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ChexSystems Solutions - Second Chance Checking Banks

Ask for Advice

Here you can ask for advice about ChexSystems. If you have a question, please use the form below to start the discussion.



23 Comments to “Ask for Advice”

  1. ILAN says:
    December 6, 2011 at 3:53 pm

    I WAS A REAL VICTIM OF FRAUD,
    BANK OF AMERICA, SUSPENDED MY ACCOUNT,
    TOOK MY MONEY, AND SEND ME DEBT WITH A THREAT TO REPORT TO CHEX SYSTEM,
    I AM LOOKING FOR A REAL SOLUTION,
    I HEARD MANY ISSUES WITH BOA, DID NOT THINK THAT THIS IS THE ATTITUDE,
    PLEASE ADVISE.

    Reply
  2. Richard says:
    August 22, 2011 at 5:40 pm

    I just recently discovered that I have been in Chexsystems since April 2007. That being said, I contacted my original financial institution and paid-off all of the monies owed them. Is there any way that I can now get out of Chexsystems? Where do I start? It would be nice to have convenient buying power again. Thanks for your help.

    Reply
  3. mary says:
    August 16, 2011 at 8:43 am

    if i paid off the bank i owed, will i still be on chexsystem and can i open a account!?!

    Reply
  4. Mike says:
    August 10, 2011 at 1:17 pm

    I have owned a Wells Fargo checking account since May 2010, and it is in good standing. Over this summer, I opened a BofA account as well, but I was charged-off for a negative balance, and it was reported to ChexSystems as fraud. I opened an account at Chase right after the account was closed, but they cancelled my account as well, even though it was in good standing. Was this due to the Chase account being new, and the negative information from ChexSystems being so recent? Will WF close my account too, even though it has been established for over a year? Please help…

    Reply
  5. Indra says:
    August 5, 2011 at 10:21 am

    I was recently overdrafted on a checking account I have paid in full to the bank I had open another account in a different branch they tell me I have a lock on my account I would like the lock taken off my Accounts so I canwrite checks for my bills What do I do

    Reply
  6. patricia says:
    July 8, 2011 at 8:00 am

    Has anyone opened an account with ing direct?

    Reply
  7. ken says:
    June 23, 2011 at 3:28 pm

    hi boa reported me for suspicion of fraud even thought they mailed me a letter stating i found not at fault i lost my wallet with all my info and they deposited checks in my account i had them for 3 yrs and never had a problem til that happened please help

    Reply
    • admin says:
      June 24, 2011 at 8:58 am

      Well, if you have evidence from B of A that clears your name, I would get in touch with ChexSystems and send them that proof. If B of A found you not to be liable for the abuse on your account, they should be the one proactively trying to clear your name.

      Unfortunately, the level of customer service in this country has gone down the drain over the past several years, along with the economy.

      Reply
  8. jason says:
    June 15, 2011 at 1:51 pm

    i recently was reported to chex system from u.s bank on a business checking i went to other banks like credit union or second chance banks that they claim no chex system required i’m sorry to say all these banks are bunch of liars at the mean time i’m stuck with no bank i have 12 employees and merchant credit cards and i don’t know what to do and that report was an honest mistake and my balance with bank is 0 and still shows unpaid

    Reply
    • admin says:
      June 16, 2011 at 9:53 pm

      Hi Jason,

      Sorry to hear about your situation. Have you tried talking to the manager of the bank of that reported you? If there is a reasonable explanation as to why you were overdrawn on your account, there’s a chance that they may request the removal of your name from ChexSystems.

      The only other option is to file a dispute with ChexSystems, but if the information contained in your file is correct and ChexSystems abides by all the laws, then there is nothing legal you can do to remove your name.

      I would check out some of the banks that are listed on this site to see if you can find a bank that doesn’t use ChexSystems.

      Good luck!

      Reply
  9. ellie says:
    April 7, 2011 at 11:11 am

    How do I find out whether I am on chexsystems without going to a bank and trying to set-up an account. I would like to avoid the embarassment If I am. BOA closed an account of mine a couple of years ago. I would like to request a report from them.

    Reply
  10. LaFondria says:
    March 31, 2011 at 6:39 am

    I would like to know how can I go about getting my name cleared so that I can get and keep an account open. I just recently opened an account with Bank of America and I had it for about 3 weeks, then all of a sudden it was closed without my knowledge. When I went to the bank to find out what was going on I was told it was because of my chexsystems report. I do not know what to do. Please give me some advice.

    Reply
    • admin says:
      March 31, 2011 at 7:43 am

      Hi LaFondria,

      Unfortunately, some banks occasionally run ChexSystems on their existing customers to see who has a ChexSystems record. I’m not sure why they opened your account in the first place if they ran an initial report.

      At this point, if you’re set on clearing your name from ChexSystems, you have 2 options:

      1. Contact the bank that reported you and see if they’re willing to remove your name for you.

      2. File a dispute with ChexSystems.

      Odds are against you for either option. If you are unsuccessful with these 2 options, you have no choice but to settle for a bank that does not use ChexSystems or find a bank that offers Second Chance Checking.

      Reply
    • Shay says:
      April 3, 2011 at 9:14 am

      Based on my experience with Bank of America: All results are different. I have a account with them and been paid off. But still shows on chexsystem that it is still open. I went to the bank to get a copy of the paid off receipt. They mailed it to me and mailed it to chexsystem and it still show that it not paid off. But if you decide to go into a bank that uses chexsystem and you have already paid off that amount. You can always take in your receipt showing that it is paid off and The bank “may possibly” open an account for you. If the rep can’t do it, talk with an branch manager. But keep in mind it up the the discretion of the bank. There are second chance banking, so you may have to go that route.

      Reply
  11. Jeremy says:
    February 4, 2011 at 1:52 pm

    Any advice for being put into a situation where you have been reported to ChexSystems because you were either physically unable or mentally unfit to close an account/stop automatic payments/etc. Such as being committed to a hospital for debilitating injury or severe mental failure, or time spent in jail with unreliable phones/directories etc.

    Reply
    • admin says:
      March 2, 2011 at 10:24 am

      If you were reported due to a situation beyond your control, I would advise you to talk to the branch manager of the bank that reported you. Explain to them your situation. Branch managers have the authority to remove you from ChexSystems, so being honest with them may help your case.

      Reply
    • Christiana says:
      September 7, 2011 at 5:50 pm

      I was so confused about what to buy, but this makes it undestradnalbe.

      Reply
  12. maryanne says:
    December 7, 2010 at 1:07 pm

    i would like to know how my name can be removed from your systems. so i can open up an account. apprently i was trying to open up an account with another bank and upon opening up the account. i was told that i was put through a collection agency. i believe tha it was bank of america that put me through a collection agency. i have paid that account in full along time ago and i would like to have my name cleared so i can pay my medical bills on time.

    Reply
  13. Noel Brown says:
    November 29, 2010 at 11:36 am

    How do I obtain my Chex Systems report?

    Reply

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