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Vent about changing name on accounts after marriage...

bmo88bmo88 member
500 Comments Fourth Anniversary 250 Love Its Name Dropper
edited May 2015 in Money Matters
Sorry, it's Monday and I am just super annoyed.

I really wish changing your name after marriage didn't have to be so darn complicated. You think it is easy by just going to the SSA and then DMV, but no, you have to change it on every account you have ever had. They require copies of the marriage license, SS card, ids, account statements, signed notarized letters and even medallion signature guarantees!!

This chart pretty much sums it up:

image

My particular gripe is that I have an account with Vanguard that I would like to start contributing to (I had rolled it over from a previous employer). But in order to do so I have to change my name on it so it matches my bank account (which has my married name). So I had to acquire a medallion signature guarantee(biggest pain in the ass and had to go to 3 banks to find a person), then mail it to them.

First time, I only got a notary signature because I didn't even know what a medallion signature was and the bank wasn't sure either. Then, second time, found the right person, but they used blue ink (instead of black), so they rejected it signature. This time, they have received the forms, but are taking forever to process it. 

I am so over this, I just want to contribute to my retirement for goodness sake!! Ugh, I have been married almost 2 years and still haven't changed my name on all my accounts...and this isn't motivating me to do so.

Sorry, vent over. Anyone else have a difficult time updating all of their accounts?
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Re: Vent about changing name on accounts after marriage...

  • I didn't change my name, but so many of my customers complain about the process. I know it can be frustrating, but finance is an industry that is so heavily regulated, and the onus is on the bank to know the customer and ensure due diligence in processing a name change. A medallion stamp shouldn't have been that hard to come by, though. How annoying.
  • This is exactly why I didn't change my name.  And I agree with @Mustard76 , a medallion stamp shouldn't have been that hard to come by. 
  • WulfgarWulfgar member
    500 Comments 100 Love Its Second Anniversary Name Dropper
    I didn't make my wife change her name, I saw how much of a hassle it was with my ex and then she changed her name back.  It was also just hyphenated.  It is easier to just have both keep their own names.
  • Hmmm I guess other than all the waiting in line and multiple repeats to customer service people on how to spell my new, complicated last name, I didn't have too much trouble. Honestly, I thought it was a little disconcerting how I just told the pharmacist that my name had changed and they made the change on the spot without any proof or id... maybe that's part of the charm of a neighborhood pharmacist?

    Good luck getting it all sorted out!
  • I didn't have too much trouble with the initial round of stuff. It was the little things I forgot about until later that bit me in the butt. The worst was my frequent flyer miles with JetBlue that were stuck in limbo for quite a while. My PayPal account is also still flagged since I refuse to show them my SS card, but seems to still let me perform most functions.

    I feel you though on medallions. They are such a pain! My mom and I both needed one done for her to transfer stocks to me, and we literally had to have her join my credit union to accomplish it.
  • I guess I had an easy time as well. The only issue I had was that I had just started a new job and they needed to verify my social security number. I didn't have my new card and my boss couldn't understand why I didn't have my old card...
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  • hoffsehoffse member
    Sixth Anniversary 2500 Comments 500 Love Its Name Dropper
    edited May 2015
    I changed my name, but it got confusing because my maiden name was VERY close to H's last name.  I wasn't planning on changing my name, but our names were so close that it just confused people.  So I changed it about 6 months after we got married to make it easier in a professional setting where H and I would be introducing each other. 

    Example of how close our names were.... if my maiden name had been Sharp his would be Sharpmann.  Yes, you just took my maiden name and added "mann" to the end of it (with two "n's" which nobody ever sees), and that's how you got my married name.  For years I have heard jokes about how I "got my man."  Ha. Ha.  Seriously.  I ended up dropping my maiden name entirely because it would have sounded so dumb to be "Sharp Sharpmann."  Oh well.  At least my monogram didn't change?  So I didn't have to buy new stationery when I got married.  Small victories.

    Anyway our names were so close that the social security office honestly mixed it up the first time.  Then they spelled my new last name with one "n" and I had to get it corrected. For me the most annoying part is that I went from a last name that was never misspelled to a last name that is always misspelled.  I've been married for two years, and maybe 10% of the people I work with spell it correctly, even though they see my name on emails all the time.  My name got misspelled on a shower invitation recently that my MOTHER proofed... and she didn't notice.  

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  • I didn't have any issues, but I didn't want to change my name ever again after I was married the first time and then changed my last name back after the death/divorce situation.  Little did I know that I would get married again not to long after that.  When it got close to the wedding day I decided to go ahead and change it all again because I new I would have kids with DH and I wanted us all to have the same last name.
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  • It took me one day to get most things changed over, honestly work was the hardest thing.  They litterally have no way of changing my email address, so I still, 3 years later, continue to send e-mail from an address with my maiden name, it confused more than a few people when I was applying for an internal position. 

    I have some minor things that still come-up that haven't been changed. I'll deal with them eventually. 
    Me: 28 H: 30
    Married 07/14/2012
    TTC #1 January 2015
    BFP! 3/27/15 Baby Girl!! EDD:12/7/2015
  • edited May 2015
    I feel you--it was a pain! I was undecided for several months after getting married but finally decided to just go for it (my dad was very unhappy with that choice but oh well).

    I had issues too, most of which were related to the fact that adding my husbands last name caused my full name to no longer "fit" on my SS card, so I had to drop one of my middle names to make it all work, which then caused a whole domino effect of confusion with other organizations. At work I still go by maiden name because I couldn't change my email and it just left people confused when I tried to update it so I gave up.

    I also have multiple citizenship, and honestly found it fairly easy (albeit annoying) to update most of my US and UK info. My Brazilian info though? That was a nightmare, and my Brazilian documents like my passport all still show my full maiden name. In order to renew my BR passport (which had expired) and change the name on it, I had to produce documentation that either didn't exist (like a birth certificate from that country, even though I was born in the US and only have a birth registration card) or that could only be attained in person in Brazil (now, how I'm supposed to get those documents without having a valid passport to get into the country is beyond me. Even the guys at the consulate couldn't figure it out). So after months of dealing with red tape I just renewed my passport with my maiden name--found out later that it's fairly common, but I figure next time I go visit family I can try to sort through it all.

    Sorry didn't realize how long that got---long story short, I feel your pain!
  • cbee817cbee817 member
    Ancient Membership 250 Love Its 500 Comments Name Dropper
    I never changed mine- DH knew I wasn't going to and he doesn't care. The girls have his last name and they know my last name.. when people at their school call me, Mrs. DH's last name, I answer it and don't correct anyone. The only thing that was strange was when we bought our house, the mortgage people couldn't believe we were married (even though we had wedding rings on) so we had to show them our marriage license. 
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  • Sorry you are going through that. My banks make it easy for me. I just had to show them a copy of my marriage license and my updated photo ID which to me makes sense to have to show those documents. My credit cards made it super easy, just a phone call.
  • @Wulfgar I hope that was just a poor choice of words and that you couldn't really "make" your wife change her name. No one idividual should have control over the other person's choice to do so or not.
  • Lol, I have to admit.  I have always PLANNED on changing my maiden name to my DH's last name, but have still not done it because of what a hassle it will be.  And we got married almost two years ago!  Heck, I'm just complaining about going to both the SS office and the DMV.

    Oh!  But it has to be on different days because the DMV, at least where I live, needs me to wait at least 24 hours for SS to do whatever they do.  So, basically, I have to take TWO half days off from work JUST to change my name and get a new ID/driver's license.

    Just to add to the fun, although I have a copy of my marriage license, I was never given the original.  I assumed it would be mailed to me, but I guess not.  I got married out of state so, to get an original, I need to pay a fee and send a notarized letter.  So aggravating.

    I know I really just need to bite the bullet and get it all done.  It's not like putting it off makes it easier, lol.

       

  • Lol, I have to admit.  I have always PLANNED on changing my maiden name to my DH's last name, but have still not done it because of what a hassle it will be.  And we got married almost two years ago!  Heck, I'm just complaining about going to both the SS office and the DMV.

    Oh!  But it has to be on different days because the DMV, at least where I live, needs me to wait at least 24 hours for SS to do whatever they do.  So, basically, I have to take TWO half days off from work JUST to change my name and get a new ID/driver's license.

    Just to add to the fun, although I have a copy of my marriage license, I was never given the original.  I assumed it would be mailed to me, but I guess not.  I got married out of state so, to get an original, I need to pay a fee and send a notarized letter.  So aggravating.

    I know I really just need to bite the bullet and get it all done.  It's not like putting it off makes it easier, lol.

       

    In my state, they claimed to require a 24 hour wait after the SS visit but in practice changed my license right away, no questions asked. SS gives you a little printout that you can show.
  • Thanks, @Xstatic3333.  I'll try that then.

    This is how naïve I was.  I went to the DMV a few months after we got married...I had to go anyway...and brought my little ole' copy of my marriage certificate to change my name and get a new driver's license.  I was promptly told how mistaken I was.  Looking back, it was probably a funny conversation:

    DMV:  Oh, no.  First you need to change your name with Social Security.

    Me:  Okay.  Do I write to them or something and send them a copy of my marriage certificate?

    DMV:  No, you have to go to their office.

    Me (incredulously):  Their office?!?  There's a Social Security office in New Orleans?  (No idea SS even had local offices, lol)

  • Lol, I have to admit.  I have always PLANNED on changing my maiden name to my DH's last name, but have still not done it because of what a hassle it will be.  And we got married almost two years ago!  Heck, I'm just complaining about going to both the SS office and the DMV.

    Oh!  But it has to be on different days because the DMV, at least where I live, needs me to wait at least 24 hours for SS to do whatever they do.  So, basically, I have to take TWO half days off from work JUST to change my name and get a new ID/driver's license.

    Just to add to the fun, although I have a copy of my marriage license, I was never given the original.  I assumed it would be mailed to me, but I guess not.  I got married out of state so, to get an original, I need to pay a fee and send a notarized letter.  So aggravating.

    I know I really just need to bite the bullet and get it all done.  It's not like putting it off makes it easier, lol.

       

    If it makes you feel any better my mom has been married to my dad for 35 years and she only recently officially got her name changed (like maybe 3 years ago?). She had been going by my dad's name socially since they got married in the early 80s, but never bothered to change her SS card (her drivers license, bills etc are all under her married name. Back in the day they were apparently more lax about that stuff).

    She had gone to renew her driver's license and they required her to bring in proof of identity but since the names didn't match they wouldn't let her renew her license. I went down with her to the SS office and you should have seen the look on the clerk's face when we told her we were there to change my mom's name--30+ years after the fact! :)
  • @TravelJunkie1234, that is hilarious!  I love it.  And I have been using his name socially.  In fact, my mom...MY MOM...who knows I haven't officially changed my name, wrote us a check for our Christmas present to "Shortnsassy husband's last name and husband first and last name".  We also had some wedding checks written that way.  Luckily, my bank has been pretty cool about processing checks written that way, since my husband is on that account as well...even though my name is still my maiden name.  As an aside, my mom wasn't sending me any hint, I know she just forgot I haven't changed it yet.

    It's so cute, too.  She adores my husband's last name.  His last name is also a word that corresponds to one of her favorite activities.  Like, if she loved to garden, and his name was Gardner.

    Not so much name related, but I had an ex-BF whose mother was born in Costa Rica and married an American.  She lived in the USA for 20 years and never applied for citizenship...until she took a trip back home, there was some tangle with her paperwork, and it took an extra week to get it untangled before she could come back to the US.  She made sure to get her U.S. citizenship after that! 

  • bmo88bmo88 member
    500 Comments Fourth Anniversary 250 Love Its Name Dropper
    Mustard76 said:

    @Wulfgar I hope that was just a poor choice of words and that you couldn't really "make" your wife change her name. No one idividual should have control over the other person's choice to do so or not.

    Mustard76: I am pretty sure he didn't mean it the way you are interpreting it...

    Overall, most companies have made the process pretty easy to change my name, it's just a handful that have been difficult. I did decide to keep my maiden name as my middle name, so that does cause occasional confusion though. Places often think I have two last names now... 
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  • Thanks, @Xstatic3333.  I'll try that then.

    This is how naïve I was.  I went to the DMV a few months after we got married...I had to go anyway...and brought my little ole' copy of my marriage certificate to change my name and get a new driver's license.  I was promptly told how mistaken I was.  Looking back, it was probably a funny conversation:

    DMV:  Oh, no.  First you need to change your name with Social Security.

    Me:  Okay.  Do I write to them or something and send them a copy of my marriage certificate?

    DMV:  No, you have to go to their office.

    Me (incredulously):  Their office?!?  There's a Social Security office in New Orleans?  (No idea SS even had local offices, lol)

    This reminds me! the DMV lady basically had me in tears before I left when I went to change my name. I went in their planning to change my name from First Middle Maiden to First Middle Maiden H's Name...thinking I wanted to take my maiden name as a second middle name because if I hyphenated I'd have a last name that was 16 characters long and would just seem a little ridiculous. My mom did it when she married, no problem. apparently the rules have changed and you're only allowed one middle name, so by the time I got up for the picture and she broke this news to me and instructed me to cross out one name or get to the back of the line, I just lost it. I can go to an appeals court and appeal to have my name changed to what I wanted...I've not put any work into that...almost 3 years later. 
    Me: 28 H: 30
    Married 07/14/2012
    TTC #1 January 2015
    BFP! 3/27/15 Baby Girl!! EDD:12/7/2015
  • Thanks, @Xstatic3333.  I'll try that then.

    This is how naïve I was.  I went to the DMV a few months after we got married...I had to go anyway...and brought my little ole' copy of my marriage certificate to change my name and get a new driver's license.  I was promptly told how mistaken I was.  Looking back, it was probably a funny conversation:

    DMV:  Oh, no.  First you need to change your name with Social Security.

    Me:  Okay.  Do I write to them or something and send them a copy of my marriage certificate?

    DMV:  No, you have to go to their office.

    Me (incredulously):  Their office?!?  There's a Social Security office in New Orleans?  (No idea SS even had local offices, lol)

    This reminds me! the DMV lady basically had me in tears before I left when I went to change my name. I went in their planning to change my name from First Middle Maiden to First Middle Maiden H's Name...thinking I wanted to take my maiden name as a second middle name because if I hyphenated I'd have a last name that was 16 characters long and would just seem a little ridiculous. My mom did it when she married, no problem. apparently the rules have changed and you're only allowed one middle name, so by the time I got up for the picture and she broke this news to me and instructed me to cross out one name or get to the back of the line, I just lost it. I can go to an appeals court and appeal to have my name changed to what I wanted...I've not put any work into that...almost 3 years later. 
    That had been my plan too!  It was pretty annoying that it didn't work out.  When the lady at the SS office told me, I was on the fence since I loved my middle name, but made the snap decision to with my maiden since I'm an only and I wanted to keep the family name alive.  Well, for whatever reason the SS office processed it as First Middle Married anyway, so I decided that keeping my middle name was just fate.  My parents were a little bummed but understand its my choice, and my mom did say she was glad I love my middle name so much.  
  • Thanks, @Xstatic3333.  I'll try that then.

    This is how naïve I was.  I went to the DMV a few months after we got married...I had to go anyway...and brought my little ole' copy of my marriage certificate to change my name and get a new driver's license.  I was promptly told how mistaken I was.  Looking back, it was probably a funny conversation:

    DMV:  Oh, no.  First you need to change your name with Social Security.

    Me:  Okay.  Do I write to them or something and send them a copy of my marriage certificate?

    DMV:  No, you have to go to their office.

    Me (incredulously):  Their office?!?  There's a Social Security office in New Orleans?  (No idea SS even had local offices, lol)

    This reminds me! the DMV lady basically had me in tears before I left when I went to change my name. I went in their planning to change my name from First Middle Maiden to First Middle Maiden H's Name...thinking I wanted to take my maiden name as a second middle name because if I hyphenated I'd have a last name that was 16 characters long and would just seem a little ridiculous. My mom did it when she married, no problem. apparently the rules have changed and you're only allowed one middle name, so by the time I got up for the picture and she broke this news to me and instructed me to cross out one name or get to the back of the line, I just lost it. I can go to an appeals court and appeal to have my name changed to what I wanted...I've not put any work into that...almost 3 years later. 
    Are you talking about on your license they wouldn't let you have multiple middle names or at the SS office? The SS office let me keep multiple middle names, but the DL office wouldn't. I come from a culture where you don't drop your maiden name, and I was going to do the same thing. Before marriage my name was First.Middle.Grandma's-Maiden.Mom's-Maiden.Dad's-Last-Name. Total 72 Characters. If I had added DH's last name to the mix it would have had added another 10 characters, which the SS office told me wouldn't fit (they said they're not sure how my parents had managed to fit it all in the first place).

    I had to make a spur of the moment decision about it, and ended up keeping all the names, but reducing my mom's maiden name to just an initial. When I went to go change my driver's license they couldn't even fit half of my name in their database, so my DL literally just says First-Maiden-Last
  • WulfgarWulfgar member
    500 Comments 100 Love Its Second Anniversary Name Dropper
    @Mustard76, MW still has her maiden name.  I also let my ex-wife decide what she wanted to do with her last name and she went with a hyphenated last name.  In MW's family, there was a break-up because the boyfriend wanted MW's cousin to change her last name when they got married.  They are back together and time will tell what will happen with them.

    I also got good advice from a friend that has 3 children and they tried the hyphenated last name with the three children, they are still in school and they have huge issues.
  • Wulfgar said:

    @Mustard76, MW still has her maiden name.  I also let my ex-wife decide what she wanted to do with her last name and she went with a hyphenated last name.  In MW's family, there was a break-up because the boyfriend wanted MW's cousin to change her last name when they got married.  They are back together and time will tell what will happen with them.

    I also got good advice from a friend that has 3 children and they tried the hyphenated last name with the three children, they are still in school and they have huge issues.



    Wow!  Yeah, any man who thinks he can dictate to me what my name should be, would also be in for a rude awakening.

    My cousin hyphenated her name and I know she has told me she is really sorry she did that.  Her DH is from Spain, so they often travel internationally, and she continually has problems because her name is too long to be entered properly for her plane tickets.  So her "ticket name" doesn't perfectly match her "passport name".

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