Chase account

MisterMotivated

Rudyson said:

Even if I had a passport or driving licence, i wouldn't have sent it, I'm not going to take even a very small chance of ID documents being stolen if they won't try to verify me without them.

You don't need to send your ID documents anywhere, you just need to take some photos of them

Rudyson

MisterMotivated said:

Rudyson said:

Even if I had a passport or driving licence, i wouldn't have sent it, I'm not going to take even a very small chance of ID documents being stolen if they won't try to verify me without them.

You don't need to send your ID documents anywhere, you just need to take some photos of them

I know, but they would still have these on record unnecessarily.

k_man

Rudyson said:

MisterMotivated said:

Rudyson said:

Even if I had a passport or driving licence, i wouldn't have sent it, I'm not going to take even a very small chance of ID documents being stolen if they won't try to verify me without them.

You don't need to send your ID documents anywhere, you just need to take some photos of them

I know, but they would still have these on record unnecessarily.

Not sure I would trust my money and other personal details to a company that I don't trust to keep a copy if my ID safe.

MichaelAP

Matt1510 said:

I do indeed sympathise with your situation, but unfortunately you're going over old ground. Chase has set up their identification process from what's ideal for themselves, at the end of the day rules are rules and unfortunately one has to move on.
It happens to everyone, everyone will encounter situations in their lifetimes where they're ineligible for goods/services/memberships etc, not necessarily in the financial sector.

And this is the problem…. Chase have set up a system that is inflexible. Why should I have to accept rules are rules and I must move on when there are equally other means of identification available?
Chase should look at helping not hindering.
Anyway, after a lengthy telephone call with Chase which got me nowhere I went straight to Marcus Banking and registered for an online account via App (same as Chase). All I needed to do was to give my NatWest Sort Code & Account. Marcus then did the checks with NatWest to confirm who I was and that was it……. Registered and now saving with Marcus.
Such a simple process that Chase refuse to even look at.

masonic

Savings accounts generally have a lower bar for identification because they can't be used to transfer money to any other account and so are less valuable for fraud and money laundering.

When opening a first current account with a bank, it is normal practice to retain photographic ID, whether this is photocopied in branch, copied, certified and posted by the customer, or uploaded via website or app. For a number of years I've not been able to open my first ever current account with any bank without doing this. It is a necessary part of complying with regulatory obligations.

Chase requires that all customers open a current account, so it is natural that they carry out checks consistent with that. There are numerous providers who will let you hold just a savings account, which will not have the requirement to provide photo ID.

Stubod

...you may find your phone is not compatible anyway???

phillw

MichaelAP said:
Why should I have to accept rules are rules and I must move on when there are equally other means of identification available?

You don't have to accept any rules, as you say you can just not open an account with them.

Chase keeps their costs down and passes the savings on to people who are willing to accept them.

I'm sure you'll be happy with Marcus.

Matt1510

MichaelAP said:

Matt1510 said:

I do indeed sympathise with your situation, but unfortunately you're going over old ground. Chase has set up their identification process from what's ideal for themselves, at the end of the day rules are rules and unfortunately one has to move on.
It happens to everyone, everyone will encounter situations in their lifetimes where they're ineligible for goods/services/memberships etc, not necessarily in the financial sector.

And this is the problem…. Chase have set up a system that is inflexible. Why should I have to accept rules are rules and I must move on when there are equally other means of identification available?
Chase should look at helping not hindering.
Anyway, after a lengthy telephone call with Chase which got me nowhere I went straight to Marcus Banking and registered for an online account via App (same as Chase). All I needed to do was to give my NatWest Sort Code & Account. Marcus then did the checks with NatWest to confirm who I was and that was it……. Registered and now saving with Marcus.
Such a simple process that Chase refuse to even look at.

It's your problem if you let it become a problem, Chase don't seem to have any issues about it.

Why should anyone accept rules? Because they are precisely that, rules, and if you want to join then abide by their rules.

At the end of the day, your lengthy telephone call got you nowhere and more than likely you got yourself wound up, and you then went straight to Marcus. So you moved on, exactly what I proposed you to do yesterday.

BTW, Marcus accept transactions via a nominated account and are happy to accept verification of the nominated account for ID purposes.
Chase are more flexible in their methods of banking, direct payments etc. Therefore they use a different method of verification.

MichaelAP

phillw said:

MichaelAP said:
Why should I have to accept rules are rules and I must move on when there are equally other means of identification available?

You don't have to accept any rules, as you say you can just not open an account with them.

Chase keeps their costs down and passes the savings on to people who are willing to accept them.

I'm sure you'll be happy with Marcus.

I agree entirely with you, I do not have to accept any rules from Chase if not happy…. I was merely replying back to Matt1510 who told me to accept the rules from Chase.
My question though remains; why must Chase adopt a limited photo identity process when there are other methods using photo identity? 
It is not so much a case of disrespect of the rules but a simple question in why are they limited when those with a disability cannot meet Chase requirements.

Sensory

MichaelAP said:

phillw said:

MichaelAP said:
Why should I have to accept rules are rules and I must move on when there are equally other means of identification available?

You don't have to accept any rules, as you say you can just not open an account with them.

Chase keeps their costs down and passes the savings on to people who are willing to accept them.

I'm sure you'll be happy with Marcus.

I agree entirely with you, I do not have to accept any rules from Chase if not happy…. I was merely replying back to Matt1510 who told me to accept the rules from Chase.
My question though remains; why must Chase adopt a limited photo identity process when there are other methods using photo identity? 
It is not so much a case of disrespect of the rules but a simple question in why are they limited when those with a disability cannot meet Chase requirements.

It's not your disability that's preventing you from obtaining photo ID; it's simply your choice to not obtain them.

I can't drive and haven't travelled internationally for over a decade, yet I still keep my provisional driving licence and passport valid. I obtained both purely for the purposes of identification, because the UK lacks national ID cards.