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

197 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: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,

****** ************
Initial Complaint
Date:06/23/2023
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 just received a call from ###-###-#### a medication company called CHS they state that I had a loan of $610.00 with Check n go that I had requested last month and I did not pay it back. I have never gotten a loan from them notr I have never even heard of this company.

I need to get an answer why am I getting a call from them..
Business Response
Date: 06/26/2023
To Whom It May Concern:

We would like to thank Ms. **** for contacting Check ‘n Go
regarding the collection 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 or loan
applications in our system that match the personal information she provided
within her complaint.

We want to thank her 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
**** *** *****
*********** **** **********
Customer Answer
Date: 06/30/2023
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:06/16/2023
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 have continuously pulled out along with this company but I noticed if I pay my loan off before 30 days they are not discounting the finance charge. If I don't keep the loan for 30 days that finance charge is supposed to go down. That is illegal.
Business Response
Date: 06/19/2023
To Whom It May Concern:

We want to thank *** **** for contacting Check ‘n Go
regarding concerns associated with her payday loan. We understand that there is
some confusion with the terms and conditions of her loan. We completed an
investigation into the matter and found that *** **** took out a payday loan on
6/8/2023 in the amount of $175.00. Our
records indicate the loan was repaid in whole on 6/16/2023, and that her
account is currently closed with a status of paid in full.

*** **** agreed to the terms and conditions of her loan when
she signed her loan agreement prior to accepting funds. Unfortunately, there is no State or Federal
requirement to reduce the amount of a finance charge when a payday loan is paid
off in 30 days or less, nor is this stated anywhere within the loan agreement
she signed.

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: 06/19/2023
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.

The loan original date to pay off was July 6th. The loans interest is based off a 30-day loan. So why is this company stealing my money and making me pay interest on a 30-day loan when I don't have it out that long? If that's not your policy and procedure and the contract show me.

Regards,

****** ****

Business Response
Date: 06/22/2023
To Whom It May Concern:

We have previously investigated the customer’s claims and provided
a detailed response. All terms and conditions of the loan were clearly outlined in the Loan Agreement the consumer signed prior to accepting funds. This includes APR, Finance Charges and Total of Payments. The consumer can reference the Loan Agreement they signed for any additional details they wish to verify. 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: 06/22/2023
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. Show me how my interest is calculated. Isn't the interest from 30 day You can say you have replied all you want to I'm going to reject it until you show me proof that it's not a 30-day worth of interest otherwise it's fraud.

Regards,

****** ****
Business Response
Date: 06/28/2023
To Whom It May Concern:

We would like to thank *** **** for contacting Check ‘n Go
regarding concerns associated with her loan.
This issue was escalated to our Management Team who completed an
investigation into the matter and found that *** **** took out a Loan in the
amount of $175.00. The Finance Charge on
her loan totaled $44.99 and consisted of a $43.75 CSO charge along with $1.24
in total interest. *** **** paid off her
loan early on 6/16/2023 by making a payment of $219.99. This payment included $1.24 in interest that
would have accrued up until the due date of 7/5/2023. *** **** is due a refund of $0.33, as she did
not accrue the entire $1.24 of daily interest- as she paid off her loan early. We would like to apologize for this issue and
confirm that a refund request has been initiated to account for the discrepancy. This adjustment will be applied to the debit
card *** **** used when initiating the transaction and should be credited back
to her within 15 business days. If she
has any additional questions or concerns, we encourage her to contact our
customer support team at ###-###-#### and one of our agents will be able to
assist her.

Sincerely,

Customer Advocacy Team
Corporate Offices of Check ‘n Go
P.O. Box 36454
Cincinnati, Ohio 45236-0454
Customer Answer
Date: 06/29/2023
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. I'm not worried about 33 cents The fees that you charged are based on having the loan out for 30 days. And that case you need to pull every loan that I have had and go back and realize you made a mistake if you owe me $33 that means you owe me for every loan that I've had that I have paid off early. That's not the issue here Your fees are stated they're supposed to be for 30 days out. If the loan is paid off early that means that the fees should be cheaper. I as are my fees based on paying for 30 days or are the fees just the fees. That was my question the entire time.

Regards,

****** ****
Business Response
Date: 07/03/2023
To Whom It May Concern:
We want to thank *** ****** **** for contacting Check 'n Go regarding loan fees. We understand that there is some confusion with the terms and conditions of her loan. We completed an investigation into the matter and advise "the Fees" are listed as the Finance Charge. Finance Charges for *** ****** loan include interest, in the amount of $1.24, and CSO/ CAB Fees, of $43.75. An example of how both are calculated is highlighted on page 1 of 7 of the attached Loan Agreement. The CSO/ CAB fee is based on the amount borrowed, and not the length of the loan. Thus the CSO/ CAB will not be prorated based on an early payoff. The interest on the loan is calculated based on the term of the loan agreed to at the time of origination, in this case, 26 days, in the amount of $1.24. Prepayment can be made without penalty. As seen in the highlighted section of page 1 of 5. The loan Agreement also explains interest will not continue to accrue on any prepaid principal amount following the day of payment. As seen in the highlighted second section of page 1 of 5.
The refund in the amount of $0.33 was issued as a one time courtesy.

We sincerely apologize for any confusion regarding *** ****** loan with us.
Sincerely,
Customer Advocacy Team
Corporate Offices of Check 'n Go
P.O. Box 36454
Cincinnati, Ohio 45236-0454
Customer Answer
Date: 07/05/2023
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. I still think this is incorrect but I'm okay lesson learned.

Regards,

****** ****
Customer Answer
Date: 07/11/2023
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 filed a complaint on this company a month ago trying to get clarification because the customer service doesn't communicate well. I was trying to get clarification on their fees shouldn't the fees be given back if you pay the loan off early. Now that I file the complaint I went back and tried to apply for a loan today July the 11th and it was denied because I filed a complaint. What type of retaliation is this? This type of retaliation shouldn't be permitted. If you hire customer service workers that can communicate there wouldn't have been a better business bureau complaint.

Desired Resolution:
Contact by the business

Business Response
Date: 07/12/2023
To Whom It May Concern:

We want to thank *** **** for contacting Check ‘n Go regarding concerns associated with her recent loan applications. We completed an investigation into the matter and found that *** **** submitted several applications between 7/11/2023 and 7/12/2023. We respectfully disagree that the applications were denied due to *** **** previously submitting a BBB complaint. Our records indicate those applications were denied because CNG was unable to verify her credit history due to a credit freeze currently in place. *** **** was sent a Statement of Credit Denial that provides the reasons behind the credit decision that was made, as well as any third-party credit reporting agency contact information that was used when making the determination. We would advise *** **** to contact the third-party agencies for additional information- as Check ‘n Go has no additional information to provide beyond the details stated in the Statement of Credit Denial she received.

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: 07/12/2023
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.

I have contacted ********. My credit file is not frozen right this moment and I have proof. So that's not true. I tried to apply again earlier today It's still saying that my credit file is frozen but I can send an email and proof that my credit is not frozen

Regards,

****** ****

Business Response
Date: 07/17/2023
To Whom It May Concern:
We want to thank *** ****** **** for contacting Check 'n Go regarding her application. We completed an investigation into the matter and advise we were able to remove the record. We welcome *** **** to reapply; however, we are unable to guarantee her approval as the determination is made by underwriting.

Sincerely,
Customer Advocacy Team
Corporate Offices of Check 'n Go
P.O. Box 36454
Cincinnati, Ohio 45236-0454
Customer Answer
Date: 07/18/2023
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. Practically I was able to apply and be approved every time until I made a better business bureau complaints. Why am I being retaliated against for making a complaint? I have heard the excuse that my credit was locked I have heard the excuse that I'm military or I'm affiliated with the military and neither is true. So why did this happen after I made a better business bureau complaint?

Regards,

****** ****
Initial Complaint
Date:06/15/2023
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 been a customer for years, having my payments automatically taken out each month. I changed bank account May 2023.

My payment came due, but I had the option to refinance, but 5 days after my due date, I no longer had the option to refinance, and my account said I was past due my monthly payment. I called, and set up a payment plan with the first payment made that day on May 18, the next one to be taken out on June 1, and the last July 1. Along with this payment plan, my regular monthly payment was to be taken out also on the due date.

They took my bank info over the phone that day on May 18. Now, nothing is being taken out automatically because apparently I have to fill out a form to change bank information, ok, that's fine. My complaint is as follows.

They sent me an email today after speaking with them, stating I owe 2 payments on the payment plan, after I have already made 2 payments, leaving 1 due on July 1. Along with that, the payment date they are showing me have already paid is not even correct.

I made a payment May 18, and one June 5 for the payment plan, and made my monthly payment today for the full amount. My account should only be one payment behind of the payment plan.

Mind you, I have my bank statements showing when and how much I have paid already.

I have been calling for a month to get this straightened out, and they seem to not know how to help me with my account, but instead wanting to overcharge me!
Business Response
Date: 06/19/2023
To Whom It May Concern:

We want to thank *** ***** for contacting us regarding his
**** Installment loan. We understand that there is some confusion regarding his
payment schedule. After completing an
investigation, we found that *** ***** did make a payment arrangement on his
installment loan, and he agreed to three additional payments to be taken out of
his account in order to bring the loan current.
Our records indicate that his most recent payment was successfully taken
out of his account on 6/15/2023. *** ***** has been in contact with our customer service department and has agreed
to and acknowledged the past due amount on his loan. He advised that he would be paying $253.94 on
7/1/2023 to bring his loan current.

He is more than welcome to pay off his loan early, which
would result in a reduction of the daily interest. The payoff amount changes daily and adjusts
according to the amount of daily interest accrued. He may contact customer support at any point
to request an up to date payoff amount. He
can reach customer support at ###-###-####.

Sincerely,

Customer Advocacy Team
Corporate Offices of ****
P.O. Box 36454
Cincinnati, Ohio 45236-0454
Customer Answer
Date: 06/19/2023
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,

******* *****
Customer Answer
Date: 06/19/2023
The dates they are stating are still not right. I set up a payment plan on May 18th, made a payment that day, made another payment with the payment plan on June 5th, and will make my last payment on July 1st to complete the payment plan. I made a regular payment on my account June 14th.
My online account is still showing I'm behind more than I should be.
Business Response
Date: 06/26/2023
To Whom It May Concern:

We would like to thank *** ***** for contacting Check ‘n Go
regarding concerns associated with his loan balance and past due amount. After completing an investigation, we found
that *** *****’s payments were correctly applied to his account, and that his
account balance and past due amounts are accurate in our system. This was communicated to him when he spoke
with a customer service agent on 6/16/2023.
It is possible that the **** app used to access account details has not
updated his payment information, however we would like to clarify that his
account balance and recent payments are reflected correctly in our system. We ask that he allow 3-5 business days for
his **** account to update and reflect the information he is seeking. If he has any additional questions or
concerns, or if he would like to speak with a representative *** ****** can contact
Customer Support at ###-###-####, and one of our friendly agents will be able
to assist him.

Sincerely,

Customer Advocacy Team
Corporate Offices of ****
P.O.
Box 36454
Cincinnati, Ohio 45236-0454
Customer Answer
Date: 06/28/2023
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,

******* *****
Customer Answer
Date: 06/29/2023
It has been well passed the 3-5 business days for my online account to be updated, and it has not been. I understand they say their system is up to date, but I am not comfortable with me not seeing the same as they are seeing. Also, I am not *** ******, I am *** *****. They stated my name correctly in the beginning of their last response, but failed to at the ending. But I'm supposed to trust their system is up to date??
Business Response
Date: 07/03/2023
To Whom It
May Concern:
We would
like to thank *** ***** for contacting **** regarding concerns associated with
his loan. The **** 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.
During our
investigation we reviewed all documents, notes, and recorded phone
conversations pertaining to the complaint. We found that *** ***** signed an
Installment Loan Agreement with ****** on 8/03/2022 for $5,000.00 with a
finance charge of $6,773.45, for a total due of $11,773.45. The Installment
Loan Agreement contained the Annual Percentage Rate of 144.87% along with the
Finance Charge, Amount Financed, Total of Payments, and an 18-month Payment
Schedule. Monthly payments of $692.65 began on 8/29/2022 for a total of 17
payments. Records indicate copies of the loan agreement,
and all federally required disclosures were provided to *** ***** through
email.
While
reviewing *** *****’s account it was found that he did make the first 4 regular
payments on 8/29, 9/29, 10/29 and 11/29. On 12/28 *** ***** called **** Customer Support and requested a due date
change. The agent was able to move payments to the 13th of each
month starting 1/13/2023. The due date changes extended *** *****’s payments
until 2/13/2024. The next 4 regular
payments on 1/13, 2/13, 3/13 and 4/13 were processed as normal. The 5/13 payment
was returned by *** *****’s bank, and new account information would be required.
On 5/18 he spoke with an agent and agreed to a payment arrangement to collect
the past due balance. The agreed upon arrangement was for 3 payments of $230.85
on 5/18, 6/01 and 7/03. During that time his regular June payment would also
come due on 6/13.
As of 7/03/2023
*** *****’s account is current (see attached Summary). Normally, it does take
3-5 business days for the **** loan information to update and reflect the most
recent payments. Please keep in mind holidays and weekends do not count as
business days. The website should
reflect a payment of $692.55 is due on 7/13/2023, as reflected in the Summary. If
after the proper timeframe the online account does not properly reflect
payments *** ***** is more than welcome to call **** Customer Support.
We would
also like to remind *** ***** that he does not currently have an active
checking account on his loan, and because of this he is responsible to call in
**** Customer Support each month and make his payment using a debit card. If he
would like to update his bank account information he would simply need to completely
fill out the Change of Account form that was sent to him on 6/5/2023, and email
it back to Customer Support.

We also
sincerely apologize for the mistake on the name used within our response.
We trust
this information is responsive to the request.

Thank you,

**** Loan
Customer Advocacy Department
7755 Montgomery Rd., Suite 500
Cincinnati, Ohio, 45236
###-###-####
www.****.com/contact
Initial Complaint
Date:06/06/2023
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.
Received a letter titled "Civil Lawsuit" from ******** Legal Group stating I owed $1181.22 from a loan back in 2012. I do not recall this debt and have not received any notification and/or paperwork prior to this regarding the matter. I have attempted to validate information with Check N Go but they have advised they do not have any information regarding this. I did mail a certified letter to this ******** Legal Group requesting debt validation.
Business Response
Date: 06/08/2023
To Whom It May Concern:

We want to thank *** ***** for contacting Check ‘n Go
regarding her concerns associated with the letters she has been receiving from
a collection agency. We completed an investigation into the matter and can
confirm that there are no accounts matching the personal information she
provided 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
Customer Answer
Date: 06/08/2023
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:05/26/2023
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.
In December of 2022 i opened a installment loan with check n go i received a loan for $2025.00 with my payments being $206.17 bi-weekly. my payments are taken from my account biweekly by the company even though i never asked for autopay. i have made 11 payments so far as of May 19,2023 my next payment is not due till June 2,2023. i have paid $2,267.87 of the $2025.00 i received. i was told i had to pay back $5,000 when i only got $2,000. i called the company and asked for a copy of my loan agreement and what i saw on my loan agreement concerned me. per the agreement your loan amount is based off your credit score. a credit check was never ran on my ssn instead the company puts everybody score over 800 so that they can get a higher loan amount back so that you can pay back 20x more then what you actually would have been approved for based off your actual score. i called the company about this and was hung up on. since then i have gotten repeated phone calls stating that im behind on my payments when my payments are automatically taken from my account biweekly and i haven't missed a payment. this company has sent my bank account into the negatives a few hundred dollars more then once claiming they are not receiving my payments that they are automatically taking out of my account. i have had to call several times and send several emails with screenshots of my bank account proving i made the payment only for them to continue to make over drafts my account with no resolution which results in overdraft fees. i have spoken to several mangers and my issues have not been resolved. they call me 5-6x a day saying i owe when i don't and nobody wants to fix the issue at all. i asked several times to stop receiving these calls its to the point they are harassing me and i blocked the number. The company is falsifying customer information on the loan documents so that they can receive the higher payback amount fee from its customers which is a finical gain for them.
Business Response
Date: 05/30/2023
To Whom It May Concern:

We want to thank *** ***** for contacting Check ‘n Go
regarding her installment loan. We understand that there is some confusion with
the terms and conditions of her loan. After completing an investigation into
the matter, we found that *** ***** agreed to the terms of her Loan Agreement
when she took out an installment loan on 12/5/2022 in the amount of $2,025.00. According to the Loan Agreement she signed
prior to accepting funds, her loan contained an Annual Percentage Rate of 212.02%,
Finance Charges of $2,922.88, for a total due of $49,47.88.

Our records indicate there have been multiple installment
payments that were returned by her bank for insufficient funds. It is important to remember that whenever an
installment payment is not successful- the daily interest associated with that
installment continues to accrue until the payment is made up. The combined daily interest accrued on these
missed payments caused herr outstanding loan balance to increase beyond the
initial projection.

*** ***** is more than welcome to pay off her loan early,
which would result in a reduction of additional daily interest. The payoff amount for Xact loans changes
daily and adjusts according to the amount of daily interest accrued. She can contact customer support at any point
to request an up to date payoff amount. She
can reach customer support at ###-###-####.

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:05/22/2023
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 received a letter in the mail from Vanguard Legal Group threatening to take legal action against me for a $400.00 Check N Go loan from June 2012 and wants an amount of $1,112.95 by May 19, 2023. I had already settled this matter back on Feb 19, 2021 with Preston, S****, & Associates & contacted Vanguard. The lady at Vanguard gave me an email to dispute which came back undeliverable. I contact Vanguard again, a different lady tried to give me another email that she fumbled with so I asked to speak with a supervisor or manager. I was told that there were none available and question the validity of this civil lawsuit. I emailed my attached paperwork & have not heard anything back. I don't know how they would get most of the information on this civil lawsuit notification without Check N Go releasing but this matter has been legally settled in full.
Business Response
Date: 05/23/2023
To Whom It May Concern:

We would like to thank *** *****
for contacting Check ‘n Go regarding the
collection calls she has been receiving. We completed an investigation into the matter
and can confirm that *** ***** took out a payday loan on 6/1/2012 in the amount
of $400.00. Our records indicate that
loan defaulted and was sold to ****** **** ******** on 9/25/2012 with a balance
of $475.00. We would have no additional
information to provide as we are not the current owner of *** *****’s debt and
have not contacted her since the date of sale referenced above. Per the
documentation provided, it appears *** ***** has settled her debt with a third-party
legal agency. We would advise her to
contact the third-party agency with any additional questions or concerns
associated with her account.

Sincerely,

Customer Advocacy Team
Corporate Offices of Check' n Go and Allied Cash Advance
P.O. Box 36454
Cincinnati, Ohio 45236-0454
Business Response
Date: 05/23/2023
To Whom It May Concern:

We would like to thank Ms. ****r
for contacting Check ‘n Go regarding the
collection calls she has been receiving. We completed an investigation into the matter
and can confirm that Ms. ****r took out a payday loan on 6/1/2012 in the amount
of $400.00. Our records indicate that
loan defaulted and was sold to United Debt Holdings on 9/25/2012 with a balance
of $475.00. We would have no additional
information to provide as we are not the current owner of Ms. ****r’s debt and
have not contacted her since the date of sale referenced above. Per the
documentation provided, it appears Ms. ****r has settled her debt with a third-party
legal agency. We would advise her to
contact the third-party agency with any additional questions or concerns
associated with her account.

Sincerely,

Customer Advocacy Team
Corporate Offices of Check' n Go and Allied Cash Advance
**** *** *****
Cincinnati, Ohio 45236-0454
Initial Complaint
Date:05/22/2023
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.
Date of occurrence 5-22-2023
At 1:16pm
Okc check n go ###-###-#### keeps calling me. I filed a BBB complaint against them over a week ago requesting no further contact.

The BBB forwarded a response from check n go stated they NEVER contacted me.
I replied with numerous screen shots showing dates and times they called me, leaving vmails including the 3 times I was hung up on.

The BBB Said complaint was closed.

Check n go called again today.
Attached is a screen showing time, their phone # etc. ******* called asking to speak with me. I said, this is *********. She asked me to verify MY information. I asked what this is regarding. She said, you have an account with us.
I said, yes I do. I said I have 1 payment left & have never been late. I asked what it is regarding. She said, have a nice day and hung up.

I've asked the BBB to make them stop contacting me, I have chronic pain & am on disability.
This is the 2nd complaint I submitted to the BBB.
I just want to be left alone.

********* ******
Business Response
Date: 05/23/2023
To Whom It May Concern:

We would like to thank Mr. ****** for contacting Check ‘n Go about the phone
calls he has been receiving. Per his request, we have placed his phone number
on our “Do Not Call” list, and have removed his email address from our direct
marketing databases. We ask that Mr. ****** allow 15 business days for these
changes to take effect.

If he should have any additional
concerns, he can contact us directly at checkngo.com/contact.

Sincerely,

Customer Advocacy Team
Corporate Offices of Check' n Go and Allied Cash Advance
P.O. Box 36454
Cincinnati, Ohio **********
Customer Answer
Date: 05/24/2023
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:05/19/2023
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 Wednesday 5/18 I received a call from Kelly S**** stating I have a case opened against me and I need to contact the plantiff office. I reached out to the number provided ###-###-#### which led me to the *** ****** ** ****** *** *****. The representative confirmed the last four of my social, address and last 4 of my bank acct. She stated that I defaulted on a check advance for 500 dollars and was now being sued for over 4k. I have done business with Check N Go in the past but have never, that I can recall, defaulted on a loan with them. This individual also contacted my husband and mother in *******.
Business Response
Date: 05/22/2023
To Whom It May Concern:

We want to thank ****** ***** for contacting Check ‘n Go
regarding the collections calls they have been receiving. We completed an investigation into the matter
and can confirm that the customer did take out a payday loan on 11/15/2007 in
the amount of $300.00. Our records
indicate that loan defaulted and was written off on 2/12/2008 with a balance of
$350.00. We were unable to locate any
accounts that reference a $4,000 debt as the customer stated.

If they would like to discuss this matter in further detail
they can contact our Customer Support team at ###-###-#### and one of our
collection agents will be able to assist them.

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: 05/22/2023
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,

****** *****

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