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There's an aspect of COC in this, but mostly it's the SCs. I've had a lot of customers lately not bringing in the correct documentation to open accounts.
There was the loan Goodhair opened without getting the proper corporate documents for the business. Since I opened the associated checking account (I don't know why me, except that Goodhair knows I'm competent), I was asked for the CIP* info. He had docs in the form of "Lakeland Properties, LLC", but the actual business name is "Lakeland Properties of City, LLC." I know the latter is the actual business name because they effing filed taxes under that name and that's how it's registered with the Secretary of State. We just don't have organization docs in that name.
Then there was the SC who came in asking to change his dad's accounts so he could sign checks. His dad died two years ago, you see. The first checking account was joint between dad and his son and his daughter (SC's siblings). Which means only the siblings can access the account, and SC needs to contact them to add him to the account. The other account is a trust account, which means we have to go by the trust document. Which, luckily, we had a copy of. SC's brother is the trustee and so can sign checks. But, SC argued, the trust document lists him as successor trustee. Yes, but only if brother is unable to perform the duties of trustee. So we need documentation of that. SC says he had it, but not with him. Sorry, I need to see it before you can sign checks. He asks if I can have him sign a new signature card and he can bring in the documentation later. No.
Bring in the documentation first, then I'll change the signature card. Also, this guy was in such a hurry. He came in half an hour before close and said he needed to get all this done, not before we closed, but before the credit union closed because he needed to go there, too. 
Why is it always the customers who have the most complicated stuff that are in the biggest hurry?
The above one and this last one were both brought to me by the head teller. I'm not supposed to be doing deposit accounts, according to the branch manager, but since I'm not busy with loans
I'll do them. Head teller hands me a sheet of paper on which she's written the names of three sisters, only one of whom is a current customer. The other two are supposed to bring in their ID when they come in to sign the signature card for the checking account she wants me to open. But there's no info for these sisters - no address, phone, etc. So I can't even type up the signature card until they get here. Also, at first she said to open the account as "Family Reunion Account". But if they want to title it that way, I need at tax ID number. So she says never mind that, just open it as a joint account between the three of them. And when are they coming back in? After the funeral 
- this was the only day all three of them were going to be in town to sign. Great. <sigh>
*CIP: Customer Information Program. This is the documentation proving that a customer is who they say they are. Photo ID and a second ID for individuals, corporate documents and Certificate of Good Standing for businesses.
There was the loan Goodhair opened without getting the proper corporate documents for the business. Since I opened the associated checking account (I don't know why me, except that Goodhair knows I'm competent), I was asked for the CIP* info. He had docs in the form of "Lakeland Properties, LLC", but the actual business name is "Lakeland Properties of City, LLC." I know the latter is the actual business name because they effing filed taxes under that name and that's how it's registered with the Secretary of State. We just don't have organization docs in that name.
Then there was the SC who came in asking to change his dad's accounts so he could sign checks. His dad died two years ago, you see. The first checking account was joint between dad and his son and his daughter (SC's siblings). Which means only the siblings can access the account, and SC needs to contact them to add him to the account. The other account is a trust account, which means we have to go by the trust document. Which, luckily, we had a copy of. SC's brother is the trustee and so can sign checks. But, SC argued, the trust document lists him as successor trustee. Yes, but only if brother is unable to perform the duties of trustee. So we need documentation of that. SC says he had it, but not with him. Sorry, I need to see it before you can sign checks. He asks if I can have him sign a new signature card and he can bring in the documentation later. No.
Bring in the documentation first, then I'll change the signature card. Also, this guy was in such a hurry. He came in half an hour before close and said he needed to get all this done, not before we closed, but before the credit union closed because he needed to go there, too. Why is it always the customers who have the most complicated stuff that are in the biggest hurry?The above one and this last one were both brought to me by the head teller. I'm not supposed to be doing deposit accounts, according to the branch manager, but since I'm not busy with loans
I'll do them. Head teller hands me a sheet of paper on which she's written the names of three sisters, only one of whom is a current customer. The other two are supposed to bring in their ID when they come in to sign the signature card for the checking account she wants me to open. But there's no info for these sisters - no address, phone, etc. So I can't even type up the signature card until they get here. Also, at first she said to open the account as "Family Reunion Account". But if they want to title it that way, I need at tax ID number. So she says never mind that, just open it as a joint account between the three of them. And when are they coming back in? After the funeral - this was the only day all three of them were going to be in town to sign. Great. <sigh>*CIP: Customer Information Program. This is the documentation proving that a customer is who they say they are. Photo ID and a second ID for individuals, corporate documents and Certificate of Good Standing for businesses.
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