Verified ID for Justine?

[rvwnsd]

I doubt that you can open a bank account with the information that RM requires...

 

Most financial institutions' CIP (Customer Information Program) policies require two forms of identification. These are called "primary" and "secondary." Primary is typically a government-issued photo ID card, such as a driver's' license, state ID card, passport, passport card, and in some areas a tribal ID. Secondary can be a credit card, or one of the primary forms of ID that was not used as primary. For example, a customer could present a driver's license as primary ID and a passport card as secondary. Many institutions subscribe to one of the applicant verification services that check the Social Security Administration's database to determine whether the SSN is associated with a deceased person, the driver's license against DMV records (i.e., is it valid?), and the applicant's stated address to determine whether it is valid and whether the person actually lives there (based on a number of factors, including credit bureau information, US Postal Service records, DMV information, etc). However, many financial institutions will open an account with a government-issued ID and a credit card. Apparently, those are the very same documents that Rentmen is checking.

 

...but that's not the point, is it? Don't use the word "verification" if it means nothing such.

...

There are different types of verification, based on the transaction. There's nothing to say that Rentmen doesn't run a verification service on an ID before deeming it verified. Verifying an ID means that the person who placed the ad matches the person whose ID was presented. Any one of us could place an escort ad using our own ID and credit card. If someone else shows up to the appointment, Rentmen has no control over that. For that matter, regardless the level of verification a financial institution performs, there is nothing to say the applicant, upon becoming a customer, can't and won't allow someone else to conduct transactions using the account. It is the financial equivalent of someone else showing up to the appointment.

 

Sorry to disagree. You cannot legally open a bank account, credit union account or a credit card using only photocopied identification....

 

The operative word here is "legally." With the right tools you could create a fake ID by copying it and pass it off as a legitimate ID.

 

...Rent-men makes no attempts to verify identification presented by advertisers. ...

How do you know this?

[coriolis888]

 

cut -

 

There are different types of verification, based on the transaction. There's nothing to say that Rentmen doesn't run a verification service on an ID before deeming it verified. Verifying an ID means that the person who placed the ad matches the person whose ID was presented. Any one of us could place an escort ad using our own ID and credit card. If someone else shows up to the appointment, Rentmen has no control over that. For that matter, regardless the level of verification a financial institution performs, there is nothing to say the applicant, upon becoming a customer, can't and won't allow someone else to conduct transactions using the account. It is the financial equivalent of someone else showing up to the appointment.

 

The operative word here is "legally." With the right tools you could create a fake ID by copying it and pass it off as a legitimate ID.

 

How do you know this?

 

 

The portion of my post you are answering was my response to the member who stated "Holding RentMen to higher standards than your local credit union is a very hilarious and unachievable proposition."

 

Now, let me respond to your post. If someone were, "With the right tools - - create a fake ID by copying it and pass it off as a legitimate ID." the fraudulent identification would be caught by systems in place used by banks and credit unions and credit card issuers.

 

Rentmen does not have access to the sophisticated type of equipment used by banks and others to "verify" identification and/or photos. Among other things, the process would be cost prohibitive to rentmen.

 

Another issue that makes many clients unhappy is rentmen's policy concerning negative reviews received by escorts. In most cases, when an escort receives a negative review on rentmen, that negative review usually gets posted to the escort's account then, within days, the negative review vanishes from the escorts profile.

 

When negative reviews disappear and no longer show on an escorts profile, a false sense of assurance is afforded the escort. That is why you often see comments in the forum concerning negative reviews or positive reviews on rentmen, being useless.

 

There have been countless posts made on this forum complaining about disappearing negative reviews.

 

Regarding stolen and "verified" photos shown on rentmen ads, I had occasion to contact rentmen concerning stolen photos. I provided rentmen confirmation that more than one escort was using the same photos. Rentmen did nothing about the dual photos except to send me the following message:

"Hi,

We have researched this advertiser in the past. I can say, that he has

received 2 positive reviews & numerous clients have given him a membership

gift. Which leads me to believe he must be doing something right, to have

the number of admirers he has currently.

 

We will continue to monitor & appreciate your feedback.

 

Take Care,

Web Admin"

 

To this day, the same photos are still used by two different escorts who do not know each other and who live in different parts of the U.S. One of the escorts (the one with the real photos) I personally know.

[rvwnsd]

Technically this is also how you open fraudulent bank accounts and a variety of other accounts as well. If someone with the skills wanted to, you can pretty much do anything. Holding RentMen to higher standards than your local credit union is a very hilarious and unachievable proposition.

Given a poster questioned Kurtis's statement about the standards by which a credit union would be measured, I thought it would be helpful to provide a few excerpts from the Federal Financial Institutions Examination Council's BSA/AML Examination Manual.

 

Here's what it says about a CIP program:

 

"Customer Information Required The CIP must contain account-opening procedures detailing the identifying information that must be obtained from each customer.45 At a minimum, the bank must obtain the following identifying information from each customer before opening the account:

 

• Name.

• Date of birth, for individuals.

• Address.

• Identification number.

 

Based on its risk assessment, a bank may require identifying information in addition to the items above for certain customers or product lines."

 

As you can see, there is minimal information required by law to open a bank account. A large institution, such as Bank of America or Chase, would have a different risk profile than a community credit union, given the differences in size and in the potential complexity of the institutions' respective customer relationships.

 

The manual goes on to address verification:

 

"Customer Verification

 

The CIP must contain risk-based procedures for verifying the identity of the customer within a reasonable period of time after the account is opened. The verification procedures must use “the information obtained in accordance with [31 CFR 103.121] paragraph (b)(2)(i),” namely the identifying information obtained by the bank. A bank need not establish the accuracy of every element of identifying information obtained, but it must verify enough information to form a reasonable belief that it knows the true identity of the customer. The bank’s procedures must describe when it will use documents, nondocumentary methods, or a combination of both.

 

Verification Through Documents

 

A bank using documentary methods to verify a customer’s identity must have procedures that set forth the minimum acceptable documentation. The CIP rule gives examples of types of documents that have long been considered primary sources of identification. The rule reflects the federal banking agencies’ expectations that banks will review an unexpired government-issued form of identification from most customers. This identification must provide evidence of a customer’s nationality or residence and bear a photograph or similar safeguard; examples include a driver’s license or passport. However, other forms of identification may be used if they enable the bank to form a reasonable belief that it knows the true identity of the customer. Nonetheless, given the availability of counterfeit and fraudulently obtained documents, a bank is encouraged to review more than a single document to ensure that it has a reasonable belief that it knows the customer’s true identity. For a “person” other than an individual (such as a corporation, partnership, or trust), the bank should obtain documents showing the legal existence of the entity, such as certified articles of incorporation, an unexpired government-issued business license, a partnership agreement, or a trust instrument.

 

Verification Through Nondocumentary Methods

 

Banks are not required to use nondocumentary methods to verify a customer’s identity. However, a bank using nondocumentary methods to verify a customer’s identity must have procedures that set forth the methods the bank will use. Nondocumentary methods may include contacting a customer; independently verifying the customer’s identity through the comparison of information provided by the customer with information obtained from a consumer reporting agency, public database, or other source; checking references with other financial institutions; and obtaining a financial statement. "

 

So, a bank could fulfill the CIP requirements by accepting a copy of a government-issued ID and contacting the customer to verify information.

 

If you would like to read more, follow this link.

[coriolis888]

Given a poster questioned Kurtis's statement about the standards by which a credit union would be measured, I thought it would be helpful to provide a few excerpts from the Federal Financial Institutions Examination Council's BSA/AML Examination Manual.

 

So, a bank could fulfill the CIP requirements by accepting a copy of a government-issued ID and contacting the customer to verify information.

 

If you would like to read more, follow this link.

 

 

Thank you for the CIP information you presented which is NOT being disputed.

 

"So, a bank could fulfill the CIP requirements by accepting a copy of a government-issued ID and contacting the customer to verify information." -

 

This is true.

 

However, in the example from Kurtis, a government issued ID would NOT be presented. A fake ID would be presented. See the prior post that prompted the post by Kurtis.

 

In this instant case, a fake ID was the subject of the original post. Computer systems that are in place by banks and other agencies would catch any fraudulent identification and account. Plain and simple.

 

Rentmen does not have access to the computer systems used by financial institutions and cannot verify, with meaning, any identification.

[jimboivyo]

you guys have too much time to dissect minuta

[coriolis888]

-

 

Now a better question would be, what are you wanting RentMen to do about it?

 

 

-

"Now a better question would be, what are you wanting RentMen to do about it?"

 

 

I don’t want rentmen to do anything about it. I don’t agree with rentmen’s policies but I am not one of the owners and I have no input relative to how they run their business.

 

There are many interesting escort advertisements on the rentmen site. However, I find it disappointing that we clients cannot believe a major portion of statistics and/or photos included in those ads.

 

Over time, I learned that the so-called “verifications” of photos and identification are misleading for reasons already discussed above in earlier posts and discussed by others forum users in other threads on this forum.

 

I also learned that escort reviews on rentmen generally vanish from an escort’s profile within a few days if the review is not complimentary of the escort.

 

Excellent reviews remain on an escort’s profile but negative reviews disappear. That policy begs the question - what is the point of writing a negative review of an escort if that negative review disappears shortly after it is posted to the escort’s profile?

 

Clearly, with the above policies in place, clients get a false sense of comfort from ads that show the markings of verification and those that have lots of favorable reviews (while negative reviews are removed or hidden).

 

In the meantime, I will do my "due diligence" searching through the rentmen site for escorts while ignoring the “verifications” and the reviews.

[coriolis888]

 

So you mean I can ignore your ramblings as follows::Good to know. tl;dr;

 

 

Real classy response!

[coriolis888]

 

What I don't understand is why you would state its not your place yet go on with a lengthy response about what's wrong and in earlier postings hint at what should be done. Hypocritical much?

 

 

“What I don't understand is why you would state its not your place yet go on with a length response about what's wrong and in earlier postings hint at what should be done. Hypocritical much?”

 

It is not my place to change rentmen - I am not an owner there, as I said.

 

I explained about the complaints that many of us forum users have about the unreliability of many ads that appear on rentmen. That is “hypocritical”?

 

The complaints I and many other forum users have expressed about rentmen are in connection with the false sense of security rentmen affords clients. This is when rentmen claims that identification is “verified” and/or photos have been “verified” when no meaningful verification takes place.

 

The disappearance of negative reviews from escort profiles is another issue that many on this forum have noticed and distrust about rentmen.

 

I realize that you are involved with rentmen and that your ads appear on many pages of that site. My criticism does not mean that YOUR ads are misleading.

 

Nonetheless, I don’t think it is becoming of you to insult a forum member because that member made criticism against a company from where you (by advertising) derive a large portion of your income.

 

Previously, when I read your posts made to this forum, I thought of you as a pleasant and charming individual. However, your responses to my posts concerning rentmen shows an entirely different side of your personality.

 

It would be nice to see you revert back to the way you were prior to focus being applied to the rentmen issues.

[jimboivyo]

If you're gonna piss and moan endlessly about something, just call it what it is

 

own your shit, basically, is what Kurtis is saying.

[Wiley1]

I started this thread. I wonder if someone can take it down. We have all the information that we need.