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Business Profile

Information Bureaus

Chex Systems Inc

This business is NOT BBB Accredited.

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Complaints

Customer Complaints Summary

  • 321 total complaints in the last 3 years.
  • 140 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

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Complaint status

Complaint type

  • Initial Complaint

    Date:01/16/2025

    Type:Product Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Progressive insurance is terrible all they do is take your money and when some Thing happens and you need them they treat you like a suspect as opposed to a client . Do not do business with them

    Business Response

    Date: 01/24/2025

    Chex Systems, **** (ChexSystems) has reviewed the complaint filed by ***** ********. The content of the complaint references ********************* and does not appear to be relative to ChexSystems. Based on this, we believe that the complaint should be forwarded to *********************.

  • Initial Complaint

    Date:01/16/2025

    Type:Product Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    This is the most crooked company ever they post fraudulent items repeatedly and ruin peoples lives . They need to do the right thing and research before they post incorrect items. Theyre terrible .

    Business Response

    Date: 01/24/2025

    Chex Systems, **** (ChexSystems) has reviewed the complaint filed by ***** ********. ChexSystems understands that ***** ******** has filed a lawsuit, and our legal department is looking into it.

  • Initial Complaint

    Date:01/16/2025

    Type:Product Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    PLEASE DELETE the following inaccurate info. There should only be one name attached to my CHEXSYSTEMS FILE. I should not have multiple files. The only name that should appear is APEX LAW. There should only be 1 address which is ****************************************. There should only be 1 phone number which is ************. There should only be one SSN + DOB ********** SSN ********. There should only be 1 email address which is ********************* There should be a promotion block or a permanant out opt on the file. I need a copy of my chexsystems. I an disabled and require additional accomdations.

    Business Response

    Date: 01/24/2025

    Chex Systems, **** (ChexSystems) has reviewed the complaint filed by ********.

    Based on the content of the complaint, ChexSystems will send Mr. *** a current copy of his consumer disclosure report. Should Mr. *** wish to obtain another consumer disclosure report in the future, a request may be submitted through the secure consumer portal at ******************************, by voice messaging at *************, or by mail to Chex Systems, ****, Attn: Consumer Relations, **********************************.

    Mr. ***s complaint also includes a request to remove all personal information other than his current personal information from ChexSystems files. If Mr. *** believes that personal information contained in ChexSystems files is inaccurate, he may submit a dispute directly to ChexSystems. A dispute may be submitted through the secure consumer portal 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. He will need to identify the personal information being disputed and provide the specific nature of the dispute.

    Mr. ***s complaint also included a request to opt out. To be placed on the ChexSystems Opt-Out List, Mr. *** may call our Opt-Out Request Line at 877.OPTOUT5 *************), and be prepared to provide the name, Social Security number, address, and telephone number. All consumers have the right to be excluded from receiving firm (preapproved or prescreened) offers of credit or insurance. Each company that allows its data to be used for such offers is required to have an opt-out list. The opt-out list is compiled of consumers who do not want their personal information shared with businesses that promote such offers.

    Customer Answer

    Date: 01/24/2025

     I am rejecting this response because:

    Under the *** I require additional accomodations via a call back I don't have Internet access and require someone to take the dispute via the phone at ************. The number they provide unable to reach anyone 

    Business Response

    Date: 01/31/2025

    Chex Systems, **** (ChexSystems) has reviewed the complaint rejection filed by ********. The consumer may contact ChexSystems by mail to Chex Systems, ****, Attn: Consumer Relations, ************************************ or by calling ************ and when prompted, say other options to be transferred to a ChexSystems representative. 

    Customer Answer

    Date: 02/03/2025

     I am rejecting this response because:THEY HAVE WILLFULLY REFUSED to address my concerns by having someone call me. Due 2 disability I am unable to reach them any other way

     My number is 503_********.


  • Initial Complaint

    Date:01/09/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I have discovered over 30 inquiries on my Chex systems report not authorized by me I have contacted company via telephone and I was unable to obtain a resolution. I have mailed an frc report and dispute letter via **** mail

    Business Response

    Date: 01/21/2025

    Chex Systems, **** (ChexSystems) has reviewed the complaint filed by ***** *******.
    Our records indicate that Mr. ******* contacted ChexSystems by phone on January 07, 2025, indicating he wanted to dispute inquiries listed in his consumer file at ChexSystems. The ChexSystems representative provided dispute options and Mr. ******* advised he would submit the dispute via mail.ChexSystems has not received any additional contact from the consumer regarding the dispute.
    If Mr. ******* disputes the accuracy or completeness of any information contained in their ChexSystems consumer file, a dispute may be submitted 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. Mr. ******* will need to identify the information being disputed and provide the specific nature of the dispute.

    Customer Answer

    Date: 01/22/2025

     I am rejecting this response because:

    Please see **** tracking number

    9589071052701973689657

  • Initial Complaint

    Date:12/13/2024

    Type:Customer Service Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I need a free copy of my ChexSystems Report ASAP.The automated systems is horrible. It is frustratign that I am not able to get a live representatvie to address my concerns. This is not good customer service.Also I am not able to get access to the online portal because it never sends the one-time pin to the email that I have registered with the portal which is ******************************* 02/25/85 SSN: ********* Address: ********************************************Please send me a copy of the report ASAP as I need to verify the accuracy of the report and dispute anything that is incorrect. I look forward to hearing from you. Thanks in advance.

    Business Response

    Date: 12/20/2024

    Chex Systems, **** (**********************) has reviewed the complaint filed by **** ******. We sincerely apologize for the inconvenience Mr. ****** experienced when attempting to use the automated phone system to contact **********************.  The consumer may call ************ and when prompted, say other options to be transferred to a ********************** representative.
    Our records indicate that Mr. ****** submitted a request for a consumer disclosure report though our IVR system on 12/13/2024. A copy of Mr.******* ********************** consumer disclosure report was sent to him on the same date.
    Based on the content of this complaint, ********************** has sent Mr. ****** another copy of his consumer disclosure report. Should Mr. ****** wish to obtain another consumer disclosure report in the future, a request may be submitted through the secure consumer portal at ******************************, by voice messaging at ************, or by mail to Chex Systems, ****, Attn:Consumer Relations, **********************************.  
    If Mr. ****** disputes the accuracy or completeness of any information contained in their ********************** consumer file, a dispute may be submitted through the secure consumer portal at ******************************, by mail to Chex Systems, ****, Attn: Consumer Relations, PO Box ******, *********************,or by calling ************ and selecting disputes or the caller may select other options to be transferred to a representative.
    ********************** has reviewed our records and confirmed that Mr. ****** has not created a secure consumer portal account on **************************. To create a secure consumer portal account, Mr. ****** may visit the ************************** website, select the Register option and follow the instructions as prompted. If Mr. ****** is having issues creating a ********************** Consumer Portal account, he may contact us at ************ to reach a ********************** representative.   

    Customer Answer

    Date: 12/20/2024

     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

    Date:11/09/2024

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    It seems that a fraudulent checking account with *************** was opened in my name in **. I requested that they remove it from my file. They declined stating that the information is correct. The information is NOT CORRECT. They have a responsibility to report our accurate information. It very maddening to me that this company that I have never heard of is contributing to the wrong caused by an identify theft. They are forcing me to spend more time trying to correct this. *** ******

    Business Response

    Date: 11/19/2024

    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 placed the reported information in dispute and sent a letter to notify the consumer of our intent to initiate a reinvestigation.ChexSystems notified *************** of the consumers dispute and requested that they reinvestigate the accuracy and completeness of the information submitted.
    *************** requested a change be made to the disputed information to reflect the closure status as no monetary loss and the date of closure and closure status date as 01/09/2023 and with those changes, verified the disputed information to be accurate and complete. As a result, it will remain on file at ChexSystems.
    ChexSystems sent a letter to notify the consumer of the results of the reinvestigation and to provide an updated consumer disclosure report. The letter also explains that, 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. Once ChexSystems receives the required supporting documentation, we will review the situation further and provide the consumer with notification of any action taken.

  • Initial Complaint

    Date:11/03/2024

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I found incorrect information about myself on Chex Systems Inc database, I went through their website to file a dispute about this and have heard absolutely nothing back. This needs resolved asap as the incorrect information is holding up another process with another business.

    Business Response

    Date: 11/13/2024

    Chex Systems, **** (ChexSystems) has reviewed the complaint filed by ****** *****.
    Our records indicate that ChexSystems has not received communication directly from the consumer regarding a dispute of information contained in their consumer file at ChexSystems. If Mr. ***** disputes the accuracy or completeness of any information contained in their ChexSystems consumer file, a dispute may be submitted through the secure consumer portal 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. He will need to identify the information being disputed and provide the nature of the dispute.

  • Initial Complaint

    Date:11/03/2024

    Type:Customer Service Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I am filing a complaint regarding ongoing issues with ChexSystems that prevent me from accessing my consumer report online. Each time I attempt to create an account on their website, I am met with an error message stating, "A security quiz based on the information you provided could not be generated." This issue has persisted despite multiple calls to ChexSystems customer service. Unfortunately, no representative has been able to resolve the problem, and I remain unable to access my report.This lack of access is causing significant problems, as I suspect incorrect information on my report is hindering my ability to open bank accounts. I am unable to easily verify or address potential inaccuracies, and ChexSystems has not provided any effective solution.I would appreciate your assistance in urging ChexSystems to resolve this issue promptly, as it is impacting my financial standing and access to essential banking services.

    Business Response

    Date: 11/12/2024

    Chex Systems, **** (ChexSystems) has reviewed the complaint filed by ******* *****.
    ******* Nitans complaint referenced an error received when attempting to create a secure consumer portal account through the ************************** website and indicated the security quiz could not be generated. When this occurs, a message will display informing the consumer to contact ChexSystems using another method. ChexSystems receives security quiz information from a third party that provides authentication services. If the consumer would like to check or update their public record information,they may call **************. 
    The consumer can submit requests by phone at ************ or by mail at Chex Systems, ****, Attn: Consumer Relations, P.O. Box 583399,***********************  

  • Initial Complaint

    Date:10/18/2024

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    unable to create a portal account. Please fix this so i can dispute things off my report.consumer id ********

    Business Response

    Date: 10/24/2024

    Chex Systems, **** (ChexSystems) has reviewed the complaint filed by ************************
    Our records indicate that the consumer has contacted ChexSystems and referenced an error received when attempting to create a secure consumer portal account through the ************************** website and indicated the security quiz could not be generated. When this occurs, a message will display informing the consumer to contact ChexSystems using another method. ChexSystems receives security quiz information from a third party that provides authentication services. If the consumer would like to check or update their public record information, they may call **************. The consumer can submit requests to ChexSystems by phone at ************, by mail at Chex Systems, ****, Attn: Consumer Relations, P.O. ********************************** or through our website at ******************************, without creating a portal account. 

  • Initial Complaint

    Date:10/15/2024

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I inquired with a bank to open an account. They said it was denied because of a report they got from chexsystems. I called chexsystems but they couldnt help either. I walked them through all the bank information, and they said the bank would reoprt that info only if it was true. So I asked them if that is correct, and my personal info that I see on the report is correct, then where is the faulty information? NO ANSWER, so I only see chexsystems as creating problems

    Business Response

    Date: 10/24/2024

    Chex Systems, **** (ChexSystems) has reviewed the complaint filed ******** *******.
    ChexSystems is a nationwide specialty consumer reporting agency under the federal Fair Credit Reporting Act (FCRA). 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 the secure consumer portal 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.

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