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

197 total complaints in the last 3 years.
32 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:10/05/2022
Type:Sales and Advertising 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.
Me and my family have recently been receiving calls from a “Law firm” threatening litigation for fraudulent check that I allegedly signed digitally for $1000 to pay Check N Go, which in ********** is a felony charge. I used Check N Go once for a payday loan for $250, and that was way back in 2014…Why would I digitally write a check for $1000 to cover $250 charge? I have googled the name of this firm that has been harassing me and my family and I cannot find any information on them, however they claim to be legal representation for Check N Go. I have no clue what this is and it is completely unacceptable.
Business Response
Date: 10/07/2022
To Whom It May Concern:
We want to thank *** ******* ******* for contacting Check ‘n Go regarding his previous loan. We completed an investigation into the matter and advise our records indicate that the loan defaulted and was sold to ****** **** ******** on 05/21/2015 with a balance of $315. 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 *** ******* since the date of sale.

We sincerely apologize for any confusion regarding *** ******** loan with us. We do not conduct business in this manner.

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:10/04/2022
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 received a loan for 1,700 dollars that has been paid back and, them some. Its messing up my bank account and I'm being charged overdraft fees. They loaned me 1,700 and they want 5, 764 that's just crazy. Loan sharks do even break your thumbs for that. It's predatory lending at its finest. They have been paid back and made a good amount in interest. I'm being taken advantage of. They have been paid back more then enough. It's putting me back where I was when I got the loan. They have been paid in full.
Business Response
Date: 10/07/2022
Dear *******
******:

Thank you for your
correspondence regarding the Xact Loan terms and conditions. The Xact Loan is
an installment loan originated and funded by ******* ********* **** (“******”),
a **** Chartered bank, located in ***** ****, Member FDIC. We have reviewed your 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 your complaint. We found that you signed an
Installment Loan Agreement with ****** on 5/20/2022 for $1,700.00 with a
finance charge of $4,064.62, for a total due of $5,764,62. The Installment Loan
Agreement contained the Annual Percentage Rate of 221.29% along with the
Finance Charge, Amount Financed, Total of Payments, and an 18-month Payment
Schedule. Copies of the loan agreement and all federal required disclosures
were provided to you prior to accepting the loan. ******** Xact Loan was
designed to provide consumers, with little or poor credit histories, an opportunity
to solve short-term financial needs and was created with the intent of
providing consumers with a tool to build or establish their credit history, if
properly managed.

We concluded that
you were aware of, and subsequently approved the terms and conditions of the
installment loan. We respectfully decline your request to forgive the remaining
balance on your loan. Please be advised that ****** is governed by both federal
banking laws and the laws of the State of **** and there is no limitation imposed
on the interest rates associated with your loan.
We trust this
information is responsive to your request.

Thank you,

Xact Loan Customer
Advocacy Department

7755 Montgomery
Rd., Suite 500
Cincinnati, Ohio,
45236
###-###-####
www.xact.com/contact

Business Response
Date: 10/07/2022
Dear Therron
Rivers:

Thank you for your
correspondence regarding the Xact Loan terms and conditions. The Xact Loan is
an installment loan originated and funded by Capital Community Bank (“CCBank”),
a Utah Chartered bank, located in Provo Utah, Member FDIC. We have reviewed your 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 your complaint. We found that you signed an
Installment Loan Agreement with CCBank on 5/20/2022 for $1,700.00 with a
finance charge of $4,064.62, for a total due of $5,764,62. The Installment Loan
Agreement contained the Annual Percentage Rate of 221.29% along with the
Finance Charge, Amount Financed, Total of Payments, and an 18-month Payment
Schedule. Copies of the loan agreement and all federal required disclosures
were provided to you prior to accepting the loan. CCBank’s Xact Loan was
designed to provide consumers, with little or poor credit histories, an opportunity
to solve short-term financial needs and was created with the intent of
providing consumers with a tool to build or establish their credit history, if
properly managed.

We concluded that
you were aware of, and subsequently approved the terms and conditions of the
installment loan. We respectfully decline your request to forgive the remaining
balance on your loan. Please be advised that CCBank is governed by both federal
banking laws and the laws of the State of Utah and there is no limitation imposed
on the interest rates associated with your loan.
We trust this
information is responsive to your request.

Thank you,

Xact Loan Customer
Advocacy Department

**** ********** **** ***** ***
Cincinnati, Ohio,
45236
***** ********
********************

Customer Answer
Date: 10/07/2022
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,

******* ******
Business Response
Date: 10/11/2022
Thank you for your correspondence regarding the Xact Loan terms
and conditions. We've received your rejection; however, no details were
provided. We continue to support that our previous submission is responsive to
your request.

Thank you,

Xact Loan Customer Advocacy Department
7755 Montgomery Rd., Suite 500
Cincinnati, Ohio, 45236
###-###-####
www.xact.com/contact
Customer Answer
Date: 10/14/2022
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,

******* ******
Business Response
Date: 10/17/2022
Thank you for your correspondence regarding the Xact Loan terms and conditions. We've received your rejection; however, no details were provided. We continue to support that our previous submission is responsive to your request.

Thank you,

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

Business Response
Date: 10/17/2022
Thank you for your correspondence regarding the Xact Loan terms and conditions. We've received your rejection; however, no details were provided. We continue to support that our previous submission is responsive to your request.

Thank you,

Xact Loan Customer Advocacy Department
**** ********** **** ***** ***
Cincinnati, Ohio, 45236
***** ********
********************

Customer Answer
Date: 10/20/2022
Better Business Bureau:

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,

******* ******
Customer Answer
Date: 10/20/2022
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,

******* ******
Initial Complaint
Date:10/03/2022
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.
Store customer service agent, Julie, gave me uneducated poor information trying to talk me into applying a lump sum payment to my number of payments and not my balance to save money. This is a simple interest loan and interest accrues daily. I informed, Julie, she was wrong and if I shorten the life of the loan by reducing my balance I'm not paying the interest as long. She still argued with me and has been wrongfully trained. I don't know if this is intentional misinformation or not but the outcome is the same. Borrowers are being fleeced from their money if they are following this agent's loan advice.
Business Response
Date: 10/07/2022
Dear *** ****** *****,

We would like to
thank you for providing us with this feedback and we appreciate the opportunity
to respond. We reviewed your account and asked your store’s District Manager
(DM) to reach out to you. The DM reported that she was able to speak with you
and answered the concerns that you had with your account. We apologize for any
misunderstanding that you previously had with the store; however, we are happy
that you now have a clearer understanding of your loan's terms and conditions.

Thank you,

Customer Advocacy Team
Corporate Offices of Check ‘n
Go and Allied Cash Advance
P.O. Box 36454
Cincinnati, Ohio 45236-0454
Phone: ###-###-####
Website:
www.checkngo.com/contact
Initial Complaint
Date:10/03/2022
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 getting robotic calls from Check n Go claiming I owe them money. When I press the Number 1 to talk to someone and explain that I have never heard of them and that I do not owe them any money they hang up on me. But I still get calls from them. I do not know how to keep them from calling me and how to solve this situation. I think its a scam to try to get me to give them my banking information.
Business Response
Date: 10/04/2022
Hello Ms. Karen
Berry,

We would like to
thank you for providing us with this feedback and we appreciate the opportunity
to respond. We understand that you’ve been receiving calls from someone
claiming to be a representative from Check ‘n Go. We can confirm that there are
no accounts matching your information in our system. Although we do sympathize with
you, we are not able to control what other companies do.

Thank you,

Customer Advocacy
Team
Corporate Offices
of Check ‘n Go and Allied Cash Advance
P.O. Box 36454
Cincinnati, Ohio
45236-0454
Phone:
###-###-####
Website:
www.checkngo.com/contact

Customer Answer
Date: 10/04/2022
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID 18158905, and find that this resolution is satisfactory to me.

Regards,

Karen Berry
Initial Complaint
Date:09/20/2022
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.
Since 2020 I've been getting scam calls that I owe them money when I don't. Theykeep saying it's from like 2013ish. I've paid the scammers once b/c they called so much it was stressing me out and I hoped that paying them would make them go away. Stupid me. They never stopped and keep asking me for more money and giving bogus account info.

They have reached out to family and distant non family asking for me and stating I owe money. Not true. My credit report has been checked several times and is clean as a whistle. My credit score is the best it's ever been and I have nothing outstanding.

I don't know how to get this to go away. It's been 2 1/2 years and they call at least 3x per day.

Help!
Business Response
Date: 10/04/2022

To Whom It May
Concern,

We would like to
thank you for providing us with this feedback and we appreciate the opportunity
to respond. We’ve reviewed the account and advise that our records indicate
that the loan defaulted and was sold to ****** **** ******** on 09/24/2013 with
a balance of $348.30. 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. Regarding the calls, we do sympathize with the complainant; however,
we are not able to control what other companies do. Additionally, Check ‘n Go
does not conduct business in that manner.

Thank you,

Customer Advocacy
Team
Corporate Offices
of Check ‘n Go and Allied Cash Advance
P.O. Box 36454
Cincinnati, Ohio
45236-0454
Phone:
###-###-####
Website:
www.checkngo.com/contact
Initial Complaint
Date:09/13/2022
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.
Hello back in 2016 or 2017 someone had left a voicemail indicating they were going to come to my place of work or my residence as they were needing for me to sign off on documents in regards to a complaint made by Check n go and when I called back and indicated that I had never authorized nor received any monies from them. I went to my bank and we had to go back a yr and showed that funds were deposited into my account and then within 5-10 minutes funds were taken back out of my account.I provided them all the necessary documents and as far as I knew the case was resolved I then received another voicemail on September 13th of 2022 (5 yrs later) with what seemed like a generated recording and I called and it was for the same company and I advised them at the time that they can do whatever necessary because I have already provided twice documents showing that I never received this loan and when the funds were put into the account they pulled them right back out. Very frustrated with the situation and for them to go leave threatening message via phone that's when I decided to make a complaint on the better Business bureau
Business Response
Date: 09/15/2022
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 United Debt Holdings on 07/20/2016 with a balance of $375. 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
**** *** *****
Cincinnati, Ohio 45236-0454
Initial Complaint
Date:09/10/2022
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 have tried a good amount of time to solve this issue with them directly but they’re just telling that it shouldn’t be happening. My bank account is now -283.07 because of the NFS charges I’m getting from them trying to hit my account and it’s not once on Friday like the contract said, it’s 2-5 times any time I put 3-4 dollars in it to bring the balance up a little bit. I have a 2 year old son and I haven’t seen my own check since before August.
Business Response
Date: 09/14/2022
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 the ACH has been revoked on her account. According to our records we have attempted 4 installment payments on her account, but all have been returned. If *** ***** would like to provide a bank statement showing the additional payments have cleared her account we would be more than happy to review. Please email the bank statement to [email protected].

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:09/09/2022
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 continue to receive calls regarding a debt of an unpaid payday loan from Check ’n Go. I was advised that the loan was received from inside a store but I have never taken a loan from a store and do not have any record of receiving a loan from Check ’n Go. The calls are being received from an unknown entity and they do not say who they are calling from. I have repeatedly requested that documentation be provided to me of signed paperwork regarding this loan but I just continue to get the same calls or they hang up on me. I need documentation provided to me or would like this activity to cease immediately.
Business Response
Date: 09/13/2022
To Whom It May Concern:
We want to thank Ms. ****** ******* for contacting Check ‘n Go regarding the calls you have 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 Ms. ********* 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
**** *** *****
Cincinnati, Ohio **********
Customer Answer
Date: 09/19/2022
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:09/07/2022
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.
Today, I received a call from Check n Go regarding a debt that I do not have with them. The gentleman who called was nasty, unprofessional and threatening. They stated I borrowed this money when I lived at an address in ****** ****** that I never lived at. I've never even lived in ****** ******. Then stated I owed this debt from 2015 which is a lie. When I asked the representative for documentation that I owed this debt he said he didn't need to provide any proof of the debt and that I'd better pay or else. He then belittled me stating that I don't pay my bills, threatened to call other family members, my job and even to take me to court and when I told him to go ahead he didn't even know what county I lived in. This company or maybe a scam threatening to be this company have contacted me before. Every 5-7 years I get this ridiculous phone call in which the amount of the supposed debt changes as does the date I supposedly borrowed it. It's always 6 years prior. They make the same threats and I never receive any court documents to support any their fake claims. They better stop calling me or I will file a lawsuit against them. Can someone put these morons out of business? I want them to stop contacting me and for someone to tell them that everything they do goes against the Fair Credit reporting Act.
Business Response
Date: 09/08/2022
To Whom It May Concern:
We want to thank *** ******* *********** for contacting Check ‘n Go regarding the calls you have 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:08/31/2022
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.
Received a letter in mail around 8/25/22 stating that I had a loan past due a few years ago with check n go and that I was being sued if I did not make a full payment by 8/31/22. Letter states intent to sue. There is no information on original loan. The letter states that it is second notice (never received a first notice). I checked my records and I don’t owe company any money. Letter also states that this loan was incurred several years ago.
Business Response
Date: 09/06/2022
To Whom It May Concern:
We want to thank *** ****** ******** for contacting Check ‘n Go regarding the calls you have 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

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Check N Go is NOT a BBB Accredited Business.