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I have dedicated my practice exclusively to the representation of consumers and individuals harmed by businesses and government. Our practice focuses on consumer protection and civil rights litigation.
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Free Consultation Free Phone or Zoom Consultation
Jurisdictions Admitted to Practice
U.S. District Court, District of Colorado
U.S. District Court, District of Connecticut
U.S. District Court, Eastern District of Michigan
U.S. District Court, Northern District of Illinois
A: If they are telling you that there is a problem with ChexSystems, there are two problems. The first problem is that ChexSystems is a credit reporting agency that publishes data relating to bank and checking accounts. The major banks report NSF checks to ChexSystems, and that agency regularly reports NSF checks as "fraud." You should immediately request a copy of your ChexSystems report along with the Early Warning report. You can find their addresses on my web site at https://www.consumerlawyers.com/most-important-credit-reports-to-order.
The second problem is the one you wrote about, which is the retention of your funds. Schwab is an investment house, but they may have set
up an affiliated bank to allow you to receive and pay funds. You will need to contact a banking attorney for this, but if the funds have been wired to you they should be available almost immediately. You can find a referral to a consumer banking attorney at web site for the National Association of Consumer Advocates, www.consumeradvocates.org. Select the find a lawyer link in the center of the page and you can find a banking attorney near you. Best of luck. ... Read More