Updated & Verified: January 16, 2021
Talk to a Live Person at ChexSystems 2021
Call 1-800-513-7125.
The automated system will ask you which language you prefer before presenting you with a number of other options.
To talk to a live person, choose option 7.
Before you call, though, are you aware of your rights as a consumer? Keep reading if you don't know.
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How do I find out if I have a negative ChexSystems score?
If you are unsure if you're currently on the ChexSystems "bad list", it's relatively easy to find out by requesting a report from them.
To request the report, you have several options - some of which are faster and easier than others.
Keep in mind also, you can only request this info for free once every 12 months and if you choose to have the report mailed to you, expect it to take approximately 5 business days.
Chex Systems, Inc.
Attn: Consumer Relations
7805 Hudson Road, Suite 100
Woodbury, MN 55125
Know your rights before you contact ChexSystems
Similar to credit reporting agencies, ChexSystems is governed by the Federal Credit Reporting Act (FCRA). This means you have the right to dispute errors or mistakes on the ChexSystems report and to get clarity about the information collected.
A few of these rights include:
Effectively disputing inaccurate information on your ChexSystems report in 4 simple steps
If you have requested your ChexSystems report and have discovered inaccurate information or an error in the report, it's important to dispute the information as soon as possible. Otherwise you may have difficulty opening a new bank account among other potential issues.
How long does a report stay on file with ChexSystems?
If you have a ding on your ChexSystems report and you can't get it removed, it usually takes five years for it to fall off and no longer show up on your report.
As a result, having this item on your report will likely limit your options when trying to open a new bank account.
This is why it's so important to dispute any errors on your report and if the information is ultimately accurate, paying off the debt as quickly as possible to avoid having to wait.
Does ChexSystems go on your credit?
The short answer is no - at least not directly.
That said, if you have been denied a checking or savings account at a bank as a result of your ChexSystem report, it's probably a result of having financial difficulties in the past which is probably impacting your credit history and credit score.
Also, having a negative balance on a checking account and having that debt sent to a collection agency will likely harm your credit score. If this is the case, paying off this debt as quickly as possible is highly recommended.
What you can do if disputes are not resolved with ChexSystems?
If you are unsatisfied with the outcome if your dispute with ChexSystems, you can file a complaint with the Consumer Financial Protection Bureau.
Once your complaint is filed, it will be forwarded to ChexSystems to get a response. Depending on the situation, they may also forward your complaint to another Government agency for review.
After they review your complaint, you will be contacted and told what steps need to be taken to resolve the issue. This process may take 15 to 60 days.
If the complaint still doesn't resolve your dispute with ChexSystems, you may be able to seek damages from them as it maybe be a violation of your rights under the Fair Credit Reporting Act. If this is a route you would like to take, seeking legal advice from an attorney is highly recommended.
Conclusion
ChexSystems doesn't make it simple to figure out how talk to an actual live customer service person instead of using their automated system. However, if you follow the process outlined here, you should have no problem getting a hold of someone there that can help you with your issue.
