Jump to content

Sign in to follow this  

Denied Joint owner on new DCU account

Recommended Posts

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.

Share this post

Link to post
Share on other sites

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.

Share this post

Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Sign in to follow this  

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
  • Create New...

Important Information