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: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
Initial Complaint
Date:01/07/2023
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 today, but I have never heard of them or opened an account with them. This is fraudulent. The only thing I did on 11/8/22 was go to the dentist when my crown broke.
Business Response
Date: 01/09/2023
To Whom It May Concern:
We want to thank Ms. ******* ******** for contacting Check ‘n Go regarding ID Theft. We have completed a preliminary investigation and advise that the matter has been referred to our Fraud team for further review. Once the Fraud team has completed their investigation, they will notify Ms. ******** of their results; either by letter or email. If the Fraud Analyst assigned to her case needs additional information, they will reach out to her. If the case is confirmed for fraud, Check ‘n Go will work with Ms* ******** to remove any information on her credit file associated with the matter.

If Ms. Phillips would like to contact the Fraud Department directly, she may call ************ and one of our associates will be able to assist her.

Sincerely,
Customer Advocacy Team
Corporate Offices of Check' n Go and Allied Cash Advance
**** *** *****
Cincinnati, Ohio 45236-0454
Initial Complaint
Date:12/30/2022
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 barrowed $135. Set up to make 4 payments of $60 a month. They refused to change my due date to the 1st day of the month. My bank charged me $25 over draft. I even blocked Check N Go from taking money out of my account. Somehow they still took out the money. I had $185 taken out altogether.
Business Response
Date: 01/11/2023
To Whom It May Concern:
We want to thank *** ****** ********* for contacting Check ‘n Go regarding her loan. We understand that there is some confusion with the terms and conditions of her loan. We completed an investigation into the matter and advise *** ********* took a payday loan on 10/21/2022. The due date was set as 11/29/2022 in the amount of $157.48. *** ********* requested to refinance her loan, so on 11/28/2022 the fee for the refinance was submitted. That fee was returned by her bank on 12/02/2022.
Our Customer Service Team made multiple attempts to reach out to *** ********* to speak with her about her account but they were unable to make contact. We ask that *** ********* call Customer Service so we can speak with her about the account. Please call ###-###-####.

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: 01/12/2023
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. This company refused multiple times to change the due date of my payments. My bank charged multiple over draft fees due to my money not being deposited until the first of every month. I was lied to and charged more money that was barowed. On Their error. Not mine.

Regards,

****** *********
Business Response
Date: 01/12/2023
To Whom It May Concern:
We want to thank *** ****** ********* for contacting Check ‘n Go regarding her loan. We completed an investigation into the matter and advise this is a duplicative complaint that was previously answered on 1/11/2022. No additional facts or circumstances have been provided that would require a different answer.

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:12/27/2022
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.
******** and *** in ************ **. The business was locked, I knocked on the door and they buzzed me in, I had my son with me and they would not allow my son accompany me. I am disabled. I had previously spoke with someone by the name of Keisha new that I would be coming. I spoke with Keisha during this time. I wanted a 300 dollar loan but when I left the store I noticed that I had a 1000.00 loan instead. I was given a credit instead of a check. Even when I was informed that I was would be given a check. I went in person to Check N Go in ************ **. on ******** and *** The address (**** * ******** *** ************ ** *****) I informed them that I did not want that amount, and that I would pay the interest. They would not take the card back. I did not feel safe in the store because the had the doors locked and I feel like they were not listening to me while I was informing them that I did not want that amount. I do not want to pay 305 percent for a loan in the amount of 1000.00 that I did not ask for. I wanted to borrow 300.00
Business Response
Date: 01/06/2023
To Whom It May Concern:
We want to thank *** ******* ***** for contacting Check ‘n Go regarding her loan. We understand that there is some confusion with the terms and conditions of her loan. We completed an investigation into the matter and advise we tried calling to discuss *** ****** concern; however, the phone number we have on file is disconnected. We also tried to reach out via email, but the email was returned undeliverable.
We were able to review store camera footage and would like to respond to the claims made. For the safety of our customers and staff the doors of the location are locked and customers are buzzed in. At no time did the staff deny *** ****** son entrance. He did not attempt to come in the location with her when she entered. Towards the end of the transaction her son did try to enter and one of the associates asked if the son was with *** ***** and then unlocked the door. the son did not enter the location. One of our associates then went outside and spoke with her son for a few minutes while she was on break.
*** ***** stated she asked for $300 but the loan was originated for $1000. Again store footage and audio was reviewed. The associate explained to *** ***** that the max amount she was qualified for was $1010 and what the payments would be for that amount. At no point does *** ***** say anything about $300. She agrees to the terms of the $1010. The associate did review the terms of the loan agreement with *** *****. The option of a check or a ******** prepaid card was given to *** ***** and she chose to take a ******** card. It was also explained that *** ***** could rescind her loan in cash until close of business the day after the loan was originated. We cannot accept the ******** back as payment in order to rescind the loan.
*** ***** is more than welcome to payoff her loan at any point and apply for another loan.

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:12/27/2022
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 got call from 872 claiming that i had loan from 2015 for $1200. claiming EZ money services from check n go. i asked them to valid debt. they havent. is this scam or legit ? im getting robocalls and nonstop harassment. i never took loan.
Business Response
Date: 12/28/2022
To Whom It May Concern:
We want to thank Mr. ******* ***** for contacting Check ‘n Go regarding his previous loan. We completed an investigation into the matter and advise per Mr. ******* *******, Validation of Debt documentation has been initiated and will be sent to the physical address provided in his feedback. Mr. ***** should receive these documents within 30-45 days.
Sincerely,
Customer Advocacy Team
Corporate Offices of Check' n Go and Allied Cash Advance
**** *** *****
Cincinnati, Ohio **********

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