PO box problems?

[mustangy1]

Changed address to po box due theif neighbor harrasing and lanlord also, 
Having urgent Green card renawal at lostr in mail so i rent po box 
after struugle months Local officer said froward it, to PO box
Now having mails warning says your address is changed to po box? 
Is that bad ?
anyone had experince of this? 

[FinStar]

Just keep in mind that if you need a replacement card expedited (i.e. FedEx, UPS, etc.) you'd need to provide them with a physical address for delivery.

Otherwise, for any routine mail, you can receive any credit cards with your existing lenders (with few exceptions) at the PO BOX. You'll still need to provide a physical address whenever you apply for a new account, though (Patriot ACT requirement).

[Red1Blue]

From what I read some of fhe credit card companies does not like address as P.O. Box. Not sure why. You might want to check with them.

[simplynoir]

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@Red1Blue wrote:

From what I read some of fhe credit card companies does not like address as P.O. Box. Not sure why. You might want to check with them.

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As @FinStar pointed out due to federal regulations with KYC they require a physical address for identification purposes. Maybe a way around that would be a UPS box at a store for instance but I'm willing to bet if they caught on to the fact it would not go well for the cardholder

Now assuming a customer provides a physical address and a bank still does not allow a PO Box as an alternate address to send mail to then my guess is for fraud concerns. But I would think as long as they can verify the customer's idenity then that should be less of a concern

[LooksAreDeceiving]

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@simplynoir wrote:

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@Red1Blue wrote:

From what I read some of fhe credit card companies does not like address as P.O. Box. Not sure why. You might want to check with them.

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As @FinStar pointed out due to federal regulations with KYC they require a physical address for identification purposes. Maybe a way around that would be a UPS box at a store for instance but I'm willing to bet if they caught on to the fact it would not go well for the cardholder

Now assuming a customer provides a physical address and a bank still does not allow a PO Box as an alternate address to send mail to then my guess is for fraud concerns. But I would think as long as they can verify the customer's idenity then that should be less of a concern

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I would be interested to hear of any creditors that refuse to deliver mail to a PO box due to "fraud concerns."  What would be the rationale behind that?  If anything, the potential to unauthorized access to your mail is greater when delivered to a residence (which has the potential to be unsecured).

[FinStar]

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@LooksAreDeceiving wrote:

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@simplynoir wrote:

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@Red1Blue wrote:

From what I read some of fhe credit card companies does not like address as P.O. Box. Not sure why. You might want to check with them.

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As @FinStar pointed out due to federal regulations with KYC they require a physical address for identification purposes. Maybe a way around that would be a UPS box at a store for instance but I'm willing to bet if they caught on to the fact it would not go well for the cardholder

Now assuming a customer provides a physical address and a bank still does not allow a PO Box as an alternate address to send mail to then my guess is for fraud concerns. But I would think as long as they can verify the customer's idenity then that should be less of a concern

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I would be interested to hear of any creditors that refuse to deliver mail to a PO box due to "fraud concerns."  What would be the rationale behind that?  If anything, the potential to unauthorized access to your mail is greater when delivered to a residence (which has the potential to be unsecured).

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@LooksAreDeceiving - I have a few financial institutions, some CUs and international banks that will not deliver debit cards and/or CCs to a PO Box, only a physical address. Their policies 🤷‍♂️

Then again, I have no issues with such rules or policies.

[FishingGuy]

I have & have had all my credit cards delivered to a PO Box, it's essential..and the only way they can be received by me via standard US mail. 

In my town there is absolutely no mail delivery, so I provide a physical address AND a PO Box.   if the PO Box is not on the mail..... the mail does not get delivered, and often does not even get to the local PO Box.... physical address can only be used for Fedex or UPS deliveries.

It often is an issue, when applying and I often need to do a verbal verification or explanation.....  but this is common ( i think ) in some small towns or remote areas of the country.

[SUPERSQUID]

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@FishingGuy wrote:

I have & have had all my credit cards delivered to a PO Box, it's essential..and the only way they can be received by me via standard US mail. 

In my town there is absolutely no mail delivery, so I provide a physical address AND a PO Box.   if the PO Box is not on the mail..... the mail does not get delivered, and often does not even get to the local PO Box.... physical address can only be used for Fedex or UPS deliveries.

It often is an issue, when applying and I often need to do a verbal verification or explanation.....  but this is common ( i think ) in some small towns or remote areas of the country.

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I once had a summer home in a town upstate ny that had no mail delivery and i also had to have a p.o. box, i think the usps charged me a fee for the box twice a year. the p.o.boxes were in the post office.

at the time i did have a physical address for my main home in the city where there was mail delivery.

i have to imagine there is some way cc companies deal with p.o.boxes for the people who reside in those towns year round.

[NoMoreE46]

Banks/issuers are fine sending physical cards, statements, etc. to a PO Box if the customer notified the issuer of said address change to a PO Box.  If an account holder has changed their mailing address from a street delivery to a PO Box but failed to notify the issuer, that local post office has to refer to any of the Service requests the FI has paid for.  If you look at the upper end of the envelope of FI related letters, you should see one of three service requests printed for the PO to fulfill:

• Address Service Requested provides forwarding and address correction services when possible. If the mail is undeliverable and not forwardable, it is returned to the sender with the reason identified on the mailpiece.
• Change Service Requested provides address correction services without forwarding or return. If undeliverable, either the new address or the reason it is undeliverable is provided to the sender.
• Return Service Requested provides address correction services and always returns the piece.

Some PO offer street style addresses that disguise the PO Box, but that is a little off topic.  

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