As I've often posted, banks will often report accountholders for "abuse" or "fraud", when there was no intentional abuse or actual fraud. There is no clear FCRA or FTC definition of abuse or fraud, and financial institutions have a lot of lattitude in sending information to Chexsystems and Early Warning Services.
It is so important to monitor accounts, communicate and work with the bank when overdrafts or return items occur. I've found maintaining a good relationship with branch managers (where you opened the account) is also helpful.
Good Read From Bankrate: http://www.bankrate....ount-abuse.aspx
Edited by tmcgill, 21 October 2016 - 09:05 AM.