ComplaintsforCheck N Go

• 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,
  
  **** ******
  

• Initial Complaint

  05/02/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Check N Go mentioned that Check N Go sold a canceled debt to a debt collector! Check N Go claim the debt as a write off. Either way it goes a write off of a debt is cancellation of a debt in the account books of a creditor. When Check N Go wrote off a debt and charges the debtor on the extra amount after the written off debt, it can be taken as evidence that the debtor is discharged from that written off debt. By Check N Go stating that they sold the debt to another lender the account cannot be furnished on my account by Check N Go as a Charge Off nor Write Off on my consumer report. Send me the 1099C form or delete

  Business response

  05/08/2024

  To Whom It May Concern: 

  We want to thank **** ***** ***** for contacting Check 'n Go regarding his 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 *** ***** in accurately asserts in his complaint that his debt to CNG is cancelled. *** ***** originated a $4,000 Installment Loan on 1/25/2020 and due to his failure to make all payments the loan was written off on 8/31/2021. Please see the following SIIL Transaction history. CNG properly reported the written off loan to the applicable credit bureaus and under the Fair Credit Reporting Act this information can remain of record for up to 7 years.

  Further, as the underlying loan is not a cancelled debt, a 1099c is not appropriate. While CNG made the decision to not further collect on the debt, the debt was purchased by ******* ********** *** and thereby ******* ********** *** could collect on the purchased debt.

  If *** ***** has additional questions or concerns, I invite *** ***** to engage our team at **************** .

  We believe the foregoing and attachments resolves this complaint.

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

  Customer response

  05/09/2024

  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.
  Charge off definition:
  Charge-off. Write off of a debt and termination of servicing activity without release of liability. A
  charge-off is a decision by the Agency to remove debt from Agency receivables, however, future
  payments may be received.
  Write off:
  a write-off of debt is cancellation of a debt in the account books of a creditor. When a creditor writes
  off a debt and charges the debtor on the extra amount after the written off debt, it can be taken as
  evidence that the debtor is discharged from that written off debt.
  cancellation of a debt:
  ****************
  How Does Canceled Debt Affect Taxes?
  The IRS considers most forms of forgiven, canceled or settled debt as income for tax purposes. If the
  amount of your canceled debt is more than $600 and it's considered taxable, the lender is required to
  send you a 1099-C form, which includes the cancelled amount that you'll need to report.                                                                                                                                                                                                                                            I am not asking for verification or validation of this account. DO NOT WASTE MY TIME WITH STALL                                                                                                                                                                                                                    LETTERS the only response to this letter is the Deletion of the inaccurate information being furnished.                                                                                                                                                                                                                  The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET
  REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account
  inaccurate! You already stated the account is written off and if you need help of understand what a write off mean please reread the above information I provided.                                                                                                               Check n go already received a tax break; I been damaged plus Check N Go sold the account in a pool of debt.                                                                                                                                                                                                 Now I am suspicious that Check N Go is committing tax fraud for not reporting to the IRS saying the account is not 1099C required when my consumer report clearly report a CHARGED OFF.                                                                    Who are you lying to me or the credit reporting agency?  

  ***** *****
  

  Business response

  05/21/2024

  To Whom It May Concern: 

  We want to thank *** ***** ***** for contacting Check 'n Go regarding a 1099C. We completed an investigation into the matter and advise this is a duplicative complaint that was previously answered on 5/08/2024. No additional facts or circumstances have been provided that would require a different answer.

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

• Initial Complaint

  04/29/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I did a pay day loan to check n go in February 2024. The payment of $587.50 came out of my bank account on 03/04/24. The check was returned on 03/11/24 by the business bank. Check N Go bank with ***** *****. ***** ***** returned the check but did not return my money. I have been going back and forth with the company, ***** ***** and my bank *****. I am having a hard time getting my money back. I have completed all of the forms that ***** has asked me to complete. I have taken the forms over to Check N Go and they still have not returned my money or signed the papers that was given to them. I have been calling and calling to Check N Go and cannot get anyone to answer the phone. I have gone into the place of business and is always being told that they have not received anything and they are waiting on the manager to get back with them. This has caused financial hardship for me and my family. Even not as I am doing this complaint, I still have not heard anything back from Check N Go. I cannot speak with a manager because there is not one available. I was told that the check was requested to be returned. I just want to get my money back so I can pay them directly and not use their check system. This has really become a really bad experience for me and I will never use them or refer them to anyone.

  Business response

  05/14/2024

  To Whom It May Concern: 

  We want to thank *** ****** ******* for contacting Check 'n Go regarding her 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 according to our bank *** *******'s bank returned the check due to nonsufficient funds. *** ******* did provide a bank statement showing the point at which the check was deposited but the bank statement cut off prior to the date the check was returned to us. *** ******* has spoken with a field leader and this was explained at that time. A copy of the returned check was also provided at that time. If *** ******* is able to work with her bank and provide documentation showing the check was cleared and never returned by her bank we can clear the check in our systems. A copy of her bank statement for March 21, 2024- April 20, 2024 would allow us to review the timeframe of the returned check.
  
  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of Check 'n Go
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

• Initial Complaint

  04/23/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This company it’s not willing to remove that collection off my credit i have been trying to explain to them that I don’t know I didn’t apply for that credit card so I would love to get help with that please in thanks you

  Business response

  05/01/2024

  To Whom It May Concern: 
  
  We would like to thank *** ******* for contacting Check ‘n Go regarding his previous Xact loan and related information being reported to credit bureaus.  We completed an investigation into the matter and can confirm that *** ******* obtained an Xact loan on 4/22/2023 in the amount of $1,945.00.  Our records indicate that loan defaulted and was sold to ********** **** ********* *** on 2/26/2024.  For any questions or concerns, we would advise *** ******* to contact the Third-Party agency directly at ###-###-####.  We would have no additional information to offer, as we are not the current owner of his debt and have not contacted him since the date of sale.  
  

  Although *** ******* ** account is closed in our collection system, his account will always remain in write-off status. This is a matter of Corporate policy.  As a result, we respectfully decline to remove any information from his credit report, as all information currently reported is accurate and up to date.

  
  Sincerely, 
  

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

• Initial Complaint

  04/22/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am constantly being harassed by a company they hired. His name is Justin and he said he is going to garnish my wages and wants to talk to my HR. I am filing BK and they won't stop calling me about a debt in 2018.

  Business response

  05/01/2024

  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 *** ******* obtained an online payday loan on 4/20/2015 in the amount of $255.00.  Our records indicate the loan defaulted and was sold to ****** **** ******** on 10/21/2015 with a balance of $315.00.   For any questions or concerns, we would advise *** ******* to contact the Third-Party agency directly at ###-###-####. We would have no additional information to offer, as we are not the current owner of his debt and have not contacted him since the date of sale.
  
  

  Sincerely, 
  

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

• Initial Complaint

  04/12/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I borrowed funds from Check N Go and because of the loss of income became behind in my payments. Check N Go made arrangements with me to continue to payoff the loan and they would agree to “right off” a percent of interest on the loan in order to protect my credit. I’m now a widow and a senior struggling to find a home and have found that, although I was told the agreement would not be affected by any credit reporting agency at the time, Check N Go did in fact report the amount they agreed upon to have written off and the loan was paid in full to two credit agencies. My credit score is 720 on the one agency without the reporting from Check N Go, but because of their dishonest disclosure at the time I agreed to repay my loan in order to protect my credit, the other two credit reporting agencies are making it impossible for me to find a home I can obtain credit with. I would like for check n go to simply live up to their agreement with me and remove the unfavorable and dishonest credit report from my credit history with them. Thank you.

  Business response

  04/17/2024

  To Whom It May Concern: 
  
  We would like to thank *** ********* for contacting Check ‘n Go regarding her previous loan. We understand that there is some confusion with credit reporting requirements and the terms and conditions of her installment loan.

  We completed an investigation into the matter and can confirm that *** ********* obtained an installment loan on 10/9/2019 in the amount of $5,000.00.  Our records indicate that loan defaulted and was written-off on 7/1/2021 and transferred to our internal collections department.  A settlement offer was accepted by *** ********* where she agreed to pay 2 separate payments of $504.51 with due dates of 11/4/2021 and 12/6/2021.  Our records indicate those payments were successful, and her account was closed on 12/6/2021 and her account status was changed to "Settled In Full".  
  

  A review of phone records does not confirm *** *********** claims that she was told her credit would not be impacted.  Although *** *********** account is closed in our collection system, her account will always remain in write-off status. This is a matter of Corporate policy.  As a result, we respectfully decline to remove any negative information reported to the credit bureaus, as all information is current and accurately reported.  If *** ********* has any additional questions or concerns, we would encourage her to contact our Corporate Collection Department at ###-###-####, where one of our friendly agents will be able to assist her.
  
  Sincerely, 
  

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

• Initial Complaint

  03/29/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Subject: Harassment and Threats from Check In Go I am writing to bring to your attention a troubling situation involving Check In Go. I have been subject to persistent harassment and threats from them regarding an alleged debt. Despite my attempts to address the matter, they have resorted to aggressive tactics, including threatening legal action and continuously calling me. I want to emphasize that I have recorded all of the threatening voicemails they have left me. This behavior is unacceptable and has caused me significant distress. I am prepared to seek legal counsel if this harassment does not cease immediately. I demand that Check In Go provide evidence to substantiate their claim and refrain from further communication until they can do so in a professional and respectful manner. I expect prompt action to resolve this matter and prevent any further harassment. Thank you for your attention to this urgent matter. Sincerely, ***********

  Business response

  04/02/2024

  To Whom It May Concern: 
  
  We would like to thank *** ***** for contacting Check ‘n Go 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 *** ***** obtained a payday loan on on 3/5/2022 in the amount of $275.00.  Our records indicate that loan defaulted and was sold to Structured Settlement on 4/3/2023 with a balance of $302.50.  For any questions or concerns, please contact the Third-Party agency directly at ###-###-####. We would have no additional information to offer as we are not the current owner of his debt and have not contacted him since the date of sale.  We have no control over the communication practices of other companies, and cannot prevent him from receiving future calls that do not originate from our company.  We have placed his contact information into our "Do Not Contact database" as a courtesy to ensure he does not receive future communication from us.

  We would like to advise that a Validation of Debt request has been initiated with the appropriate department.  Once the documentation has been gathered it will be sent to the physical address *** ***** provided within the contact information section of this complaint.  *** ***** should receive those documents within 45 days.
  
  
  Sincerely, 
  

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

*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. ↩