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EWS


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4 replies to this topic

#1 falikal

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Posted 31 March 2018 - 04:13 AM

I have the following information on my EWS report ... I really dont know if its bad or good but chase wont give me an account by automated system so it cant be good... help?

 

What is scaring the banks and what can I do to fix things .. I do currently have two good banks .. 1st National and Capital one both with significant sums of money in them.

 

USAA

 

Principal Loss: $0.00 Fee Reversal: $0.00 Combined Loss & Fee Reversal: $0.00
Paid/UnPaid/Settled: Unpaid
Contribution Reason: Transacting (or attempting to transact) with an account in an unauthorized or prohibited manner.

 

USAA

 

Incident Date: 12/16/2014
Principal Loss: $0.00 Fee Reversal: $0.00 Combined Loss & Fee Reversal: $0.00
Paid/UnPaid/Settled: Unpaid
Contribution Reason: Transacting (or attempting to transact) with an account in an unauthorized or prohibited manner.

 

Bank of America

 

Open Date: 12/10/2007 Close Date: 10/07/2011
Current Account Status: Closed For Cause-Purged Previous Account Status: Closed For Cause
Date of Last Status Change: 01/05/2012

 

Bank of America

 

Open Date: 12/10/2007 Close Date: 10/21/2011
Current Account Status: Closed For Cause-Purged Previous Account Status: Closed For Cause
Date of Last Status Change: 12/07/2011

 

Above account is on twice with same account number and same info

 

Compass bank

 

Open Date: 03/14/2013 Close Date: 11/20/2013
Current Account Status: Closed For Cause Previous Account Status: Closed For Cause-Purged
Date of Last Status Change: 07/14/2017

 

Compass bank

 

Open Date: 03/28/2013 Close Date: 11/29/2013
Current Account Status: Savings Closed For Cause Previous Account Status: Savings Closed For Cause-Purged
Date of Last Status Change: 07/14/2017

 

Compass bank

 

Open Date: 02/18/2015 Close Date: 02/24/2015
Current Account Status: Closed Previous Account Status: Closed-Purged
Date of Last Status Change: 07/14/2017

 

Compass bank

 

Open Date: 02/18/2015 Close Date: 02/26/2015
Current Account Status: Closed Previous Account Status: Closed-Purged
Date of Last Status Change: 07/14/2017

 

Suntrust bank

 

Open Date: 06/12/2017 Close Date: 06/13/2017
Current Account Status: Closed-Purged Previous Account Status: Closed
Date of Last Status Change: 07/03/2017

 

Suntrust bank

 

Open Date: 06/12/2017 Close Date: 06/13/2017
Current Account Status: Savings Closed-Purged Previous Account Status: Savings Closed
Date of Last Status Change: 07/03/2017

 

USAA

 

Open Date: 02/08/2012 Close Date: 10/02/2015
Current Account Status: Closed For Cause Previous Account Status: Post No Debits
Date of Last Status Change: 10/02/2015

 

USAA

 

Open Date: 05/08/2012

 

Just lists a open date

 

USAA

 

Open Date: 07/06/2012 Close Date: 12/16/2014
Current Account Status: Savings Closed For Cause Previous Account Status: Savings Post No Debits
Date of Last Status Change: 12/16/2014

 

USAA

 

Open Date: 09/24/2012 Close Date: 12/15/2014
Current Account Status: Closed-Purged Previous Account Status: Closed
Date of Last Status Change: 12/28/2017

 

USAA

 

Open Date: 09/24/2012 Close Date: 12/04/2014
Current Account Status: Closed For Cause Previous Account Status: Post No Debits
Date of Last Status Change: 12/04/2014

 

Wells Fargo

 

Open Date: 10/06/2014 Close Date: 11/18/2014
Current Account Status: Closed For Cause-Purged Previous Account Status: Closed For Cause
Date of Last Status Change: 11/23/2015

 

Wells Fargo

 

Open Date: 09/25/2014 Close Date: 12/11/2014
Current Account Status: Closed-Purged Previous Account Status: Closed
Date of Last Status Change: 11/23/2015

 

Wells Fargo

 

Open Date: 10/09/2014 Close Date: 11/19/2014
Current Account Status: Closed-Purged Previous Account Status: Closed
Date of Last Status Change: 11/23/2015

 

Wells Fargo

 

Open Date: 10/30/2014 Close Date: 11/18/2014
Current Account Status: Closed For Cause-Purged Previous Account Status: Closed For Cause
Date of Last Status Change: 11/30/2015

 

Wells Fargo

 

Open Date: 07/29/2014 Close Date: 11/14/2014
Current Account Status: Closed For Cause-Purged Previous Account Status: Closed For Cause
Date of Last Status Change: 11/30/2015

 

Wells Fargo

 

Open Date: 10/09/2014 Close Date: 10/09/2015
Current Account Status: Closed-Purged Previous Account Status: Closed
Date of Last Status Change: 08/28/2017

 

Wells Fargo

 

Open Date: 09/25/2014 Close Date: 12/18/2015
Current Account Status: Closed-Purged Previous Account Status: Closed
Date of Last Status Change: 08/28/2017

 

Wells Fargo

 

Open Date: 03/27/2013 Close Date: 01/08/2014

 

no account status

 

 





#2 stevensmileyx

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Posted 31 March 2018 - 10:32 AM

On EWS.. closed for cause is a negative entry. It means, in their opinion, that you did handle the account properly. The bad part of this is that there are several of them along multiple banks. Huge red flag. And even if you did get an account open, you are sure that later on down the line it would be closed for as long as your EWS report looks like this.

 

What does your Chex report look like? What part of the Country are you in?

 

If you are bent on getting your EWS report fixed, look at fixing any part of the entry that is not accurate. If the bank lists a wrong date or anything inaccurate - it can be disputed. But unless you can get all of these closed for cause entries deleted, I am afraid you might want to look at a bank that doesnt use either of these services.

 

And I would run away from Capital One. They use EWS and are known for random security checks just like every other EWS interested party.



#3 falikal

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Posted 01 April 2018 - 02:14 AM

Thanks I figured as much, so whats a good way to attack it, also when will they be removed Ive heard 5 years and Ive heard 7. Since the old BOA are still there I assume 7?

Far as cap one goes I hear you but I wont leave more than a few thousand there. I have a 1st National convience bank account for last 2 years that works well.

I actually dont know my Chex I am out of the country for work for a few more months. Ews sent it by email but I couldnt find a option for Chex. All my denials talked about ews though.

My home is in Arizona.

#4 tmcgill

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Posted 03 April 2018 - 11:32 AM

EWS reps state on the phone they only report for 5. Dispute the entries older than 5 years as obsolete.

Examine each entry for any possible errors.

 

In the interim, with this many entries I would locate a non-EWS non-Chex bank or credit union.

(MCA's pinned list for Arizona) **Scroll down for AZ.

https://creditboards...04675&p=5694047


Edited by tmcgill, 03 April 2018 - 11:32 AM.


#5 falikal

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Posted 04 April 2018 - 06:42 AM

EWS reps state on the phone they only report for 5. Dispute the entries older than 5 years as obsolete.

Examine each entry for any possible errors.

 

In the interim, with this many entries I would locate a non-EWS non-Chex bank or credit union.

(MCA's pinned list for Arizona) **Scroll down for AZ.

https://creditboards...04675&p=5694047

 

Ok thats good to know if it is 5 years I can get a chunk of them off even now. I will examine the rest for errors and see if I can fix it.

 

I actually do have two banks at present, I just want to be able to get in a better position .. Im finally cleaning up most of the crap that has happened and it would be nice to be able to get into a national bank as well.

 

Thank you for your advice.

 

Ted






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