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Small-Scale Question Sunday for February 9, 2025

Do you have a dumb question that you're kind of embarrassed to ask in the main thread? Is there something you're just not sure about?

This is your opportunity to ask questions. No question too simple or too silly.

Culture war topics are accepted, and proposals for a better intro post are appreciated.

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“Bull case”? Do you mean the case for why-it-would-be-a-good-thing for the market, or just generally a good thing?

I had an issue with my (now former) HSA provider, National Benefit Services, debiting my account weeks before the payment (never) arrived; they refused to send me any documentation such as an image of the check or the name of the party that actually did cash it, if any; when I eventually filed a case with the CFPB they closed it with this weird, vague-ass message:

We reviewed your complaint and weren't able to forward it to the company for a response either because the company is not on our complaint system, or because we do not currently handle complaints about this product or issue.

like, “either we totally can't help you, or you misfiled your complaint (we had many near matches to that account category, hope you picked the right one!), or that company isn't on a freaking WHITELIST of companies we will consider chastising” is just so damn useless…