Regardless if you accept or decline a ping my phone will not stop vibrating, sometimes for so long that I'm forced to restart my phone. OH and for every ping you get, you receive a text AND an email along with the expected chime and vibration that won't stop. I feel like my phone is going through a seizure every time I get pinged. Also the idea to not let people instant cash out in their first 14 days is so morbidly tone def that I was astonished when I found it was seriously a thing.