@boelshine wrote:The account went negative due to a fraudulent transaction from a merchant, after I had cancelled a subscription. Then I was unexpectedly assessed 2 overdraft fees and US Bank closed my account without giving me notice that my account was charged/overdrafted. Isn't that a valid reason to dispute it?
The listing is accurate, so disputing with Chex isn't going to help.
To change what US Bank's understanding of the events are, your best avenue to discuss it with US Bank themselves, using the facts you presented here:
US Bank charged me two overdraft fees X and Y. These overdraft fees would not have occurred and my bank account would have remained current if not for the transaction(s) US Bank determined as fraudulent Z, A.
ie. If it wasn't for the fraud, I never would have overdrafted.
Because of this, a listing has been made on my Chexreport for these overdraft fees and subsequent account closing. Would US Bank be willing to look into what happened and remove their Chexreport listing as a result of the circumstances surrounding these overdraft fees as because of the fraudulent transactions, they never should have been applied to my account in the first place.
Freeze your Chexsystems file and try again. I saw that suggestion on another website.
