ISSUE 048 · SATURDAY, OCT 16, 2021
Home/Money Desk/Vanguard

Vanguard

On the record

Index funds and brokerage

Money DeskValley Forge, USvanguard.com
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The record

1,012 dispatches on file

Liam ShawOn the record
Filed Aug 29, 2021
5 / 5

Approved same day

I called about a weird $8.50 fee and the rep just reversed it, no fight, no manager escalation nothing. Switched from my old bank in July and I'm honestly mad I waited this long lol.

Fergus ThomasOn the record
Filed Aug 28, 2021
4 / 5

Keeper.

Rates on the HYSA bumped to 4.3% this month and nobody tried to hide it in fine print.

Fraser BuchananOn the record
Filed Aug 27, 2021
4 / 5

Insurance paid out quick

App is clean, no popups trying to sell me a credit card every time I check my balance. signed up on a Wednesday and the welcome bonus hit by Friday, no jumping through hoops.

Isla O'SullivanOn the record
Filed Aug 25, 2021
5 / 5

Legit saved me

the app flagged a charge I didn't make at a gas station in Ohio and had a new card at my door Tuesday.

Freya HallOn the record
Filed Aug 24, 2021
5 / 5

Best rate I found

They refunded a double charge from the taxi without me even having to upload a receipt.

Elizabeth LlewellynOn the record
Filed Aug 22, 2021
5 / 5

Mortgage closed early

The branch on 5th was actually open at 6pm and the manager stayed late to notarize my docs. The chat agent definately knew what she was doing, fixed my joint account access in under 10 min.

Scarlett KennedyOn the record
Filed Aug 21, 2021
5 / 5

Big win on the APR

Transferred $4,200 to my mom on a Sunday night and it landed before she woke up, no sketchy hold.

Eilidh Cooper
Filed Aug 19, 2021
4 / 5

Worth switching for

Mobile check deposit worked on the first try with my cracked phone camera, miracle. Great. No minimum balance, no monthly fee, I pay zero to use my own money which is wild.

Aisling EllisOn the record
Filed Aug 18, 2021
4 / 5

Fraud caught in minutes

Travel insurance paid out $1,840 for a cancelled flight within a week, I almost fell over. Closing on the house happened 9 days early because the loan officer actually answered emails.

Carys Nolan
Filed Aug 17, 2021
5 / 5

Refund hit at 7am

The woman at the counter, I think her name was Lara, stayed past close to help me with a stop payment.

Hong ChangOn the record
Filed Aug 15, 2021
5 / 5

Finally a card that works

deposit cleared same day instead of the 3-5 business days nonsense I'm used to.

Yifan LeiOn the record
Filed Aug 14, 2021
5 / 5

Shocked at how fast

Had my identity stolen month-end and the fraud team called me, not the other way around. Zelle to my brother in Dallas was instant and free, meanwhile my old bank charged $3 for the privilege. Switched from my old bank in July and I'm honestly mad I waited this long lol.

Lakshmi IyerOn the record
Filed Aug 12, 2021
5 / 5

10/10 would bank again

Credit limit increase came through automatically after 6 months of on-time payments, no application.

Diya PuriOn the record
Filed Aug 11, 2021
1 / 5

They don't want your business

The chatbot is useless and the human it hands you off to has to ask every question again from zero.

Prasenjit BhatiaOn the record
Filed Aug 9, 2021
4 / 5

No fees, no fuss

Zelle to my brother in Dallas was instant and free, meanwhile my old bank charged $3 for the privilege. Had my identity stolen month-end and the fraud team called me, not the other way around. I called about a weird $8.50 fee and the rep just reversed it, no fight, no manager escalation nothing.

Yash ChatterjeeOn the record
Filed Aug 8, 2021
5 / 5

Aisha at the branch is a gem

They waived the wire transfer fee because I'm a long-time customer, didn't even have to ask twice.

Aditya BhatOn the record
Filed Aug 6, 2021
5 / 5

Painless, actually

APR came in at 6.1 which my credit union couldn't touch and the paperwork was done by Thursday.

Mahesh RaoOn the record
Filed Aug 5, 2021
4 / 5

Call center was great

Closing on the house happened 9 days early because the loan officer actually answered emails. Travel insurance paid out $1,840 for a cancelled flight within a week, I almost fell over.

Satoshi YamashitaOn the record
Filed Aug 4, 2021
5 / 5

Approved same day

Great.

Michiko Inoue
Filed Aug 2, 2021
5 / 5

Keeper.

Was expecting the usual runaround but the woman I spoke to, Marisol, actually knew her stuff.

Sneha Bhasin
Filed Aug 1, 2021
5 / 5

Insurance paid out quick

The chat agent definately knew what she was doing, fixed my joint account access in under 10 min. The branch on 5th was actually open at 6pm and the manager stayed late to notarize my docs.

Isha SrinivasanOn the record
Filed Jul 30, 2021
5 / 5

Legit saved me

No minimum balance, no monthly fee, I pay zero to use my own money which is wild.

Komal SrivastavaOn the record
Filed Jul 29, 2021
4 / 5

Best rate I found

Got approved for the auto loan in like 12 minutes at the loans desk, the agent was shook. the app flagged a charge I didn't make at a gas station in Ohio and had a new card at my door Tuesday. Travel insurance paid out $1,840 for a cancelled flight within a week, I almost fell over.

Nandita SenguptaOn the record
Filed Jul 27, 2021
5 / 5

Mortgage closed early

signed up on a Wednesday and the welcome bonus hit by Friday, no jumping through hoops. App is clean, no popups trying to sell me a credit card every time I check my balance.

Rhea MehtaOn the record
Filed Jul 26, 2021
5 / 5

Big win on the APR

Dispute on a $120 subscription I never signed up for was resolved in 48 hours, money back. Rates on the HYSA bumped to 4.3% this month and nobody tried to hide it in fine print.

Manoj JoshiOn the record
Filed Jul 24, 2021
5 / 5

Worth switching for

Switched from my old bank in July and I'm honestly mad I waited this long lol. I called about a weird $8.50 fee and the rep just reversed it, no fight, no manager escalation nothing. Had my identity stolen month-end and the fraud team called me, not the other way around.

Siddharth PathakOn the record
Filed Jul 23, 2021
4 / 5

Fraud caught in minutes

Lost my debit card on vacation and had a replacement at the hotel the next morning. Got pre-approved for the mortgage in a day and the rate lock held even when markets moved.

Shubham AgrawalOn the record
Filed Jul 22, 2021
5 / 5

Refund hit at 7am

Got pre-approved for the mortgage in a day and the rate lock held even when markets moved. Lost my debit card on vacation and had a replacement at the hotel the next morning.

Xin Ximen
Filed Jul 20, 2021
5 / 5

Finally a card that works

I called about a weird $8.50 fee and the rep just reversed it, no fight, no manager escalation nothing. Switched from my old bank in July and I'm honestly mad I waited this long lol.

Jiaqi PangOn the record
Filed Jul 19, 2021
4 / 5

Shocked at how fast

Rates on the HYSA bumped to 4.3% this month and nobody tried to hide it in fine print. Dispute on a $120 subscription I never signed up for was resolved in 48 hours, money back.

Tara VenkatesanOn the record
Filed Jul 17, 2021
5 / 5

10/10 would bank again

App is clean, no popups trying to sell me a credit card every time I check my balance.

Tapan SuriOn the record
Filed Jul 16, 2021
4 / 5

Decent app, better humans

the app flagged a charge I didn't make at a gas station in Ohio and had a new card at my door Tuesday.

Rani BajajOn the record
Filed Jul 14, 2021
4 / 5

No fees, no fuss

They refunded a double charge from the taxi without me even having to upload a receipt.

Ravi Das
Filed Jul 13, 2021
5 / 5

Aisha at the branch is a gem

The branch on 5th was actually open at 6pm and the manager stayed late to notarize my docs. The chat agent definately knew what she was doing, fixed my joint account access in under 10 min.

Dinesh MitraOn the record
Filed Jul 11, 2021
5 / 5

Painless, actually

Transferred $4,200 to my mom on a Sunday night and it landed before she woke up, no sketchy hold. Was expecting the usual runaround but the woman I spoke to, Marisol, actually knew her stuff. The chat agent definately knew what she was doing, fixed my joint account access in under 10 min.

Tarun PillaiOn the record
Filed Jul 10, 2021
5 / 5

Call center was great

Mobile check deposit worked on the first try with my cracked phone camera, miracle.

Advait Bhardwaj
Filed Jul 9, 2021
4 / 5

Approved same day

Travel insurance paid out $1,840 for a cancelled flight within a week, I almost fell over.

Shruti Arora
Filed Jul 7, 2021
5 / 5

Keeper.

The woman at the counter, I think her name was Lara, stayed past close to help me with a stop payment. APR came in at 6.1 which my credit union couldn't touch and the paperwork was done by Thursday. signed up on a Wednesday and the welcome bonus hit by Friday, no jumping through hoops.

Kiara RamanOn the record
Filed Jul 6, 2021
2 / 5

Never again.

Promised 1.9% APY in the mailer, actual rate was 0.42%, read the fine print kids.

Arindam ShettyOn the record
Filed Jul 4, 2021
5 / 5

Legit saved me

Had my identity stolen month-end and the fraud team called me, not the other way around. Zelle to my brother in Dallas was instant and free, meanwhile my old bank charged $3 for the privilege. Switched from my old bank in July and I'm honestly mad I waited this long lol.

Pradeep Shukla
Filed Jul 3, 2021
3 / 5

Not thrilled, not mad

App is okay, website is better, thier chat bot is useless and loops you forever before letting you talk to a human. Rewards program is okay if you redeem for statement credit but travel redemptions are a scam, like 0.6 cents per point scam. Loan rate was okay, not amazing, and the loan officer named Marcus was helpful but the underwriting took 11 days when they promised 5.

Mahi YadavOn the record
Filed Jul 1, 2021
4 / 5

Mortgage closed early

My overdraft got waived twice this year because I asked nicely, try that at a big bank haha.

Min Lu
Filed Jun 30, 2021
1 / 5

Promised rate was a lie

The chatbot is useless and the human it hands you off to has to ask every question again from zero.

Varun MahajanOn the record
Filed Jun 28, 2021
5 / 5

Worth switching for

They waived the wire transfer fee because I'm a long-time customer, didn't even have to ask twice.

Vihaan GoswamiOn the record
Filed Jun 27, 2021
5 / 5

Fraud caught in minutes

APR came in at 6.1 which my credit union couldn't touch and the paperwork was done by Thursday.

Kavya SaxenaOn the record
Filed Jun 26, 2021
5 / 5

Refund hit at 7am

Closing on the house happened 9 days early because the loan officer actually answered emails.

Pallavi PalOn the record
Filed Jun 24, 2021
5 / 5

Finally a card that works

Great. Mobile check deposit worked on the first try with my cracked phone camera, miracle. They refunded a double charge from the taxi without me even having to upload a receipt.

Aarushi SinghOn the record
Filed Jun 23, 2021
5 / 5

Shocked at how fast

Was expecting the usual runaround but the woman I spoke to, Marisol, actually knew her stuff.

Shi Sima
Filed Jun 21, 2021
5 / 5

10/10 would bank again

The chat agent definately knew what she was doing, fixed my joint account access in under 10 min. The branch on 5th was actually open at 6pm and the manager stayed late to notarize my docs.

Ai QiaoOn the record
Filed Jun 20, 2021
4 / 5

Decent app, better humans

No minimum balance, no monthly fee, I pay zero to use my own money which is wild.