Chase's ridiculous ID policy

vicker

MattMattMattUK said:

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

Interesting that the gov.uk services are happy to accept my passport with my decree absolute and marriage certificate.

vicker

Emmia said:

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.

I'd have been considered very strange if I hadn't taken ex husband's name when I got married back in the 90s. It was what 99% of women did.

My passport pre marriage had my name amended. I sent it off before we married (can't remember what proof they requested) and my updated passport was valid from my wedding day until it ran out 4 years later. So only about a month lost of the 10 years.

Emmia

Chief_of_Staffy said:

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.

I think the reality is that access to any healthcare,. education, benefits etc. will eventually become specifically dependent on being able to produce an ID card. This could be a passport, or a driving licence, or a formal ID card, and people who are old enough to be out without their parents will need cards too.

I've been in NHS walk in places watching Americans kicking off because they have to pay, "health care is free in the UK" for what was really not "emergency" care.

Governments are loathed not because of companies, but because of politics...

I don't have a problem carrying ID, or having my passport in the name I'm known by.

Brie

Tony5896 said:

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

The gov.uk site says it's a minimum charge of £94.50.  

As for the whole thing about not changing names when getting married .....  I didn't when I got married in the 80s.  Which surprised my husband.   And I'll just mention in passing that Tony Blair's wife was always referred to as Cherie Booth (not Blair).  What she has on her passport I don't know.  But not changing one's name makes it much easier to provide ID and a continuity of documents, school records, employment history so I'd say it's always better to not change.  But too late for that now.

And as for ID cards - well I'd go for it if there was some easy way to tie things together to stop duplication and excessive bureaucracy.  So a ID card that would also serve as a driver's licence for those that drive or that could be added other things like bus passes for those that don't.  

friolento

Brie said:

And as for ID cards - well I'd go for it if there was some easy way to tie things together to stop duplication and excessive bureaucracy.  So a ID card that would also serve as a driver's licence for those that drive or that could be added other things like bus passes for those that don't.  

May be we could learn something from Ukraine?

sheramber

Not every divorced woman changes back to her maiden name. 

35har1old

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.

There's no legal requirement to change your name after a divorce 

Chief_of_Staffy

35har1old 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.

There's no legal requirement to change your name after a divorce 

I never claimed there was.

masonic

I'm confused. When I opened my Chase account I was required to go through the passport-selfie check during application and I thought everyone was ID-checked in this way. How did you come to have a Chase account in your maiden name? Edit: spotted it - driving licence

It is a shame you no longer have the driving licence as that was clearly your key to living under your maiden name hassle free until you renew your passport. But I suppose there is nothing you can do about that now.

masonic

friolento said:

Brie said:

And as for ID cards - well I'd go for it if there was some easy way to tie things together to stop duplication and excessive bureaucracy.  So a ID card that would also serve as a driver's licence for those that drive or that could be added other things like bus passes for those that don't.  

May be we could learn something from Ukraine?

Some US states are doing something similar. Not only to prove identity, but also providing a solution to age verification where you can prove you are over 18, 21, 62, 65 (whatever the particular need) without sharing your identity.