bank requirements for relay

ash345

ash345

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Can a bank require you to provide a copy of your audiogram before taking relay calls? My bank told me this evening that before they can actually provide me with service over a relay call I have to provide them with not only my photo id at the branch, but also a copy of my audiogram... is this legal?
 
reason your security protect cause confidental because legal requires on permission your decision!
 
smithtr said:
reason your security protect cause confidental because legal requires on permission your decision!
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I get them requiring me to go in and tell them... hay... I am going to be using relay (which I have done) but requiring my audiogram? really? that seems a little over the top...
 
Banks have some really funny requirements that the Feds require them to follow. Just recently, I was told by my bank that I cannot have any more than a certain number of transactions on my savings account each month or they'll report it to the Feds. It's a Federal requirement now binding on all U.S. citizens. Ridiculous! It's something like 5 transactions a month. I have nothing to hide, but seriously, they'd report anyone making over that many transactions on their savings account a month?? Checking account is fine, apparently. Mind boggling. I wouldn't be surprised if they have some weird requirement regarding the audiogram, insulting as it is.
 
DeafBadger said:
B It's something like 5 transactions a month. I have nothing to hide, but seriously, they'd report anyone making over that many transactions on their savings account a month?? /QUOTE]

Dude, there is no possible way that could be true. If you get paid weekly, the transactions for deposit would be four(one for each check) alone. I think you are confusing this with someone who does a transaction over $50k.
And, if you look at the Madoff case, obviously the feds don't look too hard at that rule either. The Dude was withdrawing millions, much more than five times a month.

OP, I can't be sure, but I think you have been misinformed. If you call a bank using relay and they do not respond, you should raise it with the manager of the bank. I believe, relay is no different than any other call. Also, the bank should have a tty number as well.
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DeafBadger said:
Banks have some really funny requirements that the Feds require them to follow. Just recently, I was told by my bank that I cannot have any more than a certain number of transactions on my savings account each month or they'll report it to the Feds. It's a Federal requirement now binding on all U.S. citizens. Ridiculous! It's something like 5 transactions a month. I have nothing to hide, but seriously, they'd report anyone making over that many transactions on their savings account a month?? Checking account is fine, apparently. Mind boggling. I wouldn't be surprised if they have some weird requirement regarding the audiogram, insulting as it is.
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my other bank has had no problem with it... its just the bank that I needed to deal with today that wouldn't let me...
 
VacationGuy234 said:
Dude, there is no possible way that could be true. If you get paid weekly, the transactions for deposit would be four(one for each check) alone. I think you are confusing this with someone who does a transaction over $50k.
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My scanner isn't working right now, so I'm quoting from the letter I got from my credit union. Reading it again, it looks like the limitation does not apply if I'm there at the branch in person. But if I use web banking, which I usually do, then it applies.

Federal Regulation D (Reg D) places a monthly limit on the number of transfers or withdrawals you may make from your deposit accounts without being physically present at a branch location.

* Accounts that are subject to Reg D may include your savings and money market accounts. Checking accounts are not subject to a limitation.
* You are allowed six transfers or withdrawals per month, per account unless these transfers or withdrawals are done in person.
* Reg D is a federal regulation which all financial institutions must enforce.

It has come to our attention that you have exceeded the six allowed transfers or withdrawals in a savings or money market account(s). In the near future you will no longer be allowed to exceed this limit.
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That's the main part of the letter I got from my credit union in June 2011. And it's 6 transactions instead of 5. I was a little off, there.
 
ash345 said:
my other bank has had no problem with it... its just the bank that I needed to deal with today that wouldn't let me...
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That sucks. :( I don't think they should ask for audiograms.
 
ash345 said:
Can a bank require you to provide a copy of your audiogram before taking relay calls? My bank told me this evening that before they can actually provide me with service over a relay call I have to provide them with not only my photo id at the branch, but also a copy of my audiogram... is this legal?
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I'm from Canada so maybe this doesn't apply but...who the hell asks for an audiogram before taking your relay call? This is the first time I've ever heard of this. Can't be legal of your bank to require that. Do they understand they're not paying additional fees to take a call from you?
 
I don't think its legal either... I mean wells fargo just got sued for not taking relay calls... I guess 1st bank is on their way to it too... I'm pretty sure they know that they aren't getting charged any extra... so this is how it went down, start to finish.
call #1
I called, gave them my account info, she kept telling me my password was wrong... so she couldn't help me. I know I gave them the right password. She said, go into the branch with your photo id and have them change the password. d

Through out the day they called me not 1x, not 2x but 16 times. I do not understand on my cell... because I have been too lazy to switch the number to my relay number and just been not answering my cell. finally on the last time, there is a message left. My phone transcribes the messages for me... the message says, "your account has been a victim of fraud, we received a call from a relay service for the hearing impaired earlier today, please call us back at xxx-xxx-xxxx and we can tell you what steps need to happen from there. This person knows your ssn, your account number, even your password. Please call back immediately and we will help you fight this fraud."

So yes... apparently they think someone (me) who knows all the the information about me... and calls via a relay service... is a fraud. So after work closes, I decide the only way they will talk to me is my captioned phone at work... so I call and they tell me that they can not unfreeze my account (apparently that had put a freeze on it, so I can not use any card on the account... NOTHING... what if i needed gas?) until I go into a branch and bring a copy of my audiogram and my photo ID to prove that I need to use relay. WTF... really... oh and she kept using the term "hearing impaired" even after I told her that word was offensive, there is nothing wrong with me, I'm just deaf... So frustrating... So I have to go in today... there is nothing I can do about it... because I need gas tonight and they have locked down both of my accounts...

I think I might switch banks now...
 
Well, at least they're alert to the possibility of fraud! I hope you get it all straightened out.
 
Ash, that is *ridiculous* and I'm sorry they're putting you through that. :(

I hope you get it straightened out, and switch banks.
 
ash345 said:
I don't think its legal either... I mean wells fargo just got sued for not taking relay calls... I guess 1st bank is on their way to it too... I'm pretty sure they know that they aren't getting charged any extra... so this is how it went down, start to finish.
call #1
I called, gave them my account info, she kept telling me my password was wrong... so she couldn't help me. I know I gave them the right password. She said, go into the branch with your photo id and have them change the password. d

Through out the day they called me not 1x, not 2x but 16 times. I do not understand on my cell... because I have been too lazy to switch the number to my relay number and just been not answering my cell. finally on the last time, there is a message left. My phone transcribes the messages for me... the message says, "your account has been a victim of fraud, we received a call from a relay service for the hearing impaired earlier today, please call us back at xxx-xxx-xxxx and we can tell you what steps need to happen from there. This person knows your ssn, your account number, even your password. Please call back immediately and we will help you fight this fraud."

So yes... apparently they think someone (me) who knows all the the information about me... and calls via a relay service... is a fraud. So after work closes, I decide the only way they will talk to me is my captioned phone at work... so I call and they tell me that they can not unfreeze my account (apparently that had put a freeze on it, so I can not use any card on the account... NOTHING... what if i needed gas?) until I go into a branch and bring a copy of my audiogram and my photo ID to prove that I need to use relay. WTF... really... oh and she kept using the term "hearing impaired" even after I told her that word was offensive, there is nothing wrong with me, I'm just deaf... So frustrating... So I have to go in today... there is nothing I can do about it... because I need gas tonight and they have locked down both of my accounts...

I think I might switch banks now...
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Before switching, ask to the speak to the manager of your current bank and explain why you want to switch and do mention that Wells Fargo was sued for refusing to take relay calls. And file a formal complaint.

My bank and VISA refuses to take calls from people speaking on my behalf but never refused a relay call.
 
ok so talked with a branch manager, she was very upset that they basically refused to take my relay call, and that they asked for my audiogram. She has put a notation on my account that I can use relay calls... unfroze the account... and told me that if i need anything I can call her, not the 24 hour line. She apparently also had not heard of the case against Wells Fargo, and was very happy I told her about it, and cleared up some wording mistakes they were using... she was nice... but is it worth the hassel to stay with them?
I am still looking into switching banks... because I don't want the hassel of having to try and deal with them. My old credit union now allows me to deposit checks online, but I have no way of getting to the money unless I go to an atm... that is the only problem, and the closest one to me is about 30 minutes away... what to do what to do....
 
To me, if a company has apologized and taken steps to make it right, then I'd stay with them, absent any other compelling reasons to leave. If this bank is convenient to you and has the services you want, and you now have a real live person to contact in the event you need it, that all sounds pretty good in resolving the issue.
 
Yeah, don't underestimate the value of having a direct contact within the bank. Most people don't have that.

Glad to hear that it seems to be resolved.
 
USBank in Arkansas REFUSES to let me use relay for anything. I couldn't get much help from my lawyer or the advocacy service. Honestly I put this on the back burner but I do need to address it. It's wrong.
 
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