Check N Go

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11308888, 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]

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.  If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply.  Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

I rejected it because I didn't kno that Check and Go will have a negative impact on my credit for a "settlement agreement " after all it should be positive on my credit and remove the "failed to pay" since September to October 2016. I want a positive report on my credit

Dear [redacted],
Thank you
for contacting Check ‘n GoWe are in receipt of your complaint filed with the
Revdex.com
Company apologizes for the recent encounter you experienced
during the online loan process
We have
reviewed the details surrounding your
complaint and confirmed
that according to Kansas state laws, the loan you accepted can only be extended
out to a maximum of days from the date the loan originates
You e-signed your loan application on
6/26/15; therefore, the due date was calculated correctly according to state
laws making your loan due on 7/26/Since protocol was followed, company is
unable to waiver from policy and render a more favorable determination in this
case
Regards,
Customer Complaints

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

Hello,This customer entered into a loan agreement on 11/16/2015. This was a rollover transaction from a previous loan agreement. The amount that was required to be paid at that time was returned by this customer's bank. At that time, this account was moved into our customer care department to...

collect the balance.That being said, I have researched and I do not see this account as being sold. If [redacted] is collecting in Check 'n Go's name, you should request a validation of debt.[redacted] Financial denies all allegations of selling anyone's information without permission. Regards,Corwin B.

I was not informed by anyone about the late fees till after my account was paid in full. Then I got an email informing me of the late fee, which is how I was informed about it. Nobody called me like they claimed they did.

I would like for my son to be able to apply for a loan. Which she was applying for a loan so he can move into his own place. He has been receive in Social Security for over 10 years and now he's being accused fraud....

And the young lady said that she was going to put him in the system so he would never be able to get a loan I tried to contact Check n Go three times they have failed to respond. I explain to them if anything is in the computer for my son being accused of fraud I will seek a lawyer. He is a child that is disabled and is basically just trying to be independent. Just want him to be able to apply for a loan. The right way instead of just looking at a piece of paper and accusing him of fraud when they have no proof

Hello,I have reviewed your complaint and account and have found that the account was sold to [redacted] on 10/5/2017. They can be reached at [redacted]. You called in on 10/6 and spoke to a supervisor in our customer service department who sent out a letter outlining the payments made and...

the amounts that were sold to [redacted]. Unfortunately, nobody in our office would be able to provide additional information and you will need to contact [redacted] for any additional details.Regards,Customer Service

I have paid 3500 dollars on a 1000 dollar loan with no end in site. They have no corporate office to discuss the matter with and They keep changing the terms of the loan.I would like to complete this contract with no further payments. This is predatory lendinding and I believe that the contract is paid in fullRevdex.com spoke with consumer, and she provided the following response:We are paid up, this contract was supposed to end in November, if there were any late fees they were already paid in January. If they have something that needs to be paid, they need to be clear. Attached is the ledger. They said there is a late fee for several missed payments, there was only one missed payment. If there is any trouble, we can go to court.

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.   I did not receive any calls from anyone to discuss this matter. They could have worked with me and made a payment plan of some kind since I called in with time to do that. What you did was run the payment and my bank account is currently overdrawn and I'll be charged $35.00 per day. 
Regards,
[redacted]

Hello,There is no further resolution required. You asked if this would impact your credit: it will not impact your credit. You asked that two payments are scheduled for this to be automatically withdrawn: this has been set up as requested. The records we have show the times you were contacted by our district director in regards to the complaint you filed with the corporate office through our website. If you require additional information you need to obtain this at the store that services your loan. If there is something that I'm not understanding please elaborate on how I can better assist you. Based on the contact records provided by our field staff and the complaints you have filed there does not appear to be anything else you would need.Regards,Customer Service

Hello,As per our previous response, we are unable to find anything that would lead us to believe that there is anything other than a misunderstanding at work here. On 8/23/2016 you called in to our online operations and spoke to a supervisor who explained that the amount you were approved for changed, and that you esigned for a loan agreement in the amount you received. The explanation provided to you by this supervisor is in line with the review.Regards,Customer Service

Company is unable to locate this customer in our system with the information provided. If this customer would like to reach out to me at [redacted] I can obtain additional information and potentially locate their account.Regards,Customer Service

I want to know if the business will accept a small payment to stop the collections process. But since the business has told me that they can not find account, and wonder how this can be arranged?

Dear [redacted],Thank you for contacting Check 'n Go. A review of your loan transaction history reveals your payment on 12/20/14, that was due on 12/19/14, was returned by your bank on 12/27/14 as non-sufficient. As a result, a Return Payment Fee in the amount of $25 was charged. The payment due on...

12/19/14 was not successfully collected until 1/21/15. Additionally, several payments made after that date were delinquent and remained so throughout the remaining term of the loan. Both a copy of your loan agreement and transaction history have been included for your review.According to the section of your signed Installment Loan Agreement titled, PROMISE TO PAY, is states, " . . . You must pay each installment on its due date. We apply payments first to interest (accrued as of the date the payment is received), then to principal (due as of the date the payment is received), and then to any other charges you owe us." The balance of $239.07 reflects the principal that remains on your loan.After investigating your complaint, it's been determined the balance due has been calculated accurately and Company is unfortunately not able to waiver from your binding loan agreement and report the account paid in full or in good-standing.Regards,Nei B[redacted]Customer Complaints

Hello,After reviewing your account, it appears you borrowed $2235.00 on 6/20/2016. When these funds were borrowed, you signed a loan agreement that outlined the payments required of you in order to borrow those funds. This outlined the amount you borrowed and the total amount you would pay back as...

part of the agreement.As of today, you have made 3 payments totaling $614.91. These payments do not fulfill the expectations of the signed loan agreement. The payment schedule and amounts presented in the loan agreement are expected to be followed, just as the funds were provided to you in line with the agreement. If you have any further questions regarding your loan agreement please contact the store that services your loan.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. I have paid this loan off in full but I am still...

extremely disappointed at the lack of empathy and practices of this business. If they were not taking advantage of the working class they would discount their fees and interest if paid off before first payment. They are charging excessive fees and interest over 300% and deny taking advantage of people? They make it hard to review terms with their business model and I believe rely on that model to trap unsuspecting customers. What person would ever suspect that a $1525 would owe 1955.71 in less than two weeks. I am certainly not asking for free money but the fees should have been reasonable and the company should have made a reasonable and good customer service effort to resolve this matter fairly over this misunderstanding, but instead play hard ball and thus proving my complaint and their true intentions. If they are a legitmate caring business they should at least refund half the fees to me paid as a gesture of good will due to the issues and inability to properly read the terms and conditions. [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards,
[redacted]

Hello,Our company has a process for any claims of ID theft that must be followed before we can take action and declare the account is fraudulent. This process includes working with the ID Theft team to provide the required documentation. An email was sent to you on 11/22/2016 outlining what is required to move forward. Unfortunately, the documents you have provided with this complaint are insufficient to determine if ID Theft has occurred for this loan agreement.In order to continue the investigation and potentially declare this account fraud, you will need to complete the documentation outlined in the email sent to you on 11/22/2016. If we determine that ID Theft has occurred, company will take action to make the necessary updates with the credit bureaus. Please find the information from the email below.Regards,[redacted]Hello,  I am emailing in response to the account that was opened with your personal information. Check 'n Go places a high priority on protecting its customers’ information.  In order to assist victims or law enforcement agencies with investigations of identity theft, Check 'n Go requires that alleged victims provide a complete ID Theft Affidavit signed by a witness (including a police report), which is attached for your convenience and a written request for any copies of transactional documents (e.g. credit agreement).  The enclosed affidavit was developed by a group of credit grantors, consumer advocates, and attorneys at the Federal Trade Commission and is designed to help both law enforcement and financial institutions in their investigations.  Further, by utilizing this affidavit Check 'n Go can be assured that information is released only to authorized individuals. Please return the completed and witnessed affidavit along with your police report and a copy of your Government ID to the following address and/or email address: Check 'n GoAttn: Risk Services[redacted] or [redacted]Thank you,[redacted]Online Fraud Analyst[redacted]Axcess Financial[redacted]
[redacted]

Dear [redacted],Thank you for contacting Check 'n Go. We 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...

fraudulent. To 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 report. This will alert our Fraud Investigators to reopen your case and investigate your claim. To expedite this process, I have included an ID Theft affidavit, which needs to be completed in its entirety and returned via mail. We also require a copy of a valid ID and a police report filed with your local authorities. The address to return these items is as follows:Axcess FinancialATTN: Risk Services7755 Montgomery 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 activity. In 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[redacted]Customer Complaints