A damn miracle it is wooo hooo
YES ALL GREAT NEWS J..TY so much for that. The only problem I am
YES ALL GREAT NEWS J..TY so much for that. The only problem I am seeing at this time is that most of the people that are reported on chexsystems are now reported on EWS. Unfortunately EWS is being used more and more. Even banks like USA-A that were always the best solution out there for many of us ChexVictims now uses both telecheck and EWS. People are being turned down and reporting to me that they are being denied due to EWS , not chexsystems. Credit unions like Arizona Federal Credit Union now uses EWS. Bank Of America , now uses EWS. Basically it is becoming the new demon. :twisted:
Submitted by Mary Adkins Matthews on Mon, 01/07/2008 - 11:45
How long has BofA been using EWS?
Does anyone know how long BofA has been using EWS? And what does a EWS report contain?
chexsystemsvictims.com/2007/12/bank-of-america-and-early-warning
chexsystemsvictims.com/2007/12/bank-of-america-and-early-warning.html
Submitted by Mary Adkins Matthews on Mon, 01/07/2008 - 12:11
got this off ews web site. i dont know if she just did me a favo
got this off ews web site. i dont know if she just did me a favor or not but she actually ran my social while i was on the phone to check there database.
here is a the number and quote directly from there web site if you would like to call
Those wishing to obtain consumer report information should contact our Consumer Call Center at 800-325-7775
EWS is Early Warning Systems... it used to be Primary Payment sy
EWS is Early Warning Systems... it used to be Primary Payment systems
Do you think being reported to chexsystems is bad? Well that is nothing compared to Early Warning Systems
(EWS). More and more people are telling me that they are being denied accounts not because of chexsystems, but due to EWS. This seems to be happening more with credit unions than banks from what I can tell. In the last 4 months I have had 6 people tell me that they were denied due to EWS at a credit union.
I decided to look into it more so because these people are on chexsystems so how have they been reported to EWS? I thought to myself, how can EWS have the information from chexsystems? This is what I have found so far.
Early Warning Systems ( previously Primary Payment Systems ) is now being used by banks and credit unions the same as chexsystems. Along with other participating organizations, they now share information about potential customers that may be a risk through Identity Check . Identity check distinguishes high-risk individuals from profitable customers the same as chexsystems.
They also have Deposit Chek . Deposit Check is a service that is a proven solution to help prevent fraud and expedite funds availability decisions at the teller window, new account desk, image ATM, online banking and/or the back office. ( this service is some what similar to chexsystems SCAN )
Submitted by Mary Adkins Matthews on Mon, 01/07/2008 - 16:02
The EWS system at the teller window really does work well. It ch
The EWS system at the teller window really does work well. It checks to see if that account number scanned by the teller (the check being deposited) has a record of NSF or if the account is closed when the teller does the transaction. That way the customer can immedatly try a different way to collect on the check. It also prevents people from "floating" checks. You know...when you know you get paid in 2 days, so write your rent check even though there's no money in the account right now. It's not going to clear for a few days anyway right? WRONG! If your landlord's bank uses the EWS system at the teller stations, your landlord may be calling you to say the checks no good. It's training people to really not use money that's not in their account.