ComplaintsforChex Systems Inc

• Initial Complaint

  08/18/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I called to address why I was denied for a bank account. I was told to contact chexsystems. When I called and spoke with a man name ****** a ext **** he yelled at me, told me to be quiet and answer his questions. I simply tried to answer what he was asking but didnt know all of the answers. He then proceeded to hang up on me THREE times while I was attempting to obtain a report from him. I asked to speak with a manager and he replied his managers name was **** and hung up for a 4th time. This is very unprofessional, Im trying to correct an identity theft claim and Chexsystem is unable to provide services to people.

  Business response

  08/24/2022

  Chex Systems, **** (ChexSystems) has reviewed the complaint filed by ****************************
  ChexSystems is a nationwide specialty consumer reporting agency under the federal Fair Credit Reporting Act (****). ChexSystems provides services to financial institutions and other businesses that have a permissible purpose under the ***** ChexSystems services primarily assist its clients in assessing the risk of opening new accounts. When providing this service, ChexSystems abides by the requirements of the **** and any applicable state statutes.ChexSystems neither approves nor declines accounts for its clients. Account opening decisions are determined by an institution and its individual policies.
  According to our records all previous requests from *************************** have been received via our website and ChexSystems has no record of receiving a phone call from the consumer. 
  Based on the content of the complaint, ChexSystems has mailed a copy of ********************* consumer disclosure report to the consumer.Should *************************** wish to obtain another consumer disclosure report in the future, a request may be submitted through our website at www.chexsystems.com,by voice messaging at ************, by fax at ************, or by mail to Chex Systems, ****, Attn: Consumer Relations, *****************************************************;
  If *************************** disputes the accuracy or completeness of any information contained in their ChexSystems consumer file, a dispute may be submitted through our website at www.chexsystems.com, by fax at ************,by mail to Chex Systems, ****, Attn: Consumer Relations, ************************************************, or by calling ************ and selecting disputes or the caller may select other options to be transferred to a representative. In accordance with the ****, the consumer may provide a valid identity theft report signed by a law enforcement officer or police report filed with a law enforcement agency that clearly supports the claim of identity theft or fraud.

• Initial Complaint

  08/05/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  There was a freeze put on my account in 2007. I put it on there because of fraud. Now I need it lifted. But I need a replacement pin. Which I can't get because I don't know what address was used in 2007. They are refusing to help. I can't open any new bank accounts because of this.

  Business response

  08/11/2022

  Chex Systems, **** (ChexSystems) has reviewed the complaint filed by *************************.??Our records indicate that **************** initially placed a security freeze on his consumer file through our website on January 24, 2017.? ?A confirmation letter with his security freeze PIN was mailed to him on January 25, 2017. On August 5, 2022, **************** contacted ChexSystems by telephone regarding a request to lift the freeze. The consumer did not have his security freeze PIN and explained he attempted to request replacement PIN through our website, and he received an error that the information did not match. The ChexSystems representative provided instructions to the consumer to submit a request in writing and include his name, address and Social Security number. ****************** requested to speak to supervisor and the call was escalated and **************** was provided the same instruction on submitting the request in writing and informed there is no need to include previous address and he could mention his name,social security number, current address, reason for not having PIN and the lift duration.
  In order for ChexSystems to update his current address information and communicate with him further at the address provided with the complaint, we must receive the Personal Identification Number (PIN) that was assigned to him when the security freeze was placed. If **************** has lost or misplaced his PIN, he will need to contact ********************** to request a new PIN. He may submit the request through our website at www.chexsystems.com,by fax at ************ or he may submit a request by mail to Chex Systems, ****Attn: *************************** ************************************************, and include his name, address and Social Security number.

• Initial Complaint

  08/04/2022

  Complaint Type:

  Order Issues

  Status:

  Resolved

  More info

  Chex Systems- reporting a account used in fraud after being notice and required by law FCRA to remove. FTC report filed sent alone with stated and transactions as stated by the 15 U.S. Code 1681c2 - Block of information resulting from identity theft.

  Business response

  08/10/2022

  Chex Systems, **** (ChexSystems) has reviewed the complaint filed by *****************************.  
  
  The disputed information submitted by *********** has been removed from the consumers file based on our research and the supporting documentation that was provided by ****************** on 08/08/2022. ChexSystems has mailed a letter to notify the consumer of the results of the reinvestigation and to provide an updated consumer disclosure report.

  Customer response

  08/10/2022

   Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

• Initial Complaint

  07/21/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  INACCURATE INFORMATION ON CREDIT REPORT

  Business response

  07/25/2022

  Chex Systems, **** (ChexSystems) is a nationwide specialty consumer reporting agency under the federal Fair Credit Reporting Act (****). ChexSystems provides services to financial institutions and other businesses that have a permissible purpose under the ***** ChexSystems services primarily assist its clients in assessing the risk of opening new accounts. When providing this service,ChexSystems abides by the requirements of the **** and any applicable state statutes. ChexSystems clients, which consist mainly of financial institutions,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.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 paid, however, the member is obligated to update the report with a paid in full or settled in full date when applicable. If the consumer disputes the accuracy or completeness of any information contained in their ChexSystems consumer file, a dispute may be submitted through our website at www.chexsystems.com, by fax at ************, or by mail to Chex Systems,****, Attn: Consumer Relations, *************************************************, or by calling ************ and selecting disputes or the caller may select other options to be transferred to a representative. The consumer will need to identify the information being disputed and provide the nature of the dispute. In accordance with the ****, the consumer may provide a valid identity theft report signed by a law enforcement officer or police report filed with a law enforcement agency that clearly supports the claim of identity theft or fraud.

• Initial Complaint

  07/07/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have been calling chexsystem for years about **** of america reporting false information that has impacted my ability to thrive and take care of my family financially chex systems stated i can dispute inaccurate information and creditor has to update or remove it. FCRA States that if information is inaccurate and not completed within *************************************************************************************** chex systems through chexsystems i have also asked in detail for the report and their finding and was told THEY DO NOT DO THE REPORT THEY JUST TAKE WHAT THE CREDITOR SAYS AND THAT **** OF AMERICA DID NOT FWD A REPORT and they read me the 2-3 sentences were BOA stated they are not removing or changing but does not tell me as a consumer why when i have explained how it is not correct I have not been able to get a loan or open a **** account get business funding i have been homeless since covid as a result and it is unethical to keep false information that ruins lives and not even investigate it or delete it as they did not complete the report on time with the requested information.

  Business response

  07/14/2022

  Chex Systems, **** (ChexSystems) has reviewed the complaint filed by *************************. ChexSystems is a nationwide specialty consumer reporting agency under the federal Fair Credit Reporting Act (****). ChexSystems provides services to financial institutions and other businesses that have a permissible purpose under the ***** ChexSystems services primarily assist its clients in assessing the risk of opening new accounts. When providing this service, ChexSystems abides by the requirements of the **** and any applicable state statutes. ChexSystems neither approves nor declines accounts for its clients. Account opening decisions are determined by an institution and its individual policies. Our records indicate that ChexSystems previously received disputes directly from the consumer regarding information reported by **** of America. As is our standard practice, ChexSystems placed the reported information in dispute and mailed a letter to notify the consumer of our intent to initiate a reinvestigation. ChexSystems notified **** of America of the consumers dispute and requested that they reinvestigate the accuracy and completeness of the information submitted. **** of America has verified the information to be accurate and complete. **** of America has also informed ChexSystems that due to deposit activity this account was placed under review.During the review it was determined that the account breached the account agreement. Because of this breach the account was closed and reported for suspected fraud activity. As a result, it will remain on file at ChexSystems.ChexSystems has mailed a letter to notify ************** of the results of the reinvestigation. To obtain additional information about this matter, ************** may contact **** of America RISC Department at **************, option 2.

• Initial Complaint

  05/17/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  My SSN was apparently compromised in the 2017 Equifax Breach, and I've been working with Chex Systems for some weeks now to validate my identity with them and get this cleared up. In the process of that, they requested a copy of my Social Security Card by snail mail or fax. No option to upload to an encrypted location on the website or a secure inbox to email it to. I don't own a fax machine, nor do I own a printer. I'm not about to scan my SSN through public library networks to get a copy made; I work in IT and know exactly what kind of problems that leads to. I conveyed this to Chex Systems, and they have absolutely no alternative or workaround to offer. It's 2022 - fax and snail mail are not only insecure as all get out, they take forever to process compared to traditional email or just having a file-encryption uploader embedded on their website. Failing that, other alternatives might include linking to a screenshot or opening a temporary account to receive email from customers in situations where the customer does not have antiquated equipment available to work with Chex Systems.Firstly, they need to get modern solutions in place if they want to continue legal and secure operation in the **. Secondly, I need someone from Chex Systems to contact me and work out a temporary resolution until they fix their problems internall.

  Business response

  05/23/2022

  Chex Systems, **** (ChexSystems) has reviewed the complaint filed by ***************************.
  Our records indicate that ChexSystems has received communication directly from the consumer and while processing the request for a consumer disclosure report, discovered that the Social Security number (***)provided was associated with another individuals account information.ChexSystems mailed a letter to notify the consumer that we had initiated the process of reinvestigating this matter. A copy of the consumer disclosure report was also provided. ChexSystems verified that the *** provided is associated with another individuals account information. A letter was sent to ******************** requesting he provide verification of the *** issued from the ****************************** (SSA) so that ChexSystems can further pursue this matter. This verification may be in the form of a letter or other documentation provided by the ****************************** office or its website (www.ssa.gov), or a copy of the Social Security card would also serve as verification of the ***. He may submit the requested information through our website at www.chexsystems.com, by fax at ************, or by mail to Chex Systems, ****, Attn:Consumer Relations, ************************************************. Once ChexSystems receives the verification, we will alter the information so that the *** is no longer associated with the other individuals account information.

  Customer response

  05/23/2022

   I am rejecting this response because:
  
  When I contacted ChexSystems for an alternative to mail/fax, they said there isn't an alternative. This representative is now stating the files can be uploaded to ChexSystems.com. Please provide a reference link to where one might upload those files. Your support staff would not or was unable to do so.

  Business response

  05/26/2022

  Chex Systems, **** (ChexSystems) has reviewed the complaint filed by ***************************.
  
  Our records indicate that the consumer contacted ChexSystems by telephone on 05/05/2022 and spoke with a ChexSystems representative. The consumer indicated he did not have a copy of his Social Security card and the representative informed he could send a letter from the ****************************** (SSA) verifying the Social Security number (SSN) belongs to him.
  
  ******************** may submit the requested documents through our website at  www.chexsystems.com by selecting Dispute Information and following the instructions on submitting the dispute and uploading documents.

• Initial Complaint

  04/27/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Well I have been dealing back in forth with Chex System for over a year.I have tried to open a bank account with 2 different banks.I got denied.I was told to call chex system by the bank.So i call and the first time it said my ss# was link to another name.I file a investagation to be done.They sent me a letter saying it was clear and it had been updated.So i waited then applied for an bank account again and got the denied due to chex system again.So i have went back and forth with them.They say its not them its the bank.I went into the bank branch and the bank president of ************** said something chex system is reporting thats making the bank system red flag me!I have talk with numerous chex system workers over the phone and all keep blaming the bank.And recommending a consumer report.I have got several and they all only show the same thing.All my inquiry.If there is nothing on there why do chex ssystem keep stoping me from living my life...Chex system is causing my family and I so many problem.They are falsly reporting my account.PLESE HELP ME AND MY FAMILY!!!!

  Business response

  05/04/2022

  Chex Systems, **** (ChexSystems)has reviewed the complaint filed by *************************. Our records indicate that ChexSystems has received communication directly from the consumer and while processing the request for a consumer disclosure report, discovered that the Social Security number (***) provided was associated with another individuals account information. ChexSystems mailed a letter to notify the consumer that we had initiated the process of reinvestigating this matter. A copy of the consumer disclosure report was also provided. Because the source did not respond to our request for reinvestigation within the required timeframe, ChexSystems altered the information on file that associated the *** with another individuals account information. ChexSystems notified the consumer of this action. ChexSystems also provided another copy of the consumer disclosure report to ****************. ChexSystems is a nationwide specialty consumer reporting agency under the federal Fair Credit Reporting Act (****). ChexSystems provides services to financial institutions and other businesses that have a permissible purpose under the ***** ChexSystems services primarily assist its clients in assessing the risk of opening new accounts. When providing this service, ChexSystems abides by the requirements of the **** and any applicable state statutes. ChexSystems neither approves nor declines accounts for its clients. Account opening decisions are determined by an institution and its individual policies. If **************** disputes the accuracy or completeness of any information contained in their ChexSystems consumer file, a dispute may be submitted through our website at www.chexsystems.com, by fax at ************, by mail to Chex Systems, ****,Attn: Consumer Relations, *************************************************, or by calling ************ and selecting disputes or the caller may select other optionsto be transferred to a representative.

• Initial Complaint

  04/11/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  4/11/2022 ChexSystems I am unable to speak to a supervisor or anyone that can help me at any of the phone numbers I have been provided. I ordered a *** online over two weeks ago as instructed and I have not received the *** by mail as promised.I need this *** to unfreeze my account so I can open a new account which my mortgage APR is going to be tied to. If I do not open the account, I am unable to get the point basis off my mortgage and this will be set for the next 30 years of the loan. This will cause considerable damage.I have recorded my calls for evidence that Chexsystems just makes consumers hold and transfers calls to people overseas whom make consumers hold longer and there is never any resolution.

  Business response

  04/19/2022

  Chex Systems, **** (ChexSystems) has reviewed the complaint filed by ***************************. According to our records all previous requests from ******************** have been received via our website or fax and ChexSystems has no record of receiving a phone call from the consumer. Our records indicate that ******************** initially placed a security freeze on his consumer file through our website on October 13, 2021.   A confirmation letter with his security freeze PIN was mailed to him. On April 1, 2022, ChexSystems received a request for a replacement PIN from ******************** that was submitted through our website. A letter was mailed to ******************** on the same day to provide him with a replacement PIN. The letter was mailed to the same address listed on Mr.Schulmans complaint. On April 11, 2022, ChexSystems received a faxed request from ******************** to have his security freeze removed. ChexSystems also received a request to remove the security freeze though our website on the same date. ChexSystems has removed the security freeze that was placed, and a confirmation letter was mailed to ******************** on April 12, 2022. 
  

• Initial Complaint

  04/09/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I disputed some inquiries that were NOT originated by me nor with my consent, filed 2 police reports (because Chex system was not satisfied with the first one) and Chex System still denied to have such inquiries removed from my credit report. In a case this is not resolved, I'll file a lawsuit, because yes, the information about me is accurate as they stated, but the inquiry was not with my consent, since I didn't apply for accounts with the listed banks in the police report (******************* of Indiana; ********************* ************************ ******* ******; Citibank; and Banc of California). My full name is ***** ******************* ******, and my Consumer ID with ********************** is ********.

  Business response

  04/15/2022

  Chex Systems, **** (ChexSystems) has reviewed the complaint filed by ********************* ******.
  Our records indicate that ChexSystems has previously received a dispute directly from the consumer that was of the same nature as the complaint.
  As is our standard practice, ChexSystems mailed a letter to notify the consumer of our intent to initiate a reinvestigation. The disputed Inquiries Viewed By Others have been removed from the consumers file based on our research and the supporting documentation that was provided by **************** on 04/05/2022.ChexSystems has mailed a letter to notify the consumer of the results of the reinvestigations and to provide an updated consumer disclosure report.
  

  Customer response

  04/15/2022

   Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

• Initial Complaint

  03/12/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Yo fui ** ********** para abrir una cuenta y me dijeron que haba un problema de deuda y no se porque ni como, quiero saber que clase de deuda o problema tengo con Citi ank, hacen muchos aos que cerr mi cuenta y nunca deje ninguna deuda que yo sepa.Por favor aydenme. Gracias **************************

  Business response

  03/18/2022

  Chex Systems, Inc.(ChexSystems) has reviewed the complaint filed by ***********************. Based on the content of the complaint, ChexSystems is unable to locate record of communication from the consumer or identify information that *** pertain to the consumer. ChexSystems is a nationwide specialty consumer reporting agency under the federal Fair Credit Reporting Act (****).  ChexSystems provides services to financial institutions and other businesses that have a permissible purpose under the ***** ChexSystems services primarily assist its clients in assessing the risk of opening new accounts. When providing this service,ChexSystems abides by the requirements of the **** and any applicable state statutes. ChexSystems neither approves nor declines accounts for its clients.Account opening decisions are determined by an institution and its individual policies. If ************** would like to obtain a current consumer disclosure report, a request *** be submitted through our website at www.chexsystems.com, by voice messaging at ************, by fax at ************, or by mail to Chex Systems,Inc., Attn: Consumer Relations, **************************************************************************. If the consumer disputes the accuracy or completeness of any information contained in their ChexSystems consumer file, a dispute *** be submitted through our website at www.chexsystems.com, by fax at ************, by mail to Chex Systems,Inc., Attn: Consumer Relations, **************************************************************************, or by calling ************ and selecting disputes or  the caller *** select other options to be transferred to a representative. 

  Customer response

  03/24/2022

   I am rejecting this response because:
  
  I. never ha e a bussiness I have only a personal saving account.so. please clean my recors. I apreciate.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩