PIF - Beware of Zip Cash

Get a copy of your chexsystem report, dispute it and as long as you have the PIF letter it should reflect that

Please, please tell me you kept a copy of the settlement agreement that Zipcash sent. I settled with this company as well for a PIF and hopefully won't have the same problem with them in the future....ugghhh...could get ugly. You have to dispute it with chexsystems to get them to update it.

bflow30 hey

I have the contract signed and fax with my receipt, plus the email. But as I can see reading from the forum, some of PDL do not follow what they agree making the consumer unaware. I think everyone should request there file in ChexSystem, especially for the PIF granted.

Did you get the signed copy back after the rep at Zipcash signed it? I had to sign and then fax back and they signed it and sent me a copy for my records, etc. Is that what you received?

You are going to have to clear it up through Chexsystems. As long as you have the backup documents, there shouldnt' be a problem with it.

WHAT??? They reported you to chex systems? What?? Is this normal? Now I'm all paranoid again. You've got to be kidding me. I know you have documentation, queen. And I'm glad you do to cover yourself. But, what?? They reported you to chex? Okay, someone please tell me this is not normal. Please tell me this is just a rare instance. Oh, queen, I'm so sorry this happened to you. Is it easy to dispute with chex? Oh my God. I am in shock here.

She should be able to clear it up with the copies of her documents. I would definitely think it is not normal, but I am no experet on this topic either. They probably just did it to be a giant**** and they have succeeded!

Queen, did you get a copy of your chex report?

[color=Red]****Adult term removed - Jason[/color]

well cannr, the contract reads that no one can know of the PIF given, only Attorneys. So I am going to call them tomorrow and see what is up. If it does not go as plan then I will contact a lawyer. We have legal program from my employeer where you can consult a lawyer for free up to 20 times a year, so I guess I will be contacting them for help. Though co-workers say they are not all that great and they reply within 72 hours. Do you cannr, after Sonic contact my job and they sent them far away, they have contacted me again and send me emails to loan with them. Are they sick?

I still get correspondence by mail asking me to take another loan with loanshop, yeah, sure,, right away!

Oh my god! This is crazy! Sonic is wanting you to take another loan out? Oh, okay. Here's my new bank account information. Holy crap! I haven't had any of mine emailing me wanting me to take another loan out. Good Lord. See? They are all batty! I think it's to prey on people who think "Oh, okay" and give them their new account information. I pray that doesn't happen. As for using your lawyer contacts at work, excellent idea. It's free and they can give you advise anyway. But, I'd be sure and call them and find out what the heck is going on. That is just so wrong. I am still in shock, queen. If you do call them, please document who you spoke with, what they said, etc. Write it all down. And when the store denied your check, what did they say? That it was denied and then had you call a phone number that was chex systems? And they told you what was on there? Lord, I still can't believe this.

Wow, queen that really sucks! :( You should get everything documented and I'm glad you have proof to show that they themselves considered your account pif. Cashcentral reported me to ChexSystems, but that was ok, because I still had a defaulted balance with them and they are licensed here. However, it hasn't affected me in the least cashing or writing checks. It would affect me from getting another payday loan however, but that's no skin off my back!

I don't understand how they can affect her writing a check..they are only a PDL company. I can see them blacklisting her from PDL's..but not from writing a check. I just don't get that!

walmart gave me a pc of paper with check system to contact them and ask if i could use another form of payment.

I called chex system and instead fill out a application on line last Friday and got this in the mail. Want me to PM the phone number to you?
The application asks for when you where denied and a you DL#. Confirm address, etc. Nothing exciting.

You should know better than me that some of these ipdl are very devious. Like you said anything to get your new account number. I will never, ever give my account over internet. I'vd learn my lesson yet found this website to make cool friends.

ok...I am confused...I thought Chexsystems only had baring on whether you could have a bank account...I didn't think it messed with your ability to write a check..I thought that was telecheck??

That is what I thought too. telecheck is company that WalMart uses to verify bank accounts, etc. I know that only cause I had that issue with the old bank that is causing me to have a hard time getting a new account. I had to contact them and I made arrangements to pay off, etc. the overdrawn account.
I'm not at all saying it isn't possible, as we all know, all too well, ANYTHING IS POSSIBLE.

I just thought I'd had a similar discussion with Goudah when I was worried about my new account...and I thought she had told me that being reported to Chexsystems wouldn't stop you from writing a check but that your ability to get and keep a bank account.

I'm getting real concerned here. Are we confused? How in the world can an illegal pdl report you to chex systems? Am I missing something? queen was unable to write a check at a store. From something reported by a pdl? Do we need goudhah or sass' help here? Someone? I'm sooo confused. And I don't understand.

That would be the person to ask-she is so knowledgable in this topic!

Okay, I'm posting a new topic regarding it. Maybe goudah will answer. This is very confusing to me.

Morningstarr430

All I know is that Walmart works with Chex System to verify account information. I was denied and unable to write a check to them. As far as I know, in Florida CVS Pharmacy does the same thing.

As I can read from the report, Chex System is used to report mishandled accounts, reported for a cause and any outstanding debts. Reported information is submitted directly to Chex Systems by members of our series. Then I have a inquirer name of DP Bureau, LLC.
Anyone know who is this company. Each month they inquirer my information.

wow...and here I thought I was safe from being reported to Chex because I worked things out with my old bank..now I have to start worrying all over again?

queen, DP Bureau does an inquiry on you monthly? Who in the world is that? And why are they doing an inquiry on you? Have you tried to google any information about them?

Walmart is very picky about checks. However, I have been in the same PDL mess and can still write checks to Walmart.

Thanks, Leah! This is why I'm so confused. I don't get it. :?:

I found very little info about DP Bureau. I found one payday company that says they will perform a very limited check with "DP Bureau or telecheck", I guess it is a company like telecheck?

I am going to goole DP Bureau, LLc in Largo Florida.
It seems every month. I will get back to you. I was reported by Zip Cash, - Praire Village in KS on 7/20.

I guess Leah is lucky. I have to contact the other vendor, telecheck and see what is in my file?

Does anyone know how long this information stays Telecheck?

telecheck is 5 years.

So is Chexsystems...

DP Bureau (dpbureau.com is actually clverify.com, a payday advance verification company. The following is information from their website!

CL Verify is a Consumer Reporting Agency that provides decision support solutions to lenders throughout the loan approval process. CL Verify gives payday advance underwriters tools designed to provide the most accurate, current, and complete information available with which to ascertain the risk associated with underwriting payday advance transactions.

If you have recently been denied a loan from one of our lenders, their decision may have been based, in part, on the information provided to them by CL Verify. You are entitled to receive a copy of that same information. Please complete the attached form and return it to our office so we may begin processing your request. The form will not be considered complete unless you have signed your name in the designated place and included a copy of your Driver's License.

The lender may have also used information from a third party provider. To receive a copy of third party information, you may go to consumerdebit.com and order a copy of your report. You may also call their automated phone system at 1-800-428-9623. The third party report which may have been used by the lender is called the "Chexsystems" Report. You may order a copy of this report free within 60 days of your denial.

Please note that we cannot inform you of specific reasons you were denied. We can only supply you with the same information given to the lender at the time of your application.

bflow, so what you are saying is this "DP" company is actually the company that checks you out for pdl's? That's it? So that shows up on your report? I know you're saying it's to check to see if you can get a pdl. But a pdl only, right? But it still shows up on your report that they've done a "check" on you? By the way, your info. is awesome! Thank you! :D

That is the way it reads on the website. It doesn't sound like they report anything other than that they have done a check on you.

Check it out and tell me what you think.
clverify.com

Cl Verify does check your Chexsystems report to gather information.

This is something that needs to be looked into further. I'll see what I can find, because I don't believe that a pdl could even report anything to Chexsystems, since they only gather info about financial institutions. I know that pdl's can check the report, but I don't see how they could legally report to them when it's not a deposit account.

Also, when you pay the item reported on telecheck, the item is removed. So it isn't necessarily on there for 5 years.

Chexsystems is. Even if you pay your bank they have no responsibility to remove the item. They must however update the item as paid. But that doesn't really help much.

Wal-Mart works with telecheck. If you bounce a check to a retailer that reports to Telecheck, you will be unable to write a check to any other company that verifies checks through Telecheck until the item is paid. Once this item is paid, you can then write checks again. If you are concerned about being in Telecheck, just give them a call and see if you owe them anything. I have done this before and they are happy to check for you and will tell you the reason you were declined if they are in fact the ones that denied your check.

Declined Check Information
for Check Writers 1-800-366-2425

Thanks for the information, sass! Do you have to be declined before you can call? Or can you call just to check?

I would just give them a call. I would think you would only have to be declined to get a free report.

I don't get it, I was denied a bank account and they said to get a report from chexsystems, I did and there is nothing there, under any section, only a few inquiries. What do I do now?

dosent bank of america and all those banks that got help from the taxpayers because they mismanaged funds have to be placed on chexsystems and can the american taxpayer charge them an overdraft fee

call your congressman