Strange request from FNBO

[Anonymous]

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@username7 wrote:

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@cashorcharge wrote:

According to their website, their branches are only in a few states.  What if you don't live in one of those states?

I'm not doubting the issue happened, I guess anything could happen..as odd as it seems..but the resolution doesn't seem feasible 

I'd try calling in to speak to someone else.  Or maybe start with a regular CSR, not the Fraud Dept first.

https://www.fnbo.com/branch-locations/states/

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The fraud dept CSR initially said as I said in my OP that any bank would work, but it had to be the branch manager that called.

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But I wonder if this is just slight miscommunication.  When an employee of bank X says "any bank" they may well mean "any of our branches" becaue that is all they think of.   Much more likely than they would suggest going to another bank entirely, for all the reasons of disbelief in this thread.

[ChargedUp]

Are we certain the word "notary" wasn't mentioned? Most every bank has one on staff and they can be used to verify identity when signing  documents.

[username7]

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@ChargedUp wrote:

Are we certain the word "notary" wasn't mentioned? Most every bank has one on staff and they can be used to verify identity when signing  documents.

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She didn't mention that, but I suppose it'll work. Chase and my other primary bank looked at me with 12 eyes, had no idea what to do, or even why FNBO would request ANOTHER, ENTIRELY DIFFERENT, bank to verify my identity. 

[SoCalGardener]

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@username7 wrote:

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Chase and my other primary bank looked at me with 12 eyes, had no idea what to do, or even why FNBO would request ANOTHER, ENTIRELY DIFFERENT, bank to verify my identity. 

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Exactly. That's exactly how I expected them to act. I know I would react that way if I worked at a bank and a customer of some OTHER bank asked me to call THEIR bank to prove who I am...I don't know, I might call security over!

[ChargedUp]

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@username7 wrote:

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@ChargedUp wrote:

Are we certain the word "notary" wasn't mentioned? Most every bank has one on staff and they can be used to verify identity when signing  documents.

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She didn't mention that, but I suppose it'll work. Chase and my other primary bank looked at me with 12 eyes, had no idea what to do, or even why FNBO would request ANOTHER, ENTIRELY DIFFERENT, bank to verify my identity. 

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I would call FNBO back and ask them to clarify exactly what they are expecting you to do. If they want identity verification through notary, ask them to email or snail mail you the form they want notarized and then it should be a fairly simple process. Otherwise I cannot see how any other FI is going to help with this.

[username7]

Follow-up:

Called FNBO back to be crystal clear on the instructions, nothing changed. Monday morning, went to US Bank.. after explaining what I needed, they told me to take a seat and the manager would be out shortly. Well, have it be.. instead of the manager greeting me.. it was a sheriffs deputy. After explaining to him that i'm not here to rob the bank ._. he called FNBO and "authenticated" my identity. The US Bank manager was so confused that another bank would tell a customer to pick any bank and have that branch's manager call a totally different bank to verify someone's identity on their behalf. 

How long until it shows on my credit report?

[FinStar]

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@username7 wrote:

Follow-up:

Called FNBO back to be crystal clear on the instructions, nothing changed. Monday morning, went to US Bank.. after explaining what I needed, they told me to take a seat and the manager would be out shortly. Well, have it be.. instead of the manager greeting me.. it was a sheriffs deputy. After explaining to him that i'm not here to rob the bank ._. he called FNBO and "authenticated" my identity. The US Bank manager was so confused that another bank would tell a customer to pick any bank and have that branch's manager call a totally different bank to verify someone's identity on their behalf. 

How long until it shows on my credit report?

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So, having gone this route to get verified, did it get aproved? 

[username7]

It was already approved, I had the card and all the paperwork with me. 

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@FinStar wrote:

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@username7 wrote:

Follow-up:

Called FNBO back to be crystal clear on the instructions, nothing changed. Monday morning, went to US Bank.. after explaining what I needed, they told me to take a seat and the manager would be out shortly. Well, have it be.. instead of the manager greeting me.. it was a sheriffs deputy. After explaining to him that i'm not here to rob the bank ._. he called FNBO and "authenticated" my identity. The US Bank manager was so confused that another bank would tell a customer to pick any bank and have that branch's manager call a totally different bank to verify someone's identity on their behalf. 

How long until it shows on my credit report?

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So, having gone this route to get verified, did it get aproved? 

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[FinStar]

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@username7 wrote:

It was already approved, I had the card and all the paperwork with me. 

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@FinStar wrote:

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@username7 wrote:

Follow-up:

Called FNBO back to be crystal clear on the instructions, nothing changed. Monday morning, went to US Bank.. after explaining what I needed, they told me to take a seat and the manager would be out shortly. Well, have it be.. instead of the manager greeting me.. it was a sheriffs deputy. After explaining to him that i'm not here to rob the bank ._. he called FNBO and "authenticated" my identity. The US Bank manager was so confused that another bank would tell a customer to pick any bank and have that branch's manager call a totally different bank to verify someone's identity on their behalf. 

How long until it shows on my credit report?

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So, having gone this route to get verified, did it get aproved? 

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Thanks for the clarification.  I wasn't sure if they put the whole thing on hold until they confirmed your full identity.  Although reare, they've been known to rescind apps (even after the approval). 

As far as reporting, anywhere from 30-45 days (typically after your 1st statement generates).

[SoCalGardener]

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@username7 wrote:

Follow-up:

Called FNBO back to be crystal clear on the instructions, nothing changed. Monday morning, went to US Bank.. after explaining what I needed, they told me to take a seat and the manager would be out shortly. Well, have it be.. instead of the manager greeting me.. it was a sheriffs deputy. After explaining to him that i'm not here to rob the bank ._. he called FNBO and "authenticated" my identity. The US Bank manager was so confused that another bank would tell a customer to pick any bank and have that branch's manager call a totally different bank to verify someone's identity on their behalf. 

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Why am I not surprised?! I believe I said I might call security over if I worked in a bank and got such a bizarre request!

I'm glad you didn't get hauled in to explain things 'downtown' and it all worked out okay. But this is, hands-down, the strangest, most bizarre bank-related thing I've ever heard....