ComplaintsforAxcess Financial Services

• Initial Complaint

  06/14/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I have researched this account without any resolution, I have sent a verification of debt without a response. I contacted check n go and the represenative said their are no records of this loan or account. In addition, I went to the location this loan was apparently taken out to get documentation but there isnt a check n go, it is a smoke shop. I have not recieved a validation of debt from this company. I am seeking for this to be removed from my credit report.

  Business response

  06/16/2023

  To Whom It May Concern: 
  
  We want to thank *** **** for contacting Check ‘n Go regarding her request for validation of debt documentation.  Her request was forwarded to the appropriate department who will gather the requested information.  The documentation will be sent to the physical address *** **** provided in her complaint.  She should receive the documentation she requested within 30-45 days.  If she has any additional questions or concerns, she can contact our Customer Support Team at ###-###-#### and one of our agents will be happy to assist her.
  
  
  Thank you.
  Customer Advocacy Department, Check ‘n Go.

  Customer response

  06/16/2023

  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

  04/25/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I never took a loan out with y’all and it says on my credit report I did for 915 dollars I’ve never took that out so I need it taken off

  Business response

  05/01/2023

  To Whom it May Concern,

  We would like to thank ****** for contacting Check ‘n Go. We have completed a preliminary investigation and can advise that the matter has been referred to our Fraud team for further review. Once the Fraud team has completed their investigation, they will notify the customer of their results; either by letter or email. If the Fraud Analyst assigned to their case needs additional information, they will reach out to the customer directly. If the case is confirmed for fraud, Check ‘n Go will work with them to remove any information on their credit file associated with the matter. 
  
  If ****** would like to contact the Fraud Department directly, they may call ************ and one of our associates will be able to assist with any questions or concerns. 
  
  Thank you,
  -Customer Advocacy
  
  
  Customer Advocacy Team
  Corporate Offices of Check ‘n Go
  **** *** *****
  Cincinnati, Ohio 45236-0454

• Initial Complaint

  01/02/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have provided the LAWS and definitions to educate any person of my legal rights in the United States of America. Under federal law, you have thirty (30) DAYS TO COMPLETE YOUR RE-INVESTIGATION. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen (15) days of the completion of your re-investigation.

  Business response

  01/04/2023

  To Whom It May Concern: 
  

  We want to thank *** ******* ****** for contacting Check ‘n Go regarding her credit report. We completed an investigation into the matter and advise *** ******** complaint has been forwarded to the appropriate department. We ask for *** ******** patience while her concern is being reviewed. If necessary, we will reach out to her 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 Check' n Go and Allied Cash Advance 
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

• Initial Complaint

  11/21/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I contacted ********** for an anomaly on my credit report. It says I took out loans through Axcess Financial in *****. I’ve never taken out a loan in my lifetime and I live in California. I had ********** lock my credit report and contact Axcess Financial. Axcess Financial sent me a letter saying that they verified my identity by sending a one-time passcode to a random number some random number that submitted the loan application. How are they allowed to run this this fraudulent process without thorough verification?

  Business response

  11/21/2022

  To Whom It May Concern: 
  

  We want to thank *** ******** ******* for contacting Check ‘n Go regarding ID Theft. We have completed a preliminary investigation and advise that the matter has been referred to our Fraud team for further review. 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 the case needs additional information, they will reach out to *** Emmanuel. If the case is confirmed for fraud, Check ‘n Go will work with him to remove any information on his credit file associated with the matter. 
  
  If you'd like to contact the Fraud Department directly, you may call ###-###-#### and one of our associates will be able to assist you. 
  
  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of Check' n Go and Allied Cash Advance 
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

• Initial Complaint

  10/14/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  March 2022 I stopped in at the Check-N-Go in Oak Park MI. They offered me a loan of $1500 to be paid over 18 months. The loan was from Xact/Capital Community Bank /Axcess Financial, which I never heard of. Recently, it was brought to my attention by my spouse, I have been paying $112.86 through bank EFT/ARCH payments every two weeks and my loan of $1500 should almost be paid in full. First we called Check N Go and they no longer do business with Xact. We called the company Xact to confirm the loan is almost paid since we were over $1300 in payments. To our surprise they said "No, you still owe over $1300". We have made 14 payments of $112.86, totaling $1580.04, from March 1, 2022 through September 30, 2022. I had them send the contract via email and for which we found out I was frauded and enticed into a scam loan. I have learned that the $1500 loan comes with a finance charge of $2,675.54 and at the end of the 18months we will have paid $4,175.54. This is referred to as a Rent-A-Bank Scheme. I have been frauded by Capital Community Bank in there tactics to circumvent state Usury Laws and this violates Michigan Usury Law for a loan, with an interest cap of 43% and I am being charged 168% which is a felony by Michigan Law. Xact/Capital Community Bank /Axcess Financial is under the Watch Dog List by the National Consumer Law Center and has been sued for there financial predatory practices. I want my loan contract to be cancelled and my balance to say "paid-in-full" immediately. They are to not contact me further. Debt is settled and they received their $1500 paid-in-full.

  Business response

  10/17/2022

  Dear **** *******:
  
  Thank you for your correspondence regarding the Xact Loan terms and conditions. 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 your complaint and appreciate the opportunity to investigate the matter and provide a response.
  
  During our investigation we reviewed all documents, notes, and recorded phone conversations pertaining to your complaint. We found that you signed an Installment Loan Agreement with CCBank on 2/25/2022 for $1,500.00 with a finance charge of $2,675.54, for a total due of $4,175.54. The Installment Loan Agreement contained the Annual Percentage Rate of 167.77% along with the Finance Charge, Amount Financed, Total of Payments, and an 18-month Payment Schedule. Your complaint references the applicability of a Michigan law which limits charges on certain loans to about 43%. That law does not apply to the Xact loan since Xact loans are not offered pursuant to a Michigan Financing Law license. CCBank’s Xact Loan was designed to provide consumers, with little or poor credit histories, an opportunity to solve short-term financial needs and was created with the intent of providing consumers with a tool to build or establish their credit history, if properly managed.
  
  We acknowledge your request that further contact with you cease. Accordingly, your account has been updated to reflect a do not contact status. Please be aware this does not relieve your responsibilities under your agreement.
  
  We concluded that you were aware of, and subsequently approved the terms and conditions of the installment loan. We respectfully decline your request to forgive the remaining balance on your loan. Please be advised that CCBank is governed by both federal banking laws and the laws of the State of Utah and there is no limitation imposed on the interest rates associated with your loan.
  
  We trust this information is responsive to your request.
  
  Thank you,
  
  Xact Loan Customer Advocacy Department
  **** ********** **** ***** ***
  Cincinnati, Ohio, 45236
  ***** ******** ********************  

  Customer response

  10/17/2022

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

  Business response

  10/18/2022

  Thank you for your correspondence regarding the Xact Loan terms and conditions. We've received your rejection; however, no details were provided. We continue to support that our previous submission is responsive to your request.
  
  Thank you,
  
  Xact Loan Customer Advocacy Department
  7*** ********** **** ***** ***
  Cincinnati, Ohio, 45236
  ***** ********
  ********************  

  
  

• Initial Complaint

  10/01/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I called the offices of access financial on September 21st and spoke with a representative that advised me that an agent will be returning my call. She informed me that further investigation questions will be asked concerning my fraud concerns. I have yet to receive a call from rose, the intended agent that was supposed to work my case. This company has fully lied to me and I never received any phone calls or emails. I have been severely defrauded out of my money and this company hasn’t taken one step into asking me any questions or providing a resolution. I have their number and have yet to speak with anyone. This company should be shut down and not in business. They have ruined my life and credit, I sent an email to providing all the necessary documents to validate my claim. I sent my ID showing that I reside in **, making me ineligible to even receive their loan products, police report filed concerning my ID Theft. I also sent them my credit report showing that there’s been an obvious fraud alert placed on my file, which they clearly ignored. Whenever there’s an extended fraud alert on a credit report, it warrants the company to do extra verification before disbursing funds.

  Business response

  10/04/2022

  To Whom It May Concern,
  
  We would like to thank you for providing us with this feedback and we appreciate the opportunity to respond. We have completed a preliminary investigation and advise that the matter has been referred to our Fraud team for further review. Once the Fraud team has completed their investigation, they will notify you of their results; either by letter or email. If the Fraud Analyst assigned to your case needs additional information, they will reach out to you. If the case is confirmed for fraud, Check ‘n Go will work with you to remove any information on your credit file associated with the matter.
  
  Thank you,
  
  Customer Advocacy Team
  Corporate Offices of Check ‘n Go and Allied Cash Advance
  P.O. Box 36454
  Cincinnati, Ohio 45236-0454
  Phone: ###-###-####
  Website: www.checkngo.com/contact
  
  

• Initial Complaint

  09/18/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have told the company on numerous occasions that I am a victim of fraud and I have no business with this company. I need them to remove these inquiries off of my credit and delete the fake profiles that they have of me in their database. They have been harassing me and disturbing me about a loan. All police reports and credit reports have been sent to them already.

  Business response

  09/19/2022

  To Whom It May Concern: 
  

  We want to thank *** ****** ***** for contacting Check ‘n Go regarding ID Theft. The Company has investigated this complaint and offers the following explanation: we have completed a preliminary investigation and 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, the fraud analyst assigned to the case will reach out to *** ***** to discuss the details of the investigation. If the case is confirmed for fraud, Check ‘n Go will work with *** ***** to remove any information on his credit file associated with matter.  
  
  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of Check' n Go and Allied Cash Advance 
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

  Customer response

  09/20/2022

  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 see that you refer to me as a sir, while I’m a woman, which goes to further validate how my identity has been stolen.

  My phone number was hacked 2 months ago, and I have since changed that.

  you claim that a device of mines was used to login to the platform, while I’ve clearly mentioned that my laptop and phones have all been replaced. 

   

  
  
  Regards,
  
  ****** *****
  

  Business response

  09/28/2022

  To Whom It May Concern: 
  

  We want to thank *** ****** ***** for contacting Check ‘n Go regarding ID Theft. The Company has investigated this complaint and offers the following explanation; The loan in question has been reviewed by the company’s Fraud department and has been determined to be accurate and not a result of ID Theft. The Fraud department notes that no fraud indicators were found. The consumer information provided in this complaint matches the company’s records for the loan. The company respectfully declines the request to have the credit file removed as it has been determined to be accurately reported.

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

• Initial Complaint

  08/17/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I applied for a personal loan on 08/15/2022. I was approved and received the attached loan agreement via DocuSign for signatures. I signed the loan agreement and provided my banking information for the loan deposit and to be used for repayment for the loan. I did not receive the loan proceeds. When I called to check the status, I was advised the loan was cancelled because there was a problem with my bank account. I asked for written verification the loan was cancelled. I was told that they can not provide written verification that the loan was cancelled.

• Initial Complaint

  08/03/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with AXCSSFN/CNCO and do not have an account with AXCSSFN/CNGO. They did not provide the original application like I asked.

• Initial Complaint

  07/19/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have asked for AXCESS FINANCIAL ACT#******** that has falsely reported information on my credit file to validate debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. These accounts are inaccurate under 15 U.S.C. 1692g validation of debt. They have been reporting inaccurate and incomplete account information to my credit file. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code § 1692k - Civil liability. I am maintaining a careful record of my communications with you for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, ****** v. ***** ***** ****., No. 95-6445 (C.D.Cal. Nov. 14,1995), they may be liable for your willful non-compliance. Also, in Fisher v. ******* Information Services LLC (D. Ariz. 2018), they may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. This is a Debt buyer. As this debt buyer is not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as it’s a viol

  Business response

  07/19/2022

  To Whom It May Concern: 
  

  We want to thank Mr. Jonas Jones for contacting Check ‘n Go regarding his previous loan. We understand that there is some confusion with the terms and conditions of his loan. We completed an investigation into the matter and advise *** *****' case has been opened and forwarded to the appropriate department. We ask for his 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 at the top of this email.
  
  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. ↩