chex systems

[diamondblack]

I am located in TX. Last year I moved from OH to TX. The bank that I was using did not have a TX branch. I left some money in the checking account. Through various charges in my absence the account went negative($54.00). The bank contacted me and told me of the negative amount. I used online bill pay through my current account to send them the money. They returned the check and added my name to the chex system. Then my current bank closed my account. I resent the money. This time they accepted. However, they will not remove my name from chex systems. Now I cannot open another account. What can I do legally?a

 

[Dandy Don]

Don't automatically assume that you can't open another account at a bank.

Just because your name shows up in the CHEX system doesn't mean you are delinquent. When you open up an account at the bank, you need to explain that you took care of the delinquent item and the CHEX system should have recorded that information on your record. Therefore the bank has no legitimate reason to deny you if it is basing their denial on the CHEX record.

DANDY DON IN OKLAHOMA ([email protected])

 

[Veronica1228]

Don't automatically assume that you can't open another account at a bank.

Just because your name shows up in the CHEX system doesn't mean you are delinquent. When you open up an account at the bank, you need to explain that you took care of the delinquent item and the CHEX system should have recorded that information on your record. Therefore the bank has no legitimate reason to deny you if it is basing their denial on the CHEX record.

DANDY DON IN OKLAHOMA ([email protected])

Wrong. Any bank can deny you an account if you have been reported to ChexSystems even if you pay off all monies due to other FIs. Denial because you are on ChexSystems is standard practice in most large banks and some CUs. It is perfectly legitimate, non-discriminatory, and legal!!!

To the OP: There are other options such as finding an FI that does not belong to the Chex network, or disputing the Chex record directly with ChexSystems.

https://forum.freeadvice.com/showthread.php?t=215234

Check out this thread. The last posting on it directs you to several more websites that might be able to help you.