Chex Systems is just the latest way for banks to bully consumers. If you have a charge off, Chex Systems will block you from being able to open a bank account anywhere in the country, yet, you can't resolve the charge off with them. Evil system to punitively harm consumers for minor debts to banks.
Chex Systems, Inc(Chex) has reviewed the complaint filed by this consumerChex is a nationwide specialty consumer reporting agency under the federal Fair Credit Reporting Act (FCRA)Chex services primarily assist its clients in assessing the risk of opening new accounts When providing this service Chex abides by the requirements of the FCRA and any applicable state statutes Chex neither approves nor declines accounts for our clients The decision to open an account is entirely up to an institution and its policies In response to an inquiry made by a client, Chex may return a message of approve or decline on the screen but the message is based on the parameters chosen by the financial institution based on their policiesWhile the number of inquiries may be used in assessing the risk of opening an account, as explained above, Chex does not make account opening decisions for its clients, and therefore, cannot determine why the bank declined the account applicationOur records show that during the consumer's 1/29/conversation with a representative, she requested a call back from a supervisor When the supervisor accessed her file to return the call, he discovered that the consumer had called back on 1/30/and had already spoken with another supervisor, so no additional attempts were made to contact the consumerThe complaint references lien information shared with Chex by Lexis Nexis, and states that the liens reported have been released Based on this dispute, the consumer's file has been forwarded to the appropriate personnel for handlingWe will contact Lexis Nexis to notify them of the dispute and will request that they investigate the accuracy of the information they shared with usChex will notify the consumer of the results of the investigation once it is completed
Chex Systems, Inc(Chex) has reviewed the complaint filed by this consumer Chex is a nationwide specialty consumer reporting agency under the federal Fair Credit Reporting Act (FCRA)Chex provides services to financial institutions and other types of companies that have a permissible purpose under the FCRAChex' services primarily assist its clients in assessing the risk of opening new accounts When providing this service Chex abides by the requirements of the FCRA and any applicable state statutes Our records indicate that the consumer submitted disputes of multiple inquiry records on March 19, and March 29, As is our standard practice when a consumer dispute is received, Chex notified each source of the dispute and requested that they investigate the accuracy of their inquiry information While some of the inquiries were removed either at the request of the financial institution or because we did not receive a response to our request for reinvestigation within the required time frame, the remaining disputed inquiries were verified to be accurate Chex notified the consumer of the results of each investigation and, where applicable, notified the consumer that should he wish Chex to pursue the matter further, in accordance with the Fair and Accurate Credit Transactions Act, we must first receive a copy of a valid police report that clearly supports his claimWith respect to the consumer's claim that Chex is purposely preventing him from opening bank accounts, Chex neither approves nor declines accounts for its clients While Chex may return a message of approve or decline in response to an inquiry, the message is based on the parameters chosen by the financial institution They use the information Chex provides to determine the risk of opening an account but the decision is based on their internal policies and thresholds The number or frequency of inquiries may impact account opening decisions
Chex Systems, Inc(ChexSystems) has reviewed the complaint filed by this consumer Based on the content of the complaint we are unsure if the consumer is disputing information on our files or complaining about services provided by ChexSystems It appears the complaint is regarding the security breach at Equifax ChexSystems is not associated with Equifax and the consumer's information on file at ChexSystems is not impacted by that breach If the consumer would like to speak with someone at ChexSystems she may call [redacted] and select option to reach a representative She may also visit our website at www.chexsystems.com to obtain information about ChexSystems, to review the answers to frequently asked questions or to submit a request for a copy of her consumer disclosure report If the consumer is saying she received a communication regarding the Equifax breach from a company claiming to be ChexSystems, we encourage her to be very cautious and not provide any personal information in response because ChexSystems did not send such a communication
Initial Business Response / [redacted] (1000, 5, 2015/08/07) */ Chex Systems, Inc(ChexSystems) has reviewed the complaint filed by this consumer ChexSystems provides deposit account verification services to its member financial institutions to aid them in identifying account applicants who may have a history of account mishandlingIn providing this service, ChexSystems abides by the Federal Fair Credit Reporting Act and any applicable state statutesChexSystems neither approves nor declines accounts for our membersThe decision whether or not to open an account is entirely up to an institution and its individual policies Our records indicate that we have not received a dispute from the consumer, however, we have received and responded to two requests for a copy of his consumer disclosure reportThe reports mailed to the consumer clearly show record of multiple Inquiries Initiated By Consumer Action, which refer to inquiries resulting from transactions initiated by the consumerThis may include completing an application at a financial institutionRecord of these inquiries is part of a consumer's credit history and may be included in our reports to others If the consumer disputes the completeness or accuracy of the information in his consumer disclosure report, he has the right to submit a dispute directly to the source of the informationHowever, if he prefers ChexSystems will be happy to contact the source on his behalf to initiate an investigationHe may submit a dispute by mail at Chex Systems, Inc., Attn: Consumer Relations, [redacted] , Woodbury, MN, or by fax at (602) [redacted] He may also contact our office by calling [redacted] and selecting the option to speak with a representativeWhen submitting a dispute, we ask that the consumer provide the specific nature of the dispute as well as a description of the item(s) being disputedUnder circumstances, investigations are completed within approximately thirty days (twenty one days for residents of Maine) Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/08/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not have accounts which were mishandled nor in current debtThe only thing I will agree is that I have been attempting to open a savings account, and each financial institution using Chex Systems have declinedI was not aware it was suspicious or illegal to attempt opening a savings account, and I do not know why Chex Systems does not notify the consumer and instead opts to erroneously have information about a person like multiple namesBecause of Chex Systems I had one account in good standing suspended, and another one on holdBoth of them pointed to Chex Systems, and only when I presented myself at a branch with passport and id, was the hold and suspension liftedI haven't heard of this organization before and I am really upset that because of whatever erroneous information Chex System has which is not supposed to, I was subjected to discrimination based on ethnicityOne "fraud investigator" went so far to say that "Spanish people" use multiple names and accountsI also have made requests to Chex Systems and this is correct, and so far have received nothing so that I can dispute the criminal factor they have of me in opening an accountThere are politicians with many bank accounts, and some overseas and I am sure Chex "systems" do not check their true illegal activity Final Business Response / [redacted] (4000, 9, 2015/08/11) */ Chex Systems, Inc(ChexSystems) has reviewed the additional complaint filed by this consumer As we stated in our initial response, ChexSystems neither approves nor declines accounts for our membersThe decision whether or not to open an account is entirely up to an institution and its individual policies Please be informed that our records do not include multiple names for this consumerOnly the first and last name listed with his complaint is listed with the inquiry information on our files Also as we stated in our initial response, we have provided the consumer with copies of his consumer disclosure reportIf the consumer disputes the completeness or accuracy of the information in his consumer disclosure report, he has the right to submit a dispute directly to the source of the informationHowever, if he prefers ChexSystems will be happy to contact the source on his behalf to initiate an investigationHe may submit a dispute by mail at Chex Systems, Inc., Attn: Consumer Relations, [redacted] , Woodbury, MN, or by fax at (602) [redacted] He may also contact our office by calling [redacted] and selecting the option to speak with a representativeWhen submitting a dispute, we ask that the consumer provide the specific nature of the dispute as well as a description of the item(s) being disputedUnder circumstances, investigations are completed within approximately thirty days (twenty one days for residents of Maine)
Chex Systems, Inc(ChexSystems) has reviewed the complaint filed by this consumer Our records indicate that on April 25, 2016, ChexSystems received communication from the consumer, which included a dispute of account information reported to ChexSystems that was of the same nature as the complaint As is our standard practice when a consumer dispute is received, ChexSystems placed the reported information in a disputed status and sent a letter to notify the consumer of our intent to investigate We notified the reporting financial institution of the dispute and requested that they investigate the accuracy of the information they submitted The financial institution responded to ChexSystems and verified the disputed information to be accurate as reported ChexSystems mailed a letter to notify the consumer of the results of the investigation The letter informed the consumer that the financial institution requested he contact them to obtain additional account information and provided a telephone number for themThe letter also explained that if requested by the consumer, ChexSystems will provide a description of the procedure used to determine the accuracy of the disputed information in his file and that he is entitled to request and receive the business name, address and, if reasonably available, the telephone number, of any furnisher of information contacted in connection with the investigation Finally, the letter explained that he is entitled to add a statement to his file disputing the accuracy or completeness of the information and provided instructions on how he could submit a statement should he wish to do so Reported information is retained on ChexSystems files for a period of five years unless the source of the information requests its removal prior t that time or ChexSystems becomes obligated to remove it under applicable law or policy Please note that the disputed information is dated in September 2011, therefore, is due to purge our files next month
Chex Systems, Inc(ChexSystems) has reviewed the complaint filed by this consumer Our records indicate that we have not received a dispute of the information submitted by Wilmington Savings Fund Society directly from the consumer, however, based on the content of the initial complaint he filed with the Consumer Financial Protection Bureau, we contacted Wilmington Savings Fund Society to request that they investigate the accuracy of the information they submitted to us The financial institution verified the disputed information to be accurate, and requested that the consumer contact them directly should he wish to pursue this matter directly with them Wilmington Savings Fund Society confirmed that the consumer had filed a claim with them and they investigated it but did not deem it as fraud They forwarded a copy of the signature card, statements, and deposits to ChexSystems and the documentation was provided in our correspondence to the consumer We also informed him that should he wish ChexSystems to pursue the matter further, we must first receive a copy of a valid police report to support his claim As of this date, ChexSystems has not received a police report from the consumer
Chex Systems, Inc(ChexSystems) has reviewed the follow up complaint filed by this consumer As stated in our initial response, there are multiple inquiry records on the consumer's file, however, there is no information that would be affected by a bankruptcy filing If the consumer would like to receive a copy of her consumer disclosure report from ChexSystems, she may submit a request through our website at www.chexsystems.com, by voice messaging at ###-###-####, by fax to ###-###-#### or by mail at Chex Systems, Inc., Attn: Consumer Relations, [redacted] Woodbury, MN, Once she reviews her report, if she disputes any information on her file she has the right to submit a dispute directly to the source of the information However, if she prefers, ChexSystems will contact the source(s) on her behalf to initiate an investigation She may submit a dispute through website, by fax or by mail She may also contact our office by calling ###-###-#### and selecting option to speak with a representative If the nature of the dispute involves identity theft or fraud, she will be required to submit the dispute via the website or in writing by mail or fax We ask that she provide the specific nature of the dispute as well as a description of the item(s) being disputed Under circumstances, investigations are completed within approximately thirty days (twenty one days for residents of Maine)
Initial Business Response / [redacted] (1000, 5, 2015/06/12) */ Chex Systems, Inc(ChexSystems) has reviewed the complaint filed by this consumerOur records indicate that within the past five years, we have received three requests for a copy of his consumer disclosure report from the consumerAll three requests were received via our websiteThe first was received February 20, and the report was mailed to him on February 23, The second was received on April 5, and the report was mailed to him on April 6, The third was received June 8, and the report was mailed to him the same dayAll reports were mailed to the addresses the consumer provided at the time of the requests Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/06/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do appreciate the responseUnfortunately though I have not received anything since the request in 02/Address provided on the most recent requests in was accurate If records indicate that a report was mailed on "February 23, 2015" and "April 5, 2015" then we also have a concern regarding disclosure of personal identifiable information without my direct authorization - simply said - if no report came to me then I am curious as to who you did send it to Final Business Response / [redacted] (4000, 9, 2015/06/16) */ Chex Systems, Inc(ChexSystems) has reviewed the additional comments made by this consumer regarding our initial response to his complaintIn order to protect the consumer's privacy, ChexSystems cannot post to this website the address information provided to us in his requests for disclosure of his reports, however, the consumer may contact us by telephone at [redacted] , by mail at Chex Systems, Inc., Attn: Consumer Relations, [redacted] , Woodbury, MN, 55125, or by fax at [redacted] , and we would be happy to inform him of when and and to what addresses his consumer disclosure reports were sent
Chex Systems, Inc(ChexSystems) has reviewed the complaint filed by this consumerOur records indicate that we have received multiple communications from the consumer dating back several yearsThe most recent communication from the consumer did include a dispute of information stating that there were multiple inquiries on her consumer file that were not factual and she requested they be removed, however, it did not specify which inquiry information was disputedIncluded with the dispute was a copy of a police report listing several companies with which the consumer disputed having attempted to do businessThe consumer also requested that a security freeze be placed on her consumer fileChexSystems placed the security freeze as she requested and mailed a letter to the consumer confirming that action had been takenChexSystems also mailed a letter to inform the consumer that we have no record of inquiries made by the companies listed in the police reportA copy of her consumer disclosure report was included with the letterIf the consumer disputes any of the information contained in her consumer file she may submit a dispute to usShe may submit her dispute by visiting our website at www.chexsystems.com, by mail at the address listed in the letterhead of the correspondence she has received from us, or by fax at ###-###-####We ask that she provide the specific nature of the dispute and that she identify the item(s) being disputedUnder circumstances, investigations are completed within approximately thirty days (twenty one days for residents of Maine)If the consumer believes the disputed information is a result of identity theft, we suggest that she obtain a new or an amended police report to include reference of the disputed information contained in her ChexSystems fileOnce we have received the dispute and/or the new or amended police report we will inform the consumer of any additional actions taken
Chex Systems, Inc(ChexSystems) has reviewed the additional complaint filed by this consumer A letter has been mailed to the consumer explaining that ChexSystems does not communicate with consumers via email or unsecured fax, therefore, we are mailing her a copy of the letter initially sent to her on February 1, 2018, which notified her of the results of an investigation We explained that the information contained in the consumer disclosure report that was enclosed with that response may have changed and provided instructions on how she can submit a request for a current copy of her consumer disclosure report
Chex Systems, Inc(ChexSystems) has reviewed the complaint filed by this consumer Our records indicate that we have had multiple communications with her We have explained that there is information on our files that is similar to hers, however, the Social Security number listed on the reported information does not match the number she provided to us The information in question continues to be linked to the consumer because it lists the same name, address and date of birth provided to us by this consumer ChexSystems did initiate an investigation of the reported information and it has been verified by the source to be accurate Should the consumer wish ChexSystems to pursue the matter further, we can only suggest that she contact her local police department and obtain a copy of a valid police report that clearly supports a claim of identity theft/fraud since the reported information does include her name, her previous address and her date of birthOnce we have received the police report, we will be happy to review the situation further and will inform the consumer of any actions taken
Chex Systems, Inc(ChexSystems) has reviewed the complaint filed by this consumerOur records indicate the consumer has contacted us directly about her bankruptcy filing and we have informed her that the information currently listed in her consumer file was reported after her bankruptcy filing and therefore, is not affected by the filingThere is no information in the consumer's file reported by the financial institution referenced in the complaint
Chex Systems, Inc(ChexSystems) has reviewed the complaint filed by this consumer ChexSystems is a nationwide specialty consumer reporting agency under the federal Fair Credit Reporting Act (FCRA)ChexSystems provides services to financial institutions and other types of companies that have a permissible purpose under the FCRAChexSystems' services primarily assist its clients in assessing the risk of opening new accounts ChexSystems neither approves nor declines accounts for our membersThe decision whether or not to open an account is entirely up to an institution and its individual policies When providing this service ChexSystems abides by the requirements of the FCRA and any applicable state statutes ChexSystems' clients regularly contribute information on closed checking and savings accounts, referred to as Reported information Reported information pertains to accounts reported for mishandling, closed for cause, and/or suspected fraud activity This information is submitted directly to ChexSystems by its clients, which consist mainly of financial institutions ChexSystems' current practice is to retain reported information on file for a period of five years unless the source of the information requests its removal or ChexSystems becomes obligated to remove it under applicable law The reporting member institution is under no obligation to remove accurate information, even after payment of monies owed However, the member is obligated to update the report with a paid in full or settled in full date when applicable In addition, the original charge off amount associated with the reported information submitted by Bank of America is not an indication of an outstanding debt The Original Charge Off Amount represents the amount reported by the source as the loss they experienced related to the reported account If the consumer disputes the accuracy or completeness of the information in her consumer file, she has the right to submit a dispute directly to the source of the information However, if she prefers, ChexSystems will be happy to contact the source on her behalf to initiate an investigation She may submit a dispute by visiting our website at www.chexsystems.com, by mail at Chex Systems, Inc., Attn: Consumer Relations, [redacted] Woodbury, MN, or by fax at ###-###-#### She may also contact our office by calling ###-###-#### and selecting option to speak with a representative Under circumstances, investigations are completed within approximately thirty days (twenty one days for residents of Maine)
Chex Systems, Inc(ChexSystems) has reviewed the complaint filed by this consumer ChexSystems has taken action to remove one of the inquiries referenced in the complaint A letter has been mailed to notify the consumer of the action taken and to provide an updated copy of his consumer disclosure report
Initial Business Response / [redacted] (1000, 5, 2015/12/16) */ Chex Systems, Inc(ChexSystems) has reviewed the complaint filed by this consumerPlease be informed that based on the information provided in the complaint, ChexSystems is unable to locate record of communication received directly from the consumer and is unable to identify any information contained in his consumer fileIf the consumer would like to submit a request for a copy of his ChexSystems consumer disclosure report he may do so by visiting our website at www.chexsystems.com, by voice messaging at [redacted] , by mail at Chex Systems, Inc., Attn: Consumer Relations, [redacted] , Woodbury, MN, 55125, or by fax at [redacted] In order for ChexSystems to properly identify any information contained in the consumer's file we ask that he provide the following information: Full name, Social Security number, date of birth, driver's license or state identification number and state of issuance, current address and any other address used in the past five yearsBy submitting his personal information to ChexSystems, the consumer acknowledges his agreement to provide accurate identifying information and his understanding that ChexSystems may access, store, and use this information to the extent permitted by lawA copy of his consumer disclosure report will be mailed to the consumer within five business days of our receipt of his requestOnce the consumer receives a copy of his consumer disclosure report, if he disputes any information contained in his file he has the right to submit a dispute directly to the source of the informationHowever, if he prefers ChexSystems will be happy to contact the source on his behalf to initiate an investigationHe may submit a dispute using the website referenced aboove, or in writing at the address or fax number listed aboveHe may also contact our office by calling [redacted] and selecting the option to speak with a representativeWe ask that he provide the specific nature of his dispute as well as a description of the item being disputedUnder circumstances, investigations are completed within approximately thirty days (twenty one days for residents of Maine) Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/12/17) */ (The consumer indicated he/she DID NOT accept the response from the business.) dose help take it off my file what shoulnt be on it and there not helping dont help sice can open bank acc now
Chex Systems, Inc(Chex) has reviewed this complaintOur records indicate that we have initiated three investigations of the information previously submitted by Woodforest National Bank (the bank) The first in 6/after having been informed of the dispute through a complaint submitted to the cfpb, the second in 7/17, and the third in 8/upon receipt of communications directly from the consumer On all three occasions, the bank verified the information to be accurate and in 8/they provided a copy of the signature for the consumer's review Since that time, the account information previously submitted by the bank has been removed from the consumer's file because the retention period has expired The only names currently listed in the consumer's file are variations of the name he has provided We show his first, middle and last name, his first name, middle initial and last name, and his first and last name Our records did previously include a name variation with a different middle initial, however, that name variation was removed based on a dispute previously received from the consumerThe disputed address information is associated with disputed inquiries, which have previously been verified by the source to be accurate Chex has explained to the consumer that in accordance with the FCRA, he may provide a copy of a valid police report that clearly supports his claim of identity theft or fraud Once we have received the police report, we will be happy to review the situation further to determine if the disputed information can be removed based on the police report As of this date, Chex has not received a police report from the consumerChex has recently received notice of a dispute of inquiries on the consumer's file from a reseller, Factor Trust, and an investigation of the disputed inquiries has been initiated Chex will respond to the reseller and they will notify the consumer once the investigation is complete
Chex Systems, Inc(ChexSystems) has reviewed the follow up complaint filed by this consumer We have attached a copy of the illegible police report narrative for your reviewAs previously stated, if the consumer would like to resubmit a legible copy of the police report, ChexSystems would be happy to review that document and inform him of any actions taken In the meantime, we will continue with the investigation process and will inform him of the results of the investigations as they are completed The complaint states that he has provided multiple notarized affidavits Our records show that we have received notarized dispute correspondence from the consumer, however, we have no record of receiving notarized identity theft or fraud affidavitsOur records indicate that the consumer requested "method verification" in his correspondence dated March 15, 2017, which was received in our office on March 20, It is our standard practice to provide the description of the procedure used to verify disputed information upon the completion of the investigation However, based on his reference to this in the complaint, ChexSystems has mailed a letter to him today, March 29, 2017, to provide that information to him
I am rejecting this response because:What is phone number where I can reach a human
Chex Systems, Inc(Chex) has reviewed the complaint filed by this consumerChex is a nationwide specialty consumer reporting agency under the federal Fair Credit Reporting Act (FCRA)Chex services primarily assist its clients in assessing the risk of opening new accounts When providing this service Chex abides by the requirements of the FCRA and any applicable state statutes Chex neither approves nor declines accounts for our clients The decision to open an account is entirely up to an institution and its policies In response to an inquiry made by a client, Chex may return a message of approve or decline on the screen but the message is based on the parameters chosen by the financial institution based on their policiesWhile the number of inquiries may be used in assessing the risk of opening an account, as explained above, Chex does not make account opening decisions for its clients, and therefore, cannot determine why the bank declined the account applicationOur records show that during the consumer's 1/29/conversation with a representative, she requested a call back from a supervisor When the supervisor accessed her file to return the call, he discovered that the consumer had called back on 1/30/and had already spoken with another supervisor, so no additional attempts were made to contact the consumerThe complaint references lien information shared with Chex by Lexis Nexis, and states that the liens reported have been released Based on this dispute, the consumer's file has been forwarded to the appropriate personnel for handlingWe will contact Lexis Nexis to notify them of the dispute and will request that they investigate the accuracy of the information they shared with usChex will notify the consumer of the results of the investigation once it is completed
Chex Systems, Inc(Chex) has reviewed the complaint filed by this consumer Chex is a nationwide specialty consumer reporting agency under the federal Fair Credit Reporting Act (FCRA)Chex provides services to financial institutions and other types of companies that have a permissible purpose under the FCRAChex' services primarily assist its clients in assessing the risk of opening new accounts When providing this service Chex abides by the requirements of the FCRA and any applicable state statutes Our records indicate that the consumer submitted disputes of multiple inquiry records on March 19, and March 29, As is our standard practice when a consumer dispute is received, Chex notified each source of the dispute and requested that they investigate the accuracy of their inquiry information While some of the inquiries were removed either at the request of the financial institution or because we did not receive a response to our request for reinvestigation within the required time frame, the remaining disputed inquiries were verified to be accurate Chex notified the consumer of the results of each investigation and, where applicable, notified the consumer that should he wish Chex to pursue the matter further, in accordance with the Fair and Accurate Credit Transactions Act, we must first receive a copy of a valid police report that clearly supports his claimWith respect to the consumer's claim that Chex is purposely preventing him from opening bank accounts, Chex neither approves nor declines accounts for its clients While Chex may return a message of approve or decline in response to an inquiry, the message is based on the parameters chosen by the financial institution They use the information Chex provides to determine the risk of opening an account but the decision is based on their internal policies and thresholds The number or frequency of inquiries may impact account opening decisions
Chex Systems, Inc(ChexSystems) has reviewed the complaint filed by this consumer Based on the content of the complaint we are unsure if the consumer is disputing information on our files or complaining about services provided by ChexSystems It appears the complaint is regarding the security breach at Equifax ChexSystems is not associated with Equifax and the consumer's information on file at ChexSystems is not impacted by that breach If the consumer would like to speak with someone at ChexSystems she may call [redacted] and select option to reach a representative She may also visit our website at www.chexsystems.com to obtain information about ChexSystems, to review the answers to frequently asked questions or to submit a request for a copy of her consumer disclosure report If the consumer is saying she received a communication regarding the Equifax breach from a company claiming to be ChexSystems, we encourage her to be very cautious and not provide any personal information in response because ChexSystems did not send such a communication
Initial Business Response / [redacted] (1000, 5, 2015/08/07) */ Chex Systems, Inc(ChexSystems) has reviewed the complaint filed by this consumer ChexSystems provides deposit account verification services to its member financial institutions to aid them in identifying account applicants who may have a history of account mishandlingIn providing this service, ChexSystems abides by the Federal Fair Credit Reporting Act and any applicable state statutesChexSystems neither approves nor declines accounts for our membersThe decision whether or not to open an account is entirely up to an institution and its individual policies Our records indicate that we have not received a dispute from the consumer, however, we have received and responded to two requests for a copy of his consumer disclosure reportThe reports mailed to the consumer clearly show record of multiple Inquiries Initiated By Consumer Action, which refer to inquiries resulting from transactions initiated by the consumerThis may include completing an application at a financial institutionRecord of these inquiries is part of a consumer's credit history and may be included in our reports to others If the consumer disputes the completeness or accuracy of the information in his consumer disclosure report, he has the right to submit a dispute directly to the source of the informationHowever, if he prefers ChexSystems will be happy to contact the source on his behalf to initiate an investigationHe may submit a dispute by mail at Chex Systems, Inc., Attn: Consumer Relations, [redacted] , Woodbury, MN, or by fax at (602) [redacted] He may also contact our office by calling [redacted] and selecting the option to speak with a representativeWhen submitting a dispute, we ask that the consumer provide the specific nature of the dispute as well as a description of the item(s) being disputedUnder circumstances, investigations are completed within approximately thirty days (twenty one days for residents of Maine) Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/08/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not have accounts which were mishandled nor in current debtThe only thing I will agree is that I have been attempting to open a savings account, and each financial institution using Chex Systems have declinedI was not aware it was suspicious or illegal to attempt opening a savings account, and I do not know why Chex Systems does not notify the consumer and instead opts to erroneously have information about a person like multiple namesBecause of Chex Systems I had one account in good standing suspended, and another one on holdBoth of them pointed to Chex Systems, and only when I presented myself at a branch with passport and id, was the hold and suspension liftedI haven't heard of this organization before and I am really upset that because of whatever erroneous information Chex System has which is not supposed to, I was subjected to discrimination based on ethnicityOne "fraud investigator" went so far to say that "Spanish people" use multiple names and accountsI also have made requests to Chex Systems and this is correct, and so far have received nothing so that I can dispute the criminal factor they have of me in opening an accountThere are politicians with many bank accounts, and some overseas and I am sure Chex "systems" do not check their true illegal activity Final Business Response / [redacted] (4000, 9, 2015/08/11) */ Chex Systems, Inc(ChexSystems) has reviewed the additional complaint filed by this consumer As we stated in our initial response, ChexSystems neither approves nor declines accounts for our membersThe decision whether or not to open an account is entirely up to an institution and its individual policies Please be informed that our records do not include multiple names for this consumerOnly the first and last name listed with his complaint is listed with the inquiry information on our files Also as we stated in our initial response, we have provided the consumer with copies of his consumer disclosure reportIf the consumer disputes the completeness or accuracy of the information in his consumer disclosure report, he has the right to submit a dispute directly to the source of the informationHowever, if he prefers ChexSystems will be happy to contact the source on his behalf to initiate an investigationHe may submit a dispute by mail at Chex Systems, Inc., Attn: Consumer Relations, [redacted] , Woodbury, MN, or by fax at (602) [redacted] He may also contact our office by calling [redacted] and selecting the option to speak with a representativeWhen submitting a dispute, we ask that the consumer provide the specific nature of the dispute as well as a description of the item(s) being disputedUnder circumstances, investigations are completed within approximately thirty days (twenty one days for residents of Maine)
Chex Systems, Inc(ChexSystems) has reviewed the complaint filed by this consumer Our records indicate that on April 25, 2016, ChexSystems received communication from the consumer, which included a dispute of account information reported to ChexSystems that was of the same nature as the complaint As is our standard practice when a consumer dispute is received, ChexSystems placed the reported information in a disputed status and sent a letter to notify the consumer of our intent to investigate We notified the reporting financial institution of the dispute and requested that they investigate the accuracy of the information they submitted The financial institution responded to ChexSystems and verified the disputed information to be accurate as reported ChexSystems mailed a letter to notify the consumer of the results of the investigation The letter informed the consumer that the financial institution requested he contact them to obtain additional account information and provided a telephone number for themThe letter also explained that if requested by the consumer, ChexSystems will provide a description of the procedure used to determine the accuracy of the disputed information in his file and that he is entitled to request and receive the business name, address and, if reasonably available, the telephone number, of any furnisher of information contacted in connection with the investigation Finally, the letter explained that he is entitled to add a statement to his file disputing the accuracy or completeness of the information and provided instructions on how he could submit a statement should he wish to do so Reported information is retained on ChexSystems files for a period of five years unless the source of the information requests its removal prior t that time or ChexSystems becomes obligated to remove it under applicable law or policy Please note that the disputed information is dated in September 2011, therefore, is due to purge our files next month
Chex Systems, Inc(ChexSystems) has reviewed the complaint filed by this consumer Our records indicate that we have not received a dispute of the information submitted by Wilmington Savings Fund Society directly from the consumer, however, based on the content of the initial complaint he filed with the Consumer Financial Protection Bureau, we contacted Wilmington Savings Fund Society to request that they investigate the accuracy of the information they submitted to us The financial institution verified the disputed information to be accurate, and requested that the consumer contact them directly should he wish to pursue this matter directly with them Wilmington Savings Fund Society confirmed that the consumer had filed a claim with them and they investigated it but did not deem it as fraud They forwarded a copy of the signature card, statements, and deposits to ChexSystems and the documentation was provided in our correspondence to the consumer We also informed him that should he wish ChexSystems to pursue the matter further, we must first receive a copy of a valid police report to support his claim As of this date, ChexSystems has not received a police report from the consumer
Chex Systems, Inc(ChexSystems) has reviewed the follow up complaint filed by this consumer As stated in our initial response, there are multiple inquiry records on the consumer's file, however, there is no information that would be affected by a bankruptcy filing If the consumer would like to receive a copy of her consumer disclosure report from ChexSystems, she may submit a request through our website at www.chexsystems.com, by voice messaging at ###-###-####, by fax to ###-###-#### or by mail at Chex Systems, Inc., Attn: Consumer Relations, [redacted] Woodbury, MN, Once she reviews her report, if she disputes any information on her file she has the right to submit a dispute directly to the source of the information However, if she prefers, ChexSystems will contact the source(s) on her behalf to initiate an investigation She may submit a dispute through website, by fax or by mail She may also contact our office by calling ###-###-#### and selecting option to speak with a representative If the nature of the dispute involves identity theft or fraud, she will be required to submit the dispute via the website or in writing by mail or fax We ask that she provide the specific nature of the dispute as well as a description of the item(s) being disputed Under circumstances, investigations are completed within approximately thirty days (twenty one days for residents of Maine)
Initial Business Response / [redacted] (1000, 5, 2015/06/12) */ Chex Systems, Inc(ChexSystems) has reviewed the complaint filed by this consumerOur records indicate that within the past five years, we have received three requests for a copy of his consumer disclosure report from the consumerAll three requests were received via our websiteThe first was received February 20, and the report was mailed to him on February 23, The second was received on April 5, and the report was mailed to him on April 6, The third was received June 8, and the report was mailed to him the same dayAll reports were mailed to the addresses the consumer provided at the time of the requests Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/06/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do appreciate the responseUnfortunately though I have not received anything since the request in 02/Address provided on the most recent requests in was accurate If records indicate that a report was mailed on "February 23, 2015" and "April 5, 2015" then we also have a concern regarding disclosure of personal identifiable information without my direct authorization - simply said - if no report came to me then I am curious as to who you did send it to Final Business Response / [redacted] (4000, 9, 2015/06/16) */ Chex Systems, Inc(ChexSystems) has reviewed the additional comments made by this consumer regarding our initial response to his complaintIn order to protect the consumer's privacy, ChexSystems cannot post to this website the address information provided to us in his requests for disclosure of his reports, however, the consumer may contact us by telephone at [redacted] , by mail at Chex Systems, Inc., Attn: Consumer Relations, [redacted] , Woodbury, MN, 55125, or by fax at [redacted] , and we would be happy to inform him of when and and to what addresses his consumer disclosure reports were sent
Chex Systems, Inc(ChexSystems) has reviewed the complaint filed by this consumerOur records indicate that we have received multiple communications from the consumer dating back several yearsThe most recent communication from the consumer did include a dispute of information stating that there were multiple inquiries on her consumer file that were not factual and she requested they be removed, however, it did not specify which inquiry information was disputedIncluded with the dispute was a copy of a police report listing several companies with which the consumer disputed having attempted to do businessThe consumer also requested that a security freeze be placed on her consumer fileChexSystems placed the security freeze as she requested and mailed a letter to the consumer confirming that action had been takenChexSystems also mailed a letter to inform the consumer that we have no record of inquiries made by the companies listed in the police reportA copy of her consumer disclosure report was included with the letterIf the consumer disputes any of the information contained in her consumer file she may submit a dispute to usShe may submit her dispute by visiting our website at www.chexsystems.com, by mail at the address listed in the letterhead of the correspondence she has received from us, or by fax at ###-###-####We ask that she provide the specific nature of the dispute and that she identify the item(s) being disputedUnder circumstances, investigations are completed within approximately thirty days (twenty one days for residents of Maine)If the consumer believes the disputed information is a result of identity theft, we suggest that she obtain a new or an amended police report to include reference of the disputed information contained in her ChexSystems fileOnce we have received the dispute and/or the new or amended police report we will inform the consumer of any additional actions taken
Chex Systems, Inc(ChexSystems) has reviewed the additional complaint filed by this consumer A letter has been mailed to the consumer explaining that ChexSystems does not communicate with consumers via email or unsecured fax, therefore, we are mailing her a copy of the letter initially sent to her on February 1, 2018, which notified her of the results of an investigation We explained that the information contained in the consumer disclosure report that was enclosed with that response may have changed and provided instructions on how she can submit a request for a current copy of her consumer disclosure report
Chex Systems, Inc(ChexSystems) has reviewed the complaint filed by this consumer Our records indicate that we have had multiple communications with her We have explained that there is information on our files that is similar to hers, however, the Social Security number listed on the reported information does not match the number she provided to us The information in question continues to be linked to the consumer because it lists the same name, address and date of birth provided to us by this consumer ChexSystems did initiate an investigation of the reported information and it has been verified by the source to be accurate Should the consumer wish ChexSystems to pursue the matter further, we can only suggest that she contact her local police department and obtain a copy of a valid police report that clearly supports a claim of identity theft/fraud since the reported information does include her name, her previous address and her date of birthOnce we have received the police report, we will be happy to review the situation further and will inform the consumer of any actions taken
Chex Systems, Inc(ChexSystems) has reviewed the complaint filed by this consumerOur records indicate the consumer has contacted us directly about her bankruptcy filing and we have informed her that the information currently listed in her consumer file was reported after her bankruptcy filing and therefore, is not affected by the filingThere is no information in the consumer's file reported by the financial institution referenced in the complaint
Chex Systems, Inc(ChexSystems) has reviewed the complaint filed by this consumer ChexSystems is a nationwide specialty consumer reporting agency under the federal Fair Credit Reporting Act (FCRA)ChexSystems provides services to financial institutions and other types of companies that have a permissible purpose under the FCRAChexSystems' services primarily assist its clients in assessing the risk of opening new accounts ChexSystems neither approves nor declines accounts for our membersThe decision whether or not to open an account is entirely up to an institution and its individual policies When providing this service ChexSystems abides by the requirements of the FCRA and any applicable state statutes ChexSystems' clients regularly contribute information on closed checking and savings accounts, referred to as Reported information Reported information pertains to accounts reported for mishandling, closed for cause, and/or suspected fraud activity This information is submitted directly to ChexSystems by its clients, which consist mainly of financial institutions ChexSystems' current practice is to retain reported information on file for a period of five years unless the source of the information requests its removal or ChexSystems becomes obligated to remove it under applicable law The reporting member institution is under no obligation to remove accurate information, even after payment of monies owed However, the member is obligated to update the report with a paid in full or settled in full date when applicable In addition, the original charge off amount associated with the reported information submitted by Bank of America is not an indication of an outstanding debt The Original Charge Off Amount represents the amount reported by the source as the loss they experienced related to the reported account If the consumer disputes the accuracy or completeness of the information in her consumer file, she has the right to submit a dispute directly to the source of the information However, if she prefers, ChexSystems will be happy to contact the source on her behalf to initiate an investigation She may submit a dispute by visiting our website at www.chexsystems.com, by mail at Chex Systems, Inc., Attn: Consumer Relations, [redacted] Woodbury, MN, or by fax at ###-###-#### She may also contact our office by calling ###-###-#### and selecting option to speak with a representative Under circumstances, investigations are completed within approximately thirty days (twenty one days for residents of Maine)
Chex Systems, Inc(ChexSystems) has reviewed the complaint filed by this consumer ChexSystems has taken action to remove one of the inquiries referenced in the complaint A letter has been mailed to notify the consumer of the action taken and to provide an updated copy of his consumer disclosure report
Initial Business Response / [redacted] (1000, 5, 2015/12/16) */ Chex Systems, Inc(ChexSystems) has reviewed the complaint filed by this consumerPlease be informed that based on the information provided in the complaint, ChexSystems is unable to locate record of communication received directly from the consumer and is unable to identify any information contained in his consumer fileIf the consumer would like to submit a request for a copy of his ChexSystems consumer disclosure report he may do so by visiting our website at www.chexsystems.com, by voice messaging at [redacted] , by mail at Chex Systems, Inc., Attn: Consumer Relations, [redacted] , Woodbury, MN, 55125, or by fax at [redacted] In order for ChexSystems to properly identify any information contained in the consumer's file we ask that he provide the following information: Full name, Social Security number, date of birth, driver's license or state identification number and state of issuance, current address and any other address used in the past five yearsBy submitting his personal information to ChexSystems, the consumer acknowledges his agreement to provide accurate identifying information and his understanding that ChexSystems may access, store, and use this information to the extent permitted by lawA copy of his consumer disclosure report will be mailed to the consumer within five business days of our receipt of his requestOnce the consumer receives a copy of his consumer disclosure report, if he disputes any information contained in his file he has the right to submit a dispute directly to the source of the informationHowever, if he prefers ChexSystems will be happy to contact the source on his behalf to initiate an investigationHe may submit a dispute using the website referenced aboove, or in writing at the address or fax number listed aboveHe may also contact our office by calling [redacted] and selecting the option to speak with a representativeWe ask that he provide the specific nature of his dispute as well as a description of the item being disputedUnder circumstances, investigations are completed within approximately thirty days (twenty one days for residents of Maine) Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/12/17) */ (The consumer indicated he/she DID NOT accept the response from the business.) dose help take it off my file what shoulnt be on it and there not helping dont help sice can open bank acc now
I am rejecting this response because: I do not show any thing regarding having a bank account with in years why is this not removed
Chex Systems, Inc(Chex) has reviewed this complaintOur records indicate that we have initiated three investigations of the information previously submitted by Woodforest National Bank (the bank) The first in 6/after having been informed of the dispute through a complaint submitted to the cfpb, the second in 7/17, and the third in 8/upon receipt of communications directly from the consumer On all three occasions, the bank verified the information to be accurate and in 8/they provided a copy of the signature for the consumer's review Since that time, the account information previously submitted by the bank has been removed from the consumer's file because the retention period has expired The only names currently listed in the consumer's file are variations of the name he has provided We show his first, middle and last name, his first name, middle initial and last name, and his first and last name Our records did previously include a name variation with a different middle initial, however, that name variation was removed based on a dispute previously received from the consumerThe disputed address information is associated with disputed inquiries, which have previously been verified by the source to be accurate Chex has explained to the consumer that in accordance with the FCRA, he may provide a copy of a valid police report that clearly supports his claim of identity theft or fraud Once we have received the police report, we will be happy to review the situation further to determine if the disputed information can be removed based on the police report As of this date, Chex has not received a police report from the consumerChex has recently received notice of a dispute of inquiries on the consumer's file from a reseller, Factor Trust, and an investigation of the disputed inquiries has been initiated Chex will respond to the reseller and they will notify the consumer once the investigation is complete
Chex Systems, Inc(ChexSystems) has reviewed the follow up complaint filed by this consumer We have attached a copy of the illegible police report narrative for your reviewAs previously stated, if the consumer would like to resubmit a legible copy of the police report, ChexSystems would be happy to review that document and inform him of any actions taken In the meantime, we will continue with the investigation process and will inform him of the results of the investigations as they are completed The complaint states that he has provided multiple notarized affidavits Our records show that we have received notarized dispute correspondence from the consumer, however, we have no record of receiving notarized identity theft or fraud affidavitsOur records indicate that the consumer requested "method verification" in his correspondence dated March 15, 2017, which was received in our office on March 20, It is our standard practice to provide the description of the procedure used to verify disputed information upon the completion of the investigation However, based on his reference to this in the complaint, ChexSystems has mailed a letter to him today, March 29, 2017, to provide that information to him