cancel
Showing results for 
Search instead for 
Did you mean: 

WTH is up with my ChexSystems????

Frequent Contributor

Re: WTH is up with my ChexSystems????

I've been watching this thread out of curiosity..

So sorry for your troubles CC..Smiley Sad

 

A similar thing happened to me years ago,, about 15 iirc.

I applied for a checking account & was declined due to chexsystems..

I was really perplexed as I had no known issues. After investigating chexsys informed me I had two unpaid, bounced checks..

HUH? News to me. I immediately called a collection agency that "held" them and paid. They mailed the checks to me.

 

Well, well, well, those checks were NOT mine. I had never banked with that institution and never lived at the address on the checks.

"Twas a lady with the same name but NOT me. I went in person to the collection agency and had to argue like heck.

My ss# was different and other evidence, they refunded my money (had to wait a week for a check by mail, figures).

 

I then took that proof to the bank & they contacted chexsys on my behalf, got the error removed and opened my account. Yay. 

 

Granted, I hope things have improved since then but it shows these errors, snafus can happen.

I'm keeping my fingers crossed that yours is an easy fix!

GOOD LUCK, Cheers

Message 31 of 57
Moderator

Re: WTH is up with my ChexSystems????


@Pikaboo-icu wrote:

I've been watching this thread out of curiosity..

So sorry for your troubles CC..Smiley Sad

 

A similar thing happened to me years ago,, about 15 iirc.

I applied for a checking account & was declined due to chexsystems..

I was really perplexed as I had no known issues. After investigating chexsys informed me I had two unpaid, bounced checks..

HUH? News to me. I immediately called a collection agency that "held" them and paid. They mailed the checks to me.

 

Well, well, well, those checks were NOT mine. I had never banked with that institution and never lived at the address on the checks.

"Twas a lady with the same name but NOT me. I went in person to the collection agency and had to argue like heck.

My ss# was different and other evidence, they refunded my money (had to wait a week for a check by mail, figures).

 

I then took that proof to the bank & they contacted chexsys on my behalf, got the error removed and opened my account. Yay. 

 

Granted, I hope things have improved since then but it shows these errors, snafus can happen.

I'm keeping my fingers crossed that yours is an easy fix!

GOOD LUCK, Cheers


Thanks for the information.. Still awaiting my report slow people I tell you, think you would be able to get it online Smiley Sad..

 

I am hoping it isnt a mix-up like that or someone that moved into my old Apt I lived in that happened to be attached to my ChexSystems record that did something weird and attached to my profile or as you stated someone with the same name certainly could be it as well as my name is somewhat common..  I will just have to await the report as I know I did nothing wrong, whether it was a mistake or something else I am not sure, but regardless I should be able to get it cleared up as stated I certainly didn't do anything wrong.  Hopefully just not to big of headache whatever it might end up being as I certainly have never bounced a check in my adult life and I am no spring chicken at 44 Smiley Happy

Chase | Citibank | Amex | BofA | PenFed | NFCU | Discover | Barclay's | Fifth Third Bank | FNBO | BB&T
Message 32 of 57
Frequent Contributor

Re: WTH is up with my ChexSystems????


@CreditCuriosity 

@Pikaboo-icu .  Hopefully just not to big of headache whatever it might end up being as I certainly have never bounced a check in my adult life and I am no spring chicken at 44 Smiley Happy

 

Hey kid get offa my lawn. LOL

I got'cha beat by a couple years. Smiley Tongue

 

But I am a spring chicken- well summer maybe. 

GOOD LUCK, I'll be watching for an update. 

Message 33 of 57
Moderator

Re: WTH is up with my ChexSystems????

Sigh didn't come today and today was 5 business days 7 days since order.. Called them back and had it re-ordered although suspect it will probably come tomorrow, but better be safe than sorry they sounded kinda surpised it didnt arrive yet.  I have no clue why they cant say over phone if something "negative" is on it until I have the report, but they won't budge w/regards to that...  The waiting continues and update will come when i see what is so "awful"

Chase | Citibank | Amex | BofA | PenFed | NFCU | Discover | Barclay's | Fifth Third Bank | FNBO | BB&T
Message 34 of 57
Valued Contributor

Re: WTH is up with my ChexSystems????

You still working in it m8 wow, btw i did open today 5/3 ESSENTIAL CHECKING online was targeted email (they give me 200 bucks bonus code) did any of u did this one ? how ill work ,i did not park any money in account yet.

If You Don't Like Me & Still Watch Everthing i Do You Are a Fan

+++++Be Inspired But Don't Copy+++++



About to Enter the Garden from -------->7-20-2018 to 1-21-2019
Disclosure :Now if a lender starts tripping during this time then all bets are off !!!
Message 35 of 57
Senior Contributor

Re: WTH is up with my ChexSystems????

I just hit up Wells Fargo for a personal savings account. Just using it for an up and coming app next week. Lol
Jeeezzz..for a large bank their transfers are molasses slow.😂
The free FICO 9 Experian score is cool though!
That's four banks in a month. Some of the small CUs/Banks using Chex need to lighten up on the inq BS.




Message 36 of 57
Valued Contributor

Re: WTH is up with my ChexSystems????

Wells Fargo slow? nah m8 they just take the extra time to make/create more accounts under  yours.lol

If You Don't Like Me & Still Watch Everthing i Do You Are a Fan

+++++Be Inspired But Don't Copy+++++



About to Enter the Garden from -------->7-20-2018 to 1-21-2019
Disclosure :Now if a lender starts tripping during this time then all bets are off !!!
Message 37 of 57
Senior Contributor

Re: WTH is up with my ChexSystems????


@peghede wrote:

Wells Fargo slow? nah m8 they just take the extra time to make/create more accounts under  yours.lol


😂😂😂😂😂

They sure have been busy making them! USAA and Ally smokes them in  ACH transfers.

Even their Zelle transfers are woefully slow if initiated on their end.

 





Message 38 of 57
Super Contributor

Re: WTH is up with my ChexSystems????


@CreditCuriosity wrote:

Sigh didn't come today and today was 5 business days 7 days since order.. Called them back and had it re-ordered although suspect it will probably come tomorrow, but better be safe than sorry they sounded kinda surpised it didnt arrive yet.  I have no clue why they cant say over phone if something "negative" is on it until I have the report, but they won't budge w/regards to that...  The waiting continues and update will come when i see what is so "awful"


CC ... common now ... your reputation precedes you Smiley Frustrated Thanks to you ... have not received my report or scores yet and ordered them one day later!

Starting Score: 829 Fico TU08
Current Score: 835 Fico TU08
Goal Score: 850


Take the myFICO Fitness Challenge
Message 39 of 57
Moderator

Re: WTH is up with my ChexSystems????


@Dinosaur wrote:

@CreditCuriosity wrote:

Sigh didn't come today and today was 5 business days 7 days since order.. Called them back and had it re-ordered although suspect it will probably come tomorrow, but better be safe than sorry they sounded kinda surpised it didnt arrive yet.  I have no clue why they cant say over phone if something "negative" is on it until I have the report, but they won't budge w/regards to that...  The waiting continues and update will come when i see what is so "awful"


CC ... common now ... your reputation precedes you Smiley Frustrated Thanks to you ... have not received my report or scores yet and ordered them one day later!


Let me know if you receive yours.. 3-5 business days they say I call malarkey to their statement.. Not even if they said business days they I believe said 3-5 days....  I usually get my mail from the west coast in two-three days and I am pretty much on the other side of the country

Chase | Citibank | Amex | BofA | PenFed | NFCU | Discover | Barclay's | Fifth Third Bank | FNBO | BB&T
Message 40 of 57