Business Profile

Check Cashing Services

Check N Go

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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

177 total complaints in the last 3 years.
29 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:07/21/2023
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 have left 3 voicemails over the last 48 hours and no one has returned my call. I intend to pay my loan off as they charge over $15 per day in interest so far I could have owed $45 less in 3 days however I can’t pay it off if no one will answer. It’s very frustrating. I would drive over there if this is not resolved soon.
Business Response
Date: 07/24/2023
To Whom It
May Concern:

We want to thank Mr. ********* for contacting Check ‘n Go regarding his customer service concerns. We sincerely apologize that his recent experience with Check ‘n Go didn’t meet his expectations. We would like to inform him that he can make payments on his account in two additional ways. Mr. ********* can log into *********, our free online account management tool. ********* gives him access to apply for new loans, make debit card payments on his account, and allows him to stay up to date on potential product offerings and promotions. He can also make a debit card payment using our automated system by calling **************.

Sincerely,
Customer
Advocacy Team
Corporate Offices of Check' n Go and Allied Cash
Advance
**** *** *****
Cincinnati, Ohio 45236-0454
Initial Complaint
Date:07/20/2023
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 got a call today from ###-###-#### from a foreign speaking person saying they were going to take out a judgement on me for Check n go from 2018 for over $700. I don't remember the exact amount but I'm pretty sure it was only a couple hundred or less. I know ***** ****** has usery laws. I explained to him that I was on disability and I would see what I can do and get back with him. He was rude and said no I need an answer now or it will go through the courts then he hung up on me.
Business Response
Date: 07/24/2023
To Whom It
May Concern:

We want to thank *** ******** for contacting Check ‘n Go regarding the collections calls she has been receiving. We
completed an investigation into the matter and found that *** ******** obtained a Payday loan on 10/2/2018 in the amount of $130.00. Our records indicate that loan defaulted and was sold to ****** ***** *********** *** on 2/26/2019 with a balance of $156.58. For any questions or concerns, we would encourage *** ******** to contact the Third-Party agency directly at ###-###-####. We would have no additional information to provide as we are not the current owner of her debt and have not contacted her 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
Customer Answer
Date: 07/25/2023
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:07/20/2023
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 morning, July 20th, I was contacted by a rep from a collection agency, regarding a loan I supposedly took out. I have never heard of Check n Go before today, and certainly didn't take out a loan. I am on SSDI, and couldn't afford one, even if I had wanted to. I expressed all of this to the first person I spoke to, and in turn was treated with rudeness and disrespect. I understand he couldn't just cancel things right there, but treating me with rudeness is unacceptable. Either someone fraudulently used my information, or your company decided to just make up a loan. I am not accusing you of that, it is just the only things that could have happened. I would like this resolved immediately, and preferably by someone who isn't rude like your rep was.
Business Response
Date: 07/24/2023
To Whom It
May Concern:

We want to thank Mr. ********* for contacting Check ‘n Go regarding the calls he 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 there are no loans or applications in our system that match the personal information he provided, and that the calls he received were likely fraudulent. We would like to thank him for sharing this information with us 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
**** *** *****
Cincinnati, Ohio 45236-0454
Initial Complaint
Date:07/19/2023
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.
Harassment from there partner company and threats
Business Response
Date: 08/14/2023
To Whom It
May Concern:

We want to thank Ms. ****** for contacting Check ‘n Go regarding the collection calls she has been receiving from someone claiming to be associated with Check 'n Go. Unfortunately, we cannot control the communication practices of companies other than our own, however after completing an investigation into the matter we can confirm that Ms. ****** has no loan history with us, and there are no past or present loans in her name in our system.

Sincerely,
Customer
Advocacy Team
Corporate Offices of Check' n Go and Allied Cash
Advance
**** *** *****
*********** **** **********
Initial Complaint
Date:07/18/2023
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 am getting calls from ******* ******** ******** about debt collection for a past due amount from Check N Go. I have never used Check N Go or any payday loan service. Check N Go has me confused with one else and will need to clear my name and associated information.
The information I was able to collect indicates a $675 balance and the account was opened in 2018. I am being harassed by collection agencies currently and this must be stopped and my name cleared.
Business Response
Date: 07/19/2023
To Whom It
May Concern:

We want to thank *** ******* for contacting Check ‘n Go regarding the collection calls he 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 there are no accounts, applications or loans in our system that match the personal information provided by Mr. Stevens. We would like to thank *** ******* for sharing this information with us, 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
Customer Answer
Date: 07/19/2023
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:07/16/2023
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've previously filled a complaint with this business. **************
Business Response
Date: 07/19/2023
To Whom It
May Concern:

We want to thank *** ******** for contacting Check ‘n Go regarding concerns associated with her credit report. We
completed an investigation into the matter and found that *** ******** submitted two loan applications on 6/6/2023. The first loan application was denied, and the second application reflects a status of "incomplete". We can confirm that there are currently no open loans in her name, and no previous loans have been funded through Check 'n Go. If *** ******** has any additional questions or concerns, we encourage her to contact our Online Customer Service Department at ###-###-####, and one of our friendly agents will be able to assist her.

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:07/14/2023
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.
Phone calls from SOME ARBITRATION companies claiming to Represent Check n go 1st time it was 500,1900 2500 but will settle for 900.00 out of court THE Guy name is SCOTT PHONE #*********** and harassing me for weeks!Another Guy PEDRO called for1300 . I asked his name x2 he said I'm hanging up I don't know what ur trying to do!!
Business Response
Date: 07/18/2023
To Whom It
May Concern:

We want to thank *** ***** for contacting Check ‘n Go regarding the collection calls she has been receiving from someone claiming to be a representative of Check 'n Go. We have completed an investigation into the matter and can confirm that there are no accounts in our system that match the personal information provided by *** *****. We would like to thank *** ***** for sharing this information with us and we will certainly forward it over to our Fraud Department for further investigation if warranted.

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: 07/27/2023
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:07/02/2023
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 am writing to file a complaint regarding the validation of a debt on my consumer credit report. Despite multiple attempts to seek proof of validation, your company has failed to provide any evidence regarding a debt that does not belong to me. Furthermore, you have furnished this alleged debt on my consumer report and failed to validate the claim pursuant to Sec. 809(b) of the Fair Debt Collection Practices Act.
As a consumer, I have a right to privacy and protection from inaccurate reporting on my credit report. Your company's actions have not only violated my right to privacy but also the permissible purpose of providing accurate information to consumer reporting agencies. According to 609(a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.

I demand that this item be removed from my credit report immediately as it is furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. Your inaccurate reporting has also damaged my livelihood.
According to 15 U.S. Code § 1681s–2 - Responsibilities of furnishers of information to consumer reporting agencies, furnishers have a duty to provide accurate information. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By definition, The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate.
Account No: *********
Business Response
Date: 07/07/2023
To Whom It May Concern:

We have previously investigated the customer’s claims and provided
a response on multiple occasions. There have been more than 5 separate ID Theft/Fraud claims performed for this customer and all have been denied. The customer has been provided with Verification of Debt documentation previously. Until the customer provides new information for consideration, we
refer them to our previous response(s).

Sincerely,

Xact Loan Customer
Advocacy Department
7755 Montgomery Rd., Suite 500
Cincinnati, Ohio, 45236
###-###-####
Customer Answer
Date: 08/01/2023
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,

******** *********
Problem:
I am writing to file a complaint regarding the validation of a debt on my consumer credit report. Despite multiple attempts to seek proof of validation, your company has failed to provide any evidence regarding a debt that does not belong to me. Furthermore, you have furnished this alleged debt on my consumer report and failed to validate the claim pursuant to Sec. 809(b) of the Fair Debt Collection Practices Act. As a consumer, I have a right to privacy and protection from inaccurate reporting on my credit report. Your company's actions have not only violated my right to privacy but also the permissible purpose of providing accurate information to consumer reporting agencies. According to 609(a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand that this item be removed from my credit report immediately as it is furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. Your inaccurate reporting has also damaged my livelihood. According to 15 U.S. Code § 1681s–2 - Responsibilities of furnishers of information to consumer reporting agencies, furnishers have a duty to provide accurate information. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By definition, The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. Accnt No: *********

Desired Resolution:
Correction to a credit report

Business Response
Date: 08/02/2023
August 2,
2023
Ref. No. #********
Re: ********
*********; Better Business Bureau
To Whom it
May Concern,
We would like to thank *** ********* for the correspondence regarding his Xact Loan. The Xact Loan is an
installment loan originated and funded by ******* ********* **** (“******”), a
**** Chartered bank, located in ***** ****, Member FDIC. We have reviewed the complaint and appreciate
the opportunity to investigate the matter and provide a response.
Our records indicate that we have sent Verification of Debt documentation to *** ********* on 12/19/2022 and 1/17/2023; however, as a courtesy, we are attaching the documentation to our response to eliminate any further confusion. There have been several fraud investigations performed on this account per *** *********** request. Our fraud team has concluded that the loan was legitimately obtained by *** ********* and was not a result of fraudulent activity. We believe this matter to be settled, but if *** ********* has additional questions or concerns, he may contact us by visit ********************.
Initial Complaint
Date:06/29/2023
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 am not liable for this debt with Check N Go, I do not have a contract with **** ******** *********. They did not provide me with the original contract as requested.
Business Response
Date: 07/03/2023
To Whom It May Concern:
We want to thank Ms. ***** ***** for contacting Check 'n Go regarding her previous loan. We completed an investigation into the matter and advise our records indicate that the loan defaulted and was sold to ***** ********* *** on 12/30/2020 with a balance of $2594.30. For any questions or concerns, please contact the Third-Party agency directly at ***********3. We would have no additional information as we are not the current owner and have not contacted Ms. ***** since the date of sale.

Sincerely,
Customer Advocacy Team
Corporate Offices of Check 'n Go
**** *** *****
*********** **** **********
Initial Complaint
Date:06/24/2023
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.
mr ****** has been unprofessional and the staff here calling me every other day. i told them of my situation and they are not getting it through their head. i have a hard ship!
Business Response
Date: 06/26/2023
To Whom It May Concern:

We would like to thank Mr. ************ for contacting
Check ‘n Go. We sincerely apologize that
his recent experience with Check ‘n Go didn’t meet his expectations. His
comments have been provided to our Retail Management Team and his concern is
being investigated. We are unable to provide detailed information regarding any
disciplinary action taken due to employee privacy issues; however, we can
assure him that his concern is being taken very seriously and will be addressed
appropriately.

We want to thank him for taking the time to share his
concerns, his feedback is greatly appreciated. It’s our goal to make every
customer experience a positive one and his feedback can help us achieve that.

Sincerely,

Customer Advocacy Team
Corporate Offices of Check ‘n Go
**** *** *****
*********** **** **********
Customer Answer
Date: 06/26/2023
Better Business Bureau:
Mr. ****** is a pain and annoying!!! You need to have flexibility on payments when they are behind and not call everyday about it!

I have reviewed the response made by the business in reference to complaint ** ********* and have determined that this does not resolve my complaint. For your reference, reasons for rejection are included below.

Regards,

****** ************

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