Jump to content

Welcome to CreditBoards!

Sign In 

Create Account
Welcome to CreditBoards! Like most online communities, you must register to post in our community, but don't worry - this is a simple process requiring minimal information for you to sign up. Be a part of CreditBoards by signing in or creating an account.
  • Start new topics and reply to others
  • Subscribe to topics to get email updates
  • Get your own profile page and make new friends
  • Send personal messages to other members.
Guest Message by DevFuse

Read These Items!

  • We're done with the posts turning political, guys.  
  • Starting immediately, any post that turns political will be immediately closed and the poster who interjected politics will be warned.  
  • ​It is our interpretation that deems it political.  We will not entertain discussion about your intentions.  
  • If you're getting an Authentication mismatch error: Clear your cache. Log out of CB. Delete your cookie. Close your browser. Open your browser and log back in.
  • Yo!  AOL email is bouncing and they aren't giving us a way to get off their blacklist.  If you're registered with an AOL email address and you have another one you can use in your settings, please change your email on record, so you can get the notifications you're expecting.


Denied Joint owner on new DCU account

  • Please log in to reply
1 reply to this topic

#1 Venge97RI

  • Members
  • 6 posts

Posted 12 October 2017 - 08:32 AM

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.

#2 tmcgill

  • Members
  • 3,166 posts

Posted 12 October 2017 - 04:08 PM

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.

1 user(s) are browsing this forum

0 members, 1 guests, 0 anonymous users

© Copyright 2003 - 2015 Creditboards.com. All rights reserved. No portion of this site may be reproduced without explicit permission from the owners. The content of creditboards.com is subject solely to the personal whim of its admins. We reserve the right, at our sole discretion, to remove any and all posts or comments, at any time, for any reason which takes our entirely capricious fancy, or for no particular reason whatsoever, without restriction. Comments or questions regarding the site may be addressed to admin@creditboards.com.