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njtony

indiana

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Posted: 08/06/19 05:29pm Link  |  Quote  |  Print  |  Notify Moderator

Just had a long conversation with capital one about my permanent home address. They said I cannot use UPS store as my address. If I did not provide them with a building address they were going to cancel my credit cards. So I gave them the address of campground I am currently staying at. Anyone else have this problem?

rdhetrick

Texas

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Posted: 08/06/19 06:54pm Link  |  Quote  |  Print  |  Notify Moderator

Yep, I think it's a result of the Real-ID laws. I do most of my banking with Capital One, and I had to use something besides my mail service address.


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Lwiddis

Near USFS Glass Creek CG, Inyo County, CA

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Posted: 08/06/19 07:55pm Link  |  Quote  |  Print  |  Notify Moderator

Careful who you “blame.”


Winnebago 2101DS TT & 2019 Chevy Silverado LTZ Z71, 300 watts solar-parallel & MPPT, Trojan T-125s. TALL flagpole for flags. Prefer USFS, COE, BLM, NPS, TVA, USF&WS, state & county camps. Bicyclist! 14 year Army vet - 11B40 then 11A - old MOS 1542 & 1560.


timmac

Las Vegas

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Posted: 08/06/19 10:20pm Link  |  Quote  |  Print  |  Notify Moderator

njtony wrote:

Just had a long conversation with capital one about my permanent home address. They said I cannot use UPS store as my address. If I did not provide them with a building address they were going to cancel my credit cards. So I gave them the address of campground I am currently staying at. Anyone else have this problem?


With Capital One sloppy handling of your private info why than keep the card..

Plenty of other banks that will offer with a P.O. box address..

Ava

Vancouver Island. BC Canada

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Posted: 08/06/19 10:40pm Link  |  Quote  |  Print  |  Notify Moderator

I think I just heard about a data breach with Capital one. Something to check on.

Scottiemom

South Dakota/Indiana

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Posted: 08/07/19 05:01am Link  |  Quote  |  Print  |  Notify Moderator

We have a Cabelas Card and Cabelas switched to Capital One. I had to sign up with them, but I didn't have any trouble doing it. We fulltimer (15 years) and use Dakota Post in SD.

Dale


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wa8yxm

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Posted: 08/07/19 05:41am Link  |  Quote  |  Print  |  Notify Moderator

My Capitol one card is registered to my PO box.


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way2roll

Wilmington NC

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Posted: 08/07/19 05:55am Link  |  Quote  |  Print  |  Notify Moderator

As someone who works at a bank managing compliance regulations, I deal with this all the time. Per the OCC and OFAC regulations banks are required to validate the customer's address is a physical address. This is not to be confused with a mailing address (account address) which can be a PO box. This is due to AML, antiterrorism, SDN, OFAC etc etc - compliance 8 ways of Sunday. So it's not the banks fault, it's the government - and rightfully so. In order to protect banks, their customers and the nation as a whole, every bank is required to "know your customer". This means validating where you live. If you have an older account and your physical address is listed a PO box, technically it's an OCC violation, but it's likely you are not deemed a high risk and thus fall lower on the priority list to update your profile and validate a physical address. Every bank is required to do this and it's a huge and costly initiative especially when dealing with older data when it wasn't required and now you have to go back and backfill. Most large banks like Cap 1 and the one I work have upwards to 30-50MM customers. It's a very large and expensive ordeal - not to mention bad customer experience. But in short, it's not the individual bank's fault.

* This post was edited 08/07/19 07:20am by way2roll *

Campfire Time

Wisconsin

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Posted: 08/07/19 06:48am Link  |  Quote  |  Print  |  Notify Moderator

way2roll wrote:

As someone who works at a bank managing compliance regulations, I deal with this all the time. Per the OCC and OFAC regulations banks are required to validate the customer's address is a physical address. This is not to be confused with a mailing address (account address) which can be a PO box. This is due to AML, antiterrorism, SDN, OFAC etc etc - compliance 8 ways of Sunday. So it's not the banks fault, it's the government - and rightfully so. In order to protect banks, their customers and the nation as a whole, every bank is required to "know your customer". This means validating where you live. If you have an older account and your physical address is listed a PO box, technically it's an OCC violation, but it's likely you are not deemed a high risk and thus fall lower on the priority list to update your profile and validate a physical address. Every bank is required to do this and it's a huge and costly initiative especially when dealing with older data when it wasn't required and now you have to back and backfill. Most banks like Cap 1 and the one I work have upwards to 30-50MM customers. It's a very large and expensive ordeal - not to mention bad customer experience. But in short, it's not the individual bank's fault.


X2, this is all correct. I'm in IT and worked for a bank for over 9 years until they got bought out. I really hate Capital One, had them for a long time until their customer service dept. allowed a PIN to be set on our card without proper verification. That said, don't blame the messenger (Capital One).


Chuck D.
“Adventure is just bad planning.” - Roald Amundsen
2013 Jayco X20E Hybrid, 2008 GMC Sierra SLE1 Crew Cab Z71


Campfire Time

Wisconsin

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Posted: 08/07/19 06:48am Link  |  Quote  |  Print  |  Notify Moderator

Double post. Sorry. Stupid "Service Unavailable" again.

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