ComplaintsforCheck N Go

• Initial Complaint

  10/12/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am writing to file a complaint regarding my AXCSSFN/CNGO account (Account #: ******XX, Date Opened: 12/11/2019). There is incorrect information associated with this account that is negatively impacting my credit report. I have made timely payments and followed all account guidelines, yet despite my efforts to resolve the issue directly with AXCSSFN/CNGO, the inaccuracies remain. This error is unfairly affecting my credit score, causing financial hardship. I kindly request that AXCSSFN/CNGO correct this error and update my credit report to reflect accurate information. I expect prompt action on this matter to avoid further harm to my credit standing.

  Business response

  10/21/2024

  To Whom It May Concern:

  We want to thank *** ********* ******** for contacting Check 'n Go regarding her previous account. We understand that there is some confusion with the terms and conditions of her loan. We completed an investigation into the matter and advise *** ********** case has been opened and forwarded to the appropriate department. We ask for her patience while the concern is being reviewed. If necessary, we will reach out to *** ******** at the contact information provided to discuss this case.
  
  For any additional correspondence, please refer to Case number **************.

  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of Check 'n Go 
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

• Initial Complaint

  09/04/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  *** called trying to collect on a pay day loan from 2018 that has been resolved for over 10 years. I worked for **** county court system and my car was broken into and my day planner was stolen that resulted in numerous fraud accounts being opened this being one of them. A police report was filed right after the issue in 2018. *** also contacted my exe of 30 years making thre*** to my exe this time. I have given this story to over four collection companies even giving them police report for the incident. This is not my debt or my loan I was told by transwest credit union to shut my account due to the fraud linked to it. They are stating they want to garnish my wages. This is not accurate and I’ve explained this over the years. I do not have any documentation for this bc it was in 2018

  Business response

  09/11/2024

  To Whom It May Concern: 
  

  We want to thank Ms. ******* Nelson for contacting Check 'n Go. We completed an investigation into the matter and advise we have received Ms. ******** feedback regarding the calls she has been receiving from someone claiming to be a representative of Check ‘n Go. We can confirm that there are no accounts matching Ms. ******** information in our system. 
  
  Thank you for sharing this information and we will certainly forward it over to our Fraud Department.

  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of Check 'n Go 
  **** *** *****  *********** **** ********** 

• Initial Complaint

  09/03/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I took out an installment loan from this business a year ago. Every paycheck they took 163 out. It was a 1375.00 loan. I made consistent payments though I will admit I had missed two this year. However, I paid them both off and got my account up to date. I called to verify this before my last payment and the employee I spoke to over the phone confirmed that I only had one payment left of 163.27. I check my account after paying that August 28th and it now says I owe the full balance of my loan and to call them. It called the hotline and it said I owed around $800 on the loan. It’s outside of business hours so I can’t get this resolved with an employee just yet but I’m making this complaint anyway because even with the two missed payments it would’ve been mathematically impossible for that much interest to accumulate on them before I caught them up. I’ve put it into multiple calculators and have crunched the numbers myself as well to make sure. I’ve seen online that many other people have experienced predatory business practices with this lender and I will be calling in the morning to get this resolved. If it does not get resolved I will be taking legal action.

  Business response

  09/23/2024

  To Whom It May Concern: 

  We want to thank *** ********* ****** for contacting Check 'n Go regarding her past due account. We understand that there is some confusion with the terms and conditions of her loan. We completed an investigation into the matter and advise *** ******'s loan was taken on 9/15/2023 in the amount of $1375. The first 5 payments were made on time, but the 6th payment on 12/05/2023 was returned. Regular payments then continued for payments 7- 15. Payment 16 from 4/23/2024 was also returned. Payment 17 was then made on time. Payment 18 from 5/21/2024 was then returned. Payments 19-24 were made on time. On 8/22/2024 *** ****** did pay the 3 returned payments but when each payment was returned it accrued daily interest until paid. The full balance remaining on the loan is $848.48. This balance would need to be paid for the loan to be closed as paid in full. 
  
  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of Check 'n Go 
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

• Initial Complaint

  07/24/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Back in late 2016, I took a small loan and waiting for my accident settlement to come in to pay the load off. I paid it entirely off in 2017. Now, I just was contacted that Check n Go currier told me Check n Go is threatening me for non payment and they want me to pay them $3509.58 to settle. I was never contacted by anyone that I owed any money and I moved into a new home 3 years ago and still have never been contacted. I want this removed as I do not owe them anything!! I do not have any of the records as they were thrown away during my move as I did not think they would come back several years later trying to collect from me again. I need help!

  Business response

  08/06/2024

  To Whom It May Concern: 
  
  We would like to thank *** ******* for contacting us regarding the collection calls she has been receiving from someone claiming to be associated with Check 'n Go.

  We completed an investigation into the matter and can confirm that *** ******* obtained an installment loan on 3/13/2015 in the amount of $3,825.00.  Our records indicate that loan defaulted and was sold to ***** Capital Management on 8/29/2016 with a balance of $3,509.58.  If *** ******* has any questions or concerns, we would encourage her to contact the Third-Party agency directly at ###-###-####. We have no additional information to offer as we are not the current owner of *** ********* debt and have not contacted her since the date of sale.

  We would like to clarify that although her account is closed in our collection system, her account will always remain in write-off status. This is a matter of Corporate policy. She is always welcome to reapply; however, we are unable to guarantee approval as the determination is made by underwriting.

  
  Sincerely, 
  

  Customer Advocacy Team 
  Corporate Offices of Check' n Go and Allied Cash Advance 
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

• Initial Complaint

  07/17/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I entered the business with intents to be approved for a loan. I've been diagnosed as legally blind, so my spouse ******* Filled out all pertinent information with all id's and income proof I was told that they don't accept chime, so I ripped up my application I'd traveled 8 blocks to the nearest location to hopefully get approved, I decided to look up information that states that chime isn't a qualifying bank .I was told that wasn't true. I have had to many issues like this to not complain. It's bad quality assurance. Previously, I've been treated unfairly by this same business on several occasions through the years. I feel as it's totally unprofessional and selfish, and perhaps will cost people more in punitive damages without integrity.

  Business response

  07/29/2024

  To Whom It May Concern: 
  
  We would like to thank *** ****** for contacting Check ‘n Go regarding her recent application. We understand that there is some confusion with the banking requirements associated with her loan. We completed an investigation into the matter and can confirm that *** ****** initiated a loan application on 7/17/2024.  We would like to confirm that our company requires that a valid checking account be used in coordination with our loan products.  Unfortunately, the business utilized by *** ****** to conduct financial activity is not considered a bank, rather is an online financial company that coordinates with regional banks to provide specific products and services to customers.  If *** ****** would like to reapply with a different bank account, we would be more than happy to assist her with that process.
  
  Sincerely, 
  

  Customer Advocacy Team 
  Corporate Offices of Check' n Go and Allied Cash Advance 
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

• Initial Complaint

  07/16/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  getting calls about a pay day loan company that i have not taken out. all my loans have been paid and resolved about 4 year plus.!! so i dont know whats going on.

  Business response

  07/26/2024

  To Whom It May Concern: 
  
  We would like to thank *** ***** for contacting us regarding the collection calls he has been receiving from someone claiming to be associated with Check 'n Go.

  We completed an investigation into the matter and can confirm that there are no open loans in our system that match the personal information he provided within his complaint.  Although we can advise these calls are more than likely fraudulent, unfortunately we cannot control the debt collection/communication practices of other companies, and do not have the ability to force a third-party to stop contacting him.  If the calls continue, we would recommend filing a complaint against that company directly. 

  
  Sincerely, 
  

  Customer Advocacy Team 
  Corporate Offices of Check' n Go and Allied Cash Advance 
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

• Initial Complaint

  06/24/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I got a loan through our loal check n go here in **** ******. I have gotten loans and paid them off and was in good standing. upon asking for the remaining loan amount recently after a portion had already been taken from my bank i was denied and not given a valid reason as to why i was unable to get the remaining portion of my loan which was capped at $2500. I had up to that point only got $1500 with the remaining balance being denied to me. Michelle the store manager of the check n go location here in Hays was confused and she wasnt even given a clear reason to my denial. I had then been directed to cooperate and spoke once to April N*******. Since i have had to file a complaint prior to this for misconduct and now dishonesty. This professional "April" has access to my bank information and all my personal information and has been dishonest i am very concerned about this and would like someone to look into this.

  Business response

  07/01/2024

  To Whom It May Concern: 
  
  We would like to thank *** ******* for contacting Check ‘n Go regarding her concerns associated with terms and conditions of a previous loan.  We completed an investigation into the matter and can confirm that there are no accounts in our system that match the personal information *** ******* provided within her complaint.  Furthermore, a review of past and present retail employees does not return any matches for the employee names referenced within *** ********* complaint.  Unfortunately, we have no additional information to offer, as there are no accounts in our system that correlate to the information she provided.
  
  Sincerely, 
  

  Customer Advocacy Team 
  Corporate Offices of Check' n Go and Allied Cash Advance 
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

• Initial Complaint

  06/12/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  This Company has been harassing me for over 3 years in regards to someone named ******. I have told them numerous times they have the wrong number and yet 3 years later I'm still being harassed. My number is ###-###-#### and it's been MY # for over 3 years. Please get them to stop calling as I'm losing my patience. Thank you ***** ****** **

  Business response

  06/20/2024

  To Whom It May Concern: 
  
  We would like to thank *** ****** for contacting Check ‘n Go regarding the phone calls he has been receiving.  We can confirm that a request has been submitted to add his phone number to our Do Not Call List.  We ask that *** ****** allow 7-10 business days for the changes to take effect.  If he has any additional questions or concerns, we would encourage him to contact us directly at ###-###-####, and one of our friendly agents will be able to assist him.
  

  
  Sincerely, 
  

  Customer Advocacy Team 
  Corporate Offices of Check' n Go and Allied Cash Advance 
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

  Customer response

  06/21/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  ***** ****** **
  

• Initial Complaint

  05/13/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Yes I called check n go trying to lower my payment because on my installment loan the payment is 195.00 for a 700 dollar loan . I have set up to be scheduled out my banking account on 13 th of each month but I don’t get paid until 15. I’m trying to get payments lower that’s to high and payment date change . They said can’t help that’s not fair and the interest rate is 322 that’s too much. I did sign contract but just think that’s to much.

  Business response

  05/14/2024

  To Whom It May Concern: 
  

  We want to thank *** ****** ***** for contacting Check 'n Go regarding her loan terms. We understand that there is some confusion with the terms and conditions of her loan. We completed an investigation into the matter and advise at this time our systems do not allow due date or interest changes on an open and active loan. The due dates for the loan is based on the information *** ***** entered during the application phase. All terms and conditions were provided to *** ***** for review prior to the completion of the loan. At that time, *** ***** could have canceled the application if she felt the payments were too high or the payment due dates were incorrect.
  
  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of Check 'n Go 
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

  Customer response

  05/14/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, reasons for rejection are included below.
  
  Regards,
  
  ****** *****
  

• Initial Complaint

  05/08/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Hello, I am writing in regards to my loan with Check N Go, I took out the loan aid with the assistance of a vehicle that I intended payback. However, I was terminated from my employment along with other debts, the loss of my parents, amongst other expenses and financial losses and I explained that I DO NOT HAVE ANY MONEY AT ALL, NOT EVEN $1.00. This loan is past the Statute of Limitations for the State of ********, I am in ZERO POSITION to pay anything as I am unemployed with ZERO money, support, unemployment benefits and homeless without a car. I have been living on the streets for almost two years along with other personal issues and I am asking that THIS DEBT REMOVED FROM ALL RECORDS WITHIN 30 DAYS AND FORGIVEN ALONG WITH ANY MONEY THAT WAS PAID TOWARDS THE LOAN WITHIN 1-3 BUSINESS DAYS IN MY ACCOUNT.

  Business response

  05/14/2024

  To Whom It May Concern: 

  We want to thank *** **** ****** for contacting Check 'n Go regarding his previous account. We understand that there is some confusion with the terms and conditions of his loan. We completed an investigation into the matter and advise our records indicate that the loan defaulted and was sold to **** **** *********** on 05/12/2015 with a balance of $568.32. For any questions or concerns, please contact the Third-Party agency directly. We would have no additional information as we are not the current owner and have not reported anything to the credit bureau since the loan was sold. If *** ****** is receiving collection calls or sees new items about this loan being reported to the credit bureau he would need to resolve that with the Third-Party agency. 

  *** ****** has filed multiple complaints about this loan and after receiving our responses has responded with unprofessional and inappropriate responses. We are unable to change anything pertaining to sold loans as we are no longer the owner and *** ****** would need to resolve all issues with the Third-Party agency.
  
  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of Check 'n Go 
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

  Customer response

  05/14/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, reasons for rejection are included below.
  
  Regards,
  
  **** ******
  

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩