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How-to · Consumer help

Challenge a checking-account report that caused a bank denial

If a bank denies an account based on a checking-account report, get the report and dispute incorrect information.

Steps

3 steps
  1. Request the reportFind the reporting company’s name in the bank’s adverse-action notice. Contact that company for a free copy and check for errors.
  2. Dispute errors in writingContact the reporting company in writing. Banks and credit unions that supplied information also have duties to investigate and correct disputed errors; use the CFPB sample letters.
  3. Ask about other account optionsA different institution may use different criteria. Ask about accounts designed to avoid overdraft risks.

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