Anyone dealt with Early Warning Services? Can't get a bank account. Help!

Hi Everyone, Apparently I was able to not only mess up my credit score but I also destroyed my ability to qualify for a bank account as well. I believe I overdrafted with Wells Fargo a couple years ago when I lost my job. Never thought or did anything about it and that account just seemed to disappear. Well now today I don't qualify for a bank account at Chase or any bank because something is reporting negatively on Early Warning Services. I haven't gotten the report yet -- it is a huge hassle to get and takes a couple weeks but it is on the way. So we all know how to get items removed from our credit report but how does one get negatives removed off their bank worthiness score? I don't want this to affect my ability to get credit cards in the future with BofA, Wells Fargo, or Chase when my scores are eventually high enough.

Well I do have a secured card through a local credit union. but not a banking account. I have a bank account now but am about to move and there are no branches there. I did call Wells Fargo and pay off the amount owed from so many overdraft charges. They said they'd update Early Warning Systems. I just don't know if it's like a credit report where it stays on my record and hinders me for the next 7 years or if it's an immediate kind of thing?

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