Check 'n Go
Fremont, NEConsumerAffairs Unaccredited Brand
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I have never gotten a pay day loan with Check 'n Go, but I did apply and the in store sales woman gave me a printout that said "The application is not able to be approved at this time. Customer is on the hit list - 2 Fraud". I called the online customer service and they said they could not see that on their end and I should be able to get a loan. I called the state and they recommended I try a different company due to the fact it is very untrue statement. The state said I was in good standing. Very upsetting to see that. The printout came from Check 'n Go website on the bottom of the printout. Never use Check 'n Go. Very shady and bad experience! I wish they would be investigated by the government! Whatever you do, don't get a loan from Check 'n Go! You will regret it!
So I filled out an application on Friday, June 15th. I looked at my email first thing Monday thinking I would get an approval or denial. I got neither. I was asked to submit documents (check stub/bank statement/id), so I did. I looked again on Tuesday, June 19th. Nothing. I was asked to submit the same documents. I called and was told that there is a 48 hour manual review and that they would contact me by email by Friday. I looked again on Friday and read that I could apply for another Loan as the one I applied for was "voided". No explanation why. I called again and was told that due to an error on their part that I had to submit yet another application. I was also told that upon doing so there would be yet another 48 hour "manual review" of the same documents that I submitted.
At that point I just canceled the whole thing, told them that their treatment of first time customers was atrocious and that I couldn't believe they were still in business. As a first time customer I wondered how they treated the people who actually came back. Bottom line. If you need money in a hurry for any reason - DO NOT CALL CHECK 'N GO!!! Worst experience in my life. I can't believe people still use them. I told them to not only cancel my application but delete all of my information and they will never ever hear from me again. I will also take to all social media and let everyone know this is the worst company ever. Just as a side, I got in touch with another payday loan place and got money that day. So it's not me - it's them!
I am furious at the company. Yesterday I applied for a loan and was approved. Went through with verifying my information and received the email that stated my funds were on the way. Woke up this morning and there was nothing in my checking account. So I get mad. I call the company first thing this morning and was told that my application was approved but later denied. The lady couldn't give me any information as to why it was denied. Now I am scrambling to find money for my surgery tomorrow. This company is a scam and should be shut down! How fraudulent to take all my banking information and then deny my loan. I am so pissed!
I have been receiving harassing and threatening phone calls saying I owe them money due to a loan I never took out. Got a call today from someone saying they were from Ace Recovery. I told them I have never stepped in one of their stores. She said it was an online loan. And threatened again that this had to be taken care of today or they will process to take me to court. I questioned myself and set up payments. But did further research. The company cannot give online loans legally in Iowa. So they could not have given me a loan online. I know for a fact I have never stepped foot in one of their retail locations. So I have never taken out a loan with them.
I have tried today to call Ace to contest the supposed loan, with no one answering. If they do not return my call tomorrow or I cannot reach I will call my bank and stop these payments. I will be stopping them anyway, but will give them notice I am doing so. If they want to try and prove this they will have to send me a copy of the paperwork by mail, not email. I am pissed as hell, one because I fell for this and 2nd that there are such horrible people in this world. You would be smart to stay away from this company!!! I put a 1 star below for application process by accident. I never filled out an application.
I have taken out several payday loans over the past year due to my husband's unemployment issue. All were paid off on time with no problem. I actually tried to take out another loan and was told that my application had been denied! Wow, I don't understand why they denied me. Listen if you need a payday loan DO NOT use this company. Their customer service is awful and they will not explain your loan to you at all. A 450.00 loan cost me 800.00. There are several companies out there that are really willing to help with no problems at all.
My situation was an emergency or I would have never borrowed from Check 'n Go at all. Please do your due diligence and find a more useful company as there are a lot of them out there willing to help and have more employees that are trained for their job. Employees are very RUDE and unwilling to help you solve all your problems/needs for repayment.
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Do yourself a favor and run! This company is horrible. After I was approved for the loan, I was given an option on how I was going to pay. I chose to call in with my payment. My 1st payment was due on 1/1/18. It was a holiday so I had to wait until the following day. I checked my balance in the bank and they had already taken my payment! (I NEVER AUTHORIZED THEM OR ANYONE TO GO INTO MY ACCOUNT)! The following month, on the 1st, was going to make my payment by calling in again. Checked my bank and of course they helped themselves again! I closed that account and opened another bank account. Before the 3rd payment was due, I called them to let them know not to go into the account because it was closed. She didn't want to hear it. The 3rd was due went and called to make my payment and was told, we already received it. I asked how they got it when it wasn't even due until today!?
This place has a habit of thinking what is yours is theirs! The loan amount was 1200.00. I paid them 863.00. Called to get a payoff and was told it was 1300.00... I ran to pay them off! So the 1200.00 loan cost me 2063.00 for an account that had been open for 3 months. Not to mention I had a mess with the bank because the account was closed but when they put it through, it reopened the closed account... DO YOURSELF A FAVOR, DONT WALK PAST THIS PLACE... RUN!
Today I went to Advance America and the change is radical, the attention is friendly and agile.
I have dealt with five Check 'n Go offices over the last 5 years. Three of them were friendly, efficient, and cooperative. Two of them were slow, and even rude, including one today. So I have now switched all of my business to Advance America, who have been much much faster, and much much friendlier.
Here a few days ago I walked into one of your outlets. It was located in Skiatook. And I was overwhelmed on how many people were waiting on being waited on. And the cashier was doing her utmost to get everyone taken of. So my question is or my comment is: Why doesn't the company allow a second cashier be present on the knowing heaviest payment days of the month. Like the store in Skiatook. Just for those days only! But I also can't figure out what the cashier does if they got a room full of people and has got to go to the restroom and no other cashier there to cover and/or make things go more smoothly on knowing heavy payout days. And that is not say that I think the woman working at the Skiatook is an added plus to corporate. She is very pleasant, fast and very, very concerned for the customer well being! And should be given a raise if all possible. Thank you and have a Good Day!!
The application process seemed easy. I just dislike that you apply with the tedious application needing a lot of information... Understandable though based on the amount you want but wish they would approve or decline you right there. After the application process they say the money will be in your account next day but days later found out wasn't even approved... Waste of time. Ended up going through someone else a different company.
I applied for a payday loan. Got the email saying that my application was done and that the money would be deposited into my acct the next day. Later that day I logged into my account to see if there was an update on my loan and it wasn't there anymore. I called the customer service number. After waiting all day thinking I was all set it wasn't approved. I received an email the next day stating that they couldn't verify my information on my application. So I wasted my time when I could have went to another company. And if they couldn't verify info why wasn't I contacted to get them what they needed and why was I told it was approved and then it wasn't. Very unprofessional, and disgusted with this company. And now they have my banking information. Don't waste your time with this flipping place. They are scandalous!!!
So I had a loan due 11/13. These people assume that the banks are closed because of a holiday so they debit my account before my due date and my account is now overdrawn. I spoke with two supervisors Emanuel and Carlos. They both suck at what they do and have poor customer service skills! There was nothing they could do to help... So mad that I even had to give them 1 star... They don't deserve it!
We had need of this loan for some car bills. No one likes to use payday loan stores but Check 'N Go charges less interest than the place just down from them and they are more patient. If you have to go, go to Check 'N Go.
I have been calling customer service and have been routed to several Supervisors - I called and sent an e-mail on 8/29 to stop the automatic EFT payment - because on 9/1/2017 (payment due date) I was going to pay the total amount due on loan. On 8/29/2017 the customer service rep told me that it would be stopped and all I had to do was call customer service on 9/1/2017 and pay the total amount due. At that time she said that the amount she was showing was 3,700.00 however it will be lower than that because that was not the early pay off amount. On 9/1/2017 I called to pay off the loan just like I said I would and I was told that my account was in collection department due to a returned check - I was shocked to hear that because 1. My payment date was 9/1/2017 and I was placing the call in the morning of 9/1/2017.
And why were they showing a returned check? I never wrote them a check and I specifically stopped the EFT from my bank on 8/29/2017 so that I can pay loan amount off completely on 9/1/2017. I was then transferred to the Supervisor of the collections dept. from the Tijuana office who refused to give me his name and was very rude shouting at me telling me that he did not have a payoff amount for me and now I would have to wait until 9/5/2017 or 9/6/2017 until the system is updated. I was so upset and so stressed out from what I was hearing because I want to pay off this loan to avoid more interest and fees and CHECK 'N GO - is not allowing me to pay it off. The next few days were very stressful. So on Tuesday 9/5/2017 I called CHECK 'N GO again and was told that I had to make the payment of $337.00 that was not paid on 9/1/2017 before I can get a pay-off amount. This process is ridiculous!
So I make the payment of $337.00 and I was told by Jakeen in collections that I would be transferred back to customer service and they would be able to take my payment for the entire loan amount. WELL when I got transferred I was told that they did not have a payoff amount because it takes a few days to generate in the system. So basically days and days are going by and I still do not have a payoff amount and interest is stacking up! On 9/6 I called CHECK 'N GO again to get a pay-off amount. I was told that my pay-off amount was $3479.63 so I asked to speak with a Supervisor and I was transferred to Carlos from Tijuana office again and he said he will try to research the call that I made saying I wanted to pay off the amount on 9/1/2017. RIDICULOUS!
Then he called me back and said he could not honor that date and that my amount is $3479.63. However I had already made two payments of $337.00 and I want my pay-off loan amount as of 9/1/2017 because that is the day I said I was going to pay it off that was the day my payment was due and no one was able to give me an amount. I am very upset the way that I am being treated. I am not trying to run away from my payments. ALL I WANT IS MY PAY OFF AMOUNT AS OF 9/1/2017. It is unfair that I have all these extra fees because no one is able to help me.
Signed up for this service over a month ago and having difficulty getting some two-party checks cashed immediately no matter what the domination is and payor. Some two-party checks have been cashed by CNG previously and now, they are either denying the checks to be cashed or saying "do not cash" w/ little to no feedback or assistance from specific CNG location, third-party provider (ingomoney.com) or customer service/corporate office email-tele. #s. I agree w/ most of the reviews re. difficulty w/ this company/organization and getting specific responses to questions and handling of your problems/issues.
And, yes, you wait forever in their CNG locations for loan approvals and financial assistance services to be processed/completed; a few competitors are quicker (i.e., CheckSmart, area banks). Most employees I have dealt w/ at Store #984 are pleasant, esp. Tasha who's a good multi-tasker, but the 3rd party provider/approval resolution personnel and trying to reach resolution - corp. office personnel to assist w/ resolution are "terrible!" -- a negative, "no stars." The fees are ok, comparable to the banks or other banking institutions, which I'll go back to.
When I received my loan the lady was very nice. After I received the loan she was very demeaning, she would tell you to sit like a child and take off your hat. She yelled at every customer that entered the building. I was charged 25 dollar late fee twice for being 5 minutes late after 5 pm. I paid off my loan and I will NEVER GO TO THESE THIEVES AGAIN!!!
I recently was a customer of Check 'n Go online. Was very easy to use. I loaned and paid back twice on time!! Even early the first loan and then on third loan they tell me I was not approved to re-loan and also could not give me any reason why. As I continued to figure what issue was they got attitudes and hung up on me twice. Then finally I called back and they said only way to get more information on it was to write a letter to another department that does not take phone calls... Also refused to transfer me to a supervisor. One ladies name is Lisa and the guy's name is Julio. Basically watch because they will get your fees a couple times and turn around and say you cannot re-loan for no apparent reason.
I had been a longtime client of Check 'n Go until now. I paid off a loan and applied for another. This would have been my 6th loan. The prior 5 had all been paid off on time. After several calls to check the status of my loan I finally was told that it wasn't approved because they couldn't verify some info. However, they refused to tell me what they couldn't verify. Moreover, they would then hang up. This company has become very unpleasant and dishonest to work with. BEWARE.
I got out of the military a few years ago and quickly found that civilian jobs do not pay half as much as the military. I manage to pay my bills but there are those months when I come up a bit short and need to put gas in my car and buy groceries or get an unexpected bill that needs to be paid immediately. Getting a small loan online through Check 'n Go has always been simple and has proven a lifesaver for me more than once. They do charge fees but the fees are stated upfront when you sign the contract.
The important thing with any of these payday loan companies I think is to just take what you need and no more. Although I have been approved for a larger loan I always figure up what I need and take the least amount possible. These loans should only be taken in the event of an emergency when all other options have been exhausted. Although the fees are a bit high, as a single mom I'm glad these companies are around to help out in a pinch when needed. I've never really had a problem with customer service, doing everything completely online I've never even really dealt with customer service or anyone from Check 'n Go for that matter. The process is pretty simple and streamlined.
Harassed for a debt that I didn't even make. I got a call from an unknown number today. As I don't have any bill collectors banging down my door, I answer it. This gentleman asks when he can deliver a "legal notice" and I ask him what a legal notice is. He immediately transfers me to this woman saying a claim has been made from Check 'n Go. I explain that couldn't be the case. The banking information is wrong, the email is wrong, but everything else was my info. I asked her for more information and even stated I wasn't in the country at the time of this transaction and her words were "Well that is why you would get a payday loan".
She kept asking me for more and more info, pressuring me until I shut down and said, "This isn't me, I would rather know how to figure out who to contact" and she kept saying the "legal notice" would take care of that and hung up on me. My privacy was taken advantage of, I was accused of something wasn't me, as well as called a liar. I am extremely upset at this situation and since the number was unknown, I don't know who to call back.
I feel I have been mislead and taken advantage of by Ck N Go. I went to the location in Rio Rancho, NM and I qualified for a 5,000 payday loan with a payment of $353.00. I was told the loan was simple interest and I could pay off at any time or renew at a lower payment without paying it off. I did not want the 5,000 loan because the payments were too high but the sales person when I was told I could refinance the loan at a smaller payment I decided to do it.
I have had many payday loans and have never had the issues I have with Ck N Go. When I went in to refinance after the 6th payment I was told that I had to put down 1/3 of the balance to principal!!! I said, "That is not what I was told and there is nothing in my contract that states that." I have also learned since that this is not a simple interest loan. It is computed so they add the interest onto the principal, and almost nothing from my payments is going to the principal. I have been paying since last year and my balance is only 100.00 less. And now I can't find another company that will loan me the 4900 so I can pay this off!
They are a scam company and I have complained and given feedback to Corporate with no results. Also they are suppose to automatically debit my account for payment. Well they did not so I went in to pay cash and then sure enough the following week they charged me without notification. I will never do business with this company again and warn others to stay away.
They took copy of my checking account, driver license, social security card, pay stubs, w-2 forms and written application and had me print out forms. Whole process took over an hour. Undisclosed representative told me that my credit score was not a deciding factor and all I needed were pay stubs and my checking account information. Then, she denied me and refused to give me back copies of my personal information. Store # 1015 employee refused to tell me her named or employee identification. She then said after 20 days they will shred my information.
After the Denied application, she hands me a privacy statement, when I mentioned my concern that she wouldn't tell me an employee identification and she took all my personal checking account information etc., she told me it was secure and no worries. She gave me no proof that I even applied. After reviewing the long small print form, it states they "sell your phone number and personal info to telemarketers and unlimited marketing firms!"
I referred a friend who got a loan. I have not been able to get a answer as to how to get the refer a friend money. I have asked the employee at the branch several times about this. She says she sent an e-mail as how to redeem the refer a friend deal, I did not!! receive any e-mail from Check N Go.
I called to pay off my installment the loan. I was told after 12 installments... over $3000. I still owe $2100. Which is the amount I borrowed. Not one payment went towards paying off the loan. It all went to interests payments. I will never get another loan nor do I recommend anyone doing any type of business with this company.
I have occasionally used Check N Go to take out small loans over the last 2-3 years. Recently I needed to take out a larger loan but I knew I'd be able to pay it off quickly. The principal on the loan was $1800, in a month I had made $990 payments. I called to find out what my payoff amount was and I was told $1780! Yet the loan wasn't scheduled to be paid off for another 3 months. Apparently the interest doesn't accrue but they tack it on from the BEGINNING. This means even if you pay off early they still charge you full interest! I have never had a lender do this. Inequitable and subversive business practices. When I applied the first thing I asked was about the interest and whether or not an early payoff would result in reduced fees. I was told yes! Nothing in the original paperwork states that interest is added initially and not accrued. True scammers.
This company was ok to deal with until I missed a payment. From that point forward they wished to exterminate me from earth. I've had several loans paid on time 100% and paid off within just a few months. This last time my circumstances turned far worse and I got behind. Instead of talking me through options, they told me there was nothing they could do to help me and told me to borrow from someone else. If I could do that I wouldn't have come here to them for a loan. The third time I called for a solution and said I could pay a small payment I asked if that would prevent my auto debit from coming out with the full amount. I was told my auto debit for the full amount would not go through if I made the payment. Then when I called back to make the payment and asked to verify that no additional money would be taken out of my account, they told me I made it up and no one would have given me that information. Well they absolutely did.
Then she started raising her voice that I owed them this money. I started crying and said it's five days before Christmas. She didn't sympathize and I hung up. A customer having problems shouldn't be disrespected like this. They treated me like I had been chronically late and a poor customer, which is not the situation. Then the incessant phone calls started and they called my Dad. After this conversation at Christmas I never wanted to speak to them again. I tried to call corporate and deal with them but no luck. I will never go to this company again. I am their core customer. And their core customer experiences issues where they will get behind and need help. It's inevitable. Take care of your core customer, and you'll keep their business. I'm paid off now- within a month of that conversation because I do have some resources and I'll never walk in there again. Their loss!
I will never mess with any of these companies ever again. Why? They are shady and give you the runaround. They won't give you information on when to pay back the loan at the lowest interest. They tell you that interest accrued daily yet is cheapest to pay back at the end of the money. So they lie. If you pay back your loan come the 2nd of the month then you're paying that month's interest. Pay back come the last day of the month, and you will pay only the principal and whatever daily interest is left for the month.
It's confusing as all hell and I had to talk to 3 people just to get that information because they give you the runaround. They treated me like I was asking for classified state secrets here. This company and others like it are NOT out to help you. They are strictly about making money and their customer service sucks and is shady. Everything I asked for today is information that I should have access to as the lendee. Do not do these bad credit loans. Ever. Deal with your financial instability and take the pain for a bit.
Check n Go is very good with getting all your information to approve you for a loan, however the moment you want to contact the store manager's supervisor you are given the runaround. This all started with me calling them to delay my next payment due to the fact that I was in the hospital and would not have money to cover the payment.
The store manager agreed to delay the payment and told me it would be tacked onto the end of the loan. Well come the due date, she took it out of my checking account even though she said she would not. I called her immediately and she apologized for the mistake and said she would reverse the payment... not the case. She told me she was told by her boss that she was not suppose to do that and they could not reverse the debt.
I am now overdrawn because of her mistake and no one wants to make it good. I asked to speak to her supervisor and was told she could not give me his number. I searched for their corporate office, which is under Axcess Financial and was given the run around there. They did give me their dedicated ethics & fraud line, which answers, puts you on hold then disconnects you. SOME DEDICATED LINE! I then was given a district's manager phone number - who never responded. I was told to get online and log into their complaint line and someone would get back to me - GUESS WHAT - RIGHT no callback, just an email stated the complaint has been logged and will be reviewed.
I have always paid them yet they made me go through hoops just to wait for almost a month telling you your information couldn't be verified and threatening to give trade sale share all my information with anyone they choose. Then put me as a fraud. When I went to the store I've always paid and now if I was dying I'd not get a penny. My scores I've been working on are over 640 and Equifax 59 that appears the hardest to boost. So not only do payday advances loan you 5 times the limit knowing you have several loans exceeding the limit loan you anyway. I think they're at fault. Desperate women and men living below poverty and get trapped into their cycle.
I used this company for years. I was approved to borrow the full amount. Was constantly told I am a great customer... paying on time blah blah blah. I stopped using them almost a year ago. Just because my financial circumstances got better. Today, I found myself in need of a payday loan again. I took my proof of income, a check and filled out a application. Waited for over an hour because only one person was working behind the counter. Finally when my turn came I thought I was about done and could run to the bank and make my deposit. WRONG! I was told I could only borrow $179. When asked why all I was told is they have new underwriters. I was asked if I still wanted the loan and said no and asked for all my documents back.
I took them without looking them over and went back to my car. I looked at the documents and found the cashier had given me someone's income stub that was not mine. I looked at the application and it wasn't mine either! I went back into the store and was told "sorry my mistake" and was asked to wait so my application could be run again. Instead of cutting ahead of everyone I told the cashier to wait on them first. And I waited another 45 minutes. She ran my application again and the offer was $179 again. Was told again "sorry we have new underwriters" and I took the loan but returned later today to cancel it and return the check.
I chose to pay a late fee rather than the ridiculous service charge for the small loan they offered me. The cashier said these new underwriters have declined most of the frequent customers even those of us who have a great pay history. Today just proved to me this company doesn't care about its customers or loyalty. I was honest and brought back that other customer's info but I wonder how many times that has happened where the info was used illegally? As lightly as the cashier took it I find it to be very shady. No wonder they force you to agree not to sue them!
Check 'n Go Company Information
- Company Name:
- Check 'n Go
- 7755 Montgomery Road
- Postal Code:
- United States