Chase's ridiculous ID policy

35har1old

masonic said:

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.

Didn't always have to do the selfie

35har1old

MattMattMattUK said:

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.

I would think the OP hasn't gone to the expense of legally changing her name being divorced doesn't change the name legally 
Two ways of changing your name
Unenrolled Deed Poll
Enrolled Deed Poll

35har1old

Chief_of_Staffy said:

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.

Unless the OP changed her name by deed pole it's still her name

masonic

35har1old said:

masonic said:

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.

Didn't always have to do the selfie

It seemed to be their standard procedure in October 2021 when I opened my account. Seems to have been that way since the first reported sign-up, and there were no dissenters regarding the need for a selfie in the following discussion. When did they stop? Before the end of 2022? If I remember rightly, they now ask for it when installing on a new device (though that wasn't the case initially). Which is probably what has caused the issue here. Anyway, it was mentioned in OP that driving licence was used for the selfie check.

Theleak250

I really hate the chase “once you leave you cannot return” policy, but on this occasion I can see why they didn’t accept the ID

penners324

You may have issues with immigration if using an incorrect name on your passport 

Randomreader

When I divorced my immediate thought was to change back to my maiden name but I ultimately decided not to. 

My children were minors and I wanted to have same name as them so decided to leave it until they were adults but when that time came I decided that it could just cause  too much hassle with finances, ID etc so 10 years later still using married name.  

Seeing this thread I’m so glad I did.  

vicker

My XH became such an absolute !!!!!! @Randomreader I couldn't bear to keep his name. The hassle of changing my name back was a much easier way forward than to have to be reminded of him so regularly if I continued using his name. I'm happy for you that your XH doesn't cause such emotions for you.

I haven't been abroad in ages @penners324 so no issues there.

And no need to change your name by deed poll if going back to your maiden name after getting divorced @35har1old Your decree absolute and marriage certificate is proof enough.

Update on the account: I've just rung Chase back. My Chase funds were promised to be with me yesterday. They still aren't in my Starling account today. The person I spoke to this evening was much more competent and suggested she transferred my total funds to Starling immediately. She also said there was no need to close my account and that I could keep it with a zero balance until I can reactivate the app. I wish that had been suggested to me on Friday, as my money would have been accessible. 

Chase are really not showing themselves in the best light here.

Randomreader

My XH was emotionally abusive to me and my children  and also financial abusive so believe me it was a big decision to keep his name.  

 When  it came to the divorce he was so controlling and argued every little detail.   I ended up much worse off than my solicitor said I would be because he threatened to fight every decision and in the end I agreed to a much smaller settlement to get rid of him.   The  alternative was large legal fees and a lot of time in court which would have left me just as badly off.  For a long time after the divorce he was still quizzing  my children about  what I spent money on (not a lot  apart from the  mortgage,  bills and  the kids). 

He is now sitting in a paid off house and having several holidays a year while I have a mortgage until I’m 70 and I’ve had 1 weeks holiday in  past 6 years.  Still very happy we divorced.