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ChexSystems

 
Anonymous Coward
User ID: 13559462
United States
11/28/2012 07:55 PM
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ChexSystems
Anyone here been placed on ChexSystems? I tried to cash a paycheck at my bank and was told my account was to be closed because of something called ChexSystems. Now I'm hosed and without money but working my ass off and unable to utilize these paychecks. Does anyone here have experience with getting off ChexSystems? I really have no idea of what this organization is or does and haven't found much on the Internet.
Anonymous Coward (OP)
User ID: 13559462
United States
11/28/2012 07:59 PM
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Re: ChexSystems
Bamp.

I really need advice on this.
Anonymous Coward
User ID: 20675367
United States
11/28/2012 08:09 PM
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Re: ChexSystems
Google Chexvictims
PhennommennonnModerator
Senior Forum Moderator

11/28/2012 08:10 PM

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Re: ChexSystems
checks used as payment are generally run thru

chexsystems
telecheck
certegy

how these agencies work

US banks and credit unions report incidents to ChexSystems to protect themselves and other banks in the future. you get reported to CS if your account is closed for "cause." whats "for cause?" banks differ greatly between them as to what valid reasons are for closing an account. heres some examples:
the bank was unable to collect for an overdraft,
ATM transaction, or automatic payment which they honored on insufficient funds.
multi overdrafts.
savings account, debit card or ATM abuse.
fraud.
providing false information in opening account.

**each incident stays on your record with ChexSystems for FIVE full years from the date the incident was reported.

telecheck i think, if you pay them they remove the entry.

certegy flat out denies people over stupid shit *once case was the check itself. 'they didnt like who the check was from' (it was a pay check)

check out this forum on CS
[link to www.screwedbyforums.com]

and ones on telecheck
[link to www.screwedbytelecheck.com]

one on certegy
[link to www.ripoffreport.com]
~~~~~~~~~~~~~~~~~~~~~~~~~~~~
The Queen Of Mean / VENOMmennonn

*Dont fuck with me; ill jump on my menstrual cycle & run your ass over ;)
~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Every closed eye is not sleeping, and every open eye is not seeing
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The universe responds NOT to what you want.....it responds to what you are being.......are you being what you want?
~~~~~~~~~~~~~~~~~~~~~~~~~~~~
the karma cafe has no menus. you get served what you deserve
~~~~~~~~~~~~~~~~~~~~~~~~~~~~

political correctness is a doctrine.... fostered by a delusional, illogical minority...... and rabidly promoted by an unscrupulous mainstream media; which holds forth the proposition that it is entirely possible to pick up a turd by the clean end.

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FREEDOM OF SPEECH:
Alan Isaacman
The People Vs Larry Flynt
"Ladies and gentlemen of the jury, you've heard a lot here today and I won't try to go back over it all. But you have to go back in that room and make some decisions and there is one thing I want to make very clear to you before you do. I'm not trying to convince you that you should like what Larry Flynt does. I don't like what he does. But what I do like is... that I live in a country... where you and I can make that decision for ourselves. I like that I live in a country where I can pick up Hustler magazine... read it if I want... or throw it in the trash, if that's where I think it belongs. Or better yet I can express my opinion by not buying it. I like that right. I care about it. And you should care about it, too... because we live in a free country. We say that a lot, but sometimes we forget what that means, so listen again. We live in a free country. That is a powerful idea. That's a magnificent way to live. But there is a price for that freedom, which is that sometimes... we have to tolerate things that we don't necessarily like. So go back in that room... where you are free to think whatever you want to think... about Larry Flynt and Hustler magazine. But then ask yourselves if you want to make that decision for the rest of us... because the freedom that everyone in this room enjoys... is, in a very real way, in your hands. If we start throwing up walls against what some of us think is obscene... we may wake up one morning and realize... that walls have been thrown upin places we never expected... and we can't see anythingor... do anything. And that's not freedom. That is not freedom. So, be careful. Thank you."
VIDEO: [link to youtu.be]

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Anonymous Coward (OP)
User ID: 13559462
United States
11/28/2012 08:27 PM
Report Abusive Post
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Re: ChexSystems
checks used as payment are generally run thru

chexsystems
telecheck
certegy

how these agencies work

US banks and credit unions report incidents to ChexSystems to protect themselves and other banks in the future. you get reported to CS if your account is closed for "cause." whats "for cause?" banks differ greatly between them as to what valid reasons are for closing an account. heres some examples:
the bank was unable to collect for an overdraft,
ATM transaction, or automatic payment which they honored on insufficient funds.
multi overdrafts.
savings account, debit card or ATM abuse.
fraud.
providing false information in opening account.

**each incident stays on your record with ChexSystems for FIVE full years from the date the incident was reported.

telecheck i think, if you pay them they remove the entry.

certegy flat out denies people over stupid shit *once case was the check itself. 'they didnt like who the check was from' (it was a pay check)

check out this forum on CS
[link to www.screwedbyforums.com]

and ones on telecheck
[link to www.screwedbytelecheck.com]

one on certegy
[link to www.ripoffreport.com]
 Quoting: Phennommennonn

So you're saying I'm essentially hosed for the next five years unless I pay these extortionists off?
PhennommennonnModerator
Senior Forum Moderator

11/28/2012 11:04 PM

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Re: ChexSystems
yep.....chex systems doesnt budge. no negotiation.

and fwiw, dude if you passed a bad check - and didnt repay/make good on it, thats not the fault of chex.

thats essentially stealing.

jus sayn

Last Edited by Phennommennonn on 11/28/2012 11:14 PM
~~~~~~~~~~~~~~~~~~~~~~~~~~~~
The Queen Of Mean / VENOMmennonn

*Dont fuck with me; ill jump on my menstrual cycle & run your ass over ;)
~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Every closed eye is not sleeping, and every open eye is not seeing
~~~~~~~~~~~~~~~~~~~~~~~~~~~~
The universe responds NOT to what you want.....it responds to what you are being.......are you being what you want?
~~~~~~~~~~~~~~~~~~~~~~~~~~~~
the karma cafe has no menus. you get served what you deserve
~~~~~~~~~~~~~~~~~~~~~~~~~~~~

political correctness is a doctrine.... fostered by a delusional, illogical minority...... and rabidly promoted by an unscrupulous mainstream media; which holds forth the proposition that it is entirely possible to pick up a turd by the clean end.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Visit The Official GLP Store
[link to www.cafepress.com]

~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Subscribe to TheRawFeedLive On YouTube
[link to youtube.com]
~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Become a member & subscribe to the GLPVC Podcast
[link to members.therawfeedlive.com]

~~~~~~~~~~~~~~~~~~~~~~~~~~~~
FREEDOM OF SPEECH:
Alan Isaacman
The People Vs Larry Flynt
"Ladies and gentlemen of the jury, you've heard a lot here today and I won't try to go back over it all. But you have to go back in that room and make some decisions and there is one thing I want to make very clear to you before you do. I'm not trying to convince you that you should like what Larry Flynt does. I don't like what he does. But what I do like is... that I live in a country... where you and I can make that decision for ourselves. I like that I live in a country where I can pick up Hustler magazine... read it if I want... or throw it in the trash, if that's where I think it belongs. Or better yet I can express my opinion by not buying it. I like that right. I care about it. And you should care about it, too... because we live in a free country. We say that a lot, but sometimes we forget what that means, so listen again. We live in a free country. That is a powerful idea. That's a magnificent way to live. But there is a price for that freedom, which is that sometimes... we have to tolerate things that we don't necessarily like. So go back in that room... where you are free to think whatever you want to think... about Larry Flynt and Hustler magazine. But then ask yourselves if you want to make that decision for the rest of us... because the freedom that everyone in this room enjoys... is, in a very real way, in your hands. If we start throwing up walls against what some of us think is obscene... we may wake up one morning and realize... that walls have been thrown upin places we never expected... and we can't see anythingor... do anything. And that's not freedom. That is not freedom. So, be careful. Thank you."
VIDEO: [link to youtu.be]

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

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