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

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:03/13/2023
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.
******/CNG this is a written request for you to cease and desist all forms of communication with me effective immediately.
12 CFR § 1006.6(c)(1)
(c) Communications with a consumer—after refusal to pay or cease communication notice—
(1) Prohibition. Except as provided in paragraph (c)(2) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.
15 USC 1692 (c)c
(c)Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except—
(1)
to advise the consumer that the debt collector’s further efforts are being terminated;
(2)
to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or
(3)
where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Furthermore, you have no jurisdiction or authority to collect on this alleged debt.
(b)Authorization of actions
Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.
volenti non fit injuria
Volenti non fit injuria is Latin for “to a willing person, it is not a wrong.” This legal maxim holds that a person who knowingly and voluntarily risks danger cannot recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine.
You ******/CNG knowingly and willingly purchased or were assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CANNOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUMED TO TAKE ON “ Volenti non fit injuria “
Delete this alleged debt from your database and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
Account Number: *********
Business Response
Date: 03/16/2023
March 15,
2023
Ref. No. ********
Re: ********
*********; BBB
Dear *** *********,
Thank you
for the correspondence regarding your 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.

Your
contact information has been updated in our system, and per your request- your
phone number(s) and email addresses have been added to our Do Not Contact
database. Please allow 10-15 business days
for these changes to take effect.
Thank you,

Xact Loan
Customer Advocacy Department
7755 Montgomery Rd., Suite 500
Cincinnati, Ohio, 45236
###-###-####
********************
Initial Complaint
Date:03/10/2023
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.
For the last week I keep getting calls from ###-###-####. A lady calls and asks me to confirm my name. I asked where she was calling from and wouldn’t state where (which is illegal). I looked the number up and it’s to a check n go. I have never used their services, no desire them. I only get loans from my banking institution. I would kindly like for them to stop calling since I have no clue where they would have gotten my information, and I have never utilized their services. I don’t believe in high interest loans. When I ask to be removed from their list, the lady gets rude, I’m not sure what this is all about but needs to stop. Probably a scam. This happens daily now at different times in the day. Whatever they are selling, I’m not buying.
Business Response
Date: 03/14/2023
To Whom It
May Concern:

We want to thank *** ***** for
contacting Check ‘n Go regarding the calls she has been receiving from someone
claiming to be a representative from Check ‘n Go. We completed an investigation into the matter
and can confirm there
are no accounts matching her information in our system.
We appreciate her 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: 03/14/2023
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:03/02/2023
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.
This company, Check N Go, has hired several scam debt collectors that are calling me several times a day on my landline phone number and my mobile phone number. They are trying to reach my mother. When I inform them that I am her daughter and that they are calling the wrong numbers, they still continue harassing me on the phone. One man named Michael, who claimed he was calling from a company called “******** ********”, even threatened me and was telling me all kinds of private information he knows about me, such as my social security number, the length of time I have been a court reporter, my driver’s license information, and other very personal and private information about me. He is obviously looking me up on the internet or getting my private information by some other means. Again, I am not even the person they are trying to reach and they have my mother’s mobile phone number, but they prefer to harass me, the daughter, on a daily basis, even saying derogatory things about me, et al. I know it is illegal to harass a debtor’s family members who have nothing to do with whatever debt it is. I have called two law offices today about this issue, so I would advise Check N Go to cease and desist from calling MY phone numbers — ###-###-#### and ###-###-####…!!!
Business Response
Date: 03/03/2023
To Whom It May Concern:

We want to thank *** ********* for contacting Check ‘n Go
regarding the 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 there are no
accounts matching the information you provided in our system.

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:02/28/2023
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 had a payment due on the 10th of February and I still haven't received my paycheck yet and I just so happen to check my account and I see that there was a payment withdrawn out of my account without my consent because I did not sign up for auto withdrawal or auto pay. I contacted the feedback hotline, and they told me to reach out to the store I reached out to the store, and they told me to reach out to the feedback hotline. I do not appreciate them going into my account to begin with knowingly that I never miss a payment and I don't appreciate the fact that I am getting bounced around without a resolution. I would like for that to be refunded back to my account and the autopay removed from that account because I can make my payments on my own. Ever since I opened this loan it has been nothing but bad customer service and headaches.
Business Response
Date: 03/07/2023
To Whom It May Concern:

We want to thank *** ***** for contacting Check ‘n Go
regarding her customer service concerns. We sincerely apologize that her recent
experience with Check ‘n Go didn’t meet her expectations. After completing an investigation into the
matter, we confirmed that she was able to resolve her issue at the store level
after speaking to the District Director of Operations overseeing her retail
store. Her case was shared with the
Retail Management team who reviewed and addressed the issue appropriately.

We want to thank *** ***** for taking the time to share her
concerns and want to ensure her that her feedback is greatly appreciated. It’s our goal to make every customer
experience a positive one and her feedback will help us achieve that. If *** ***** has any additional questions or
concerns, she can 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:02/21/2023
Type:Service or Repair 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 wanted to visit dad today which is February 6,23.
I was applying for a loan representative that helped me and spoke all of my M personal information out loud while others were in the store. When I asked her to stop she started to shove the papers in an very nasty way. Once she put my information in and determined that she was not going to give me service , which was fine she stated your loan was decline. I was fine with that and I asked her to return my personal info she stated NO, Im keeping . I asked again nice, and she said No. The lady and I did not hit it off, my personal info was left in her hands . Bank Acct, address, job, phone, I am very fearful of this lady doing harm to me. I will never come into this place again.
Business Response
Date: 02/24/2023
To Whom It
May Concern:

We want to
thank *** ****** for contacting Check ‘n Go regarding her recent experience at
a Check ‘N Go retail store. We sincerely apologize that her recent experience
with Check ‘n Go didn’t meet her expectations.

In order to
comply with various consumer protection laws, we are required to maintain
records associated with every financial transaction and loan application. Record retention requirements include (but
are not limited to) bank records, addresses, phone numbers, social security
information and employment documents associated with every loan application
submitted. These records are required to
be kept by our State and Federal Regulators and are often analyzed to ensure
consumers are receiving equal and fair access to credit.

*** ********
comments have been provided to our Retail Management Team and her concern is
being investigated. We can assure her
that her concern is being taken very seriously and will be addressed
appropriately.

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:02/08/2023
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.
My husband was trying to get his credit started. He we to these people to take out a small loan. This company promised him this would help build his credit up. So he got a $1,500 dollar loan. It was a 20 month loan to be paid back at $151.00 dollars every two weeks. In December 2022 he was told that it was completely paid off. Then at the end of January 2023 he received a letter in the mail stating that he still owed $1,000 dollars. He has called this place over and over again just to be rudely told by their employees he still owes more money!! We’ve tried to get a contact number for a home office over these people, but they say there’s not one. Then they say here’s a feedback number for you to call. We’ve called that 5 different times thinking a person higher up might call us back. Well this morning February 7, 2023 my husband received an email from this business home office with a number to call (FINALLY)! My husband (politely) called to talk to them about this nightmare of a situation. Only to deal with rude employees (once again) telling him that he owes $1,500 hundred dollars again!! Doesn’t matter how he explained that was wrong, the proof he tried to provide to show them, or even just explaining everything to this company. They just refuse to listen to what’s said, refuse to receive any kind of documentation to show it’s been paid, and refuse to let anyone speak to a person who could actually do something about the amount that’s wrong! Someone in there company has messed up majorly!! Not sure if their employee done this on purpose trying to make money for themselves, or they hired somebody who can’t add/subtract on a computer!! All I know is something is going on to triple a customer’s loan with no remorse for hurting anyone!! Someone needs to get to the bottom of this situation cause we’re not paying another dime to this money laundering company!! Obviously we can’t get anything from them no matter what we do! Check N Go needs to be shutdown completely!!
Business Response
Date: 06/19/2023
To Whom It May Concern:

We want to thank **** ****** for contacting Check ‘n Go. Unfortunately,
we are unable to provide account details or information to anyone other than
the account owner or an authorized user.
This is a matter of corporate policy, and these procedures are in place
to protect the identity and personal information of our customers according to
Federal and State Consumer Privacy Laws.

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:01/28/2023
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

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