I tried to open a bank account at a different bank recently, and got declined because Im in the "system" as they call it- what is the "system" and how do you get out?
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From what I have been told, as a friend had the same problem with a bank. She filed Ch 7 and included this bank's fees. They were discharged along with all her things that she filed.
Upon moving and working on opening an account in the state that she was moving to, the bank told her that they couldn't open an account due to her oweing money to a financial institution. Well, that just floored her. She thought and thought and realized that she had included some fees that were not justified that this particular bank had charged her.
So, she calls this bank. The manager tells her that she owes $167 in fees and she has to pay them before she is taken off the chex system. She asked what that was and was told that it is a LIST OF PEOPLE WHO OWE MONEY AND WON'T PAY IT BACK, SO THEY ARE LISTED TO KEEP THEM FROM OPENING AN ACCOUNT ANYWHERE. The manager goes on to tell her that EVEN IF THE ACCOUNT IS IN ANOTHER NAME AND SHE IS LISTED SECONDARY, SHE WILL NOT HAVE ACCESS TO THAT ACCOUNT.
She tells this manager that she filed and they were listed then discharged. The manager tells her (my friend) that she (the manager) can see that the money was wrote off, but they are still listing her until she pays this money.
So, what my friend has had to do is file the necessary forms with the court for them trying to collect on a discharged debt. Until she gets this taken care of, she will be blackballed from banks no matter what state she is in.
The only thing you can do is find out what is going on and try to get it straightened out.
GOOD LUCK!
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