Business Profile

Check Cashing Services

Check N Go

This business is NOT BBB Accredited.

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Complaints

This profile includes complaints for Check N Go's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

190 total complaints in the last 3 years.
30 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:01/28/2023
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
The store manager didnt tell me they would be pulling a hard credit inquiry, i take this seriously. He had made mistakes on tax form by having someone else be sure i made the money, i made. Its great to got the extra spending. But, mr. ronald also tried to cut me off on the phone. You need to be honest and able to work in this industry, i will be fighting this inquiry! I do have lawyers and if you dont take it off for both of them. i will sue!
Business Response
Date: 01/30/2023
To Whom It
May Concern:

We want to
thank *** ************ for contacting Check ‘n Go regarding his application. We
understand that there is some confusion with the terms and conditions of the
application process. When an applicant applies for a loan with Check ‘n Go, as part of the credit application, Check ‘n Go will validate information using
Third-Party resources such as credit reporting agencies. The disclosures for
the loan application advised his credit would be validated. After validation
and review are complete, Check ‘n Go will
notify the applicant whether they qualified for a loan product.

The
completion of a credit application is considered Permissible Purpose according
to the Fair Credit Reporting Act. The company respectfully declines the request
to have the credit inquiry removed as it was associated with the credit
application. The voluntary signature on the credit application is an
acknowledgment that the company has the authorization to utilize third-party
resources, such as credit reporting agencies, to complete the underwriting for
the credit application.

Sincerely,

Customer
Advocacy Team
Corporate Offices of Check' n Go and Allied Cash
Advance
P.O. Box 36454
Cincinnati, Ohio 45236-0454
Customer Answer
Date: 01/30/2023
Better Business Bureau:

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, reasons for rejection are included below.

Regards, Your employee needs to take responsibility and admit they were wrong. They didnt even know where the number line was for the income. I will know from here and out when i refinance a loan, i will have my credit pulled. I appreciate the funding in which they will pull the money on the 3rd but you have to take responsibility for your mistakes as there was several made.

****** ************
Business Response
Date: 01/31/2023
To Whom It May Concern:

We have previously investigated the customer’s claims and provided
a detailed response. *** ************
acknowledges within his response that he is now aware his credit will be pulled
for future loans and refinances. Until
the customer provides new information for consideration, we refer them to our
previous response.

Sincerely,

Customer Advocacy Team
Corporate Offices of Check' n Go
and Allied Cash Advance
P.O. Box 36454
Cincinnati, Ohio 45236-0454
Customer Answer
Date: 02/01/2023
Better Business Bureau:

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

Regards,

****** ************
Initial Complaint
Date:01/26/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I just received a call from check n go again and this lady said that I owed them money even though I paid a settlement amount to them and she threatened me and was very rude to me and called me a lier about the loan. I told that I had two incomes at the time I took this loan andi also brought up the fact I came into check n go in 2021 to refinance the loan and they told me I was a day to late to refinance this loan. Then I was making payments to them what I could afford and then they kept calling me and harassing me. And they took money out of my checking account without me knowing about it. Then I finally called them and made a settlement with them and after that they told me the settlement was not paid in time. And I told that all I could give them. Then today it started all over again. I'm not putting up with these living people.
Business Response
Date: 01/27/2023
To
Whom It May Concern:

We
want to thank *** ******** for contacting Check ‘n Go regarding her previous
loan. Our records indicate that the loan
defaulted and was sold to ******* ******* **********, dba ********** Debt
Holdings on 07/20/2022 with a balance of $1,115.79. For any questions or
concerns, please contact the Third-Party agency directly at ###-###-####. We
would have no additional information as we are not the current owner and have
not contacted you since the date of sale.

Sincerely,

Customer
Advocacy Team
Corporate Offices of Check' n Go and Allied Cash
Advance
P.O. Box 36454
Cincinnati, Ohio 45236-0454
Initial Complaint
Date:01/25/2023
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I received a threatening letter from a Check N Go or should I say their attorneys at Fidelity Group claiming fraud on my part from a 2015 instillation loan with threats of a lawsuit and civil complaint. The letter I received was dated January 2023. I previously disputed this claim that the debt was satisfied and was sent a letter from the credit bureau that after an investigation they could not validate their claim and erased it from my bureau.
The file # is ********* with an amount of 4,070.72. The address on the letter states
Fidelity Group 700 E. Main St #********** ******** , VA ****** I am disabled and on social security with no assets. This scare tactic is stressful and also past the statue of limitations of four years for collection.
Please kindly investigate this matter.
Thank you
Business Response
Date: 01/27/2023
To
Whom It May Concern:

We
want to thank Ms. ***** for contacting Check ‘n Go regarding correspondence she has
been receiving from someone claiming to be a representative of Check
‘n Go. We completed an investigation into the
matter and our records indicate that her loan defaulted and was sold to United
Debt Holdings on 09/24/2015 with a balance of $2,503.87.

For
any questions or concerns, Ms. ***** should contact the Third-Party agency
directly at *************** We would have no additional information as we are
not the current owner and have not contacted her since the date of sale.

Sincerely,

Customer
Advocacy Team
Corporate Offices of Check' n Go and Allied Cash
Advance
**** *** *****
Cincinnati, Ohio **********
Customer Answer
Date: 01/27/2023
Better Business Bureau:

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

Regards,

****** *****
Initial Complaint
Date:01/24/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
This company appeared on my credit report 3 times in 3 different states as fraud identity attached to my social security number.
Business Response
Date: 01/25/2023
To Whom It
May Concern:

We want to
thank *** ****** for contacting Check ‘n Go regarding ID theft on his credit
report. His case has been opened and forwarded to the appropriate
department. We ask for his patience while his concern is being reviewed. If
necessary, we will reach out to him at the contact information provided to
discuss his case.

For
any additional correspondence, *** ****** can refer to his Case number: **************
.

Sincerely,
Customer
Advocacy Team
Corporate Offices of Check' n Go and Allied Cash
Advance
P.O. Box 36454
Cincinnati, Ohio 45236-0454
Initial Complaint
Date:01/24/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I keep getting calls from a Margaret W**** from Mediation Department. Represent Check n Go for a pay day loan of $300 within 2013. Saying my job was **** *****. And I didn’t even work there at that time. I left ****** in 2011 (and left **** ***** the same year). How is it?? I had a pay day loan within 2013. And using a old address that I wasn’t living at during the time. And hasn’t contact me through email or send documentation over the years. Now it 2023 and want to pursue legal matters. What is this ???
Business Response
Date: 01/25/2023
To Whom It
May Concern:

We want
to thank *** ****** for contacting Check ‘n Go.
We have received her feedback regarding the calls she has been receiving from
someone claiming to be a representative of Check ‘n Go.
After completing an investigation we can confirm that there are no accounts
matching her information in our system.

We
would like to thank her for sharing this information and we will certainly
forward it over to our Fraud Department.

Sincerely,

Customer
Advocacy Team
Corporate Offices of Check' n Go and Allied Cash
Advance
P.O. Box 36454
Cincinnati, Ohio 45236-0454
Initial Complaint
Date:01/19/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On January 13 2023 a check was deposited in my account that had previously been paid off to Check N Go. I went to the location on January 14 2023, where the check was paid off and was told they could not see the check being deposited on their end. They drained my account and caused me to be over drafted. I have my current contract showing that the check for October 28 2022 was paid off and my current loan with the company began on 12/29/22.
Business Response
Date: 01/19/2023
To Whom It May Concern:

We want to thank *** **** for contacting Check ‘n Go
regarding his account. We completed an investigation into the matter and advise
that due to an internal system issue, the check from his loan due 10/28/2022
was deposited again. We apologize for the inconvenience this has caused. We
have corrected the issue, and if the re-deposited check cleared *** ****** bank
a credit was issued. That credit was
processed on 1/18/2023 and he should see the funds returned to his bank account
within 3-5 business days. We will reimburse him for any fees his bank has
assessed due to this debit.

For verification purposes, we ask that he please provide a
copy of his bank statement/records to his local store, detailing any NSF fee
and/or overdraft fee related to this debit and we will begin the reimbursement
process (in-store disbursement and/or ACH credit). We also offer the option to
upload his documents online. He can contact
his local store for instructions on how to use our Uploader Tool.

Please know, this system issue has been resolved. We greatly
appreciate him as a customer and his continued business.

Sincerely,
Customer Advocacy Team
Corporate Offices of Check' n Go and Allied Cash Advance
P.O. Box 36454
Cincinnati, Ohio 45236-0454
Initial Complaint
Date:01/12/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I just started getting calls from ###-###-#### a representative saying that If I pay $500 right now Check n go will accept it as a settlement for a $1,750 loan I owe from 2016. I was living in *** ***** in 2016 and guarantee I never got a payday loan. I asked for documentation and the guy on the line started getting aggressive and said: "ma'am since you are refusing to comply I will be filing a levy against you and we can do this the hard way..."
Business Response
Date: 01/13/2023
To Whom It
May Concern:

We want to thank *** ******** for contacting Check ‘n Go regarding calls she has been receiving from someone claiming to be a representative of Check ‘n Go. We
completed an investigation into the matter and we can confirm that all accounts in *** ******** name are closed.

Thank you for sharing this information and we will certainly forward it over to our Fraud Department.

Sincerely,
Customer
Advocacy Team
Corporate Offices of Check' n Go and Allied Cash
Advance
P.O. Box 36454
Cincinnati, Ohio 45236-0454
Initial Complaint
Date:01/12/2023
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I keep receiving calls from ###-###-#### with a call back number of ###-###-#### stating I have a deliquent check n go loan in a state that I have not lived in since 2015. The loan was apparently taken out in Dec 2016. When asked for loans documents to prove the loan exists and so I can contact an attorney. I was told good luck with my proceedings
Customer Answer
Date: 01/12/2023
I just want to aware that a scam is happening. I have never had a check n go account. I saw on the site they were receiving comments back stating the account was not real, etc
Business Response
Date: 01/13/2023
To Whom It
May Concern:

We want to
thank *** **** for contacting Check ‘n Go regarding calls she
has been receiving from someone claiming to be a representative of Check
‘n Go.
We completed an investigation into the matter and can confirm that *** ****
does not have any open accounts in her name.

If *** **** has any
additional questions or concerns she can contact our customer service department
at ###-###-####, or by visiting ****************.

Sincerely,

Customer
Advocacy Team
Corporate Offices of Check' n Go and Allied Cash
Advance
P.O. Box 36454
Cincinnati, Ohio 45236-0454
Customer Answer
Date: 01/17/2023
Better Business Bureau:

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

Regards,

******** ****
Initial Complaint
Date:01/10/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
**BANK/CNG, Pursuant Regulation F, 12 CFR 1006, 15 USC 1692 I have exercised my specified remedy and sent you on 11/25/2022 a notice of debt validation.
You **BANK/CNG have violated my Rights pursuant 12 CFR 1006.34(c).
You Failed to provide all the required documentation as per my request under the new rule Regulation F and Validation of debt.
The law is explicitly clear ignorance of the law is no excuse. Your 30-day debt validation period has ended and you FAILED TO PROVIDE ALL REQUIRED validation Information AS PER THE LAW 12 CFR 1006.34(c) Validation information. Pursuant to paragraph (a)(1) of this section, a debt collector must provide the following validation information.
All collection activities on this Alleged Debt that you failed to provide validation within the 30-day period allowed by Federal law Pursuant 12 CFR 1006.34(c) Must be DELETED Immediately.
A**ount number: *********
Business Response
Date: 01/18/2023
January 17,
2023
Ref. No. ********
Re: *********,
********; BBB Complaint

To Whom It
May Concern,
Thank you
for the correspondence regarding the **** Loan terms and conditions. The Xact
Loan is an installment loan originated and funded by ******* ********* ****
(“**Bank”), a **** Chartered bank, located in ***** ****, Member FDIC. We have reviewed the complaint and appreciate
the opportunity to investigate the matter and provide a response.

During our
investigation we reviewed all documents, notes, and recorded phone
conversations pertaining to the complaint. We found that *** *********
electronically signed an Installment Loan Agreement with **Bank on 7/12/2021
for $3,000.00 with a finance charge of $7,123.47, for a total due of
$10,123.47. The Installment Loan Agreement contained the Annual Percentage Rate
of 210.4368% along with the Finance Charge, Amount Financed, Total of Payments,
and an 18-month Payment Schedule. Bi-Weekly payments of $273.62 began on
8/6/2021 for a total of 36 payments, with the final payment in the amount of
$273.15. Records indicate copies of the loan agreement, and all federally
required disclosures were provided to him through email.

*** *********** request to validate debt, and request to remove information from
his consumer credit report were reviewed. After completing an investigation
into the matter, we can advise that Verification of Debt documents were sent to
*** ********* (per his request) on December 19, 2022. *** ********* was sent a copy of his loan
agreement, a copy of the Federal Truth in Lending (TILA) Disclosure
electronically signed by *** ********* on 7/11/2022, and a copy of his
transaction history. These documents
contained a full description of *** *********** rights and responsibilities
under his agreement. They also detailed
the amount financed, amount of finance charges to be paid, and the total amount
*** ********* agreed to pay upon fulfillment of his agreement. All validation of debt documents sent to *** ********* meet Federal requirements.

Multiple
attempts have been made to contact *** ********* including phone calls, emails
and voicemails, however all attempts have been unsuccessful.

Regarding
*** *********** request to remove information from his credit report, we
believe the reported information to be a**urate. As such, we respectfully decline his request
to remove the reported items. Our
records indicate that the loan defaulted and was sold to ******* ******* *********** *** on 06/22/2022 with a balance of $5,082.56. For any questions or concerns,
*** ********* can contact the Third-Party agency directly at ###-###-####. We
would have no additional information as we are not the current owner and have
not contacted *** ********* since the date of sale.

Thank you,
**** Loan
Customer Advocacy Department
7755 Montgomery Rd., Suite 500
Cincinnati, Ohio, 45236
###-###-####
www.xact.com/contact
Initial Complaint
Date:01/09/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I applied for a loan in person at the ****** ** branch onsept 5 2022 and was approved for only 990$.I WAS NEVER ALLOWED TO APPLY ONLINE AND STILL CANT APPLY ONLINE.I HAVE PROOF THAT 146.27 WAS POSTED ON JAN 3 2023 WHICH MEANS MY ACCOUNT IS supposed to be UPTODATE online BUT it says i still owe 146.27 online and i JUST SPOKE WITH CHECKNGO IN ****** ** AND WAS TOLD PAYMENTS WAS RETURNED ON NOV 5 AND DEC 5 AND THAT I OWE 292.54.ONLINE IT SAYS I OWE FOR JAN 3 2023 BUT I HAVE PROOF ITS PAID SO IM SUPPOSED TO BE UPTODATE.I want to be able to apply online because i know the online contract would have different details like me being loaned more money and having less interest.Can you remove this off my credit and allow me to reapply online
Business Response
Date: 01/12/2023
To Whom It
May Concern:

We want to thank *** ******** for contacting Check ‘n Go regarding her account. We understand
that there is some confusion with the terms and conditions of her loan. We
completed an investigation into the matter and advise *** ******** currently has an in-store installment loan for $990.00 that was taken on 9/19/2022. The terms of the loan agreement were reviewed with *** ******** at the time of the loan and consist of a finance charge of $1,496.35 along with the $990.00 that was borrowed for a total due of $2,486.35. The loan agreement contained the annual percentage rate of 143.24%. The loan was taken for an 18 month term. Payments are due monthly on the 3rd of each month in the amount of $146.27, with the last payment being $157.85. At this time *** ******** has made one payment and two payments have been returned by her bank. The return reason is showing as account closed. if *** ******** would like to provide proof of payments clearing, we would be more than happy to review and update her account if necessary.
Within the complaint *** ******** also addressed her inability to apply for an online loan. *** ******** can set up an online account through P360 at any time, however a customer may only have one active loan open with the company at a time. She would need to pay off the in-store loan in order to apply for an online loan. We are unable to guarantee her approval as the determination is made by underwriting.
Regarding *** ********'s request to remove information from her credit report, we believe the information to be accurate. As such, we respectfully decline her request to remove the reported items. The only agencies we currently report payment information to are ******** and **********, and only if reporting is permitted in the applicable state. After a loan is opened or a payment is made, the payment information is reported the following month. It will then take anywhere from 45 to 60 days for the credit bureaus to update the information on the credit file. It is possible to see the update sooner; however, it can take the full 60 days.
Sincerely,
Customer
Advocacy Team
Corporate Offices of Check' n Go and Allied Cash
Advance
P.O. Box 36454
Cincinnati, Ohio 45236-0454

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