Chase's ridiculous ID policy

vicker

Ayr_Rage said:

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.

You've heard of medical conditions affecting your ability to drive, right? I'd honestly rather have my driving license in my hand, than be enduring what I am with my health.

MattMattMattUK

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.  

In general there are issues with banks being too lax with ID requirements. The reason here is because it ID does not match and anything less than the passport or driving license is very easily faked by anyone with even rudimentary computer skills. 

It is yet another reason why we need national ID cards, currently being the only nation in Europe without them. It could solve many issues and properly implemented could all but eradicate identity theft and impersonation fraud.

retiredbanker1

MattMattMattUK said:

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.  

In general there are issues with banks being too lax with ID requirements. The reason here is because it ID does not match and anything less than the passport or driving license is very easily faked by anyone with even rudimentary computer skills. 

It is yet another reason why we need national ID cards, currently being the only nation in Europe without them. It could solve many issues and properly implemented could all but eradicate identity theft and impersonation fraud.

LOL ID cards?? What happens if you change your surname or in the case of the OP here loses the card?
IMO a passport does the same (and a lot more) than another level of bureaucracy.

MattMattMattUK

retiredbanker1 said:

MattMattMattUK said:

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.  

In general there are issues with banks being too lax with ID requirements. The reason here is because it ID does not match and anything less than the passport or driving license is very easily faked by anyone with even rudimentary computer skills. 

It is yet another reason why we need national ID cards, currently being the only nation in Europe without them. It could solve many issues and properly implemented could all but eradicate identity theft and impersonation fraud.

LOL ID cards?? 

Yes, ID cards, the same as every other European nation and most advanced economies globally. 

retiredbanker1 said:
What happens if you change your surname 

Then your card gets reissued with your correct name.

retiredbanker1 said:
or in the case of the OP here loses the card?

Then you have a replacement card issued.

retiredbanker1 said:

IMO a passport does the same (and a lot more) than another level of bureaucracy.

It does not need to be another level of bureaucracy, it would be linked together, the same as most European countries do, passport with accompanying ID card, which also covers entitlement to drive.

Tony5896

You state you are not that person .. yet you are willing to be that person for 4 more years ..

which are you ? I don’t blame Chase

Tony5896

As for a cost if changing a name .. as a male  who has that .. didn’t cost a penny 

Emmia

vicker said:

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.

But changing your name on marriage isn't mandatory,, you chose to do it, presumably also losing time on a passport previously.

I think if you want to have the account then you need to sort out your documents.

Emmia

MattMattMattUK said:

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.  

In general there are issues with banks being too lax with ID requirements. The reason here is because it ID does not match and anything less than the passport or driving license is very easily faked by anyone with even rudimentary computer skills. 

It is yet another reason why we need national ID cards, currently being the only nation in Europe without them. It could solve many issues and properly implemented could all but eradicate identity theft and impersonation fraud.

I absolutely agree we should have ID cards available, it would solve so many problems.

MattMattMattUK

Interesting that the gov.uk website specifically stays that after a name change a person is required to get a new passport to use it for travel or proof of identity. 

You’ll need to get a new passport to travel abroad or prove your identity if you change any of the following:

-your name

https://www.gov.uk/changing-passport-information

Chief_of_Staffy

Emmia said:

MattMattMattUK said:

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.  

In general there are issues with banks being too lax with ID requirements. The reason here is because it ID does not match and anything less than the passport or driving license is very easily faked by anyone with even rudimentary computer skills. 

It is yet another reason why we need national ID cards, currently being the only nation in Europe without them. It could solve many issues and properly implemented could all but eradicate identity theft and impersonation fraud.

I absolutely agree we should have ID cards available, it would solve so many problems.

I can't see that happening, for many reasons, some of which are not permitted discussion on this forum. However, an obvious one is that there is a large industry that has grown up around ID verification (approaching 300 companies and £3bn annual revenue), together with the substantial added revenue for peripheral services such as those offered by solicitors, estate agents, accountancy firms and the like. An official, definitive government-issue ID would render all that obsolete, meaning that governments of whatever stripe would be loathe to do it.