I have an application that was provide on-line. The application says such. The GMI info is filled in. Should we be filling in the "xxxx was collected based on visual observation or surname" as a NO? On our applications it says (collect if a face-to-face transaction). If we don't choose NO..what do we put?

IMHO - it is not applicable (and should be reported on the LAR as such) since it was not a face to face transaction.

^^^Kathleen Blanchard spoke to CFPB on this and posted to it in another thread in this forum.
You only complete the questions for face to face applications.

Then you get into the whole discussion about coming face to face at any time during the "application process".

Consistency is key, imho. here's one of the threads in question

would I enter N/A for ALL applications that were NOT taken face-to-face?

imho, yes.

Remember my caveat about 'during the application process'.
I am not a front line bank so it's easier for me to put the stop sign up.