Commissioner
Division of Banking
Herschler Bldg.
3rd Floor, East
Cheyenne, WY 82002
307-777-7797
Fax: 307-777-3555
E-mail: maitchison@wyaudit.state.wy.us Web site: audit.state.wy.us/banking
We Are Consumers Info USA
We are a Consumer’s Information Group. For over 10 years we have been one of the leading sources for national consumer digital informational resources and ebook guides like:
* Understanding Your Credit
* Bad Credit Assistance
* How to Buy Your First Home
* Foreclosure Alternatives
* Start a Work at Home Business
* How to Buy a Used Car
* And more…
Consumers Info USA uses a collection of consumer reports, articles, and actual consumer surveys & feedback from real people just like you on a wide variety of subjects.
We are committed to compiling relevant information to give you a quick summary of the topic without going into fine details. No representation is made or warranty given as to the content and services
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For over 10 years our informational resources and e-book guides has help thousands of people just like you! State to State, City to City!
We are ONLY interested in providing you with the specific information you need to find. Stop wasting time, and money! We search the entire web… to find the best links… to the best services… so you won’t have to..
.MY STORY
My name is Greg Ford. I have been affiliated with Consumers Info USA since 2001. Their ultimate goal is to provide people with information they need that helps them resolved a problem, achieve a goal, benefits their lives in some way, etc.
I started in the real estate division. I was a real estate agent for many years with Century-21 and got involved with Consumers Info USA in creating eBook guides that showed people how to
buy their first home, how to sell your home, how to fix your credit so you can get
approved for a home loan, etc. It expanded from there.
About 10 years ago I had a 1 bedroom condo and got into some dispute with the owner’s association. As often is the case, I can’t even remember what it was about now, but I stopped paying the monthly dues. This went on for about 8 months and then one day my ATM card didn’t work… it gave me a message to “see your bank.” It was SunTrust and when I spoke to them they said my condo association got a court order to levy the account.
For those who may not know… a bank levy means the account is frozen and the bank is ordered to send your money to the court by whatever date is on the order. It is suppose to only be for the amount that’s on the court order. Or, if you don’t have that amount in your account then the bank sends what ever is there. Well… the judgment was for approximately $700. I only had about $400 in the account. Somebody at SunTrust screwed up and sent the courts the $700. Then a couple of weeks later sent me a notice saying I was overdrawn! So, I’m sure you can imagine what my response was. The account was completely frozen… I could not even use the card to do a balance inquiry. So obviously I couldn’t have done it. They either accept their mistake, or find the employee that actually did it and have them repay. I already had another account at Wachovia and I wasn’t feeling all that great about SunTrust anyway, so it was very easy to ignore them.
About 3 years later, I wanted to get business account. Another bank had a better deal than Wachovia so I went to apply. I never had any problems opening an account before and didn’t even think about it one way, or the other. But I’m sitting at the desk, the lady’s talking on the phone and it does sound like some kind of credit check. I’m thinking they’re running a credit check just to open up a bank account? Then I hear her say the name SunTrust.
I honestly had forgotten all about them! So the lady hangs up the phone and just says “Can’t do it… SunTrust says you owe them money and reported you to Chexsystems”
It was absolutely amazing how her whole entire attitude completely changed after she hung up that phone. She just said you need to contact Chexystems. A security guard was there and they practically threw me out! To be fair, it was right at closing time and I was next to the last customer. But they were definitely ready for me to get out of their bank.
So, I’m sure you know the rest. I went home, got on the computer and immediately started searching for information about Chexsystems. At that time I thought it was Checks Systems. This was about 2001 and there was a whole lot less information about them on the internet then there is now. I was already associated with Consumers Info USA as far as their real estate dept. But I learned how huge this was. There are millions of people being denied bank accounts each year in the U.S. There was definitely a need for this information.
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Please read on for more details about our privacy policy.
What information do we collect? How do we use it?
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Keep in mind that when you click on a link to view and browse wigs, hair extensions, and accessories you are actually leaving Consumers Info USA website. You are then on another company’s website. If you decide to make a purchase… then your mailing address, credit card number, and expiration date, etc. is actually being entered on their website.
Consumers Info USA has no control, is not responsible, and not liable for a completely separate company’s website.We encourage you to be aware of their Privacy Policy. And know if that website uses a Secure Server for collecting personal and credit card information. A secure server layer (SSL) encrypts (scrambles) all of the information you enter before it is transmitted over the internet and sent out Furthermore, all of the customer’s data is protected against unauthorized access.
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Consumers Info USA is committed to protecting your privacy. We use the information we collect on the site to provide exactly what you have requested. We do not sell, trade, or rent your personal information to others.
Your ConsentBy using our Web site, you consent to the collection and use of this information by Consumers Info USA. If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.
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You can contact us by visiting www.chexsystemssolutions.com Thank you