ComplaintsforChex Systems Inc
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Complaint Details
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Initial Complaint
02/22/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
Chex System has denied every bank because someone breached the credit ******* and my ssn was hacked now i can't open any bank account my ***** fargo and chase account was closed out due to this system and diversity must comply. It is not my fault people want to be fraud and act as if they are recieverships and high yield investors making American citizens lives miserable because they have everyone's ssn due to fake links and informations and data being sold i need this resolved and my soccial security number cleared from anyone claiming in involved with these people. It is a financial war going on.Business response
03/01/2022
Chex Systems, Inc.(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 and closing decisions are determined by an institution and its individual policies. If *********************** would like to obtain a current consumer disclosure report, 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,Inc., Attn: Consumer Relations, **************************************************************************. 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 ************, by mail to Chex Systems,Inc., 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
02/17/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
This company has fraudently added me to their system..I was previously denied for an banking account. And I was told due to identity theft. I don't know what is going on. But I need to be removed from their system because this is inaccurate information. And they're giving me a hard time resolving my issue.Business response
02/24/2022
Chex Systems, **** (ChexSystems) has reviewed the complaint filed by Stefondra Monroe. 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 a consumer would like to obtain a current consumer disclosure report, 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 a 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 ************, by mail to Chex Systems, ****, Attn: Consumer Relations,7805 *********************************************************************, or by calling ************ and selecting disputes or the caller may select other options to be transferred to a representative.Customer response
02/28/2022
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
02/17/2022
- Complaint Type:
- Product Issues
- Status:
- Answered
This company has fraudently and inaccurately added me to their system. Upon trying to open an account which I was denied. Stated identity theft. They're not helping me in resolving this issue.Business response
02/24/2022
Chex Systems, **** (ChexSystems) has reviewed the complaint filed by Stefondra Monroe. 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 a consumer would like to obtain a current consumer disclosure report, 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 a 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 ************, by mail to Chex Systems, ****, Attn: Consumer Relations,7805 *********************************************************************, or by calling ************ and selecting disputes or the caller may select other options to be transferred to a representative.Initial Complaint
01/14/2022
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
Outsources to *****. Terrible customer service . Continues to report items on my report in direct violation of FCRA LAWS.Has been duly informed of this and continues to report anyway.Business response
01/21/2022
Chex Systems, **** (ChexSystems) has reviewed the complaint filed by ***************************. Our records indicate that ChexSystems has previously received a dispute directly from the consumer indicating information reporting is inaccurate and requesting original documents. 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 US Bank and Citibank of the consumers dispute and requested that they reinvestigate the accuracy and completeness of the information submitted. US Bank has verified the information to be accurate and complete. US Bank also provided contact information as ************ to obtain copies of account documentation and advised documentation was not attached for information security purposes. As a result, it will remain on file at ChexSystems.ChexSystems has mailed a letter to notify **************** of the results of the reinvestigation. The reinvestigation of information submitted by Citibank is still in process and once it is completed ChexSystems will notify the consumer of the results. Further, a response was sent to the consumer on 1/19/22 advising due to repeatedly abusive calls ChexSystems has received from ***************, any further communications she wishes to have with ChexSystems must be in writing and directed: (1) through our website at www.chexsystems.com, (2) by fax to ************, or (3) via mail to Chex Systems, **** Attn: Consumer Relations, *********************************************************************************************.Customer response
01/21/2022
I am rejecting this response because:
Chex systems is not following FCRA LAWS as duly indicated. They are WELL aware of this and yet continue to report us bank and Citibank against FCRA. Neither one of these accounts have ever properly verified under FCRA which mandates providing original signature documentation despite being given over 120 days to do so. The law is very clear that unverifiable accounts MUST BE REMOVED. Therefore by continuing to report these accounts, Chex systems is willfully breaking the law and subject to FCRA violations. Follow the law and remove these accounts forthwith!Initial Complaint
12/07/2021
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
I Am a Victim of Fraud and ID theft, I want to make sure that the only name displaying on my CHEXSYSTEMS is APEX LAW and no other name. My physical address is ***************************************, my mailing address is ****************************************************************. My Telephone number is ************. no other number should be displayed to creditors. my DOB is 07/30/1976. my ssn is *********. my **** is D06254887.no other addresses but the addresses above should be displayed to creditors. Please remove any fraud alert and Security freeze from my credit file. I do not have a pin# never received one. I am unable to reach a supervisor in *****************, to help me. if this BBB complaint does not fix my issue, I will then file a ******** Attorney General complaint then a CFPB complaint. my ss card and Dl are on file with chexsystems.Business response
12/14/2021
Chex Systems, **** (ChexSystems) has reviewed the complaint filed by Apex ***. Based on the content of complaint ChexSystems will have a ** representative contact the consumer. According to our records the consumer has not requested to place a Security Alert or Security Freeze on their consumer report. Our records indicate ChexSystems has previously informed Mr. *** that it has been discovered the Social Security number (SSN) provided is associated with account information listing a name other than Apex ***. We also informed Mr. *** that based on our research of the situation, there is an indication he may have changed his legal name and we asked that he provide a copy of an official court document or other legally binding document that confirms the name change. This document must reference his previous name and current name. A copy of ******** Social Security card will not be sufficient verification of his name or that the Social Security number was assigned to Apex *** and was never associated with another name. If Mr. *** has not legally changed his name, we request that he provide verification of his Social Security number.The verification must be from the ****************************** and must include ******** name, Social Security number, and the date his Social Security number was assigned to him. ******** complaint also includes a request to remove all personal information other than his current name, address and number from ChexSystems files. The identifiers listed in the Personal Information section of his consumer disclosure report was provided directly to ChexSystems by the consumer. If Mr. *** believes that personal information contained in ChexSystems files is inaccurate, he may submit a dispute directly to ChexSystems. He will need to identify the personal information being disputed and provide the nature of his dispute.Customer response
12/24/2021
SECURITY FREEZE PLUS SECURITY FREEZE ALERT FRAUD STATEMENT NEEDS TO BE REMOVEDInitial Complaint
10/13/2021
- Complaint Type:
- Billing Issues
- Status:
- Answered
Chexsystems states that they sent me a pin a week ago when I registered but I never received it. I am just trying to get my account unfrozen. I am able to answer all questions over the phone to identify myself but they will not release my pin to me. Thank you!Business response
10/15/2021
Chex Systems, **** (ChexSystems) has reviewed the complaint filed by *************************. Our records indicate that **************** initially placed a security freeze on her consumer file through our website on October 7, 2021. A letter was mailed to **************** on October 7, 2021, to confirm that the freeze had been placed and to provide the personal identification number (PIN). On October 8, 2021, **************** submitted a request through the chexsystems.com website to request a replacement PIN. It is ********************** policy to mail all security freeze PINs. A letter was mailed to **************** on October 8,2021, to provide a replacement PIN.
To request a temporary lift or permanent removal of the security freeze, she may submit the request through our website at www.chexsystems.com,she may contact the ************************** by phone at ************ or she may submit a request by mail to Chex Systems, **** Attn: **************************, *********************************************************************************************, and include her name, address, personal identification number (PIN) and Social Security number.Initial Complaint
09/13/2021
- Complaint Type:
- Billing Issues
- Status:
- Answered
As of 05/06/2018 I have not been able to obtain a bank account due to a false reporting of bank fraud . I have attempted to obtain an account in anyones name other than my own . In this situation I am the victim of identity theft . The phone number listed on my account at that time was not my phone number . I never had that phone number .I am hoping this can be reviewed and resolved through the proper channels. I took the time to research on my own this situation and I am not the only individual to fall victim to the false reporting from this company . I am in search of a means to an end . Thank you for your time and I hope to hear from a representative soon .Business response
09/16/2021
Chex Systems, **** (ChexSystems)has reviewed the complaint filed by ***************************. Based on the content of thecomplaint, ChexSystems is unable to locate record of communication from theconsumer or identify information that *** pertain to the consumer. ChexSystemsis a nationwide specialty consumer reporting agency under the federal FairCredit Reporting Act (****). ChexSystems provides services to financialinstitutions and other businesses that have a permissible purpose under the****. ChexSystems services primarily assist its clients in assessing the riskof opening new accounts. When providing this service, ChexSystems abides by therequirements of the **** and any applicable state statutes. ChexSystems neitherapproves nor declines accounts for its clients. Account opening decisions aredetermined by an institution and its individual policies. If a consumer wouldlike to obtain a current consumer disclosure report, a request *** be submittedthrough our website at www.chexsystems.com, by voice messaging at ************,by fax at ************, or by mail to Chex Systems, ****, Attn: ConsumerRelations, *****************************************************. If a consumerdisputes the accuracy or completeness of any information contained in theirChexSystems consumer file, a dispute *** be submitted through our website atwww.chexsystems.com, by fax at ************, by mail to Chex Systems, ****,Attn: Consumer Relations, *****************************************************, orby calling ************ and selecting disputes or the caller *** selectother options to be transferred to a representative. In accordance with the****, the consumer *** provide a valid identity theft report signed by a lawenforcement officer or police report filed with a law enforcement agency thatclearly supports the claim of identity theft or fraud.
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Customer Complaints Summary
244 total complaints in the last 3 years.
111 complaints closed in the last 12 months.