Check N Go

Hello,Company has investigated and found that the account number entered was incorrect when the loan application was filled out. Company made no changes to the number prior to providing the funds to the customer's bank. When the customer called to advise of the situation, an adjustment was made...

because the funds had been returned by the bank.From what I can see the funds have been redeposited into the account. If there are any further issues please contact me directly at [redacted].Regards,
[redacted]

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 store. This 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 back. You 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 error. This is merely a technical error and can be disregarded as such. This 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 arise. This should address all of your concerns. If you have further questions please feel free to contact the store directly.Regards,Customer Service

Company is aware of the glitch that is mentioned here. If this is included in the glitch that you were advised of, company is willing to cover any fees associated with the double charge including overdrafts or related fees.Company understands that this is a negative situation to be in and we are...

willing to do what we can to correct the situation. Please contact the store that services your loan and they will be able to assist with this situation. You will need to bring your bank statement to the store.If you have any additional questions you can contact me directly at [redacted].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 re[redacted]ed 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]

Hello,After reviewing your account, I have found that you asked for an extended payment plan through the State of Florida. You called 12/3/2016 to make the request, and a hold was placed on the account for you to obtain credit counseling as per the legal expectations in [redacted]. After completing the...

counseling you were provided an additional hold to 4/6/2017. You called 12/16/2017 and verified this date and the amount due. Based on my investigation and reviewing the conversations you had with our reps, this was completed in line with the expectations explained to you and outlined in the [redacted] EPP. No refunds will be made.Regards,Customer Service

Hello,    Your debt of $450.00 was sold to [redacted] on 9/30/2010. 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 do. It 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 same. As a result of the complete sale of this debt, Company is no longer in a position to negotiate repayment arrangements or make settlement offers. During 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 complaint. You are not being contacted by Check 'n Go or anyone affiliated with Check 'n Go. Company has no record of any payments, payment arrangements or anything regarding this loan agreement or debt after the sold date.Regards,Customer Service

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

Hello,As mentioned in our previous response, the debt in question was soldOnce the debt was sold, company has no ownership or oversight of the debt and has no way to "update the status" as you requestedIf the debt has already been paid, you will need to provide proof of that payment to the company who is attempting to collect the debtIf you are being harassed or the collection attempts continue you will need to contact local law enforcement to assist with this issue.Regards,Customer Service*
As
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.*

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 do not have a police report as the amount that was taken from me was not suffecient enough to claim without costing me more money that I did not have. The man that is calling and harrassing and threatening me is claiming to be from Check N Go.  I had to close my checking account as it was overdrawn and had to pay over $500 to do that and this all occured before my house fire in which we lost everything. I have since been monitoring my Credit Report and have had to cancel numerous loan applications being filed. I have not seen check N go on my credit report so therefore I cannot dispute it but again I have nothing to show for this because my home and all papers and anything else I had was burnt to the ground. 
Regards,
[redacted]

I filed this complaint to show proof that this company is purposefully performing the practice of pedatory lending and although my loan has already been paid off they will not close out the account but are trying to continually charge me a monthly fee. I have provided documentation to show that the loan was paid but tbe company refuses to speak with me but are providing the bureau in response to my grievance an automated general response. This company is croaked and people should know the truth and not deal with them.

Dear [redacted],I apologize for any issues you have experienced with payments being removed for the account with our company. I have placed a block on the account so no further charges will be taken. If you are claiming the account was created under fraudulent means, you will need to go to...

www.teamupagainstfraud.com and place a tip line report. With that, we would require a police report and a completed ID Theft affidavit. We apologize for any issues caused by the account. Please let us know if you have any questions.Regards,Customer Service

Hello,I apologize, but I am unable to find an account in our system that matches the information you provided. I would be willing to investigate and assist but I would require additional information. You can contact me directly at [redacted]. Regards,[redacted]...

[redacted]

Dear [redacted],Thank you for contacting Check 'n Go. Company apologizes for the recent experience you encountered with one of our retail store locations.Upon receipt of your complaint. Company confirmed with the retail store that services your account that alternate payment arrangements and/or...

settlements are not permitted at the store level. The corporate office is also unable to allow any exceptions. By signing the loan agreement, which has been included for your review, you acknowledged, accepted and agreed to all terms and conditions of the loan pertaining to the APR, Finance Charge, Amount Financed, and Total of Payments. These figures are outlined for you on the first page of the agreement.The District Director of Operations (DDO) for the store confirmed the early payoff balance for your loan, as of 9/17/15, was $2052.95. Please note, this amount may fluctuate, and you must contact the store directly to receive a quote for that day's balance.Our records indicate your account is currently in a delinquent status. If the account is referred to Company's internal collections department, more flexible payment options may be afforded to you; however, allowing the account to go to collections may negatively impact your credit report and also prohibits you from doing future business with Check 'n Go or any of the affiliated stores.Further questions or concerns regarding your loan may be directed to one of the store team members, who will be more than willing to assist you.Regards,Nei B[redacted]Customer Complaints

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

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 July. The 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 phone. I 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 loan. Anyways, 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 service. After 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 situation. I would like to either talk or get an email back from Mr. [redacted] within the next week, otherwise I am seekingmediation. If you guys are not willing to go through Mediation, it is very likely that I am going to sue. I 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?

Revdex.com: please send me a copy of my account update
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]

Hello,We apologize that you feel as if you were getting the "run-around" when it came to your issue. I've taken the time to review the notes and calls associated with your complaint. Through this review I have found opportunities for training that will be shared with the supervisors in those departments. Based on the agreement and payment plan that was set up, it looks like the issue described has been resolved in regards to having a payment plan. Despite the above mentioned training opportunities, we have not found reason to compensate you as requested in your original complaint. Regards,Customer Service

[redacted],We apologize for any issues you've experienced in repaying your loan agreement. I have reviewed your account and would like to provide you an explanation.Your loan agreement was due on 1/2/2016. The store waited till 1/4/2016 for you to pay on the loan agreement before depositing the...

check for payment due in full. That check was returned by your bank for insufficient funds on 1/11/2016. You came in and made a payment of $265.00 on 2/10/2016 and $250.00 on 2/23/2016. These payments fully addressed the balance and now the transaction has been closed. Based on this explanation, the account is current and no monies are due to you for over payment. If you have any additional questions please contact the store directly that services your loan.Regards,Customer Service

[redacted],I apologize that you do not agree with our initial response and that you have continued to experience issues. I 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 company. While 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 misunderstandings. These 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 parties. Company is unwilling to provide financial appeasement for this matter. I apologize that this does not meet customer's expectations for a resolution.Regards,Corwin B[redacted]Customer Service