ComplaintsforAxcess Financial Services

• Initial Complaint

  07/27/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I don’t recognize this company or gave them my information.

  Business response

  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

  07/02/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  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

  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

  06/06/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  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 response

  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

  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 response

  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 response

  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

  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 response

  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

  05/24/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  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

  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

  04/23/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  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

  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

  03/30/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  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

  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

  03/17/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  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

  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 

• Initial Complaint

  02/28/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am writing to address the distressing discovery that you have been sharing my nonpublic information with credit bureaus, resulting in inaccurate reporting on my credit profile. This violates my privacy rights under 15 USC 1681 section 602 and 15 USC 1681 Section 604 A Section 2, which mandates written consent for such actions. Your inaccurate reporting, including incorrectly labeling timely payments as late, has caused significant financial and emotional distress. I demand immediate corrective action and cessation of unauthorized information sharing. I also seek compensation for damages incurred. Please rectify this matter promptly. My account number is ********

  Business response

  03/01/2024

  To Whom It May Concern: 
  

  We want to thank *** ***** ******* for contacting Check 'n Go regarding a credit dispute. We understand that there is some confusion with the terms and conditions of her loan. We completed an investigation into the matter and advise the case has been opened and forwarded to the appropriate department. We ask for *** ********* patience while the concern is being reviewed. If necessary, we will reach out to *** ******* at the contact information provided to discuss this case.
  
  For any additional correspondence, please refer to the Case number **************.
  
  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of Check 'n Go
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

• Initial Complaint

  02/22/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I was contacted today 2/22/24 by a company with the phone number of ###-###-#### claiming that i owed this payday loan from 2018 yet the last time I took out any loan of that sort was 2014. I requested verification of the debt and they refused. I have nothing but a soft inquiry from them on my credit report yet they are requesting settlement and threatening civil action yet the debt is not verified and is well past the statute of limitations of 6 years here in *********. I want them to take my name out of their records and I want them to not be able to harass me. I want the hit from last year off my credit report. They have no right or reason.

  Business response

  02/29/2024

  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 there are no accounts in our system that match the personal information *** ******* provided within his complaint.  Although we can advise the calls he is receiving are likely fraudulent, unfortunately we cannot prevent him from receiving them in the future.
  
  We want to thank *** ******* for sharing this information, and we will certainly forward it over to our Fraud Team.

   

  Sincerely, 
  

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

• Initial Complaint

  12/04/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  i am not sure why i am receiving threatening calls to pay my debt. i understand it’s a debt however, the nature of the recording induced my anxiety that something severe was going on. turns out, that no, it was just a scare tactic to get me to speak w. a representative. as someone who has worked in debt collection, i’m pretty sure that’s illegal. and as someone who is on medication for anxiety & heart problems, this was RIDICULOUS to say the least secondly, why was there a need to run an inquiry on my transunion credit report?? this was done on 11/18/2023. was this to get contact information from me or what??

  Business response

  12/05/2023

  To Whom It May Concern: 
  
  We would like to thank Ms. ****** for contacting Check ‘n Go regarding the collection calls she has been receiving from someone claiming to be associated with Check 'n Go.  We completed an investigation into the matter and can confirm that there are no past or present loans in our system that belong to Ms. *******  We can also confirm that we have not contacted Ms. ****** regarding any debt or transaction, and that the phone calls she is receiving are likely fraudulent.

  Our records indicate there was an application submitted on 11/17/2023 in Ms. ******'s name.  This application is what has caused an inquiry to be added to Ms. ******'s credit report.  If Ms. ****** feels this application was a result of ID theft, we would encourage her to contact us directly at *************** and one of our friendly associates would be happy to assist her with submitting a Fraud/ID Theft claim.
  
  
  
  Sincerely, 
  

  Customer Advocacy Team 
  Corporate Offices of Check' n Go and Allied Cash Advance 
  **** *** ***** 
  *********** **** ********** 

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