I was denied a bank account when I was in the middle of moving out of my parents house and needed them to essentially cosign&#x2F;co-own the account.<p>The stated reason was an inability to document my income and a lack of credit information.<p>Similarly, I&#x27;ve been denied credit cards and bank accounts since this &quot;co-ownership&quot; has mixed my financial information in LexisNexis [and similar services] with that of my parents and I don&#x27;t always know the questions they ask to verify my identity and&#x2F;or claim that I&#x27;m not me.<p>For instance, I shutdown my Chase account because one part of Chase insisted I wasn&#x27;t me [to the point of denying me access to services I had paid for] while the other part of Chase held my money. I&#x27;m not going to trust Chase to hold 5 figures of my cash if they are simultaneously going to insist over the phone I&#x27;m not me because I can&#x27;t answer questions sourced from services like LexisNexis. That&#x27;d be insane.