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Paypal asking S/O to verify her identity. What could go wrong?


cashnocredit
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So she comes over and tells me this and isn't sure what to do?

 

I immediately think scam.  Turns out it wasn't.

 

They want copies of ID and, because we only have POBs on DLs, a copy of a utility bill showing the street service address along with the POB mailing address in her name. She has a passport too but absolutely nothing with a physical address on it. The utilities we get here , prop. tax, etc., are all in my name. What an effing mess.

 

Then it occurs to me that when her DL is up for renewal she will need the same stuff because of the "Real ID Act" which Calif. will have to cut in over the next few years.

 

This is nuts.

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34 minutes ago, Konrad2012 said:

You can list street addresses now in lieu of the PO Box

How does that work? USPS doesn't deliver mail to our street address. In any case what does she do now for PayPal? She doesn't have a thing that identifies our street address. She has had to provide it to banks when opening accounts but it was only verbal and doesn't show up on any written documentation. Maybe she'll find out tomorrow when she can talk to a hoo-man, as Quark might say.

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All USPS facilities have real street addresses.   And they market that now to be competitive. 

 

So instead of using:

Cash No Credit

PO Box 420

Laguna Beach, CA 92652

 

You can use:

Cash No Credit

350 Forest Ave. 

Apt 420

Laguna Beach, CA 92652 

 

You'd have to reset your utilities, CC billing addresses and DMV addresses, but it will solve all your problems moving forward including companies unwilling to ship to PO boxes like Apple or Sams Club 

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Interesting. Might work for her. Thanks. Will look into it. One  possible issue is that Calif. DLs need a physical address where you reside for the new licenses. Do they accept that?

 

BTW, had a new neighbor move in next door after the bank foreclosed on the guy that's going to trial next month. He had no idea USPS didn't deliver mail to the street address here either so I filled him in. At least he won't be wondering why in hell he isn't getting mail like I did for quite a while when I was new.

Edited by cashnocredit
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15 hours ago, Konrad2012 said:

Who cares what the employees opinions are?  This is straight from USPS:

 

https://postalpro.usps.com/competitivepoboxes

 

And it works using the PO Box # as Apt#, Unit#, Ste# etc.  350 Forest Ave Apt 420,   350 Forest Ave Unit 420,  350 Forest Ave Ste 420 etc 

This works for buying stuff but not for verification of residence. She doesn't reside at the Post Office's street address. She has to show something with the actual street address she resides at. The DMV requires the same for their new True ID License though you can still get a license w/o providing it. Just can't use it for air travel after the waiver expires. Fortunately she has a passport.

 

So the problem is really just Paypal at this point. They want a residence on a utility/tax bill and have rejected the few things she has that shows the address.  I'm curious what they will come up with.

 

As an aside, the POB suggests not using their street address but rather your residential address followed by #nnnn (the POB number). Anything addressed this way is properly delivered to the POB or, if FEDEXed or UPSed, is delivered to the residence. But this sometimes fails with smaller merchants that run the address through a verification program which tells them the ZIP does not have the physical address.

 

It's generally a mess and interesting to read the various employee's ways of working around the continuing problem.

Edited by cashnocredit
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On 10/14/2018 at 9:50 PM, Konrad2012 said:

All USPS facilities have real street addresses.   And they market that now to be competitive. 

 

So instead of using:

Cash No Credit

PO Box 420

Laguna Beach, CA 92652

 

You can use:

Cash No Credit

350 Forest Ave. 

Apt 420

Laguna Beach, CA 92652 

 

You'd have to reset your utilities, CC billing addresses and DMV addresses, but it will solve all your problems moving forward including companies unwilling to ship to PO boxes like Apple or Sams Club 

Mmmmmmmmmmm, club sandwich...

 

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For residence....wouldn't you put your 911 address?  (even though you get mail elsewhere) 

If the area is so rural that the USPS won't deliver there, they should have some sort of forwarding directory so they know what PO Box to put it in.  

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8 hours ago, Tigz said:

For residence....wouldn't you put your 911 address?  (even though you get mail elsewhere) 

If the area is so rural that the USPS won't deliver there, they should have some sort of forwarding directory so they know what PO Box to put it in.  

Our USPO requests that we put our home physical address followed by the pob using only "#NNNN" on a new line.

 

So we now don't have too much a problem with mail or buying things where they could ship UPS, FEDEX as well as USPS. Except that the physical address sometimes gets rejected because it doesn't show up in their database of streets. Not a big problem though.

 

The big problem she has is the new DL. and PayPal. The state requires proof of both citizenship (passport, birth cert.) AND proof of residence which has to be something like a utility bill or tax bill that shows the address. She doesn't get any of those addressed to her.

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2 hours ago, Tigz said:

One has to wonder.....what do homeless people do?  

General Delivery?  Do they still have that?

 

Funny thing is that this is needed for a DL that meets the "Real ID Act" otherwise the DL is not valid for flying.  Yet her passport, which doesn't require any residence info, is just fine for flying. Otherwise, if she just renews her license w/o the info she can use her passport. J typically use my passport card when flying.

 

Also oddly, PayPal is insisting that she update her residence info but her account is still in operation. Maybe the Patriot Act just makes them ask but she can ignore it? 

 

https://www.dmv.ca.gov/portal/dmv/detail/realid

 

California residency, such as home utility bill that lists your name and physical address (a P.O. Box can be used as the mailing address to receive your REAL ID, but your residency document must display a P.O. Box and physical address).

 

Hmm. I wonder if getting the "Federal Limits Apply" version might get you out of jury duty. At least with the Feds.

Edited by cashnocredit
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On 10/14/2018 at 7:50 PM, Konrad2012 said:

All USPS facilities have real street addresses.   And they market that now to be competitive. 

 

So instead of using:

Cash No Credit

PO Box 420

Laguna Beach, CA 92652

 

You can use:

Cash No Credit

350 Forest Ave. 

Apt 420

Laguna Beach, CA 92652 

 

You'd have to reset your utilities, CC billing addresses and DMV addresses, but it will solve all your problems moving forward including companies unwilling to ship to PO boxes like Apple or Sams Club 

I'm just thinking. That might satisfy some average Joe that this address is a physical address and not a p.o. box, but wouldn't software programs that banks, businesses, etc., use still identify the address as a post office or some other commercial postal/package store?

A while ago I went through an issue where a creditor thought the home address I was using was a business address. Their software identified my address as a pizza place. They finally believed me when I sent them a copy of my Los Angeles County property tax bill.

Edited by Burgerwars
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On 10/19/2018 at 5:06 PM, cashnocredit said:

The state requires proof of both citizenship (passport, birth cert.) AND proof of residence which has to be something like a utility bill or tax bill that shows the address. She doesn't get any of those addressed to her.

Documents which meet the residency requirements are much broader than you are thinking. 

 

  • Rental or lease agreement with the signature of the owner/landlord and the tenant/resident.
  • Deed or title to residential real property.
  • Mortgage bill.
  • Home utility bills (including cellular phone).
  • School documents including any document issued by a U.S. education institution that either includes the applicant's date of birth, or if a foreign school document, is sealed by the school and includes a photograph of the applicant at the age the record was issued.
  • Medical documents.
  • Employment documents.
  • Faith based documents that include the name and address of the issuing organization.
  • Insurance documents, including medical, dental, vision, life, home, rental, and vehicle.
  • Internal Revenue Service or California Franchise Tax Board tax return.
  • California Certificate of Vehicle or Vessel Title or Registration.
  • Change of Address Confirmation by the U.S. Postal Service (Form CNL 107).
  • Any document issued by an entity, office, or authority governing over a country, state, county, city, municipality, district, agency, department, or any other political subdivision of a country or state that is typed and contains the agency name, department name, state seal, or is on official letterhead.
  • Property tax bill or statement.
  • Record of any state or national banks, state or federal savings associations, trust companies, industrial loan companies, state or federal credit unions, and any institution or entity that has issued a credit card.
  • An acceptable No Fee Identification Card Eligibility Verification (DL 933) form.
  • Voter registration confirmation letter or postcard issued by the California Secretary of State or a local California county elections officer.
  • Proof of payment of resident tuition at a public institution of higher education located in California.
  • An original copy of an approved Claim For Homeowners’ Property Tax Exemption (BOE-266) form filed with a local California County Assessor.
  • Court documents that list the applicant as a resident of California.
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3 hours ago, Konrad2012 said:

Documents which meet the residency requirements are much broader than you are thinking. 

 

  • Rental or lease agreement with the signature of the owner/landlord and the tenant/resident.
  • Deed or title to residential real property.
  • Mortgage bill.
  • Home utility bills (including cellular phone).
  • School documents including any document issued by a U.S. education institution that either includes the applicant's date of birth, or if a foreign school document, is sealed by the school and includes a photograph of the applicant at the age the record was issued.
  • Medical documents.
  • Employment documents.
  • Faith based documents that include the name and address of the issuing organization.
  • Insurance documents, including medical, dental, vision, life, home, rental, and vehicle.
  • Internal Revenue Service or California Franchise Tax Board tax return.
  • California Certificate of Vehicle or Vessel Title or Registration.
  • Change of Address Confirmation by the U.S. Postal Service (Form CNL 107).
  • Any document issued by an entity, office, or authority governing over a country, state, county, city, municipality, district, agency, department, or any other political subdivision of a country or state that is typed and contains the agency name, department name, state seal, or is on official letterhead.
  • Property tax bill or statement.
  • Record of any state or national banks, state or federal savings associations, trust companies, industrial loan companies, state or federal credit unions, and any institution or entity that has issued a credit card.
  • An acceptable No Fee Identification Card Eligibility Verification (DL 933) form.
  • Voter registration confirmation letter or postcard issued by the California Secretary of State or a local California county elections officer.
  • Proof of payment of resident tuition at a public institution of higher education located in California.
  • An original copy of an approved Claim For Homeowners’ Property Tax Exemption (BOE-266) form filed with a local California County Assessor.
  • Court documents that list the applicant as a resident of California.

Yeah, I wasn't listing them all. But she has none of them with her physical address on it.

 

And those would work fine for most. Especially if they had name and street address w/o a POB. But, when using a POB only, the usual mailing address, some of them would show both a mailing address (POB) and physical address like utility bills tied to the physical. The ones she has all have only her POB, not residence address. And that includes Vehicle Registration and other stuff in the list. Just POBs. She could, I suppose, change one of the items so that it's sent to the USPO recommended format, when FEDEX or USPS is possible, of physical address and #nnnn on the next line. But, unlike a utility or tax bill tied to the property, it doesn't prove physical addresses because one can put any address on the mail. It's only for UPS, FEDEX, etc. The post office just ignores the address and sticks it in the #NNNN box.

 

I think if she has the IRS send a tax transcript that would have her POB as well as physical address. It's required for filing so it should be part of the transcript.

 

Maybe a FEDEX shipping label would work? Or not.

Specifically, the Calif. requirement is:

 

Proof of a physical address is required. A PO Box can be used as the mailing address to receive your REAL ID, but your residency

document must display a PO Box and physical address.

 

 

Edited by cashnocredit
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So make her a lease. 

 

Car insurance policies generally have mailing addresses as well as where the vehicle is garaged. 

 

You can change vehicle registration to show the home address on the registration placard and still use the PO Box as the mailing address for the DMV.  BTDT. 

Edited by Konrad2012
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31 minutes ago, Konrad2012 said:

So make her a lease. 

 

Car insurance policies generally have mailing addresses as well as where the vehicle is garaged. 

 

You can change vehicle registration to show the home address on the registration placard and still use the PO Box as the mailing address for the DMV.  BTDT. 

This was my assumption as well but when I looked at my current insurance, registration and renewal forms they did not have physical addresses. I'm pretty sure in the past that at least the auto registration did have physical. In any case the DMV obviously has the records of where the autos are garaged. Makes no sense they can't just use that and perhaps they can and do but just havn't noted that in their requirements. Right now the lines at the DMV are very long so going there to change things is not pleasant. She has more than a year to go before her license renewal comes up so perhaps things will be clearer by then.

 

Getting an IRS transcript would do the job too since they require both a physical and POB when different. And that can be done quickly. I could also transfer the water bill if needed. Several ways to skin the cat but this seems so strange and unnecessary.

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