RV.Net Open Roads Forum: Full Time RVers using mail forwarding and Denied Credit

RV Blog

  |  

RV Sales

  |  

Campgrounds

  |  

RV Parks

  |  

RV Club

  |  

RV Buyers Guide

  |  

Roadside Assistance

  |  

Extended Service Plan

  |  

RV Travel Assistance

  |  

RV Credit Card

  |  

RV Loans

Open Roads Forum Already a member? Login here.   If not, Register Today!  |  Help

Newest  |  Active  |  Popular  |  RVing FAQ Forum Rules  |  Forum Help and Support  |  Contact  

Search:   Advanced Search

Search only in Full-time RVing

Open Roads Forum  >  Full-time RVing

 > Full Time RVers using mail forwarding and Denied Credit

Reply to Topic  |  Subscribe  |  Print Topic  |  Post New Topic  | 
Page of 2  
Next
Sponsored By:
hamhike

Florida

New Member

Joined: 08/12/2017

View Profile



Good Sam RV Club Member

Offline
Posted: 08/12/17 02:39pm Link  |  Quote  |  Print  |  Notify Moderator

We received a letter from Capital One Credit card stating that our mail forwarding street address was not valid for a physical address and that commercial mail forwarding companies address could not be used either. We ran into problems when we applied for a RV loan as well. Any other Full Timers had the same problems.

Trackrig

Spent the summer in Conconuly, Wa, MH now in Vanco

Senior Member

Joined: 05/15/2011

View Profile


Offline
Posted: 08/12/17 02:51pm Link  |  Quote  |  Print  |  Notify Moderator

You've got to know someone who will let you use their address and then do everything electronically.

Bill


Nodwell RN110 out moose hunting. 4-53 Detroit, Clark 5 spd, 40" wide tracks, 10:00x20 tires, 16,000# capacity, 22,000# weight. You know the mud is getting deep when it's coming in the doors.


tinstartrvlr

Florida

Senior Member

Joined: 09/19/2015

View Profile



Good Sam RV Club Member

Offline
Posted: 08/12/17 02:56pm Link  |  Quote  |  Print  |  Notify Moderator

Think it depends on the bank. When I recently bought a truck, I was financed through one bank but one of the other banks that the dealer shopped for me sent a letter telling me they denied a loan because they "couldn't verify my address". It's one of the big mail forwarding services many fulltimers use. So one bank had no problem with it and another did.

Shop around and find one that gets it and wants your business. They're out there.

1492

Washington, DC

Moderator

Joined: 04/08/2005

View Profile



Posted: 08/12/17 08:45pm Link  |  Quote  |  Print  |  Notify Moderator

[image]

rexlion

Broken Arrow OK

Senior Member

Joined: 04/01/2005

View Profile



Posted: 08/12/17 09:12pm Link  |  Quote  |  Print  |  Notify Moderator

We now return to our regularly scheduled Q&A.....


Mike G.
--currently in between trailers--
To every thing there is a season, and a time to every purpose under the heaven... (Ecclesiastes 3)


time2roll

Southern California

Senior Member

Joined: 03/21/2005

View Profile



Good Sam RV Club Member


Posted: 08/12/17 09:18pm Link  |  Quote  |  Print  |  Notify Moderator

It is just a credit card.... why do you want them specifically?
Well known issue with banks and no permanent address.


2001 F150 SuperCrew
2006 Keystone Springdale 249FWBHLS
675w Solar pictures back up

Old-Biscuit

Verde Valley

Senior Member

Joined: 06/20/2009

View Profile



Posted: 08/13/17 12:31am Link  |  Quote  |  Print  |  Notify Moderator

2oldman wrote:

Old-Biscuit wrote:

Title of thread covers it
I'm not so sure, since he also said "..as well." That was confusing to me.

I'm hoping the OP will answer.


Capital One Credit Card ...denied. Capital one not accepting 'mailforwarding addresses' (Their policy)


'as well'
OP also had issue using mail forwarding address for an RV LOAN


Conclusion:
OP has had problems with using mail forwarding address and getting credit card and RV loan and was wondering if other FT RVrs had same/similar issues.

(not making it up just READ it in OPs post)


Is it time for your medication or mine?


2007 DODGE 3500 QC SRW 5.9L CTD In-Bed 'quiet gen'
2007 HitchHiker II 32.5 UKTG 2000W Xantex Inverter
On the Road Debt Free April '07
Off the road still Debt Free Jan. '14

ricklord2001

Green Cove Spr, Fl

Senior Member

Joined: 03/23/2007

View Profile



Good Sam RV Club Member

Offline
Posted: 08/13/17 10:24am Link  |  Quote  |  Print  |  Notify Moderator

I had a credit card cancelled by the company when we fulltimed for 2 years. They claimed the "Patriot Act's. I really didn't care as I didn't want the card anyway. Also my wife had a small retirement account frozen due to the same thing. Again we didn't care as we didn't need it and were planning on consolidating all our retirement stuff when our new house was built.
Now the strange part my wife had THE same credit card and was never affected and I had accts with the financial company and was never affected. So it appears they spot check a number of accts from time to time and we were affected. Also had a problem when I tried to enter my mail forwarding address on my bank accts, they kept denying it. Had to call to get them to manually do it.

TechWriter

On The Road

Senior Member

Joined: 12/22/2002

View Profile



Good Sam RV Club Member


Posted: 08/13/17 11:20am Link  |  Quote  |  Print  |  Notify Moderator

ricklord2001 wrote:

I had a credit card cancelled by the company when we fulltimed for 2 years. They claimed the "Patriot Act's.

It's not a "claim" -- it is the Patriot Act.

Specifically, it's the CIP (Customer Identification Program) to prevent money laundering.

For full time RVers without a permanent street address, it means finding someone whose address you can use. Here's the pertinent section from the Partiot Act (see bottom of page 480):

For an individual who does not have a residential or business street
address, an Army Post Office (APO) or Fleet Post Office (FPO) box number, or
the residential or business street address of next of kin or of another contact individual


If the person at the financial institution doesn't understand this, then ask to speak with the institution's Compliance Officer.

* This post was edited 08/13/17 04:47pm by TechWriter *


2001 Newmar Mountain Aire 4095 DP
Full Timer since May 2013
www.rvSeniorMoments.com
DISH TV for RVs

gotsmart

a bit too late though

Senior Member

Joined: 02/20/2012

View Profile



Good Sam RV Club Member


Posted: 08/13/17 10:57pm Link  |  Quote  |  Print  |  Notify Moderator

With credit cards one can have both a physical address and a billing address on file.

Call up the CC company's customer service and give them an address for the physical address that they require (it could be the RV park that you are staying at for all they care), then tell them that you have a separate billing address and give them your mailbox's address.

I've already gone through this "Patriot Act" stuff with my credit cards. I did the above. My PMB is my billing address.

Don't sweat it.

Reply to Topic  |  Subscribe  |  Print Topic  |  Post New Topic  | 
Page of 2  
Next

Open Roads Forum  >  Full-time RVing

 > Full Time RVers using mail forwarding and Denied Credit
Search:   Advanced Search

Search only in Full-time RVing


New posts No new posts
Closed, new posts Closed, no new posts
Moved, new posts Moved, no new posts

Adjust text size:

© 2017 CWI, Inc. © 2017 Good Sam Enterprises, LLC. All Rights Reserved. | Terms of Use | PRIVACY POLICY | YOUR PRIVACY RIGHTS