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We opened a checking account as a result of a mortgage (which was paid off). It is a checking account that was not used and apparently the service fees drained the account and left us with a balance owed of $35. I received letter from ChexSystems saying that despite several attempts to resolve the issue, they were unable to do so and have reported us to credit agency. I called the Bank and complained, offered to pay the $35 and asked for copies of documentation evidencing these several attempts. There were none. There were no notes in the file, no letters, no logs of phone calls. When I called Chex Systems there was no way to speak with anyone to pay this bill. I was told that this will remain on my credit for 5 years. The money is not the issue, in fact I offered my credit card number over the phone, which they would not take. My issue is that they never contacted me, could not provide documentation of any attempt to contact us, but yet they can ding my credit with no proof. We have wonderful credit, but to receive a threatening letter saying this would impact my ability to open future accounts with other financial institutions without proof of contact of any kind, the fact that the letter provided no means of repayment, their refusal to take a credit card over the phone and the fact that I was told there is no means for me to file a formal complaint is unconscionable.

We had been depositing checks from our own bank account at a different bank. Inexplicably they decided to hold on to one of these checks for several days., which is actually a violation of federal law. Federal law states that the bank must make checks available by the second business day following the deposit. (The Board of Governors of the Federal Reserve System Regulations created the Expedited Funds Availability Act (EFAA) Regulation CC: Availability of Funds and Collection of Checks 12 CFR 229. See Section 229.12. The computer portal showed they had the check, but they had not applied it to the balance. They did not apply the check until the 8th business day. And, although they had decided to randomly hold this particular check for so long, they did not inform us or contact us about it. Thus, we had several overdraft fees. I did paperwork to close both accounts that we had. They refused to close the account for which they were holding the check- from my own other bank from my account- a check from myself to myself, but they did agree to close the other and had me fill out paperwork to do so. Lo and behold, they did not close it, but continued adding monthly maintenance fees. Because I had already withdrawn my money on this particular account to make the account balance 0 then, we were over drafted again due to the monthly maintenance fees. So what this means is all this is going to go on my credit report unless I pay up these fees that they cause me themselves. I can't get away from this bank!!!! I did everything I could to add money to the account to avoid this! This kind of thing has happened randomly over the years and they always handle it terribly. And they give no help when we call it on the phone. They always say we have to go down to our specific branch in person. Maybe I wouldn't be so mad if their general concern towards their customers was better. We use the ATM that's in their parking lot several times over several weeks and it never once was cleaned. The keys you had to touch were GROSS! They had black caked stuff on them (the keys were supposed to be white.) When I threw a fit about it, they finally bothered to clean it and gave me excuses as to why they never walked into their own parking lot to clean it. Not only that, but they change their bank operating hours to open a lot later. However, they never bothered to change the sign on the door. Several weeks went by and after waiting for the bank a couple different mornings to open and leaving again, figuring there must be some bank holiday I didn't know about, I finally called to find out what was going on. Apparently, despite having several security cameras watching everyone's every move in the parking lot, they had let their customers stand in the parking lot by the door waiting for the bank to open every morning for several weeks. How were the customers to know? They were looking at the sign on the door.