Check N Go

[redacted] ,I apologize that you do not agree with our initial response and that you have continued to experience issuesI have reviewed the information available and offer this response:Company has conducted business in line with the signed contract established between this customer and this companyWhile this customer may not agree with these charges, we would be happy to provide a copy of the signed contract and an itemized list of payments to clear up any misunderstandingsThese documents provide proof of an agreement between company and customer, and company has acted entirely within the confines of the contract agreed upon by both partiesCompany is unwilling to provide financial appeasement for this matterI apologize that this does not meet customer's expectations for a resolution.Regards,Corwin B [redacted] Customer Service

Hello,Company will start by denying allegations that the loan products provided are somehow targeting working class people to "take advantage of them" in any wayThe loan agreement was provided to this customer prior to the customer agreeing to the termsThe loan agreement has been executed directly in line with expectations of the signed loan agreement.Customer claims that he was unable to read the agreement on his phoneCustomer did not have to enter into the agreement without knowing the termsThe esigned documents are verification that the loan terms are understood and agreed to.Company will not take remedial action in this case, and expects the customer to follow the loan agreement just as we have by providing the funds.Regards,Customer Service

Hello, Your debt of $was sold to [redacted] on 9/30/Company's debt sale agreement contains a provision that the buyer of the debt conduct all collection activities in accordance with the Fair Debt Collection Practices Act, just as we would doIt is our written policy that we adhere to the FDCPA and we have strict consequences for failure to follow these policies, up to and including termination of any employee who may violate the sameAs a result of the complete sale of this debt, Company is no longer in a position to negotiate repayment arrangements or make settlement offersDuring the time that Company is in possession of the debts and all rights associated with collecting the debt, we negotiate in good faith to make repayment arrangements and comply with the FDCPA If you believe you are being contacted under fraudulent pretenses you will need to contact your local law enforcement agency to resolve this complaintYou are not being contacted by Check 'n Go or anyone affiliated with Check 'n GoCompany has no record of any payments, payment arrangements or anything regarding this loan agreement or debt after the sold date.Regards,Customer Service

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, [redacted] ***

Check N Go Representatives have not done anything in regards to my complaint about not being able to make a payment back in JulyThe lady working at the Store said she could not take a payment over the phone andreferred me to Corporate to make some payment arrangement before the account was going to get sold to a Third Party Collection agency Sometime towards the end of July, sorry I don't have more details, but once the month was about over, I tried to reach [redacted] ***, one of the Managers and could not get a hold of him by phoneI could not get a hold ofany live person through two numbers, one that the Store Associate or Manager gave me and one that was from someone calling me about being behind on my loanAnyways, I continued to fail to get a hold of someone but somehow, through the automated system, I found some paying system or "Over the Phone Bill Pay" service, whatever they call that serviceAfter the Machine mentioned that Paying service, it just kept saying that it is down.I guess it is still a mystery as to why I could not just pay over the phone but I did have the funds back then to at least pay some of the balance I am really frustrated and you Check N Go people have not done anything helpful in regards to the situationI would like to either talk or get an email back from Mr [redacted] within the next week, otherwise I am seekingmediationIf you guys are not willing to go through Mediation, it is very likely that I am going to sueI don't think either me or a Manager of Check N Go would like the inconvenience of a lawsuit or trial By the way, how come you guys told Revdex.com that you couldn't find my account but just recently, you found it and know exactly how much I owe, when the loan was taken out and last time I paid?

Hello,In your complaint you admit to being contacted by our District Director who advised you that you are welcome to come back to the storeThis was not a "random call", but instead our attempt at remediation through contacting you directly.As for your desire to return to the store, I cannot tell you that you should or should not want to come backYou are welcome to come back if you choose to utilize our services.In regards to the denial that was sent to you, a technical error occurred where customer's who use our check cashing services were sent the denial letters in errorThis is merely a technical error and can be disregarded as suchThis letter has no impact on any of your financial metrics, and it does not impact your ability to apply for a loan with Check 'n Go should the need ariseThis should address all of your concernsIf you have further questions please feel free to contact the store directly.Regards,Customer Service

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, [redacted] There is something wrong hereI was not even on a computer Saturday when this took placeNo one is going to fake a loan in my name when it goes to my bank account and they have no access to that bank accountThis is definitely a system error on Check and Go endI would love an investigation to find how they did thisI never signed any electronic documentsAgain I was not even on a computer SaturdayThis response is unacceptable

This email was sent in errorI have contacted our collections department and no other future contact will be madeWe apologize for the confusion

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below.Please see at attached letterThis company sent me this letter stating that I had until the 30th of September in order to pay down my debt 35%But on the 29th, which is days later they submitted a check to my bank for the full amountMy bank paid it and charged me I called and spoke with a [redacted] who said that the letters are not real and that they don't mean anythingLast week a [redacted] called me and said my payment was still outstanding and that they had not received money from my bankI explained that this was impossible because you always send me receipts of payment within two business days so how is it that three weeks later you don't see my paymentHe said that a third party collected the money and has not given it to themI said well why would you have a third party collect money BEFORE the date that you gave me to pay? He then stated that he would note my account that they did not honor their letter and after the payment clears he would see about a refund of my Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below.Attached Please documents that support I have paid of Checkngo completely.My loan was for a total of payments@ and the 24th at My 8th payment (Nov 11th) was not madeI was contacted by Checkngo collections and was advise I could split that missing payments into so as to not burden me financially since my set payments of still need to go through as scheduledThat missing payment was split into to and made on 4/15/$& 4/29/$Both payments were successful along with all other remaining payments I have also attached email from checkingA reminder that my LAST payment of $was due on June which was also successfulIf I owed them anything why would they send me an emailing clearly stating that was my LAST paymentAlso I have contacted the 3rd party collections company and they are not able to help meThey don't have ANY information other than what checkngo has stated and that would be that I owe them moneyThey have NO details on my accountThey said they would have to contact Checkngo for itemized statement which I have requested several times from checkngo and have been told by them they are unable to provide Regards, [redacted]

To Whom It May Concern, Thank you for the comments you submitted through the Revdex.com's websiteWe are always looking to better our services, so feedback like yours is important to us Check'nGo deeply values its customers and regrets that [redacted] feels the need to make a complaint Customer satisfaction is of the utmost importance to Check’nGo, and we would like to take this opportunity to address the claim Check’nGo customers are provided a contract, more commonly known as a REGZ, which contains the repayment schedule for the loan In this case, multiple payments were missed causing the customer’s repayment to last longer than the original scheduled agreement If the customer has any questions regarding the missed payments, she can contact our store for additional information Typically, all that is required to resolve any errors would be to provide a receipt or bank statement showing that the ”missed payments” were actually paid If the customer has any additional questions, we would suggest that she contact Check’nGo at 803-407-Thank you,Douglas C***Customer Advocacy Manager

Reason why I rejected it because, this has been going for a whileI keep disputing it from my credit report they keep coming back with current information now that I show them proofI don't believe they with update this information

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter.] It should not take days to remove my name and informationI also think no businesses should be asking for social security numbers unless an application for money or a credit card has been applied for! I never gave my consent for these advertisements and no one should have to give out even more personal information IOrder to make them stopWhy do they need my social security number for any ways? I am in fear for the safety of the public especially the elderly and disabled people who are not going to understand what happens if they give this information out RegardsI still am in fear that the company is using this information for fraudulent activities! [redacted] ***

Your information has been shared with our marketing team to opt you out of any future marketingWe apologize that you felt like the information being requested was too much for the purposes of opting out of marketingPlease allow days for the opt out to take full effectRegards,Customer Service

Hello,We have investigated this complaint and we are unable to find any information that would indicate that you have an outstanding balance with our organization based on what information you providedBased on this, company believes this may be an attempt at fraud from an unrelated 3rd partyIf the collection attempts continue please provide their information to local law enforcement who will provide information on proceeding in this matter.Regards,Customer Service

Hello, Fees applied to your account were done so within the lines of the signed loan agreementIt was applied to your account after the amount due was not paid on the agreed dateThis fee is a direct result of your failure to pay the account as agreed when you obtained the fundsThese fees would be applied to any account that failed to pay on the due date and had a check returned by their bank for insufficient fundsRegardless of calls, the signed loan agreement outlines in what situation fees are applied and in what amountsYou have had this loan agreement from the origination date of the loan agreement and acknowledged understanding of the terms within at the time of signingYou are required to pay the fees associated with this transaction for the account to be closed and considered in good standingRegards, Customer Service

Hello,First and foremost, company would never place money into an individual's account without an electronically signed loan agreementTo claim that this was placed in your account as an attempt to force you fees is fallaciousCheck 'n Go is a business that complies with all state and federal regulations for providing loan agreementsThe loan was rescinded and the funds were taken back from your accountThe application was sent to our internal fraud investigators to determine the source of the applicationThis individual has no obligation to company and no further action is required.Regards,Customer Service

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter.]Nothing was resolved Regards, [redacted] ***

Dear [redacted] ***,Thank you for contacting Check 'n GoWe are writing in response to your ID Theft claim filed through the Revdex.com.Our records indicate our Fraud Investigators previously attempted to obtain certain documentation from you to confirm the account opened in your name was fraudulentTo date, Company has not received any of the required documents and unfortunately, aren't able to fully investigate your case.Please visit our website www.teamupagainstfraud.com to file a fraud tip line reportThis will alert our Fraud Investigators to reopen your case and investigate your claimTo expedite this process, I have included an ID Theft affidavit, which needs to be completed in its entirety and returned via mailWe also require a copy of a valid ID and a police report filed with your local authoritiesThe address to return these items is as follows:Axcess FinancialATTN: Risk ServicesMontgomery Road, Suite 400Cincinnati, OH 45236Questions and concerns regarding this process may be directed to our hotline 1-877-727-WARN (9276)Once all documentation is received and our investigation complete, Company can notify our Collections Department to cease collection calls and activityIn the interim, if an agency other than Check 'n Go is contacting you, in an attempt to collect a debt, you have the right as a consumer to submit a verbal or written cease and desist order with the agency prohibiting further collection calls.Sincerely,Nei B***Customer Complaints

When the guy called me before the 8th, he said that the check will be mailed on the 8th of March and when I called back they said now it was going to be on the 15th, so the dates changed