ComplaintsforAxcess Financial Services

• 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 
  **** *** ***** 
  *********** **** ********** 

• Initial Complaint

  11/17/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I received an email from experian stating that my credit file had been updated. And that ************ got a copy of my Transunion Credit Report. I have not requested anything that would warrant this action. My credit file has been locked by me for quite some time. There shouldn't have been any inquiry. How can this kind of action be stopped? I have uploaded the notification for your review. Thank you

  Business response

  11/28/2023

   

  November 24, 2023
  

  Ref. *** *********
  

  Re: ***** ******; Better Business Bureau
  

  To Whom it May Concern,
  

  Thank you for the correspondence regarding your Xact Loan. The Xact Loan is an installment loan originated and funded by Capital Community Bank (“CCBank”), a Utah 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.

  Our Fraud Team investigated Ms. ******** claim and found that the application submitted in her name contained indicators of fraudulent activity.  We would like to advise that the application was flagged prior to being originated and was successfully canceled. 
  A confirmation letter was drafted by our Fraud Team and was sent to the physical address included within Ms. ******** complaint.  This letter details the findings and resolution of the investigation and confirms that there are currently no open loans or applications in her name.  She should receive this letter within the next 5-10 business days.

  If Ms. ****** has any additional questions or concerns, we would encourage her to contact customer support at ************** where one of our friendly agents will be able to assist her.
  
  Thank you,
  
  Xact Loan Customer Advocacy Department
  **** ********** **** ***** ***
  Cincinnati, Ohio, 45236
  ***** ********
  ********************

• Initial Complaint

  10/03/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for the debt with AXCSSFN/CNGO, I do not have a contract with AXCSSFN/CNGO. They did NOT provide me with the original contract with my wet signature as requested. Remove this item from my credit report immediately.

  Business response

  10/06/2023

  To Whom It May Concern: 
  
  We would like to thank Mr. ******* for contacting Check ‘n Go regarding his validation of debt request along with his cease and desist request.  

  We completed an investigation into the matter and found that Mr. ******* obtained an installment loan on 9/8/2017 in the amount of $5,000.00.  Our records indicate the loan defaulted and was sold to ******* ******* **********, LLC on 7/24/2018 with a balance of $4,493.99.  We can confirm that Mr. ******* previously requested validation of debt documentation from us and that it was provided to him on 5/12/2021.  We have attached the documentation to this response for him to review. 

  Or records also indicate Mr. ******* previously submitted a cease and desist request which was completed in our system on 4/25/2018.  We can confirm that his contact preferences have not changed since his initial request, and that his cease and desist request will continue to be honored. 

  We respectfully decline to remove negative information associated with this debt from Mr. ********* credit report, as the information has been determined to be lawfully and accurately reported to the credit bureaus.  If Mr. ******* has any additional questions or concerns, we would encourage him to contact ******* ******* **********, LLC directly at ************.  We 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 
  **** *** ***** 
  *********** **** ********** 

  Customer response

  10/11/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ** ********, and have determined that this does not resolve my complaint.  For your reference, reasons for rejection are included below.

   

  Alliant Capital Management, LLC is required to show me proof of the purchase between them and the original creditor along with any documents with my wet signature showing that I agreed to pay ******* ******* *********** *** anything. If the requested documents cannot be produced, please remove from my credit report as you are violating my FCRA rights. 
  
  Regards,
  
  ****** *******
  

• Initial Complaint

  09/20/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I was checking my credit report and noticed axcess financial for a total of 2100.00 dollars. That was borrowed. I did not apply for this.

  Business response

  09/22/2023

  To Whom It May Concern: 
  

  We want to thank *** ***** ****** for contacting Check 'n Go regarding her account. 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 her 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 

  Customer response

  09/22/2023

  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

  09/08/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  • Date of Trans: March 2018. • I paid the account in full: $1,100.00 (there were multiple previous loans, but the final amount was $1,100). • Nature of Dispute: I paid the account in full in March 2018. The ******** Office closed a year later, but I verified with the ********* ** location that the account was closed AND in good standing. The company is reporting the payment of $1, 110, but are also stating on my report that there was an additional balance left remaining (PLEASE SEE ATTACHED LETTER TO AXCSSFN/ CHECK ‘N GO. • The office where I conducted my transaction was the ********* ** location, which was shut-down in 2019.

  Business response

  09/11/2023

  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 found that *** ******* obtained an installment loan on 8/4/2017 in the amount of $2,505.00.  Our records indicate the loan defaulted and was sold to ******* ******* *********** *** on 7/2/2018 with a balance of $691.81.  For any questions or concerns, we encourage *** ******* to contact the Third-Party agency directly at ###-###-####. We would have no additional information as we are not the current owner of her debt and have not contacted her since the date of sale.  Although her account is closed in our collection system, her account will always remain in write-off status. This is a matter of Corporate policy. 
  
  Per *** ********* request, Validation of Debt documentation has been requested from the appropriate departments.  Once the documentation has been gathered, it will be sent to the physical address provided in her complaint. She should receive these documents within 30-45 business days.
  
  Sincerely, 

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

  Customer response

  09/11/2023

  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.  I have requested that Axcess FN send to me various documents as outlined in the initial complaint to the Better Business Bureau and Axcess FN (acquired from Check 'n Go.  As soon as I receive those documents, I can move forward to the/my next step(s).
  
  Regards,
  
  ********** *******
  

  Business response

  09/15/2023

  To Whom It May Concern:  
  
  We have previously acknowledged the customer’s concerns and have provided a detailed response. Our response advised the documents she has requested will be sent to her at her physical address once they have been gathered.  Unless 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

  08/30/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am writing to file a formal complaint against ************ for falsely reporting a negative account on my credit report, which is in violation of my rights under the Fair Credit Reporting Act (FCRA). This account has been identified as a result of identity theft, and I am invoking the provisions of ** *** *******, which mandates the blocking and deletion of such information from my credit report within four days of being notified. 1. Account Information: - Creditor: ************  - Account Number* ***** - Reporting Date: Nov 2018 - Nature of Account: Negative information resulting from identity theft 2. Violation of FCRA: ************ has inaccurately reported negative account information on my credit report, which I have identified as a result of identity theft. Under the FCRA's provisions, specifically ** *** *******, when a consumer provides proper documentation that an account is the result of identity theft, credit reporting agencies are obligated to block and subsequently delete such information from the credit report within four business days. I believe that my rights as a consumer have been infringed upon due to AXCSSFN/CNGO's non-compliance with federal law. I am seeking your assistance in resolving this matter promptly and effectively. Thank you for your attention to this complaint. I look forward to your intervention in ensuring that ************ rectifies this issue in accordance with the law.

  Business response

  09/05/2023

  To Whom It May Concern: 
  
  We would like to thank Ms. ******* for contacting Check ‘n Go regarding her previous loans and concerns associated with her credit report.  We completed an investigation into the matter and found that Ms. ******* obtained an installment loan on 11/8/2017 in the amount of $3,000.00.  Our records indicate that loan defaulted and was sold to National Management Recovery Corporation on 6/12/2018 with a balance of $4118.74.  There was an initial fraud investigation performed on 8/16/2023 where the loan was determined to be fraud.  When requesting account information from National Management Recovery Corporation we were informed that Ms. ******* had entered into a settlement agreement with them on 5/19/2023 and paid $2,059.37 to settle her debt.  As a result of uncovering this new information, our fraud team denied Ms. *******'s claim that her loan was originated as a result of fraudulent activity.  With the fraud claim being denied, we respectfully decline to remove any information from Ms. *******'s credit profile associated with this loan- as all information is accurately reported.
  
  
  
  Sincerely, 
  

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

• Initial Complaint

  08/19/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Axcess Financial Services I have never heard of this compamy send them certified letter to verify account and yet they're still reporting this negative info on my credit report. Please investigate for me.

  Business response

  08/21/2023

  To Whom It May Concern: 
  

  We would like to thank *** ******* for contacting Check ‘n Go regarding his concerns associated with his credit report.  We completed an investigation into the matter and found that *** ******* obtained an installment loan on 8/6/2016 in the amount of $2,550.00.  Our records indicate the loan defaulted and was sold to ****** ***** *********** *** on 04/04/2017 with a balance of $3,266.28.  For any questions or concerns we would encourage *** ******* to contact the Third-Party agency directly at ###-###-####. We would have no additional information as we are not the current owner of his debt and have not contacted him since the date of sale.  Although his account is closed in our collection system, his account will always remain in write-off status. This is a matter of Corporate policy.

  Regarding *** ********* request for validation of debt documentation, we have initiated the process on his behalf and will ensure those documents are sent to him once they have been gathered.  He should receive them at the physical address we have on file, and should receive them within the next 30-45 business days.

  
  
  Sincerely, 
  

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

• Initial Complaint

  08/18/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  A personal loan was taken out in my name by ************ on 4/28/17 according to my credit report. When I called in 2017 for information about account I was told it was opened in ********** during the time I was living in *** **********. I had never applied or opened any personal loan in my life during this time.(after 2022 was when I first applied for a personal loan). I was never provided verification letter. I regretfully did not follow up with this fraud on my account due to lack of knowledge in the process. Now as I am older and more informed and understand the importance of credit I am trying to work on my credit. This was fraud and I am unable to contact business because phone # that appears on credit report is not valid. I need assistance with getting this resolved and removed off my credit report.

  Business response

  08/25/2023

  To Whom It May Concern: 
  
  We would like to thank *** ***** for contacting Check ‘n Go. Her case has been opened and forwarded to the Fraud Team for further investigation. We ask for her patience while her concern is being reviewed. When the investigation has been completed we will reach out to her at the contact information provided to discuss her case.
  
  Thank you,
  -Customer Advocacy
  
  
  Customer Advocacy Team
  Corporate Offices of Check ‘n Go
  P.O. Box 36454
  Cincinnati, Ohio 45236-0454

• Initial Complaint

  06/24/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with Axcess Financial Services I do not have a contract with Check NGo/*** they did not provide me with the original contract as I requested.

  Business response

  06/26/2023

  To Whom It May Concern:
  
  We would like to thank *** ******* for contacting Check ‘n Go regarding his account and request for Verification of Debt documentation.  After completing an investigation into the matter, we can confirm that a Verification of Debt request has been initiated internally.  Once the documentation has been gathered, it will be sent to the physical address *** ******* provided within his complaint.  He should expect to receive these documents within 30-45 days.
  
  
  
  Sincerely,
  
  Customer Advocacy Team
  Corporate Offices of Check ‘n Go
  P.O. Box 36454
  Cincinnati, Ohio 45236-0454

• Initial Complaint

  06/24/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with Axcssfnn/cngo. I do not have a contract with ********** debt holdings they did not provide me with original contract as i requested.

  Business response

  06/26/2023

  To Whom It May Concern:
  
  We would like to thank *** ******** for contacting Check ‘n Go regarding his previous account and his request for Verification of Debt documentation.  Per his request, Verification of Debt documentation has been initiated and will be sent to the physical address *** ******** provided within his complaint.  He should receive the documents within 30-45 days.  If he has any additional questions or concerns 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
  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. ↩