ChexSystems Reviews

I have the phone number of the person who called me (person or business), and that number is: **.

I have tried calling that number 3 or 4 times and each time there is a voice message - ED ** - asking whoever to leave a message. I have done so a few times, and on the last one I told them that the named person they are looking for - well, it is not me - it is someone else with the same name and that they are just trying to scam money, and committing fraud. I told them they have been reported to the proper authorities and to stop these scam calls. I have nothing going on with any bank, payday loan, car, car loan - nothing at all. I have nothing, so how could there be a problem? I then told them that if they are a legitimate company, they better figure out a better way to approach people because they act like scam artists, and you don't just call someone and hang up on them???

I went online searching "Checks Systems" and I could not open the website, found nothing on the phone number, found nothing on the name ED **, except for Chandler, Arizona, then I found ChexSystems (see spelling difference?). So I called them up and told them someone is attempting fraud, trying to scam money, and phishing for money/information and they are using the name Checks Systems. The person on the phone (strong middle Eastern country accent) said they have heard of this (sure - I do not believe him). He said I could file something with them, ChexSystems. But I told him I do not need to since I have nothing going on and that I have already been in contact with MY bank, and they have absolutely nothing going with me! Anyways, that is about it. Not all details are 100 percent due to I was not prepared for this and along with freaking out a bit, remembering every exact word just did not happen.

I moved out of state recently and got a job which didn't offer direct deposit, so I had to open an account at another bank, since my previous bank had no branches here. I was declined and told that something called "chexsystems" declined it. I was given a number to call and upon calling that number was told that for only $265 I can have this removed. I negotiated the price for $215 since this whole issue was not my fault. Upon receiving some sort of report that stated I was clear, I then attempted to open an account at one particular bank. I was denied. They couldn't tell me why. I tried 2 others and the same thing happened. I went to another bank, who actually pulled up some kind of report and I was told that the "mark" on my name was listed as "suspected fraud activity". I was shocked! The bank manager was very helpful and told me to take the info to BoA, which I did. They were actually very helpful by activating a research file in order to remove this from chexsystems.

The BoA manager went to her system and stated that she could see this was paid and it was clearly a mistake. I'll wait a few weeks to see what happens, but in the meantime...Chexsystems is, from what I discovered, some sort of reporting agency, like a credit report, for banks. Virtually all banks use them and base their account acceptances on these reports. What piss me off is that I paid some service, recommended by chexsystems, 215 bucks to do absolutely nothing. I'm calling them today to demand my money back. My advice...go to the bank you had the issue with in the first place and try to resolve it. If you can't, or they won't, there are credit unions out there that will open accounts for people that the chexsystem gods have deemed unworthy. Hope this helps.

I also obtained an EIN from the IRS and filed with Secretary of State for an LLC and Chase, Fifth Third only run the business on ChexSystems and not you (the signor) another great advantage of business accounts is that the debit card limit and mobile check deposit limit is usually higher. Some banks will run the signer and here is the trick around that before going to a bank. Call up the branch and ask them about opening a business account, then mention you will be having 3 or 4 signors on the account and that you want to make sure that they don’t run the signors on Chex and only the business is ran, and that you don’t want to waste the other signors time if they aren’t going to qualify. But make it sound like you aren't the one on Chex (even though you really are) and they will straight up tell you the opening process.

What’s funny is that some of my accounts, I qualify as a business but as a personal account, I don’t qualify. Even after being with Chase after a year, I am afraid to apply personally for a consumer account because when I show up on Chex, the branch could very well close me on the business side for seeing derogatory information from Chex - because remember a business account signer isn’t ran and they would never know unless you apply personally or tell them.

I called up Chexsystems (after googling a correct phone number, which is a feat in and of itself after hours of trying to contact Chexsystems through their normal phone line) spoke to someone who was useless, and they are mailing me a report within 5 business days. This report doesn't do me any good, I already know what it says, as my own bank informed me of the error and e-Trade noted the same. I checked another website that clears up the error (per say) for a mere $185 and right away I knew that was a scam. This whole thing is a scam... and it is not protecting the innocent people like myself but condemning us because someone was trying to use my old contact information (an old address, phone number, etc). I am glad that the person did not get away with using my old information, I am just upset that I am held responsible for someone else's actions. This is ludicrous. If you ask me, Chexsystems is behind this whole entire operation.

I have never ever been and felt so disrespected by the lack of professionalism in all my life handling business of such importance as our personal financial information. I was told that I was salty and sour because I can't open a account. I was told that I was "barking." I quickly questioned the operator, "So you're saying I'm a dog?!" and he said, "Well you're the one barking, and you getting mad at me. We don't need your money. You the one who needs us." He hung up on me. So I called back to complain to his supervisor and whoever answered the phone identified themselves as such. He identified himself as Bill **. I was trying to explain to him what had occurred and he said, "Yes, I heard the whole call; you were mean and were barking."

Huh, I was baffled. I cannot understand how these people can get away with being so disrespectful?! He goes on to say, "We're rich and you're not. You need us, we don't need you," and so forth and so on. It was one insult after another until I hung up. I could not continue with this abuse over the phone. I don't believe that this person was a supervisor and I feel as though there has definitely have to be more guidelines as to some structure in the call centers. What do we do? Do we have any rights? Please, somebody help!

Now ChexSystems refused to give me any information to clear up this possible continuation of this identity theft when I called by phone (gave them my PIN and consumer ID number) as they said after a wasted 45 minutes that it would have to be in writing. When requested in writing, with the same PIN and consumer ID number, they still refused to give any information, only sending me a letter stating that, "Although you may not be a victim of identity theft, the content of your contact with us requires that you be made aware of these rights in accordance with FACTA." They also stated that rather than using my PIN in the future, I was to use my social security number and consumer ID number if I wanted any further contact with ChexSystems, even though it was my social security number that had been compromised in the first place and that is the purpose of issuing PIN’s in identity theft cases!

In other words, they are stating, they don't acknowledge the identity theft now as they did initially, so therefore, they don't have to be responsible for following up on why they authorized credit checks in another city that I did not reside in twice. Also they are now requiring I further compromise myself if I want any further contact with their company to get this information by requiring I give any of their employees my social security number rather than the PIN issued for the security freeze by ChexSystems.

Based on our several prior attempts in calling this place, we learned that they are not interested in trying to resolve anything except to transfer you to an extension where you'll be talking to a machine. I did not want this to happen again so I asked this guy to hear me out and that I'm calling regarding a serious, time sensitive issue and that I do not want to be transferred to a voicemail and I need to talk to a supervisor. His response was, "There are no supervisors here," and when I pressed the issue of urgency, this ** called me a Tasmanian devil and when I confronted him about his dismal attitude and lack of respect, he hung up on me.

I called back and hoped I would talk to a different person but looks like this disgruntled ** was the only one available. He taunted and bullied me over the phone again and seemed to actually enjoy his sick game when he said, "Ready? Ready? Are you ready? Here it goes," and he hung up on me for a second time. He never even got as far as getting my name and trying to help me.

The only things that are guaranteed here are attitude to no end, insult, name calling, disrespect, absolutely no interest in helping the consumer because in their mindset, their customers are the banks. So they don't give a ** to please or respect you, the consumer, because you're not the one who brings in the money. These losers are the anti-customer service and the biggest bullies you'll encounter. I plan on filing a complaint with the FTC and doing whatever I have to do to make sure that their tactics are stopped!

Again, no one from this place has returned a phone call. The nice folks at the auto refinancing (actually their president) have suggested that we contact the individual banks that show up on their report and rectify the situation with them. Just beware that when you call them, they are no better than a collection agency (don't fall for the ** customer service they promise to offer on their webpage; it's a lie!) and they automatically assume you're subhuman, not worthy of respect, time or understanding because your name ended up on their list. Well, my name never ended up on their list! I have excellent credit and I'm the co-signer. Stay away from them! They're the middleman. They don't need your business or your satisfaction. Deal with your original creditor.

I know America. We were formed on God and pass the ammunition. Gangsters, thieves who feed on us will not be around too much longer.

At this point, feeling as though I may have reached a very poor quality company representative, I asked to speak with his manager, whereas he informed me that "he was the manager". I looked online for another contact number for ChexSystems and reached another account executive. I asked for an upline manager of whom I could voice a complaint to about an employee. I was asked multiple times for my name of which I would not give them and eventually was transferred to someone. The person I reached was named Vance and I asked to confirm if he was a manager. When he answered, "Yeah, what can I do for ya?", I questioned the validity of his responsibilities and asked him for his title. He responded that he was an account executive, which in my experience is an entry level title.

I asked him who he reported to and his answer was, "No one". He further stated that he was an account executive manager and he was over the 200 employees in the Atlanta, Georgia Office. I told him about the issue that I had with the account mistake and the poor quality response that I received and his reply was, "I'm very sorry that this happened, but if you don't have a valid circumstance that I can help you with, I don't know why you're calling." I couldn't believe this. First of all, I feel we are dealing with a pretty important issue, my personal finances, and if this company cannot hire, train or at least provide a phone number or proper method for people to protect their personal information, I feel they should be held liable for the false information that they are providing.

Even though my issue was resolved by my own effort, I feel sorry for those individuals who run into this company's blind arrogant ignorance and again very adamantly, I feel that they should be held liable for the incorrect information that they are providing that is responsible for damaging people's finances.

I contacted the FBI when my bank suggested that I do that. It's so incredibly unfair that I am still on this list and I can't get ahead financially. It causes me much embarrassment not to have a visa/debit card to be able to do normal things like go on vacation, rent a car, get a hotel and buy online. Not to mention, I have to pay to have my paychecks cashed and since my company switched to direct deposit, my job has been in jeopardy because they no longer want to pay someone to print up checks just for me.

It is now 09/07 and six business days have passed (7 by the end of today) and I have received nothing. I cannot report this identity theft to the police or the Federal Trade Commission without this report. You cannot get a phone number to speak with anyone at Chexsystems as the number will be provided on the report. Today, I have also faxed a written request for the report and for a representative to call me immediately. Until I receive this report, damage continues to occur to my credit. My bank account was cancelled and car loan was revoked. The person attempting to steal my identity can continue to open bad accounts, attempt to buy a car or even a house. This report is critical in clearing my name of such wrongdoing.

I can not open a bank account until this matter is solved. My last bank that I had an account with has no evidence of any NSF reported, however the banmk that I am trying to oen an account with can not open it still.

After a brief google seach under chexsystems customer service I found their customer service number where you can talk to a live rep. I called the number, which connected me to some office probably somewhere in cambodia where the representative was speaking in a clear Asian accent and pretending to be an Amanda. I briefly explained Amanda what my problem was and after a long search, she said I was not on their system and her system was showing nothing in my name. I told her that's not what the bank says, and then she began to constantly read from a script in front of her for everything I tried to say. Realizing this was pointless, I hung up.

Then I called Wells Fargo and spoke to some manager and she said she understood my frustration but there was nothing she could do. What a joke. These people are like mafia! As for equifax part, I immediately pulled out my 3-in-1 credit reports with FICO score and saw a lot of listed collections, which were way old and very inaccurate. So inaccurate that back when I had challenged them the3y had been removed from there immediately years ago. Yet I saw they came back under different accounts by different collectors, and since they were brought up in a recent time, they look like new, but in fact, they are re-aged, which should be illegal. I called all those collectors to see who they are and what they are doing in my credit report.

After a brief investigation as such, I noticed that these people actually knew nothing about nothing other than what writes in front of them. They are simply employees of a company who bought those accounts from a previous collector who was dusted off of my record years ago. When I ask them if they had any proof or evidence that I was actually the one involved in that business transaction, they quickly stall. However it's their final attitude that is the source of frustration: yes but we got you here and what are you gonna do about it! I immediately disputed all of them, but this time, I'm seriously considering hiring an attorney if it comes in an affordable price.

I couldn't open a new account and a secured loan account which I needed! And I didn't even bank with any institution for 6 years! SIX years! I thought this thing stuck with you for 5 years.

I could not speak to anyone at CheckSystems for over an hour while trying to find a number for their customer service department. The information both on the company's website and the information given to me by the bank which declined my account request had the same phone number. Both of these numbers were for requesting a copy of a ChexSystems report. There was no way to speak to a representative. I finally found a number on a third party website while doing a google search. I was directed to a call center in India where I was given at most minimal information. When asked about filing a complaint about the difficulty in contacting the company, I was referred to my state's attorney general's office.