Tried to open CU but denied due to CHEX SYS...

[Anonymous]

I already have USAA checking/savings for over 10 years but sometimes it's pain in the a$$ to mail deposit to Texas. So I tried to open a local credit union but they denied it due to Chex System. I requested a report from Chex System which I got in the mail today.

It was from other larger CU that reported

Date Reported: 10/17/2014

Reported for: ABUSE OF OVERDRAFT PROTECTION

Closure Status: UNPAID

Closure Status Date: 10/17/2014

Of course, I burned and included this larger CU for 15k credit card and $200 something in OD protection in my Chapter  BK (I told them to stop accepting any OD since they said they were going to freeze/close my account but they kept accepting auto-debit twice from my Insurance policy which I had to force Insurance to switch to my USAA for the upteeth time!! I was going to pay this larger CU $200ish but my attorney told me it not to pay them since it is included in BK so I let it go.

So, now I can't open (looks like) any banks because of Chex System. I did NOT abuse overdraft protection! So what are my options? When will this fall off my Chex System report if left unpaid? Any advice(s) are welcome!

Thanks!

[CH-7-Mission-Accomplished]

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@Anonymous wrote:

I already have USAA checking/savings for over 10 years but sometimes it's pain in the a$$ to mail deposit to Texas. So I tried to open a local credit union but they denied it due to Chex System. I requested a report from Chex System which I got in the mail today.

It was from other larger CU that reported

Date Reported: 10/17/2014

Reported for: ABUSE OF OVERDRAFT PROTECTION

Closure Status: UNPAID

Closure Status Date: 10/17/2014

Of course, I burned and included this larger CU for 15k credit card and $200 something in OD protection in my Chapter  BK (I told them to stop accepting any OD since they said they were going to freeze/close my account but they kept accepting auto-debit twice from my Insurance policy which I had to force Insurance to switch to my USAA for the upteeth time!! I was going to pay this larger CU $200ish but my attorney told me it not to pay them since it is included in BK so I let it go.

So, now I can't open (looks like) any banks because of Chex System. I did NOT abuse overdraft protection! So what are my options? When will this fall off my Chex System report if left unpaid? Any advice(s) are welcome!

Thanks!

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I have read several reports of people getting their Chex systems entries cleared by sending a copy of the BK paperwork to Chex showing that that debt was discharged.  Chex routinely then just deletes the entry entirely.

Please try it.  Based on what others have said, I believe it will work for you.

[ashjt2011]

I can verify that this does indeed work. Had two accounts on my Chex system, one was something about overdrafts and the other was a complete charge off. I sent in my chapter 7 paperwork and got something back two weeks later saying everything was removed from my Chex systems. didn't have a problem bringing this in and getting a checking at my local credit union.

[Anonymous]

CH-7-Rebuilding,

Thanks! I'll give it a try!

[Anonymous]

tjash2011,

Thanks! I will make a copy of my discharge and mail it to Chex System tomorrow and then see what happens. Once it comes off I will re-apply CU here which is basically around the corner from my place :-)

Cheers!

[DiamondDan73]

It does work. I removed 4 Chex accounts deleted.

[notpaul]

I faxed them a copy of my DC, and they deleted everything.

[Anonymous]

Before I send them DC paper, does it have to list debt discharged to that checking account/overdraft protection?

Thanks all!

[notpaul]

That one account I had on it wasn't in my bk7. After reading about it on here, I requested a report, then when I got it I basically just faxed them a hand written letter asking them to delete the one account listed, attached the discharge order, and a few weeks later they returned a letter in the mail letting me know the report was updated. There is nothing on my chex report now.

[Safe4Me2]

Great news!
Silly question, would this work with an account that wasn't included in Ch7? The reason why I didn't include it was because it was a joint account with my mom and wanted to let sleeping dogs lie. I didn't want them to start hounding my mother. Now that we both are in a better position, I wound't mind sending them a letter or even offering a settlement. I just want that account removed from Chex Systems.