| I've heard CapitalOne does the same thing... send paper mail saying their emails aren't being read. |
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| ▲ | kylehotchkiss 20 minutes ago | parent | prev | next [-] |
| HSBC, truly the pinnacle of Great Banks. Surprised they haven't earned your breakup yet. |
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| ▲ | renewiltord 2 hours ago | parent | prev | next [-] |
| Tracking pixels don’t even work with Gmail because Google fetches them out of band. It doesn’t reveal open rates. |
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| ▲ | gweinberg an hour ago | parent | next [-] | | True, but HSBC thinks you read the email, because somebody fetched the tracking pixel, right? The irony is that HSBC and others who use this kind of thing probably aren't in the least interested in when or how many times you open the email. Whoever came up with this idea (probably) really did think it was (just) a pretty good way of figuring out if they have your correct email. | |
| ▲ | jldugger 20 minutes ago | parent | prev | next [-] | | > Gmail because Google fetches them out of band. It doesn’t reveal open rates. "Our open rates have skyrocketed! send more emails!" | |
| ▲ | wrs an hour ago | parent | prev | next [-] | | They do work for the inferred purpose here though, assuming Gmail only downloads them when the email is successfully delivered to the mailbox (and thus the address is valid). | |
| ▲ | CGMthrowaway an hour ago | parent | prev | next [-] | | Same with Apple Mail | |
| ▲ | Almondsetat an hour ago | parent | prev | next [-] | | I mean, they still work in some way. If you use tracking pixels to see if an email was read, I agree with you that this break the functionality. But if you just want to see if the email exists, then the fact that google fetches them (and triggers the parametric URL) still tells you something | | |
| ▲ | bummy_commenter an hour ago | parent [-] | | It would be better if google also fetched tracking pixels in emails sent to addresses that do not exist. |
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| ▲ | philipwhiuk an hour ago | parent | prev [-] | | What do you mean by 'fetches them out of band'? | | |
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| ▲ | MagicMoonlight an hour ago | parent | prev | next [-] |
| Who still banks with HSBC when we have Monzo and Starling? |
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| ▲ | koakuma-chan 29 minutes ago | parent | prev | next [-] |
| > I can understand your frustration, but if the bank has sent the letter, you will have to update the e-mail address. That's why I fucking hate society. This is everywhere. |
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| ▲ | SilverElfin an hour ago | parent | prev | next [-] |
| Some may treat these as an inconvenience or annoyance, but I think it’s a sign of rot. And it may run a lot deeper. Unfortunately I feel like most financial institutions have terrible websites and practices in general, so I don’t know if switching will let you avoid problems. |
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| ▲ | barbazoo an hour ago | parent | next [-] | | The rot goes deeper because for every story like this there were hundreds of people involved in making it happen. Some by choice, some less so but rot nontheless. | |
| ▲ | CGMthrowaway an hour ago | parent | prev [-] | | Email is not a core competency of banks. They are actually pretty good at snail mail though. | | |
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| ▲ | jmclnx an hour ago | parent | prev [-] |
| >used to surreptitiously track when somebody reads an email Not in my email client, mutt. I use Thunderbird once in a great while. For some reason I thought there was an option to stop that and I enabled it. Will need to check the next time I fire up Thunderbird. |