Comments on: Free Chexsystems Removal Guide

By: Bella

Bella — Tue, 24 Apr 2012 06:20:29 +0000

Hi,
First off thanks for all the helpful information. I have two accounts reported to chexsystem from BOA. One is paid in full the other is only $200 over draft. Long story how I got them reported but totally unfair. I sent out Letter 1 a little over a month ago they recieved the letter on the 26th of March. Today April 23 I recieved a letter stateing the information reported is accurate. They also sent an attachment of copies of my banking statements that lead up to my over draftes. That is it nothing else with my signature or anything. What step do I take next?

By: ntrevino

ntrevino — Mon, 09 Apr 2012 20:20:18 +0000

Wells Fargo has an opportunity checking for customers who do not meet regular wells Fargo account opening standards.. People in chex systems are approved.. also they have a prepaid card where u can apply for it online, it offers direct deposit..

By: Alecia

Alecia — Wed, 28 Mar 2012 00:53:03 +0000

I want to know do anyone ever answer any of the question?

By: Ari

Ari — Fri, 23 Mar 2012 21:09:30 +0000

Hi there,
Yesterday (3.22.2012) was the exact five year date that I was reported to Chexsystems. I called them this morning and they told me that it was removed last night at midnight, and that I’m all clear. However, I called the bank an hour later trying to open an account and they say I’m still showing declined by Chexsystems and it’s the same report. So my question is…is there a delay between Chexsystems clearning me and when the bank gets alerted?

Thanks!

By: Hub

Hub — Tue, 06 Mar 2012 20:08:38 +0000

In 2008 I was paid in checks that were stolen. I spoke to Bank Of America about it, no money was taken out after the checks were deposited. They told me that they had to close the account because the checks were stolen, but they said I shouldn’t have any problems opening another account any where else because there was no negative balance. I went to open an account but they told me I was reported to Chex Systems for depositing uncollectible checks, what do you suggest I do, it was reported in 2008.

By: Tiffany

Tiffany — Fri, 17 Feb 2012 00:10:49 +0000

Hi if I had three negative accounts but paid them off…Iwrote a letter to chex systems requesting to be removed. Can they remove me being that I paid my accounts off?

By: Attila

Attila — Fri, 03 Feb 2012 22:53:46 +0000

First of all – THANK YOU very much for making this information available to all. I am just starting this process since I have been previously denied certain “levels” of banking services due to an overdrawn account years ago (or so I thought).
Upon receiving my ChexSystems Report, I quickly realized that they are NOT reporting anything negative. It just states “No Information Found”. Please tell me how to proceed with ChexSystems since I am being told by new banks that there definitely IS an issue YET there is no Information reported on my ChexSystems Report???

Thank you again!

Attila (Tampa, Fl)

By: Armando

Armando — Sat, 28 Jan 2012 02:20:42 +0000

Kelly – I filed a bankruptcy that included my bank account that went negative due to monthly service charges from the bank. I also has a savings account go negative because the bank charged me when the automated checking draft into my savings didn’t have enough money in it to transfer into my savings account. Now that was insane to me. Charging me for not having enough money in my checking to transfer into my own savings account??? I never understood this and was never told this would happen. In fact, I was never charged initially until a year later. Regardless, if these debts are discharged per the bankruptcy, can they still how it against me in chexsystems? Thanks.

By: Judith Desamour

Judith Desamour — Thu, 26 Jan 2012 21:00:31 +0000

I was blacklisted without my knowledge by Citibank in Brooklyn, because the check that I attempted to open up a checking account was a fraudulent check. I used my N.Y State ID .to ope they account when I asked the bank manager why I was reported he ” stated I gave fraudulent infomation to open they account…I want to dispute this?????

By: r elle

r elle — Thu, 12 Jan 2012 19:02:55 +0000

ok ive started the process and i recieved back after sending my first letter proof of the bank account but the proof is forged not by me or bank, but i did not do this hands down but was to young to know how to properly dispute the check fraud, im going to send letter 4 but what should i really do if i have no fault in this matter at all?