How to Talk to a Live Person at ChexSystems [2021]

Did you know that not all banks use ChexSystems to validate your banking history? View our 15 Best Banks That Don’t Use ChexSystems to learn which banks we recommend that you open a new account with today!
how to talk to a live person at chexsystems

Trying to talk to a live person at ChexSystems can be frustrating

How to Talk to a Live Person at ChexSystems

If you’ve been informed that you’re “in ChexSystems” by a bank, that’s definitely not good news for you. You’ll want to contact ChexSystems to uncover what’s going on as soon as possible. You can write, fax or use ChexSystems’ site to request a copy of their report about you. However, often you’ll just want to talk with a live person to try to help clear things up or to find out exactly what you need to do. Unfortunately, ChexSystems doesn’t make that simple.

Who is ChexSystems?

Banks report to ChexSystems when they believe you’ve had a problem with your account– written a bad check, closed an account with a negative balance, acted like a money launderer or participated in a financial activity that they think is abnormal.

Calling ChexSystems with the Number on their Website

You can try the toll-free number on the ChexSystems website, 1-800-428-9623. However, this is an automated voice messaging system and not an actual person that you’ll be speaking to so it may or may not be useful depending on where you are at in the process or what exactly your situation is. However, if you want to speak to an actual live person, we will cover that in the next section.

This is how you can talk to a real person at ChexSystem

This is how you can talk to a real person at ChexSystem

Speaking to a Live Person at ChexSystems

To speak to a live person ChexSystems, try calling 1-800-513-7125 and pressing option # 1 to hear a recording in English, then press # 7 to reach a live person (or whatever option they tell you to, in case it’s changed). It might sound like you’re getting detached from the call. However, just be patient and wait for an operator at the call center to come on the line.

The ChexSystem dispute page doesn’t offer a way to call them and speak to a live person. If you need to get in touch with ChexSystems by mail, you can likewise do that. You can mail them at the following address:

ChexSystems, Inc
Attn: Consumer Relations
7805 Hudson Road, Suite 100
Woodbury, MN 55125

If You End Up in the ChexSystem Database, You’re Not alone

If you’ve ended up in the Chex Systems database, you’re not alone. With debit cards and automatic periodic withdrawals, it’s easy to misplace exactly just how much remains in your bank account and end up overdrawn a few times.

If you are certain that you’ve never done anything financially wrong to be put in ChexSystems, identity theft could potentially be another issue. If your debit card or checkbook was stolen, the FTC warns consumers to contact their bank as soon as possible so stores will decline the transactions, and to keep an eye on ChexSystems to ensure the thief isn’t causing issues with your name in their system.

Keep in mind that ChexSystems doesn’t make the decision if you’ll be allowed a new bank account. They just sell reports to banks, who utilize the info to make their own choices. So if you’re refused a brand-new bank account, you’ll need to speak to someone at your bank to get them to reconsider, or find a bank that’s more generous with brand-new accounts. Of course you could just open a new account at a bank that doesn’t use ChexSystems to qualify applicants. See our list of the click here for the banks we recommend that don’t use ChexSystems.

ChexSystem Home Page

The phone number listed on the ChexSystem home page doesn’t allow you to speak to a real live person

Can Speaking to a Live Person at ChexSystems Get My Name Removed?

It really comes down to your specific situation as to if a live person at ChexSystem can actually get you removed from their database. Even if they can get you removed though, it isn’t just as simple as calling them and telling them you’d like to removed. You’ll have to be prepared prior to calling and speaking to a live person at ChexSystems or you’ll just be wasting time.

What You Should Do Prior to Speaking to a Live Person at ChexSystems

There are a few things you want to do prior to calling and speaking to a live person at ChexSystem. Doing so will ensure that you’re are being efficient with your time in getting matters resolved and access to the bank account that you’d like access to.

Request Your Report

Request a copy of your ChexSystems report by calling 1-800-428-9623 or by going to the Request Reports section on their website and filling out the consumer disclosure form. Submit it online or print it out and mail it to:

ChexSystems, Inc
Attn: Consumer Relations
7805 Hudson Road, Suite 100
Woodbury, MN 55125

chexsystems disput page

The ChexSystem dispute page doesn’t offer a way to call them and speak to a live person

What to do if You Discover Errors on Your ChexSystems Report?

If you discover information that you think is wrong, gather supporting documents, like payment records or bank statements. Then go to the Dispute Info area of the ChexSystems site and pick how you’ll send your dispute:

  • Reporting Errors with Your ChexSystems Report Online

    At the link above, click that website where it states “send your dispute now.” You’ll be taken to a form to complete and an area where you can upload files that support your claim. As soon as you’re ready, hit “submit” at the bottom of that page.

  • Reporting Errors with Your ChexSystems Report by Mail or Fax

    Starting at the same link above, click at the phrase “read more about other methods of submitting a dispute.” From there, you’ll see a link for the “Request for Investigation” form to print out. Then fill in the necessary information and include copies of any supporting documents– not originals. Send these files to the address noted above, or fax them to 602-659-2197.

  • Reporting Errors with Your ChexSystems Report by Phone

    If you’ve previously received a copy of your ChexSystems report, you can speak to customer service at the following phone number: 800-513-7125. This is valuable if you don’t have any supporting files. You can’t make disputes, including fraud or identity theft, by phone.

What to do After You Speak to a Live Person at ChexSystems?

The next part is up to you and depends on your situation. If you found errors on your ChexSystems report, you can let customer service from ChexSystems get in touch with the bank or cooperative credit union that reported false info on your behalf or mail a dispute to the financial institution yourself. If you choose to do it yourself, use this sample letter to start.

ChexSystems customer service and your financial institution need to look into the dispute within thirty days. If they confirm that info is wrong or incomplete, they’re bound by federal law to fix it. If you’re not pleased with the outcome, you can include a brief statement with your report discussing the issue.

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