ComplaintsforCHECKredi

• Initial Complaint

  07/01/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I used my debit card at pay at the pump. I purchased $30 in gas and was charged an additional $30 from this company I have no dealings with. I want my money back. I have blocked this company with my bank. Someone needs to stop these scammers. I work hard for my money and can't afford to give it away.

  

  Business response

  07/01/2024

  Gas Rewards programs do not work off of your debit card number.  It is tied to your checking routing number and account number.  These take 1-3 days to process and when your transaction did not clear as NSF the item was sent to CHECKredi for collections.  At this time a NSF state allowed fee is applied which in your case was $30.00.  You agreed to these terms and conditions when signing up for the program.  Should you have any additional questions you can call our office at ************ or contract customer service at ZipLine.

• Initial Complaint

  05/06/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have no relationship to this business whatsoever. Ive had this company take 4 , $25 transactions out of my checking account totalling $100 for something that I have no ties with. I want my money back its that simple. I live paycheck to paycheck and here they at 2am took half of the only money i have to care for my children out of my account. I have to wait 30days for this to "maybe" be resolved. Im sickened. HOW DOES THIS HAPPEN TO PEOPLE!!!! I literally cannot care for my children now. I have next to nothing and have to find a way to struggle for at least 2 more weeks. I cant handle the fact that this has happened and its completely bogus. Im pissed. Im sick. And i need help now not 2 weeks from today.

  

  Business response

  05/06/2024

  Customer has had 5 NSF returned transactions related to her ****** * **** *** *****  There is a $25.00 state allowed return fee for each transaction that is agreed to in the terms and conditions when the account was opened.  Customer received emails from their service provider and CHECKredi explaining this process when they were returned.  We have attempted to contact the debtor several times at the phone number that was provided but have been unsuccessful.  There will be no refunds issued.

• Initial Complaint

  04/22/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I went to ***** ***** yesterday, April 21, 2024, to get gas using my ***** ***** card. At the pump a got an error message stating that the 'Carholder account is on hold' and the transaction cancelled. I then proceeded to use my personal debit card to get gas as the ***** ***** card didn't work. I checked my bank account the next morning and see that not only was $41.90 taken out by ***** ***** for the gas but an additional transaction is listed below it; $50 is currently being processed for Checkredi -****i Return Fee. I'm not sure why this is and would appreciate a reasonable resolution to this matter.

  

  Business response

  04/22/2024

  There was a transaction for $41.90 returned by your bank on 04/14/2024 for insufficient funds. We sent you an email on 04/14/20224 and so did ****ine your cardholder notifying you of the return and that you would be assessed a $50.00 insufficient funds fee.  We attempted to contact you by phone and email and when unsuccessful we represented the principle of $41.90 and the $50.00 state allowed fee back to your bank for processing.  We will get results back from the bank on these Wednesday 04/24/2024.  As long as both are paid then your account with ***** ***** will be re-opened.  You agreed to all fees when signing up for the program through the terms and conditions section 4 disclosures.  You find a copy of these terms here:  ************************************************

• Initial Complaint

  04/22/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  CHECKredi Ref: *********. CHECKredi (operating as a representative of retailer ********** *****) has taken $70 in fees from me for two ********** **** charges of $13.48 that were declined due to a bank account FRAUD LOCK. The (old) account which was originally used to pay the $13.48 charges was closed for a FRAUD LOCK. A (new) account was opened, the account information provided immediately to ********** *****. CHECKredi misrepresented that they collected the $13.48 and $70 JUNK FEES from the ACH account on record and so this proves to them that the original charges were returned for insufficient funds in the account. In fact, the ACH account on record had changed and CHECKredi used the new account information -4451 to collect the $13.48 and $70. This was a different account than the old account -****. It wasn't insufficient funds in -**** that resulted in the charges being declined; it was a FRAUD LOCK. CHECKredi also LIED when they told me the JUNK FEES will be returned when I provided a letter on bank letterhead confirming the $13.48 charges were declined because of fraud. Since receiving the **** ** ******* letters CHECKredi now states they need a letter with a bank officer's signature. Sorry, maybe in KENTUCKY, but not the rest of the country, will a **** ** ******* employee sign such a letter. Looking through the BBB website, CHECKredi is called out again and again for its pattern of predatory practices, with many consumers providing the same facts as I have. The BBB should take action against CHECKredi. With the overwhelming evidence of predatory practices, particularly across STATE LINES, the current BBB rating of A+ needs review. The BBB should explore all the consumer complaints against CHECKredi not only on the BBB website but also with other regulatory agencies and the ****. I encourage other aggrieved consumers to file a complaint against CHECKredi with their state's office of consumer affairs and the **** (************************.

  

  Business response

  04/22/2024

  After reviewing the bank letter our company decided that there was fraud involved in the account and the customer was refunded last Friday.

• Initial Complaint

  03/07/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  My business account had fraud and there was money taken from the account. Payment tried to post, was declined because of lack of funds, and a $25.00 fee was charged. Checkredi does not care. They want $25.00 now. They're trying to collect on $25.00 for a fee.

  

  Business response

  03/07/2024

  Fees are agreed to in the terms and conditions of the program at the time of enrollment.  We are asking the BBB to close this account as being outside your scope.

  Customer response

  03/09/2024

  
  Complaint: ********
  
  I am rejecting this response because:   With fraud on the account customer's should not be liable, when fraud is not on the fault of the customer.  We asked CheckRedi to reach out to the fraudsters and collect their money.   By state law, fees are not collectible in collections.  This has been passed to an ******** *** ***** ****** authorities.
  
  Sincerely,
  
  **** *****

• Initial Complaint

  02/01/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  1/24/24 @ 6:57 AM I purchased $30.01 of gas using my SmartPay app. 1/26/24 PMT was put thru to bank. Bank didn't pay even though I have OD protection. 1/31/24 I saw my acct was on hold. Prior to my call to check ready on 2/1/24 the PMT was put back through to my bank. However check ready is trying to charge me an additional $50 for a returned check. In the agreement I signed it says that they can charge me up to the maximum amount allowed by law. When speaking with them I noted that it says they may charge up to the maximum not that they have to charge up to the maximum however they would not budge in removing the $50 or reducing the $50. I also believe that the laws have since changed and they aren't allowed to charge those fees anymore. Regardless if they are allowed or aren't allowed it states up to the maximum which to me means they don't have to charge the maximum amount of 50 they could charge me less however they're refusing to do so and I think it's ridiculous that I'm being bullied into paying this $50 when number one I had overdraft protection so I'm not sure why the payment didn't go through so I would think they could adjust that $50 to make it zero or at least less than 50 which I feel is highway robbery.

  

  Business response

  02/01/2024

  **** please close this as outside the scope of the BBB.  Customer is only wanting a refund of monies due.  she agreed to the terms and conditions and even admits so in her complaint.

  Customer response

  02/03/2024

  
  Complaint: ********
  
  I am rejecting this response because:

  I am atttaching a document that can be found at the following link:  *************************************************

  This document shows that the maximum amount a vendor can charge for NSF in Pennsylvania is $25 and NOT the $50 I was charged.  Since they obviously don't want to waive the fee (which they are able to do as the agreement in question states "they can charge ..." and NOT "they must charge") then according to the document attached I should only be charged $25 and not $50.  I am requesting a refund in the amount of $25.

  
  Sincerely,
  
  ******* ****

  

  Business response

  02/08/2024

  Veri Check is not a legal organization and is incorrect in their statements.  Please see the attached publication from the ******** ********** *********** with laws.

  Customer response

  02/15/2024

  
  Complaint: ********
  
  I am rejecting this response because:

  As it states in the document the business attached Pennsylvania is Undetermined which means the following:  "*Undetermined means that a specific service charge has not been set by state statute." 

  It further states that upon criminal conviction.  There was no criminal conviction.
  
  Sincerely,

  ******* ****

• Initial Complaint

  01/25/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I moved to Tennessee in April, 2023, after my 30 year old son passed away. I have been dealing with shoulder surgery, his estate, and all other things related to relocating. I returned to Ohio in November to visit my other son who is serving in the military. I stopped at Circle K to get gas, used my card to receive a gas discount, and it charged to a bank account I had in Ohio that had long been closed. It should have immediately declined the transaction or given me the option to choose how to use my loyalty card. The pump did not give me an option to use it for payment or use it as a loyalty card. Here in lies the problem. I have no issue in paying for my gasoline, and I have since paid for the gasoline. But I refuse to pay a $30 fee on top of that because they don't afford you the opportunity at the pump to choose how you would like to use the card. I have gone through enough this year without being harrassed by CHECKredi with calls and texts. I have paid for the gas, the amount cleared my account. My mind was consumed with greater things than thinking about that loyalty card being attached to a closed account.

  

  Business response

  01/25/2024

  We can remove contacting you but you are responsible for the fee.  You agreed in the terms and conditions that you would pay a fee anytime an item is returned unpaid by your bank.  It is your responsibility to make sure that your banking information is up to date.  These are not debit card transactions but ACH debits which take 1-3 days to process through your bank account.  Please pay the remaining balance of $30 to clear your account.

  Customer response

  01/26/2024

  ************

  

  Business response

  02/05/2024

  We can remove contacting you but you are responsible for the fee.  You agreed in the terms and conditions that you would pay a fee anytime an item is returned unpaid by your bank.  It is your responsibility to make sure that your banking information is up to date.  These are not debit card transactions but ACH debits which take 1-3 days to process through your bank account.  Please pay the remaining balance of $30 to clear your account.

• Initial Complaint

  12/20/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have signed up for ********* *** through ***** and very recently one of the transaction failed due to my bank froze my checking account due to some fraudulent activity. My bank froze my checking account for a day and hence this transaction was returned back. Now ********i is asking me to pay $50 as a fine for the returned transaction from my bank. When i checked with my bank earlier they said my bank was never frozen but now when i checked with my ACH department they said it was frozen for a day because of some fraudulent activity within my checking account. Because of this valid reason why do i need to pay $50 towards a fine for a returned transaction from ********i. Need your help on the same. Will provide documents from my bank account to prove this fraudulent activity in my checking account. Need help from BBB to resolve this issue smoothly. Thanks. Attached the PDF file from ********i and the password is *****

  

  Business response

  12/20/2023

  A letter from the bank on bank letterhead, signed by a bank employee stating why the account was frozen and the date it was frozen will need to be provided any order to avoid any fees.  You can email this letter to *************************

  Customer response

  12/22/2023

  
  Complaint: ********
  
  I am rejecting this response because: Even after providing the ******* letter which clearly says the reason for my hold and the date of my hold. ********* is not willing to waive the $50 fee which occured because of a returned transaction. My ***** transaction with ********i occured on 12/8/2023 and my bank account was put on hold on 12/7/2023 even after proving this they are not ready to waive. Worst business people i have ever met. I dont wish to get any communication from ********i ever again in the future either over my mobile or email. 
  
  Sincerely,
  
  ******** ****

  

  Business response

  01/02/2024

  Customer did the transaction after his account was frozen.  He has admitted that he knew the account was frozen yet he proceeded to do the transaction anyway.  No fees will be waived.

  Customer response

  01/02/2024

  
  Complaint: ********
  
  I am rejecting this response because:
  

  I never knew my bank account was frozen.  The bank froze my account due to a fraudulent activity. I also obtained a leeter from the bank with the reason and the date when they froze the account. Without knowing my bank account was frozen i went to ***** gas station to fill the gas hence i would like them to waive the fee of $50

  
  Sincerely,
  
  ******** ****

• Initial Complaint

  10/11/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Checkredi has been harassing me for two months now. For one they took money out of my bank account without my knowledge. Second, when I chatted with a rep on 9/29/2023 I was told that the two $50.00 payments that were taken out(without my knowledge) on 9/29/2023. I was told that my account will be satisfied(I have proof of the conversation if needed). Now, I am being told by various reps and managers that I still owe a balance of $6.56. After successful attempts with them to clear the balance(which the rep told me it would be cleared) and they are saying I owe the balance. The Customer Service is terrible and not willing to listen to what I an saying.

  

  Business response

  10/16/2023

  The $6.56 did not clear the customers bank account it was returned for insufficient funds.  The customer was explained this by two different representatives on 10/10/2023 over the phone.  The customer is not due any billing adjustment as the signed the terms and conditions associated with their GetGo account. Please close as being outside the scope of the BBB.

  Customer response

  10/16/2023

  
  Complaint: ********
  
  I am rejecting this response because: I have proof in writing via text message from a Checkredi rep ******* ******* on 9/29/2023 at 8:29am that states the balance would be cleared once the two $50.00 payments cleared in which they did
  Sincerely,
  
  ****** ******

  

  Business response

  10/24/2023

  The face amount of the transaction did not clear the bank like the 2 fees did.  Until that amount is paid your account cannot be cleared.

  Customer response

  10/24/2023

  
  Complaint: ********
  
  I am rejecting this response because: Checkredi lied to me. This is not a fair was to conduct business. I have proof from a rep. I am doing business with them again. what happens to the customer is important, especially when that customer has written proof and not listening. According to my attorney, what i have WILL hold up in the court of law and YES, I will fight this over $6.56 This is a poorly ran company and all they care about is the bottom line.
  
  Sincerely,
  
  ****** ******

• Initial Complaint

  09/01/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  First of all, I would like to say, why the BBB has given CheckRedi an A+ rating is beyond me as I see many complaints here dealing with the very same issue as mine where, through NO FAULT OF THEIR OWN, consumers are being extorted by CR. I got a Weigel's card to save money on gas & other purchases. I had been a loyal customer for many years. I realize when you sign up to receive these savings, you are agreeing to "Terms & Conditions". News flash: NO ONE reads these in their entirety as they are long & tedious. Consumers trust that when they sign up, Weigel's will be honorable & fair but instead they turn matters over to an unscrupulous company like CheckRedi when there is an issue with a payment. On 6/9/2023, I purchased $25 in gas using my rewards card. My bank statement reflects that the money was "pre-authorized & withdrawn" on the same date. A day later, my bank reported fraudulent activity on my acct. and so advised that I cancel my current acct and get a new one which I did on 6/10. Somehow Weigel's didn't get their money and turned the collection of it over to CR who, wanted not only to collect the $25 for the purchase, but an ADDITIONAL $30 for non-sufficient funds. I've gone back & forth w/ CR to explain the situation and spent countless hours talking to them and providing them with every record they have asked for including dates for all the relevant events. I had to pay to send them 2 different faxes with evidence of what occurred. It made no difference as this is how CheckRedi makes their money. I've made many calls to them where they change their story regarding dates for their own benefit. It is clear to me that CR is not concerned about what the circumstances are, even if a consumer is not at fault & sends proof demonstrating so—this contemptible company is bent on getting money by deceitful, fallacious & unfair means. There is NO WAY that a company with their complaint record should receive an A+ from anyone claiming to be an advocate for consumers!

  

  Business response

  09/01/2023

  Customer made the transaction after her account was frozen.  Her account was frozen on 06/09/2023 and the transaction was done on 06/13/2023.  Customers are responsible for updating banking information before making a purchase or a state allowed fee is imposed.  We have explained this to the customer and no fee will be waived.  Current amount past due is $55.00, customer needs to pay balance either online or over the phone at *************

*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. ↩