Check N Go

I tried to get loan but decided not to due to attitude I received from the associate. I requested my application back and the lady stated she could not return. I was upset and left without my I'd or social. When I realized they were missing I called the store back over 20 times before my call was answered and was told that associate remembered me and was looking at caller I'd and purposely not answering. She would not try to locate the items and I contacted one of the district directors and am still waiting on a response.

Review: Check and Go has repeatedly called and claimed we opened an acct in May of 2011 and stating we owe them a balance. We have never opened an acct. in May of 2011 nor do we have a balance with them. This has been stated multiple times to them. They recently called and stated it was turned over to a law firm to handle it, along with the fees of the law firm being added to the supposed balance. They threatened that if we don't pay the balance it will go on our credit.Desired Settlement: I would like them to dismiss this bogus claim and stop harassing us. Doesn't make sense to hire an attorney to take care of this. But at the same time, I'm not paying for something that wasn't ours. It's like we're being blackmailed.

Business

Response:

Ms. [redacted]

Review: On October 5,2013 I spoke with Agent [redacted] named [redacted] and asked for a Payoff amount and she said it was $2605.49 and I ok'd a payment to process on 10/7/2013 for that amount making sure it was paying off loan and Agent [redacted] confirmed it would close the account. I also received a paid in full letter from Check n go that the account was paid off. I have been receiving numerous calls everyday asking for a $500 payment which I don't owe. I clearly asked for my payoff loan and paid what was told to me.Desired Settlement: Close my account and show paid in full and stop the phone calls

Business

Response:

Mr. [redacted],

Review: for starters, [redacted] she wouldn't give me any more than her 1st name) was rude and over combative over THEIR mistake, I applied for a loan, I received the loan, on my due date I received an email stating my loan was paid, a day later collections are calling me saying that I didn't pay.... I checked my account and there was no transaction of withdrawal from them, [redacted] proceeded to call me on my JOB and asked for payment, I asked her why wasnt the money withdrawn and why do I owe a fee, [redacted] stated that they punched in the wrong account numbers and the check came back NSF, however there is no record of the transaction any where in my account, it is not my fault to pay for their clerical mistakes and now I am getting harassed...I have no problem paying what I owe.... just get it right. [redacted] and her co workers are messing up peoples accounts and then charing fees, I think this is a GIMMICK and this company should be investigated and [redacted] needs CUSTOMER SERVICE training...or FIRED!!!!!!!!!!!!!!!!!!!!Desired Settlement: [redacted] needs to be FIRED, WRITTEN UP or retrained and I think they should have consultants go around to all their offices and retrain their employees... just RUDE and it is uncalled for... CUSTOMER SERVICE HAS REALLY GONE DOWN.... PEOPLE ARE NOT CARING UNTIL WE STOP PATRONIZING THEM!!!! THEY NEED TO CHANGE THE WAY THEY DO THINGS AND WATCH THE ATTITUDES WHEN CALLING

Business

Response:

Dear Ms. [redacted]

Review: I applied for a title loan from Check N Go. I didn't miss a payment and paid my loan off. The day that I paid my loan off I was told I would not receive the title to my truck that day for it was in Ohio for security reasons but should receive it in 5-7 days. I asked why wasn't I told that before I took the loan for I never would have taken out the loan. I then called another Check N Go and was told it will take 2 weeks. I then called another and was told 6 weeks and the last stating 2 months for it was sent to the corporate office then the corporate office sends it to the DMV company in Austin, then the DMV will mail the title back to the company. The title should never have left for they never owned the truck. The company have their loan paid off but I have no title to my truck.Desired Settlement: I need the title to my truck. I have made arrangements to sell my truck. Actually the sell was to made on 10/20/12. The company have no reason to continue to have hold on my title. I paid them as promised. I should have received my title back as soon as they were paid.

Business

Response:

Mr. [redacted], Thank you for contacting Check ‘n Go.

We apologize for the misunderstanding.

You and your business are very important to us!

I have confirmed that your title was released from our facility in Cincinnati, Ohio on October 24th to the Texas DMV who received it on October 25th. You should receive your title directly from the Texas DMV no later than November 16th.

Again, sorry for the inconvenience and misunderstanding.

Regards,

Review: I had a payday loan online from this company. My wife paid the account off early with her personal debit card which had posted on February 7, they had taken a "refinance/interest charge" from my personal bank account which posted on February 6. I called and spoke with [redacted] and her supervisor delinda who told me I would have had to cancel the refinance fee within three days of payoff to get the fees returned to me. She said it states in the contract to be canceled within three days but I did not understand that from reading it. I feel it is rediculous that I had to pay almost 100 interest two days in a row. No one ever mentioned to me on the phone when I contacted them about payoff that I needed to cancel the fee within three days, they tried to get me to refinance again rather then payoff early, I feel this is a scam they ran to get the extra money from me because I would not extend the loan for extra time so the could get more interest money from me!Desired Settlement: I would like the payment of $97.34, which posted from my account on February 6, deposited back into my checking account.

Business

Response:

Dear Mr. [redacted]

We have had a chance to review the complaint and offer the following explanation. We understand that this situation could be frustrating. In you contract, on page 2 of the Credit Services Organization Agreement, paragraph 10 explains the rights you have for cancelling the agreement. The following page included in the agreement is titled "Notice Of Cancellation"; this form must be filled out and completed and sent in within 3 days of the origination of the loan for our company to cancel the loan agreement.

At this time, Company would be unable to provide a refund based on this complaint. The notice of cancellation must be received within 3 days from the origination of the loan in order to cancel the loan agreement.

We apologize that we could not meet your expectations for a resolution. If you have any additional questions please let us know.

Thanks,

Review: I recently went to get a payroll advance and was told they had a new requirement to the contract process and that I would have to open a debit card with [redacted] for a minimum of $10.00 in order to get the advance. They told me I could just use the $10.00 up and never have to add on to it or keep it, and since I had to have the advance I agreed and got a $10.00 [redacted] card. I would not have opted to get this card had I been given a choice. What they didn't tell me was that there would be a $2.00 per transaction charge for every Debit and a $1.00 transaction charge for every Credit transaction. I feel it isn't fair business practice for them to "require" me to open any debit card in order to obtain a payroll advance. I lost $1.00 due to the per transaction charges with [redacted]. Now that may not seem like a lot of money but I didn't even want the card and I wouldn't be writing an advance if I could spare a dollar. Can they "require" their patrons to open a debit card like this? I've been to other check cashing places who have the "option" to get a preloaded master/visa card, but never have I been required to get on in order to do business with them. I am writing becuase I feel that they extorted me with this requirement, is this a legal issue that can be addressed?Thank you[redacted]

Product_Or_Service: Payroll AdvanceDesired Settlement: DesiredSettlementID: Other (requires explanation)

If this practice is illegal or at least unethical I want them to have to cease and desist the practice immediately. They never told me about the per transaction fee they just handed me a pamphlet for the [redacted], I found out about it when I tried to use it, and my transaction was declined.Thank you.

Business

Response:

Ms. [redacted],

Review: The Company has failed to honor the contract and failed to deposit the secured check on Friday, June 06 of 2014 as agreed and signed. Not even the next 24 hours as I was told.Desired Settlement: This caused me personal financial problems. The lack of professionalism to do what they suppose to.

It is unbelievable this kind of disrespect to the client.

Business

Response:

[redacted],

I apologize for any miscommunication or issues you may have experienced with the check that you provided. The records indicate that the check was deposited after the amount was not paid with cash on 6/6. While your bank may not have processed it through your account on that day, we deposited it on 6/6.

Please let me know if you have any addtional quesitons.

Thanks,

Review: I TRAVELED FROMHOME TO THE [redacted] LOCATION OF CHECK N GO, I WAS REFERRED TO THEM BY A FAMILY MEMBER WHOM FREQUENTS THAT PAYDAY LOAN COMPANY, TRYING TO BORROW MONEY TO TAKE A TRIP, I HAD LISTEN TO [redacted] WHICH IS THE STORE MANAGER TALK TO THE CUSTOMER AHEAD OF ME, SHE WAS'NT THAT PLEASANT WITH HIM EITHER,SO WHEN IT BECAME TIME FOR HER TO SERVICE ME SHE INFORMED ME TO FILL OUT AN APPLICATION,I DID, I INFORMED HER AFTER I FILLED THE FORM OUT THAT SHE COULD KEEP MY INFORMATION AND THAT I HAD AN APPOINTMENT SO I WOULD RETURN, I ALSO THOUGHT THAT MAYBE SHE WOULD HAVE A BETTER DISPOSITION BUT IN FACT IT WAS JUST THE OPPOSITE, SHE ASKED ME FOR ALL THE NECESSARY INFORMATION WHICH I GAVE UNTIL SHE ASKED FOR MY WORK NUMBER, I FIGURED THAT SINCE SHE HAD MY2 CHECK STUBS MY CELL PHONE, AND REFEERECES THAT WAS ALL SHE NEEDED,SHE SAID SHE NEEDED THE WORK NUMBER TO VERIFY EMPLOYMENT,MY JOB GIVES US A NUMBER FOR BUSINESSES TO CONTACT FOR EMPLOYMENT,SHE SAID THAT SHE HAD SEVERAL CUSTOMERS FROM MY JOB THAT GIVES HER THAT INFO, AND THAT SHE WANTED TO ASK TO SPEAK WITH ME I INFORMED HER THAT MY JOB REQUIRES THAT I MOVE TO OTHER AREAS IN THE BUILDING WHICH MAY MAKE IT HARD FOR HER TO REACH ME, SHE DID'NT CARE, SO SHE ASKED FOR MY LAST FOUR DIGITS OF MY SOCIAL SECURITY NUMBER, I TOLD HER THAT IT WAS WRITTEN ON THE APP, THEN I GAVE HER THE LAST FOUR DIGITS,SHE THEN PROCEEDED TO ASK ME TO GO AND GET MY WORK ID I TOLD HER THAT I WOULD NOT, ALSO THAT I HAVE NEVER HEARD OF THAT AND THAT IF SHE WAS'NT GOING TO HELP ME JUST GIVE ME MY PAPER WORK BACK,SHE SAID THAT SHE WAS GOING TO KEEP IT WHICH I DON'T FEEL THAT THIS IS RIGHT SHE HAS ALL MY PERSONAL INFO ON IT, SHE THREATENED TO CALL THE POLICE ON ME IF I DID'NT LEAVE THE STORE. HER CUSTOMER SERVICE SKILLS WERE VERY POOR TO BE A MANAGER I GUESS NO ONE ELSE WANTED THE JOB.Desired Settlement: I WOULD LIKE TO SEE HER DEMOTED UNTIL SHE CAN LEARN HOW TO HAVE BETTER CUSTOMER SERVICE SKILLS, AND IF A CUSTOMER HAS A PROBLEM WITH HER PROCEDURES SHE CAN SHOW THEM IN WRITING THAT ALL CHECK N GO PAYDAY COMPANIES HAVE THIS SAME PROCEDURE, NOT JUST DECIDE TO TAKE MATTERS INTO YOUR HANDS JUST BECAUSE SHE MAY BE HAVING A BAD DAY.

Business

Response:

Ms. [redacted],

Thank you for contacting Check 'n Go.

We apologize for the experience you encountered at one of our locations.

You and your business are very important to us!

Your information has been passed along to the store's District Manager, and they will be contacting you shortly, within 48 hours.

Sincerely,

Customer Service

I use check n go services once a month normally and love it. But the reason I'm contacting you is there punctuation is very lacking. They are never there! The store sign says they open at 10am monday through friday but they don't show up till around 11:30am of even 1:00pm once! This makes it hard and frustrating to get a loan or to pay it back. Plus its bad business. Im sitting in my vehicle at this moment, waiting one the store to open by the way. This isn't a mom and pop business so why are your employees acting like it is. If this could be corrected it would be greatly appreciated. Thank you for your time.

Review: I TOOK OUT A TITLE LOAN AND WHEN I PAID IT COMPLETELY OFF I WAS TOLD THAT IT WOULD BE 4 TO 6 WEEKS BEFORE I COULD RECEIVE MY TITLE. THEY SAID IT WAS STANDARD POLICY. I AM EXTREMELY UPSET ABOUT THIS. I WAS ON TIME WITH MY PAYMENT AND I SHOULDN'T HAVE TO WAIT A LONG TIME IF AT ALL TO RECEIVE MY TITLE. THIS IS MY CAR AND NOT THERE'S THEY HAVE NO RIGHT TO KEEP MY TITLE FOR ANY LENGTH OF TIME AFTER I PAY THE LOAN COMPLETELY OFF. IF I WAS EVER LATE WITH MY PAYMENTS (WHICH I WASN'T) THEY WOULD HAVE HOUNDED ME NO END. THEY NEED TO CHANGE THEIR POLICIES. I CONTACTED DANIEL REESE SEVERAL TIMES AND FINALLY CONTACTED THE STORE AND THEY RELAYED THE MESSAGE TO HIM. HE CALLED ONCE AND I WASN'T AVAILABLE. HE JUST DIDN'T CARE. IF I DON'T GET IT SOON, I WILL SUE. THE ORIGINAL OFFICE WAS ON [redacted] I DON'T KNOW AND CAN'T FIND THE ADDRESS.Desired Settlement: I WANT MY TITLE ASAP, AND THEIR STUPID POLICIES CHANGED. I WILL NEVER DO BUSINESS WITH THIS COMPANY AGAIN.

Business

Response:

Ms. [redacted]

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

I have confirmed that your title loan was paid in full and that we have released the lien to your state's DMV which have their own processing timelines.

It is best to call your local DMV to see how long that processing time is.

Thank you,

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.

why should there even be a lien on my title, you have my title.

again, I will not do business with you. I have done title loans in the past and was current and it was just handed back to me. I could understand if I was delinquent you would put a lien, but that wasn't the case.

Regards,