If you have any questions about Chexsystems, please leave them in a comment here, and we will personally assist you, free of charge as always!
Looking forward to helping each and every one of you get out of Chexsystems.
By the way, my girlfriend recently found out she was in Chexsystems for an old bank account she had forgotten about which had gone negative due to the account monthly fee.
So she is on her way to getting out of Chexsystems, but in the meantime she tried to open an new account at Chase bank, and low and behold they accepted her. But before you get too excited, its called an “access only” account, which means you still can’t write checks, and you can only spend/withdraw $400 per day.
Now I realize this isn’t the greatest account in the world, but they do give you a debit card. Apparently banks are FINALLY realizing the money & customers they are losing due to Chexsystems, and slowly but surely they are attempting to gain those customers. This is a BIG improvement over the former zero tolerance policy that they adhered to in the past.
i don’t no abaroute in chexsystems please give to my informetion my email
i have sent the certified letter to chex systems and i received a letter stating that they are reinvestagating my claim what should i be doing now they still only have 30days am i correct .
Hi,
I sent letter #1. I then got a response back with the signed contract when I opened the checking acct and the last bank statement showing me overdrawn for the $28.00. I don’t know what to do next, since the did validate it. Should I wait 30days to see if it shows up as disputed , then try to sue if it doesn’t? Please Help.
Thanks
Patrick
Thanks
im not sure what to put here on this line please help. Upon ordering a copy of the report, I see an entry from this bank listing a “(condition such as NSF)” in 10/2010.
what does it mean condition such as NSF, what do i enter here
After 30 day of sending letter #3. If I don’t hear back, what do I do?
could you post copies of the pleadings in some of the cases including chexsystems proper corporate namr so derfendants can be correctly sued?
must chexststems provide you with a copy of the supposed source of the negative posting and the institution submitting it?
Thanks for good info. FYI i have previously disputed this item before more than year ago but did not follow thru. does that change anything? my question is that i have received a letter within 30 days but is not anything about the validity. it says:file has been forwarded to personnel. we will contact source to verify accuracy ect.. tomorrow the 22nd will be 30 days what letters do i send?? thanks
I sent the request report form on the Chexsystems website to receive my report and have not received a response in 14 days. Is there something I can do to obtain the report elsewhere? Thanks for the help.
Chris
I sent letter 1 via certified mail & recieved back that they are going to investigate but that they have 30 days (or if needed an additional 15) to respond. Is this 30 days from when their letter is dated or from when they received my letter 1 (i sent it with return receipt) or does any of this even matter.. should i still follow the original plan that if no proof is sent after 30 days from when they received letter 1? thanks for all your help!!
I received a reply back from ChexSystems after sending them the first letter. It reads “The disputed information submitted by @#%$ has been changed at the request of the source of the information. The reported information has been changed to settled in full. With this change, they have verified the information to be accurate as reported. Therefore, it has been retained in your file.” I’m not quite too sure about what this means. If you could be so kind to explain this to me in terms that I can understand and help me with what the next step should be, it would be greatly appreciated.
Do you have a list of banks that do not use Chexsystems?
hello , i have sent chexsystem both 1 and 2 letters in your 4 letter process however all i get back is anoyher copy of my chexsystem report this sux !!! ok so now do i send letter 3 or do i skip this and file a small claims against them ??? i currently have 4 accounts in chexsystem 3 i didnt even kno about ” thanx to my EX wife” and 1 that is paid
I have multiple entries I need removed from my Chexsystems report, one of which is shared with my husband and is on his Chexsystems report. I want to remove everything. Can (or should) I send a separate letter for each item I want to dispute, or will that draw too much attention to me?
Much thanks-
Steffany
where do we go to get the answers to these questions .
I HAVE BEEN REPORTED FOR SUSPECTED FRAUD ACTIVITY, WIIL I BE ABLE TO REMOVE THIS USING THIS METHOD? THANK YOU.
Hi,
I sent letter #1. I then got a response back with the signed contract when I opened the checking acct and the last bank statement showing me overdrawn for the $28.00. I don’t know what to do next, since the did validate it. Should I wait 30days to see if it shows up as disputed , then try to sue if it doesn’t? Please Help.
Thanks
I made the mistake of paying Suntrust bank money they say I owed even though they were the reason I was overdrafted. They misplaced my deposit and didnt care one bit. wouldnt work with me so they sent me to a collection agency, after being bothered by these folks i paid them to keep from being sued. the collection agency lost the money order some how which delayed the process by another 3 weeks. I got a letter yesterday saying they found it. I asked to be removed from chexsystems the collection agency said i would be but instead they put on there paid in full and they have my first name wrong on chexsystems. my name is scottie not scott. they charged me for 2 accounts and all i ever had with them was 1 account. is there any thing i can do to dispute this or am i stuck? Thanks
I cannot thank you enough for your help. I have been dealing with ChexSystems for months. My husband tried to add me to his checking account and they refused me because of ChexSystems report. I wrote to ChexSystems and they sent me the report. I had a debt to two banks and a check written to a department store for $77.00 that was paid 28 days later in 2008.
The two banks reported me for account abuse and sent the amounts to collection. At the time I was sick and hospitalized and certain things were not taken care of. I called BOTH collection agencies and paid them off at the beginning of this year. I was told by ChexSystems that even though all was paid and I sent them proof of payment from the collection agencies that the negative reports would stay on my accounts for three to five more years.
I am writing you because those wonderful letters you supplied on your website would not quite apply to me. I wish I had read your information months ago. Can you still help me? These people are ruthless! I would appreciate any advise you can give to me.
You’re my heros!
Mary
I’m sending my bank letter 4, but in the first paragraph it says “I am requesting validation, made pursuant to the Fair Debt Collection Practices Act.” My case does not involve with a debt but check fraud (which I did not commit). I have revised everything that has nothing to do with my case (debt). Do I send the letter as is, or is there another “Fair Act” to match with this?
i am in process of geting off the chexsytem im 19 and have paid back what i owed to that sorry bank of america im sending letter 1 may 28 2011 to them
My account was sent to collections and is no longer with the bank. I am currently in chapter 13 bankruptcy. Am I able to have the account removed from Chexsystem?
Great stuff!!
What do you think would be the best way to go about things if my account that was closed because I was a victim of an internet scam, was paid off since last september and I’m still on Chexsystems?
I have sent the first two letters and have not received a response from Chexsystems. What can I do at this point to continue to get this account removed?
It’s been 5yrs since Bank of America reported me to chexsystems due to Suspected Fraud Activity (BTW don’t leave your account info laying around your house while your “friends” are there.) Any amounts owed have been paid in full and settled. BOA reported me to chexsystems 05/11/2006 and I am still unable to open any account with any bank. Shouldn’t this been cleared by now? how long does it take to be deleted from chexsystems? 5years exactly? or 5 years and a few months? Or is it 5 years since I the Closure Date?? I did received a Consumer Report from chexsystems upon request, but that was within the 5 years. Even tho there records are correct, that reported should be deleted by now right?? Please help me!!!! Thank you!
I had debt with 2 different banks that have both been paid off. I am trying to open a new account but I am getting denied. Can I move the check systems process along faster? I can’t wait much longer to open a new bank account.
Hello. Thanks so much for all of this wonderful information. I am very appreciative to you. I will be sending my Letter(s) once I receive the information from Checksystems. My question is if I have more than 1 item with Checksystems, should I do separate letters for each item all at one time? In other words, dispute everything on the report all at one time with several letters to Checksystems or dispute everything all in 1 letter? Thanks so much for your response.
My bank account was not overdrawn but I had a car loan with the credit union which was discharged in bankruptcy. Can they still report me to chexsystems for something which was discharged in bankruptcy? Unfortunately the attorney I was working with on the bankruptcy went out of business so I can’t ask him.
So do I send letter #1 to ChexSystems at the same time I send letter #4 to the bank?
Also, is there a way I can see the answers for all these questions?
I was reported to chexsystems for “Suspected Fraud Activity”. Is there anyway to fight or have this removed and if so how? Thank you for your help.
When do you send letter #4 or is that if you are dealing directly with the bank only?
My account was reported to CS on Jan. 25, 2007. Will I be able to open an account by March 2012? Do they only have 5 years to report or can CS report for as long as they want?
Exactly! Where can I view responses to some of these questions, as some of them are the same questions I have.
I ordered my report from chexsystems over a week ago and have not heard back.I just want to see what they are saying i have done, have know idea myself. are they obligated by law to have to send you a copy within how many day.s.
If I am in check systems for three different banks, should I send three separate letters to check systems or should I include all the banks in one letter? If I should send three separate letters should they be at the same time, in the same envelope?