ChexSystems Reviews

First of all, there's no way to talk to a live person: you MUST use the automated prompts or the web site to order a report that will supposedly explain why you have been denied the account. I requested my report. I have Bank of America checking and savings accounts, and have since 1996. I called them to make sure that there was no fraud or problems and was told that they had not reported me to ChexSystems, and that I was a premiere customer and they would never report me. They offered to call ChexSystems with me on the line to see whether they could mitigate the situationbut got the same automated response that I got, despite being members of ChexSystems as well! I subsequently received my reportand there was not one problem on it. In fact, the only mention of anything in any category was the WaMu incident.

When I called ChexSystems to inquire what was in my report that couldnt be verified, I spoke with a representative named Sean.? Sean informed me that there was nothing on my reportand again, that ChexSystems does not make the decision. If there is nothing in my report, then how can WaMu deny me an account based on nothing? And how can I prevent this from adversely affecting me again in the future? Ive done nothing, and theres no evidence of anything, but Im being denied on the basis of nothing. Furthermore, theres not even a place to go to try and rectify this, because WaMu and ChexSystems are both pointing the finger at each other. (I called WaMu after I received the report, and she said there wasnt anything there, and that I shouldve gotten information from the branch!)

I had to remain with Bank of America (at $6.95 per month) instead of receiving the free checking I was clearly eligible for. I feel like I was discriminated against for having nothing on my Checking report.

Paypal collected money for services. I was never told that there would be a charge for using my credit card through paypal. Charge one time fee of $10.00 for receiving instant access to the most current up to date, of bank and credit unions in all 50 states that do not use chexsystems solutions.

They gave me a printout of a computer page with this information and showed me the questionable line. This line was included within a box titled ChexSystems and read exactly: FraudChex1: Ravinovich Motel, Hotel/Motel? They gave me a paper with included instructions on how to contact Chexsystems to get a consumer report and which stated that I had a right to dispute the information in the consumer report.

I looked up the Ravinovich Motel, and found that there is no such hotel/motel, that Motel Ravinovich is actually a tenant who lives in my building. There are plenty of websites purportedly listing Hotels/Motels that erroneously include people named Motel. It is a common Yiddish name. Thus, it appears that a check on my address showed that I may have given an address for a motel instead of my home address based on hotel/motel sites that erroneously include private citizens named Motel.

The main problem is that my Consumer Report from Chexsystems does not show this Ravinovich Motel reference. It shows that everything is clean with nothing negative on my record. Thus, I am not able to dispute the erroneous report item re: Ravinovich Motel that Chexsystems is reporting to banks.

I do not know how to get out of this mess. After banking for over 30 years with no problems, I am suddenly treated like a criminal and am afraid of what the future will bring in terms of my ability to bank and access my money. I am retired and depend on my savings. I am thinking of moving to a building where nobody named Motel lives, but even then I am afraid that this association of my SSN with a motel may stay in my record for 5 years.

I made several phone calls (lost count). I called the bank that had placed the report to make sure their records were up to date and showing that this acct had been satisfied (surely it was a mistake). Come to find out, yes, indeed their records showed as satisfied and so did ChexSystems'however the information stays for 5 years!

My former finacial institute did offer an alternative. They told me to contact a company called Springboard and that all I had to do was take a 5 hour weekend class and upon completion I would receive a certificate (I suppose that would make me much more worthy of opening an account, never mind the fact that it's been paid off for more than 2 years now). The certificate will allow me to open a checking acct. with any participating bank that will take the certificate as assurance that I am in fact a law abiding citizen.

As for CHEX-SYSTEMS themselves. Well, I called the 800 number and I basically had 3 choices (talking to a live representative was not one of them), I could receive a copy of the report by #1 internet, #2 fax, #3 mail. Those were my 3 choices. I obviously knew what was in the report since there was no possible way that I could have had another bank report me to CHEX-SYSTEMS since I CANNOT open a checking account.

So, recently I called Washington Mutual to get my account reinstated. They told me since I went to ChexSystems, I couldnt get a bank account for about 5-7 YEARS! In the letter I got, there was nothing mentioning this at all. If i had any idea that this would happen I would of barrowed the money. I really need help with this. In this day and age there is no way I could live with out it. I feel this is very unfair and I need help.