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close bank acct - report to check systems???



vanryankelly

Posts: 66
Credits: 2630.75
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Sub: close bank acct - report to check systems???
Tue, 11/05/2010 12:39

ok, so I'm overdrawn because of the pdl's and my bank says they are closing my account and because of the amount it will be reported to check systems (sp?)

can someone please educate me - what does it mean to be reported to this check system?

I already have an account at another bank, so that part I'm not too concerend with.

they said once I pay it, they will update the system,
but what else?

thank you!



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bea2ls
bea2ls

Posts: 3757
Credits: 36932.4

Sub: #1 if they do not remove you, you will be able to find a bank.. it Tue, 05/11/2010 - 12:39



if they do not remove you, you will be able to find a bank.. it will not be super easy but it is possible, i found a local credit union that opened one for me. :)

My new blog.. on trying to get out of debt, making extra money online, just little things I have picked up along the way... http://what-shoulda-been.blogspot.com Updated regularly


mca
mca

Debt Samaritan
Posts: 713
Credits: 14575.230979602

Sub: #2 tryFri, 05/07/2010 - 16:53



You can try for a pay for delete from Bank of America but generally it never works. They will not give you anything in writing and will tell you that they can't. Many times they lie and tell you if it is paid they will remove you but they don't

mca

my list of non-chex banks and credit unions is located at http://www.chexsystemsvictims.com


junenvrr
junenvrr
Posts: 8
Credits: 521.55

Sub: #3 I also was recently put on chexsystems from BOA for overdraft feThu, 05/06/2010 - 07:07



I also was recently put on chexsystems from BOA for overdraft fees. Although, they were accumulated on an accunt that started with a zero balance! Anyway, you all know the crooked ways BOA have handled things recently! My question is this. Can I send BOA a pay for delete letter and see if they will except payment for removal from chexsystems? Do I have a chance with them?


Rebecca Miller
Rebecca Miller
Posts: 130
Credits: 2069.15

Sub: #4 No, it does not affect the credit bureau as it does not actuallyMon, 04/26/2010 - 11:48



No, it does not affect the credit bureau as it does not actually extend credit or it does not lend.Thereby having a bad credit rating on file does not keep one away from buying or planning anything for the future (specially with any type of loans).If you want, you can get a copy of your personal chexsystems by paying for it.


Unregistered

Sub: #5 hi if muy acct is close buy the bank and report me to chex sysSun, 04/25/2010 - 21:51



hi if muy acct is close buy the bank and report me to chex sysrtem can i open a bank acct again


Unregistered

Sub: #6 does anyone know if you had an account with a bank and it was clTue, 03/30/2010 - 21:19



does anyone know if you had an account with a bank and it was closed over 5 years can a collection agency now try to collect? i checked my credit reports and chexsystems and that bank i owed for overdrawn fees when they closed it, is not on there? so what actions do i take now? if it is not on my chexsystems report, why would I need to pay this collection agency? advice......


mca
mca

Debt Samaritan
Posts: 713
Credits: 14575.230979602

Sub: #7 yes get a free copy of your report at www.chexhelp.com It is verTue, 07/07/2009 - 09:59



yes get a free copy of your report at www.chexhelp.com It is very important to know what it says

mca

my list of non-chex banks and credit unions is located at http://www.chexsystemsvictims.com


Unregistered

Sub: #8 never mind to my question I found the answer at consumerdebit .cSat, 07/04/2009 - 14:01



never mind to my question I found the answer at consumerdebit .com/ consumerinfo /us /en // chexsystems /report /index .htm Just remove all the spaces


mca
mca

Debt Samaritan
Posts: 713
Credits: 14575.230979602

Sub: #9 no it does not but there are many banks that will also report toFri, 07/03/2009 - 21:05



no it does not but there are many banks that will also report to the bureaus as well as chexsystems. There are also times when the bank will turn the account over to a CA that will then report to the bureaus

mca

my list of non-chex banks and credit unions is located at http://www.chexsystemsvictims.com


Unregistered

Sub: #10 Is there a way you can check chexSystems to see when you were puFri, 07/03/2009 - 06:25



Is there a way you can check chexSystems to see when you were put on and by whom or how long you have been on it. or How it was labeled when it was put on ChexSystems?


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