ComplaintsforCHECKredi

• Initial Complaint

  02/07/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  GetGo& CheckRedi(CR) give .30 off per gal of gas when using their AdvantagePay(AP). Of course to throw those that dont care for brick and mortar banks off our game they dont allow cash apps checking acct to be used saying prepaid accounts aren't supported Aren't all bank accounts prepaid? Paychecks and tax returns, utility bills, CC payments and my rent all use cash app but there's a problem with CR. I felt fishy but i push it out of my mind paying full price for gas until i took an auto loan from FNB and opened an FNB checking account to make payments easier. I then used it to set up AP and began using it. On 2 occasions CR has stolen money from me by processing my AP in ways that intentionally prey upon those of us living paycheck to paycheck. CR charges a STEEP $50 fee per returned payment. On each of the 2 occasions I had 2 trans process within minutes of each other even though they occurred hours and 24 hours apart respectively $200 in 4 transactions. The AP terms and conditions say that they will attempt to collect the payment 3 times if they have tried 3 times it is still unpaid the $50 fee is added. First I will never understand why in todays everything in an instant world NFTs still take multiple days to process but that isn't the fault of CR. CR however very obviously and in my opinion intentionally delays AP trans an extra day or 2. The quickest any of my transaction with CR was processed was 4 days. Most took 5 or 6. This random timing makes bookkeeping a nightmare for those scraping by paycheck to paycheck that happen to be the people most likely to need a program like this one. CR once finding out the charge bounced puts the charge through 2 more times back to back even knowing there is no money to cover them allowing them to charge the $50 fee or fees depending on when CR felt like processing the charge.

  

  Business response

  02/08/2023

  Fees cannot be refunded due to the agreed terms and conditions.  We do not report to the credit bureau.

• Initial Complaint

  01/13/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  My banking account got hacked so I had to get a brand new account so I got gas at royal farms before that so when it was time the charge didn’t go through so it went to debt collection. When I called them they put it on a date where it come out in my new account. Well I forgot about it coming out and so when it popped out I thought I got hacked again so I got my bank to freeze it so I got my money back. I called them again today and I got told it was $86 because it got sent back. It was originally $36, I never got told that there will be a $50 fee if I didn’t pay the $36 for gas.

  

  Business response

  01/13/2023

  All payments taken over the phone customers are told about the additional $50 fee if it returns again.  I reviewed this recording and the customer was told this.

  Customer response

  01/17/2023

  
  Complaint: ********
  
  I am rejecting this response because: when I first contacted them about the problem, they never said there was a fee until I called them back about the charged was $86. When I first saw the charge on my account I thought I got hacked because the name of it was strange so I got it frozen. 
  
  Sincerely,
  
  ******** ****

  

  Business response

  01/30/2023

  When the customer first received the return she paid with a credit card on 12/30/2022.  She then disputed that credit card on 01/06/2023.  Items returned for No Account Found do not get a service fee for 10 days from the date of listing.  This customer had passed the 10 day limit so a fee was added.  The customer cannot be refunded at this time.

• Initial Complaint

  01/10/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  I went to ***** on Zeirdt Road in Madison, AL and purchased gas for $27.72 on November 3, 2022 at 5:39 pm. I made the purchase with ***** through their discount on their app with *******. My account was charged the $27.72 but was ALSO charged $40.67, which was NOT my purchase. I was on the phone with ***** and ******* for 3 days trying to get this erroneous charge of $40.67 removed from my bank account. I was assured by the a supervisor (*****) with ***** after 3 days and receiving phone calls being threatened with collections that this was corrected and taken care of on November 10th. I continued to receive phone calls from the collections agency after I was ASSURED by ***** this was taken care of. Today 1-3-2023, I received yet another call from CheckRedi (the collections agency) that I needed to pay the $40.67. I was on the phone with them in a 3 way call with ***** waiting on the supervisor ***** and was told she could not talk. After numerous phone calls and everyone saying the other had to fix it, this issue still has not been corrected and the supervisor ***** has still not returned my call as promised! I am sick and tired of the 3 different divisions saying the other has to fix this. I want the collections against me REMOVED and this taken care of ASAP!

  

  Business response

  01/11/2023

  This was resolved and removed from collections on 01/03/2023.  The customer was notified of this by CHECKredi on the same day.

  Customer response

  01/13/2023

  
  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.
  
  Sincerely,
  ***** *******

• Initial Complaint

  12/20/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Apparently using an app to pay for gas an initial card was billed but then after rejection billed to the correct card. Each time despite being billed correctly this company, check redo took out between 35-60 per event. I have the entire train of withdrawals from my account but they are still charging me because the FIRST transaction incorrectly billed the wrong card.

  

  Business response

  12/20/2022

  Customer is required by the terms and conditions to make sure they are using the correct card.  All rules and regulations have been followed.  I am asking the BBB to close this case in purview.

• Initial Complaint

  11/22/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I made a purchase at a Shell Gas Station, Black Mountain, NC. The receipt lists the address as *** ******* ** Black Mountain. The phone number is ************. I paid at the pump using my Shell app on my iPhone. The amount was $49.54 and the date was 10/19/2022. On 10/21/22, the amount was processed with our bank and it showed our balance to be negative. We have overdraft protection. The amount got returned and we were charged a $35.00 fee from CHECKredi. We disputed the fee with our bank and they reversed the fee for us. The $49.54 purchased was processed again and paid. Now, I am getting text messages from CHECKredi, stating they are attempting to collect a debt. I have seen other complaints about this company. I am not going to call them and be subjected to harassment. Every other complaint filed or noted online, indicates they harass people and are extremely rude. I’ve never run into this issue with purchasing gasoline. I do not want this to show up on my credit report either. I am not going to pay their fee and do not want to be contacted by them again.

  

  Business response

  12/02/2022

  This need to be closed in purview as the customer signed the terms and conditions agreeing to the fee.

• Initial Complaint

  11/21/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  On Nov 13,2022 I purchased gasoline at Circle K using their Easy Pay card for a $9.76 transaction. That card, which I haven't used recently, was linked to a checking account which had been locked by Bank of America due to suspected fraudulent activity. On the 16th, I received an email from [email protected]: Hello *******, Your transaction using your Circle K-Coastal Carolina Easy Pay, account (********), has been placed on hold. Your transaction in the amount of $9.76 made on Nov 13 2022 located at 4509 Hwy 17 was returned unpaid by your bank.If this transaction was returned due to non-sufficient funds, our collection agent CHECKredi, will electronically debit your account for the original transaction amount and a $30.00 dollar state allowed returned check fee per item.Please ensure that funds are available to satisfy the total amount due. Final settlement may take up to 5 business days following the date that your payment is debited from your account. We will notify you via e-mail that your payment account has been re-activated.Should you have any questions or would like to arrange an alternative method of payment, please contact CHECKredi at 1-800-742-2925 I immediately called CheckRedi, explained the circumstances and was met with three separate cold and disassociated individuals who simply wanted to collect the extra $30. They cared nothing about the mitigating circumstances that led to the payment being returned by Bank of America. On 17 Nov, I called a Bank of America executive in the fraud department who is preparing a letter on my behalf regarding the account closure. I can expect that letter in five to ten days and will forward it to CheckRedi for their consideration.Check Redi has a number of these cases on the Better Business Bureau site & all of them indicate it is a LLC thriving on the misfortunes of innocent people whose linked accounts have been compromised. I am reporting their practices to the BBB as well as the SC Attorney General's Office.

  

  Business response

  11/25/2022

  This has been paid in full.  Case closed.  Customer agreed to the terms and conditions when signing up for his Circle K Easy Pay account.  BBB close this case as not being in purview.

  Customer response

  11/29/2022

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

  Their response was that the matter was paid in full and that I agreed to terms and conditions of the card.

  YES, the $9.76 charge AND THE $30 LATE FEE WERE TAKEN from my checking account just after Bank of America lifted the freeze on my account!  Although I had specifically told three separate individuals in this collection agency that I was willing to pay the $9.76 charge for gas, I NEVER AGREED TO PAY THE $30 AND, IN FACT, INFORMED THEM TO PURSUE THIS MATTER IN COURT.   Instead, when the account re-opened, they went in and collected their fee without my permission.

  This entire matter could have been resolved by a manager who would have clearly seen that this returned check was totally out of my control.   Once I received their notice, I spent a good forty five minutes explaining my case....but they were adamant on collecting their $30 fee. 

  I want the $30 returned to my account and an apology for their going in without my permission and charging my checking account for the $30.  This company's business procedures are totally unfair and they should be rated accordingly by the Better Business Bureau.

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

  

  Business response

  12/01/2022

  Your fee will not be removed.  Here are the terms and conditions agreed to.  See section 4 disclosures. https://secure.paymentcard.com/payment-terms.php

   

• Initial Complaint

  08/02/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  My bank account was debited by zip line for Cumberland farms smart pay on 7/26. There was insufficient funds in the account that was on file. I received a notice at 11:00am on 7/29 noting that they would debit the account in 5 business days. I received a subsequent notice indicating that I can send the payment by check or dispute the transaction by 8/28. The company instead of following their subsequent email notice, charged my the next business day and I incurred an additional fee of $53. I spoke with ***** ***** and ***** *******. The business license is *******. The general manager is ***** ******** and they are owned by William Rock. I would like the fees reimbursed due to their contradictory statements made.

  

  Business response

  08/02/2022

  The customer received notification by email from ZipLine that if they fail to make payment arrangements that the item will be re-processed through their bank account for payment.  They also agreed to the terms and conditions that state this same thing when signing up for their rewards program. https://secure.paymentcard.com/payment-terms.php

  I am asking the BBB to close this case in perview as it does not pertain.

  Customer response

  08/03/2022

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

  per the written communication that followed their original email they provided it indicated that I had until 8/28/2022 to make the payment or dispute the transaction. This is willfully misleading. It would seem that subsequent communication would supersede prior communication. It was also indicated on the phone call placed on 8/2/2022 that a phone call notifying them of the incoming payment would have also stopped an additional debit to the account. This would lead any customer to believe that an auto debit would not take place.

  
  Sincerely,
  
  Keneil Anglin

  

  Business response

  08/04/2022

  No fees will be refunded per the terms and conditions and company policies.

• Initial Complaint

  03/29/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  On Wednesday March 23rd 2022 I purchased Gas at an Irving gas station using my Irving Rewards Card (Irving Debit Pay). I received an e-mail on March 28th 2022 stating that my payment of 59.26 was put on hold and that it was return unpaid. I have proof I had the money in my account on this day, I even transferred an extra 78.80 in order to ensure that I had enough to pay this money. I am not disagreeing with paying the original owed amount of 59.26 but they are trying to force me to pay 35.00 on top of the original owed amount. That is absolutely insane for a company to charge me OVER HALF of my owed amount. I called their customer service about 6 times each time telling them I would pay the 59.26 but I will NOT pay the fee and instantly they ended the call telling me that they can't waive the fee.

  

  Business response

  05/17/2022

  Business Response /* (1000, 5, 2022/04/05) */ The customer is responsible for all fees due according to the terms and conditions. If the bank returned this in error then they will need to reimburse you the fee. No documentation has been received by our office showing this was a bank error and no calls with the bank have been provided. We can provide the customer with a tracer number to show to his bank to prove that the item was returned. As of right now the customer is paid in full. To cancel your account you will need to contact ZipLine your card holder. We are unable to do this.

• Initial Complaint

  01/27/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  In the smartpay app, in "manage payments" it shawed a blank screen with no way to update the payment. There was also absolutely no information on the app letting me know to contact CheckRedi to update my payment method. My husband and I closed the bank account linked to the smartpay app on January 19th as we were changing banks. January 22nd 2022 my husband made a gas purchase using our smartpay rewards app for $61.25 forgetting that we had that linked to the closed account. I then started receiving calls and text messages from checkredi saying I owed them the $61.25 PLUS a $20 fee. I asked if they could reverse the fee as like I stated there was no way for me to change the payment method through the smartpay app and there was no information in the app to lead me to CheckRedi. They refused and told me I have to pay the full $81.25. I find this to be completely misleading on the smartpay apps part as I had no idea we were actually using CheckRedi. We have used the smartpay app for 5+ years and we do not recall ever being told it was through this CheckRedi business. I just want the $20 fee reversed so we can pay the $61.25, then we will be closing the account as this was a huge pain.

  

  Business response

  03/10/2022

  Business Response /* (1000, 5, 2022/01/28) */ The SmartPay has never allowed you to update banking information. Banking information has to update through your card holder ZipLine. There will be no billing adjustment made. Consumer Response /* (3000, 7, 2022/02/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) So, you admit that there is no information on the smartpay app telling people that there is no way to update the payment method...and what is zipline? We were contacted by CheckRedi. There is no way to update the payment method through the smartpay app and no information on the smartpay app as to HOW to update the payment method or WHO to contact. Now you have given me another company I am supposed to go through? This is ridiculous. I just want the $20 fee reversed so we can pay the $61.25, then we will be closing the account as this was a huge pain. Business Response /* (4000, 9, 2022/02/09) */ we have attempted to contact consumer to explain with no return calls. Consumer Response /* (4200, 11, 2022/02/09) */ (The consumer indicated he/she DID NOT accept the response from the business.) No, I have not been contacted since starting this complaint. Business Response /* (4000, 14, 2022/02/10) */ Several Messages have been left at the number on file. Please contact ***** ****** at our office. XXX-XXX-XXXX

• Initial Complaint

  10/07/2021

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Resolved

  More info

  To whom it may concern, On April 30th I purchased gas ($21.01) at Cumberland Farms using their gas card which is linked to my bank acct. I had changed my bank account associated with the gas card and the next time I went to purchase gas, the card was accepted and I received the gas but Cumberland Farms bill processing company (Check Ready) never changed my bank account info. I have no probem paying for what I received but they want to bill me an extra $20 fee which I refuse to pay since they are the ones at fault. As a result they placed my account on hold until I pay $40.01 (gas and fee). I tried contacting them various times regarding this issue but I was met with the same rude response stating that that they did not make a mistake. As a resolution I simply want to pay for the gas I bought and have my acct reactivated. They apparently turned the acct over to a collection agency. I uploaded the latest statement.

  

  Business response

  12/08/2021

  Business Response /* (1000, 5, 2021/10/12) */ We have attempted to contact the customer by phone with no response. Please call XXX-XXX-XXXX and ask for ***** ******* Consumer Response /* (2000, 7, 2021/10/19) */ (The consumer indicated he/she ACCEPTED the response from the business.) I spoke with ***** ****** on Tuesday 10/19/21 and agreed to pay the owed amount of $21.01 without any fees and she agreed my account would be reinstated shortly after payment is received. I paid as agreed with with my credit card the same day. I am satisfied with the outcome so long as my account is taken off of hold status and my account is considered paid in full and nothing more is owed. Thank you

*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. ↩