EWS entries - Background check for employment with bank

[Destardi]

Hi everyone..I apologize if this isn't the right forum.

 

I have 2 entries in Early Warning Services; I've just requested my report. One would be for USAA, the other not sure...

 

What worries me is:

1 - I've read that some people have had job offers rescinded after EWS shows a 'fraud' alert during a background check (Shouldn't have this as I didn't do anything fraudulent)

2 - I previously worked for Bank of America in 2004 and wrote a check against another account that had NSF (was awaiting a huge deposit) but they terminated me due to that (they still paid me for an extra 2 weeks that I didn't work and allowed me to draw off of unemployment; I had a stellar performance rating with them otherwise.)

 

For #2, I know that EWS has a shared database between financial institutions to track employees with an 'unfavorable employment history'.

 

I'm guessing since I was terminated in 2004 that it shouldn't be in EWS...but it *was* Bank of America.

 

I know that I've learned from stupid mistakes since all of this and the high position is actually in I.T., nothing to do with money.

 

 

 

 

[BRBiz]

So Im assuming you are looking for a job within the banking industry and that is why they check EWS when hiring? Because I have never heard of a employer checking EWS for a background check.

 

What I will say is any CRA that reports a account as fraud really has no basis to do so. Unless you were charged and convicted of fraud its really tough for them to be able to use that term although they do all the time. When I was younger I had a account listed on Chex that was marked as fraud and I disputed it with the reasoning I just said and it was changed to the actual correct reason overdrafts or something. This approach has worked for a few others so it seems to atleast get that word fraud off of the report. Not sure if that would help on your case or not but if your looking to get them totally off the report that is unlikely to happen.

[Stormandshadow]

I recently attempted to open an online checking account at Suntrust . They opened the account temporarily, then several days later

I received a strongly worded letter informing me that they were closing the account, warning about any outstanding overdrawn amount,etc. sent by their "Enterprise Fraud Management" Dept. When I received the letter, I had not yet even funded the account or received signature cards, nor was I given a complete account number. I called the customer service dept to see what I could find out - and the rep said that

it was based on info on a credit report -- but she would not provide any additional information. ( I also did not recall reading anything that gave permission to run a credit report.) Are they not obligated to provide further details - i.e., which CRA, specific reasons? In any case -- as I recall the bank was suggested on the Chexvictim website . Based on this experience -- definitely not. I have read other letters or rejection -- this letter from Suntrist was incredibly vague and nasty, taboot.

[BRBiz]

Yes they have to tell you which CRA and the reason.. You should get another letter with that info. They usually will not tell you over the phone the reason or what source they used.

 

Do you have any unpaid accounts any where?

[Stormandshadow]

To date,, no other letter from Suntrust with specific CRA and reason. I would like to know which CRA -- but, despite what the rep said,

 

I'm still not sure it was

 

actually a credit

 

report per se - and not Chexsystem. Does anyone know what Suntrust Bank pulls? I do have an unpaid (TD Bank 2010) on Chexsystem. I had

 

called them and was going

 

 

to pay, but they were not willing to negotiate anything -- and the $$ amount was ridiculously higher than the original overdraft amount--

 

due, of

 

course, to fees, etc. I thought about going to someone on Sr. management . I will explore futher. I would really like to get this resolved.!

 

I would welcome any suggestions. Many thanks.