Supsected Fraud on Chex through BOA... California

[jrbeats637]

Hello Everyone,

 

I've come to a complete hault and I am stuck on what i need to do next.

 

I've sent a letter to chexsystems regarding BOA reporting me for "Suspected Fraud". I noted in my dispute that there's no evidence of Debt Owed and No Evidence of Fraudulent Activity.

 

After I sent the letter of Dispute, I recieved a letter from Chex Saying: "Chexsystems has been unable to verify the accuracy of the disputed information submitted by BOA...... If the reporting member does certify the accuracy and completeness of the information, it will be reinserted into you consumer file...."

 

I thought!!! Great!!! This actually worked and I am able to open a bank account without having to worry about a thing!

 

WRONG....!

 

I get a letter back from Chex saying: "...BOA California was deleted from your consumer file due to the length of time that had passed since your original dispute was recieved. Since that time, the source of the information has certified that the information is accurate, therefore, it has been reinserted into your consumer file".

 

Chexsystems enclosed bank statments from BOA the year my account was closed. Closed due to NSF.

 

I feel that the information BOA provided Chexsystems with is inadequate and I'm being wrongfully accused for something I had no intentions of doing.

 

I want to send another Dispute letter, i just don't know what i should put down...

 

Can someone please help me...

[jrbeats637]

Bump

[breeze]

How long ago did this happen?

[jrbeats637]

This first letter Chex sent was on the 11th stating I was removed chex. The second letter came nearly a week ago.

 

I' so eager to send another letter to chex. I'm just unsure of what to say...

 

Thank you for your reply. Its a lot to me!

 

Jr

[breeze]

this - Chexsystems enclosed bank statments from BOA the year my account was closed. Closed due to NSF. - when did this happen?

[jrbeats637]

BOA closed my account in Aug. 2008

[jrbeats637]

this - Chexsystems enclosed bank statments from BOA the year my account was closed. Closed due to NSF. - when did this happen?

 

 

How would I put this in a dispute letter to chexsystems?

 

Chexsystems only provided me with an address and no contact information in connection to the investigation.

 

I specifically asked for evidence of "Suspected Fruad" activity bearing my signature... And all they give me are bank statements from the previous months before my account was closed.

 

should I reiterate that in the next letter I send?

 

Thanks in advance.

 

jr.

[mca]

 

this - Chexsystems enclosed bank statments from BOA the year my account was closed. Closed due to NSF. - when did this happen?

 

 

How would I put this in a dispute letter to chexsystems?

 

Chexsystems only provided me with an address and no contact information in connection to the investigation.

 

I specifically asked for evidence of "Suspected Fruad" activity bearing my signature... And all they give me are bank statements from the previous months before my account was closed.

 

should I reiterate that in the next letter I send?

 

Thanks in advance.

 

jr.

There are sample letters on my forum at http://www.chexvictims.net/index.php?showtopic=2972

[jrbeats637]

 

 

this - Chexsystems enclosed bank statments from BOA the year my account was closed. Closed due to NSF. - when did this happen?

 

 

How would I put this in a dispute letter to chexsystems?

 

Chexsystems only provided me with an address and no contact information in connection to the investigation.

 

I specifically asked for evidence of "Suspected Fruad" activity bearing my signature... And all they give me are bank statements from the previous months before my account was closed.

 

should I reiterate that in the next letter I send?

 

Thanks in advance.

 

jr.

There are sample letters on my forum at http://www.chexvictims.net/index.php?showtopic=2972

Thanks so much MCA... BTW, i signed up on your website. Very informative. I am getting a letter together for Chexsystems right now.

When would be a good time to try and dispute with the bank? and being that I am in California is there a specific address to send my dispute letter to?

 

Thanks again!

[mca]

 

 

 

this - Chexsystems enclosed bank statments from BOA the year my account was closed. Closed due to NSF. - when did this happen?

 

 

How would I put this in a dispute letter to chexsystems?

 

Chexsystems only provided me with an address and no contact information in connection to the investigation.

 

I specifically asked for evidence of "Suspected Fruad" activity bearing my signature... And all they give me are bank statements from the previous months before my account was closed.

 

should I reiterate that in the next letter I send?

 

Thanks in advance.

 

jr.

There are sample letters on my forum at http://www.chexvictims.net/index.php?showtopic=2972

Thanks so much MCA... BTW, i signed up on your website. Very informative. I am getting a letter together for Chexsystems right now.

When would be a good time to try and dispute with the bank? and being that I am in California is there a specific address to send my dispute letter to?

 

Thanks again!

I would dispute it right away based on the suspected fraud and it is the same address