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Some states require that the POA be registered with the county's register of deeds office. There it is recorded, assigned a Book and page number and available online for any agency that wants to view it.
I always carry a Filed copy of my DPOA with me when I do business on behalf of my cousin. I've had few problems. When I've called on her behalf, it's a little more difficult, but I have been able to explain myself and it worked out fine.
I might ask the place exactly what their issue is.
If it's medical authority or powers, no, a DPOA does not address this. You need a HIPAA authorization for information and a Living Will or Advanced Directive for medical authority.
Isn't most of your money owned jointly? I had mom with me for a year. Only one bank would not recognize my POA for her. I packed her in the car, sat down with an officer, and said, "Mom's here to check out her money, aren't you, mom?" Problem solved. She showed her identification and put an X on the signature line.