ChexSystems Reviews

I just moved to a new city and tried to open a checking account. ChexSystems prohibited me from doing that. My credit score is 820. I've owned several properties. I paid off my Mercedes a year ago. I couldn't be a better risk and yet they told the bank I was a bad risk. When I received the "Report" there was NOTHING on it. My past addresses were correct but that was the extent of the correct information. The entire report was "No information found" I've been trying to talk to a representative of the company without any success. Why are they still in business?

They give banks false information. It's impossible to get hold of a live person. Try to request a report and the website just keeps refreshing! I be been turned down by several banks even though my credit score is over 800 and just came into a lot of money. I tried to open a $50,000 cd and was turned down because of ChexSystems. One of the biggest scams! This company should be banned. Check out other reviews on here.

ChexSystems is a bleepin' nightmare to deal with. If you've put a freeze on your credit for security reasons and need to open a bank account, you'll invest significant time (hours) trying to get ahold of a live person, and when you do, they tell you to call another number for which there is no representative available if though it is during business hours. I requested my security freeze pin be mailed to me 1.5 weeks ago and still haven't received it. What a ** show this place is!

It’s ironic that ChexSystems has information on you that you have to use to verify when trying to get a copy of your Consumer Report or register to their site BUT they don’t use this info to help get your application approved! And after you hit submit for your Consumer Report, the site is stuck on the processing wheel spinning and spinning. And, after you register to their site so you can see if you can get better service, they don’t allow you to save the User Terms and Conditions as a PDF! How can a company with inaccurate information and a poor website have this much control over consumers?

I got this letter in the mail today. It says, ''This letter is to inform you of your right to your customer 'Disclosure Report' as required by Colorado State Statute because ChexSystem... has received 8 inquiries about you within the past 12 months or has received negative furnished information about an account associate with you..'

Don't trust this company or any company that works with them. They don't even honor freezes. I tried to unfreeze my account and it ended up not even working so I had to move to another bank. When I tried to contact them I was answered by someone who could barely speak English who wasn't helpful at all.

My CONSUMER SCORE DISCLOSURE REPORT as well as CONSUMER DISCLOSURE REPORT have NOTHING on them but addresses and inquiries viewed by banks. But apparently my score is 500 despite having 0 on my record. I called them and they even verified there is nothing on my report which NEGATIVELY affects me. Totally blows my mind how incompetent this system is. I can't even get a new credit union account in my city because of this. My credit score is 670-690 and I have 0 collections, 0 negative impacts on my credit score.

I was denied a credit union savings account due to ChexSystems report: "Insufficient DDA inquiry activity same FI" and "Recent unique FI DDA inquiry history." What does this mean?! Plain language please!

With much difficulty, I requested a report from ChexSystems after I was notified of a discrepancy by my bank. It seems someone entered my social security number along with a different person's name into the ChexSystem at some time. It was explained to me that this could either have been a clerical error as one or more numbers entered incorrectly or someone was fraudulently using my social security number. I was able to get a portion of the information from ChexSystems via phone. I was given instructions via phone to complete online. I did exactly as I was asked to do.

This is a terrible company, I don’t understand why American financial institutions use this system. I have been waiting on a pin to lift a security freeze and I have yet to receive it after WEEKS!! Every time I call to ask how much longer and where it is being sent from I get another location which makes things even more frustrating. I have applied for a loan and the only thing I am waiting on is a pin from Chex to lift the security freeze... They only send it through the mail ... no tracking ... it’s not expedited ... no clue where it is ... nothing.