Touching back on this issue (I am the OP).
FICO score has NOTHING to do with this - mine is well over 800.
It IS the Patriot Act combined with using a legal domiicile of a mail forward address.
I joined Alliant Credit Union yesterday in preparation of a future RV loan. Today my on line access was blocked.
When I called I was transferred to the fraud department. As soon as I established myself as a full time RV traveler, with Escapees membership as the authorization to join Alliant Credit Union, and the legal domicile of a mail forward address, she knew the issue - and knew of the next of kin work around.
It was exactly as I stated in the first post on this thread. I will simply need to provide a next of kin letter so the credit union can comply with Patriot Act requirements.
Just because "some" have not had this issue "yet" does not mean it is not a real issue, and becoming more prevalent. If you established banking connections before the new requirements you were not affected. Going forward, when opening stock broker accounts, bank accounts, credit union account you very likely WILL BE.
The solution is simple, but you may have to educate those you deal with.
Older thread, same issue: http://www.rvnetwork.com/index.php?showtopic=112212&hl=+americas +mailbox&page=2
Folks, don't be so quick to tell people experiencing this issue that it does not exist!
, **** It's the CIP (Customer Identification Program) rule (31 C.F.R. 103.121), which is the regulation implementing Section 326 of the USA PATRIOT Act that requires a financial institution to get the following customer information (bottom of page 480 from PDF above):
(1) Name; (2) Date of birth, for an individual; (3) Address, which shall be: (i) For an individual, a residential or business street address; (ii) For an individual who does not have a residential or business street address, an Army Post Office (APO) or Fleet Post Office (FPO) box number, **********or the residential or business street address of next of kin or of another contact individual;************