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Business Profile

Prepaid Credit Cards

Axcess Financial Services

Headquarters

This business is NOT BBB Accredited.

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Complaints

This profile includes complaints for Axcess Financial Services's headquarters and its corporate-owned locations. To view all corporate locations, see

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Axcess Financial Services has 67 locations, listed below.

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    Customer Complaints Summary

    • 63 total complaints in the last 3 years.
    • 15 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. 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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:12/04/2024

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Terrible! This place is asking for documents that are not considered eligible in the eyes of the government to verify your identity! These jokers asked me for a gun permit! Not a passport, not a birth certificate or a SSN card but an unacceptable gun permit! I have filed a complaint with the appropriate divisions but this store will definitely be investigated for discriminatory and unfair practices!

      Business Response

      Date: 12/13/2024

      To Whom It May Concern: 

      We want to thank Ms. ****** ****** for contacting Cash Store regarding her loan application. We have conducted a review of our company records and found that Ms. ****** submitted a loan application on November 30, 2024. To verify Ms. ******'s address and identity, the system required a utility bill and another form of valid identification.   The store employee explained that Ms. ****** can present another form of identification with her date of birth, photograph, and address. The store employee suggested that a gun permit is acceptable as an additional form of identification. 

      Sincerely, 
      Customer Advocacy Team 
      Corporate Offices of Cash Store 
      P.O. Box ***** 
      Cincinnati, Ohio ********** 

    • Initial Complaint

      Date:10/04/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      My identity was compromised yesterday. I pulled my credit report today and noticed this company had pulled my credit report 10/4/2024. I haven't applied for any credit so I would appreciate this to be corrected.

      Business Response

      Date: 10/14/2024

      To whom It May Concern:

      Thank you for the correspondence regarding the **** Loan terms and conditions. The **** Loan is an installment loan originated and funded by Capital Community Bank (“CCBank”), a **** Chartered bank, located in Provo Utah, Member FDIC.  We have reviewed the complaint and appreciate the opportunity to investigate the matter and provide a response.

      The Company has investigated this complaint and offers the following explanation: we have completed a preliminary investigation and found a pending application that has now been withdrawn. We advise that the matter has been referred to our Fraud team for further review. If the Fraud team determines that there was potential ID theft, a case will be opened, and the fraud analyst assigned to the case will reach out to Ms. ********** directly to discuss the details of the investigation. If the case is confirmed to be fraud, **** will work with Ms. ********** to remove any information from her credit file associated with the matter.

      Ms. ********** can learn more about handling identity theft, by contacting the Federal Trade Commission at ******************************, calling (**** ******* *********), or writing to the Federal Trade Commission, Consumer Response Center, *** ************ ******* *** *********** ** *****. She may also want to reach out to local law enforcement agency to report the identity theft.

      We trust this information is responsive to the request.

      Thank you,
      **** Loan Customer Advocacy Department
      **** ********** **** ***** ***
      *********** ***** *****
      ***** ********
      ********************

    • Initial Complaint

      Date:09/02/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Pulled credit on me resulting in a hard inquiry on my credit report and I have no idea who this company is nor did I authorize them to pull my credit.

      Business Response

      Date: 09/11/2024

      To Whom It May Concern: 

      We want to thank Ms. ***** ****** for contacting Check 'n Go regarding her account. We completed an investigation into the matter and advise when an applicant applies for a loan with Check ‘n Go, as part of the credit application, Check ‘n Go will validate information using Third-Party resources such as credit reporting agencies. The disclosures for the loan application advise the applicant's credit will be validated. After validation and review are complete, Check ‘n Go will notify the applicant whether they qualified for a loan product. The completion of a credit application is considered Permissible Purpose according to the Fair Credit Reporting Act. The company respectfully declines the request to have the credit inquiry removed as it was associated with the credit application. The voluntary signature on the credit application is an acknowledgment that the company has the authorization to utilize third-party resources, such as credit reporting agencies, to complete the underwriting for the credit application.

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

    • Initial Complaint

      Date:07/27/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I don’t recognize this company or gave them my information.

      Business Response

      Date: 08/06/2024

      To Whom It May Concern: 

      We would like to thank *** ******* for contacting us regarding concerns associated with her credit report.

      We have completed a preliminary investigation and would like to advise that the matter has been referred to our Fraud Team for an official investigation. Once the Fraud team has completed their investigation, they will notify *** ******* of their results; either by letter or email. If the Fraud Analyst assigned to her case needs additional information, they will reach out to her directly. Additionally, if the case is confirmed for fraud, Check ‘n Go will work with *** ******* to remove any information from her credit file associated with the matter.


      Sincerely,


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

    • Initial Complaint

      Date:07/02/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Date of Incident: November 09, 2022 Amount Disputed: $2,300 Complaint: I need to report an unauthorized transaction of $2,300 with AXCESS FINANCIAL dated November 09, 2022. This transaction was made without my consent, and I believe it to be an act of identity theft. I urgently request the reversal of this transaction and a full investigation to safeguard my financial information.

      Business Response

      Date: 07/08/2024

      To Whom It May Concern: 

      We would like to thank ***** ****** for contacting Check ‘n Go regarding their concerns related to possible ID Theft.  We have completed a preliminary investigation and would like to advise that the matter has been referred to our Fraud team for an official investigation. Once the Fraud team has completed their investigation, they will notify ***** of their results; either by letter or email. If the Fraud Analyst assigned to their case needs additional information, they will reach out to them directly. Additionally, if the case is confirmed for fraud, Check ‘n Go will work with ***** to remove any information from their credit file associated with the matter.  In the meantime, if ***** would like to contact the Fraud Department directly, they may call ###-###-#### and one of our associates will be able to assist them.


      Sincerely, 


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

    • Initial Complaint

      Date:06/06/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      We have received an alert from ********/********** regarding an account in the name of & belonging to ****** *****/ ****** *****. It appears that AXCESS FINANCIAL is in possession of the account but has not summitted any proof of the right to claim the legal title. We did not authorize AXCESS FINANCIAL to hold the account. We need further clarification of your possession and who authorized this without the consent of the Executor Office. Additionally, if you do not have any proof of this, we would like to further connect with you as you have agreed to be our agent and we graciously accept your role and welcome you to do what is in our best interest. Enclosure: photo of the credit reporting by AXCESS FINANCIAL

      Customer Answer

      Date: 06/10/2024

      This is a request the the debt collect AXCESS FINANCIAL  provide proof that they have permission  to handle trust property or even a agreement between the trust account and AXCESS FINANCIAL. 

      Business Response

      Date: 06/20/2024

      To Whom It May Concern: 

      We would like to thank *** ***** for contacting Check ‘n Go regarding her previous loan.  We completed an investigation into the matter and can confirm that *** ***** obtained an **** loan on 1/31/2020 in the amount of $3,800.00.  Our records indicate that loan defaulted and was sold to ******* ******* *********** *** on 3/25/2021 with a balance of $4,286.33.  For any questions or concerns related to the loan, we would advise *** ***** to contact the third-party directly at ###-###-####.  We would have no additional information to offer, as we are not the current owner of her debt and have not contacted her 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 

      Customer Answer

      Date: 06/24/2024

      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,

      ****** *****

      Customer Answer

      Date: 06/24/2024

      This complaint is addressed to Axcess Financial Service. In which I’m demanding them to provide me with proof of any contract that I have or ever had with them. ***** * ** stated that the account has been sold in which I never gave ***** * ** permission to sell nor furnish my personal information to anyone. If Axcess Financial Services can not provide this information I demand that they remove this account from my consumer report.

      Business Response

      Date: 07/01/2024

      To Whom It May Concern: 

      We would like to thank *** ***** for contacting Check ‘n Go regarding her previous loan. After completing an investigation into the matter, we can confirm that we have previously addressed *** *****'s concerns and provided a detailed response.  We would like to reiterate that her permission is not required in order to sell a defaulted installment loan to a third-party debt buyer, nor is it required to report information to credit bureaus regarding the defaulted loan.   Within her most recent complaint, *** ***** has requested documentation validating her previous installment loan.  We have attached that documentation to this response her her to review.  Our position has not changed since our previous response was provided, and we encourage *** ***** to contact the third-party who currently owns her debt with any additional questions or concerns.


      Sincerely, 

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

      Customer Answer

      Date: 07/01/2024

      Better Business Bureau:

      This company is obviously trying to stall because they have no proof of their ownership of this alleged debt. They have attach a installment agreement with no signature which is not what I request. I will now pursue legal action for damages to trust property. No further responses  is need from AXCESS FINANCIAL

      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

      Date:05/24/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      AXCSSFN/CNGO is on my credit report saying that I owe them. I’ve never made any payments to them but my credit report says that I’m up to date on payments. I don’t even know who AXCSSFN/CNGO is. I believe that I don’t owe them anything. It says that the payments stopped in march but i didn’t stop paying anything and I don’t have any records of paying

      Business Response

      Date: 06/04/2024

      To Whom It May Concern: 

      We would like to thank *** ******** for contacting Check ‘n Go regarding his credit report.  We completed an investigation into the matter and can confirm that *** ******** obtained an installment loan on 7/29/2020 in the amount of $2,275.00.  Our records indicate there were three returned payments over the life of the loan that accrued additional daily interest until they were eventually caught up.  Returned payments were Installment #20 (5/11/21), Installment #21 (5/25/21) and Installment #22 (6/8/2021) all in the amount of $212.30. While all regularly scheduled installments were eventually caught up, the combined daily interest accrued as a result of the returned payments was never paid and still remains outstanding.   This is the open balance that is still owed by *** ******** which is reflected on his credit report.  If *** ******** wishes to close his account and pay off his remaining balance, 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 

    • Initial Complaint

      Date:04/23/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I spoke with someone when I called customer service regarding my credit being ran on two different dates by this company. I found out in March of 2024 that I have been a victim of identity fraud and I did not authorize my credit to be ran on 08/01/2023 as well as 05/02/2023 under my legal married name ****** ****** nor my maiden name ****** ********. I would kindly ask them to monitor that no one authorizes a loan or any service provided by your company under my name(s). I have filed a police report for the identity theft but won't let me upload documents. I want their company to remove the credit inquiries from my credit report.

      Business Response

      Date: 05/01/2024

      To Whom It May Concern: 

      We would like to thank *** ****** for contacting Check ‘n Go regarding concerns associated with her credit report.  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.  We performed searches using both her Married and Maiden name, as well as her social security number obtained via a third party verification platform.  If *** ****** can provide documentation reflecting the inquires in question, we will be better able to assist her in remedying the issue.  We would encourage her to contact our Online Customer Service Department directly 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 

    • Initial Complaint

      Date:03/30/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Hello, While getting denied for a checking account. I wondered why, while reviewing my credit report the banker stated I have a closed account on my credit report. I received the disclosed documentation from the banker on my credit report., while reviewing I noticed something on my credit report, that states I owe 2,000.00, for a closed account. When I tried to contact the company, listed on my credit report. (Axcess Fianacial ###-###-####) The company stated that their name is ***** *** **, and that I owe 2000.00. When I try to discuss the name on the credit report, or get more information, such as Who, What, When, and How. The company tells me to contact the company, they have sold it to. I called the company they stated they sold it to a company by the name of (******** ********** ********) ###-###-####. I called them, and they stated that I owe them. They also would not give me information, However, offer me a settlement amount, and stated that I know what I did. I ask, what is it for, and why is it on my credit report, they stated that they are not reporting anything on my credit report, and that I need to contact the company, who sent me to them. I ask, again, I got hung up on. I called back, Rep stated "am I going to pay the settlement amount or not". while continually to be very rude to me and hung up. I have called multiple of times after, I continue to get the Voice machine, which I leave messages, or I speak to very rude people. who still do not tell me any information, regarding this issue. Again, when I try to speak with Axess Finacial, also by my knowledge - ***** *** **, there staff refuse to give me any information. I also advised, them they are the ones who are reporting to my credit report and that I need to get this resolved. They refuse to give me such information, and continue to tell me that the account is closed, Please help, I just want this resolve, as in, I am not sure what this is, and why is this listed on my credit report

      Business Response

      Date: 04/02/2024

      To Whom It May Concern: 

      We would like to thank *** **** for contacting Check ‘n Go regarding the collections calls she has been receiving associated with a previous installment loan.  We completed an investigation into the matter and can confirm that an installment loan was originated in her name on 9/28/2018 in the amount of $2,000.00.  Our records indicate that loan defaulted and was sold to sold to ******** ********** ******** Corporation on 8/2/2019 with a balance of $2,937.79.  

      There have been multiple ID Theft/Fraud investigation requests received from credit bureaus that were initiated by *** ****.  Those claims were all denied by our Fraud Team due to bank records confirming the loan was originated using a bank account that belonged to *** ****.  There are also recorded phone calls where *** **** acknowledges the debt and recognizes making payments to a third-party.  Whenever an inquiry is made regarding a loan that was written off and sold to a third-party agency, corporate policy requires us to direct the customer to contact the third-party their debt was sold to.  This is done because we are no longer the current owner of their debt and would have no additional information to offer other than confirming we have not attempted to contact them since the date of sale. 

      All future correspondence and conversations should take place between *** **** and the third-party that now owns their debt and are actively seeking collections efforts.  We do not have any control over the customer service standards of companies other than our own, and cannot prevent a third-party from engaging in poor customer service practices.

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

    • Initial Complaint

      Date:03/17/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Out of nowhere AXCESS FINACIAL HAS APPEARED ON MY CREDIT REPORT AND I DONT KNOW WHY? IT SAYS I HAVE MISSED A PAYMENT BUT I DONT EVEN KNOW THIS COMPANY, IVE NEVER HEARD OF THEM BEFORE!

      Business Response

      Date: 03/18/2024

      To Whom It May Concern: 

      We want to thank *** ******** ******* for contacting Axcess Financial, doing business as, Allied Cash Advance regarding her credit report. 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 the case.

      For any additional correspondence, please refer to your Case number **************.

      Sincerely, 
      Customer Advocacy Team 
      Corporate Offices of Axcess Financial 
      P.O. Box 36454 
      Cincinnati, Ohio 45236-0454 

    Axcess Financial Services is NOT a BBB Accredited Business.

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