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?

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.

I received a letter in the mail through the postal service from the company "Chex Systems, Inc." located at 7805 Hudson Rd. Ste. 100, Woodbury, MN 55125. The letter was informing me that Chex Systems had "received 8 inquiries pertaining to you within the past twelve months." Because of this I was entitled to a free report. First I was unfamiliar with this "credit reporting" company and find it disturbing that there are so many "unknown" reporting companies out there that we as consumers do not know about. Although I elected to obtain my report. My selection was to obtain the report online. The reason for only FOUR stars is because the website that the company has listed in the letter is invalid. I had to go directly to their website to obtain my report.

This company does not provide you the access needed to obtain whatever information is reported on their database. I placed a freeze on my report then requested that freeze be lifted online but they denied the request because I did not enter my PIN. There is no place to enter the PIN on the online form. Furthermore, you should be able to access the information this company is reporting by online methods or by calling the company and verifying who you are but you cannot. They are cryptic, do not provide easy access to whatever information they report to banks, and the hotline is completely useless. I am pursuing legal action against ChexSystems for not providing accurate information & for not providing obtainable information about what they are reporting to banks about consumers. I suggest anyone that has any adverse action reported by ChexSystems to do the same.

Sad pitiful company. They make crap up and lie which controls people lives Then do nothing they say they will. 4 months no report. I refuse to ever use a bank that allows a foreign ran company to control Americans the chance to survive.

The ChexSystems submitted a report to NBKC Bank about me and/or my credit rating based on which they denied my CD Application. Of course, the bank was the loser of my deposits. However, when I inquired about it and asked directly to provide me with their report electronically, neither they did submit them electronically within 5 business days (as mentioned on their own website) but not even by mail based on my request for the report submitted through their own web page. When contact by phone and fax that is provided on their website, they didn't respond either of them. It looks like either of them are phony - and surprisingly, FDIC insured organizations like NBKC Bank relies on their report.

This entity ought to go back and read a 101 book on the virtues of providing quality customer service. To have an entity that makes it impossible to speak to anyone, in todays day and age, is appalling. Additionally, they claim that on average a report will be mailed within 5 business days of filing a request. 15 days later and the report has yet to arrive. Banks and credit unions should find another consumer reporting agency to do business with. Service and accessibility are horrible.

I read other experiences and reports of this company, and I’m in the same situation. BofA closed my account because suspicious activity, I found out that I was hacked and scammed but they don’t care. Now I cannot open any account in other places, like banks, even I tried a credit union. Is not fear what happen, I ordered my report from Chex system and they cannot take in consideration what I’m passing through. Anyone knows where I can open an account?

I found out about ChexSystems this week when I went to Rockland Trust in Somerset, MA, to open a business checking and savings account and got denied for both because this company I never even heard of had flagged me as having Abused Accounts at Citizens Bank, NA. The branch manager at Rockland Trust gave me ChexSystems "Customer Service" number. I called and all I got was an outdated telephone system with no option to reach a live person. I spent close to 20 mins spelling, speaking, and entering numbers only for the system to say "Thank you, your report will arrive in 7 to 10 business days. Goodbye." What? I can check my credit report on my phone with a free app but for this scam they mail out your report? And these idiots can affect the relationship I have with the bank I use for personal accounts and credit cards? How is this even legal?

Recently I applied for a new checking account and was denied. I asked why on Earth I was denied and was told that ChexSystems reported negative information about me. I asked the bank manager to see the report and she did, reluctantly, let me. What a load of fiction!! Reports from banks that I have never heard of and miscellaneous commentary which was total fabrication. ChexSystems has to be one of the worst and most fraudulent companies in the U.S. I immediately froze my report so they cannot disseminate any more lies. I suggest you do the same. And ALWAYS ask before you apply for anything, if they use ChexSystems. If they do - take your business elsewhere. This company is worse than worthless because they harm good people.

I may have been a victim of fraud. I called in to ChexSystems and spoke to Lionel. Lionel refused to give me ANY information and kept telling me I needed to request a copy of my report. NO empathy, in fact, long, awkward pauses on his end. He would not talk, he would not help me, and he would not even attempt to get a supervisor. I am going to dispute these claims and then I'm going to sue the living daylights out of them. They don't give customer service, they give snark, and condescension. Don't ever mistake the fact that they are NOT here to help you.

I own a MIXED-USE building which consists of 12 tenant units, three of which are RESIDENTIAL APARTMENTS, plus a RESIDENTIAL COTTAGE in the rear of the property. ChexSystems has my property incorrectly coded in their database - they have it coded as a "COMMERCIAL" building, so anytime my RESIDENTIAL tenants go to the bank for any reason (to open a bank account, get an auto loan, etc.) they are immediately declined because ChexSystems says THE ADDRESS IS COMMERCIAL, NOT RESIDENTIAL!

Okay for starters, do not contact me by phone or mail. If you insist do it via email. That means if one of your CA' people wants to attempt to help me resolve the concern I am writing about. I have very mixed feelings regarding this company. They did do some decent things by me. Several years ago I became disabled with a head injury and some PITA took advantage of that by stealing my identity and committing some types of fraud. They had stolen a wallet with real ID and SSN and so forth. I have been told by one of the detectives that they also believe that false ID have been used with some of my true identifiers upon them. As if I need any more drama... It is stressful and confusing to me how they can do it and get away with it all.

They are horrible. They lie about all the information in the system. There is no accuracy in the report. They make it impossible to get a bank anywhere. Off one accident now I am paying it off. They still don't care.

I have not made any mistakes. But I have to give an Indian guy that I can understand to save my life my SS#. This is a bit of an outrage in my book. The bank says the is an alert from Chexsystems but I call them and there is no alert. This is the only review I have ever done in my life. I hope it gets noticed. Chexsystems you are worthless.

The people here are crooks. I've never heard about anyone getting anywhere with them when a dispute arose. Even my bank was shocked that I had something posted about me on ChexSystems. I had identity theft years ago and ChexSystems continues to let the lie remain on my record. They need to be shut down. Email me at: ** if you have any solution or want to join together to shut them down.

I've help hundreds to thousands of dollars in my account for over 7 years and when I fell on hard times Chase reported me to Chex systems after many calls and then blacklisted me from nearly any bank. My balance was paid 2 months after the overdrafts occurred and I even attempted to pay many bills and repair my credit. I was however able to open an account so hopefully this is the end of this problem. If I incur any more issues I will report them here.

This company is in total violation of the fair credit reporting act. They verify and validate nothing while they continually destroy people's ability to operate in commerce, essentially destroying their lives. I will not stop fighting them until they pay my damages and are out of business forever. My best advice to anyone affected by them is to send them letters giving them a timeline to either verify and validate their information or pay you a specified amount that will become a self executing, accounts payable lien against them until they do. The people at ChexSystems belong behind bars.

Bank of America had reported me to chexSystems and Chase had closed my account even though I am in good standing relationship with them. I paid what I owed with Bank of America. I can't understand why we have to penalized for this thing. Now I can't open any account with any banks. I am so frustrated about this chexSystems. It should be out of business, they harmed me for one mistake.

Someone placed a security freeze on my ChexSystems records without my permission and/Or authorization and I contacted ChexSystems to inquire how to remove the security freeze that I never requested or placed and representative named ** was nasty and emotional about my inquiry. She was rude and non informative and kept persisting that "I" was the one who put that freeze on my file. When the supervisor came on the line, she was equally nasty and just repeated what ** had just said, giving me no resolution for the problem, just like her employee. They are worst than collections agents - Nasty, rude and persistent. I file a complaint with federal trade commission about them, because they are supporting identity theft by not assisting consumers who had fraud on their file.

I have contacted them with police report showing fraudulent activity has been done under my name, and they still keep a record of me which is bad for anything else I apply for. They say they removed me from the list but they still have me under a "scoring system" which has not helped me any.

I was denied opening a simple savings account with Ally Bank. They sent me a letter telling me it was from information received from Chex Systems. I went on-line and filled out all the information required. They said they couldn't send me a report because I have an invalid drivers license. I do not have an invalid drivers license. I filled the same information out on their automated system and got the same response. I called them and spoke to both a representative and a manager and got no help. It is an impossible situation. How do these people get this kind of power? They are arrogant and offer "no customer service."

I settled a debt with First Tennessee Bank 6 months after I forgot I even had that account and seen I was overdrawn. ChexSystems were informed but do not clear the record and any new banks do not see on their systems that I paid the money back as soon as I realized. The phone number they give you doesn't work, you have to google search how to speak to someone. 800-513-7125 is the right number as of April '15.