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Alice Gainer

"NEW YORK (CBSNewYork) — Bounced checks and forgotten overdraft fees can happen to anybody. But now, some banks are using those money mistakes against customers. [...] The banking industry admitted to keeping track of consumers like Carmon using a pair of reporting agencies called ChexSystems and Early Warning. [...] Consumer advocates said that some of the people being shut out have records that were dinged accidentally. “There could have been an automatic payment that the consumer had cancelled, but the company by mistake continued to try to take out of their account, and that is happening more and more often today,” [U.S. PIRG's] Ed Mierzwinski said. Federal law allows consumers to request free banking history reports every year to dispute incorrect information." (Video and print story available)

NOTE FROM U.S. PIRG: CFPB explains all your rights with specialty credit bureaus, from bank account authorization and check verification sites like Chexsystems to tenant screening firms.

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