You can request a copy of your report online using
ChexSystems Consumer Center. It will be mailed
to you in approximately three to four weeks.
You can also request a copy of your report by
writing to ChexSystems or by sending a fax:
12005 Ford Road, Suite 600
Dallas, TX 75234-7253
Fax: (972) 241-4772*
Instructions can be heard by calling:
(800) 428-9623* or
Option 1 for English, then Option 5 for customer service.
If you indicate that you have been denied an
account at a bank or credit union within the
past 60 days, then you are eligible to recieve
your report free. Otherwise there is an $8
charge. We've been told that ChexSystems doesn't
verify that you truly were denied an account
recently and will take you on your word as far
as getting the report for free.
If you write or fax, then you need only to
provide the following info:
Name, address, and Social Security
ChexSystems also asks for additional information
such as date of birth, driver's license number,
prior addresses, etc., but please keep in mind
that ChexSystems also performs collections
and works closely with direct marketers.
There is no valid reason
that they need this information and will be able
to locate your ChexSystems record just fine using
only your name, address, and SSN.
Customer Service for Members:
Banks and credit unions can call
(800) 328-5120* or
to reach ChexSystems' Inquiry Department. At this
number, your banker (but not you) can obtain the
details in your record immediately.
Your banker can call this number to get all
the information in your files and according to
FCRA Section 607 (c) regulations,
ChexSystems cannot discourage your banker from
relaying that information to you.
ChexSystems now offers a customer service number,
(800) 513-7125, for consumers to reach a
human there. If the wait time on hold at that
number is too long, and you REALLY want to speak
to a human, sometimes you can ask for a supervisor
at either of these 800 numbers and perhaps someone
may be able to talk with you. Additionally, you
can try calling (972) 247-5100, and press "0".
Tiffany Haley is an employee who handles
consumer complaints, and she can be reached at
(972) 247-5100, extension 8014. Her
supervisor's name is Janette Roman. Nelly
Kennedy is the manager of consumer relations.
Or else, try (972) 280-8580, then press the #
key, and enter random 3 digit extensions until
you find someone on the inside at ChexSystems
who will take your call. Either you will find
someone this way, or after the third attempt,
your call will get forwarded to a human.
It really shouldn't be this difficult to reach a
human there, and ChexSystems' peers have learned
their lesson after being
sued by the FTC
for failing to answer the phone. If you feel that
ChexSystems also isn't answering the phone adequately,
let the FTC know.
The phone number you call from can be recorded by ChexSystems
regardless of whether or not you have "caller ID blocking"
enabled (especially with the 800 and 888 calls, which will
always report the caller's ID.).
ChexSystems is owned by Deluxe Corporation
Deluxe Check and Deluxe
Corporation headquarters can be reached at
(651) 483-7111. One Deluxe employee who can
talk about ChexSystems is Susan Amston. Lisa Nelson is
the director of consumer affairs and information
practices for ChexSystems. Other names in
ChexSystems management who might be useful
to you are Kerry Sydow, Cheri Putney, David
Sidler, and Lucinda Khalu.
Also, if you are curious as to what the
people on the inside at ChexSystems are
like then please read this
message we received.