Are you saying you had a personal meeting with a rep? I actually don’t reside in the city of any of my CD accounts.
In past times people talked about flying to cities in order to obtain a high percentage rate CD.
I think I must be reading your post incorrectly shinobi. I don’t know where you live but I’m sure it’s not near Biloxi, MS. I thought you were talking about Keesler FCU. Maybe I’m wrong, but I thought you lived in the city in the NE NEIGHBORHOOD.
I did meet personally, at a branch, with a person who works for my financial institution. It was not Keesler. It was a different financial institution.
I did not have to go in person. They would have sent me the forms and I could have signed, on my own, before a notary.
Most important, again, remember different financial institutions have vastly different requirements to qualify for wiring money. You MUST make inquiry, preferably in advance of when you actually will be needing to use the service upon maturity of your CD. If you wait until the last minute: expect trouble.
Look at some old spy movies from the 60’s. See what they did to physical passports with scissors, paste and photos. Now imagine a scanned license with a tiny talent in Photoshop.
I don’t mind signing up with LinkedIn, Facebook, etc. with false data. I wouldn’t mind joining NextDoor, but that would require mail fraud, which I’m not willing to commit. Imagine a crook who was only seeing $$ signs and was quite willing to commit forgery for a big payday.
If I implied that violating their terms of service could be considered mail fraud (which I don’t think I did), my apologies. I haven’t seen their terms of service, or requirements for membership, in at least six years, and probably over seven.
IIRC, if your name was provided/sold to NextDoor, you received a post card from NextDoor with an invitation code. That postcard usually has your legally, correct information. If you used that invitation code, you were tied (even if you later changed it) to that data. In today’s PC parlance, I do not identify with that data (how can a fat zebra be named Slim Pickens?).
The only way to join NextDoor, without an invitation code, is to MAIL a copy of a utility bill with your “corrected” data to NextDoor. I capitalized MAIL because that’s what I considered to be “mail fraud”.
It is quite possible that NextDoor has lessened their requirements to include emailed images of your utility bills. Even with that minimization, I would not be comfortable submitting a “corrected” utility bill.
I hope the above explains things clearly.
For those who prefer to think the above is paranoid, okey dokey - enjoy your life. I’m enjoying mine. Per MONTH, I get three spam calls total (over 3 personal lines, and one business line), zero spam texts, less than 30 filtered spam emails (if you exclude LinkenInIdiots), and less than 15 pieces of junk mail (excluding grocery store flyers).
Everyone has there own niceties. Mine are simple … or simpel.
ETA: I think NextDoor is great for the first few months in a neighborhood. People feel free to say who is a good gardener, arborist, handyman, etc. They also feel free to talk about when they snowbird, go to the lakehouse, etc. If I were a thief, I would have no compunction forging a utility bill to join NextDoor in lots of above average communities. You could almost create a schedule for your thievery.
Yeah, I understand why it seems funny. To put it bluntly, the commotion has nuthin to do with a DL. It has EVERYTHING (yeah, I recently fell in love with CAPS) to do with notarization, specifically what I consider to be sketchy notarization.
For example, what does it take to sell a car/boat/home/property? If you can’t trust, or can manipulate, the notarization process, how trustworthy is it? There was a thread (I hope) about homes being sold from under people. To me, that requires a lot of work on the part of the ne’er-do-wells running the scam - a lot more work than photo-shopping a DL.
IIRC, my mailed invitation was to Current Resident, so I could use any name. At that point, I believe, the “neighborhood lead” was supposed to confirm/approve membership, but IME the leads usually don’t care, esp in more populated neighborhoods.
My accounts were eventually locked/disabled without an obvious reason (I suspect they checked public records for owner names), and they requested that I upload a copy of my ID to reinstate. I started to photoshop the name into my state ID, but it was too much effort .
Funny you mention that, since some of my utility bills don’t have my real name either. The way to do this is to not sign up in-person, not provide your SSN (which is essentially used for credit & ID verification), and let them bill you an extra month worth of a temporary (6-12 mo?) security deposit. This doesn’t work with all utility providers, some claim they must know your identity one way or another.
If I mailed my real utility bill which has my pseudonym, would it still somehow be mail fraud?