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Business Profile

Check Cashing Services

Check N Go

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Check Cashing Services.

Complaints

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

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    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:12/08/2022

      Type:Billing Issues
      Status:
      Answered
      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.
      Louis with extension 409 called from number: ###-###-#### on 12/08/22 and told me I have a loan from 2016 with check and go. I have never even heard of this company and did not get a loan. Please investigate this matter.

      Business Response

      Date: 12/09/2022

      To Whom It May Concern: 

      We want to thank *** **** ********* for contacting Check ‘n Go regarding the calls *** ********* has been receiving from someone claiming to be a representative of Check ‘n Go. We completed an investigation into the matter and advise we can confirm that there are no accounts matching *** *********** information 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:12/01/2022

      Type:Billing Issues
      Status:
      Answered
      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 reached out to CCBANK/CNG. They have failed to provide proof of validation regarding a debt that does not belong to me. They have furnished this alleged debt on my consumer report and have failed to validate the alleged claim pursuant to Sec. 809(b)of the Fair Debt Collection Practices Act and according 609(a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand this item be removed from my credit report immediately. CCBANK/CNG you are furnishing inaccurate and incorrect information to the consumer reporting agencies.
      The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.
      You and your inaccurate reporting have damaged my livelihood.
      15 U.S. Code § 1681s–2 - Responsibilities of furnishers of information to consumer reporting agencies
      (a)Duty of furnishers of information to provide accurate information
      1) Prohibition
      (A)Reporting information with actual knowledge of errors
      A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
      Duty: a moral or legal obligation; a responsibility
      Accurate: correct in all details; exact.
      Prohibition: a law or regulation forbidding something
      As Defined by The IRS
      Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.
      The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
      Account Number: *********

      Business Response

      Date: 12/07/2022

      Dear Consuelo, 


      Thank you for the correspondence regarding the Xact Loan terms and conditions. The Xact Loan is an installment loan originated and funded by ******* ********* **** (“CCBank”), 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 and notes pertaining to the complaint. We found that *** ******** electronically signed an Installment Loan Agreement with CCBank 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 210.44% along with the Finance Charge, Amount Financed, Total of Payments, and an 18-month Payment Schedule. Bi-Weekly payments of $273.62 began on 8/06/2021 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 you through email. 


      The request for Validation of Debt has been submitted and will be mailed to the physical address provided in complaint. The Validation of Debt documents should be received within 30-45 days.


      This complaint has also been forwarded to the appropriate department for the credit dispute to be reviewed. We ask for *** ********** patience while this concern is being reviewed. If necessary, we will reach out to *** ******** at the contact information provided to discuss this case. 


      We trust this information is responsive to the request. 

      Thank you, 
      Xact Loan Customer Advocacy Department 
      7755 Montgomery Rd., Suite 500 
      Cincinnati, Ohio, 45236 
      ###-###-#### 
      www.xact.com/contact 

    • Initial Complaint

      Date:11/30/2022

      Type:Billing Issues
      Status:
      Resolved
      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.
      Email stating I owe them money

      Business Response

      Date: 12/01/2022

      To Whom It May Concern: 

      We want to thank *** ******* ****** for contacting Check ‘n Go regarding the emails he has been receiving from someone claiming to be a representative of Check ‘n Go. We completed an investigation into the matter and advise we can confirm that there are no accounts matching *** ****** information 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 

      Customer Answer

      Date: 12/01/2022

      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,



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

    Check N Go is NOT a BBB Accredited Business.

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