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way2roll

Wilmington NC

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Posted: 08/07/19 07:29am Link  |  Quote  |  Print  |  Notify Moderator

timmac wrote:

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..


Mailing address? Sure. Physical address, no way. You cannot open an account in any US chartered bank and have a physical address as a PO box. It's against OCC regulations and fines are in the neighborhood of $200k per instance. There was a nationwide OCC consent order back in 2013 that mandated this. But most banks are still dealing with legacy populations and that takes time. But they can send your statements anywhere you like (within reason).

way2roll

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Posted: 08/07/19 10:00am 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?


Curious, are you a full timer? As we look at full timing in the next 2 years I wonder how banks will validate our "physical address" if you technically don't have one.

As part of our procedures at the bank I work, we are required to validate the address given. Meaning, if you are a US citizen you are required to provide proof of residence like an ID and a utility bill. Credit cards are slightly different than retail secured products and less prone to AML and terrorism funding so perhaps the rules are slightly different.

Grit dog

Black Diamond, WA

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Posted: 08/07/19 12:26pm Link  |  Quote  |  Print  |  Notify Moderator

^ Switch your mailing address to a PO Box before you go FT. Get all your cards and accounts you want/ need with no hassle. And if something changes down the road, deal with it then.


03 Arctic Fox 860
07 Dodge 2500 deezul
"Obviously I don't want to overload my truck and be unsafe, but the reality is the truck is way more capable than the 10K GVWR they put on the sticker.
KJ"

CFerguson

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Posted: 08/07/19 03:32pm Link  |  Quote  |  Print  |  Notify Moderator

Grit dog wrote:

^ Switch your mailing address to a PO Box before you go FT. Get all your cards and accounts you want/ need with no hassle. And if something changes down the road, deal with it then.


ime, post offices gladly allow you to use their street address + your POB number as anything else(eg, #, Apt, suite, etc) if someone requires that you have a "street" sddress. Ask them. Our small town southern PO encouraged us to use it to the point that it sounded like Policy.

So you'd list your box #456 POB address like:

joe blow
1002 Smalltown Street, Apt# 456
Anytown, State 00001

Added advantage is that UPS and FedEx deliver packages to them as well.

westernrvparkowner

montana

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Posted: 08/07/19 03:51pm Link  |  Quote  |  Print  |  Notify Moderator

CFerguson wrote:

Grit dog wrote:

^ Switch your mailing address to a PO Box before you go FT. Get all your cards and accounts you want/ need with no hassle. And if something changes down the road, deal with it then.


ime, post offices gladly allow you to use their street address + your POB number as anything else(eg, #, Apt, suite, etc) if someone requires that you have a "street" sddress. Ask them. Our small town southern PO encouraged us to use it to the point that it sounded like Policy.

So you'd list your box #456 POB address like:

joe blow
1002 Smalltown Street, Apt# 456
Anytown, State 00001

Added advantage is that UPS and FedEx deliver packages to them as well.
Bank software will instantly identify that as a PO Box and will almost assuredly raise additional red flags.

CFerguson

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Posted: 08/08/19 10:30am Link  |  Quote  |  Print  |  Notify Moderator

westernrvparkowner wrote:

CFerguson wrote:

Grit dog wrote:

^ Switch your mailing address to a PO Box before you go FT. Get all your cards and accounts you want/ need with no hassle. And if something changes down the road, deal with it then.


ime, post offices gladly allow you to use their street address + your POB number as anything else(eg, #, Apt, suite, etc) if someone requires that you have a "street" sddress. Ask them. Our small town southern PO encouraged us to use it to the point that it sounded like Policy.

So you'd list your box #456 POB address like:

joe blow
1002 Smalltown Street, Apt# 456
Anytown, State 00001

Added advantage is that UPS and FedEx deliver packages to them as well.
Bank software will instantly identify that as a PO Box and will almost assuredly raise additional red flags.

Prob true, but we've never had any problem with it.

BillyBob Jim

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

westernrvparkowner wrote:

CFerguson wrote:

Grit dog wrote:

^ Switch your mailing address to a PO Box before you go FT. Get all your cards and accounts you want/ need with no hassle. And if something changes down the road, deal with it then.


ime, post offices gladly allow you to use their street address + your POB number as anything else(eg, #, Apt, suite, etc) if someone requires that you have a "street" sddress. Ask them. Our small town southern PO encouraged us to use it to the point that it sounded like Policy.

So you'd list your box #456 POB address like:

joe blow
1002 Smalltown Street, Apt# 456
Anytown, State 00001

Added advantage is that UPS and FedEx deliver packages to them as well.
Bank software will instantly identify that as a PO Box and will almost assuredly raise additional red flags.


There are millions of people whose address is officially something such as;

John Smith
123 W 5th St
PO Box 11
Anytown WV

In a lot of semi rural areas where small Post offices exist that service small villages / boroughs/ towns, the USPS gives the residents a PO Box in said post office. They do not get rural delivery to a box on a post out front. You have to go to the post office and get your mail. They are all over the place in the Northeast. They also kind of suck since the USPS budget cuts. They may only be manned part time. If you get a parcel that will not fit in the box, you may only be able to get it M-F between 8:30 and Noon or Saturday morning between 8:30 and 11:30. Kind of a PITA if you work for a living

We've never had an issue in 25 years of living in such a location with a bank or anything else.

opnspaces

San Diego Ca

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Posted: 08/08/19 02:02pm Link  |  Quote  |  Print  |  Notify Moderator

Maybe so as far as getting mail delivered. But if you call a plumber because your drain line is overgrown with tree roots; Or you call a roofer because it's raining and you have a leak. Do you tell them to come to your PO box?
123 W 5th St
PO Box 11
Anytown WV

Or is there an actual address you give so the plumber can find you?


As far as a full timer it sounds like a pain that is coming down the line because of anti terrorism regulations. I wonder how the bank validates the physical address is actually your address and not something like the nearest small town store or something.


1996 Suburban 4x4. 350, 4.10 3/4 ton
2005 Jayco Jay Flight 27BH
1986 Coleman Columbia Popup.

way2roll

Wilmington NC

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Posted: 08/08/19 03:40pm Link  |  Quote  |  Print  |  Notify Moderator

opnspaces wrote:

Maybe so as far as getting mail delivered. But if you call a plumber because your drain line is overgrown with tree roots; Or you call a roofer because it's raining and you have a leak. Do you tell them to come to your PO box?
123 W 5th St
PO Box 11
Anytown WV

Or is there an actual address you give so the plumber can find you?


As far as a full timer it sounds like a pain that is coming down the line because of anti terrorism regulations. I wonder how the bank validates the physical address is actually your address and not something like the nearest small town store or something.


By validating it with an ID and/or a utility bill.

BillyBob Jim

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Posted: 08/08/19 05:33pm Link  |  Quote  |  Print  |  Notify Moderator

opnspaces wrote:

Maybe so as far as getting mail delivered. But if you call a plumber because your drain line is overgrown with tree roots; Or you call a roofer because it's raining and you have a leak. Do you tell them to come to your PO box?
123 W 5th St
PO Box 11
Anytown WV

Or is there an actual address you give so the plumber can find you?


As far as a full timer it sounds like a pain that is coming down the line because of anti terrorism regulations. I wonder how the bank validates the physical address is actually your address and not something like the nearest small town store or something.


The 123 W 5th is what you tell the plumber, or UPS, or Fedex. You have the PO box # as part of the address which is offical per the USPS, because the USPS does not physically deliver mail to the street address. Not everyone has the guy in ugly blue shorts coming to the box on the porch or a person in an SUV pulling up to a box on a post at the end of the driveway or lane.

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