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Moved to the US from the UK over a decade ago, my US-based bank still has my SSN as 000-00-0000.
by ckorhonen 3y ago
Moved to the US from the UK over a decade ago, my US-based bank still has my SSN as 000-00-0000.
- giantg2 3y agoWow. Most competent places have at least SSN format verification to weed out one's like this.
- Muromec 3y agoAnd what does an operator put into the system when hearing "I don't have one?". Yeah, this. This is on purpose.
- gumby 3y agoMy mobile phone account has a bogus number (not generated by me!) as my SSN. Fortunately I know what it is so can recite it on a call. Which is why I don't want them to have my SSN in the first place!
- Muromec 3y agoIt’s all fun and games until your bank reports something to the government under this SSN and it affects a person to whom its really assigned. Bonus points if “something“ has fiscal consequences for either of you. Seriously, this is not kind of shenanigans you want to be doing for no reason at all, simply because the reason would be invented by someone else.
- gumby 3y agoAs my original comment says I don’t do this for anything tax-ish (for the same reason you mention). But there is no reason a phone company need know my SSN. Or the pharmacy.
- giantg2 3y agoNot true at all. If it's a required field it should be valid. If it's not required, then null is the correct value.
- coolspot 3y agoI’am also a BofA client and can confirm - they use 000-00-0000 as an SSN when you don’t have one.
- thelittleone 3y agoCan open a BofA account without a TFN or SSN?
- coolspot 3y agoYes, if you say codewords along the lines “I have just arrived to the US and don’t yet have an SSN”. Worked for me.
- PrimeMcFly 3y agoMajority bank will specifically give you a bank account explicitly not requiring an SSN.
- Muromec 3y agoThat makes an unreasonable assumption that everybody across the whole industry is not just competent and can be trusted to have it together, but they also manage to achieve their important goals (which are not always having the cleanest code or architecture) using the same architectural dogmas as you do. One can define a datatype as FormattedValue | null, make a tuple of (value, present), have a special empty value or do all of that at once, because parts of the dataset were separately inherited during the merger.
- giantg2 3y agoI'm not saying it doesn't happen - I'm saying it's not the correct practice. When talking about financial services, this sort of garbage data could lead to compliance issues and financial penalties. Typically those mergers end up with remediation initiatives to at least ensure that all the invalid data is nulled out, or facilitate it's collection if it's critical.
- ahazred8ta 3y agoI was at a bank-related company. At least 2% of our clients' SSNs had typos. :-( Sadz.
- giantg2 3y agoWell, typos or bad data from the client is a little more difficult to handle than what is basically a regex form validation.
- EVa5I7bHFq9mnYK 3y agoFrom the client? All those typos come from bank clerks.
- giantg2 3y agoIt doesn't really matter who the typo comes from. It's going through a form in some computer system, any of which should have form validation.
- eek2121 3y agoAs far as I am aware, that SSN is technically possible. Years ago SSNs could be traced back to the state/location of birth by looking at the first few digits (mine is like that), but they were changed to be completely random a while ago.
- giantg2 3y agoEven if the first 3 were area codes, the others still make it invalid. https://secure.ssa.gov/poms.nsf/lnx/0110201035 https://secure.ssa.gov/poms.nsf/lnx/0110201035