ComplaintsforAllied Cash Advance

• Initial Complaint

  03/20/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  ok I have paid them every month I paid them in Feb I paid March 1st 197.00 day after I paid it it said past due. now it's saying I'm 2 months past due total almost 400 their webpage is ********* under their page. I have bank info where it cleared

  Business response

  03/26/2024

  To Whom It May Concern: 
  

  We want to thank *** ****** ***** for contacting Allied Cash Advance. We understand that there is some confusion with the terms and conditions of her loan. We completed an investigation into the matter and advise as of 3/26/2024 5 payments have come due on *** ***** account. The first payment was due on 11/01/2023 and was paid via ACH, which cleared. The second payment due on 12/01/2023 was also paid via ACH, and cleared. On 1/01/2024 the third payment was attempted via ACH, but on 1/05/2024 that payment was returned by *** ***** bank. Due to the return of the payment another attempt was made via ACH on 1/30/2024. On 2/01/2024 the automatic ACH was attempted. Both the ACHs (1/30/204 and 2/01/2024) were returned. On 2/26/2024 again the returned payment was attempted via ACH, but again was returned. After this attempt we will no longer attempt payments through ACH. *** ***** did make 1 debit card payment on 2/28/2024 that satisfied payment # 3. If *** ***** would like to provide bank statements showing payment have cleared we would be more than happy to review the documents but at this time the account is two payments past due.
  
  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of Allied Cash Advance 
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

• Initial Complaint

  10/17/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Allied Cash Advance has been reporting false information to the credit companies and they have continued to do so for over a year now. They have ruined my credit and when I call to get a reason for the false reporting they say there is nothing they can do but give me a complaint # to call unable to speak to any managers or a corporate office there is zero help with zero explanation. Yet I’ve paid on my original loan amount of 4,500 for over a year now @ $303.99 every 2 weeks and I called for a pay off I was told up to date I owed $4,367.22 with no explanation or reason how or why I would owe almost what I originally borrowed over a year ago yet been paying $303.99 every 2 weeks. The rep I spoke to did not understand why and was unable to find out a reason just apologized and said there was nothing she can do but give me the complaint line #. This ********* * has made me physically and mentally sicker than I have ever been. Any help in regards would be awesome and I am willing to do anything I can to help make sure no other hard working American has to ********* * what they have put me through.

  Business response

  10/24/2023

  To Whom it May Concern,
  We want to thank *** ****** for contacting Allied Cash Advance regarding his concerns, and we’d like to take this opportunity to address them.
  
  First, we understand *** ****** believes Allied Cash Advance is reporting inaccurate information to the credit bureaus. As previously communicated, we have investigated his concerns and confirmed that the reported information is true and accurate. A review of his loan history shows the customer has been 30-plus days late multiple times, and the company reported the payment history as such. We have explained our findings to *** ****** on several occasions. We respectfully decline his request to remove the information based on our findings.
  
  Secondly, regarding *** ******’s loan balance, we show that he spoke to our store on 10/3/2023, and we provided the requested information to him. A review of his account shows he paid the loan off on 10/20/23, and it’s now considered Satisfied – Paid in Full. A review of his loan history confirms the following:
  
  Loan Amount: $5,000.00
  Principal Paid: $5,000.00
  Interest Paid:  $4,160.35
  Remaining Balance as of 10/24/23: $0.00
  
  Please note *** ****** paid his loan off via a debit card. If the payment returns, the above information will be null and void.
  
  *** ****** has expressed concerns with his principal balance, stating he doesn’t understand why the balance isn’t decreasing. We have previously discussed his concerns and explained how payment apportionment works. We have communicated that at the beginning of an installment loan, most of the payment is applied to the interest; however, if the customer makes all installments on time, more of the payment is applied toward the principal throughout the loan. Additionally, we’ve also discussed his late payments with him. As stated previously, Ms. Loftin has been late 30-plus days on multiple occasions, resulting in additional interest accruing on the loan, which has impacted his ability to pay down the principal balance.
  
  We believe this matter to be settled but if *** ****** has additional questions or concerns, he may contact us by visiting www.alliedcash.com/contact.
  

   

  Sincerely,
  

  -Customer Advocacy

• Initial Complaint

  07/16/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  This debt appeared on my credit report and I requested a validation of debt without success. It went from appearing on my credit report as ****** Financial to Allied Capital Management, I disputed it with Alliant as well and submitted a complaint via the bbb. Alliant Responded they sent the debt back to the creditor and I filed an additional complaint with the ********** Department Of Financial Protection and Innovation regarding removal of this debt from my credit report. My credit report has been updated as paid in full, I have NEVER recieved the validation of debt and confused as to why this change was made to my credit report. I am retired military and I review my credit report periodical.

  Business response

  07/18/2023

  To Whom It May Concern: 
  
  We want to thank *** **** for contacting Check ‘n Go regarding concerns associated with her previous request for Validation of Debt documentation.  We completed an investigation into the matter and found that *** **** previously requested Validation of of Debt documentation on 6/14/2023.  Our records indicate this documentation was gathered and sent to *** **** on 7/7/2023, and was sent via US Mail to the physical address we have on file for *** ****.  If *** **** has any additional questions or concerns, we advise her to contact our Online Customer Service Department at ###-###-####, and 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 

  Customer response

  07/18/2023

  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. 
  
  Regards,
  
  ***** ****
  

• Initial Complaint

  06/20/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I got a loan from allied cash back in February 2021 for the amount of $2065 was approved for it. The lady that handled it said I was in office in **** ******* to sign the paperwork which was a lie. I was living in ******** when I applied for a remote loan. Fast forward I went to ask for a refinance in the amount of $700 for for roof repairs to my home. I suffered a near fatal heart attack in the process of trying to repair my home that’s why I requested a refinance. But was told that I wasn’t allowed because I’m no longer a resident of *******. I went and talked with the district manager and same thing I’m blocked from getting any loans. But she did approve the original loan So I am currently blocked from getting any loans in Al states because of this.

  Business response

  06/26/2023

  To Whom It May Concern:
  
  We would like to thank *** ****** for contacting Check ‘n Go regarding concerns associated with refinancing his loan.  Unfortunately, *** ****** is unable to refinance an in-store loan in a different state other than the one he resides in.  Documentation provided in his most recent loan reflect an address and drivers license from the state of ********.  Although he is unable to obtain an in-store loan, we would like to inform *** ****** that he is eligible for an **** loan and can refinance his current loan into an **** loan in order to accommodate his needs.  If he would like more information, or would like to speak with someone in further detail, he can contact customer support 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

  06/26/2023

  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,
  
  ****** ******

   

  I do not agree with this - I have contacted the local office and they said they can basically do what they want. There are state laws regarding these sort of things. I want an explanation and more detail. 

  Business response

  06/28/2023

  To Whom It May Concern:  
  
  We have previously investigated *** ******'s claims and provided a detailed response to his inquiry.  As stated in our previous response, *** ****** is unable to obtain a loan in ******** due to lending restrictions in that state.  We informed *** ****** that he is eligible for an **** loan and that he can refinance his current loan to an **** loan in order to meet his needs. Until the customer provides new information for consideration, we refer them to our previous response.  
  
  Sincerely,  
  
  Customer Advocacy Team 
  Corporate Offices of Check' n Go and Allied Cash Advance 
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

• Initial Complaint

  06/14/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Is 155% interest rate legal? I took out a loan while grieving, didn't look at the interest rate nor was it disclosed. I have fully repaid the original loan amount but am expected to continue to pay the interest. Cannot get the company to let me renegotiate the loan.

  Business response

  06/19/2023

  To Whom It May Concern:
  
  We want to thank *** ****** for contacting Check ‘n Go. We understand that there is some confusion with the terms and conditions of her loan and the current payoff amount.  After completing an investigation, we found that *** ****** agreed to the terms of her Loan Agreement when she signed the contract and took out an installment loan on 8/13/2022 in the amount of $4,190.00.  According to her Loan Agreement, her loan contained an Annual Percentage Rate of 155.57%, Finance Charges of $6,469.57, for a Total of Payments in the amount of $10,659.57. 
  
  She is more than welcome to pay off her loan early, which would result in a reduction of the daily interest.  The payoff amount changes daily and adjusts according to the amount of daily interest accrued.  She may contact customer support at any point to request an up to date payoff amount.  She can reach customer support at ###-###-####. 
  
  Sincerely,
  
  Customer Advocacy Team
  Corporate Offices of Check' n Go and Allied Cash Advance
  P.O. Box 36454
  Cincinnati, Ohio 45236-0454

• Initial Complaint

  04/10/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have went to the business called check and go at the time for a loan for $3,000 I have been paying on the loan for over a year and a half when I never got a notification or paperwork that they had got shut down and I still been paying it until I got a call saying that they could not get funds out of my account anymore. And that they needed me to make my payment immediately after me being aware that they shut down I've been asking for paperwork about my loan but no paperwork has been received I've been getting calls from two different numbers coming back from two different in ******* and now my loan is more for what I got it out and nothing reflects from the $432 payments I've been paying every month on it! When asked for paperwork or something stating that they got shut down and why they moved I get nothing I just get going around in circles and they want my payment they tell me that the interest in each day so now my payment is gone from $432 to over $1,200 within 3 days because of interest I don't know what to do here I'm on a fixed income !!

  Business response

  04/12/2023

  To Whom It May Concern:
  
  We want to thank *** **** for contacting Check ‘n Go regarding her installment loan. We understand that there is some confusion with the terms and conditions of her loan and the remaining loan balance.
  
  We completed an investigation into the matter and can confirm that she took out an installment loan on 4/22/2022 in the amount of $3,500.00, an APR of 123.53% and consisting of 23 monthly payments in the amount of $413.66.  *** ****** loan has fallen into delinquent statues multiple times with installment payments returned by her bank for insufficient funds.  These returned payments resulted in extra daily interest added to the loan balance and have caused the outstanding balance to increase. 
  
  *** **** is more than welcome to pay off the loan early which would result in daily interest savings over the life of the loan.  If she has any additional questions or would like to make a payment, we would encourage her to contact Customer Support at ###-###-####, and one of our agents would be happy 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

  01/31/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  My wifes phone call received a message from phone number ###-###-#### claiming to be an arbitration company (******** *********** *******, *******) claiming to be representing *** Recovery who was operating on behalf of Allied Cash Advance /************** stating I had taken out a payday loan and owed alost $2000 and could be sued for almost $4000 and placed in the CHECKS system from a pay day loan in 2018. My first question was if I was in collections with a recovery service why was it not on my credit report? She siad because my credit was not used to open the account, bank verification was. She gave me the banks name and a bank account number. (after the call I went to said bank and verified I have never had an account with that bank under my SS# nor did any account ever exist in the system with the account number she provided). The Lady at *** asked if I ever resided at ****** Street in *****, ******** and I siad no never lived in that state, then asked about my current address in *******. Asked if I ever worked for the VA. I told her they had been a victim of Fraud and I did not owe or had I ever taken out a payday loan from **************. She said she would forward my statement back to *** and expect them to place me in the CHECKS system. ******* would not give me a mailing address for them YESTERDAY my wife gets an email from PARK MEDIATION out of ******** ** with the same accusations. Now upon further research, Allied Cash Does NOT offer services in my Current State, *******, my neighbor states ********* or ******* or ******** (which I have never lived) but was referrenced in the first call. yesterday's email is from ************************** and has a phone number of ###-###-####

  Business response

  02/03/2023

  To Whom It May Concern: 
  
  We want to thank *** ****** for contacting Allied Cash Advance regarding the calls he has been receiving from someone claiming to be a representative of Allied Cash Advance. We completed an investigation into the matter and can confirm there are no accounts matching his information in our systems.
  
  We would like to thank *** ****** for sharing his concern with us and would like to assure him this information will be forwarded over to our Fraud Department.
  
  Sincerely, 

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

  Customer response

  02/07/2023

  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. 
  
  Regards,
  
  *********** ******
  

• Initial Complaint

  09/01/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  They keep telling me that I owed money. By emails. But they will not giving information about the account like my bank information or wham it was taken out. I been in the hospital for mental illness and my credit reports have been freeze.

  Business response

  09/06/2022

  To Whom It May Concern: 
  

  We want to thank *** ***** ****** for contacting Check ‘n Go regarding the calls you have been receiving from someone claiming to be a representative of Allied Cash Advance. We completed an investigation into the matter and advise we can confirm that there are no accounts matching Ms. Newton's 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 and Allied Cash Advance 
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

  Customer response

  09/06/2022

  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

  06/28/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have a current loan through Allied Cash Advance. I have automatic payment withdrawn from my account every other Thurs in the amount of 292.42 I called my local store on 06/28/22 to inquire about refinancing my current loan and spoke to William. He informed that I had roughly $1200 before I would be eligible for refinancing. I explained that the balance seemed high and he stated that can be due to missed or delinquent payments. I explained that I didn't have any missed or delinquent payments. He informed me that he was just saying what could be the possible cause. I asked him to confirm that I didn't have any missed or delinquent payments. He paused and then confirmed that I didn't. On Wed 6/22/22 I checked my bank account and saw that it was overdrrawn, when I inquired I discovered that this was because Allied Cash Advance attempted to pull an extra payment. I assumed that it was because of an error and called my local store. **** (store manager ****** **) answered and explained that they intentionally pulled the payment to cover a missed payment on January 13th. Confused I explained that I have never missed a payment. He stated that I had and they had attempted to reach me. I asked when and he stated that they call multiple times a week. I explained that if they had I had never received missed call or message. He stated they never left a message in 6 months, never sent an email, called my secondary number or sent a letter to rectify my account. I explained that I had called to inquire about my account and was informed that there were no missed payments on a recorded line. **** stated that he could not fix my account but would get in contact with his supervisor. I filed on online complaint on Thurs 06/23/22 and was contacted by a Manager on 06/24/22. She explained that she would pull the phone call and ******* would call on Monday. ******* called on 6/27/22 and informed me that despite the employee's error they would not credit the accrued interest.

  Business response

  07/06/2022

  To Whom It May Concern: 
  

  We want to thank Ms. ******* ******** ******* for contacting Check ‘n Go regarding her current loan. We understand that there is some confusion with the terms and conditions of her loan. We completed an investigation into the matter and advise Ms. ******** ******* spoke with the District Manager. The DM explained that on 1/19/2022 a payment was returned by Ms. ******** ********* bank. Store associates have tried to make contact with her since the returned payment. No voicemails were left, as Ms. ******** ********* voicemail does not confirm it is her phone number. That interest that has accrued since the returned payment will not be credited back to her account.

  
  We sincerely apologize for any confusion regarding Ms. ******** ********* loan with us.

  
  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of Check' n Go and Allied Cash Advance 
  **** *** ***** 
  Cincinnati, Ohio ********** 

• Initial Complaint

  11/01/2021

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  On Saturday Oct. 30th 2021 I went into this establishment and borrowed 100 dollars. And agreed to pay back 115.49 on Nov. 13th 2021. On mon. November 1st. I went back to rescind the loan and pay back the q00 dollars I had borrowed as I did not need the loan as I expected. In thier contract in definitions, terms, and conditions. Artical #5 states " right of rescission. You may rescind this transaction at no cost by returning to our store and paying us the full amount financed in cash not later than our closing time on the next business day immediately following this date " which is exactly what I did, as they had closed shortly after I left on Saturday the 30th. I have also done this before at a similar business with no problems what so ever. But this lady at allied, refused to look at contract, refused to honor thier contract, told me she did not write that contract that she had me sign, and in no way was she accepting a 100 dollar payment. She said I had to pay 115.49 and that was final. If I didn't follow on my end of the contract, they would take action against me. Why in the world, do they not follow thier end , and honor thier contract.

  Business response

  11/09/2021

  To Whom It May Concern: 

  We want to thank *** ******* ****** for contacting Allied Cash Advance regarding his loan. We sincerely apologize that *** ********* recent experience with Allied Cash Advance didn’t meet his expectations. *** ********* comments have been provided to our Retail Management Team and the concern was reviewed. We can assure *** ******* that his concern was being taken very seriously and was addressed appropriately. Unfortunately because *** ******* was not present and his representative did not have Power of Attorney to do business in *** ********* name the rescind of the loan could not be processed. 

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

  Customer response

  11/09/2021

  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,
  
  
  **** ****** I'm not sure who *** ******* is ?
  
  

  Business response

  11/15/2021

  To Whom It May Concern:

  
  We want to thank *** ******* ****** for contacting Allied Cash Advance regarding his loan. We sincerely apologize that *** ******** recent experience with Allied Cash Advance didn’t meet his expectations and our previous response was addressed incorrectly.   *** ******** comments have been provided to our Retail Management Team and the concern was reviewed. We can assure *** ****** that his concern was being taken very seriously and was addressed appropriately. Unfortunately because *** ****** was not present and his representative did not have Power of Attorney to do business in *** ******** name the rescind of the loan could not be processed. 

  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. ↩