Sound like you should check with ChekSystems to see what, if any, inquiry was made. Remember we are just assuming at the moment. It is possible that they were doing a soft inquiry, or steps to establish that you were who you say you were, as they must do. Since there was no application for new credit involved, that wouldn’t have been a hard pull.
Side story: I applied for a CD (with Andrews, for those following that thread) and all my credit bureaus are frozen. Nevertheless, they were able to pull enough information (from some source) to ask me the name of the street my apartment complex was on in 1977 where I only lived a few months.
Putting a freeze on your ChexSystems report just means that when a bank tries to inquire about your Chex report, they get nothing back. There are lots of banks that aren’t Chex sensitive, meaning they don’t care what is on your Chex report when you ask to open an account. This may be the case with Citibank. I don’t know if having your Chex report frozen will stop them from REPORTING the new account you opened and that account showing up on your report. I think that may be different than an INQUIRY.
This is just a guess. Someone please correct me if I am way off base.
It was chexSystems. It was an inquiry on my ChexSystems report. Now my question. My Chex Systems was frozen at the time of the inquiry. Should that inquiry show on my report? It was an application for a checking account.
Did you freeze your ChexSystems report, or did Life Lock do it for you? If Life Lock was supposed to do it for you, yet you still ended up with an inquiry on the report, it sounds like you have a legit beef with Life Lock.