Jump to content
  • Welcome to the TransPulse Forums!

    We offer a safe, inclusive community for transgender and gender non-conforming folks, as well as their loved ones, to find support and information.  Join today!

Could people mistake these issues for an attempt at identity fraud?


Dana Michelle

Recommended Posts

The other day I had a phone call with a bank about getting a home loan. I used my feminine voice, which I usually don't use since I still present as male. Near the beginning of the call, she did address me with a title and last name, but I couldn't hear well enough to tell if she said "Mister" or "Miss". Later when she introduced me to someone else, she referred to me with female pronouns. I don't know if my voice passed, or if she simply figured out that I was trying to present as female.

 

I'm kind of worried because I've been afraid they might think I am trying to commit identity fraud but using a voice that might sound fake and that they might discover my male name when searching my credit history. I didn't give them my male name or mention being transgender, but I did give them my social security number. I only recently changed my name and the letter from social security said it can take 4 weeks for them to update the records.

 

I hope that if my voice doesn't pass and if they discover my male name, that there is enough awareness about transgender issues these days that they would know what that means and not make an issue out of it.

 

Link to comment
  • Admin

If you have legally changed your name it should not be a problem.  If they question it, you need only present your name change document to them.  If you haven't legally changed your name, then you will have to straighten that out with them.  They likely will not put your preferred name on your loan docs if it is not legally changed. 

 

I have had one issue with my bank.  I took my certified court document to my branch and asked that they change my records.  The apparently transphobic manager said that their legal department wanted me to return to court to have it "re-certified."  My document was perfectly legal; they just wanted to put an obstacle in my way.  I made a complaint to HQ and went to a different branch, where the staff assisted me without question and were totally kind and supportive.  They accepted my court decree at face value.

 

So even with major institutions and national policies in place, we trans folk can still face problems, but those problems can be dealt with if we are persistent and strong and stand our ground.  I wish you luck. Dana.

 

Carolyn Marie

Link to comment
  • Forum Moderator
52 minutes ago, Dana Michelle said:

I'm kind of worried because I've been afraid they might think I am trying to commit identity fraud but using a voice that might sound fake and that they might discover my male name when searching my credit history.

If it was me, I wouldn't worry AT ALL.  You have have your name change court order filed away somewhere and no one can be committing fraud based on the sound of their voice.

 

55 minutes ago, Dana Michelle said:

but I did give them my social security number.

As a rule of thumb for myself, I never give those credentials out unless I initiated the call or unless I personally know the person and they need it for some valid reason.  If they called you it's not nearly as safe as there is so much Phishing going on these days and caller ID spoofing of numbers Is easy.  Most of this stuff is done from outside of your country so there no worries for them.  If a company called you and solicited your credentials, ask them for a return number to call them back...it's a little safer.

Link to comment
  • Forum Moderator
1 hour ago, Dana Michelle said:

The other day I had a phone call with a bank about getting a home loan. I used my feminine voice, which I usually don't use since I still present as male. Near the beginning of the call, she did address me with a title and last name, but I couldn't hear well enough to tell if she said "Mister" or "Miss". Later when she introduced me to someone else, she referred to me with female pronouns. I don't know if my voice passed, or if she simply figured out that I was trying to present as female.

 

I'm kind of worried because I've been afraid they might think I am trying to commit identity fraud but using a voice that might sound fake and that they might discover my male name when searching my credit history. I didn't give them my male name or mention being transgender, but I did give them my social security number. I only recently changed my name and the letter from social security said it can take 4 weeks for them to update the records.

 

I hope that if my voice doesn't pass and if they discover my male name, that there is enough awareness about transgender issues these days that they would know what that means and not make an issue out of it.

 

 

I wouldn't worry about it. I had that same conversation with a loan officer using my female voice. I hadn't changed my name yet, so I had to explain why I was indeed (boy name) and wanted to proceed with the transaction. I was presenting female full time when the call occurred and my brain just would not let me slip back into more masculine tones. It was actually fun for me because it was a great real-world test of my feminine voice. The officer was super confused at first as to why (boy name) sounded like a woman, but we straightened the whole thing out.

 

The big deal is to make sure you tell all your creditors when you change your name. So long as you're not trying to misrepresent yourself, it's all good.

 

Hugs! 

Link to comment
9 hours ago, Susan R said:

As a rule of thumb for myself, I never give those credentials out unless I initiated the call or unless I personally know the person and they need it for some valid reason.  If they called you it's not nearly as safe as there is so much Phishing going on these days and caller ID spoofing of numbers Is easy.  Most of this stuff is done from outside of your country so there no worries for them.  If a company called you and solicited your credentials, ask them for a return number to call them back...it's a little safer.

Actually, I entered my social security number on their website first then later called them on the phone. My SSN didn't come up during the call but they could probably look it up from my online application. I did make sure to look closely at the URL to make sure it is the name of the bank.com, and went to the Wikipedia for the bank then checked under external links to make sure that is the domain name for the bank.

Link to comment

I am not worried about criminal charges or anything, but I am a little worried that I could be denied a loan if they suspect fraud. I got a letter that mentioned they could not find a credit history. Maybe it is because I have not yet changed my name with the bank or on my credit card, but I think they would search based on social security number rather than name, since many people have the same first and last name. Even though I changed my name, my SSN is still the same. I even just got my new social security card in the mail less than an hour ago: same number, just a new name.

On 11/24/2019 at 11:55 AM, Jackie C. said:

The officer was super confused at first as to why (boy name) sounded like a woman, but we straightened the whole thing out.

Did everything go OK once you straightened it out?

Link to comment
  • Forum Moderator
1 hour ago, Dana Michelle said:

Did everything go OK once you straightened it out?

 

Absolutely. He made a note in my file and I sent them copies of the paperwork as soon as everything was official. Didn't affect my eligibility in the slightest.

 

Hugs!

Link to comment
47 minutes ago, Jackie C. said:

 

Absolutely. He made a note in my file and I sent them copies of the paperwork as soon as everything was official. Didn't affect my eligibility in the slightest.

 

Hugs!

Good to hear.

Link to comment
  • 1 year later...

Well, I do not know about the bank issue as much as some of the vendors can be a little weird. Recently I started out buying my new wardrobe at Old Navy. I ordered using the name I have chosen, and when it came time for the billing, I had to use my male name. They put a hold on a few orders. It was a pain in the rump. I have since ordered a new credit card and added the new "me" as Katie on my credit card account. 

 

It will be more interesting when I go to have all of my records including professional degrees changed to reflect my new name. Now when I contacted a surgeon for a consultation to get an idea of the surgeries I would face, I was astounded. The surgeon called me on my cell phone and discussed my background and setting me up with a consultation. I was absolutely amazed. 

 

Link to comment

I haven't gotten a legal change yet (for reasons) but for buying online my dead name pays the bills, and it get's delivered to Jandi.

Link to comment

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Who's Online   3 Members, 0 Anonymous, 124 Guests (See full list)

    • Abigail Genevieve
    • Betty K
    • Ashley0616
  • Recently Browsing   0 members

    • No registered users viewing this page.
  • Forum Statistics

    • Total Topics
      80.7k
    • Total Posts
      768.5k
  • Member Statistics

    • Total Members
      12,029
    • Most Online
      8,356

    Selkimur
    Newest Member
    Selkimur
    Joined
  • Today's Birthdays

    1. BraxtonLee
      BraxtonLee
      (26 years old)
    2. Bryanna
      Bryanna
      (45 years old)
    3. Jayde1
      Jayde1
    4. Mireya
      Mireya
      (66 years old)
    5. Shellianne_Kay83
      Shellianne_Kay83
      (41 years old)
  • Posts

    • Mirrabooka
      Voting is compulsory here, for better or worse. Would doing the same in the US snap people out of their apathy?
    • Abigail Genevieve
      I am noting you use CRT terminology.  The comment is not out of the blue.  Some of your remarks on religion suggest atheism.  So it is believable that you are a Marxist, knowingly or not.  Are you?
    • RaineOnYourParade
      Congrats to your family on the new addition!
    • RaineOnYourParade
      Funny you think that I would be able to get through more than two sentences with how bad my stutter gets (joking, of course)   My topic would probably be mythology, random Japan factoids in my mind, or a favorite story   (Best option would be a fave story of mine including a lot of factoids on Japanese myths-)
    • Willow
      Congratulations @ivy. Nothing beats a family growing two feet at a time!
    • April Marie
      I read each of your entries and learn so much. Thank you, especially, for the TransCentralPA info. I have been looking fora group and activities where I could express myself safely and with support. I missed this year's conference but next year might be possible and I am going to look at their other events, too.
    • April Marie
      Leadership and Management, the differences and similarities between the two as well as the applications of military leadership principles across the spectrum of professions.
    • Abigail Genevieve
      I have read numerous accounts of trans folk no longer being welcome among evangelicals.   I am here for help and fellowship not to rebuke anyone.  I can take a pretty high degree of insult, etc., and you haven't insulted me, to my recollection anyway :) and I usually let it go.  But I thought I would let it all out there.   I am sure I disagree with you on numerous issues.  I appreciate other people's viewpoints, including those who radically disagree with me.  Intellectual challenge is good. One thing I appreciate about @MaeBe.
    • Abigail Genevieve
      Congrats!
    • Sally Stone
      Post 8 “The Ohio Years” We moved to Pittsburgh because of the job with US Airways.  The job involved classroom instruction and simulator training, but no actual flying, so I kept looking for an actual pilot position.  A year after signing on with US Airways I got hired to fly business jets.  The company was located in Cleveland, Ohio, but I was flown commercially from my home in Pittsburgh to where my aircraft was located, making it unnecessary to live near company headquarters.    My flight scheduled consisted of eight days on duty with seven days off.  Having seven days off in a row was great but being gone from home eight days in a row was difficult.  For the first few years the flying was fun, but after a while the eight flying days in a row, were taking their toll on me.  Those days were brutal, consisting of very long hours and a lot of flying time.  Usually, I came home exhausted and need three days just to recover from the work week.  Flying for a living is glamorous until you actually do it.  Quickly, it became just a job.    After five years as a line captain, I became a flight department manager, which required we live near company headquarters.  That meant a move to Cleveland.  Working in the office meant I was home every night but as a manager, the schedule was still challenging.  I would work in the office all week and then be expected to go out and fly the line on weekends.  I referred to it as my “5 on 2 on” schedule, because it felt as though I had no time off at all.   About the same time, we moved to Cleveland, my wife and I became “empty nesters,” with one son in the military and the other away at college.  Sadly, my work schedule didn’t leave much time for Sally.  Add to the fact that while Cleveland is an awesome city, I just never felt comfortable expressing my feminine side.  Most of my outings, and believe me there weren’t enough, occurred while I was on vacation and away from home.   One of the most memorable outings occurred over a long weekend.  I had stumbled across an online notice for a spring formal being held in Harrisburg, Pennsylvania, hosted by a local trans group there.  I reached out to Willa to see if she was up for an excellent adventure.  She was, so I picked her up and we drove to Harrisburg together.    The formal was held on Saturday evening and we had the absolute best time.  It turned out that organizers were a group named TransCentralPA.  Everyone was wonderful and I made a lot of new friends that evening.  We learned the spring formal was one of the group’s annual events but for the following year, instead of a spring formal, the group wanted to do a local transgender conference.  That local conference would become the Keystone Conference, and I would attend every year for the next 12.  My move to the west coast was the only reason I stopped attending annually.  I went to the first annual Keystone Conference as an attendee, but in subsequent years I served as a volunteer and as a workshop presenter; more about those in the next installment.   For my Cleveland years, the Keystone Conference would be my major outlet for feminine self-expression.  Yes, I did get out on other occasions, but they were too infrequent.  The managerial job just didn’t allow me the freedom I needed to adequately live my feminine life, and my frustration level was slowly, but steadily on the rise.  It amazed me how adversely not being able to express the feminine half of my personality was affecting my happiness.   However, a major life change was upcoming, and while it would prove to be a significant challenge in many ways, the events would ultimately benefit my female persona.  First, my mom and dad got sick.  They were in and out of the hospital and required personal care.  My wife and I did our best but living in Cleveland, we were too far from them to give them the support they both needed.  Second, I was experiencing serious job burn out.  I decided I need to find another job and I needed to be closer to my parents.    Things changed for the better when I got hired by an aviation training company as a flight simulator instructor.  I would be training business jet pilots.  The training facility was located in New Jersey, which put us much closer to my parents, and the work schedule was much better for quality of life.  Most importantly, this life change would help Sally re-emerge and once again flower.    Hugs,   Sally       
    • Mmindy
      I made a living talking about bulk liquids in cargo tanks transportation as a driver and mechanic. Safe loading/unloading, cleaning and inspecting, as well as emergency response scenarios.   Hazmat and fire behavior in the fire service as well as emergency vehicle operations and safe driving. "It was on fire when they called you. It will be on fire when you get there." Arrive ready to work. I could also talk about firefighter behavioral  heath and the grieving process.   The real fun thing is I can do this for people who are not Truck Drivers or Fire Fighters. Girl Scouts, Boy Scouts, Citizen Tax payers about Public Safety Education.   I love public speaking,   Mindy🌈🐛🏳️‍⚧️🦋
    • Mmindy
      Congratulations to the mom and family @Ivy on the addition of another child.   Hugs,   Mindy🌈🐛🏳️‍⚧️🦋
    • MaeBe
      Congrats to you and yours!
    • Ashley0616
      YAY! Congratulations on a granddaughter!
    • Ashley0616
      I recommend CarComplaints.com | Car Problems, Car Complaints, & Repair/Recall Information. A lot of good information
  • Upcoming Events

Contact TransPulse

TransPulse can be contacted in the following ways:

Email: Click Here.

To report an error on this page.

Legal

Your use of this site is subject to the following rules and policies, whether you have read them or not.

Terms of Use
Privacy Policy
DMCA Policy
Community Rules

Hosting

Upstream hosting for TransPulse provided by QnEZ.

Sponsorship

Special consideration for TransPulse is kindly provided by The Breast Form Store.
×
×
  • Create New...