Check N Go

Review: Funds were processed via bank debit, unauthorized in the amounts of $128.37 on January 17, 2015 and $332.11 on January 29th, 2015.Desired Settlement: request funds be deposited back into bank account

Business

Response:

Hello,

Company is unable to locate this customer using the information provided. If this person is able to contact me directly at [redacted] to provide more information we will continue to investigate the complaint.

Customer Service

Consumer

Response:

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.

Revdex.com has Called consumer as he email was returned and spoke with consumer. She states that she does not really know her email address. Advised her of the business response. She will contact the business.Regards,[redacted]

Business

Response:

Hello,I spoke with Ms. [redacted] and found that the original transaction had been deposited into her account. We are providing Ms. [redacted] a wire transfer of funds that equal the difference between the deposit and the withdraw with fees, which would be $45.00. This is being transmitted today, 2/6. Please let me know if any additional information is required.Regards,[redacted]

Review: This is a collections company for Check-n-Go. They have been harassing me by calling me since 12/18/12. They called my number and asked to speak to a [redacted]. I explained to the associate she had the wrong number. Hours later, this company called me back, and I explained to [redacted], a supervisor, that they had the wrong phone number and person, and asked that it be corrected in their sysyem. I requested that they stop calling me. [redacted], was extremely rude, and told me that it was verified that they had the right person and phone number. He refused to correct this in their calling system. To date, I am still getting a minimum of 2 phone calls a day from them, during the week. Some messages have been left where I can overhear other associates making calls.Desired Settlement: I want the harassing phone calls to CEASE. I want this documented on their business practices. I also want a written apology from this company. I have filed complaints with the FCC and the FTC. Yet, I'm still being harassed. My next recourse will be via the Attorney General's office.

Business

Response:

Ms. [redacted]

Thank you for contacting Check ‘n Go.

Review: The week of 12/8/13, I started contacting Check N Go in regard to a pay-off balance , my loan balance, the amount that I had paid so far and about paying the loan off early. After numerous calls, I was told that I had paid $ 2,593.17 on a $ 2,000.00 taken out on 8/11/13. I was also told that I owed $ 2,419.96, then I sent emails asking an explanation. I also told them that I could NOT afford to pay over $5,000.00 for $ 2,000 loan. I asked them if I could pay a smaller amount to pay-off the loan since I have already paid more than I owed. No response was given. So, I told my bank to stop taking $ 309.43 out my account. They next sent me a bill for almost $ 700.00.

In other words, they are acting like Loan Sharks and trying to get probably 5 times the actual loan value.Desired Settlement: I would like them to STOP CALLING ME SEVERAL TIMES A DAY - TELLING ME TO PAT THEM!!

I would like my BILL adjusted to a reasonable pay-off balance that does not include late charges and fees; and the PAY-OFF should be less than $ 1000.00. I would like the adjusted made by February 28, 2014.

Business

Response:

Date Sent: 2/3/2014 11:07:22 AM

Ms. [redacted]

Thank you for contacting Check 'n Go regarding your account.

Per your previous Revdex.com Complaint, you stated that you requested your bank NOT pay the scheduled payment on your loan.

Due to the payment being returned, your account has now been placed with Certegy until your return payment is paid and resolved.

Thank you,

Business

Response:

Ms. [redacted]

Thank you for contacting Check 'n Go regarding your account.

Per your signed loan agreement, the loan stands as is.

Sincerely,

Consumer

Response:

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.

Review: Have an installment loan with CheckNGo. Called to make payment arrangements due to current income.Working a partime job, and basically social security is the only stable income I have.I was told that payment arrangements could not be made until they took or attempted to get this months payment from my account. Which would over draw my account, and I would be charged a fee.I understand that the loan is due, but thought if an arrangement could be made, the overdraft would be avoided. I spoke to a customer service rep and also sent an e-mail in order to document my attempt to make arrangements.Desired Settlement: Payment arrangement made to pay loan and not over draw my account.

Consumer

Response:

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

I have been in contact with Checkngo and we have made "arrangements". I am still not too happy to have to pay the fee

of $35, when I tried to work out something earlier.

Regards,

Business

Response:

Ms. [redacted]

Thank you for contacting Check 'n Go.

We apologize but the store cannot offer any type of payment arrangements.

However, our collection department will contact you to discuss what your options are once your loan is written off.

Please know this may take several months.

It is best to pay what you can until that happens.

Thank you,

Review: My due date is today and this company has started calling my family, friends, and job. My loan is not past due or late at all nor has it ever been and they are now starting to contact references before the due date. I am scheduled to make a payment this evening at 6:45 and I am not sure why they are already calling my job and my references. I am not disputing the payment which will be made today but my contacts should not be called if the account is not even past due.Desired Settlement: See Complaint Text

Business

Response:

Ms. [redacted] Thank you for contacting Check 'n Go regarding your account. I have looked into our system and do not show that you currently have a loan open at this time. Could you please provide the loan number so that I can research this further?

Thank you,

Review: I sign up for loan online in late jan 2013. they start taking my money out of my account in feb. every two weeks I get paid. I couldn't believe the finance charges! but I was that desperate so I agree. The loan was for $1,000 and the interest they charged was $1,017.42! they take $183.39 every two weeks. it was a total of 11 payments. on june 18th I got email of final payment will be due on june. 21. on june 21 nothing came out of my account but I got an email stating that I paid off my loan. on june 26 I get email my account is past due in the amount of $2,017.42 and I get a phone call the same day. I told them I paid off loan. They said my account was invalid and returned from bank today. How is it possible if you took the money from my account and my bank honored every payment! I have statements that show that! I went to office and they called customer service and customer service say my account was adjusted and I owe the last $183.52. I told them they never took from my account on due day. They told me account was invalid. How it possible if every other payment went through but last payment didn't. I talk to my bank and they said nothing went through for them to honor. I mean an authorization have to go through for them to honor! this lady tell me excuses.. oh it not our fault and its your bank and that she used to work for bank and the person I talked to was just customer service. I told her it make no sense. I paid the money and she gave me confirmation number. The next day, I get email that I owe $375.09! they call me and I answer and say how I owe this amount if I paid last payment! they say well 2 payments come back unpaid and account invalid and she even say oh it not returned check but your account was invalid. it not possible bc every payment went through totaling $2,017.42!! I decide to send letter and all doucuments to the address so they can see for themselves. they take people money and not help! when people pay off loan. they come back claiming we owe them more! they are crook!Desired Settlement: I want them to stop calling and I want them to close my account paid in full. bc I know I don't owe money! I paid everything I owed! I have health issue bc of them! I lose sleep. I have back problem. I work 5 days a week. 10 hour shifts. it affect my work bc I constantly stressed bc of their phone calls! talk to them is like talking to a brick wall! they give me so much stress and headache. It made me regret agree or sign up for a loan from them. next time I will listen to my instinct!

Business

Response:

Review: I took a loan out from them Oct 30,2012. I took out another loan witch switched my payment higherAn the first loan was paid.I took out that norther loan.pay ment on the first was 252.00 q month was paid by them not really.second one was 600.00.now the payment is 272.00 some change.I have till june to pay it up.Arch payment I sent a money order but I was 10.00.short.I said I only get paid once a month.I am social security.I sent the payment Dec 3 an they receive I thought it.Call me the tenth of Dec said they never got it.I did sign about arch payment.With me not knowing ittook out 272.00 out of account.With out me knowing it.I didn't have the funds in there.The bankdid not pay for it.When I receive a statement from the bank I was over drawn.It cost me 37.00 over draft fee. I owe them over 1000 dollars.which I hope will be paid by June. I tell you I learn my lesson.I had tochange my bank number an my phone number to.So that the story.Desired Settlement: I know that they can not come after my social security Nothing I can afford a attorney.To sue them for false practices.

Business

Response:

Ms. [redacted],

Review: Consumer's Original Complaint : They called me and threatened me. They said they were going to file a lein on my driver's license. And they have not proven that I owe the debt. I received a phone call from the "office of recommendation". ###-###-#### They called me and was saying stuff about arbitration that I was not even aware of. I kept on asking Ms. [redacted] to explain why she was calling. She said she was with the "office of recommendation". I asked for the address of that location and she would not tell me that. After a while, in the middle of the conversation, they then told me that the call was being recorded, after the fact. I told her that this was the first time hearing about this issue. Ms. [redacted] told me that they mailed paper work to [redacted] in [redacted]. I told her that I have not lived there in over 10 years. She told me she had bank account records. I told her that I had closed that bank account with a zero balance. I then asked her what the phone number to "check n go" was and she did not have that phone number. I think it was another collection agency but was unable to get her to verify that. She threatened me more than once, saying that they would garnish my wages and place a lein against my drivers license. I was very upset and did not understand why she would say that. I felt very harassed and threatened.Desired Settlement: I want that business to verify with me if I owe the debt. I have no idea or recollection of this. I would like the correspondence mailed to me to resolve this issue immediately.

Business

Response:

Mr. [redacted],

Thank you for contacting Check ‘n Go.

We apologize for the experience you have encountered however, your account was sold to [redacted] in August 2010 for non-payment of $314.62 from an online loan in your name from March 12, 2010. You may call [redacted] at ###-###-#### to discuss your account which is now owned by them.

Thank you,

Review: I started an installment loan with this company in June of 2012. PRIOR TO SIGNING ANY DOCUMENTS I expressed concern about getting in on the due date to make a payment as I work 12 shifts 7a -7p in [redacted] and would not be back in [redacted] before the close of business. I was ASSURED by the employee conducting the loan that that was not problem. They could just debit my checking account automatically. As this was an acceptable alternative, I went ahead with the loan. Starting in September, I received a call from [redacted] who stated that automatic withdrawl basically should not have been offered as an option, and that he had "made a mistake" which had gotten him in trouble at work. He asked if I might agree to start making payments in house. As the option of auto withdrawl was the only reason I went ahead with the loan, I stated that this was the agreement that was made on the initiation of the loan and unfortunately I could not help him. Since them I have received a call on every due date, however the money continues to come out of my checking account each month. This month, however, the company attempted to pull the money from my account two days PRIOR to the due date on the contract causing me an overdraft fee of $37.00. At this point I question the integrity of this company and am concerned that they have any of my financial information at all. I have borrowed from them several times prior to this and always paid off my debt on time and in full. I am offended at my treatment during this recent loan, and outraged that they would access my account prior to the due date of my payment.Desired Settlement: I expect a refund or credit of $37.00. The company had no business accessing my account on the date it did.

Consumer

Response:

This complaint is an addendum to a previous complaint ID [redacted]. I was called today, Nov.19th, at work by an employee of Check n Go who informed me I was, surprise to me, two payments behind. The employee also informed me since a payment they tried to collect through automatic debit of my account was declined, I could no longer employee that service to payback my loan. As stated previously, the due date for the latest payment was Nov 16. Check n Go attempted to withdraw payment from my account on the 14th. After contacting my bank, I find that the previous payment due on Nov. 2 was never withdrawn, nor was there an attempt to withdraw it. Since June of this year when I started the loan, all auto withdrawls were taken no more than a few days after the due date. As I have been harrassed since Sept to come in and pay rather than let them debit my checking account, I have to assume this latest manuever was done so they could withdraw the auto debit option from me forcibly. There is no reason why they should have attempted to take Nov 2's payment almost a full two weeks after its due date, and the Nov 16 payment should not have been removed before that date. I am tired of being punished for an employee mistake and can not believe a business would conduct itself in this manner, especially since I only have 3-4 more payment on the loan and will have paid them back 3,000 dollars for the 1,500 I borrowed.

Review: I have recently received a loan for 150.00 and to be paid off on the paid daytes of 6th and the 20th. I called due to the fact a received an email telling me I could change the due date at anytime however I called today to the ###-###-#### and explained that I would like to change my due date until the 20th of October which is only 10 more days and of course no could help and that was not what was explained to me at the original loan date when I talked with a representive from the home office and also by email.Desired Settlement: Change the due date until the 10th of October

Business

Response:

Ms. V[redacted],

Thank you for contacting Check 'n Go.

I have reviewed your account and show your payment is due October 10th as you have requested.

Sincerely,

Review: I [redacted] have a complaint against CHECK N GO , because this company inquire on my [redacted] credit report on 5/2/2012.I have never applied for credit or employment with this company. Under the (FAIR CREDIT REPORTING ACT)15 USC 1681n(a)(1)(B ) it is against the law to view a consumers credit report without "PERMISSIBLE PURPOSE". Based on the evidence in my possession ,this inquiry was performed under false pretenses as described in the clear language of the law.Desired Settlement: CHECK N GO to remove the inquiry from my [redacted] credit report within (1) business day after receiving this complaint . or , we can meet in court. I do hope that we can settle this matter amicably. ([redacted])

Business

Response:

Mr. [redacted],

Thank you for contacting Check 'n Go. Your complaint/concern has been forwarded to our Fraud department for review and will be contacting you shortly, within 48 hours.

Thank you,

Business

Response:

Our Fraud Department reviewed the loan and did not see indicators of fraud. Additionally, attempt to contact Mr. [redacted] was made with a voicemail message being left to return our call without response back in September.

Consumer

Response:

I [redacted] reject the responce from the company because the company hasn't contact me at all. company claims they left a voicemail in my personal number in september that is not true . I havent received a single call from the company that is so unproffesional.

Review: When in called the locations in Columbia, SC I am given incorrect information about documentation. When I get to the store I am told something totally different which is a complete waste of time. The reps are very unprofessional and very rude. The locations include Columbia, SC [redacted]. Very bad experience at both locations. I called the branch and was given completly different info when I arrived .Desired Settlement: Better practices and cinsistant info and approval by phone instead of wasting time in store from rude reps.

Business

Response:

Hello Ms. [redacted],

I apologize that you were misinformed about what information was required to begin the loan application process with us. It is not our intention to be unable to provide you a loan based on information provided by our company. If you are still interested in applying for a loan, please call me at [redacted] and I can instruct you on what you need to complete an application successfuly.

Regards,

Consumer

Response:

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.

Regards,[redacted] Customer has stated that she has called the business over a week ago and has not received a response. She has now stated that she will not try to contact the company again because the lack of response to her. She would like the company to contact her. Per [redacted]

Business

Response:

Hello,I just spoke to Ms. [redacted] in regards to the complaint. I have provided her with my contact information with the hope to earn her business back despite her negative experience. She should be able to reach me moving forward if there are any further issues.Regards,[redacted]

Review: I have paid off my loan on which was a title loan last week,for the last month ive tried to pay this loan off,but a computer error has not let me completely close out the account,I went to the local office and was told if I paid 303.00 the account would be clear in a day,well a week later and im still in limbo,and they wont release my title,im trying to trade my vehicle in and im unable to because theres a lein against it from check n goDesired Settlement: just release my title

Business

Response:

Mr. [redacted]

Review: My account was incorrectly billed, causing NSF fees. When this happened the first time, they agreed to credit my balance due for the NSF fee. I agreed. I was then incorrectly billed again, this time causing NSF fees from my bank and my landlord. I then asked can the duplicate payment be reversed, the answer was no since it was not the exact day it happened. I called the exact day it happened and was told nothing could be done but to refinance my loan I then asked can I be reimbursed for NSF fees this time as well, they said no. This was face to face. Prior to this I called and representative told me NSF fee are my personal problem and they are not responsible. (Not realizing they agreed to this arrangement last time this same issue occurred.) So not only did I make 2 payments on my loan in one day, due to their error, now I'm out an additional $86 dollars of which increases everyday until I can get the additional money to pay my rent.

Product_Or_Service: LoanDesired Settlement: DesiredSettlementID: Refund

I would like to just be out of this loan contract all together. My experiences beginning June 27, have all been negative.

Review: I had a payday loan with Check n Go in 2008. I got behind on the payments and they agreed on a settlement. I paid the settlement in full as of July 13th 2009. Every year since I have been receiving phone calls from various collection agencies and lawyers informing me that Check n Go suing me for the difference that we had settled on. I originally owed appoximately $900.00 and they settled for $452.00. They are trying to collect on the $450.00 difference. How do I get them to stop harrassing me when the bill is paid in full?

check n go

Address:

City:

State/County:

Zip/Postal Code:

Business Phone Number:

###-###-####Desired Settlement: I would just like it to be know that payday loan stores will rip you off if you cannot afford to pay them back. If you settle they will make your life a living hell.

Business

Response:

Ms. [redacted],

Thank you for contacting Check ‘n Go regarding your account.We have forwarded your information to our corporate collections department for review, and to assist you further. Thank you,Customer Service

Review: payment made with me after account when into collection, agreement is $150.00 per month, In May of 2012, made payment for May, and June, Ashely calling me at work harassing me for June payment, that have already been paid.Desired Settlement: Or please have Check N Go credited me for My June Payment, next payment due July 18, 2012

Business

Response:

Your payment of 150.00 posted to your account on 6/18/12. Below is a schedule of future payments:

7/18/12 - $150

8/20/12 - $150

9/18/12 - $150

10/18/12 - $150

11/19/12 - $150

12/18/12 - $150

1/18/13 - $150

2/19/13 - $2,175.26

I have marked your account to restrict collection calls to your place of employment. Please insure that funds are available in your account on the agreed-to payment days provided above.

Thank

Check 'n Go Corporate Collections

Review: I filed chapter 13 bankruptcy in May, 2010. Within the past month or so my parents have been getting threatening phone calls from people looking for me. I contacted [redacted]h at ###-###-#### who said she was representing Check N Go. She said that I was going to be arrested unless I paid back my loan. I told her that I had filed bankruptcy and that I was not to be contacted. She was not deterred and continued to harrass and insult my intelligence. I had my lawyer contact her and they sent them my Chapter 13 information. My file was transferred to ANOTHER collector who continued to leave threatening messages on my parents answering machine. I have NEVER, EVER listed my parents as a reference yet they get called. I have told them to not contact my parents and that because I was protected under bankruptcy protection laws that I was not to be contacted, either. My lawyer has tried to get a valid address and fax number to send a cease and desist letter but the collectors refuse to give that information. My rights under the consumer debt protection and chapter 13 bankruptcy protection laws are being violated. I will not tolerate this further. All of the collectors have identified Check N Go as their client so I am holding Check N Go responsible for their actions. Please take whatever means necessary to ensure that my parents, friends, family, coworkers, neighbors and myself are no longer contacted as I am protected under Chapter 13 bankruptcy protection laws. Thank you.Desired Settlement: I want acknowledgement from Check N Go that this matter will be taken care of and that no other attempts to communicate with my friends, family, coworkers, neighbors and myself will be made. This is unacceptable and it can not happen anymore.

Business

Response:

Ms. [redacted]

Review: I took out a loan with this company in earlier part of 2013. I filed bankruptcy due to my job decreasing our bonuses, I've contacted them given them the information for the discharge but they are still appearing on my credit history.Desired Settlement: I want my account updated accordingly and this to be removed off my credit history

Business

Response:

Hello,

Check n' Go does not report directly to the 3 major credit bureaus. If there is something on your credit, we would be unable to help resolve or remove the report. You are free to dispute charges through the credit bureaus. My apologies for not being able to be of more assistance.

Regards,

Review: On 6/26/2014 received a call at work from this company. I spoke to someone at the company the day before on my cellphone. I was no need to call my workplace.Desired Settlement: Do not call my workplace they have my cellphone and I answered.

Review: To make a long story short, the harassment that this company provides is unbelievable, phone calls arrange from 6-8 times/day, I have paid a debt in full for less than balance, however they won't send me a satisfaction letter. The CSR stated that the company tries to be as "green" as they can be, and since a letter is generated it can only be sent via email, they will have to contact a supervisor to have that email sent, and I still haven't seen an email. I asked if they could mail me the letter and the statement about being green is what I was told as to why they couldn't mail me anything.Desired Settlement: I just want a satisfaction letter sent to either my home address.

Business

Response:

Hello,

I have looked through our database and I am unable to locate a customer by this name. The only way I would be able to identify this customer would be with additional information. This includes the last 4 of the customer's SSN, the location the loan was obtained and any other information that would allow me to locate this customer.

Regards,