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[instableoxymoron]

In 2007 I had a Farmers Business Account with their CU. Long story short is my district manager advised his agents to cancel and rewrite some of my clients which is against company policy and resulted in the account I had no money in being overdrawn. Fast forward two years to 2009 and after some frustrations (to put it mildly) with BOA I pulled out my money and my wife and I went to apply at BECU. I found out the hard way (already shut down the BOA account) that I was denied due to my Chexsystems information.

We ended up starting an account with only my wife having access. We shared the debit card and had my check auto deposit, etc. but I was not on the account. I have no desire to pay Farmers for what I believe to be a immoral decision by one of their employees. We are now applying for a home loan though and I would like to be on the BECU account to eventually get a BECU CC and other services. The front desk manager indicated that if I had a bad account or collection showing on Chexsystems that they cannot and will not override it. We sat down with a rep and filled out the app to have me added anyways. She had to get manager approval and next thing I knew I had an account!

I asked if the derog is still on the report and she advised she cannot tell me. I ordered the report the week prior and on my way home received the Chexsystems report. It showed two listings from Farmers CU (it should only show one) one was from 12/2007 and another from 6/2008. Neither have hit the five year mark...maybe BECU was able to make an exception based on the age? Either way I am back on the account and am still refusing to pay a dime to Farmers.

[breeze]

You need to contact Farmer's home office. I would think if you know how they are structured, you could figure out who to write. Don't go to anyone in the commission structure, because that manager (the one that cheated you) could be making them a lot of money and they won't want to believe you.