The "background check" questions for verifying your identity will have been drawn from a credit reference agency or similar. It may seem creepy, but actually if you want to verify someone's identity online and mitigate the risk of identity theft, the alternatives are limited. Of course the fact that they mixed you up with your Dad is unfortunate to say the least; your date of birth should have disambiguated you.
What they should have done is explained this, rather than just baldly present you with what appear to be alarming and intrusive questions.
Having different levels of service depending on the level of identity assurance is sensible for many applications, but for a funds transfer system I agree that it does not seem sensible.
What they should have done is explained this, rather than just baldly present you with what appear to be alarming and intrusive questions.
Having different levels of service depending on the level of identity assurance is sensible for many applications, but for a funds transfer system I agree that it does not seem sensible.