ChexsystemsReviews of chexsystems.com

For some reason I received a "low" score from chexsystems. When calling them to ask why my score was low they said it was because they didn't have enough data on me to actually calculate a score. There were no negative issues in my disclosure document. This seems like an arbitrary reason to calculate a score that is mediocre. Computer scoring is really not accurate or fair.

We run an honest and fair business with excellent client base, but we have run into a major issue with Chexsystem. What we found out is that Chexsystem is a complete WillyNilly scam organization used to wrongfully damage the reputation of honest individuals and your name can be held hostage through a paywall. All it takes is for a banker to make an 'honest mistake' or for any bank to demand fees from you. If you dispute anything at all with a bank, they damage your chexsystem score and then they blacklist your name. Have you ever wondered how you have a high credit score and excellent credit history, but keep getting denied credit? Chances are theres someone who knows you personally that works at a bank who deviously submitted a false chexsystem report. No documentation is needed to enter a bad report against you, and if you dispute it with the bank or with chex system all they do is fight to protect the bank not you. Its big business mishandling everyones reputatuon, and individuals who work at banks are using chexsystems to destroy honest reputations. Because if more people have a poor chexsystem reputation, the banks can demand higher intrest rates.... seems like one of those collusion scams, and Chexsystems is NOT a government monitored organization, its a complete Willynilly..

Seriously, in this day and age, what company sends you a pin email mail in order for you to access their system. Legitimate companies don't even do that.

this company is trash. I cant login , request email...never got one.. called they say they cant do anything about it and i will get an email.

Chex systems is a new punitive way to punish bank customers. I had a checking account in a town I moved from. It had $100 in it that I did not spend. They charged me fees until I had a -$25.00 negative balance (that's another story), then they used Chex Systems to enter a derogatory mark. When I moved to a new town, I could not open a bank account for 3 MONTHS while I had to mail a physical check to the bank, and wait months for them to 'register' the payment in their system and remove the mark from Chex POS Systems. As if the credit system wasn't enough to screw over consumers, now Chex Systems will kick them out of banking and punish them for small balances owed. This is punitive and this company should not exist, thank you.

Applying for an account with a credit union. Was told by CU there was a freeze on my account by Chex. Called Chex and was told no freeze. After 30 minutes of answering questions, was told they'd mail Consumer Statement. One week later, no statement. Called Chex again. After another 20 minutes, was told they'd mail another statement. He suggested getting ststement online. 3 attempts all with an error message saying my report can't be completed online. In the meantime, this crap company is holding up an important loan by at least 2 weeks. Avoid them at any cost. Unacceptable overseas customer service difficult to understand.

I tried to lift my freeze and it was horrible trying to understand how to do this. It required a pin number that I didn't have. So I had to request them to mail to me, which took about 1 1/2 weeks. The automated system is not helpful at all!!

I am trying to setup a business. I have tried to open a small business checking account at a bank and keep getting refused because ChexSystems is reporting my credit history as frozen. Today I went to a physical bank location and a banker got the same false information from ChexSystems. I NEVER placed a freeze with ChexSystems. I did not even know about ChexSystems until I found out they were providing banks with false information on me. I am suffering HUGE financial losses because I am unable to transact financial payments and collect payments from customers. This is only and ONLY due to ChexSystems preventing a law abiding citizen from conducting legal business by blocking their ability to conduct financial transactions.