ChexSystems Removal Letter 4

ChexSystems Dispute Letter 1 | Dispute Letter 2 | Dispute Letter 3 | Dispute Letter 4

Check Out Our Top Picks for 2023:

Banks That Don’t Use ChexSystems
&
Second Chance Banks

ChexSystems Dispute Letter 4 (Send to the Bank that reported you to ChexSystems, in addition to sending Letter 1)

In addition to mailing dispute letters to ChexSystems, you also have the right to dispute the negative listing directly with the bank that listed the negative item. Doing so may give you faster results than simply disputing with ChexSystems alone, particularly in the case of older items and accounts that were transferred from one bank to another.

Below is a template you can use when drafting your letter to the bank. Please note that this template is provided for resource purposes only, and is not legal advice.

Dispute Letter 4 Template

{Your Name}
{Your Street Address}
{City, State, Zip Code}

{Bank Name}
{Bank Street Address}
{City, State, Zip Code}

{Date}

RE: Account Number {xxx-xxx-xxx-xxx}

To Whom It May Concern:

This letter is in regards to the account number listed above which you claim has {specific negative condition}. I hereby notify you that your claim is disputed, and I am requesting complete validation per the Fair Debt Collection Practices Act.

Please note that I require full validation under the law, to include copies of completed and signed documentation indicating that I have a contractual obligation to pay you, or had such an obligation to pay in the past.

The letter also serves as your notification that I am disputing this alleged {specific negative condition} with all credit bureaus where it has been listed. Per the Fair Credit Reporting Act, any debt which cannot be properly validated may not be reported to any credit bureau.

Your failure to remove inaccurate information from my credit files will be documented as a violation of the Fair Credit Reporting Act for the sole purpose of pursuing legal relief under current consumer laws.

Please submit any substantiating evidence of your claims regarding the account listed above to the following address:

{Your Name}
{Your Street Address}
{City, State, Zip Code}

If I do not receive a response from you regarding your claim within 30 days of the verified receipt of this letter, I will assume that you do not have the required documentation and that your claim is invalid. Per this assumption, I will move forward with legal proceedings to retrieve damages for your ongoing violations of the FCRA and FDCPA.

Please note that any and all information provided by you will be documented thoroughly as part of the ongoing validation process. I look forward to your timely response and correction of this oversight.

Regards,

{Your Name} (make certain it is printed or typed; do not provide a copy of your signature)

3 Banks That Don’t Use ChexSystems

Chime®

Crediful’s rating
Visit Site
  • No credit check or ChexSystems
  • No minimum opening deposit or monthly service fee
  • Over 60,000+ fee-free1 ATMs
  • Get paid up to 2 days early with direct deposit2
  • Available in all 50 states

U.S. Bank

Crediful’s rating
Visit Site
  • $300 sign-up bonus
  • $25 minimum opening deposit
  • Monthly service fee can be waived
  • Over 40,000 fee-free ATMs

Chase

Crediful’s rating
Visit Site
  • $100 bonus after 10 purchases in 60 days
  • No credit check or ChexSystems
  • Over 16,000+ fee-free ATMs
  • $4.95 monthly service fee

Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.

1. Out-of-network ATM withdrawal fees may apply with Chime except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

2. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Chime generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.