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.