I've not compared Quicken online customer service. However, in terms of straightening our your finances, mvelopes can work extremely well. The philosophy of the envelope method is why it works great. Mvelopes just automates that concept. You can know if a budget area (say dining out) has been exhausted before you decide to got to the restaurant, not after you see budget reports from last month etc. To make a good decision google the envelope method of budgeting and read up on its strengths and weaknesses. If you don't like the method, then go with the industry leaders (quicken, etc.) for the power of their tools etc. if you like the method definitely try mvelopes online.

bump

They don't bother to read what they're signing up for, they just see the word "FREE" and shut off their brain, then whine and cry when they have to pay.

Why would you sign up for 2 years before you even try it out?

Some people just want to get something for nothing.

Nick, please do us all a favor and shut down their account at the end of the 30-day trial. Make them confirm their continuation after the trial because this is really annoying. I come on here to get legitimate feedback and it's 95% idiotic.

I canceled my so-called free 30 day trial 15 days after enrolling. I was assured by the guy at the other end of the chat that my credit card would not be charged at the end of 30 days. He gave me a cancellation confirmation number and sent me a Cancellation Confirmation email. You guessed it, 30 days later my credit card was charged. Not finding anywhere on the Mvelopes website to enter a dispute I initiated a chat session to request a refund. After 30 minutes of gathering all my personal information, passwords, secret question, etc. he told me he couldn't help me and that I'd have to send an email to their dispute resolution department. No response from them yet.

I'm sorry so many people have had bad experiences. My husband and I have been using Mvelopes for about 4 years now and have had nothing but great experiences. We couldn't have gotten out of debt without it. It helped us get rid of $60,000 worth or credit card and car debt in two and a half years. We continue to use it and wouldn't want to handle our finances without it. We love it!

Hi, Went to the site got swept away with the pitch. Paid with my Visa to get in. I found it useless and not comparable to free Yodlee, even quicken online, or mint are better.

The old bait and no refund in the small print WEB trick.

You must chat online to cancel. I went online to cancel in ten minutes of the first day, guess what, no chatters were there.

Watch out for these guys. Many have posted hear telling us to read the small print etc. BOSH, if these cretins had anything to offer they would not need these tricks to get money. Even Wal-mart takes returns the same day.

Any ethical business will give a refund when asked.

Mvelopes is like paying to see the hairy lady at the circus.

You pay then you can try it.

Dope dealers have the same system to hook children.

If the owners had confidence that the product was truly good, then they would let you try it first, then you would die to buy it.

Mvelopes knows they have no value thus this system.

Why do you support them keeping $ from those who wish to leave.

Mvelopes Bait and Switch

Site says Click Here to START YOUR FREE TRIAL

There is no FREE trial. I gave my card, clicked though the mind-numbing legal mumbo to start a free trial. Saw the product was poorly designed, a useless interface, difficult to decihper.

Then thought I could cancel Whoaaa!! Fella, you OWE us for using our site READ the 2 POINT TYPE.

These people are DIRTY.

WARNING! WARNING! WARNING!

There is know free trial.

As hard to get rid of as Microsoft.

AND YOU WILL PAY.

There is know free trial. If you look at it you are deemed to have been a user.
Then you can ONLY Cancel VIA LIVE-CHAT.

VERY Bad.

MY worst internet experience yet.

Hi, Try Dealing with proud, ethical firms who would never charge a customer who is disatisfied. That is a better idea.

The user interface and connections to accounts is slow. The user interface is arcane.

The real effort was expended on JOB #1 , hooking the unsuspecting into a NOT FREE, Free Trial.

Please help me to understand why an honest firm has, or needs, a 19 Paragraph terms of service. After reading the positive posts, I wonder how some folks become so Mvelopoes Happy. Especially after having viewd and tried to use it. Is there another Mvelopes somewhere?

NO, you Dont get it. Americans find deception in trade repugnant. If a customer wants out, or in, a 19 point disclaimer is NOT appreciated nor needed. Shysters with fine print TRAPS run like the other kind of roaches here in the light.

In the USA the customer is right. Do you get it?

Go Sign up for Vista ultimate, this is what your lack of vigilance has wrought upon us.


IF YOU NEED TO CANCEL
Our goal is your financial success. We know that Mvelopes Personal is a key to that success. For that reason, we don't want to lose you as a customer. If you choose to cancel your membership you must contact a customer service representative via live chaton or before your trial period expiration date to avoid being charged. If you are charged after your expiration date, that charge is non-refundable, whether or not you choose to use the service. You can reach a customer service representative during our business hours (M-F from 8 am to 5 pm MT). Please note, due to security reasons, requests for cancellation can only be processed by chatting directly with a Customer Service Representative. As such, cancellation requests transmitted to us by any other means (e.g. email, voicemail, etc.) will not be honored. See Termination & Cancellation under the Terms and Conditions of the Mvelopes Service Agreement (https://my.mvelopes.com/support/user-agree.php).
Thank you again for your order. Please visit us again soon at www.mvelopes.com .
Sincerely,

WARNING! WARNING! Mvelopes cancels only by live Chat

Mvelopes sells hope to the hopeless. These types cannot sleep at night with extra money in their accounts.

The system is arcane, it takes more money they do not have, by the quarter or year.

And like the COO says, no refund after thirty days, read our disclaimer.

Give me a break.

Sir, You are in charge of a rip-off machine.

If your product is any good, get behind it. If mvelopes is good, make the user agreement equitable. Correct the concerns in the user complaints.

Respond with deeds. In america the customer is right, remember this. It is wrong to sell a BEST DEAL and keep the full year fee from a 31 day customer.

It is wrong to not ALLOW easy cancellation. You have easy sign up. Give what you require.

Customers DO NOT need your phone number. It cannot be used to cancel. The offer means nothing.

You should read the spoor. These complaints should touch you. Make it work right, eliminate the systemic flaws in your product and onerous terms, then greater success will come to you.

This company is a total farce. I signed up on Friday, but the application wouldn't load. I tried numerous times, downloaded the most recent version of Flash, restarted my computer, but no dice.

So I went to the live support last night to cancel. To summarize my chat, it went like this:

- the person claimed they couldn't cancel my account - they said I needed to log in to the application and follow the support link there. When I said I couldn't log in and that was the problem, she said she'd make an exception and cancel my account for me.
- she asked for my username, as well as other identifiers, which I provided.
- she claimed that the information I gave her didn't match what they had on file.
- So I then copied and pasted the exact same information from the confirmation email I received, including the personal confirmation number that I received from Mvelopes.
- she claimed that the username I provided - the same user name in the confirmation email I had - "didn't exist".
- When I indicated that it was the exact same username in the email I received, she claimed to "find it" but that it had been "canceled".
- I asked her how this was possible since I hadn't talked to ANYONE at the company since I had signed up two days before. I received no response.

Given that I was obviously now quite concerned with this "company" - and was even more concerned that they wouldn't cancel the correct account, I asked for an email address so that I could forward her the confirmation email. Naturally, the first address she gave me didn't work - it bounced back as "does not exist". She provided a second email address, which did work as I received one of those "we'll get back to you in one business day" emails. In the meantime, she said that she hadn't yet received the email.

- Given her ineptitude, and the fact that I had zero confidence that my account will be properly canceled, I asked if there was anyone I could actually speak to. She said she could set up a callback, so we scheduled one.

Half an hour later I get an email explaining that my account has been canceled, and since my account has been canceled, they have canceled the callback.

Unbelievable.

I'm a big fan of web services. I use them whenever/ wherever I can. And this is - BY FAR - the worst customer service I have ever seen. Not only that, they give you one option - and one option only - for contacting support. I'm supposed to trust a company that does its best to shield employees from its customers with my financial information?!?

What a waste of money, this is too hard to use.
You set up your budget envelopes and it is very easy the first time. The program sets it up for one month, but I get paid every 2 weeks. No matter if I reload the envelopes every 2 weeks or once a month, it tells me I have 1/2 the money available so redo the budget. EVERY TIME!!
The CC payments are very complicated. I know epinions wants you to explain every thing in great detail, but you have to use this to understand. I have been using Quicken forever so I know I am not stupid.
The customer service is excellent. Too bad, but I never tried to cancel, the 1st 30 days seems to go pretty well and you are all involved in getting all your accounts set up and all your passwords in. If I had spent more time using it, instead of setting every detail up, I would have realized how difficult the use is. They have an online chat helpline that is very useful, they will even repair your program remotely. The only problem is I need a Mvelopes for Dummies or someone sitting next to me to teach me how to do this program.
Overall, I have found the customer service excellent, but I hate this program.

You can change your plan during the 30-day trial. Once the trial is over, you will be charged for the full amount of the plan you selected. We have a no refund policy after you have been charged for a service plan.

Chat is the only way to cancel your free trial, however, it is open 24 hours a day, 5 days a week. You are required to login to contact support and cancel.

For the customer that was billed erroneously after cancellation, I apologize. We have just rolled out a new, state of the art billing management system that should prevent these errors in the future. I'm glad we were able to fix the problem, but sorry about the time it took you to get it fixed.

I assure this forum that we are working hard to serve our customers. The invitation is always open to contact me directly with feedback or concerns.

Nick Thomas
Co Founder and COO, Finicity. The makers of Mvelopes
(801)984-4210 (direct)

So I signed up for a 60 day free trial that was an offer that was e-mailed to me as a former customer. I figured I would give it another shot. I signed up and received a confirmation stating that I would be charged at the end of 60 days. In Red red print it said this on the bottom of my confirmation
"Your MasterCard ********* account will be charged 60 calendar days from today unless you call to speak to a Customer Service Representative to cancel!"

So after 30 days my account gets charged $129.60. I do the live chat thing and yes they admitted their mistake (thankfully I kept the e-mail confirmation because I needed it to prove to them I had a 60 day trial and not a 30 day trial). I was told the refund would be in my account in 4-6 weeks. What!!!! 4-6 weeks! what's the deal? They make a mistake and then I have to let them sit on 129.60 of MY money for a month and a half!! The CS agent told me that no matter who I talked to it would not change that is just their policy. I set up a call back to speak with someone but the CS agent didn't give me a good feeling that I would get my money back any sooner. If I had just changed my mind about the product and was requesting a refund I could understand that there would be no need to prioritize but this is their mistake and I could use that money this month.
By the sounds of it they don't refund anyone's money so why is it going to take them 4-6 weeks to refund mine?

Here is the chat session:

ME: Will someone be able to address how long it will take to get the money refunded?
Raymond: I have sent the refund request to our billing team. The normal time that a refund takes to get credited to the account is 4-6 weeks.
Your cancellation confirmation number is C80969MD. I will also send you an email that reflects the cancellation of the subscription renewal shortly. Please check your Spam/Bulk/Junk mail folder for the email if it is not present in your Inbox.
Raymond: Is there anything else I can help you with today?
ME: I am not pleased that due to an error on your part that I will need to do without over $100 of my money this is simply not right.
Raymond: I can understand your concern however, the timeframe provided is the normal one.
Raymond: You should see the money in your account within 4-6 weeks.
ME: What can I do to get this addressed. Is there someone I can speak to I am not happy and will never come back to this product if I cannot get this resolved. It's not fair!!
Raymond: I can setup a callback for you however, you will hear the same thing as I mentioned above on the timeframe of the refund.
ME: I am sure that there is some way that a check can be cut and sent to me immediately. This is not a matter of me not being happy with the product this is due to a mistake by you the company and I should not have to be punished by not receiving an immediate refund.
ME: Please have someone call me ASAP
Raymond: We understand your concern and that is why, I have emailed your issue to billing team. We do not have any intentions of taking your money. You will receive it back but the timeframe is 4-6 weeks and we cannot do anything about that as it is the standard refund policy.
ME: Please have someone call me.
Raymond: Hence, even if I setup a callback for you, it will not help the purpose as the timeframe cannot be changed.