Yes. It was on their platform. Returned as a secondary scan not with the docs.
I do this exactly except I do not print and include a copy in the package.
I will print and include only if the instructions say to include a copy in the package.
You are a good man! I’m as adamant about printing ID’s as I am about witnesses. Probably not the best way to be but the easiest way for me.
I ALWAYS take a photo of the ID unless expressly told by the signers not to do so, which rarely happens. I simply maintain the photo in my library for a week whether I produce them for the lender or not. I religiously dump them after the week expires. Too often, there are issues that arise about the proof of identity of the signers and my photos come in handy to protect me, the signers and/or the lender.
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Who keeps the $25 penalty…..the loan officer?
I have always used pdf for picture ID, dl passports ect.
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Got a VA loan and the special instructions included the law regarding veteran ID’s which are illegal to copy. I had to sort of chuckle because it’s the same title company I told last year I can’t give a copy of the veteran ID since it’s illegal.
So they added that to instructions now.
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I had the same thing on instructions recently…do not photograph, do not reproduce, just verify.
I thought was strange, as I always take a picture, upload it to the platform, or return with package, then I was thinking it was a trap to see if I read I structions, lol.
I printed out those instructions and took a highlighter and highlighted it. My thing was they didn’t get any ID and blame me for it, but clearly states it. Title says is lender, not them. Weird all the same, but covered my ■■■■ anyway.
Making a copy or photographing a military ID is a felony. Don’t do it.
Rocket will not use you if you ignore their instructions to not upload ID.
For those that would like the US Code for future reference. It comes in handy.
Citation: 18 U.S.C. § 701 (2023)
Section Name: §701. Official badges, identification cards, other insignia
Section Text:
Whoever manufactures, sells, or possesses any badge, identification card, or other insignia, of the design prescribed by the head of any department or agency of the United States for use by any officer or employee thereof, or any colorable imitation thereof, or photographs, prints, or in any other manner makes or executes any engraving, photograph, print, or impression in the likeness of any such badge, identification card, or other insignia, or any colorable imitation thereof, except as authorized under regulations made pursuant to law, shall be fined under this title or imprisoned not more than six months, or both.
Source: https://law.justia.com/codes/us/title-18/part-i/chapter-33/sec-701/
My comments are just in general to anyone following the topic.
I’m sorry you had this happen to you. It is a minefield out there with who wants the ID and who does not. In any situation, Military ID is not to be photographed no matter who turns blue in the face! I accidentally uploaded an ID today separately on the portal. I asked the scheduling company to delete the file and they did for me. I put my loan documents in manila envelops, orange for the Lender, white for the Borrower. This has helped make sure the right document set is returned. Then any special instructions go on the outside of the envelop like Trustee, Scan or ID. I make signing orders but don’t carry them in to the signing as if you leave them behind with all the others, it is a breach of privacy and they find out how much you are being paid! Not cool.
The end of the month or quarter usually means more snarkiness and ill-temper. I would send an email to the person advising you of the dock in pay and asking of they will reconsider how much pressure we have all been under lately and you didn’t realize an ID was not required. I like the idea of getting the IDs for a week and then deleting them but it is a risk to keep them. Sometimes the IDs are not easy to read. Photographing them makes it easier to blow up the detail and record accurately.
Don’t question it, just do what the lender wants.They and the title company create the rules. You work for yourself, sure, but you still got to follow the rules. You don’t become a six figure notary by doing your own thing.
There are no six figure notaries.
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Bobby, Only you and other notaries that think like you. Are you also going to tell me if you don’t own 5 houses all cash, no debt, it can’t be done… I beat you there again. Be apart of seven startups and taking two of those companies public on the Nasdaq and having founder stock options, it can’t be done. I beat you there again. I also have no car and/or credit card debt. So Bobby it can, has been and will be done again.
Wish I could love this comment more. Amen brother. Amen.
In over 10 years of doing this work, I don’t think I’ve had even a handful of people give me military ID’s as their primary form of identification. The concern over whether to send back an ID photo with the documents is more a question of whether the lender wants it or not. Some do, and some don’t. The general consensus of signing services is that unless the instructions specifically say NOT to send ID, then you should send it, just in case they want it.
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Rocket says no ID. Or they take you off the approved list. That was the only thing I was saying. I get military ID’s as 2nd ID’s and I record them but don’t make copies.
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My goodness. I too, have no credit card debt but I do own a nice vehicle that I owe -0- on. So what? I hold the opinion that it is nearly impossible for a single notary to gross six figures doing almost any kind of notary work in a single year. Simple fee X volume / time math supports my assertion. But so what?
I’m not telling anyone that great things cannot be done - of course they can. Your implied accomplishments are wonderful. But we can count on one hand the number of notaries that make $100K in a year and can still walk upright. If you did it, my hat is off to you. Congrats.
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