Chase's ridiculous ID policy

vicker

A warning to those thinking of using Chase:

I've been banking with them since 2022. I locked myself out of the app - for some reason fingerprint ID didn't open and the passcode didn't work. 

I divorced in 2021, and haven't yet changed my passport back to my maiden name, as I don't want to waste the 4 years left on it. I currently don't have the driving license I used to open the account.

Every other company has been more than happy to use my passport as ID alongside a combination of my decree absolute, my birth certificate and marriage certificate. 

Chase refused to accept my passport to let me back into the app. The only way they would do so is to change my name on the account back to my married name, and leave it like that for 4 years until I changed my passport to my maiden name. As I explained, I'm not that person any more and refuse to use my old name to please them.

Chase would not accept any other ID.

The only option left open to me was to close my account. Which has saddened me, as I like the benefits Chase offer and the ease of use. 

Here's the kicker - I'm never allowed to hold a Chase account again. Once you close an account with them, that's it. No more. 

I have told so many people how great this bank is, and I know of at least 5 people who've opened accounts with them on my recommendation. I'm now going to be warning people about their ridiculous policies. 

MattMattMattUK

vicker said:

A warning to those thinking of using Chase:

I've been banking with them since 2022. I locked myself out of the app - for some reason fingerprint ID didn't open and the passcode didn't work. 

I divorced in 2021, and haven't yet changed my passport back to my maiden name, as I don't want to waste the 4 years left on it. I currently don't have the driving license I used to open the account.

Every other company has been more than happy to use my passport as ID alongside a combination of my decree absolute, my birth certificate and marriage certificate. 

Chase refused to accept my passport to let me back into the app. The only way they would do so is to change my name on the account back to my married name, and leave it like that for 4 years until I changed my passport to my maiden name. As I explained, I'm not that person any more and refuse to use my old name to please them.

Chase would not accept any other ID.

The only option left open to me was to close my account. Which has saddened me, as I like the benefits Chase offer and the ease of use. 

Here's the kicker - I'm never allowed to hold a Chase account again. Once you close an account with them, that's it. No more. 

I have told so many people how great this bank is, and I know of at least 5 people who've opened accounts with them on my recommendation. I'm now going to be warning people about their ridiculous policies. 

That was not the only option, it was the option you chose. You should not be holding ID in a name which you are no longer legally named by. If your passport and account name do not match expect to have trouble opening a new bank account.

Ayr_Rage

I've just changed my phone and had to revalidate my ID, no big deal.

As @MattMattMattUK said, not having ID that matches the name by which you now prefer to be known is not the best idea.

Maybe rename the topic "MY ridiculous ID policy"

Chase, Kroo and maybe others are quite clear that once you leave you cannot return.

You chose to leave, nobody forced you out.

la531983

vicker said:

I'm now going to be warning people about their ridiculous policies. 

How many of your mates have ID in a different name to what they are named legally?

Chief_of_Staffy

You really need to update your passport. That said, their suggestion that you should use a name that is not your own, and that they know is not your own, and that would somehow prove your ID, just shows the staggering incompetence prevalent in most if not all institutions.

vicker

Chief_of_Staffy said:

You really need to update your passport. That said, their suggestion that you should use a name that is not your own, and that they know is not your own, and that would somehow prove your ID, just shows the staggering incompetence prevalent in most if not all institutions.

I hadn't seen it from that perspective. You're absolutely right. 

To the other posters - every single institution that has asked for id (DBS, Council, government, tax office, other banks, mortgage applications, house purchase/rental) have been more than happy to accept my passport as ID to open accounts, or reverify, with my additional verification of the name change. 

I had held this Chase account already for 3 years. If they'd bother to look at my credit file, they'd have seen my name linked to my married name. 

I know 2 divorced women who are also still using their married name passport @la531983 .  No one wants to spend even more money on the expensive divorce that they don't need to. This is the first time in the past 4 years its been an issue. 

I'm guessing it's less a problem for men, as most don't change their names when they marry. Another cost for women to bear. 

Uriziel

vicker said:

Chief_of_Staffy said:

You really need to update your passport. That said, their suggestion that you should use a name that is not your own, and that they know is not your own, and that would somehow prove your ID, just shows the staggering incompetence prevalent in most if not all institutions.

I hadn't seen it from that perspective. You're absolutely right. 

To the other posters - every single institution that has asked for id (DBS, Council, government, tax office, other banks, mortgage applications, house purchase/rental) have been more than happy to accept my passport as ID to open accounts, or reverify, with my additional verification of the name change. 

I had held this Chase account already for 3 years. If they'd bother to look at my credit file, they'd have seen my name linked to my married name. 

I know 2 divorced women who are also still using their married name passport @la531983 .  No one wants to spend even more money on the expensive divorce that they don't need to. This is the first time in the past 4 years its been an issue. 

I'm guessing it's less a problem for men, as most don't change their names when they marry. Another cost for women to bear. 

Another cost for women? Would you mind telling us who lost more of their assets due to the divorce, you or the guy? If this is not too private for you of course.

Brie

Uriziel said:

vicker said:

I'm guessing it's less a problem for men, as most don't change their names when they marry. Another cost for women to bear. 

Another cost for women? Would you mind telling us who lost more of their assets due to the divorce, you or the guy? If this is not too private for you of course.

Um yes, another cost for women.  Sounds like you might be upset with the financial results of your divorce possibly?  The split is of marital assets.  Not a woman stealing from her ex.  

Brie

@Vicker
The problem as I see it is that Chase - like a lot of banks - is being too strict in its ID policy and there should be an alternative to using a passport.  What if your passport had expired and you no longer wanted to travel?  Why can't they accept a reasonable selection of alternatives to prove who you are?  Frankly I think you are correct in standing your ground on this.  

vicker

Uriziel said:

vicker said:

Chief_of_Staffy said:

You really need to update your passport. That said, their suggestion that you should use a name that is not your own, and that they know is not your own, and that would somehow prove your ID, just shows the staggering incompetence prevalent in most if not all institutions.

I hadn't seen it from that perspective. You're absolutely right. 

To the other posters - every single institution that has asked for id (DBS, Council, government, tax office, other banks, mortgage applications, house purchase/rental) have been more than happy to accept my passport as ID to open accounts, or reverify, with my additional verification of the name change. 

I had held this Chase account already for 3 years. If they'd bother to look at my credit file, they'd have seen my name linked to my married name. 

I know 2 divorced women who are also still using their married name passport @la531983 .  No one wants to spend even more money on the expensive divorce that they don't need to. This is the first time in the past 4 years its been an issue. 

I'm guessing it's less a problem for men, as most don't change their names when they marry. Another cost for women to bear. 

Another cost for women? Would you mind telling us who lost more of their assets due to the divorce, you or the guy? If this is not too private for you of course.

Woah! That's a leap!  And what a bizarre request to ask for the financial details of my divorce. It's completely irrelevant.

Have another read of my post and you'll realise that I meant most women's passports will have an incorrect name after they divorce. The cost to renew to their new name is additional cost for them which men don't have to pay for.

Ayr_Rage

Brie said:

@Vicker
The problem as I see it is that Chase - like a lot of banks - is being too strict in its ID policy and there should be an alternative to using a passport.  What if your passport had expired and you no longer wanted to travel?  Why can't they accept a reasonable selection of alternatives to prove who you are?  Frankly I think you are correct in standing your ground on this.  

They accept a driving licence however the OP also said 

"I currently don't have the driving license I used to open the account."

which also begs a question as to why not, it seems she really needs to get her documents sorted.