Same issue here. I tried to deposit money into DD's account so she could buy a car; the bank required her to approve the transfer (she emailed her approval very quickly).
[Redux of a post upthread]Yes, but which came first?
I used to have go rounds every time I called to make an extra payment to pay down the balance on our son's college loan. This was in spite of both our son and DH who co-signed having repeatedly authorized them to speak with me. As in they signed and returned the form authorizing it. Every stinking time I would have to go through a song and dance until I got fed up and not very politely told the person I was speaking with that I had made note of their name and the time of the call. That I would be letting someone in charge know he or she had refused to cooperate and accept a payment from someone they had been repeatedly authorized to speak with.