Subscribe
Notify of
guest

278 Comments
newest
oldest most voted

Laura
Laura (@guest_409485)
May 23, 2017 12:19

Got my certified letter from Westfield on 5/20 saying they reviewed the OCC complaint and then they listed 3 reasons why they declined to open a checking account for me: more than 5 chex inquiries, I had no previous relationship with bank and I am not in Ohio. LOL (initially they couldn’t verify my identity). Just knowing they had to pay the certified postage, field the inquiry from the OCC and devise a response made me smile.

Also, just received notice Chex removed the inquiry after I disputed it.

sam
sam (@guest_381344)
April 1, 2017 10:13

Get the disputes in if you haven’t yet! Got the response back from ChexSystems yesterday. Westfield did not respond so the inquiry was removed. I disputed within 5 days after trying to open the account.

Kate
Kate (@guest_381346)
April 1, 2017 10:18

What did you say in your dispute? I tried to do this and received an letter back from ChexSys that said ‘we are unsure of your request’. Do you dispute the completeness or accuracy of the information in the enclosed report?

sam
sam (@guest_381348)
April 1, 2017 10:21

I said dispute inquiries initiated by consumer action. The only explanation/reason I provided was “bank error”. Let them respond to that…I’ve never gotten the “unsure” response from them, maybe it is because you didn’t write anything for an explanation?

Kate
Kate (@guest_381353)
April 1, 2017 10:25

Maybe I ‘explained’ too much 😉 I’ll try the short answer. Thanks!

Jeff G
Jeff G (@guest_387484)
April 11, 2017 01:50

Thanks Sam, just sent in my dispute. Got my ChexSystems report and saw that there are two inquires about three weeks apart from Westfield.

Jeff G
Jeff G (@guest_406765)
May 15, 2017 23:47

Just got the Chex Systems response – they removed BOTH of the inquires.

“ChexSystems has been unable to verify the accuracy of the disputed information submitted by Westfield Bank within the timeframe required by the Federal Fair Credit Reporting Act….therefore it has been removed from your consumer file.”

GRR
GRR (@guest_387129)
April 10, 2017 17:04

+1

However, check your report… There were TWO inquiries since the system fumbled/stalled on all the extra people applying, in the process two inquiries were done. I guess the failed web screens during the account application still went through to Chex.

Eduardo Baez
Eduardo Baez (@guest_372568)
March 18, 2017 15:34

Just got my ChexSystems Report. Westfield Bank did pull ChexSystems when applying for their Dream Big checking account on 02/20/2017. No word yet about ChexSystems dispute.

Michael
Michael (@guest_372241)
March 17, 2017 21:52

Had filed a CFPB complaint on Feb. 22 and Westfield finally got around to replying via Certified Letter. I am actually surprised they listed 6 total issues with my application for this account, the least/last being that I am not actually based in Ohio.

Love what they pulled from my Chex report. Since I found bank bonus churning, 2016 was quite a wild year for applications. I’m sure the person that got to right up this letter had a hoot complying all the info into a kiss-off letter.

Laura
Laura (@guest_409486)
May 23, 2017 12:20

I think the person got bored by the time they got around to mine as they only listed 3 reasons in my kiss-off letter 😀

sheri
sheri (@guest_368725)
March 12, 2017 11:33

To file the complaint with the OCC, do we have to contact Westfield to complain first? They are asking for a contact person at the bank. Can anyone post the detailed explanation of the complaint that they filed? Are you asking for compensation and to have the Chex inquiry removed?

Laura
Laura (@guest_367982)
March 10, 2017 12:52

CFPB referred and forwarded my complaint to OCC as well.

Eric
Eric (@guest_367987)
March 10, 2017 13:14

Did you complain that you wanted the Chex inquiry removed or that you actually wanted the $100 bonus?

Laura
Laura (@guest_368006)
March 10, 2017 13:47

Go big or go home 😉 I complained I wanted the $100 (not that I expect to get it). The least I’m getting out of this is some knowledge of the OCC, which is something I didn’t have before. (Admittedly I had to google what it was they did.)

Laura
Laura (@guest_365372)
March 6, 2017 16:24

I got my ChexSystems report. It was something I needed to order anyway so I used my yearly report since I didn’t know Westfield had run it since they were “unable to verify my identity”. (Westfield said I was denied because they were unable to verify my identity in an email.) Well, my report lists Westfield Bank under Inquiries Initiated by Customer Action on 2/21/2017. Just finished filing my CFPB complaint.

Ryan
Ryan (@guest_363650)
March 3, 2017 12:38

Just received the below email from the CFPB regarding the complaint I filed a couple weeks ago:

We received your complaint and after our review found that the best agency to help you with this issue is the OCC. We have forwarded your complaint to them.

If you have questions about your complaint or to get an update on its progress, contact the OCC at:

http://www.helpwithmybank.gov

Phone: (800) 613-6743
Fax: (713) 336 – 4301

OCC Customer Assistance Group
1301 McKinney Street, Suite 3450
Houston, TX 77010-9050

Thank you,
Consumer Financial Protection Bureau
consumerfinance.gov
(855) 411-CFPB (2372)

LC
LC (@guest_363214)
March 2, 2017 16:21

Everyone should file a CFPB complaint to get the Chex inquiry removed. False advertising through bait and switch technique.

MarcoPolo
MarcoPolo (@guest_360394)
February 25, 2017 22:22

Thank God I waited.