Check 'n Go
ConsumerAffairs Unaccredited Brand
I needed a loan so urgently but I wanted to pay it off in 6 payments (biweekly) and clear it off. For 1000 dollars, they explained that early payoff would be about 1800 if not it would 2900 if I did 12 payments. I have worked so hard to pay it off early now. After five payments I have paid 1210 already. I call in to clear my loan today and am told my balance is about 1100. That's not what I was told. So 1000 loan and paying back more than 1300 in three months. What a Rip off. It was my first time taking a loan, I regret it. Now I have learnt about other places and trust me it's a rip off. Spare yourself the pain. Go to World Finance or Security Finance or anywhere else.
I was nervous to take out a payday loan because I'd heard so many bad things, but it was an emergency and it was quick and easy for me to get a loan online through Check 'n Go. The terms of the loan were clearly explained, I knew exactly what was due and when it was due. I understood the interest rate and any fees, I never felt like the company was trying to trick me or take my money.
The day before my loan was due I realized that my paycheck would be a day late. Desperate to avoid fees and interest, I called Check 'n Go but didn't expect any leniency. To my surprise the representative I spoke to agreed to extend my due date from Tuesday to Friday. He didn't ask any questions or guilt me into anything, only assured me that no money would be taken out of my checking account until Friday and that I would not be charged any fees or interest. I was shocked, I had never been given a free extension period by a lender.
I would give Check 'n Go 5 stars but it was confusing to figure out who to contact. At first I went into my local store to ask for an extension but was told the stores cannot help online customers. I called the toll free number and was on hold for 20 minutes. I didn't realize the money would automatically come out of my account, I thought I would have to call or go online to pay it. I wish there was an option to pay early online.
Based on my experience, Check 'n Go does not deserve such terrible reviews. Yes, they will charge you fees and high interest, but that is all clearly explained to you before you agree to take out the loan. You should never take out a payday loan unless it's an emergency, but if you do have one and run into problems, just call them and ask what your options are. They were quick to help me.
Please oh please do not use this company! I had a loan all setup on July 9th approved and good to go. I called them that day to review a discrepancy in my banking info. The lady at first was very nice and cordial. She suggested we cancel the first loan, and put it thorough again, which I did. I was immediately told that I could not have a loan, and that more info was needed regarding SSDI paperwork. I searched frantically for anything I had, and found my initial one from 2014. I was told that this wasn't current enough, even though literally EVERYTHING on my bank statement and SSDI paperwork matched up. After talking to 3 employees, I asked to speak to a supervisor to get this straightened out. She not only did not straighten the situation out, she exacerbated it!
I asked to speak with her boss, and he was conveniently "Not taking phone calls." The lady thing I was told, was to show a updated SSDI award letter, and I updated that today, the 11th, and am still told that more info was needed! I've sent everything via online to these crooks! Bank statements, updated award letters, etc and still, it is not good enough for them! All of this discourse with workers, and supervisors, even though I was initially approved!?? Check 'n Go is extremely hard to deal with, argumentative with customers, and overall, seem dishonest in their practices. Save yourself the time, and headache, and DO NOT give them your business! Go with LendUp! Easy to deal with, and had my cash within 30 minutes. Check 'n Go, you should be ashamed of yourselves! This is one U. S. Army Veteran that will never deal with you again! I pray you retrain your staff.
I went into the store and asked about applying online and they said that people are usually approved by 11 am the next morning. When I looked online, the website stated that if I applied by 7 p.m. est. I would be verified the next business day. I applied on Wednesday at 5 p.m. est. I checked on Thursday morning and my app. was still pending verification. I called later that day at 5 p.m. and the rep tells me that it usually takes 24-48 hours to verify the online app. So I waited until Friday morning around 12 p.m. est and my app was still pending.
I called customer service again and this time they tell me it takes 24-48 business hours to approve an app. That means it takes 3-6 business days. I received three different answers by three different people at the same company. Not to mention that the website clearly states that your application would be verified by the next business day. If you are looking for quick cash, do not look here. Apply in the store for a quick approval.
I took out a loan, paying it back on time as agreed. I was out of town on last weekend, I contacted Check 'n Go store 251 on Cedar Ridge Rd; Duncanville, TX before the due date to inform workers I was out of town on Friday, June 24th but will return on the following Monday June 27th. I volunteered to pay the over the phone. I was told that paying over the phone was not possible. I also volunteered to pay it on Monday, June 27th when I returned back in town. I was told that I couldn't do that either by worker who lie and said her name was Nia whose real name was Bianca. No last name was ever given. I asked to speak with a manager several times, I was told that wasn't possible either. I was given his e-mail address nor his phone number to contact him regarding this issue. I was let with no recourse of action to resolve the matter. I was told that someone would call me but not one did about my concern.
I didn't have a problem with paying as agreed. In fact, I never was late on this loan. Instead Bianca who lie about her name sent the entire check through my bank account without my knowledge causing a hardship. The loan was not in default neither have I been late on this loan, I've paid as agreed. This Monday, I went in to that location as I said trying to resolve the matter but could not get anything resolved. Still today no one from the organization has contacted me regarding in this matter.
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I have had numerous loans through Check 'n Go. There's a new girl working at the Crystal Lake office. Not only did she wasn't here on time but then she said that I didn't have enough to pay the loan off. I need 165.00 to pay it off but she said I needed 200 which was ridiculous. She had no manners whatsoever and she told my mother who is 70 yrs old to shut up..."You're not allowed to talk to customers." I gave her 140 dollars towards paying off the loan and she came up with a ridiculous amount I still owed. She has no business working for you. She's a embarrassment to your Crystal Lake office and needs to be terminated. She showed up at 11:00 AM with a Dunkin' Donuts ice coffee. She's doing a very poor job representing you guys. For more detail contact me at **. TY.
They took $177 from my bank account without notifying me. I called them and I have to say, I have never had customer service so horrible in my life. These people have no hearts and are completely unwilling to work with you. As I was explaining my situation, Jo says, "Well okay, bye bye." Seriously, what a bunch of disrespectful and unprofessional people. I hope my $177 was worth it because now I will be homeless for about 2 months. Thanks a lot.
The interest is too high for poor people in the community.
My ex-wife needed to cash a Government check on the 26th of April 2016 (spousal support which has my name referenced on the check). Check 'n Go needed my identification in order to cash the check. I was told that I was required to fill out a 'membership/create an account' and my personal information was required (Driver's License, Social Security Number, etc.). I felt at the time that my SSN was not required, and my valid California driver's license should be sufficient (as it is anywhere else that I cash a check/do business with). The check was cashed on the 26th of April, 2016.
I had an uneasy feeling in having provided my social security number, fearing that with both SSN and Driver's License Number, I could easily be set up for identity theft. On Saturday, April 30, 2016, I performed a web search on Check 'n Go. In reading the complaints/reviews associated with Check 'n Go, I drafted a letter requesting that my membership/account be closed and all personal information deleted, with a signature line on the document that they had received my request. I informed Ryan, who I assume is the manager, that after doing a web search and reading reviews regarding Check 'n GO, I had qualms with them having my personal information.
Originally, Ryan (the one that took all of my personal information) said that he couldn't/wouldn't provide a signature on my request for my co-signer account cancellation. After stating "Let me go talk to the sheriff's department", he became more willing to talk. He stated that Check 'n Go did not maintain personal information, and that was handled by a third party that they use, Chexar. When pressed for information on how to contact Chexar in order to have my information removed from their files, he stated he did not have that information. At one point, he denied that a check cashing transaction had ever occurred at that business, up until the point that my ex-wife pulled out the paperwork from Check 'n Go relating to the transaction.
In the end, he assured me that neither Check 'n Go nor their 3rd party affiliate Chexar had a copy of my personal information (although from the runaround and untruthfulness encountered, as well as his refusal to sign/acknowledge my copy of a request to terminate my account/membership for the reasons stated, I have serious doubts that my personal information is in safe hands). I NEVER again wish to do ANY type of business with this establishment (as well as cautioning my ex-wife in regards to any future use) and in reading the numerous reviews/complaints relating to this business, I'll join the chorus of other individuals who have/had less than stellar experiences with this business model. I strongly caution all who might anticipate using Check 'n Go to use all due diligence in any transactions with them.
I needed a few dollars for some unexpected bills and Check 'n Go was quick to help me out, so I thought "Wow, this is great and how quick and helpful." Right... I wasn't exactly sure how I was to pay the money back so I read through but apparently couldn't find the answer, they were suppose to take the money on the 4th. I called on April 1 because I was paid early to pay the loan back but the agent told me "no, we will take it out automatically on the 4th like it states on the contract". I was okay with that although I would of rather paid it when I called. The money is in the bank, I was told not to do anything, it's all automatic.
I bring up my Check n Go account today to make sure it's been paid and surprise, there is a non payment notice for me, the money is in the bank and they did NOT take it out as I was told they would do, now it's fallen on me although I even tried to pay loan back early. Is this just a ploy to get me to pay more by saying I'm late??? I need answers, unless your leg has fallen off and you need medical attention and you're broke, don't use this company. This is my first loan, last loan!
I asked for a loan from Check 'n Go and they were eager to give it to me. They didn't tell me my APR. And when I got my APR it was over 300%! Is that even possible? When I requested for them to stop taking money out of my account or to change how often they take out money they told me I couldn't do it. Had my girlfriend pay the entire loan off cause I just didn't want to deal with them, and they gave us both the runaround. First they told her I had to add her to my account, then told her she couldn't do anything when she was on the account. We had to call them over 10 times because they weren't consistent and didn't know what was going on most of the time. The customer service was just rude and didn't have it all together and made mine and her experience with them a living hell. NEVER USE CHECK 'N GO. I would never recommend it to anybody.
Recently I was notified by Check 'N Go that I was denied a loan. The problem is, I never authorized this loan to be finalized. I had started the process and had a change of mind. I find it to be fraudulent that a company would proceed with a loan you didn't authorize. Unfortunately, I've used Check N' Go frequently in the past and have paid an incredible amount of interest, but in a timely manner, only for them to deny me service. I've used their services successfully in the past over 10 times, so why in the world would they subject a customer to a credit check who has never defaulted on a loan? Makes no sense!
I went to Check 'n Go on Highland rd in Howell Mi. I have to say this is the most disappointing experience of my life. First some strange looking girl called Christina called my phone 8 times!! 4 times in one day to tell me my loan was due! Then when I went in a girl named Theresa had no idea what she was doing and had a terrible attitude. And this Christina was also working that day, she was some skinny, butch looking girl who acted very icy during the transaction. I told her to have a nice day because I'm not as miserable of a person as she and all she said was "uh-huh yup". She was almost worse than the guy named Brian that worked there last October who would verbally abuse the staff that worked there at that time. What's wrong with this company that these people always seem so darn miserable??! Besides management obviously abusing them.
I took out a small loan of $1,600.00. They gave me installment payment plan. They took out the first $400 or $600 out of my Bank of America checking account back then. After a while their collections department called me, which is normal because I got back up on the payment. I asked them "Where is my first payment...?" Their collector never called. SHADY BILLING. Back then, 2011 - the bank told me they had debit my account for the first payment. I never heard from them again until NOW 2016 ON MY CREDIT REPORT OWING 3,255.00!
Check 'n Go draft my payment before the due date. They acknowledged the error but cannot explain how and when they will refund my overdraft fees as well as one day's interest. What is annoying about the situation is they could care less. If a payday loan company is needed, I would use Spotloan or Lendup.
Check 'n Go is one of the many branches of Axcess Financial Services. I've relied on them intermittently over the years when money was tight. I'm fairly (sadly) familiar with how payday loans work and I understand that the consumer pays a huge amount of interest in return for the convenience of having cash available quickly, especially consumers with poor credit. But the rest of convenience is supposed to be that it doesn't require a credit check.
I could understand why they would check my credit if I was seeking an installment loan, but in the last year and a half, I've only relied on Check 'n Go for payday loans. When checking my credit records today I discovered that Check 'n Go, or Axcess Financial Services, has performed a hard check on my credit every time I've turned to them for a payday loan. This translates to a ding on my credit and makes me look like I'm desperate for credit. This is simply unacceptable and I will no longer rely on them for this particular service.
I got the the loan on Nov. 23 and paid it off Nov. 27. They stated they returned the funds and call. Looked for proof on my phone records AND Mastercard records and neither shows any money paid back. I don't know what to do.
I had a title loan through check n go and they came and took my husband's car and when I went to go get his car back they told me that I needed to pay off the loan that I had, which I did. And then I went and got the car and they told me I didn't have to pay the repossession fee and they told me the title would be in the mail within 6 weeks. And this was back in august and I still have not received the title. I called today and they said I need to make a payment to them because I never paid that amount I owed. Well sorry but when the company tells me not to make that payment then I won't.. So now I'm beyond mad.
I got a loan at Check 'n Go. But if I knew what I know now, I would not have never gotten one. The representative bugs you before your payment is due. If you try to pay extra, she want take your money unless it's the amount she wants... This is the worst company to borrow money from. Their interest rate is ridiculous. Even if you want to cash checks, they charge way too much. Once I pay this loan back, I rather do without than to borrow from them again. I would advise everyone, do not borrow money from Check 'n Go security finance, and the other loan companies is a lot better with their payback options and interest rates... CHECK 'N GO IS A BIG RIP OFF.
I paid off my Title loan. I was told it would be 6 weeks. When I called corporate the number does not have an option to speak to anyone that can resolve this matter. 6 weeks is way too long.
I refinanced the loan and was informed a payment would come out of our account on 10/8/2015. This morning 228.00 was gone from our account. I know this was the refinance charge but nowhere did it say that it would come out before 10/8/2015. I do not understand why this happened and how they can get away with not informing us this would happen.
I want to know why Check 'n Go gets away with not allowing a person a full 30 days to repay a payday loan? I'm on Social Security Disability and I get my check deposited direct deposit at midnight on the 2nd of every month! I have been getting loans with Check 'n Go for quite some time now, but this woman who is the Manager of the Sapulpa, Oklahoma Check 'n Go office has never allowed me a full 30 days to pay back a payday loan! I don't think it is fair that they get away with doing this.
This Joyce woman who is the manager is one of the most hateful sarcastic people that I have ever encountered in my 64 yrs on this earth! Every other loan place that I have dealt with has always given me a full 30 days to repay my loans! So how in the world does Check 'n Go get away with not giving a person a full 30 days to repay their loan? Please respond to this so I will know ok? Thank You! I'm very very upset over this. I DON'T THINK IT IS FAIR AT ALL FOR THEM TO GET AWAY WITH THIS!
I took a 1700.00 car loan out in June 2014. And another 1000.00 loan at the same place around 8 months later. That's 2700.00 dollars total. Correct? So far I've paid them 4400.00. They told me now I still owe them over 3000.00. What the Hell is going on and how do I stop this huge RIPOFF.
I went in one day 5 o clock... thought about refinancing. While I was thinking, the manager started getting mad because I was asking her questions. I'm not going to just say you sign me up! 535 dollar Loan paying back over 500? I'm not stupid. I want to work on my credit but not pay 500+ in interest. She started getting an attitude after 3 questions. Come on, you're a manager? I told her she was being rude and I felt harassed for asking questions about what I was going to get myself into. Well, she told me to get out and that I was wasting her time and that she could have been doing other things. Like what? Making fun of the people that come in? She did talking about the people in front of me.
I called the district manager told him what happened. Well next day I hear from a friend who recommended me that she told the guy above I take my anger out on other people for what happened to me. Come on you white trash. Yeah I have 3 fingers from a motorbike wreck that I caused myself. But I blame no one but me and who cares. I'm glad that no one had to suffer from my stupidity. You NEED to be fired "candi", that's what she calls herself. Webb city mo. I like my claw, it's part of me now. I'm not scared to make jokes about it either.
I have used them for over a year. They were always very nice/helpful. And I could live with the monthly charges. Once a year I guess they make you update your info... pain in the butt... but sounds feasible. First issue I have ever had where they took out 2 payments, instead of one, I am overdrawn... worse... I can not pay my son's rent so he will move out. I have no doubt they will take care of this situation. If not my bank has a vigorous fraud unit. I have liked them for a long time.
If they say we close at 6:00 p, that should be the time they close... not 5:10. She's still in the store. Internet says open... I use my gas, CLOSED AT 5:10 pm. Say 5 then so I will know!
I got an installation loan for 2505.00 - I had already made total payments of 1290.67. Work changed payroll biweekly dates. When I advised Check 'n Go. was told only way to change my pay loan date was I had to refinance the loan. My payments or higher. When I added all the payment total comes to 7098.58. They advised the 1290.6, was just for interest no credit to the loan and nothing can be done about this.
Spoke with an associate on 07/16/15 to set up payment of $179 on the 31st of July. Payment was set up and agreed upon. To my surprise on the 17th of July some sort of electronic check was posted to my account in the amount of $307 dated for the 16th the day I spoke with them seriously making my account overdrawn. I called them and was treated very rudely and told that they did not know that transaction was set to post. Do not deal with this company. I had to close my checking account and open a new one to prevent this and I will now pay via money order.
I was suppose to receive a payment on a Tuesday and today is Sunday. Wtf. I'm glad my son tournament is over - I would have been pretty broke.
I had paid my payday loan off every time. I have fought with them 3 months 3 different times they hit my account and over drafted it. This time they hit my account twice, won't give me my money back, and got a massive attitude with me. And doing it without my approval.
Check 'n Go Company Information
- Company Name:
- Check 'n Go
- 7755 Montgomery Road
- Postal Code:
- United States