Ken
Randolph,#2Consumer Comment
Mon, May 05, 2008
Banks do not normally run a 'credit check' on a new customer unless there is an actual credit application involved. (like an overdraft line of credit) What they do is run two different checks: the first is through OFAC, and is required by law to establish identity and ensure that you are not on 'lists' of people under government watch. (like money launderers) The second, which is optional to the bank, is to ChekSystems or a similar outfit. These people will tell your bank if another bank took a loss on you in the past. Being as there is honor among thieves, the new bank usually will not accept your account until you have paid back your old bank and they (the old bank) give you clearance. This always comes as a surprise to those folks who think they are just going to walk away from all those overdraft charges they accumulated.
Steven
Jacksonville,#3Consumer Suggestion
Sat, May 03, 2008
Sounds like you have problems keeping a positive balance in the bank. Alot of over drafts or failure to pay fees will cause the problem you experienced. You can check with a credit union. Sometimes they are more lenient than the mega-banks it could be even easier if your husband is retired military or otherwise eligible. Your alternatives other than that are check cashing places that charge outrageous fees or maybe cash it a grocery store (funds permitting).
Steve
Bradenton,#4Consumer Suggestion
Sat, May 03, 2008
Sybil, There is obviously much more to the story here, especially the fact that you allegedly have 2 other bank accounts, but needed to open this one to deposit your SS check into! Why not just use direct deposit for your SS? And, you opened a new account with only your SS check, and took cash immediately from the new deposit on the new account? This I find hard to believe. As far as the credit check goes, ALL banks do it on new accounts since 9-11. They do this to verify your identity. You obviously have some very serious credit issues, and/or have a fraud alert/freeze on your credit files. BTW..The disabilty status of you or your husband is totally irrelevent to this report. Exactly what kind of discrimination are you alleging? Please be specific.