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Help On Legal Footing

Anon456
  |     |   249 posts since 2011

OK - got married. Have name change.

One of my credit unions wants the physical marriage license to make the name change.

I object to that. They have drivers license, can get the SS card, and can give Passport .... pass the patriot act, why not the name change needs of the credit union. EVEN if we do a form, and BOTH sign it, and provide a copy of the marriage license .... what else is really needed. THEY can say they require it, but I feel that is arbitrary overreach of their legal or business department.

Any ideas on how to protest or fight this type of documentation that is over and above the Patriot Act. I mean why does something satisfy the Patriot Act, but their same legal says they want more to make a name change.

FYI - I am in Texas. Texas does NOT allow a Notary to affirm (certified copy) any gov issued document, so that is not an option either.

Comment or help on this topic, pls.

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2


Answers
Kaight
  |     |   1,192 posts since 2011
Agree with your take. Your CU is probably being counselled by some pencil-necked squish of a lawyer, a person so uncertain of himself that he invokes unnecessary protections for the CU and defends the excess by citing non-existent "rules". You might find my solution inconvenient:

Leave. Make very certain they know why you are withdrawing your business. Complain loudly to CU higher ups. Then just leave. Find a CU smart enough actually to WANT your business, and open an account there. And tell your former CU to go f*** themselves!
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topkapi56
  |     |   48 posts since 2011
When I do not agree with a rule any business has and I have other options, I just do business elsewhere. I would be very surprised if it is illegal for the CU to require the marriage license. Is it really needed for their purposes? Probably not, but it is their rule. I am not quite sure I understood your objection anyway. I would think most of those other forms of identification contain more personal information than a marriage license does anyway. I have no problem doing battle when I think the battle is worth fighting. This does not seem the hill on which I would choose to hoist my flag.
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Anon456
  |     |   249 posts since 2011
OK - told the REP that THEIR policy was against MY Policy. Pointed out that I know they do not make the rules, but who ever the guy is that makes the rules needs to revisit the rules. Since someone gave them the OK to take information down electronically to satisfy the Patriot Act, then I told them to have that department call me to discuss having something similar for this issue.

I did get a call back from their compliance department rep, and they agreed to work from a copy as long as I also sent in a signed letter of instructions.

So solved for now. But it took me insisting that the compliance department be contacted to review this "requirement" to obtain originals when they can confirm the data on their side without it.

Thanks for the responses.
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