also see title 5 USC 552 A
On Friday, April 9, 2021, 1:49:10 PM CDT, Aéius Cercle of
Quantum-Note(Law-Division) <law@xxxxxxxxxxxxxxxx> wrote:
This definitely looks like something I need to look into and investigate how it
functions. Although I am busy with other things, and cannot focus on examining
ChexSystems right now, some people do seem to have uploaded videos about things
like getting off of ChexSystems (see
https://www.youtube.com/results?search_query=ChexSystems for some reasults).
Although I rarely interact with anything that is connected to the
Credit-Systems/Financial-Systems (I try to keep it extremely limited anyway), I
do seem to have a «Credit-Score» that is in the 700s (and no I am not giving
anybody authorisation/permission to credit-check my commercial straw-man), but,
I would like to perhaps some day get that score above 800 (with the amount of
knowledge that I now have and have gained about this stuff I should be able to
pull it off if I could just get myself re-organised enough... I could probably
pull it off if I suddenly had the necessary «capital» for setting up & running
business but it takes time to accumulate that type of capital with how [mostly]
«conservative» I have been with any use of anything that is related to any
so-called finances).
Not all banks use ChexSystems, according to one of the videos by the Miss
Finance channel (from the results of the above-linked search-query), but, I
have not taken the time to pull up which-ever video where she mentions which
lists of banks do not use ChexSystems (you will have to do that
research/investigation on your own for now).
Regarding «31 CFR 1020.220 (A) (40) ii» ? I think you meant to put «31 CFR
1020.220 (A) (4) ii».
Also, the line from «42 U.S. Code 408 A-8» is worded «in violation of the laws
of» rather than «IS in violation of the laws of» which may have different
meanings, but, when you file a law-suit that they are committing a felony by
compelling you to disclose a Social Security Number, then you may find that
they won't «try to defend» against such a law-suit, whether it be just because
it is just «not worth the cost & effort by their legal-department» or because
it really would expose a «fraud» on their part or perhaps it might «hurt the
bank's credit-score» to have any «active complaint» against them in the
legal-system or otherwise, one thing that I know about the «system» is that
anybody with any «complaint» filed against them in the «legal-system» is
essentially «automatically assumed to be guilty» and does hurt their
«credit-score/social-credit/reputation/etc» (basically, the hell with innocent
until proven guilty, because the whole entire punishment-system is satanic).
Certainly, I only «bank» with Credit-Unions, and the hell with the other
traditional-banks (although I really did like the Horizon bank that opened at
Washington State nearly a couple of decades ago if only a certain family member
in the past did not make such stupid & careless decisions about my
financial-life that resulted in the complete and total trashing of the very
good credit-history that I had originally established along with wasting all of
the business-investments I had originally made which I never even got to use [I
really cannot stand people with «main-stream» mentality and they have NO
place/room in my life nor my business-interests as they have historically
caused me nothing but problems {needless to say, I boycott such people from my
life, and anybody else who may be an authoritarian, but it looks like I am
getting into an off-topic tangent so I will stop at this for now}]).
On 2021-04-08 9:39 p.m., J_B wrote:
31 CFR 1020.220 (A) (40) ii and 42USC 408 A-8 showing that is a felony to
ask for your social security number
On Apr 8, 2021, at 9:38 AM, Micah <saiah5417@xxxxxxxxxxx> wrote:
Hi all, Has anyone heard of something called Chexsystems that banks use
when you want to open a bank account? We found out about this yesterday when my
daughter tried to open an account. She was denied and “red flagged” according
to the bank manager. This was a shocker because she/we had no idea that the
bank was sending all her personal info to a third party. She tried not to
use the SSN but they said no way would they open an account without it. Now
some third party has her info. She never consented to the bank sending her info
to anyone. The bank would not tell her why she was denied but to contact
Chexsystems. I told my daughter to go back and get names of all involved and
get a letter on why she was denied. They would not give full names. They did
give her a paper saying she had to contact Chexsystems to find out why they
denied her. So now she would have to give all her personal info again this
third party and of course they want your SSN and everything else and then go
through a dispute process. This is crazy. I told her to ask the bank manager
why they did not give her disclosure of what they were going to do with her
personal info prior to her giving it, she was told that they do not have to
give disclosure. She went to the bank in good faith to open an account
thinking she was dealing with the bank and did not consent to them giving her
info to anyone else. The banks here now do all their business through drive
up windows. So they are a little more arrogant. This is my first time posting
but have been part of this group for some time. Thanks for any input. Micah
Sent from Mail for Windows 10
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