I open an account for Uncle. Everything checks out. He gets a savings, a checking, a debit card, is happy and leaves.
Then Uncle brings Nephew in, and they sit down with co-worker to open an account for Nephew. Coworker pulls a Chex Hit on him and he has an unpaid charge-off of a checking account with another bank. Recent, only 4 months old. There is only one record, and it is not marked as fraud, so we can still open a savings, but we can't open a checking until that record has hit one year old (without a new record popping up in the meanwhile), or until he has positive active savings history with us for a year.
Well, Uncle throws a fit. HE didn't have any trouble opening an account, why is his Nephew having so much trouble. He now wants to talk to me, not my co-worker.
So, time for me to repeat (politely of course) the exact same things that co-worker told them. Uncle had no trouble because HE didn't have an unpaid checking account negative balance at another bank. Nephew, however, DOES have an unpaid negative. Thus, he must face the consequences, one of which is not being able to open a checking account with us right away.
Still with the fits. WHY can't Nephew open a checking? Why would he have to wait 8 months or a year to get a checking. It's not HIS fault that bank charged *insert random fees here* and the bill was never paid. That's why they LEFT that bank. Too many fees.
Be that as it may, the record still shows an unpaid negative account, and that means no checking. Not until the record is at least a year old, or you have a year of good account history with us. (Can you feel the repeating here?)
Frankly, there are places that wouldn't accept Nephew as a customer at all. Don't think I didn't notice that 486 credit score (which means you have a lot more unpaid balances than just the one checking account). He should be glad that score doesn't prevent him from opening an account with us altogether, because I know of places where it would.
*sigh*
Then Uncle brings Nephew in, and they sit down with co-worker to open an account for Nephew. Coworker pulls a Chex Hit on him and he has an unpaid charge-off of a checking account with another bank. Recent, only 4 months old. There is only one record, and it is not marked as fraud, so we can still open a savings, but we can't open a checking until that record has hit one year old (without a new record popping up in the meanwhile), or until he has positive active savings history with us for a year.
Well, Uncle throws a fit. HE didn't have any trouble opening an account, why is his Nephew having so much trouble. He now wants to talk to me, not my co-worker.
So, time for me to repeat (politely of course) the exact same things that co-worker told them. Uncle had no trouble because HE didn't have an unpaid checking account negative balance at another bank. Nephew, however, DOES have an unpaid negative. Thus, he must face the consequences, one of which is not being able to open a checking account with us right away.
Still with the fits. WHY can't Nephew open a checking? Why would he have to wait 8 months or a year to get a checking. It's not HIS fault that bank charged *insert random fees here* and the bill was never paid. That's why they LEFT that bank. Too many fees.
Be that as it may, the record still shows an unpaid negative account, and that means no checking. Not until the record is at least a year old, or you have a year of good account history with us. (Can you feel the repeating here?)
Frankly, there are places that wouldn't accept Nephew as a customer at all. Don't think I didn't notice that 486 credit score (which means you have a lot more unpaid balances than just the one checking account). He should be glad that score doesn't prevent him from opening an account with us altogether, because I know of places where it would.
*sigh*
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