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Venge97RI

Denied Joint owner on new DCU account

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So My Fiancée and myself have decided to get a joint checking account at DCU . I was denied being a joint owner , due to being in Chex systems , apparently Santander says I owe them ~$350.00 . I have requested a copy of my report and received it . so what are my next steps here. I did have a Santander account but I do not remember leaving with a negative balance . DCU says long as I have a letter from Santander showing that it was satisfied they will add me on the joint account.

 

I can pay it but I'm looking to get the best outcome possible , should I just contact Santander Directly ? or work through the Dispute process at Chex systems.

 

FYI , since the date on the Santander account is showing 2015. I have since opened accounts at Bank of America , and Navy Federal CU with no issues at all.

 

Thanks for any assistance you may be able to provide.

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Some banks and credit unions will ignore Chexsystems info if it is over 24 months. Others, will hold you to the fire for the full 5 year reporting period. Unless you have a reporting error you can leverage, I would pay Santander and get the letter. Try negotiating a pay for delete. Most won't delete - but will update it to a paid status.

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