Chex Systems??

Did you have a bank close an account of yours because of overdrafts or fraud or abuse?

what makes you think that you have been reported to them....as kash stated did you have an account that was closed recently...I think I would contact them if I were you to see.

ladybug

No, I just don't have the best credit record and I know I've bounced checks in the past...didn't know what gets you reported to ChexSystems.

Credit has nothing to do with Chexsystem. It is an agency that you get reported to if the bank closes your account "with cause". Bounced checks will not get you reported unless there is a clear case of account abuse.

That is not totally true . . . . Technically a bank can report you for 1 bounced check. The bank can report you for just about anything they feel like. With Chex, you are guilty until proven innocent.

There have been many cases of people being reported to Chex for one or two bounced checks that they paid immediatly. In some cases they even still had the same account, but when they went to open a new one found out their current bank had reported them.

Actually I knew someone that was reported for 13 cents ...crazy but true

to get a copy of your report, go to chexhelp.com

I went to chexhelp.com only found a lot of sites that ewre not the true site. No real site listed under chexhelp.com

yes it is chexhelp.com but it will come up consumerdebit.com ( the same thing)

how long do people stay in the system before being removed.

I believe it is 5 years.

yes it is 5 years. If you would like to attempt removal before then, you would need to file a dsipute with both chexsystems and the reporting bank.

I tried for the second time on January 12, 2009 to open and establish bank accounts with Central Pacific Bank in Honolulu, Hawaii, and yet again I was deniied due to a US Bank in their Sonoma, California Branch reflecting a derrogatory record on my name (it didn't specify exactly-but just to tag my name denying any attempts of establishing a bank account). I was denied for the same reason last year when I applied with Pacific Rim Bank here in Honolulu, HI sometime in June 2008. I called US Bank -Sonoma, CA Branch at that time, and they do not remember anything of placing me on CHEXSYSTEMS. Then I tried to talk with their Collections & Fraud Dept., to see if they placed me on to your systems, no records found...... On that note, please remove my record from your systems as you have no grounds to do so!!!! Why don't you contact US Bank-the supposedly purporting bank that placed me on your systems and verify what the story is??? You will find out, they don't have any records at all!!! PLEASE CALL ME AT mobile or my email address is:@yahoo.com I WOULD TRULY APPRECIATE YOUR URGENT ATTENTION IN THIS REGARD!

Personal information was removed!

You should definitely get a free copy of your report to see exactly what it says and who is reporting. www.chexhelp.com

what is the prolbem gave chex systems the info.

I TRY TO OPEN A BANK ACCOUNT FOR THE TIME IN MY LIFE AT CHAES BANK AND THEY THAT I CAN T NOT OPEN ACCOUNT DO TO THAT I OWE SOME MONEY SOME OR HAVE HAD OTHER ACCOUNTS WITH OTHER BANKS

I TRY TO OPEN A BANK ACCOUNT FOR THE TIME IN MY LIFE AT CHAES BANK AND THEY THAT I CAN T NOT OPEN ACCOUNT DO TO THAT I OWE SOME MONEY SOME OR HAVE HAD OTHER ACCOUNTS WITH OTHER BANKS

Steve you need to get a copy of your Chexsystems report and see what institution has reported a balance owed.

You can request a copy of your report by visiting the Chexsystems website. There will be instructions to guide you through the process.

I am trying to find out why I was reported to chex systems?

If you have been rejected from writing a check, you are entitled to a free report. Get a copy of your Chexsystem report.

i have a question, i had a rocky relationship with TD bank for awhile - payday loans, bounced checks. i finally got rid of them and moved to the credit union. my bank manager did not like me.. we argued over several things and i have reported them to the BBB.
i closed my account on my own and my new bank does a chex systems check so i am assuming i am okay but i ordered a report just in case.
does anyone see any reason for me to worry?

If you did not have a overdrawn account with your old bank then you should have nothing to worry about.

thanks! i closed it out on my own and it was in active status. they even offered to open a new account for me (they said if it were for fraud i can get a new account number) but i kindly told them no.
i wanted to get outta there! ;)
like i said my new bank did a chex system run on me, i am just paranoid i guess?

Oh you are fine. I closed an active account in good standing last year. I currently have 5 bank accounts with no issues, so I am sure you are fine :wink:

thanks, i wanted to switch banks and get away from them! but i tried to be nice about it.
Thanks again :)

my bank representative requested that I contact chexsystem regard denial of opening an account

Get a free copy of your report at www.chexhelp.com

I recently recieved a copy of my own chexsystems report by
logging in to their site online.I was surprised to find that a pay day loan company has reported me to chexsystems.The company is NetcashUSA to be specific.Iwas not aware that a
company that issues short term loans could report someone to
chexsystems also I do not recall having conducted business with
them.I am in the process of disputing this report because I was
denied opening a checking account with my credit union.has anyone else delt with this before and can a payday loan company report someone to chexsystems for defaulting on a loan.Again I do not recall taking out a loan with NetcashUSA
so the DV Letters are in the mail as we speak.I just want people
aware of this practice and any advice would be appreciated.

yes it is possible for them to report you ..just not real common. I would file a dispute with chexsystems as well.

www.chexsystemsdisputes.com