Check N Go

[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] As long as it is removed off the financial records this is good

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] ***

Dear [redacted] ,Thank you for contacting Check 'n GoWe are responding to your complaint filed with the Revdex.comUpon receipt of your complaint, Company contacted the District Director of Operations (DDO), for the retail store location servicing your account, to inquire about the date they received notification of your intent to file bankruptcy.The store confirmed they were not notified until after payment on your loan was due and after the payments had been submitted and processed by your financial banking institutionIn order to cease payment on your account during the bankruptcy process, you must provide evidence of your bankruptcy filing, which includes: the attorney’s name, address and telephone number; your bankruptcy case number; or official documentation of filingThe information also must be submitted to the store at least hours before the next scheduled payment due date.According to the section of your signed financial agreement titled “Method of Repayment,” it states: “ [redacted] Authorization—You hereby authorize us or our agent to initiate one or more electronic debit entries to your bank account identified below (your “bank account”) to collect the amounts you owe us under the payment schedule disclosed on page of this loan agreement, plus any fees that may arise due to your default on this loan, such as dishonored item fees or late fees.”As a result, it has determined company protocol was followed, and we are unable to render a more favorable determination in your case.Regards,Nei B***Customer Complaints

Hello,Based on the information provided with the complaint, company is unable to locate this customer in our systemsIf customer has additional personal information to verify their identity, company is willing to investigate furtherWithout verifying the account in question, company cannot move forward with investigation or response of this complaint.Regards,Customer Service

Hello,I have investigated your account and do see that the full balance was presented to your bank on 11/12/2016. Please find the extended payment plan agreement attached. You'll see, in section 5, where it explains the expectations of the payment plan. "You promise to pay each installment listed in... the modified payment schedule in cash on or before the installment's due date. If you do not, then we will accelerate the entire balance due and will deposit the check or present the check for payment to your bank." A payment of $143.75 was due on 11/11/2016. When you did not make the scheduled payment, as agreed, the full balance of the original loan agreement was presented to your bank in line with the amendment that is attached. Company has acted in line with the loan agreement as presented and signed by customer. Based on these facts, company will not be providing a refund or funds to cover any overdraft fees. 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 The company again confirmed that they are forcing me into collections in order to have the opportunity to discuss repayment terms on my account This is completely unacceptable and in my opinion, threateningI was misled by the store associates regarding early payoff Regardless of what the 15-page contract may say in the fine print, they clearly told me that I could avoid the interest by paying the loan off early I paid the borrowed amount back more than a year early and still they tell me I owe more than 50% interest on the money borrowed The associates grossly and intentionally misled me; hence their predatory loan practice reputationThe response to my Revdex.com complaint was the FIRST time I have been able to receive communications from their corporate office Despite multiple efforts to contact someone on the phone and e-mails sent through their website, I never received a response I was disconnected multiple times from their "customer service" number after being given the runaround by multiple people They need to allow direct communication since they are unwilling to empower anyone in my state to work with me on my loan It's absurd that it has come to this.The only terms I will accept from the company are the following: I would be willing to pay $1,to close out my loan This would result in Check n' Go receiving 30%+ in interest on the amount I borrowed Additionally, I would like them to be more clear with their repayment terms and provide direct access, either by telephone or e-mail to their corporate office.I have already contacted the [redacted] 's office and will contact my own attorney if these terms are not accepted Regards, [redacted]

Hello,As with the documents received here, these are not complete and what would be necessary to complete the investigationThe ID Theft affidavit must be completed in full and provided to the companyYour Driver's license must also be provided without redactionOnce these items are received, company will complete the investigationCompany cannot move forward until all of the documents requested are provided.Regards,Customer Service

Mrs [redacted] I apologize for any confusion, and I thank you for being a customer of Check n' GoUpon review of your account, it appears to be paid in full with a zero balanceIt appears that no excess was paidYour early payoff was accurately applied to your account.If you have any additional questions you can reach out to the store that serviced your loan or email me directly at [email protected], [redacted]

Hello,No funds were dispersed to this individual and no funds will be withdrawnThe information used in the application is maintained digitally and will be kept there due to state and federal guidelines for data retentionWe apologize for any inconvenience or confusion in this matter Regards,Customer Service

[redacted] ***,I apologize for any inconvenience caused through our business interactionsI have investigated your complaint and followed up with our online teamYou borrowed $and agreed to pay back $through payments of $The amount that you have paid as of today is $ and the remaiing balance (as of today) is $After reviewing your contract all payments appear to have been applied as agreed in the signed contractYou are responsible for repayment of the remaining balanceIf you would like to review your contract you may do so by logging into your my account page at www.checkngo.com.Regards,Corwin B [redacted] 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 I did not receive any calls from anyone to discuss this matterThey could have worked with me and made a payment plan of some kind since I called in with time to do thatWhat you did was run the payment and my bank account is currently overdrawn and I'll be charged $per day Regards, [redacted]

Dear [redacted] ***, Thank you for contacting Check ‘n GoWe apologize for the recent experiences you encountered at one of our retail store locations Upon receipt of your Revdex.com complaint, Company reviewed your Installment Loan Agreement, and it lists your first payment of $ due on 3/11/15; monthly payments of $due on 4/11/and the months thereafter; and a final payment of $due on 7/11/Your payment due dates were established for the 11th of every month and not the 15th as mentioned in your complaintA copy of the loan agreement is included for your reference In your complaint you stated that Check ‘n Go drafted your bank account times in May 2015; times in June 2015; times in July 2015; and twice in August A review of your loan transaction history (also included) illustrates the following payment attempts: March – ACH attempt April – ACH attempts May – ACH attempts June – ACH attempts July – ACH attempts August – ACH attempt September – ACH attempt Under the section of the signed loan agreement titled, EFT Authorization, it states: “You hereby authorize us or our agent to initiate one or more electronic debit entries to your bank account identified below (your “bank account”) to collect the amounts you owe us under the payment schedule disclosed on page of this loan agreement, plus any fees that may arise due to your default on this loan, such as dishonored item fees or late feesA payment default occurs if you fail to pay an installment in cash and your bank subsequently returns the installment EFTThese electronic debit entries or transfers may include, but are not limited to, automated clearing house (ACH) entries, remotely created checks (RCC), remotely created payment orders, demand drafts, bank checks, bank drafts, or similar payment devicesWe may continue to initiate accelerated-balance EFTs in amounts less than the full amount due until any past due payments you owe are paid in full.” By signing the agreement, you acknowledged and accepted all terms and conditions of the loan; therefore, Company is unable to waiver from policy and permit changes to your installment loan pertaining to payment amounts, finance charges, balance due, and/or due datesBased on the language contained in the binding agreement, Company is also unable to honor your request to reimburse [redacted] fees incurred by your bankOn August 11, your account became default and was referred to our Collections DepartmentCollections should be in contact with you soon (if not already) to establish payment arrangements for the balance due on your loan You may contact the Collections Department directly using the information listed below:Email: [email protected] Toll-free number: 1-877-793-As requested in your complaint, Company instructed the Collections Department to cease all ACH drafts to your banking account until further notice.Regards, Nei B [redacted] Customer Complaints / [redacted] Style Definitions */

Hello,Based on the notes, your complaint and a review of the Extended Payment Plan Rules in Utah, it is our belief that you were accurately described the requirements and expectations of the payment plan you requested. Each of the notes on the account specify the date of 1/30/17 as the date this... would need to be set up. On 1/30/2017 an extended payment plan was created at your request. This amendment to the credit agreement was electronically signed by you on the same date. Based on this, your request was upheld and the extended payment plan was created for the loan agreement. Company does not believe that any additional compensation is warranted in this situation.Regards,Customer Service

Dear [redacted] ,Thank you for contacting Check 'n GoUpon receipt of your complaint, Company notified our Collections Department to mark your account as "No Contact." Our records indicate the last time they were in contact with you is when a settlement offer was made equal to 55% of your loan balance, spread over payments, or 35% of the balance payable in one lump sumIn order to set up payment arrangements, you will be required to initiate contact with us directly by calling 1-877-793-It is the Company's written policy to adhere to the Fair Debt Collection Practices Act (FDCPA) and have strict consequences for failure to follow these policies, up to and including termination of any employee who may violate the sameDuring the time that Company is in possession of the debt, and all rights associated with collecting the debt, we negotiate in good faith to make repayment arrangements and comply with the FDCPA.Sincerely,Nei B***Customer Complaints / [redacted] Style Definitions */

Dear [redacted] ,Thank you for contacting Check 'n GoWe are in receipt of your complaint filed with the Revdex.com.Company reviewed the account that was opened in your name and verified the loan was confirmed as fraudulent on 11/11/At that time, Company absolved you of any debt associated with the fraudulent loan.Upon receipt of the subpoena on 4/9/2015, Company provided you with all the information related to the perpetrator of the ID Theft crimeCompany does not have the name or names of any individuals involved and has provided all documentation held in our possessionPlease work with your local police department should you wish to pursue the matter further and press charges against the party or parties involved.Regards,Nei B***Customer Complaints

Revdex.com:
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, 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,
*** ***
The business claims that they had additional information come through AFTER they had agreed to a settlement offer and received payment from meThey added an additional $to the balance due. The business claims that they have now settled in full and that the case is closedHowever, that status is pending additional payment from me, which they are withdrawing from my bank account on 11/1/I have no options and no reassurance that they will not claim again that additional information has surfaced AFTER requiring additional monies from me and/or receiving a second settlement.Their business practices are unethical and possibly borderline illegal (ie: agreeing to a settlement and receiving money in good faith, then rescinding that agreement in lieu of more money and another settlement).Attached, please find copies of their original email stating the first settlement would take care of the final bill, which I paid in full on 9/20/ Also attached is the second settlement agreement requiring more money from me on 11/1/to close this out. Thank you for taking time to look into this issue.*** ***

Hello,Please find the response from our field partner below"*** *** came in to refinance her loan on 2/6/She made on time payments in March and then at the end March when the store courtesy called her on the 30th for her upcoming payment on 4/1/she told the store manager she doesn’t
get paid on that date and that she is paid semi-monthly the 5th & 20thAfter looking into it she discovered that her pay dates had change from bi-weekly Friday’s to semi-monthly 5th & 20th and the csr covering her store had set up her contract to be due bi-weekly Fridays since that is what was in our systemThe store manager did explain that we would not be able to change or alter her agreement but that she should continue to make her payments when she gets paid*** was upset and called the 888#, before I had the chance to call her back she called the 888# for the *** *** district and spoke with DDO LJ M., he did explain to her that we are unable to change or alter contracts and that he would give me the message to call herI did return her call the next Monday but did not get an answerShe made more payment on 4/5/and let the store manager know she was still upsetHer next due date was set up for 4/15/and her payment was ACH’d at the end of the day, on the following Monday she called the store letting them know that her pay dates changed again and that she would now be paid on the 10th & 25th and that she did not want to speak with me that she only wanted to deal with LJ MOn Thursday morning she called the store and left messages on their voicemail prior to opening cursing and calling the associates names claiming that we illegally took funds from her account and that was closing her account and would not pay us anymoreI called her Friday morning and left a vm, when she called back she was refusing to really let me speak and said she would not pay us another dime until we changed her agreement and then hung up on meShe then called the store several times and would just hang up on them when they would answer."

Hello,In your concern, you stated you filed a complaint online and you had not received a responseThis complaint was received 11/30/2016, and a response was made to you 12/12/via telephone from the DDO in the area, ***Based on your description and the notes, *** advised you of the facts
related to the caseIf you have any further questions please reach out to the store that services your loan.As stated, payments have been set up to come out of your account through an automated clearing house (ACH) transactionAlso, this should have no impact on your credit. Regards,Customer Service

Mr***,I apologize for any misunderstanding that occurred with repayment of your loan agreementI have completed an investigation into your complaint and offer the following explanationIn your complaint, you said that you normally call in and make a payment with debit cardYour payment
history shows that this payment is made as you describe in of the payments to companyIf the payment is not received by the due date, company utilizes an ACH (automated clearing house) transaction to obtain the paymentYou agreed to this payment type in the loan agreement and it only takes place when the payment is not received on the due dateYou can find a full description on the loan agreement on the page "Installment Loan Agreement" under the clause "EFT Authorization": "You hereby authorize us or our agent to initiate one or more electronic debit entries to your bank account identified below (your "bank account") to collect the amounts you owe us under the payment schedule disclosed on page of this loan agreement, plus any fees that may arise due to your default on this loan, such as dishonored item fees or late fees.Please contact the store that services your loan if you have any further questionsRegards,Corwin B***

Hello,Our records show that you made calls to our customer service center on 5/to discuss the matter, where this was explained to you along with the reasons provided in the original responseOne of our supervisors contacted you on your home phone on file and the call was disconnectedThey attempted to contact you again and left a message at 12:EST with information on how to return the call.We apologize that you do not feel that options were provided to youYou may contact our customer care center and they can assist with possible alternate solutions.Regards,Customer Service