ComplaintsforChex Systems Inc

• Initial Complaint

  08/10/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  UNABLE to reach a live agent Automated telephone system keeps disconnecting me. my name is APEX LAW ************************************. TEL# IS ************. DOB 07/30/1976, AZ DL D06254887. THERE should be no other addresses DL numbers or phone numbers on the report. I am a victim of FRAUD, ID THEFT and Account TAKEOVER. REQUEST A NEW COPY OF MY CHEX SYSTEMS. PLEASE STOP OUTSOURCING OUR CALLS TO FOREIGN COUNTRIES.

  Business response

  08/14/2024

  Chex Systems, **** (ChexSystems) has reviewed the complaint filed by Apex ***. 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 www.chexsystems.com, by voice messaging at *************, or by mail to Chex Systems, ****, Attn: Consumer Relations, PO Box ****** ********************. 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 www.chexsystems.com, 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. *** may also request to speak to a US representative. He will need to identify the personal information being disputed. 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.

  Customer response

  08/14/2024

   I am rejecting this response because:
  
  Unable to reach anyone over the phone  I don't have Internet access

  Business response

  08/20/2024

  Chex Systems, **** (ChexSystems) has reviewed the complaint rejection filed by Apex Law. The consumer may call ************ and when prompted, say other options to be transferred to a ChexSystems representative.

• Initial Complaint

  08/01/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  see Attached document

  Business response

  08/05/2024

  Chex Systems, **** (ChexSystems) has reviewed the complaint filed by *******************************. Ms. ******** complaint indicates to review the attached document however, no documents were attached to the complaint.
  Our records indicate that ChexSystems has received a dispute directly from the consumer regarding information submitted by ************** As is our standard practice when a consumer dispute is received, ChexSystems sent a letter to notify the consumer of our intent to initiate a reinvestigation.ChexSystems has also notified the source(s) of the consumers dispute and provided them with a copy of the supporting document and requested that they reinvestigate the accuracy and completeness of the information they submitted. The reinvestigation is still in process and once it is completed ChexSystems will notify the consumer of the results. 

• Initial Complaint

  06/11/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  In April of this year, I applied to ************** to open a CD account. Online it stated that I should hear something within 3 business days. I didn't hear anything, then I got a letter in the mail stating that I was not approved. There was information to get a report from ChexSystems. I tried to file to get the report online, it would not work. Then I called ChexSystems. I was able to navigate the phone system and get a report sent to me. There is no information in the report. I figured out that Transunion requested information from them on 4/05/2024. I went to get my free credit report from Transunion. Under Third Party Supplemental Information is the record of this inquiry. It shows that ChexSystems found information that 1 had a checking account that was closed ************************************************************************************ the past 5 years that had an unpaid balance of $2063.98. I am not aware of this account. I don't know anything about this account. When I called ChexSystems today (6/11/24) it took me 11 minutes to get to a representative. I tried to explain that I wanted information about this account and what was provided to Transunion. I got put on mute or something. I was on the phone for 23:35, after which the survey came on that I gave them a poor rating. I was not able to talk to anyone for more than a minute or two. When she went to talk she transferred me or put me on mute. Then I heard nothing for the next 12 minutes. I need to talk to this company about my credit history. I don't know of any other way to track down this information and figure out what is going on with my credit file. The representative sounded like she was standing outside because I heard wind on the phone. She just kept asking what she could do. When I stopped talking, I am not even sure what she said, then the line went quiet. I was still connected to the system as I kept checking to make sure I didn't get hung up on. I need to know what is on my file.

  Business response

  06/17/2024

  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 also indicate that **************** submitted a request for a consumer disclosure report though our IVR system on May 16, 2024.A copy of ****************** ChexSystems consumer disclosure report was sent to her on May 20, 2024, which was created by using the identifiers provided to us.There is additional information on ChexSystems files which is similar to the consumer, however since the identifiers **************** provided did not match those listed on ChexSystems files, we are unable to release that information to the consumer.
  If **************** can provide us with the following identifier(s), we would be happy to continue our search and release to the consumer any additional matching information: Other first / middle / and last names used and all addresses used within the past 5 years (please include P.O.Boxes, if applicable).
  ChexSystems has no record of receiving a phone call from the consumer as referenced in the complaint. To contact ChexSystems by phone the consumer may call ************ and when prompted, say other options to be transferred to a ChexSystems representative.

  Customer response

  06/26/2024

   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.

  I called the number provided and was able to speak with a representative. He stated that after I verified my previous address, he did see the missing information from the previous report. He was unable to tell me the information I was looking for but was able to verify that an account was listed with a financial institution. It is frustrating that it took this many steps to get this information. I don't understand why when I called previously, they couldn't verify the information and send out the corrected or correct report.

• Initial Complaint

  05/25/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  they declined me from openning a bank account because they dont see me writting checks there is no derogatory bank reports from them just they dont see me so i get denied ,,i do every thing online or use my card seems they dont like that there is no reason to denie me from openning a bank account

  Business response

  05/30/2024

  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.

  Customer response

  05/30/2024

   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

  05/22/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Chex systems is hindering my credit and I have been trying to get some assistance with having this company audited and also have my systems in the bank released due to violations of title 15USC validation of banking Consumer ID ******** FTC Report

  Business response

  05/28/2024

  Chex Systems, **** (ChexSystems) has reviewed the complaint filed by *****************************.
  Our records indicate that ChexSystems has received a dispute from the consumer, which states that information contained in ChexSystemsfiles is a result of identity theft. The dispute was received on 05/22/2024 through a CFPB Complaint. ChexSystems also received a copy of an *** Identity Theft Report document. The Identity Theft Report includes a notation that states,Use this form to prove to businesses and credit bureaus that you have submitted an *** Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. To accept the *** report for tradeline block purposes, ChexSystems does require that it be signed by a law enforcement officer or that the consumer also provide a copy of a report filed with local police.
  As is our standard practice when a dispute of this nature is received without a law enforcement officer ********* or copy of a report filed with local police, ChexSystems initiated a reinvestigation of the disputed information with the source(s) and provided them with a copy of the *** Identity Theft Report. The reinvestigation is still in process and once it is completed ChexSystems will notify the consumer of the results.
  If ************** would like to provide a copy of a police report filed with a local police department, or a copy of an *** Identity Theft report signed by a law enforcement officer, he may do so at any time and ChexSystems will review the matter further and take appropriate actions in accordance with the requirements of section 605B of the federal Fair Credit Reporting Act.

• Initial Complaint

  05/22/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Demand for Removal" letter. If ChexSystems does not respond within 30 days of receiving your dispute letter, it is legally obligated to remove the error/disputed information from your report, regardless of whether the disputed information is found to be accurate, removed all my name off my list

  Business response

  05/28/2024

  Chex Systems, **** (ChexSystems) has reviewed the complaint filed by *********************. Based on the content of the complaint, ChexSystems is unable to determine what information the consumer is disputing. If ********************* 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 ************, 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 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. They will need to identify the information being disputed and provide the nature of the dispute.

• Initial Complaint

  05/20/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I found fraud within the ChexSystems.com. Upon calling to inquire about this information and the hardship of logging into the portal, I find that this office is in *****. Not only is the website itself very uncomfortable to maneuver though, but so was the phone call to the company. I am 150% uncomfortable with giving my social, address, and further very personal information to some office that isn't located in *****************, but rather in *****. Please explain to me, why are US banks and credit unions that represent our military in the ************* are 'FORCING' us to give personal information over the phone to some place located in *****. Furthermore, Why in the world would these banks actually find it acceptable to do business in this manner? Navy Federal, Gulf Winds, and Pen Air are at least 3 that use this service. I am contacting every bank, credit union, and every online avenue I possibly can to bring awareness to this. I have inaccurate information on this crazy report, but I am stuck with its repair because I absolutely refuse to give out my personal information that could lead to fraudulent activity, stolen identify, and bank fraud to an over seas person on the other end of the phone. Why in the world, would US based businesses seek the use of over seas companies to obtain personal information on their members or that of possible new members. This is disgusting. These 3 credit unions should be ashamed and any others that use this service.

  Business response

  05/24/2024

  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.
  If ***************************** disputes the accuracy or completeness of any information contained in their ChexSystems consumer file, a dispute *** be submitted through the secure consumer portal at www.chexsystems.com, by mail to Chex Systems, ****, Attn: Consumer Relations, PO Box ******, *********************, or by calling ************ and selecting disputes or the caller *** select other options to be transferred to a representative. ***************************** *** also request to speak to a US representative. In accordance with the ****,the consumer *** 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.
  Providing ChexSystems with personal identifiers helps to make a complete search of our files and locate all information that *** pertain to *****************************.
  We sincerely apologize for the inconvenience ***************************** experienced when attempting to access their secure consumer portal account.  If *************************** is still having issues accessing their ChexSystems consumer portal account, the consumer *** call ************ to reach a ChexSystems representative for assistance.  *************************** *** also request to speak to a US representative. 

• Initial Complaint

  05/17/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am extremely frustrated with the condition of my credit report. It is evident that this institution is failing to fulfill its duty to provide an entirely accurate credit report. As a consumer, I am aware of my rights, and it is my entitlement to receive a completely correct credit report. I rely on my credit report for important financial decisions, and these discrepancies are causing me considerable stress and anxiety.It is vital for financial institutions to clearly explain their procedures regarding the collection and sharing of personal data, giving individuals control over their information. Moreover, it is essential to protect this data from unauthorized access. Upholding privacy rights and adhering to legal standards are fundamental responsibilities for all businesses. Upon reviewing my recent credit report, I have found numerous inaccuracies in billing. These inconsistencies, which I demand be corrected immediately, highlight a significant failure in the management of my account by the creditor. It is worth noting that I have consistently made timely payments and provided accurate information regarding the information to Chex Systems.Using someone else's identification without legal authorization, especially regarding my personal information, is illegal and unauthorized. Protecting myself and my information from the repercussions of identity theft is of utmost importance. I strongly urge the immediate removal of these erroneously reported inaccuracies from my credit report. Your prompt assistance and attention to this matter are greatly appreciated.

  Business response

  05/24/2024

  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. ********************** abides by the requirements of the **** and applicable state statutes.ChexSystems neither approves nor declines accounts for its clients. Account opening decisions are determined by an institution and its individual policies.ChexSystems is not a collection agency and does not attempt to collect,negotiate or accept payment on behalf of its clients. ChexSystems clients, 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. If *************************** would like a current consumer disclosure report, a request may be submitted through our website at www.chexsystems.com, by voice messaging at ************, or by mail to Chex Systems, ****, Attn: Consumer Relations, ************************************. If *************************** disputes the accuracy or completeness of information contained in their ChexSystems consumer file, a dispute may be submitted through our website at www.chexsystems.com, 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.

• Initial Complaint

  04/11/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I disputed with Chex systems for violating my rights 15 USC 1681(a)(2), and 15 USC 1681(d).I sent out dispute letters and they only updated an address that wasnt correct. Sent out 3 letters

  Business response

  04/15/2024

  Chex Systems, **** (ChexSystems) has reviewed the complaint filed by *****************************. Our records indicate ****************** has placed a security freeze on his consumer file and the current address provided on the complaint does not match the address associated with the security freeze. 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 (***) that was assigned to him when the security freeze was placed. ****************** may call ChexSystems to provide the *** verbally and request his address be updated or he may mail the information to us. If ****************** has lost or misplaced his ***, he will need to contact ********************** to request a new ***. He may submit the request through our website at www.chexsystems.com, he may contact the ************************** by phone at ************ or he may submit a request by mail to Chex Systems, **** Attn:**************************, ***********************************, and include his name, address, and Social Security number. Our records also indicate that ChexSystems has previously received a dispute directly from the consumer. 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 Pennsylvania and *********** of the consumers dispute and requested that they reinvestigate the accuracy and completeness of the information submitted. ******************* of Pennsylvania and *********** requested a change be made to the disputed information to reflect the reported address as **************************************************************** and with that change, verified the information to be accurate and complete. As a result, it will remain on file at ChexSystems. ChexSystems sent a letter to notify ****************** of the results of the reinvestigation.

• Initial Complaint

  04/02/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  Today is was trying to request for my consumer report but after i enter everything i got this message. A security quiz based on the information you provided could not be generated. Please contact ChexSystems to submit your request using another method. No specific reason why I cannot get my report through online request. I just want my consumer report nothing else.

  Business response

  04/05/2024

  Chex Systems, **** (ChexSystems) has reviewed the complaint filed by ***********************. The complaint referenced the consumer was unable to obtain online disclosure through our website. Our records indicate that on 04/02/2024,**************** attempted to obtain his report online through our website and the security quiz could not be generated as the consumer could not be located based on the information they entered or there is not enough information about the consumer to generate a quiz. 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 ************** or go to the website www.choicetrust.com. Based on the content of the complaint, ChexSystems has mailed a copy of his consumer disclosure report to ****************. 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 ************, or by mail to Chex Systems, ****, Attn: Consumer Relations, PO Box ****** *********** ** *****.

*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. ↩