| 07/26/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Problem with the payoff process at the end of the loan
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Web |
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I requested a payoff amount on or around XX/XX/XXXX. I was given many different payoff amounts through email and phone calls. I was disputing the payoff amount for it was more than what I originally borrowed. Once I received a payoff amount that seemed to be reasonable, I paid off the loan in the amount of {$2400.00}. which included a processing fee of XXXX. This is what I was told and paid off the amount on XX/XX/XXXX.
On XX/XX/XXXX, the amount of XXXX was withdrawn from my account. I filed a complaint with the XXXX XXXX XXXX XXXX in which they made up several different stories as to why the amount of XXXX was withdrawn. One of the stories was that I missed a payment in XXXX which was not true. I have the details of the conversation between Check N Go with myself by way of the XXXX XXXX XXXX XXXX and emails from my email account. I am requesting the return of the payment of XXXX which was withdrawn after my payoff of XXXX and was never included in the emails or phone call regarding the payoff amount.
Below is the communication with the XXXX : took out a loan on XX/XX/XXXX. I have made three payments. I am wanting to pay off my loan and have emailed Check N Go to find out the payoff amount. I emailed on XX/XX/XXXX and was told an amount of XXXX dollars. On XX/XX/XXXX, I emailed again to find out my payoff amount and what has been applied to the principal. The lady on the phone told me my payoff amount was XXXX. When I told her I wanted to pay this off before my next payment, I was told I owed XXXX. I asked her what was applied to the principal and she could not tell me. She could not explain to be why my payment was more than the loan amount. I will take this further with the Consumer Financial Protection Bureau. I have made three payments of XXXX and should not have to pay the amount of XXXX if I have made payments to pay it down. This is not right and seems dishonest practices.
Desired Outcome/Settlement Desired Settlement : Billing Adjustment I would like my loan to be paid off by Check N Go with no effect on my credit report.
Monday, XX/XX/XXXX XXXX XXXX XXXX : I have reviewed the response made by the business in reference to complaint ID XXXX, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[ To assist us in bringing this matter to a close, we would like to know your view on the matter. Type your reasons here. ] Regards, XXXX XXXX Complaint Detail / Problem Complaint Type : Billing or Collection Issues Billing or Collection Issues select Problem : I have spoken to many customer service persons regarding pay off amount. I have been told at least four different pay off amounts that I am complete frustrated with this company. I believe their practices are fraudulent and will go forward with a complaint to the Financial Consumer Protection Bureau. I was told my payoff amount was XXXX, XXXX and XXXX. I have asked numerous times for the amount that was applied to the principal. It was not until I filed a previous complaint with the XXXX that I received the pay off amount. I finally paid my loan off in the amount of XXXX which they told me that this would be the total payoff amount. On Friday the XXXX, the same day I paid off my loan, XXXX was deducted from my checking account. I am requesting they pay me back the XXXX which was not included in the pay off email I received.
Translate Desired Resolution / Outcome Desired Resolution : Refund Refund select Desired Outcome : a refund in the amount of XXXX.
Complaint Background Not all of these questions are required. Please provide as much information as you have.
1. Product/Service Purchased : Loan 2. Model Number : 3. Contract, Account, or Policy # : 4. Order # : 5. Purchase Date : XX/XX/XXXX 6. Date Problem First Occurred : XX/XX/XXXX Dates you complained to the company/organization 7. First Date : XXXX 8. Second Date : XX/XX/XXXX 9. Third Date : XX/XX/XXXX 10. Payment Made : Partial payment made 11. Payment Method : ACH Debit Name of Sales Person 13. First Name : 15. Last Name : 17. Purchase Price : {$250.00} 18. Disputed Amount : {$250.00} Tuesday, XX/XX/XXXX To Whom It May Concern ; Upon further review, we have confirmed the amount provided during the payoff was correct, {$2400.00}. XXXX XXXX was also advised of the processing fee, {$4.00}, for using a Debit Card, bringing the total to {$2400.00}.
We respectfully decline to grant her request to refund the amount of {$250.00}.
Sincerely, Customer Advocacy Team Corporate Offices of Check n Go and Allied Cash Advance XXXX XXXX XXXX XXXX, Ohio XXXX Thursday, XX/XX/XXXX XXXX XXXX XXXX : I have reviewed the response made by the business in reference to complaint ID XXXX, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Check N Go would have a record of my Debit Card transaction but I can submit a pic of on the XXXX a bank statement.
Regards, XXXX XXXX Attached Files/Documents XXXX Friday, XX/XX/XXXX XXXX XXXX XXXX : I have reviewed the response made by the business in reference to complaint ID XXXX, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[ To assist us in bringing this matter to a close, we would like to know your view on the matter. Type your reasons here. ] Regards, XXXX XXXX XXXX XXXX XXXX : I have reviewed the response made by the business in reference to complaint ID XXXX, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Check N Go would have a record of my Debit Card transaction but I can submit a pic of on the XXXX a bank statement.
Regards, XXXX XXXX Attached Files/Documents XXXX Sunday, XX/XX/XXXX Please find the statement for my US Bank Account XXXX
Attached Files/Documents XXXX Wednesday, XX/XX/XXXX To Whom It XXXX Concern ; Again, XXXX XXXX had a regularly scheduled payment processed on XX/XX/XXXX in the amount of {$250.00} prior to the early payoff on XX/XX/XXXX. XXXX XXXX was made aware of the payment prior to having the payoff of {$2400.00}, plus the processing fee of {$4.00}, being processed. The payments are sent for processing the business day prior to the due dates. Due to the holiday the payment was submitted on XX/XX/XXXX for the due date of XX/XX/XXXX. This was addressed during the call on XX/XX/XXXX when XXXX XXXX completed her payoff payment.
If an additional payment was processed, we ask that XXXX XXXX provide a copy of her bank statement to XXXX so we may further review her claims.
The amount paid matches the agreement and payment schedule. There were four payments of {$250.00} with the payoff of {$2400.00}. We respectfully decline to grant her request to refund the amount of {$250.00}.
Sincerely, Customer Advocacy Team Corporate Offices of Check n Go and Allied Cash Advance XXXX XXXX XXXX XXXX, Ohio XXXX Wednesday, XX/XX/XXXX To Whom It May Concern ; XXXX XXXX had a regularly scheduled payment processed on XX/XX/XXXX in the amount of {$250.00} prior to the early payoff on XX/XX/XXXX. XXXX XXXX was made aware of the payment prior to having the payoff of {$2400.00}, plus the processing fee of {$4.00}, being processed. If an additional payment was processed, we ask that XXXX XXXX provide a copy of her bank statement to XXXX so we may further review her claims.
We respectfully decline to grant her request to refund the amount of {$250.00} until further investigations are completed once a bank statement is provided.
Sincerely, Customer Advocacy Team Corporate Offices of Check n Go and Allied Cash Advance XXXX XXXX XXXX XXXX, Ohio XXXX Wednesday, XX/XX/XXXX XXXX XXXX XXXX : I have reviewed the response made by the business in reference to complaint ID XXXX, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
These people are unbelievable. My scheduled payment of XXXX was scheduled on a pay period. My payday was on XX/XX/XXXX. They are not being truthful regarding my loan documents which I will use as proof going forward. I have all the emails that Check n Go provided me with three different pay off amount for the payoff amount. I was told on the phone my payoff amount was XXXX. I utilize mail track which shows when they have read my emails as well. If I do not receive a refund on XXXX, I will go forward with legal action and a complaint with the Financial Consumer Protection Bureau. I have attached emails back in forth with Check N Go where I am told three different amounts to pay off and a discussion in the email regarding my XXXX due on Friday, XX/XX/XXXX.
Regards, XXXX XXXX Attached Files/Documents XXXX Tuesday, XX/XX/XXXX XXXX XXXX XXXX : I have reviewed the response made by the business in reference to complaint ID XXXX, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Check n Go seems to misunderstand my complaint. I paid off the loan in the amount of XXXX. Check N Go, after I paid off my loan, debit from my checking account the amount of XXXX. I am owed a refund in the amount of XXXX due to overpayment.
Regards, XXXX XXXX Tuesday, XX/XX/XXXX XXXX XXXX XXXX : I have reviewed the response made by the business in reference to complaint ID XXXX, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
My questions was not answered. If my loan was in the amount of XXXX, why am I being told I have to pay XXXX to pay off the loan? The website doesn't show a breakdown of how my payments are appliedto my loan. If this was the case, I would not have to ask for my pay off amount. I will be filing a complaint with the Financial Consumer Protection Bureau. I have as of today, been told three different amounts for a payoff.
XXXX XXXX Tuesday, XX/XX/XXXX To Whom It May Concern ; We thank XXXX for providing us with her feedback. We would like to take this time to go over XXXX XXXX contract and provide clarification. We also apologize for any inconvenience or misunderstanding in previous communication with our Online Customer Service.
XXXX XXXX took out her loan on XX/XX/XXXX for {$2500.00}. On the first page of the Installment Loan Agreement, on the left-hand side under Federal Truth-in-Lending Statement, we provide a breakdown of the APR, Finance Charge, Amount Financed, and the Total of Payments. Further down, under the Definitions page of the Agreement, under number 3, it states We apply payments first to interest ( accrued as of the date the payment is received ), then to principal ( due as of the date the payment is received ), and then to any other charges you owe us.
XXXX XXXX voluntarily signed her loan agreement and is responsible for paying the full principal balance as outlined in the right of rescission. We respectfully decline to grant her request to close her loan as paid by us. Additionally, we do not report the Online Installment Loan in the state of California to the Credit Bureau currently.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Go and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Friday, XX/XX/XXXX Business has indicated that the payment installment amount {$250.00} made in XXXX was deducted from the final payoff amount due and, " The customer only owes for the fees/interest of the returned payment from XXXX. '' Friday, XX/XX/XXXX XXXX XXXX XXXX : I have reviewed the response made by the business in reference to complaint ID XXXX, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
There was no return payment in XXXX. This company lies to fit their need. I will go forward with legal action and the Financial Consumer Business Bureau.
XXXX XXXX
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| 10/18/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Loan payment wasn't credited to your account
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Web |
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I received emails and calls regarding unpaid Check 'n Go loan. I was told it is going to court. I had told the representative I had paid in XXXX. There was no record of the payment. I think I had been a subject of a fraud. I called Check 'n Go. The debt had not been paid. They gave me the phone number of the correct collection agency. I left a message. Also, Check 'n Go stated they are not a subsidiary of XXXX XXXX. I called XXXX XXXX and it had been paid.
The group that called me today seems to be legitimate. I was worried because the debt collector said the same things as the previous callers I had paid. I will send an email after you pay. You have to pay today or you will owe more money. Now, almost {$2000.00}.
XXXX XXXX Service Department of payday Loan DUE AMOUNT- {$890.00} LOAN COMPANY/LENDER XXXX XXXX Payday Loan Services Case Number # XXXX Case Consult Operator : Attorney XXXX XXXX XXXX XXXX XXXX TX.
Contact at : XXXX We are hereby to inform you that you are going to be legally prosecuted in the XXXX House within a couple of days.
So before something goes wrong we would like to notify you about this matter. It seems apparent that you had chosen to ignore all our efforts to contact you in order to resolve your debt with your XXXX XXXX. At this point, you had made your intentions clear and leave us no choice but to protect our interest in this matter.
XXXX XXXX XXXX XXXX HAS STATED XXXX SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( XXXX ) VIOLATION OF FEDERAL BANKING REGULATION ( XXXX ) COLLATERAL CHECK FRAUD ( XXXX ) THEFT BY DECEPTION ( XXXX ) ELECTRONIC FUND TRANSFER If we do not hear from you within XXXX hours of the date of this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition, we reserve the right to seek recovery for the balance due, as well as legal fees and any court costs incurred.
Basically all the loan companies working under XXXX XXXX XXXX are ( Cash XXXX XXXX, XXXX XXXX XXXX, Cash Advance, Check 'n Go, XXXX XXXX, XXXX XXXX, Check Into Cash, Title XXXX, 100 Days, XXXX XXXX XXXX, Cash Advance, 100 Day Loan, Net loan XXXX, Fax free Cash, Payday XXXX, XXXX XXXX Money tree, Egg loans, Check cash Loan, Quickly Payday, Personal Cash Advance, XXXX XXXX, XXXX Payday, Speedy Cash, My Cash Now, National Payday, Cash Central Loans, Cash Net XXXX, XXXX XXXX XXXX, XXXX Cash, Super Pawn, Check into Cash, Check Smart, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Cash land, Super Pawn, Cash XXXX Payday Advance ) So, it doesnt matter from which website or from which store you took out this loan main lender have a rights that they can file complaints and recover outstanding balance in the courthouse.
WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FTC & YOUR EMPLOYER AND BANK ABOUT THIS FRAUD.
As we have shared with you in previous letters, read your loan agreement ; the next step is clearly defined. It could cost us both a great deal of time and money ; you can avoid this by taking care of this now. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action.
If you do not take immediate action : We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$3600.00} and will be totally levied upon you and that would be excluding your attorney charges and the due amount pending on your name.
We have settlement amount for you with easy Biweekly and onetime settlement amount option.
XXXX. If you can make a one-time payment of {$750.00} ( same day payment ) we can close your case file with this amount only.
XXXX. If you are looking for bi-weekly payment then you have to pay the total amount of {$890.00} with payment arrangement and you can pay {$150.00} bi-weekly till paid in full.
Kindly let us know what type of payment arrangement you are looking for at XXXX XXXX provide us with the date on which you can pay so that we can update your account.
Kindly let us know are you willing to resolve this matter out of the courthouse or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out.
Note : This is your last and final chance to settle this case.
Else we are going to transfer your file to the legal department to download the case against you and you will receive the court summons at your doorstep within XXXX working days. Kindly hire an attorney.
Do revert us ASAP to stop all legal consequences against your XXXX and XXXX.
NOTE : THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.
Kindly let us know what type of payment arrangement you are looking for at XXXX Regards, XXXX XXXX XXXX XXXX XXXX.
Copyright XXXX ACE Legal Group of Attorneys | Privacy | Terms of use | XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Speedy cash Service Department of payday Loan DUE AMOUNT- {$900.00} LOAN COMPANY/LENDER Speedy cash Payday Loan Services Case Number # XXXX Case Consult Operator : Attorney XXXX XXXX XXXX XXXX XXXX TX.
Contact at : mailto : XXXX We are hereby to inform you that you are going to be legally prosecuted in the XXXX House within couple of days.
So before something goes wrong we would like to notify you about this matter. It seems apparent that you had chosen to ignore all our efforts to contact you in order to resolve your debt with your XXXX XXXX. At this point you had made your intentions clear and leave us no choice but to protect our interest in this matter.
XXXX XXXX XXXX XXXX HAS STATED XXXX SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( XXXX ) VIOLATION OF FEDERAL BANKING REGULATION ( XXXX ) COLLATERAL CHECK FRAUD ( XXXX ) THEFT BY DECEPTION ( XXXX ) ELECTRONIC FUND TRANSFER If we do not hear from you within XXXX hours of the date on this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred.
Basically all the loan companies working under XXXX XXXX XXXX are ( Cash XXXX XXXX, XXXX XXXX XXXX, Cash Advance, Check 'n Go, XXXX XXXX, XXXX XXXX, Check Into Cash, Title XXXX, 100 Days, XXXX XXXX XXXX, Cash Advance, 100 Day Loan, Net loan XXXX, Fax free Cash, Payday XXXX, XXXX XXXX Money tree, Egg loans, Check cash Loan, Quickly Payday, Personal Cash Advance, XXXX XXXX, XXXX Payday, Speedy Cash, My Cash Now, National Payday, Cash Central Loans, Cash Net XXXX, XXXX XXXX XXXX, XXXX Cash, Super Pawn, Check into Cash, Check Smart, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Cash land, Super Pawn, Cash XXXX Payday Advance ) So, it doesnt matter from which website or from which store you taken out this loan main lender have a rights that they can file complain and recover outstanding balance in the XXXX house.
WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FTC & YOUR EMPLOYER AND BANK ABOUT THIS FRAUD.
As we have shared with you in previous letters, read your loan agreement ; the next step is clearly defined. It could cost us both a great deal of time and money ; you can avoid this by taking care of this now. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action If you do not take immediate action : We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer and your references regarding this issue and the law suit will be the next step which will be amounting to {$3600.00} and will be totally levied upon you and that would be excluding your attorney charges and the due amount pending on your name.
We have settlement amount for you with easy Biweekly and onetime settlement amount option.
XXXX. If you can make onetime payment of {$750.00} ( same day payment ) we can close your case file with this amount only.
XXXX. If you are looking for bi-weekly payment then you have to pay total amount of {$900.00} with payment arrangement and you can pay {$150.00} bi-weekly till paid in full.
Kindly let us know what type of payment arrangement you are looking for at mailto : XXXX XXXX provide us with the date on which you can pay so that we can update your account.
Kindly let us know are you willing to resolve this matter out of the court house or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out.
Note : This is your last and final chance to settle this case.
Else we are going to transfer your file to the legal department to download the case against you and you will receive the court summons at your door step within XXXX working days. Kindly hire an attorney.
Do revert us ASAP to stop all legal consequences against your XXXX and XXXX.
NOTE : THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.
Kindly let us know what type of payment arrangement you are looking for at : mailto : XXXX Regards, XXXX XXXX XXXX XXXX XXXX.
Copyright XXXX ACE Legal Group of Attorneys | Privacy | Terms of use | XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT XXXX XXXX XXXX XXXX WARRANT To : Any authorized law enforcement XXXX An application by a federal law enforcement XXXX or an attorney for the government request to arrest.
The Legal charges pressed against you are : XXXX. Violation of federal banking regulation act XXXX ( C ) XXXX. Collateral check fraud XXXX. Theft by deception ( XXXX XXXX XXXX ) This carries a maximum sentence of 10 years of prison and a fine up to {$50000.00}.
YOU CAN APPLY FOR AN OUT OF COURT RESOLVE OPTION ( OOCR ) : All you do is email us back for taking care of this matter outside the XXXX house.
PS. If you fail to respond us ASAP, this XXXX XXXX will be activated. You will be Entitled for an OOCR, so please EMAIL us back ASAP.
If you pay just XXXX, we will stop this action immediately.
By requesting an offer in compromise, but if you fail to do that then we shall start the process of pressing those charges against you.
Attorney Department for XXXX XXXX and Bank XXXX ....
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Copyright ( c ) XXXX | Privacy ....
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| 01/19/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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Wednesday XX/XX/XXXX I logged onto the Check 'n Go website to apply for an installment loan in which I provided my personal information that included my bank account, routing number and social security number. The application requires you to create an account. After I submitted the application, the message states that I can log back into my newly created account periodically to check the status of the loan. I logged back in a couple times and the status showed as pending.
Friday XX/XX/XXXX ( XXXX ) An alert notification from the company was sent to my junk/spam box stating that my funds were on their way. This alert notice had the following loan terms which I never saw, reviewed, vetted or signed. How can I get funded at XXXX when I hadnt submitted my valid ID? Per their application requirements, To apply for a loan, you will need at least a valid ID, proof of income, an active checking account and a working phone number.
Loan Amount : {$XXXX} First Payment Amount : XXXX} First Payment Date : XX/XX/XXXX Note, I never noticed this email as it was sent during the early morning hours on XX/XX/XXXX. I was asleep at this time and didnt discover nor expect the approval alert notification. I discovered this alert on XX/XX/XXXX after I started to research the events that led up to the surprise funding in preparation for my CFPB complaint.
I had blocked all payday loan companies and routed them to junk/spam box. I started to receive too many emails from different pay day loan companies that I never dealt with or submitted a loan application to. I believe due to a loan that I previously took with the pay day loan company XXXX XXXX XXXX, these other pay day loan companies got my personal information and started sending me offers daily. It was interfering with important emails I intended to receive. Check n Go was one of the loan companies blocked.
How can funds have been on their way without my knowledge, approval or signature on a loan agreement? I never was able to view the loan terms or ask about the loan prior to the surprise funding Friday XX/XX/XXXX ( XXXX PST ) I logged in and the status was still pending, but there was also a new request to verify my identity by submitting a copy of my government issued identification. I uploaded a copy of my California driver license successfully.
Friday XX/XX/XXXX ( XXXX PST ) I logged into my account to check the status and the identity verification message was still there. It didn't reflect my successful upload of my California driver license earlier in the day.
So I clicked on the " contact us '' link which sends an electronic message to customer service. I was able to email customer service using the link provided within my account ( see message details in attachment ). The message details show my message was received by the company at XXXX XXXX. I informed them on this electronic submission contact form, that I uploaded my ID and if approved, would they be able to fund my account before the next Monday. I never received proper notification about an approval. Their response to this message didnt arrive until XX/XX/XXXX.
Friday XX/XX/XXXX ( Various times after XXXX ) I hadn't heard from the company so I tried to log into my account using the correct password that I initially created. I kept getting the same 5 error messages ( see error message details in attachment ) repeatedly with no success. I repeated the reset process several times to include correctly entering a password that met their requirements. The password requirements were displayed separately, after each attempt. Specific or pieces of Password reset information elsewhere is never triggered separately as it is for Check n Go.
None of the options or instructions contained in the error messages worked and I was never emailed instructions to reset my password until XX/XX/XXXX ( see 3 reset emails received from company in attachment ).
When trying to satisfy each error message, I met the password requirement and entered several different password combinations with at least one number and one letter ( i.e. XXXX! or XXXX! ) and I still got the same 5 error messages that didnt make sense, as I entering different passwords correctly based on the error message type.
Then I got another type of error message stating that I need to enter a password with at least 8 characters as they specified. No matter what I did, including entering correct password criteria, I was never able to reset my password and access my account.
After at least 5 password attempts, I proceeded to call the 800 number as noted everywhere in their communications and on their website, but I was never able to get through. I repeated the reset process many times because it didn't make sense, if I'm entering the correct criteria, why do I keep getting rerouted through each error message over and over again?
Friday XX/XX/XXXX XXXX various times throughout the day ) I called the 800 listed as noted and still was not able to get through. The greeting stated to enter my zip code so I could be routed to the respective store in my area.
After I entered my zip code, I was routed to the XXXX location and their greeting stated their offices are now closed, to please call back on the next business day. The next business day would be the following Monday XX/XX/XXXX.
XX/XX/XXXX My bank was credited with loan fund amount of XXXX XX/XX/XXXX An ACH debit for {$XXXX} was taken from my checking account. This was their second big surprise. I never knew what the monthly repayment terms were until XX/XX/XXXX. I was very worried and felt extremely nervous, as I used the surprised funding. I was in distress, hence me seeking an installment loan. I decided, oh well, I did apply and I did get the loan funds. I was feeling like this was my obligation to pay.
XX/XX/XXXX The second payment for {$XXXX} was taken from my checking account.
XX/XX/XXXX I felt that although I was funded, I never signed a contract agreeing to those terms. It's wrong to surprise a person already in financial distress with {$XXXX} and charge a repayment rate of % XXXX resulting in a total loan payment of {$XXXX} after 11 payments of {$XXXX} each month. If I could truly afford this loan and still be able to feed my family, I wouldn't have needed a loan in the first place.
Due to the uneasiness and stress of this new obligation, I called my bank and submitted paperwork to reverse the fees. While I did use the funds, I realized that I never signed a loan agreement. The process took a few days and was finally credited back to my account on XX/XX/XXXX in the amount of {$XXXX}.
XX/XX/XXXX As I was retracing my steps and trying to recall and retrieve all events & applicable documentation leading up to this predatory loan, I found the notice of approval that was auto generated & sent from XXXX. The date and time showing as received in my gmail inbox is : XX/XX/XXXX, XXXX XXXX.
XX/XX/XXXX Due to the reversal of fees from my bank, a Check n Go representative called me to ask for my debit card number. I explained to him that I never received the loan agreement and that I could not afford their terms and that I would be disputing the matter with concerned regulating agencies or other concerned parties regarding my consumer rights and the fact that I never signed a contract with them.
Also, a follow up email about how I could repay the loan was sent the same day. I received two communications in one day about repayment.
XX/XX/XXXX ( XXXX PST ) Company sends me notice regarding bank reversal and requesting that I contact them to start repaying this now delinquent loan. My XXXX payment includes interest and totals {$XXXX}.
XX/XX/XXXX ( XXXX PST ) I emailed the following message to the company : The links sent do not work. I applied for this loan, but was declined, then I was " surprised '' to see the money in my account, but no one had discussed payment agreement. I would not have accepted the loan at the rate or payment of {XXXX} per month. That defeats the purpose of needing money. I needed money and a loan, but the payment per month is too costly and I can not afford that. I think this business practice of the surprise element is predatory. You know I was desperate, but funding me unexpectedly without discussing payment terms with me is unacceptable.
I will repay the loan, but the links do not work, just as I tried to log into my account before you all funded me, but was and still am unable to access my account to date. I will document these events for future purposes, to include contacting the Federal Trade Commission for violations under the Fair Credit Reporting Act.
I still can not access my account to view the activity to include message history, loan signing history/proof. They never bothered to follow up with me regarding the loan terms or approval. Well they did up to the point they successfully validated that I was in fact the borrower when I submitted my official ID. They obviously verified my bank info and that I did, in fact, have an active valid checking account from which they could take my money at whatever term they agreed upon for me.
I have received over 10 calls and emails since I reversed the fees.
Their contact us number XXXX doesn't work ; you can't get a real live person on the phone. It leads you in circles to your respective store location that is closed. This number is listed on all messages prior to them funding your account/loan. You are not given their actual customer email address until you default or become late with your payments. All other contact us links sends you to an online submission form which gets routed to their customer service.
Ironically, t the return call phone number XXXX can also connect you to a real live person if you press option 2 during business hours. But first, immediately the caller/customer is given step by step instructions to enter your financial information through their auto payment system which is open and can accept payments at any time of the day. They do not offer the same availability and flexibility for consumers trying to inquire about their loan terms or ask questions about any discrepancies. Offering unlimited hours by which to receive automatic payments benefits them and ultimately creates a greater possibility of ensuring they can receive repayment funds.
Once they have your bank account verified, they approve you right away and auto determine loan terms. They already have your bank information early on because it's required to apply for the loan. They dont have to wait for you to submit an official Government issued ID as evidenced in my case.
XX/XX/XXXX Company sends me loan agreement with the following customer e-signature on file in the space where my signature should go. I never submitted an approval to approved or sign electronically. This is not acceptable to receive a loan agreement three months after the fact. I was never able to view this document and I did not sign it.
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| 04/26/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Loan payment wasn't credited to your account
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Web |
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I had taken a payday loan from the XXXX XXXX XXXX store located in XXXX, KY XXXX ( XXXX XXXX XXXX ) in the amount of {$500.00} and my date of payment was on Friday,XX/XX/XXXX. The total amount to pay was {$580.00} ( {$500.00} for the Principal amount + {$89.00} for the interest fees ). I've been a regular customer and has been doing business with this particular store for about a year now and I had never had any issue. However, within the last month or so they must have hired a new employee and this was my second interaction with her. So on this particular day, I went to the store around XXXX XXXX on Friday, XXXX XXXX and told the lady my last name so as to pull my account. She told me the amount which I owed that I made the payment like I always did. I handed the lady {$590.00} in cash ( 5 {$100.00} bills, 1 {$50.00} bill, and 2 {$20.00} bills ). I signed my paperwork certifying the transaction and she handed me back {$0.00} change. The paperwork which I have copy states at this time it was XXXX XXXX. Until this point everything looked normal. I went ahead and told her I'm resigning for another loan. I told her I had all the necessary documents ( a blank personal check and also a current pay statement in case I needed a new one ). She looked into the system and said yes, I needed a new pay statement since the one on file had expired. So I filled out and signed the new check while she did the new paperwork. I handed her both my signed check and my new pay statement. I then asked her if there's a way I could get an extension on this new one because I wouldn't be in town on the day it would be due. She said, " We will see, let me finish this new application. '' This whole time it was me and her alone in the store. Then another customer walks in and out of nowhere, the lady tells me if I could step aside in order for her to help this new customer since my application would take a little longer. This was my first " red flag '' because I have never been asked to let another customer skip line since the protocol was all customers were served on a first-come-first-serve basis. I was a little bit confused but eventually did comply. After she got done with the customer, I went back to her and this is where everything began making sense. She said I'll help you get the extension and went ahead and said, " But you'll owe me. '' I then said " what do you mean, I'll owe you? '' She asked how much I was resigning for. I said the same {$500.00}. She then said I'll only get {$350.00} today. I was confused at this point and I asked " but I'm resigning for {$500.00}? '' She said yes, but I'm helping you out with the extension. I then knew what she was getting at which was I would personally pay her out of the {$500.00} for the favor of extending my due date. All I was asking is for an extension from the company and not as a personal favor. I immediately told her that doesn't sound right or legal. At this point my application had gone through and she said I'm only giving you {$350.00}. I went ahead and told her, " To forget it because I'm not doing it and I don't want it anymore. Give me back my documents. '' She then refused. I warned her I'll call the cops on her. Realizing I wasn't bluffing, she then switched her story and said, " Actually, you owe me from last time. '' " I overpaid you last time. '' I knew that she was trying to get back at me for not going along with her side-deal and so I told her thats a lie. I asked for the proof and she said there was none. She said to have realized it when I had left. I warned her one last time to give me back my documents or I'll call the cops. She started doing something hurriedly on her PC and I knew something wasn't right. I called the cops right away and reported I was in the middle of a fraudulent scheme and being swindled. When she saw me on the phone with the dispatcher she also got on her phone to call her supervisor. She went far away that way I couldn't hear what she was saying. While I waited for the cops to come, she got off the phone and tried to have a conversation with me. I told her the cops were on their way and I don't want to discuss anything further. I asked for my receipt from the paid loan and that's when she said, I voided it. I was like, " excused me? I already paid, signed, and got changed for it. '' She then switched her story again and said, you never paid the whole amount. She said I only paid {$220.00}. At this point, I knew she was trying to cover herself and even then continued to get rid of some paperwork and all sorts of things. I didn't see what she doing due to the fact of the glass barrier between her and me. I knew there were cameras and so I wasn't worried that much. So when the cop showed up, I told him what had happened and at this point the lady was on her phone again presumably with her supervisor. Her supervisor was telling her to count the money in the drawer again and this whole time the cop and I waited for her to finish. The cop asked to speak to the Supervisor and they talked for a little and at some point asked if the cameras worked. When he got off the phone, the lady tried to offer me the {$220.00} back and the cop advised not to take any money from her. He had recorded my statement oh his police-issued camera. Since my folder was still visible on the desk, I told the cop I did sign some paperwork showing me making the payment. I told him it's in the folder and pointed it out to him. The lady said that wasn't my folder in which the cop insisted to see it. My name was on it. When she opened the folder, the paperwork was on top. The cop asked for the copy and that's how I got it. It shows how much I owed, how much I paid, how much cash she received and how much change I got. It shows the date and time and any if there was any void transaction it happened later on after I had called the cops. I even showed the cop the actual change handed to me. It's all in his video. I was advised to file a complaint with the headquarters to which I did that same day after leaving the store. I do have a case number but haven't heard anything from them yet. I went a step further to file this. The lady in question said her name is XXXX XXXX if she actually gave me her real name. I still cant believe she was trying to lure me in on a pay-on-the-side deal which ended up backfiring on her. Then while trying to cover for herself after I involved the cops, she recklessly tried to sabotage my account. I'm sure I'm not the first person she's done this to. I'm just the first to call her out and get her in trouble.
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| 09/15/2022 |
Yes |
- Debt collection
- Payday loan debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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On XX/XX/2022 @ XXXX, I received a voicemail message from an unknown number, the person identified herself as XXXX XXXX and stated that a claim had been filed against me. The return phone number provided was XXXX and the message included a claim number for reference. The voicemail does not include the debt collector disclosure notice so I initially disregarded it as a scam, but then they called my son and left him a similar message intended for me, so I called the number. The first person who answered ( XXXX ) hung up on me when I started asking questions, so I called back and the same person answered, using a different name ( XXXX ), both sounded identical to the person who left the voicemail. They spoke very fast from the time they answered until the end of the call. They said they are a litigation firm hired to serve an order of garnishment for a defaulted payday loan. I don't have this type of account, but even if I did, they did not follow required debt collection procedure. The call started somewhat normally, although fast talking, they asked for the last four of my SSN and when I hesitated, they said they could tell me my entire SSN and that they just need me to acknowledge it so they could work with me to resolve the matter. I express the reason for my concern was privacy related, but they went on to give my full SSN, address, bank name, and previous employer. When I asked why nothing had been mailed to me, they said that was what the process server was for. When I asked what court it was filed in, they said that it hadn't been filed yet and they were giving me an opportunity to " de-escalate '' by paying off the debt, or providing bank records proving payment. I asked why they didn't provide the standard debt collector disclosures both during the voicemail and the phone call and they replied that they are just litigators that also handle alimony and child support, but they continued with debt collection practices. I work for a XXXXXXXX XXXX XXXX XXXX, so I knew what they were saying was wrong and illegal. They began the call by naming my previous employer, but I believe they may have been searching my name online because the went on to name my current employer, position, and an LLC that I have registered. They said that a process server was on the way to my employer to give them " papers '' for a garnishment order, but then they went back to saying that a lawsuit had not been filed and when I questioned how they had an order without a lawsuit, they said that " you think you know what you're talking about, but you're ignorant ''. They tried intimidating me with threatening and abusive language, calling me a XXXX for not paying my bills and that the process server would tell my employer everything. I did not disclose that my parent company is a XXXX XXXX XXXX XXXX, I just stated that I would wait for the server to deliver the paperwork so that I could gather the information that they were not willing to provide. I explained that it was odd that they had no problem giving out my SSN, but that they wouldn't tell me the amount of the debt or provide basic details about their firm. They stated that they were registered in Michigan, but I did not find them on the XXXX entity search. The only information I could find online were several XXXX complaints describing a nearly identical interaction as my own. They ended the call by yelling at me to pay my bills. That evening, my sister-in-law called me to share a voicemail that she received from XXXX XXXX, it sounded like the exact same recording that I received earlier in the day. I explained that it was not legitimate and advised her to ignore the calls and to block the number if she is able to.
On XX/XX/2022 at XXXX, I received a call at work from XXXX, the woman identified herself as XXXX XXXX and stated that she was outside of my office building to file papers unless I called their office to get my order reversed. She would not explain what order she was talking about and when I again tried to find out more information about her company, before hanging up on me, she yelled into the phone that she was coming inside and I better have 2 forms of Identification and that I should inform my supervisor that I am leaving early today. I tried calling XXXX back, but there was no answer so I called the XXXX number given yesterday and spoke to a person who said their name was XXXX. Again, I asked for the name and business address of the company but she would only tell me " XXXX '' and said that they don't give out their address, when I pushed for more information, she hung up on me. I immediately called back and spoke to XXXX, I asked for their business name and address, she said " XXXX '', I explained that this wasn't enough information and she said they don't have a website, I said I was searching on the State of Michigan business registry, but she talked over me and went back to asking if I was planning on paying my bill today to avoid charges. She made several threatening statements during the call, but I just kept asking questions about their firm which she refused to answer. I said that I wanted the information so that I could file a police report, but she told me I can't do that because they have legal garnishment papers to serve me, but when I again asked which court they were filed in, she said that information is sealed. I told XXXX that XXXX XXXX said that she was outside my office to serve my employer with these papers and that I wanted her to proceed with serving them because I work for a law firm and they will know what to do. Before hanging up on me, she told me that I needed 1 form of ID and would need my supervisor to witness them charging me.
I have lived at the same address for more than a decade and have not received any letters regarding this matter so I am not able to upload any documents with this complaint. I have reported this to the FBI ( ic3.gov ), State Attorney General, and now CFPB.
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| 12/01/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. AXCSSFN/CNGO & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 09/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. 12 CHECK N GO bal. {$1900.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 11/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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THIS COMPLAINT IS IN REGARD TO INACCURATE INFORMATION EXISTING ON MY XXXX/XXXX XXXX CREDIT REPORT. THIS COMPLAINT IS AGAINST AXCESS FINANCIAL AT THIS TIME.
This is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act.
AXCESS FINANCIAL provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. AXCESS FINANCIAL regularly furnishes consumer credit reports to Creditors electronically. AXCESS FINANCIAL is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers.
AXCESS FINANCIAL routinely receives complaints from consumers who claim they do not owe the debt or that an account is invalid or incorrect. In numerous instances, I have notified AXCESS FINANCIAL at the address specified for such disputes that AXCESS FINANCIAL is reporting inaccurate information concerning my consumer credit. As a victim of identity theft I expect the information in my consumer report to be accurate and my disputes taken seriously.
AXCESS FINANCIAL has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to AXCESS FINANCIAL. AXCESS FINANCIAL receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on AXCESS FINANCIAL S website.
Pursuant to Section 623 ( b ) ( 1 ) of the FCRA, AXCESS FINANCIAL, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is AXCESS FINANCIAL s policy and practice only to compare the name, social security number, date of birth, and address in AXCESS FINANCIAL s computer database with the information provided on ACDV forms. Where three of the four items match, AXCESS FINANCIAL will report to the Consumer that it has verified the information it furnished as accurate. It is AXCESS FINANCIAL s policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because AXCESS FINANCIAL collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records.
In disputes involving identity theft or fraud allegations, AXCESS FINANCIAL s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, AXCESS FINANCIAL will verify the previously reported information without conducting any investigation prior to such verification. In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, AXCESS FINANCIAL continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. In numerous instances, I have contacted AXCESS FINANCIAL at the address specified by AXCESS FINANCIAL to dispute information furnished by AXCESS FINANCIAL to a Creditor and to notify AXCESS FINANCIAL that the information is inaccurate.
In numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ).
Under Sections 13 ( b ) and 19 of the FTC Act, 15 U.S.C. 53 ( b ) and 57b, I am able to recover all equitable and ancillary relief as it may deem appropriate in the enforcement of the FCRA, the FDCPA, and the FTC Act, including the ability to order rescission or reformation of contracts, restitution, the refund of monies paid, and disgorgement to deprive a wrongdoer of ill-gotten gain.
Section 621 of the FCRA, 15 U.S.C. 1681s, authorizes a Court to award monetary civil penalties of not more than {$2500.00} per violation for each violation of Sections 623 ( a ) ( 3 ) and 623 ( b ) of the FCRA.
I want AXCESS FINANCIAL to remove these inaccurate items.
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| 05/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
|
|
Web |
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On XX/XX/XXXX, I opened an account for an installment loan with Check n ' Go. The loan was for the amount of {$4000.00}. To repay this loan, I agreed to make bi-weekly payments of {$260.00}. The first three payments were made in person at the store by debit card. Afterwards, automatic payments were submitted on my behalf.
During the week of XX/XX/XXXX, I received a call from the store manager. She informed me that an audit was conducted and that I need to come by the store to review my application. I informed the manager that I was traveling for work and vacation and I wasn't sure when I could make it in. She insisted that I come by as soon as possible and I told her that I would try. By the end of the week, several calls were made to my phone telling me to come by the store. I asked the store manager to stop calling, in regard to the application review, and as I stated before I would come by when I could.
The following week my automatic payment for XX/XX/XXXX was not completed. The store manager called me and said my payment was returned for non-sufficient funds. She told me that I needed to make a debit card payment in the store. I told her this can not be true since funds are in my account. I asked if I could pay over the phone or by another method and I was told no. I was told that I could not use any of Check n ' Go 's payment methods except for in store payment. THIS WAS CLEARLY A TACTIC TO FORCE ME INTO THE STORE. I was on XXXX vacation at the time and couldn't make it to the store until XX/XX/XXXX.
After arriving at the store, the manager opened a folder with my loan application and said an audit was done and that I need to sign my initials next to changes that were made. I reviewed my loan application and someone made several changes to my application as if they were me. My pay date was changed, someone switched salary to hourly, and my actual wages amount had a question mark. The store manager told me that legally I'm the only one who could make changes to this part of the form since I signed it already. She asked that I initial by the changes. I asked the manager why someone would make these changes without my consent if they know its illegal. She said it's not illegal if I initial by the changes.
I told her that the changes were incorrect and I would not initial them. She insisted the changes were correct and I was not a salary employee. I showed her my earnings statement and asked what made her believe I wasn't a salary employee. She said she thought that because of my age she assumed I was hourly. I declined to help falsify my records. We now explored why my payment was returned.
The manager stated again that my payment was returned due to insufficient funds. I showed the manager my bank statement reflecting my balance on the transaction date. This proved that the insufficient funds excuse was not true. However, the store manager insisted this was true and showed me the returned transaction record. After reviewing her form, the actual reason for the failed payment was due to " Account not found ''. The manager created a new excuse and said that I must have changed or closed my account. I opened my banking app on my phone and should her that the account was open and unchanged. As I reviewed the transaction record, I noticed that someone added several zeros to my account number.
I informed the manager of the discrepancy with my account number and she insisted that I provided that number. I showed her on my loan application, that we just reviewed, I did not include the zero 's. I also reminded her that for months my payments went through without issue.
No good explanation was provided. It was clear at this point that my account info was changed on purpose. This was to cause my payment not to go through and force me into the store as the manager previously wanted.
As a result of these awful tactics, it has caused me huge financial harm. My daily balance increased from the forced missed payment creating additional interest that I now owe. I was charged return fees and late fees that were not removed. And due to being behind and owing several payments at once, I was forced into a hole that I can't seem to get out of. This problem is now negatively reporting to the credit bureaus and caused a drop of 20+ points to my credit score.
I have contacted corporate several times and I have only received blanket emails stating they will look into the issue and forward my complaint to the district manager. To date, these issues have not been resolved. The negative financial impacts are growing by the day. Check n Go is a large business with several locations. This issue could potentially be happening to hundreds of other hard-working people who use their services. Please lend some assistance in this matter.
|
| 07/21/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
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Web |
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XXXX XXXX, 2017 I started working with XXXX debt solutions a consumer credit counseling organization. A official letter and Debt Management Program Proposal along with a good faith payment ( DMP ) was sent to the Check N Go Company requesting they either accept or reject the offer. During a 4 month period of time, Check N Go Managers did not return any calls nor did they send my account to the proper department to communicate with me. But simultaneously, they were also cashing the proposed monthly payment amount we were sending of {$350.00}. To make matters worse, they continued to try and withdraw via ACH the regular payment of {$250.00}. That continued ACH extraction to my account caused NSF charges in excess of {$1000.00}. It is to be noted that in some cases my bank, XXXX XXXX XXXX paid the payment of {$250.00} to Check N Go via my overdraft protection plan. Also, during this time I was working with XXXX XXXX XXXX to satisfy their account requirement for that pay back. Their policy was, I could not close the account with an outstanding negative balance. Therefore I was unable to stop the continued activity. I physically went into the local branch on XXXX XXXX, 2017 and spoke to the counter clerk first. She told me she wasnt supposed to tell me that the ACH could be stopped but I could talk to the Manager about it. Therefore, I talked to the Manager about the situation and requested the ACH to stop it. She was reluctant to stop it, she said its because the system was automated and Check N Go is trying to collect on a debt. She also informed me that the account had not gone into collections because of my periodic payments. It takes 60 days for my account to be kicked into collections. If I would stop paying the payments then I would go to collections and stop the ACHs. I explained I was trying to prevent going to collections but to work out a plan. She said that the only way to do so would be to go to collections, but in the meantime she could remove the ACH. I asked why the clerks didnt remove the ACH before when asked the other times and she said she didnt know. After such a long period and the additional debt I incurred with them I had no other choice but to stop paying them the proposal amount. With those funds I was able to clear up my debt with the bank and stop the activity on the account. It was only after that and the closure of activity on my bank account that I started getting any communication from Check N Go. However even after I physically went into the branch, spoke to the Manager and requested the ACH be removed, yet still the ACH continued. Then when I called and spoke to the Manager and told her it was the same amount, she told me it had to be another company with the same amount. It was at that point I knew I needed to reach out to CFPB ; no other consumer should go through this. Over a 4 month period either myself or XXXX who had my written authorization to talk on my behalf contacted Check N Go. At these times : XXXX XXXX, 2017 Regular on time payment {$250.00} XXXX XXXX, 2017 Proposal Letter XXXX XXXX, 2017 Regular on time payment XXXX XXXX XXXX, 2017 - Proposal check {$350.00} Called Branch Office Manager not available - XXXX XXXX, 2017 Called Branch Office Manager to call back. Didnt know the status on the account XXXX XXXX, 2017 Called with XXXX Rep. status of the account unknown. - XXXX XXXX, 2017 XXXX XXXX, 2017 Proposal check {$350.00} Called Branch Office Manager not available XXXX XXXX, 2017 Called Branch Office status of account not available XXXX XXXX, 2017 XXXX XXXX, 2017 Proposal check {$350.00} Called Branch Office status of account not available XXXX XXXX, 2017 Went into Branch and spoke to Manager regarding ACH & previous request XXXX XXXX, 2017 Called Branch and spoke to Manager regarding additional ACH charges on XXXX XXXX XXXX, 2017 My Bank charges I had to pay off totaled XXXX. These companies are and can be a good thing when people are in need like myself. We reach out to consumer credit agencies like XXXX to help us and we want them to speak for us because we are overwhelmed by the other problems we are facing at the time. So companies that quickly get on board, help everyone across the board. But when it takes a company 4 months to communicate and stop ACH activity on an account. Which also causes additional debt in the process it 's simply wrong to the consumer. This situation with Check N Go has left me in further financial hardship and distress. I am sure other consumers have found the same type of resistance with these types of companies. There should be a time limit place upon creditors to respond to request especially if they cash a good faith proposal payment.
|
| 12/31/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
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XX/XX/XXXX - my boss received a call from XXXX XXXX from " location Services ''. XXXX XXXX gave boss my SS # and stated that he needed to serve me a court summons for case # XXXX. asked my boss to have me call him ( XXXX XXXX at XXXX.
XX/XX/XXXX - boss retrieved me from a meeting to give me this mssg. I immediately called XXXX XXXX at XXXX. The lady I spoke with didn't even know who XXXX XXXX was until I said he was with " Location Services '' and then she said ohhh yes, he's a server. She then sent me to a lady with XXXX XXXX. She informed me that case # XXXX XXXX XXXX was filed in XXXX XXXX ( XXXX XXXX had said case was filed in XXXX XXXX ) for Breach of Contract, fraud, and " multiple other reasons '' from Chev-n-go. I let her know I have never taken a loan from Check-n- go and may I please have something verifying the debt in writing sent to my current address. She then asked to verify my address which I would not, as if there is truly a case against me they should have my current address. She informed me they are a collection company and I would need to call Check-N-Go to get a copy of debt in writing.
XXXX called CheckNGo. Lady had no idea what I was talking about but did eventually find a loan from XXXX that had been taken out in my married name of XXXX XXXX for {$1800.00}. I informed her that I had never taken a loan from CheckNGo so what do I do ad I'm receiving calls at work threatening legal action against me. She had no clue what to do so she gave me an XXXX feedback number to call.
XXXX called CheckNGo feedback line at XXXX. Eventually this person directed me to XXXX XXXX XXXX which is who they sold the loan to when it wasn't repaid. He could not tell me what to do about the loan not being mine but told me to call XXXX XXXX for help.
XXXX called XXXX XXXX and left mssg (? ). XXXX.
**note that during this time, calls from XXXX Services were still coming in to my boss.
XXXX XXXX am I received the following voice mail " Hi this message is for XXXX XXXX this is XXXX XXXX I'm calling in regards to a wage garnishment and lean that's been filed against you by XXXX XXXX and XXXX through XXXX XXXX Kansas State law does mandate that we hold this legal documentation for a 24 hour period. The hold is designed to allow you an opportunity to voluntarily resolve this matter directly with XXXX XXXX and XXXX before litigation at XXXX XXXX. Your case number is required when you calling. '' XXXX I called XXXX XXXX and XXXX XXXX XXXX and spoke with XXXX XXXX who informed me that original debt is in the amount of {$2400.00} but I could settle today before XXXX pm for {$990.00}. I told him the debt is not mine and he said legal proceedings would continue. ( This dollar amount is different than what XXXX XXXX gave me ) I told him I would have to move money around to pay ( not having any clue what I'm paying for ) and I would make some calls and call him back.
XXXX called CheckNGo again to try to get some answers. He sent me to a local store in XXXX who then offered me a payday loan!!! I said I am trying to figure out a past loan that I didn't take that I'm now getting threatening calls about. He then sent me back to the XXXX number for feedback line.
XX/XX/XXXX XXXX am received the following message on voice mail : " Hi this message is for XXXX XXXX this is XXXX XXXX I'm calling in regards to a wage garnishment lean that was filed against you by XXXX XXXX and XXXX legal firm. I left a voicemail at this number on the eighth regarding this case. I have not received the stop order from the firm so I have to dispatch a process server out in the field to serve you at your place of employment so seems that you're in education you probably won't get it till the XXXX XXXX. So you do have a bigger window if you're looking to resolve this but you understand if it's not resolved you will be going in for a full wage garnishment leans when they come out to your place of employment make sure they have a manager or supervisor available to service of witness .... '' I still have no written verification of debt and continue to receive calls threatening legal action at my place of employment.
The last VM from XXXX XXXX acknowledged that I was out of school for the winter break but that legal action would continue after the XXXX XXXX??? And they apparently don't have my current home address which I'm assuming is why they continue to call my place of employment. The dollar amounts that these people are giving me are different.
This all seems like a big scam to me but I can not get any clear answers.
|
| 11/13/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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On XX/XX/2019, I was contacted by a company who identified themselves as a " contact entity '' named XXXX XXXX. They stated a claim was being filed against me regarding a pay-day loan I had taken out 6 years ago and the matter needed to be resolved immediately. The representative quoted the overdue funds as {$750.00}. According to XXXX XXXX, a letter had been mailed to my address 30 days prior to this call and I never responded.I was informed the matter would be taken to court if I did not pay in full that day. I diligently check my mail and I never received a letter. I requested XXXX XXXX email me the information. The representative stated everything I needed to know could be verified through him. He knew my former address, my current address and my ex-husband 's name. I reiterated that I wanted to see actual documentation of this claim before committing to any sort of payment. He transferred me to another representative. This representative became even more aggressive and interrupted me when I was in the middle of my sentences. She verified my mailing address, and she read my zip code wrong. I corrected her. At the time, I was shaken and did not realize the significance until I replayed the conversation in my mind later. She stated that, with interest, I owed {$1700.00}. I informed her that the previous representative quoted me {$750.00}. She replied an error had occurred, and she had presented me with the correct amount. I do not have this kind of money and I explained this to her. A negotiation of sorts began. She would have me state what I could pay, I would name a price, she would respond with " not acceptable ''. We settled at {$800.00}. She had to, because that is the maximum amount of money I have. She then navigated me to a payment website ( a separate entity who are legitimate ). I paid the amount. The invoice did not have XXXX XXXX listed. No company was listed, just an invoice number. I called the number for XXXX Services and the phone number rang once and stated " the mailbox is full. '' I called the payment number listed on the invoice. They stated they could reach out to XXXX XXXX. Who was XXXX XXXX? I noticed that in front of the actual invoice number were the letters XXXX, but that was the only connection I could make. I asked the payment center to provide me with XXXX 's phone number and they complied. That number, again, rang once and stated " the mailbox is full ''. On XX/XX/XXXX, I began calling all the numbers related to to this case. The numbers were either disconnected or the mailbox was full. I did a XXXX search on XXXX XXXX - there is a company that does exist. However, they have a legitimate number. They also have their own website to make payments on. Even more troubling, their website has issued a disclaimer stating a fraudulent company is using their name " XXXX XXXX ''. This disclaimer is in a red bold box that can not be missed to those who may be looking for it.
On XX/XX/XXXX, I received an email with a document attached requiring my signature for the transaction to be complete.In addition, I received a voicemail in the morning stating an email had been sent. On the top right hand side of the email was an address and phone number. I used XXXX XXXX to see what this address looked like. While the location was an office plaza, the condition was appalling. However, I noticed there were suite numbers for all offices. The suite numbers included a letter and a number. There was not a suite number on my invoice. I called the phone number ( a different number from all the others ) to get the suite number. When the representative answered I introduced myself. She knew exactly who I was and began asking me about the documents. She didn't ask me to verify an invoice number. I began making inquiries and requested the full address. She said " 6 ''. I said I needed the full number and the exact title of the organization. She replied that " they '' have already contacted me. I asked her, " how exactly are 'they ' ''? She began to stutter. She tried to push it back on me. I can asked her who " they '' were. She said, " we will refund your money ''. By this time the credit card was already cancelled. I tried to ask more questions, but she hung up. When I tried to call back, the mailbox was full. I looked up the Statute of Limitations in my state is 5 years. This debt was attempted to be collected over 6 years later. Per the Fair Debt Collection Practices Act, the threat of taking me to court after the statute of limitations is expired is against federal law.
|
| 05/22/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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Last year I h ad a loan trough Check N Go . I made my payments on time every month. Then one day in XXXX 2016 XXXX Check N Go employees decided that they would draft money from my checking account 3 times in 3 days without my permission. There was money drafted on XX/XX/XXXX as my scheduled payment by employee XXXX . Then that same day employee XXXX withdrew another payment of {$180.00}. If that was n't bad enough, employee XXXX withdrew yet another {$180.00}. This obviously did n't go too well for me and my bank account. Immediately upon finding out that my bank account had over drafted and had fees charged to me, I called my bank to ask them why. My bank told me that Chec k N Go had drafted my account 3 times. I ran as fast as I could to Check N G o and started asking questions. At first I was told that I needed to talk to my bank so they could reimburse me my money back. I was n't happy about it but I went back to my bank and spoke with XXXX XXXX . He told me that there was nothing that the bank could do because Check N Go had authorization to draft from my account. I explained to him that they did n't have authorization to draft 3 times in 3 days. I explained to him that if they looked at my banking history they would see that only 1 payment a month for the exact same amount was drafted from my bank account every month for the la st 8 months prior. I was still told nothing could be done. Obviously I was upset but I decided to go back to Check N Go.
I went back to Check N Go and demanded to speak to someone with authority. I was not going to allow them to cause me fees and ruin my credibility for something I did n't do. I finally spoke to a manager named XXXX . She admitted to me that what the company had done was wrong. She even admitted to me that the XXXX girls that had done the illegal withdrawals were no longer with the company. I asked for their names but she could n't help me with that only that she would provide me documents with their employee ID numbers. She suggested I go back to the bank again to do charge backs and get reimbursed the fees so I went back to XXXX . To cut down on time and typing space I went back and forth from XXXX to Check N Go for various days. I spoke with managers and employees of XXXX in different branches named XXXX XXXX , XXXX XXXX , and XXXX XXXX . They all told me there was nothing to be done. I finally went back to Check N Go and was ready to blow up but the supervisor admitted fault and got authorization from the manager to reimburse me the late fees caused from the overdrafts but not the actual overdraft money. I was told I would still have to fight with my bank for those. I finally said ok. In fact, I continued to pay them in person even after this happened and they had withdrawn additional payments for no reason. I got a receipt showing I paid them on XX/XX/XXXX . In the end though I was owed money still. Finally after 2 months I get my money back from XXXX . They decided that this did merit a charge back and they would give me my money back . One would think, " OK problem solved. '' One w ould be wrong. Once I got my money back from XXXX , C heck N Go 's automated system went haywire. It could n't figure out how and when to draft my money. It also could n't figure out what was owed and what was n't as their system attempted to draft money and reimburse it over and over again on the same day. Finally, somehow in the end which I still ca n't figure out how or why they decided to report me 30 days late in XX/XX/XXXX and XX/XX/XXXX . I am beyond outraged! I called and spoke with Check N Go about this and in the end they admitted fault and decided to settle the remaining loan balance with me because of how they royally screwed this up and that they would take care of everything. Again I thought the matter was settled. Again it was n't. I have worked on my credit for the last 9 years making sure th at my history was perfect. Until this, it was. I will present you with a copy of my report that will show you other than this Check N Go, I am immaculate. Believe me when I say that I will not let this stand. If Check N Go does not remove these late payments that stem from their screwed up billing system and their rogue employees trying to draft more money than was allowed I would still have perfect credit. Please help me in making Check N Go fix this late payment before I have to call an attorney and sue them.
|
| 06/16/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
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|
Web |
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I applied for an installment loan to pay the deposit on my new apartment in XXXX 2017. At the time I did not qualify for a regular loan due to my credit history. I had used check-n-go for smaller payday loans ( {$300.00} or less ) before and paid them off consistently. Check-n-go had been sending me emails, mailers and other notifications to apply for a large installment loan. Due to my credit and inability to obtain a conventional loan or credit card, I decided to obtain the installment loan from Check-n-go, because they did not consider my credit rating, and offered to use my " job as my credit ''. My plan was to rapidly pay off the loan once my deposit was returned from my former landlord. The loan was issued to me in XXXX with a six month repayment schedule from the store in XXXX, CA. My first payment was due in XX/XX/XXXX by the First on my pay date of XX/XX/XXXX, in an amount of over {$500.00}. I could not make that payment because I had not received my deposit back from my landlord, and needed to use my paycheck funds to pay rent at my new place. When I went in the store to postpone my payment, I was offered a refinance deal by the clerk XXXX. She informed me that if I refinanced the loan for a longer term, I could skip two payments and nothing would accrue or be due on the loan until XX/XX/XXXX. She told me that repaying on a longer schedule would lower my payments, and I still had the option to repay the entire amount in advance. I agreed and we completed the transaction to refinance my loan. She explained the paperwork was identical to the original loan document, so I signed them based on my understanding of the original terms, with a longer repayment schedule and lower payment. She then offered that I could make a payment for a lower amount of about {$350.00} in advance of my due date, that would reduce my overall balance and delay my first payment even further. I agreed and paid her the {$350.00} or so.
On XX/XX/XXXX, I received a message from XXXX to inform me they had attempted to process a payment and it did not go through on my account. I was unable to return her call until XX/XX/XXXX, where she informed me that I was two months past due and accruing on interest for the loan issued since XX/XX/XXXX. She indicated that any payment I would make would go directly to interest, since I was past due more than three months. When I protested and said that I did not expect a payment due until XX/XX/XXXX, she became defensive. I made a payment again which was entirely absorbed by the interest accrued on the account.
XX/XX/XXXX directed me to file a complaint with Check-n-go customer service regarding the interest and the new terms. I did and two weeks later spoke with XXXX XXXX, district manager for the store. XXXX informed me that he understood my confusion and would attempt to get approval from his manager to waive the additional interest so I could pay down my loan. When we spoke about the terms of the refinance, he became defensive and said " It 's not our fault that you do not understand your contract, '' and then hung up on me.
Since then I have called the customer service line several times to escalate the complaint to get the additional interest waived ; the last time I was informed I would receive a call back within 7 days and there has been no reply. Meanwhile my balance has been ballooning and I currently owe nearly 50 % more than the disbursal amount on the loan. XXXX will not return my calls and has hung up on me several times. In XX/XX/XXXX I attempted to make a partial payment to reduce my balance but XXXX and XXXX from the store would not accept my partial payment because I would not provide a credit card and wanted to pay with my bank account as I did with prior payments.The store refused to allow me to refinance the loan again to obtain lower payments, I was told it was a " done deal. '' Since then, I have received one call from the store requesting payment, but not addressing my complaints regarding the payment and interest issues.
|
| 04/07/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
For the duration of two weeks, I have been getting harassing phone calls from what I believe to be a person attempting to commit fraud against me. A guy called me fast talking and rarely trying to let me get a word in. He accused me of a debt that is not mines from a XXXX XXXX XXXX in DC. There is not a XXXX XXXX XXXX in DC. The District of Columbia XXXX banned these types of places over 20 years ago because of the harm it was doing to its constituents. This person did not tell me his name during our phone calls, it was not until later when he left a voicemail message that he left a name and company name " XXXX XXXX XXXX '' and that his name is " XXXX XXXX ''. He told me he was calling from Texas when I asked where he was calling from and not the agency name.
He never originally told me where he was calling from. He quoted the last 4 digits of my social security number to me and not the other way around. If someone answered the phone and just said yes they were me, then they have just given out my information to a possible stranger. He was persistent on me making a payment today and not willing to provide me with any proof of his claims. He threatened me that I needed to make a payment today and make a decision today or I would be sued and that it was going to be proven that I had no intentions of paying this alleged loan and there would be further consequences for me.
I explained to him that I did not know what he was speaking of and that this is not my debt, but because he called out of the blue I had to check my records that I keep to make sure. I never admitted guilt that this debt belonged to me, I just always like to make sure of everything and I was taken back because he was speaking of a very old debt. He quoted a XXXX debt with them from DC. Like I mentioned above, these types of places have not been around for over 20 years.
He was very rude in his tone, unprofessional and condescending during his telephone calls with me and all during the Pandemic and all of the woes people are going through. A woman called last Wednesday, XX/XX/XXXX and said she was calling on behalf of this supposed collection agent that was out of the office that day and that they needed my address so that they could serve me papers to sue me. They called me on a brand new number, which lets me know that they are probably scammers. On my caller I.D . a couple of the numbers they called me from showed " Scam Likely ''. I asked this young lady what company she was calling from after she told me she was calling on behalf of XXXX XXXX and she replied they represent a lot of different companies and she never answered my question.
The person who has announced himself as XXXX XXXX XXXX from XXXX XXXX XXXX on my voicemail has indeed spoken with me on the phone. This is NOT my debt. His last voicemail was yesterday XX/XX/XXXX stating that after several attempts of trying to get in touch with me regarding my pending legal matters out of the District of Columbia that he has no choice but to make the recommendation for the client to proceed against me legally. XXXX XXXX said that his agency will be contacting my Human Resources Department for Wage Verification and that I am neglecting this matter and that the client is wiling to rectify this matter if only I call them back at ( XXXX ) XXXX. XXXX XXXX had the gumption to wish me well in this matter after all of the harassing phone calls.
THIS IS NOT MY DEBT!
False accusation of a {$1000.00} debt to XXXX XXXX XXXX! I believe this person that does a lot of fast talking on the phone and voicemail are trying to SCAM me and I do not owe this and this is not my account. He is now calling from XXXX XXXX XXXX numbers but said originally he was calling from Texas.
The numbers that XXXX XXXX XXXX and the female have called me from are as follows : XXXX XXXX XXXX XXXX - File # XXXX XXXX as per recording when I called them back ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 12/21/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
Servicemember |
|
On XXXX/XXXX/XXXX a woman named XXXX XXXX contacted my mother at her home telephone number. She proceeded to tell my mother that she had a " felony '' case file in my name for a debt that was owed to " Check N Go '' from XXXX and that if I did not call her today to take care of the debt, the file would be turned over to law enforcement and I would be arrested. My mother called me and gave me XXXX phone number to contact her ( XXXX ) XXXX. I called XXXX XXXX at approximately XXXX CST on the XXXX. She answered the phone " XXXX XXXX '' took my information, and proceeded to ask me if I " knew what she was calling about ''. I informed her that I did indeed know her intent for calling although I was unaware of any outstanding debt owed to said company. She again referenced a " felony criminal case '' at which point I informed her that she was violating the Fair Debt Collections Practices Act by threatening to have me arrested or taken to jail. XXXX XXXX then became very short and said she would be transferring me to an attorney at their office. I was transferred to " XXXX XXXX '' who identified himself as " Attorney XXXX ''. XXXX XXXX then proceeded to tell me that he had a case on his desk that the " State of Texas '' had already picked up and that I was " facing XXXX criminal charges. XXXX XXXX and XXXX XXXX '' and that if I wanted to pay the entire balance of {$2100.00} for the " outstanding check and additional fees '' today then he would release a payment statement to me and would n't turn over my file to the " State '' on XXXX XXXX. He stated that if I did not pay them the entire balance before the XXXX that my case would be taken over by the state and a warrant would be issued for my arrest. When I asked for proof of the debt, I was told that I would receive that AFTER I paid off said supposed debt. He also repeatedly asked if I would like to make a statement or if I was able to prove that some sort of identity theft may have occurred. I told XXXX XXXX that I would have my attorney get in contact with him to discuss further. At that point he wished me luck and hung up. I then proceeded to contact the Texas Attorney General 's office regarding our call where I was informed that this is a very regular scam that occurs and the State of Texas does not have " debtors prison ''. I was told if I could get the name of the law firm, the physical address, and that I should look into said attorney. I was also advised to contact the FTC, OCCCC of Texas, and the CFPB. I called XXXX XXXX back and she said they were the law offices of XXXX and XXXX and were located in XXXX, Missouri. I then attempted to locate said law firm online using their phone number, name, location and was unable to locate anything. I also attempted to look up XXXX XXXX with the Missouri State Board to no avail. After speaking with my attorney ( who also told me it was a scam & that they violated FDCPA rules ) I decided to give XXXX XXXX one more chance to provide proof of debt before making my complaint. I tried to reach XXXX two more times on the XXXX. Both times went to voicemail that said " This is XXXX XXXX. '' I contacted the same phone number I had received for XXXX XXXX the morning of XXXX. " XXXX with investigations '' answered and was n't even sure an XXXX XXXX worked there. After yelling to someone in the background " Do we have an XXXX XXXX here? '' he proceeded to tell me that she did indeed work there, but was not in at the moment and could he help me. I again asked for proof of the debt, but he stated I needed to talk to the attorney again ( who he also named as XXXX XXXX ). I requested to speak with XXXX XXXX and also for his bar number. I was told he was n't in the office and they could n't release his number. I 'd have to " search the Missouri Bar online ''. I was then told XXXX XXXX would call me back in a few minutes. I have yet to hear from him again.
|
| 04/24/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
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After taking out a loan from XXXX XXXX XXXX they offered numerous times to let me make payments. But every time I tried to arrange them, they said their system was down. When the payment was due they charged the full amount to my account, causing NSF charges until I could n't even get my account balanced let alone pay the full loan amount. When I could n't pay, they sent the account to XXXX XXXX XXXX who called threatening fraud charges if I did n't give them my bank information. I gave them the information and signed a contract saying I would make XXXX payments. According to this contract they would provide me an official copy of the contract for my records and notifications before each payment was charged to my card. None of this was ever received -- they did n't even acknowledge that they 'd gotten the contract, but on XXXX XXXX I was charged and received a receipt for the payment. On XXXX XXXX I realized I would n't have the money for my next payment, so I called but no one was in. I called first thing Monday morning asking if I could make arrangements for it to come out on XXXX XXXX They verified my card number again and told me it was set up. I also received an email that morning saying my payment could n't be processed ( which shows they were capable of contacting me even though they failed to do so most of the time ). The XXXX payment was never taken, nor did they contact me again, so I figured there was a delay on their end because the money was there. When the XXXX payment also failed to come out, I tried calling and only got voice mail again. So, I contacted a lawyer who instructed me to direct further contact through him. Since I could n't get anything except a voicemail box, I sent an email telling them that I had n't received any of their reminders and my last two payments had n't been processed. I indicated that I had a lawyer who would discuss arrangements with them ( since my contacting them directly obviously had n't helped ). I did n't hear anything else unti XXXX XXXX XXXX when they again left a voicemail threatening legal action due to my refusal to make payments. We called and they said I gave them an invalid card. Finally I gave them my card number again -- which they acknowledged was the same on file -- and he said he 'd run it right then to prove it was invalid. To his obvious surprise it came back valid. Yet he still tried to blame me for not making p ayments. Since I could n't get anywhere I told him he should talk to my lawyer, but he said I 'd I did n't pay the 'd file lawsuits that would cost more than I owed. I told hi m that I 'd pay it all off on XXXX XXXX because I 'd have the full amount just to not deal with them again. But he continued with the runaround until I was too furious to see straight. Finally I was escalated to a supervisor who again tried to imply it was my fault until she pulled up my record and acknowledged that everything should have been done after my call on XXXX XXXX . She said she 'd tell XXXX XXXX XXXX of my intent to pay in full on XXXX XXXX . But I insisted that she also include in that conversation that it was their fault the payments had not been taken out. She said it was n't her company 's fault, but it was XXXX XXXX XXXX XXXX fault the payment was n't processed. I do n't understand how that could be the case when it 's clearly her company 's name on the contract. I told her again that I would be making the payment and that afterward I would be taking action regarding their handling of my case. She insisted again that it was n't ther fault, but when I started reading from the contract, she finally agreed to take the payment and tell them that the missed payments were not my fault. I 'm not confident that any of this will happen, but that 's what I 'm left with right now.
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| 10/25/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Incoming Phone Number : XXXX Voicemail Requested Callback Number : XXXX Stated Company : Check and Go Person Requested : Not me Voicemail/Call : ____________________________________________________ This notice is intended for " NOT MY NAME '' Your file has been placed in our office for a possible lawsuit pending. Your file has been reviewed and instructions to escalate court proceedings have been ordered. If there is any misunderstanding we request an immediate response. All new evidence will be submitted in your file will be expedited for further actions. Contact the office at XXXX.
____________________________________________________ I have received numerous phone calls from the following number : XXXX since the start of XXXX, 2021. The following is a list of all phone call incoming call attempts by this number.
XX/XX/2021 @ XXXX XX/XX/2021 @ XXXX in one month XX/XX/2021 @ XXXX XX/XX/2021 @ XXXX XX/XX/2021 @ XXXX in one month XX/XX/2021 @ XXXX XX/XX/2021 @ XXXX XX/XX/2021 @ XXXX in one month XX/XX/2021 @ XXXX XX/XX/2021 @ XXXX XX/XX/2021 @ XXXX XX/XX/2021 @ XXXX XX/XX/2021 @ XXXX XX/XX/2021 @ XXXX XX/XX/2021 @ XXXX XX/XX/2021 @ XXXX XX/XX/2021 @ XXXX XX/XX/2021 @ XXXX XX/XX/2021 @ XXXX XX/XX/2021 @ XXXX XX/XX/2021 @ XXXX XX/XX/2021 @ XXXX XX/XX/2021 @ XXXX14 calls this month As you can see, they have become far more aggressive as of late. I have spoken to someone ( no name given ) and requested to be removed from their list. They replied " we will not, '' then hung up on me. I called back a second time, received a four-minute ring-wait time and eventually hung up. A third call was made and an angry gentleman informed me again that my number will not be removed and to contact [ redacted ] name and " good luck '' before hanging up. Details below.
Calling " XXXX '' I have attempted to call their number back, but the original number ( XXXX ) leads me to a voicemail box, rings indefinitely ( over four minutes ), or eventually sounds as though someone is picking up the phone and quickly hanging it up.
Calling " XXXX '' Calling the number they leave in the voicemail does get me to someone, however, they informed me that they will not be removing my number from their list and to contact [ redacted name ] and gave me a " good luck '' before hanging up. I've called them back several times, informing them that I am not this person they speak of. They gave me a name and address of the person they are actually calling ( my phone number, name and address ) and while the name is correct, the address is over ten years old. I informed them that their information is incorrect and that I have no correspondence nor relation to the person they are trying to reach. They said it did not matter and that they will keep calling to look for [ name redacted ] and again hung up.
I called today, which again went to voicemail, requesting a written form of proof of debt, including whom it is to, the amount and reason of the debt ( after googling how to stop this ) and informed them I would report them to the FTC if they do not respond within the required timeframe of what the FTC of five business days. I informed them that since they have my number, they may call me to receive the information required since they only have my name ( not the name that is attached to the debt ) and an incorrect address ( that I am aware of ).
I have called both numbers and again was sent to voice mail after several minutes of ringing and requested the same " Validation Notice '' of written proof of said debt and how it pertains to me personally. They have yet to respond and have only increased their volume of calls ( calling me twice AS I AM WRITING THIS MESSAGE XX/XX/2021 @ XXXX and XX/XX/2021 @ XXXX ).
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| 03/24/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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On XX/XX/2017 I went into the XXXX, CA location to pay off my payday loan of {$300.00}. The office was very busy, and the customer service representative was a female named XXXX.
Upon printing out the paperwork I asked again about amount and if I could have a lower one and was told they only do {$2500.00} and above ( see enclosed flyer ). When I called to make my first payment I told the representative, XXXX, that this was false advertising because I didnt get to pick my due date or the amount or repayment terms. The loan was placed for 15 days out instead of 30 days out and she replied that they only had to go 15 days. To which I stated that is not what their advertisement says. They say, Pick your due date, pick your amount, pick your loan as stated on the enclosed marketing flyer. Being new to the state due to a recent move, I was unaware of the state law regarding interest rates and loan above {$2500.00}, which this company did not disclose to me. XXXX XXXX XXXX is aware of their misleading loan practices in an effort to charge interest rates above 100 % which is a violation of the various acts stated in this letter. Had I been made aware of this I would not have chosen to accept the terms or loan itself.
I am reporting this company for false advertising, predatory lending, abusive loan terms and Truth in Lending Act violations.
Business & Professions Code 17500 BPC California Fraud law - 2.2. Abusive loan terms Predatory loans are generally characterized by excessively high interest rates and/or fees. The lender usually also fills these loans with unnecessary terms that do not benefit the borrower. These include ( but are not limited to ) : Unnecessary balloon payments Large prepayment penalties Deceptive promises regarding loan rate Loan approvals that ignore the borrowers ability to repay the loan.
There was no allowance for a lessor amount below {$2500.00} wherein the lender would not be able to charge an interest rate above 36 % as per California State Law. They purposely have loans from {$2500.00} and above to insure they can charge a higher and unreasonable rate.
They falsely advertise that you can Pick your due date, loan amount and term which is incorrect. They only offer amounts above {$2500.00}, they do not let you pick your due date and the term is already set based on the loan amount and interest rate. This is false and predatory lending targeting those who can not necessarily repay the loan.
They state they will report to XXXX credit agency which seems to be another tactic for enforcing the loan that is set so high it is almost impossible to repay.
The terms of the loan are abusive When asked about prepayment penalty for early pay off, I was told there isnt one, but the paperwork clearly states otherwise You are not allowed to take the paperwork home to read through it or on location because they are busy with other customers I was told by the employee my interest rate would not be above 100 % and it is 140 % because the loan was over {$2500.00} which the lender knew did not fall under the California laws for interest rate requirements.
And finally, they have a mandatory arbitration in their loan document which I rescinded upon reading about this on the internet ( see attached letter to company ). They clearly know that this is something the general public is unaware of regarding their legal rights and is another example of predatory lending and manipulation.
I would like this company investigated for fraud, false advertising, FTC non-compliance, Truth in Lending Act violations, purpose and willful intent to mislead consumers, predatory lending and any other law/act that applies.
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| 03/24/2015 |
Yes |
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- Received a loan I didn't apply for
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Web |
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Several of the categories above apply : - Fraudulent loan documentation- Did not request nor receive any money from Check N Go- I am being pursued for a debt I made no authorization for, and this is the second debt collector to attempt collectionQuick SummaryI was contacted via mail XXXX XXXX by XXXX XXXX XXXX XXXX of XXXX Ohio regarding an outstanding balance of XXXX dollars for a cash advance loan made with Check N Go XXXX XXXX, XXXX. The advance including interest totalled XXXX dollars. I could not reach XXXX XXXX or Check N Go by telephone, and did attempt to communicate via their websites, to notify them that their information was incorrect, and I had made no such loan, received no funding from them. Fundamentally, I did not make this loan, and I will not pay any amount on this fraudulent claim.
I was contacted by a lawyer XXXX XXXX, XXXX XXXX, XXXX he asked me several questions and concluded that that Check N Go was in error, and agreed to forward documentation that I had not successfully secured from Check N Go nor XXXX XXXX XXXX XXXX.
The documentation provided me XXXX XXXX XXXX was a validation of debt, no substantiation of their claim. Another mailing provided documentation for the loan origination, the payment attempts and esignature. In reviewing the documentation, the only correct information they demonstrated was my home address. The documents received reflect the following errors : no signature on file from me ; incorrect email for me ; incorrect phone numbers for work and home ; name indicated as last name XXXX, first name XXXX ; incorrect bank account and routing number.
In addition to having notified Check N Go, I have filed the following complaints : - XXXX XXXX XXXX, California State Attorney General and the State of California XXXX XXXX XXXX. I received the following responses : -- XXXX XXXX, XXXX XXXX XXXX XXXX XXXX for the Office of the Attorney General/Dept of XXXX indicating the correct agency was the XXXX -- XXXX XXXX, XXXX reference XXXX Communication from XXXX XXXX XXXX XXXX referring my to the Office of the Attorney General, indicating that the Attorney General would be best suited to address my complaint.
-- XXXX XXXX, XXXX XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX for the Office of the Attorney General indicating that a letter regarding the complaint would be directed to Check N Go, with the hope that would stimulate a satisfactory resolution.
-- XXXX XXXX, XXXX XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX indicating that the office had secured a statement from Lawyer XXXX.
On XXXX XXXX, XXXX I was notified the XXXX XXXX XXXX XXXX " XXXX '' was granted collection rights.
On XXXX XXXX, XXXX I received communication from XXXX of their intention to collect the debt.
On XXXX XXXX, XXXX, I wrote RTR and summarized the situation, noting the communication and complaints, and that I was updating my complaints with the Department of Justice, State Attorney General and the Department of Business Oversight.
On XXXX XXXX, XXXX, XXXX informed me that they were in the process of service releasing my account back to Check N Go. Authored by a research analyst, I assume that they are not able to substantiate the Check N Go claim.
I am in process of writing Check N Go and will use the information provided here to further understanding of my case. Ultimately I want them to admit error, and discontinue pursuing me or I will be forced to protect myself in a more formal, legal manner. I expect this will be completely resolved without any affect to my credit score or credit history with your further investigation.
Thank you, Sincerely, XXXX XXXX XXXX
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| 09/06/2019 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Starting on XX/XX/XXXX I had a total of 3 calls in one day ( XXXX, XXXX, XXXX all went unanswered by me and no voicemails were left ) from XXXX. They called again on XX/XX/XXXX at XXXX ( again unanswered by me and no voicemail ). I called them back at XXXX with the call lasting 4 minutes 42 seconds.
The person answered the phone " mediation center how can I help you. '' ( I was not given a proper name of the collection agency nor the name of the agent I was speaking with. ) I said " this number has been calling me without leaving a voicemail and I'm not sure who or why? '' She then took a moment to find " my file '' again I gave her no information as to who I was in order to locate said file. There was no information given as to who I was, I did not state my name at all. She then stated that she was looking for XXXX XXXX, I answered with a simple " Ok '' I did not verify that I was in fact XXXX XXXX. After that she proceeded to go into detail about a alleged loan I have with Check N go dating back to XX/XX/XXXX. ( I do not see this loan anywhere on my credit file? I try to keep a close eye on my credit monitoring with XXXX and XXXX XXXX at least monthly if not weekly. Nor have I been contacted otherwise ) She explained that the total of which account is {$1200.00}. However if paid today they would settle for {$850.00}. I spoke very little during this call. Mostly with simple 'OKs ' or 'hmmmmms ''.
She then proceeded to tell me how they have more then enough information to take me court. She cited my full social security number, date of birth, age, employer and last known address. ( remind you I did not tell her I was XXXX XXXX. She told me she was looking for XXXX XXXX and I simply answered with an " Ok '' ) She told me if I did not pay today or make arrangements for monthly payments today they would be able to find me and my job because my social security number follows me everywhere and they would take me to court where I would have to go in front of a judge. She threated a lawsuit that she led me to believe was already filed and ready to go, wage garnishment and more if I did not pay. At this point I then stopped her said " I have no idea what you are talking about so I will have to do my own research. '' I could tell she was getting upset then said that they already knew everything about me and that this was time sensitive so there was no need to do my own research and that this was going to court if I did not pay. I then said " well first of all I never stated that I was XXXX XXXX. '' After I said that she got very defensive and changed her tone and started raising her voice saying " I told you I was looking for XXXX and you said that's who you were ''. I said, " No I did not say I was XXXX, you said you were looking for XXXX and all I said was OK. '' Still upset she starts talking much louder and more defensively overlapping and trying to speak over me saying " You said Ok? Well what does that mean? That's means you're XXXX. '' So I said " listen I do not know who you are or what this is about but you need to stop contacting me. '' Then she hung up. This is extremely unacceptable. I did not state who I was. Nor did I verify myself or any other information. I wasn't even asked to verify any information. They told me who they were looking for and all I said was " Ok. '' Nothing else. All of my information was given out freely in that phone call. This was completely unprofessional and could have really been devastating to my identity, my credit and my life if that information was given to the wrong person.
|
| 03/09/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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|
Web |
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I received a phone call from XXXX the gentleman that answered said his name is XXXX, and that the call was in regards to sensitive information. I asked what kind of company this was, he replied, mediation services. He then wanted me to verify personal information and I said, I can't verify information if I don't know who you are or what this is about. XXXX, then asked, " so you don't want to verify information? '' I replied, " I can't if I don't know who you are. '' He replied, " ok, I will just update the file that you refused to verify information, good luck in court. '' At that point XXXX hung up.
I then looked up the phone number online and I couldn't find it associated with a business. I call back, this time I'm at my computer ready to write down information and verify that it's a legitimate company. I call back and a gentleman named XXXX answers the phone. I said, I just got a call from this number but I am trying to find out who you are. XXXX then says they are either client services or mediation services ( I can't remember which one ) he said a company had filed something against me and if I wanted the information I would need to verify my information. At this point, I'm still not sure what kind of company this is ( I'm thinking this is probably a scam ). So I informed him I was looking up their information so I could confirm my information at which point XXXX say, " So do you want this information or not? '' then he hung up the phone.
I call back again and a different person answers the phone, I informed them I was calling because I had gotten a phone call from that phone number and I was trying to see what it was about, The gentleman on the phone say, I am looking for ( says my name ) and I said, yes that's me. He said they were calling because " Check N Go '' had an outstanding debt on file with my name on it. He then pauses and says, " oh please hold. '' I said ok. Then somebody answers the phone and asks what is it that I need. I said, I was on the phone with somebody and they asked me to hold and that now I was talking to this new person. The person on the phone then says, " It's XXXX, why are you calling again? '' I asked XXXX once again for the company name and he said, " XXXX XXXX '' and I asked what kind of company is this? He replies, " it's a Mediation company. '' I asked mediation for what? he then says something to the effect of why are you calling, what do you want? I let him know I was now willing to verify my information now that I know what the call is about. So I confirm my information and XXXX lets me know this is about a loan balance of {$3300.00} and if I wanted to take care of it or if they would be seeing me in court. At that point I said, well, I need more information first. I asked for the name of the company ( Check N Go ), and when the loan originated ( XX/XX/2014 ). I then asked if " XXXXXXXX XXXX '' was a collection agency. XXXX said no, they are a legal company that will take action if I don't take care of the balance. I said, ok, whatever information you have please mail it to me, so I can obtain legal counsel and they will get back in contact with you. At that point XXXX asks, so how do you want to take care of this balance? I said, " Since it's a legal matter, I will have somebody look at the information and get in contact with you. '' XXXX then asks, " So are they going to take care of the balance? '' and I replied, " They will get in contact with you, please mail me the information, thank you. '' Then XXXX said ok and the call ended.
|
| 05/26/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
Servicemember |
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I first received a call from someone reporting to be from XXXX XXXX with XXXX XXXX on XX/XX/XXXX. They ignored any response from me and began spouting off that a legal case has been filed against me with the XXXX XXXX XXXX XXXX in regards to a debt from a payday lender called CashNGo. When I asked for more information the person stated they could not provide me any more information and gave a phone number to speak to a case manager and I was given a case ID of XXXX at XXXX. At no point in the first call was I informed this was an attempt to collect a debt or that the call was being recorded. The caller then hung up. I called the case manager at the phone number above and they proceeded to say they needed to get the account unlocked to view it and they recited my own social security number and mailing address back to me and asked if it was correct. I was only asked to very my email. Then then stated the case was already with the county to be sued for an amount of XXXX $ + and that I would be responsible for their legal fees etc. they then offered to reverse this if I was willing to wait for them to escalate and get approval to have the case canceled if I was willing to pay an amount of XXXX XXXX The call disconnected at this point and I did not receive a call back. I attempted to call back and received a notice that the voicemail was full. The next day I reached out and was able to get a hold of Location Services who then stated they would transfer me to the correct person. That person again went through the same statement from above, threatening to call my employer, and others in order to collect this debt. When I started to say to not contact me anymore, she hung up. A few hours later I received a text from my father overseas who stated someone had called their house phone and left a voicemail that they were trying to locate me due to debt and that a court case was pending in my name in XXXX XXXX. They again gave the same claim number as above. And this location services team then stated they were from XXXX I returned a call to XXXX where I was again routed through XXXX XXXX to someone with XXXX They went through the same spiel and again stated they needed to have the account unlocked. I was placed on hold. My own ssn was read back to me and my address and then I was asked to verify my email address. I requested more information about the debt and they were not able to provide any proof that the debt was mine. They again offered to resolve the entire issue for XXXX $ to which I agreed. I was then told the call would be recorded and was required to say I agree to certain things on the phone. They then took my payment information and I was told if I tried to report it as fraud, theyd reopen the case against me in XXXX XXXX and the sim would be much higher due to the difficulties associated with me. I was then emailed a receipt the next day on XX/XX/XXXX with an invoice that shows no amount, an incorrect/incomplete address for me, and no company contact information, and an email address that bounces emails of XXXX ( Ive attached the letter ). I then called CheckNGo who stated the debt was sold to a different company many years ago, and I followed this trail through to a company who is no longer in business. They never received any confirmation that the debt was resolved ( as promised by the phone agent ). I reached out and sent two emails back to XXXX XXXX who sent the receipt at the email above and they never responded.
|
| 06/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
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There are at least 8-9 negative accounts on each two of three credit reports that I have with XXXX and XXXX. I have one with XXXX. After reaching out several times to all three bureaus about these items that were fraudulent on my reports, they in turn reached out to each creditor ( so they say ) with my concern. Within days, my reports came back as verified and accurate. I have requested from credit bureaus as well as all creditors involved to provide me with my handwritten and/or electronic signature as proof that I am the one who opened the accounts per FCRA guidelines. NEITHER companies will comply and is in direct violation of the law. I have furnished a copy of my police report ( XXXX told me to get this year ), ID Theft Affidavit ( dtd back to last year ) showing the accounts were not mine, as well as justified staff opinion letters, and a notarized item letter to address each account in question. All of my legal documents were ignored, and discarded. The credit bureaus/creditors still have not been able to provide me with proper documentation of my signature so that I may move forward in a civil suit against the perpetrator who has used my name and identification fraudulently. That is the main reason why I need this information, but since the companies have failed to provide me with it, now they are in direct violation. According to FCRA sect 6 ( b ) guidelines- Consumer 's signature must be provided as identification method for an account to be declared verified. If it can not be, the report must be fixed to reflect the deletion of the item permanently from the report. Be advised that if there is no resolution to this case, I will be including these companies in my lawsuit as well.The following creditors are in question : XXXX- ( cert letter sent XXXX17 ) listed 4 times on XXXX report, 3 times on XXXX report, and 1 time on XXXX- all different account numbers. This company has failed to even respond back to my request for the legal contract with my signature.
XXXX XXXX- ( cert letter sent XXXX17 ) listed on XXXX and XXXX report- responded back with ID theft affidavit/police report which I in turn sent back to them ( still awaiting their response ) XXXX XXXX- listed on XXXX/XXXX report- ( cert letter sent XXXX17 ) responded back without providing legal signature of signed contract. Mysteriously sold the account to an unknown company thereafter. BE IT KNOWN that I shall have no dealings with third party debt collectors, only said original creditors that are listed on my report per FCRA guidelines.
XXXX XXXX aka XXXX XXXX- listed on XXXX/XXXX report- ( cert letter sent X/XX/17 ) responded back with a " typed name '' and using that as my signature. This is unacceptable and does not fit the requirements listed in the terms of the FCRA.
XXXX- listed on XXXX/XXXX report- ( cert letter sent XXXX17 ) responded back with no valid signature on file for me. Just a " clickable dot '' that was suppose to confirm my signature. They quoted the E-Sign act in which this case would not be applicable having had my identity stolen. As we all know, anybody from any computer can do that. Requested MY ACTUAL signature IAW FCRA and they have not responded back.
XXXX- listed on my XXXX/XXXX report- ( cert letter sent XXXX17 ) failed to respond back within allotted 30 day requirement.
Check N Go- listed on my XXXX/XXXX report- ( cert letter sent X/XX/17 ) failed to respond back within allotted 30 day requirement.
|
| 08/09/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
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I first got contacted the beginning of XXXX ( XX/XX/18 ) from a man, I advised that i can only be contacted after 5 due to work. The same man who was very nice and helpful, continued to call before 5 and after 5, finally we were able to set up payment arrangements on XX/XX/18 when he called after 5, he told me that they were getting ready to start the process to take me to court. On XX/XX/XXXX he called me back, same person totally different personality. He advised that I have 2 accounts and I have to pay immediately I explained my situation advised that I get paid bi weekly and since I already have 1 arrangement from 1 check I need to do it on the other check, he talked with his supervisor told me that he was not able to get any future arrangements approved so he sent me to his supervisor to talk and he still would not approve anything apologized and that was it, that was on XX/XX/18. A few days later I am still receiving calls all throughout the day, they left voicemails to my mother, step mother, step grandfather and high school friend ( that's all I actually know of could have been more ) advising that they need to reach me about a matter that I have and I am being taken to court. I have 1 copy of that voicemail. Very upset I called them spoke with the same man who wouldn't even let me get a word in, was yelling at me and demanding payment. I said I need your supervisor after fighting with me about it for a few minutes he hung up. I called again and was finally sent to the supervisor I asked if they record calls he would not confirm or deny, I asked if he keeps notes I said yes, I asked if he remembered the conversation of him telling me they could not work with me on XX/XX/18 and he said yes. I again requested that I do not get called before XXXX, and now that they do not call anybody or any other number but my own XXXX, and that I no longer want to be contacted by that man. He called me the next day, at XXXX. At that point I'm upset they told me they could not set up anything with me even though they could on my other account, and they are still contacting me. I then sent a written signed fax to them with my request that I do not get calls before XXXX, they do not call any number but my own, that the man who was calling to be taken off my account. A new supervisor calls on XX/XX/18 said they were confused by my fax that I sent XX/XX/18, I explained what it means he said okay no problem. He tried to set up arrangements with me however he could not get any account detail correct and kept apologizing that he was giving wrong information such as amount owed, and account numbers on both accounts so I declined setting anything up and requested that he sends me original documents from the original lender proving that I owe this debt. Instead he sent me a letter on their letter head that I owe a balance which I will include which I received XX/XX/18. They also called my mother again on XX/XX/18 and left a voicemail after providing them with 4 request not to call anybody but my personal cell phone number, XXXX of which were to an associate, a supervisor and a manager. And 1 was a written fax. I want to settle my debt, however as a single mother making {$12.00} at XXXX XXXX I am not able to pay what they are demanding when they are demanding it. I have not dodged calls to avoid them, only because when they mostly call its during Monday through Friday before XXXX.
|
| 10/28/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
Older American |
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I was sent an email stating I was approved for a personal loan. They requested proof of myself, which I sent them. They then said I was approved for {$10000.00} but that I had to go buy and XXXX card with {$200.00} on it. First store didn't have them so I asked if I could get a visa card. He said they had problems with those and to specifically get an XXXX card. Went to another store and got it. Called to confirm I had it. He insisted on me giving him the redemption code on the card so they could verify the balance and confirm I did get the card and that the {$200.00} would be used for my first payment on the new loan. A little later, he tells me they can't process the loan as some credit bureau stopped it due to a low credit score. But, if I would buy loan insurance, they could process the loan. Insurance would be {$2500.00} but I only had to pay 1st {$500.00} and company would pay the rest. I told him to cancel this loan. He asked for a little time to see if he could find some other way. In the meantime, I went out to XXXX to check the card I got, and there was no balance on the card. Since I've never been to XXXX or used it, I assumed the card I bought was a general gift card that could be used anywhere. Turns out it could only be used on XXXX. So, how then could this be applied to my first payment? When he called back, he asked if I could buy the insurance and I again told him I did not have the money and to cancel this loan. I then asked what he did with the {$200.00} on the XXXX card. He claimed they would give that to me with the $ XXXX loan, or {$10000.00}. I didn't want that added to the loan. I just wanted my {$200.00} back. A day went buy and I emailed the original person who sent the loan info to me and asked to get the loan cancelled and to refund my money. She claimed the loan was sent to the process department and that my {$200.00} would be refunded around XX/XX/24. That day came and went as did the next 3 days and I've been asking every day where my refund is and I get no reply. Name of person at Check N Go was XXXX XXXX, her email id is XXXX All I want is my money back. I am retired and I live on a fixed income and can't afford to be out this money. I was going to use this loan to pay off all my credit cards and I would only have to pay {$200.00} a month for that $ XXXX. XXXX ( the guy who kept trying all things ) called and told me I would be getting a confirmation from my bank for my ID. I asked why but as we were talking it came across and it was confirming my userid. I never asked for that nor do I need it to be sent to me. I use my bank account every day. He asked me to give him the user ID and I told him I would never give that to anyone. So, he tried to get into my bank account and when I asked why he did that, he said he wanted to put money into it to help buy the insurance. I told him they already had my routing number and account to make the $ XXXX loan into so he did not need my account direct access. I feel like I was scammed or seriously defrauded just by the things they put me through and I really want them to be contacted by you and told they must refund me, now, not 30 days from now. I do hope you can help me with this. I have the proof of the XXXX card purchase, the emails between me and them and a full document showing the details of my conversations with them. I am attaching. Thank you for your time and help
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| 05/15/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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I ended up in a financial bind due to having too many of these loans. It got to the point where I could n't afford to pay the twice a month payments. It overwhelmed my income. I was n't able to acquire a consolidation loan to pay them all off due to high debt to income ratios and FICO scores being too low. Instead I had to hire a pay day loan debt relief company to help me manage and payoff these debts. Check N G o 's corporate office signed an agreement with XXXX XXXX XXXX XXXX XXXX to deal directly with them, which included a cease and desist agreement, meaning they were not to call or contact me at all. On Friday, XX/XX/XXXX I g ot a call from XXXX in collections on my work phone, and simultaneously a robo call from them was coming in on my cell phone. So they decided to do double duty in an attempt to irritate or scare me. Irritate I do easily scare I do n't. I jotted down her name and phone number requesti ng 5 mins. to call her back. It took more than 5 mins. for me to get her on the phone as the reps stalled in every way they could, claiming they had to verify me etc., kept repeating that it was an attempt to collect a debt and so on until I screamed at the guy and told him to quit wasting my time and get me to XXXX ! XXXX got on the line repeating the same debt collection messa ge I 'd alre ady heard 4 times prior to getting her on the phone. I forced her to get past that, that 's the reason the convo became heated. I accused her of lying and she was, stating she knew nothing about the cease and desist and XXXX XXXX XXXX XXXX workout that corporate is obviously the only one 's that take care of. I told her not to call me at work again, and to go to corporate and figure out why they did n't let collections in on what is going on. She proceeded to insist she knew nothing about it, I insisted she was lying and eventually disconnected the call. I immediately called XXXX XXXX XXXX XXXX and told them of the issue. They said they would get the dept. that handles creditor communications on the phone with them the same day. The next day an email was in my inbox with them trying to coerce me into making a payment. I blocked the email and prior to that sent them a message not to call, mail or email me again. They are to work with XXXX XXXX XXXX or I can file bankruptcy. If I have to file bankruptcy everyone loses. I refuse to have them force me into bankruptcy and will utilize those legal agreements they signed in a court of law if need be. They are not going to w in this one. The only way they can get paid is by dealing with the debt relief co. I have other creditors they are dealing with too and they 're cooperating, not calling me. In fact one already signed an agreement of settlement and has received their first payment! If Ch eck N Go thinks by harassing me that 's going to scare me into paying them they are wrong! My strongest suggestion is they back off and work with XXXX XXXX XXXX and let 's get this process moving and them eventually paid off. Otherwise bankruptcy will be it, the debt will be fully written off or the court will decide what and when they get paid. Their choice not mine. Something or nothing, that 's my attitude! They will not be successful in harassing me that 's for sure.
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| 11/13/2022 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Back between XXXX to XXXX I took out a payday loan from ALLIED CASH ADVANCE CALIFORNIA XXXX here in XXXX California for approximately XXXX to {$500.00}. I believe I XXXX have already paid off this debt but I can not get back into that particular XXXX account double check. Anyway im XXXX of XXXX a company known as XXXX XXXX XXXX contacted me about this debt. I asked the representative about statues of limitation on this debt and they inform me that there was no such thing she also informed me that if I did not pay that they're going to take me to court go after my taxes go after my paycheck put a lien on any vehicles or property that I may own as well as take me to court out of state. Eventually the female representative convince my wife and I to make a payment after we made a payment of approximately {$300.00}, they called me back and said that I was misinformed or I miss read something they do not want {$300.00}, they want approximately $ XXXX {$10000.00} from me. The representative then said that they put me on a payment plan something didn't seem right with me so I looked into a couple of things I found out that the state of California does have a statute of limitations on collecting a stat of only 4 years. On XX/XX/XXXX the representative contacted me again and I informed her that I found out what California state law says and that they violated it and they would not receive another payment from me and my wife and they can take us to court. I did not hear anything back from them or received any kind of letters or statements from XXXX on XX/XX/XXXX I was contacted by a company named XXXX XXXX XXXX, The conversation lasted XXXX minutes with them. The representative from XXXX XXXX XXXX said that he was contacting me on the behalf of XXXX XXXX XXXX which is now known as XXXX XXXX about the contract and the debt that I had back in XXXX I found out during our conversation that XXXX closed my file and after merging with XXXX they reopened my file I also informed the representative I was on the phone with that the contract should be considered legally null and void do to the California state laws on the statues of limitations which they violated and that the contract is based on misleading, false information and lies. I gave the representative my new address and immediately started some research. I wish thst I would have known back in XXXX about the XXXX guidelines statues and regulations on debt collecting. I also contacted a few different lawyers and spoke to them. I also found out with my research that XXXX XXXX XXXX has been sued multiple times in court and multiple different states for violations of the federal statues under the FDCPA and other states laws. If I add up all the laws that I understand correctly XXXX violated roughly XXXX California state laws and XXXX guidelines and statues on debt collecting it just with my situation. I believe I know why it took them over a year to contact me about this matter and possibly take me to court because the FDCPA guidelines states that I have a year we file a complaint or to take the company to court for the multiple violations. Every XXXX weeks since then I have checked my local Courts website to see if there's a case pending against me so far I have not found XXXX.
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| 11/05/2022 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Back between XXXX to XXXX I took out a payday loan from XXXX XXXX XXXX here in XXXX California for approximately XXXX to {$500.00}. I believe I may have already paid off this debt but I can not get back into that particular Gmail account double check. Anyway im XXXX of XXXX a company known as XXXX XXXX XXXX contacted me about this debt. I asked the representative about statues of limitation on this debt and they inform me that there was no such thing she also informed me that if I did not pay that they're going to take me to court go after my taxes go after my paycheck put a lien on any vehicles or property that I may own as well as take me to court out of state. Eventually the female representative convince my wife and I to make a payment after we made a payment of approximately {$300.00}, they called me back and said that I was misinformed or I miss read something they do not want {$300.00}, they want approximately $ XXXX {$10000.00} from me. The representative then said that they put me on a payment plan something didn't seem right with me so I looked into a couple of things I found out that the state of California does have a statute of limitations on collecting a stat of only 4 years. On XX/XX/XXXX the representative contacted me again and I informed her that I found out what California state law says and that they violated it and they would not receive another payment from me and my wife and they can take us to court. I did not hear anything back from them or received any kind of letters or statements from XXXX on XX/XX/XXXX I was contacted by a company named XXXX XXXX XXXX, The conversation lasted 8 minutes with them. The representative from XXXX XXXX XXXX said that he was contacting me on the behalf of XXXX XXXX XXXX which is now known as XXXX XXXX about the contract and the debt that I had back in XXXX I found out during our conversation that XXXX closed my file and after merging with XXXX they reopened my file I also informed the representative I was on the phone with that the contract should be considered legally null and void do to the California state laws on the statues of limitations which they violated and that the contract is based on misleading, false information and lies. I gave the representative my new address and immediately started some research. I wish thst I would have known back in XXXX about the Federal guidelines statues and regulations on debt collecting. I also contacted a few different lawyers and spoke to them. I also found out with my research that XXXX XXXX XXXX has been sued multiple times in court and multiple different states for violations of the federal statues under the FDCPA and other states laws. If I add up all the laws that I understand correctly XXXX violated roughly 30 California state laws and Federal guidelines and statues on debt collecting it just with my situation. I believe I know why it took them over a year to contact me about this matter and possibly take me to court because the FDCPA guidelines states that I have a year we file a complaint or to take the company to court for the multiple violations. Every two weeks since then I have checked my local Courts website to see if there's a case pending against me so far I have not found one.
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| 08/19/2016 |
Yes |
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- Charged bank acct wrong day or amt
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Web |
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I took out a Payday loan out from Check 'n Go located on XXXX XXXX XXXX, IA XXXX on about XXXX XXXX, XXXX. The Loan was for the amount of {$400.00} and the repayment amount was {$450.00}. I was supposed to repay the loan by XXXX XXXX, XXXX and was supposed to receive a courtesy reminder at XXXX that evening to make sure that I was going to make it in by the time they closed that evening. Per the agreement Check 'n Go was supposed to cash a check of {$450.00} into my XXXX XXXX account if I did not make it in and pay them back by the time they closed on XXXX XXXX, XXXX. Almost every day since the third I have received harassing phone calls from XXXX ( Store Manager ) or one of her employees demanding payment. The phone number in which these calls are coming from is XXXX. After about 3 days of harassing phone calls and dealing with extremely rude employees, I finally contacted XXXX and notify her that she needed to cash the check and acquire payment via that means. The check was finally cashed into my account that evening which was about XXXX XXXX, XXXX. Bank Statement indicates that Check # XXXX was posted and on XXXX XXXX an overdraft fee was assessed to the account for Check # XXXX posted on XXXX XXXX, XXXX as payment was sent and received by Check and Go. An image of the check is available online as cashed with XXXX XXXX. I have received calls with no voicemail following even this. I left a voicemail with the store demanding that they cease and desist all communication with me and my references as it is harassment. I received 2 more calls back to back yesterday morning XXXX XXXX, XXXX with no voicemails I called the store and reiterated what I said and they demanded that I bring in proof that they have been payed as their system shows that they have not been payed. They continue to tell me that by signing the form that I agreed to allow them to continue harassing me and my references until they receive payment. This is not true in the slightest and those references should have been contacted prior to lending to me. I brought this fact up and was rudely told that it does n't even make sense to contact references before lending and that they could n't even think of how that made sense. This is definitely a case where people working at this location definitely do not know how to loan and collect debts in accordance with the law. The website has a toll free number but that toll free number will only transfer you to the nearest store in your area. There is no way to file a complaint with the company itself and when I asked XXXX for her supervisor she insisted that the only way to contact them is to provide feedback on there website. As of today XXXX XXXX, XXXX Check 'n Go has allegedly not received payment and has tried to intimidate me on several occasions into not filing a complaint or seeking legal action by even accusing me of threatening them with legal action and acting like the recorded calls can be used to bring criminal sanctions against me for my threats of legal action and XXXX has even accused me of harassing her and her company in an attempt to convince me that it is perfectly legal for them to do what they are doing and that it is me who is breaking the law,
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| 06/11/2015 |
Yes |
- Debt collection
- Payday loan
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- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
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Web |
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My mom and husband were contacted using my personal cell phone which was at home ( that is unlisted due to it being a prepaid phone ) at the end of XXXX by people who identified themselves as XXXX, XXXX XXXX XXXX. They were rude, and said that my husband would be arrested and taken to jail if we did n't pay them money that he owed. My husband and mom did n't know what to do, so they had me call the company when I got home from work. They told me it was a loan with Check N ' Go from 2008. We were panicked. My husband did n't think he had a loan with Check N ' Go, but it had been so long ago, he did n't remember who he had a loan with. The caller ( XXXX XXXX, whose name was spelled for a man but sounded like a woman ) insisted that if we did n't pay money by that day or at the least by the next business day at XXXX. They stated that the original loan amount was {$390.00}, taken out on XXXX/XXXX/2008, but they also said that because of collection fees and late fees, that we now owed just over {$1100.00}. They said without any payments, they would simply have my husband arrested for check fraud.
We sent a payment in on the XXXX of XXXX to XXXX, XXXX, XXXX XXXX. I asked for them to make arrangements, as we did n't have the money in full. I asked about paying in installments. They said I could make the first installment of {$220.00} that day. but that the next XXXX installments in XXXX and XXXX had to be for {$520.00} each. We really could n't afford that, but they said we had no choice. I asked who they used to take payments, thinking that I could send a cashiers check or pay online. They demanded that we pay by credit card or by wiring money through XXXX, those were the only XXXX options. We only have a debit card, and I was afraid to give out that number, so we chose to send the {$220.00} by Money gram through XXXX.
After I sent the money, my husband kept thinking that his loan was n't with Check N ' Go. So we looked up the number for Check N ' Go, and called, they said that they were n't the ones who did his loan, but that they did find him under Allied Cash Advance, since the XXXX companies had merged a while back. They pulled up his loan and saw that it was with XXXX, and that the rights to collect on the loan was sold in 2008 for {$390.00} to XXXX XXXX XXXX. They also said that no collectors for them should be threatening arrest or criminal prosecution, because there was no such thing as debtors prisons. XXXX XXXX XXXX, could n't find any information pertaining to my husband 's loan. They did n't know who they may have sold it to, if they did have his file at XXXX time, but it was likely sold to another company.
I looked up the company that called us and that we sent money to, so that I could find out more information. I called the XXXX, and they said that XXXX, XXXX XXXX XXXX was a business that was out of business. I looked up the company to see if there was anymore information, and the number I found for him was an ice cream shop. I know that I will get a call to pay these people back the rest of what they say I owe, and I do n't know what to do, as I think it may be a scam, and living on a low-income, we need, if possible to get the money back.
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| 01/04/2016 |
Yes |
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- Applied for loan/did not receive money
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Web |
Servicemember |
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I applied for a loan on XX/XX/XXXX. The loan was denied due to an overdrawn checking account with XXXX XXXX XXXX. I received a denial letter while I was at the store from the CSR. I called Check N Go the next morning to see if I could get the loan using a bank account that was in active status.The CSR informed me that there should n't be a problem obtaining a loan because the account was positive. I went in to the store later that morning. The rep did n't have me complete a new application. She just input the XXXX account number in the system. She requested that I have a seat while the application was processing. After processing she called me back to the counter and said oh wow, you were still denied but the computer did n't print the denial letter. She stated maybe I had some medical bills that were keeping me from obtaining the loan. I left the store trusting the CSR without receiving paperwork about the denial. I received a call from the store manager on XX/XX/XXXX asking when I was going to come into the store to make a payment on my loan. I informed her that I did n't have a loan with them. She informed me that she had a denial letter, approval letter and contract! I strongly stated I do not have a loan with your store. She told me she would look into some things we discussed over the phone so I waited about an hour for a call back. I decided to call her and she said I 'm glad you called because the phone number you gave us is no longer active. I asked her if she still thinks it 's a coincidence that both the checking account number and the cell number are entered in the system incorrectly. I asked her how much is the loan I supposedly received from you all and she said XXXX! I asked her to contact the general manager and inform him I would like to hear from him directly. He called and discussed the matter with me later in the day. He indicated they would have the risk management team get involved with this matter and he would call me within the next day or two. I did n't receive a call back so I gave him a call on XX/XX/XXXX and he indicated it was indeed fraud that the associate I worked with would be dealt with for this fraud. I asked him what did they do to her regarding this matter and he said he ca n't discuss it with me due to the legal issues. He said they paid off the loan in the amount of {$3300.00} and reported it to XXXX. He informed me that it 's like this never happened! He said they do background checks but sometimes things slip through the cracks. I do n't feel comfortable knowing the store has my personal information with a CSR that is a thief. I requested a copy of my file from the General Manager and he indicated he would need to contact the loss prevention department. He said he does n't feel like I have anything to worry about because she was probably just trying to get some quick cash! They have access to my social security number, XXXX bank accounts, my photo id, paystubs, my address, my place of employment. They have practically my livelihood. This is ridiculous consumers trust these people to be law abiding citizens. The information they have is too sensitive. I do not feel comfortable at all about this situation.
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| 05/24/2019 |
Yes |
- Debt collection
- Payday loan debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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On XX/XX/2019 I was contacted by XXXX XXXX stating a civil law suit has been filed and a warrant for my arrest is waiting to be served. I argued with a man named XXXX XXXX who stated that they are no a collections agency but rather a law firm and of which he is a director. I told him I resolved this account already and he told me since I had done all of this before that he had enough authority to cut the debt from {$970.00} to {$470.00}. He told me that unless I promised to reconcile the account a warrant for my arrest would be out the next day. I told him I would look for my paid in full letter and told him to continue with the {$470.00} amount until I found the letter. He told me I would be sent a " right signature '' document to authorize payment from my account and to sign it. I did not receive the " right signature '' and did locate my paid in full letter. XX/XX/XXXX, I contacted XXXX and told them I have the paid in full letter, the confirmed the account number was correct and asked me to send the letter to XXXX. I sent the letter while on the line with the company and was advised that the account is closed and would be removed from my credit. On XX/XX/XXXX I received the " right signature '' email. I responded to the email with the paid in full letter and a request that the account would be removed from my account. I called XXXX XXXX and told him that I just received the right signature, he told me not to worry about it and to disregard. He confirmed, nothing would be charged to my bank account and no monies are expected to be paid. He told me not to sign the right signature since I already sent the paid in full letter. I requested a letter showing the account would be removed from my credit. I was then transferred to another representative who told me the other collections agency did sloppy work and that they should send the letter showing the account is no longer on my credit. I explained that their company does the same sloppy work because they don't show that I have sent the paid in full letter. That representative has also stated the no payment was due and that the account would not seek further action. XX/XX/2019 I have a pending amount of {$470.00} with my bank for this account. I called XXXX 5 times leaving multiple voicemails only to have to call *67 to get them to answer the phone. After speaking to XXXX XXXX I was told it was their error and that a refund would be processed on approximately 4 business days. I explained why this draft was fraudulent and he transferred me to XXXX in the compliance department who told me to be nice to him because they are short staffed due to the holiday weekend and he did not personally draft from my account. I told him BECAUSE of the 4 day weekend that this error is especially egregious and why I need this resolved today. I demanded a letter stating that the refund is being processed TODAY, the account closed, and no other actions will be taken against my account from XXXX XXXX. XXXX stated he would and then went on to say that he refused to argue with me any further, I disconnected the call.
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| 10/31/2023 |
Yes |
- Debt collection
- Payday loan debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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- On XX/XX/XXXX an agreement was entered with XXXX XXXX XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX, for the full balance of the debt over the course of less than 1 year.
- Payments were to be auto processed by XXXX.
Up to XX/XX/XXXX, I was under the impression this was resolved.
XX/XX/XXXX, initial communication from XXXX XXXX XXXX, XXXX.
- On XX/XX/XXXX XXXX XXXX XXXX, XXXX provided a settlement offer of {$920.00} due by XX/XX/XXXX : Final settlement offer of : {$920.00} due on or before XX/XX/XXXX - On XX/XX/XXXX XXXX XXXX XXXX, XXXX provided a structured settlement offer of : XXXX payments of {$150.00}, monthly ( +- {$1500.00} ) due by XX/XX/XXXX : Final structured settlement offer over 10 months : {$1500.00} due on or before XX/XX/XXXX.
A total of XXXX consecutive equal payments due on or before the XXXX monthly.
- On XX/XX/XXXX XXXX XXXX XXXX confirmed, XXXX XXXX & XXXX, is their client.
- On XX/XX/XXXX XXXX XXXX XXXX claimed that payments to XXXX XXXX & XXXX had ceased.
- On XX/XX/XXXX it was advised to XXXX XXXX XXXX this debt was paid to XXXX XXXX & XXXX. The payment schedule & final payment receipt, dated XX/XX/XXXX, were provided.
- On XX/XX/XXXX it was asked to XXXX XXXX XXXX, what is needed from the consumer to close this & receive confirmation of such.
- On XX/XX/XXXX, only after the previous correspondence had ensued, XXXX XXXX XXXX stated a total of {$3000.00} was paid with a remaining balance of {$440.00}.
- On XX/XX/XXXX it was advised to XXXX XXXX XXXX that the balance of {$440.00}, is incorrect.
- On XX/XX/XXXX it was requested the following information be provided, notice of debt, detailed payment history. ( None provided ) - On XX/XX/XXXX XXXX XXXX XXXX again provided a settlement agreement of {$920.00}.
XXXX XXXX XXXX, XXXX, ( " XXXX '' ) has not provided requested information & can not come to a conclusion of what balance they are even attempting to collect, yet is threatening to file suit against a consumer, when they themselves are in multiple violations of Title XXXX of the XXXX Code / FDCPA.
XXXX continues to attempt to collect without validation. The settlement offer provided XX/XX/XXXX, is more double what the company previously advised was owed ( {$440.00} ), even though that amount is still incorrect.
XXXX hired AOB to collect this debt of their behalf & the agreement entered between myself the consumer, & XXXX was followed to the best of consumer ability. XXXX & XXXX have not even been able communicate between themselves what the balance correct balance is.
Further, XXXX does not have an active license in the state of New York where it is located & registered as per " XXXX XXXX XXXX '' of NY Department XXXX XXXX XXXX regulation of XXXX party XXXX, nor was a bond located in TX XXXX of XXXX, my state it is operating in, as per Section XXXX of the TX XXXX XXXX ( prohibiting operations from XXXX parties in TX ).
Attached : Email PDFs - Payment Schedule from XXXX. Correspondence between the consumer & FDB / AOB. Notice of judgement filing.
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| 05/26/2018 |
Yes |
- Debt collection
- Payday loan debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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On XX/XX/2018 I received several texts and a phone call from family and friends referring a call addressing my name XXXX XXXX. This was a call to collect a debt. Yes! I understand I owe a debt. I am in a program to pay my debt off through XXXX XXXX XXXX XXXX in XXXX. The problem I have is ... .they are calling family and friends without calling me! I'm annoyed and irate because they are harassing them and not contacting me. The only reference I have on file would be my sister. About hour later, I started to received a text messages and a phone call from a distant relative which they received calls asking for me. I have never used any other family ( distant cousin ) for any kind of reference what so ever. The strange thing about it is I just got her number just a week ago @ her mother 's funeral service. How did they get her number? When I just got it a week ago. Are they hacking my personal information through my cell line? I am very concerned! There must be a proper way to address this. Am I suppose to receive a letter from this so call debt agency ( XXXX XXXX XXXX )? Evidently I never received a letter. I called the debt agency, an gal name XXXX answered the phone and pick up like she knew who she was talking to. She asked me if I was XXXX. I address to her, Yes! and I asked her, What was the debt for? She wanted my Social security. I did not give it to her. I stated that she had all facts about me. I guess she wanted to make sure she was talking to the right person. I told her she had the info because they have been calling family and friends to contact me. The debt I owed was from " XXXX XXXX XXXX XXXX ''. The amount I owed is {$300.00}. I told her that XXXX XXXX XXXX is taking care of the debt. I gave XXXX the name of the law firm and the phone number to law office. I made it aware that it was debt program and I pay the law firm to take of my financial affairs. I called XXXX XXXX XXXX XXXX explaining to the paralegal about harassing calls just recently received. XXXX is the paralegal who takes care of my account. He called XXXX XXXX. When they picked up the phone line, right away they asked XXXX if he was " XXXX '' XXXX replied, Do you know who I am? Then he realized these people seemed to be illegitimate debt Company. He asked about my debt I owed and they couldn't give the info he needed. What XXXX has told me the creditor sells the debt to pennies and you get these Debt Collectors to buy them and try to collect the debt from the consumer. I know for a fact i did not get a letter from " XXXX XXXX XXXX ''. They are not complying the ethnics from the Trade Commission and XXXX bureau. All in all, I want to know what are my rights as a consumer advocate? Do they have the right to call family and friends without contacting me? I feel this Debt collection agency stole my info on my cell line by hacking my personal information of family and friends. We must stop these people from bullying the consumers! I just want to find out how did they get my personal info without my consent.
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| 05/08/2019 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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I was contacted onXX/XX/2019 by someone claiming to be from the administration office of my place of work ( the phone number prefix matched my place of work 's HR department ) and asked to come to the administration office right away. I informed them that I do not live in the same state as my main office and could not do so. This person explained that I was being charged with fraud against XXXX XXXX XXXX for an unpaid debt, which would result in a felony on my record. I do own XXXX XXXX XXXX money for an unpaid installment loans and believed the threat to be true and asked how to resolve the issue before I was taken to court. The person said I could call ( XXXX ) -XXXX to speak to the law office handling my case, XXXX and XXXX XXXX and provided me with a case number, XXXX ( I now understand that this is not the proper format for a court case of any kind ). I called the number and provided the person with my case number. I was then transferred to a Ms. XXXX and was told that, unless I paid the entire amount owed ( {$2700.00} ) immediately, I would be forced to go to court and pay all legal fees on top of what I owe. I informed Ms. XXXX that I did not have that much money but could pay {$300.00} now and the rest on XX/XX/2019. She stated that she would check with the lawyer handling the case and put me on a brief hold. When she came back on the line, she said that the terms were accepted and I provided her with my debit card number. She said that a second automatic payment for the remainder would come out on the XXXX. Please note that no attempts to withdraw money from my account have been made to date. On XX/XX/19 I started to question the validity of this solicitation and searched online for the law office and a reverse phone lookup on the number. I found no such law office, but the number matched someone with the last name of XXXX in XXXX, TX. I searched for any law office in the XXXX area associated with that name but did not find anything. I contacted XXXX XXXX XXXX directly and they have sold my debt to XXXX XXXX XXXX XXXX. I decided to call the XXXX number back. When the person answered, I asked with whom I was speaking and she informed me that this was an answering service and she asked how she could direct my call. I said I was calling in regards to a debt collection and was transferred to Ms. XXXX. I told her that I was calling about my debt and wanted more information about the law firm she worked for. She asked if this was and I confirmed. She said I was on a payment plan and everything was fine. I asked if she could tell me the name of the law firm and she said this was a debt collection company and that the debt had been turned back to them from the law firm. I asked the name of the company and she said it is XXXX XXXX and then immediately hung up on me. I have since blocked my debit card and have lost no money due to this scam. Please note that I do not believe XXXX XXXX XXXX bears any responsibility for what has transpired.
|
| 10/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.
I've talked to the bank & they've agreed to remove the accounts. BUT XXXX has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy...
. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report and the bank 's records ( learned through more research both parties require ).
( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
|
| 06/12/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I opened a " line of credit '' with XXXX XXXX XXXX in XX/XX/XXXX. My grandmother XXXX XXXX suddenly from XXXX and I took out the " loan '' to travel to Ohio for the funeral. The " line of credit '' consisted of a {$100.00} origination fee and a 273 % interest rate. I never intended for this to be a long term thing. I only borrowed about {$700.00} back in XXXX and I still owe over {$1000.00}. The first year cycle consisted of paying off the " line in credit '' entirely and borrowing the money again the same day. Each month I would have to pay a {$100.00} origination fee to open a new line of credit that consisted of submitting a new application, employment verification and a copy of my bank statements. I didn't understand why a " line of credit '' had to be forced closed and and new " line of credit '' opened each month. I thought a line of credit was open ended. The representative never explained that you could make payments at anytime and withdraw from the line of credit until after I was trapped in a year later. I went in to make a payment in XX/XX/XXXX with my refund to get this line of credit paid off once and for all. The female employee working in the XXXX store location told me that paying off the line of credit would hurt my credit score because it would report negatively to the credit bureau after the balance was paid off. I talked to this employee for at least 30 mins about paying off the balance. The employee told me that it would be best to make a payment but keep the line of credit open to improve my credit rating. This young lady convinced me to make a {$400.00} - {$500.00} payment on the line of credit and to keep it open that day. This was a decision I seriously regret. I went in to make a payment next month only to find out the payment I made was applied to the loan cycle interest. How is it that you make a payment only to them send you a statement a few days later reflecting the available credit was applied to interest charges. I went in to speak with the manager and explained the situation and she apologized for the deceptive credit information the young lady gave me the previous month and told me she was no longer employed with the company. They also informed me at the time that they did away with the {$100.00} origination fee. I asked what would happen each month when I have to make the payments and they didn't give me any additional information. Over the past few months I have noticed the monthly payments have gone up to roughly {$300.00} per month for a {$700.00} loan I've been paying on since XX/XX/XXXX. I asked the store manager about settlement options or long term payment arrangements and they basically told me they don't offer settlements or any other payment arrangements. I feel that XXXX XXXX XXXX used deceptive tactics to trap me into this loan so that they could continue to pocket my hard earned money. I have been charged over {$1800.00} in interest alone since XX/XX/XXXX.
|
| 12/01/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I have been receiving multiple automated calls from numbers in different area codes that would not leave messages and I don't pick up calls from unknown numbers. Then I started to receive automated calls with a robot message, which I thought was a scam as no professional company leaves a robot message that doesn't speak in proper English. A couple weeks ago, I happened to answer a call from a XXXX area code. A man replied he was XXXX XXXX with attorneys of XXXX XXXX and Associates and was contacting me because he had some papers on his desk from Check n ' Go wanting to sue me over a debt from 2014. He said incorrect name of my employer and the call sounded fishy, as I told him I had no knowledge of a debt with Ckeck N ' Go and wanted written corresspondence confirming said debt. He stated his company is a " green company '' and could send email only. Then he asked what my email was. I didn't trust him or the reason for his call so I said I would look into it and got his contact info. If he had my information already, why was he asking for my email? He said he is located in XXXX and I questioned why I'm getting these XXXX area code calls, along with unknown numbers. He said something about it helps people who don't have long distance available as it pings of a local tower??? I asked for his role with the company and he said credit specialist. He was very rude and aggressive and said the outlook of this matter depends on him and I need to call him back as soon as possible. When I said I was leary of the call, he said there probably is video footage that he can get in a threatening way. This made me more suspicious. After multiple robo calls again, I get a voicemail from a XXXX number this morning ( XXXX ) on my cell and at work. The message threatened to have me sued and summoned at work if I didn't respond today and that there was a certified letter from the bank and video footage of me walking into this said business of which they say I owe a debt. In the voicemail, it was as if he was making fun of my questioning the nature of this call, as he stated ... '' I spoke to you on XX/XX/XXXX in reference to some bad check allegations that were scheduled to be levied against you in XXXX XXXX Court by one of our clients and if I remember you correctly, you're a bit skeptical of any and all things great and small ... listen we have to clear out our backlog because of this virus going on and I can't allow these accounts to stack up in our office ... '' He mentioned in the initial call that Check N ' Go is reaching the statute of limitations as they have 7 years to collect a debt. I have googled this mand and attorney 's office and there are multiple complaints against their business practices and are known to be threatening and aggressive with people they call to basically scare them into paying money that they might not even owe. They need to be stoped immediately as this is harrassment!
|
| 01/03/2018 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
Older American |
|
I applied for a pay day loan with XXXX XXXX XXXX. I had some additional issues that prevented me not to be able to pay on XX/XX/XXXX. I called in and spoke to a customer representative a few days prior, which I requested an additional 2 weeks. He told me that he would extend it and I had to call in no later than XX/XX/XXXX to extend it for a few more months as I had to take a state accredited credit counseling course which then I would be given me almost 3 months to repay the loan in installments. Well, I called in on XX/XX/XXXX approximately XXXX XXXX and told the rep that I spoke to that I had taken the credit counseling course and I was calling to get an installment plan, she spoke to me for approximately 10 minutes or so than she told me to hold on so she can verify the documents. She kept me on hold for another several minutes and then verified they received and then she informed me, I will receive a new contract with the installment loan by email. I received an alert the following day and it was an overdraft on my account because XXXX XXXX XXXX debited my account on XX/XX/XXXX when they were not supposed to. I called in on XX/XX/XXXX and requested to speak to a supervisor and someone named XXXX answered. I explained that I was extremely upset, because I took the course and called in and did everything I was supposed to do and you debited my account and not only that, I have a {$35.00} overdraft fee applied by my bank. XXXX, had me on the phone almost and hour and she told me, I did not do a state approved counseling course, I said it was as this is the same course that I took once before and it was approved by your organization, then she said that I did not provide a completion sheet, I said the information is the same I submitted prior that was accepted, then she said, I was supposed to provide an appointment letter first, I said I did not before, I just took the course and was approved. Then she said I called in after XXXX, I indicated I did not, your representative kept me on the phone until after XXXX. She came up with every excuse to attempt to point the finger at me, when their company dropped the ball. I asked her to reverse the debit, she said she could not. Then she said, I could reapply, why in the world would I do that, I am disputing with my bank and expecting them to give me the payment plan that I should have had to repay them. I have used this company before and never had this issue, I always paid. I do not plan on using them again. I even asked for my banking information to be removed as I do not trust the company after debiting my account hen they were not suppose to, she indicated she could not delete my banking information which is not right. It seems I am going to have to put a block or change my banking account information. I asked her for a corporate contact, I was informed it was no need as the complaint would be redirected to her.
|
| 08/12/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
I received a call from XXXX on XXXX/XXXX/2016 at my place of employment and was left a threatening voicemail from a young lady stating she was from a Claims Department and that it was in reference to serving for a claim of " debt by deception '' that has came across their desk and that they would do a skip trace for my home and employment and was going to summons me to sue in court unless I contacted XXXX referencing case # XXXX. All this information was left on my work voicemail which anyone could access with my personal business on there. I called that number and spoke to a XXXX XXXX and he stated that Check N Go is trying to sue me for Electronic Check Fraud and that I needed to pay them or they will sue me in court. I advised to them that their claims are untrue and that Check n Go refused to work out any payment plans. XXXX XXXX then stated that he was going to pull up a settlement to see what the offer was and advised me to hold. When he came back on the line he stated that the settlement was for XXXX and I could pay that to settle the initial XXXX debt. I then advised him that I could not do that, he then started to get rude and loud stating that it ; s only XXXX you should be able to pay that since you work and was screaming and threatening that he is going to definitely send someone to my place of employment to summons me. He also stated that he would contact XXXX County and then at that time I stated that I never received anything from them regarding this alleged debt. He then stated that it was sent to me in the mail back in XXXX XXXX, 2016, at that point I advised him that I never received anything. He then stated well we have XXXX email on file and we can send it to your email. I saw the email and it 's dated as of today 's date and it 's advising me that I have until XXXX/XXXX/2016 to pay off the debt. When I advised him that his claims as a " liaison '' was false he then continued to become belligerent and loud, stating are you going to pay or not and I advised him no and then that is when he then stated again that he will be sending someone to serve me at my job and hung up. I then called an agency and they advised me to check with the XXXX to see if they were registered to collect in Texas and they showed no registration for XXXX XXXX XXXX out of GA. I then called the XXXX office in TX, they then stated I needed to contact the XXXX office in GA, I contacted them and the referred me to XXXX Consumer Protection Unit where I made a complaint against the agency, then he stated I needed to contact you 'll to make a complaint as well as the Federal Trade Commission. They did not get the debt validated from me because I never received anything from these people but an email that was sent today and dated today. I am making a complaint because I feel that my consumer rights have been violated.
|
| 02/21/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
Email sent to XXXX XXXX XXXX XXXX : I received a call yesterday ( XX/XX/XXXX ) from someone ( female ) indicating they are a subcontractor of your agency ( XXXX XXXX XXXX XXXX ) regarding a debt from Check n Go // XXXX XXXX I explained to your representative that I do not ever recall having any activities or taking a loan out with Check N Go. Your representative refused to listen to me stating that if I did not pay a debt which was around {$900.00} today that I would be sued and an additional {$2500.00} would be added to the debt. As I explained to your representative I need to verify this debt as this is the first time I am hearing about it and I am not just going to pay your agency money on the spot as this is straight up extortion for money, as I do not recall ever having this loan/debt which according to your representative was from XXXX. She provided me with a telephone number for Check N Go who I called and the person stated the debt was only {$580.00} ( {$500.00} original loan and {$85.00} late fee ). The Check N Go representative also said that if someone was asking for more than the original debt it may be a scam and not to pay it and that they do not have anything to do with XXXX. I called your representative back and explained this to them, they got extremely nasty with me stating they would have law enforcement serve me paperwork and she would have me taken to court. I told her I wanted more information to determine if this debt was mine and she again got nasty saying " that is fine, we will move forward with suing me and putting a lien on my social security number. '' As I explained to your representative, if this debt is mine I would be happy to pay the {$580.00} that Check N Go alleges is my debt, however, I want information to prove this is my debt. As I explained to both Check N Go and your representative, I have been the victim of identity fraud in the past by someone who lives in XXXX, FL who uses my social security number, and have had my information stolen several times from various data breaches such as the U.S. Govt Office of Personnel Management, etc. so I am not sure this is a valid debt on my part. With that being said, I want your agency to stop attempting to extort money from me via harassing threats and I want your agency to provide me via mail that this is in fact my debt. If this information is provided to me verifying this is my debt, I will agree to pay the {$580.00} in a lump sum payment. Additionally, I want your agency to stop calling relatives of mine and my working location in which your agency is providing them information about me to include that I have a debt ( which is unverified ), and that legal action is pending against me, which is a violation of FDCPA. I only wish to be contacted via the mailing address and cell number I provided your agency.
|
| 08/24/2016 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I was contacted by my employer about a XXXX XXXX from XXXX contacted them about a loan I had with another company. My employer stated that XXXX XXXX was trying to reach me about a collections case they had against me and they need to get in contact with me to get in contact with her. I was also contacted from my wifes employer with the same information to call XXXX XXXX about an outstanding debt. I have been getting numerous calls on my home phone where when my answering machine would kick on the caller would hang up with no message left. On XXXX/XXXX/16 XXXX XXXX from XXXX left a message on my answering machine and left information about a case number and to contact her a soon as possible. I had returned a call to the number she left and a gentleman named XXXX ( no last name given ) said that XXXX XXXX was not available and that he knew all the information about the call. This was before I even told him what the call was about. He told me that there company received a complaint from Check N Go that I had an outstanding balance with them which I partially disputed. While talking with him he told me I had to pay them {$2800.00} that day or I would be taken to court and sued for the money. I told him that I did not have that amount and he told me I could pay 50 % and had to come up with the other 50 % within 24 hrs. I told him I could not come up with that amount for the first 50 %. He told me that I would have to get the money from family or Friends or the case will be forwarded the next day. I told him I have not gotten any information on this from them and he said he would send me a letter to explain everything by certified mail and by e-mail. I got a so called explanation via e-mail but still nothing thru the postal service which he said he would sent. This has been one week ago ( XXXX/XXXX/16 ) and my mail has not brought me anything from them as promised ( XXXX/XXXX/16 ). As stated I have been getting the phone calls with no messages left. When I do get a message is very unprofessional and degrading. Today I was called at XXXX from XXXX XXXX about not following up with her company which in fact I did on XXXX/XXXX/16 when I talked to the XXXX XXXX. I answered the phone and told her that I have not received the information requested ( certified letter ) and to cease calling my home phone. I checked out XXXX with the XXXX and found out that they XXXX has a F rating with them and also was informed by the XXXX to not pay XXXX anything. I have been getting phone calls from XXXX with different numbers showing up on my caller ID with no company name attached. I found out who they were by reverse number checks. The number that left a message by XXXX XXXX was a XXXX cell phone but the company is located XXXX. They call XXXX4 times a day and leave no return call including from the XXXX number.
|
| 12/07/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I did some more looking into this debt that this debt collection agency says I owe and this is what I found.. Al; so, please see email below they sent me after i asked them for a debt validation document.
The name of the company is XXXX XXXX XXXX. When you call and they answer the phone they refer to themselves as XXXX XXXX XXXX and claim they are an attorney 's office.
Phone number : XXXX Supposed Creditor : Check and Go ( Payday Loan ) I spoke with them twice.
XXXX XX/XX/XXXX - Spoke with a man by the name of XXXX XXXX who claimed they are a legal firm. He said I owed a balance of XXXX dollars on this check and go account. I asked how much the original debt was for and they guy slightly hesitated and told me XXXX dollars. He said i could settle it if I paid XXXX dollars plus a processing fee of XXXX dollars. They guy said they were going to have me serviced with court papers and that I could end up going to court and being sued. He also said he had my parent 's names. I asked him what my parents names were and he said I was wasting his time. This company has my address.
XXXX XX/XX/XXXX - I called them and spoke with them again just to ensure I wasn't making a mistake and did owe the money. The first time I called I asked them what kind of company they were and they hung up on me. The second time I called I got some snarky lady. This time she said I owed XXXX dollars instead of the XXXX dollars I was quoted on XXXX XXXX XXXX by XXXX XXXX. She said the loan was issued in XX/XX/XXXX. She said I could settle the debt for XXXX dollars. She claimed they were a mediation group at a law office. I told her if I really owed it that I would pay it but first I need some type of documentation. That's when she sent me this email that I am forwarding to you. She told me if I needed the original document that I wouldn't be able to get a copy of it until we went to court. She also threatened me with serving me papers and taking me to court in XXXX XXXX, Texas. I am extremely alarmed because she knew social, date of birth, my address and make mention of my old bank account at XXXX XXXX XXXX whom I no longer bank with anymore and hadn't for a few years. She didn't say what my checking account number was.
On XXXX XX/XX/XXXX I called the company they say I owe money to called Check and Go. Between customer service and their collections department three different people confirmed for me that I did not owe money to check and go. I wanted to check myself to see if owed them money and I would have paid it. This company didn't sound familiar when the debt collection agency told me who I owed.
Their website addess is : XXXX address is XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Their email adress is XXXX.
|
| 11/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Name of account and address reporting to credit bureaus : AXCSSFN/CNGO XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( This address is incorrect and all USPS mail is returned ) AXCSSFN/CNGO is comprised of 2 ( two ) names not accredited via the XXXX and XXXX no results via the Ohio XXXX.
1. AXCSSFN Abbreviation for Axcess Financial Services address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX prior business name the XXXX XXXX XXXX XXXX
2. XXXX Abbreviation for Check N Go address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX this business uses several names carefully listed below.
RELATED BUSINESSES : CNG XXXX XXXX XXXX.
Allied Cash Advance XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Check N Go XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Axcess Financial / Axcess Financial Services Inc.
XXXX XXXX XXXX name not registered with the Secretary of State CNG XXXX XXXX Business name not registered with the Secretary of State XXXX XXXX XXXX XXXX Business name not registered with the Secretary of State I have contacted the 3 major credit bureaus in reference to AXCSSFN/CNGO dating back to XX/XX/XXXX and I have not received any useful replies to validate that AXCSSFN/CNGO are holders in due course. During the validation process the debts were transferred several times making it extremely difficult to locate whomever is reporting the debts to the credit bureaus. As carefully listed above. Their accounts were updated on XX/XX/XXXX AXCSSFN/CNGO flagged my credit files with inaccurate/unverified information ; the open date changed. ( See attachments ) Please be advised that AXCSSFN/CNGO are not Holders in Due Course ; no services or goods were received from AXCSSFN/CNGO XXXX and I have not agreed to pay/tender anything to AXCSSFN/CNGO. AXCSSFN/CNGO have not provided any documents or itemized statements VIA MAIL proving I owe any debts to them.
Proper documentation from AXCSSFN/CNGO was not provided to me to allow AXCSSFN/CNGO to verify the accuracy of the data placed with the credit bureaus as charge-off. ( See attachments ) AXCSSFN/CNGO is not an honorable or honest business that allows their alleged clients the opportunity to defend themselves.
I have not provided signed wet-ink releases of my private information to AXCSSFN/CNGO.
AXCSSFN/CNGO does not have my permission to contact me on my private phone line attempting to negotiate debts that do not belong to me. I will reply VIA MAIL and only via mail. AXCSSFN/CNGO reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety.
|
| 03/07/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
XX/XX/XXXX I had received a voice-mail from a number labeled as " Spam Risk '' by AXXXX XXXX XXXX XXXX ( XXXX ) XXXX regarding a delinquent payday loan from XXXX. The individual contacting me did not disclose their name, affiliation, or the reason behind these potential legal actions. They did leave the number ( XXXX ) XXXX. Later that day I received an alarmed phone call from my mother saying she received a similar message.
I received another call the following morning around XXXX from a man who identified himself as a XXXX XXXX XXXX " XXXX '' or " XXXX ''. A third party collector located in Florida, XXXX. ( Extension XXXX ) During this call I agreed to XXXX installments of {$100.00}, provided a debit card to be charged ending in XXXX.
The following day I had discussed this with a father 's friend who is a recently retired attorney and was advised to acquire verifying information and read through the FTC website.
XX/XX/XXXX at XXXX am I had contacted the company to request a business address, email and a business license number to vet their legitimacy. I was told to contact Check n ' Go to " follow the chain of transactions '' to verify their business on my own with nothing but the last four digits of a transaction number. I had been subject to a data breach in XXXX of XXXX. So this was not concrete to me.
XX/XX/XXXX at XXXX am I called again. I was directed to a Senior Supervisor by the name of XXXX. I was requesting a business license number and a mailing address to vet them. ( I recorded this call but only recorded my audio by mistake. ) She the stated, '' Since you're uncomfortable paying us I'm going to delete your information and we will be proceeding with the city of XXXX to send a civil officer. Then we will proceed in court. Good luck. '' She had hung up before allowing me to petition this let alone providing any information at all about their business.
I requested information to verify the legitimacy of " XXXX '' or " XXXX '' of Florida a total number of 4 times without receiving the information that should otherwise be public. Threats to contact prior employers, neighbors and family were made over my first discussion with XXXX XXXX. The company made contact with my relatives through procedurally generated numbers and disclosed to them that I am in legal turmoil. I believe this debt had been expunged or exceeds the statute of limitations within the state of California. I expressed emotional duress and was given little to no time to negotiate or vet this business. I also have a saved copy of the mentioned voice mail as well as a one way recording of my final discussion with this collector.
|
| 09/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I received a call on XX/XX/19 at XXXX from XXXX, XXXX XXXX , from an XXXX XXXX XXXX concerning a debt that was forwarded to his office needing final recommendations prior to sending to the District Attorneys office in my state. I was unable to return his call at the time. In the meantime, a call was placed to my husbands phone, the secretary at my office, and repeated phone call to my supervisors private, personal phone number until she left a meeting to take the call. The message was the same information-a legal matter that needed my attention prior to making recommendations to the District Attorneys office and Sheriffs Office in my state. XXXX XXXX started to my supervisor that law enforcement would be sent to my place of employment at XXXX to serve me with papers/arrest. My supervisor stated that I would not be disturbed at my job. Mr. XXXX stated that he would place a phone call to my superintendent to further discuss the matter, as I am a XXXX XXXX. Upon my supervisors return to XXXX-she gave me the information from the call. During my planning on XX/XX/19 at XXXX, I placed a phone call to XXXX and spoke to XXXX XXXX. He refused to provide me with written documentation to validate the debt he was referring to. Rather he verbally harassed me, questioned my integrity as a professional XXXX, stated I must think I am above the law and proceeded to state he would submit evidence that I would be charged with grand larceny in my state and would be arrested at my XXXX the following day. I continued to ask for documentation and he stated he was terminating the call. I called back again requesting documentation and he stated that he had all the necessary information and proceeded to tell me my name, address, place of employment, mortgage company, husbands name, husbands SSN and date of birth, husbands employment. I asked for documentation to be sent to my home address and the phone call was terminated again. My third call to XXXX XXXX, I was accused of harassment and was placed on hold while a 3 way call to my XXXX district superintendents Office was placed. In the call, a message was left on his secretaries voicemail stating that there was information faxed to the office with information regarding an employee. Then the phone call was terminated. The 4th, 5th and 6th calls were also terminated when I asked the representatives to provide documentation to validate the debt, I know my rights, and to make them aware that phone calls were recorded. Mr. XXXX also placed calls to my husband, which were returned but Mr. XXXX was not in the office to speak with my husband at XXXX.
|
| 06/06/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
Older American |
|
I have been a customer at Check N Go for over 6 years, never been late or missed a payment and never had any complaints until now. I also use another cash in advance company so I have a pretty good idea of how the system works. I am a XXXX senior on both XXXX XXXX and XXXX so I get a check on the first and the third but I get my loans for the third because thats when the larger check comes. In XXXX I went to Check N Go on XXXX XXXX in XXXX XXXX Mi where I began to loan since I recently moved to the area, in the beginning it was fine and the customer service was good. Suddenly I noticed many of the friendly faces that were there began to disappear and the XXXX regular face that stayed was XXXX, hes an older guy who I assume became the manager. XXXX is a big guy who has a deep voice and he sometimes try to come across as being intimidating even grumpy at times. I took out a loan for {$600.00} in XXXX and because XX/XX/XXXX fell on a Saturday, I asked if I could pay back my loan on Saturday since it is a busy day for this store. I have repaid loans on Saturday at other locations and also at this store before, but XXXX said you get paid on Friday, I replied that I know and he continued to service me. Now assuming he had granted my request we finished our business and I left the store. I found out in XXXX that he may my payday for the XXXX and deposited my check because I was prepared to call in my payment on the XXXX as I always do. I have been in XXXX XXXX for over 30 years and received many awards and letters of recognition for my service, the reason I call in my payment and come back later to reloan is because this store is always crowded on the XXXX and XXXX so we have to wait for hours because they dont have enough help and XXXX XXXX elderly and slow himself, trying to wait on customers and answering the busy phone. Check N Go closed a lot of locations last year so this added more customers to locations already crowded, many seniors have no choice but to endure this situation and it would seem since there is a 30 day payment policy we should be able to choose the days available to us within that time frame. Customers often complain that they need more help at this location and XXXX doesnt help with his attitude and slow service. This is bad for business and Im sure people who have a choice are going to other places. I feel that his actions were wrong and put my checking account in default because of his unwillingness to grant my request. I noticed that many of the complaints about this store in XXXX are about XXXX and he still hasnt changed
|
| 08/24/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
First they contacted me as XXXX XXXX XXXX on XX/XX/2020. They stated that I owed a debt of {$4400.00} but that the outstanding debt they wished to collect right now was {$890.00}. They informed me that they were going to A. put a hold on my Social Security number, B. charge me for violation of Federal Banking regulations, collateral check fraud, and theft by deception C. contact my employer directly.
I informed them that these actions were against the FDC section 805 and 806 and that I requested to no longer be contacted in ANYWAY through a response to their email. They stated to respond to them but gave no phone number. When I called XXXX XXXX XXXX to find out what was going on, they told me they had no such account.
I received 1 phone call after this from Check N ' Go.
Then I received ANOTHER email from Credit Repair Groups on XX/XX/2020 with the same threats however the outstanding amount was {$1200.00} and the settlement amount would be {$890.00}. They also added that they will report me to the FDC and to my bank establishment. They stated that I must respond to them in 72 hours but gave no phone number to do so. I emailed again to inform them that I was not to be contacted and that I was going to report them.
I received 2 more phone calls from Check N ' Go.
On XX/XX/2020, I received ANOTHER email from XXXX XXXX XXXX. They gave me a case file number and stated that they will now be garnishing my wages. This time the amount was {$1300.00} outstanding and the settlement amount was {$930.00}. I was going to end up paying {$2400.00} because of the amount I owed and fees. They stated that they will now contact my employer to garnish my wages. I informed them that they did not provide any phone number to contact and settle nor did they provide the company in which I had this " contract '' with. I also informed them that the company they were supposedly trying to collect from had no record of my debt.
They sent a new email informing me that the company trying to collect my debt was XXXX XXXX online or XXXX XXXX XXXX and that they were a parental payday advance company. They gave me a list of names of their affiliates, subsidiaries, and family companies. Check N ' Go was on that list.
When I checked on the " court case '' number they provided, I found it was linked to multiple OTHER false court cases that didn't actually exist and were worded EXACTLY how my email was. So they're threatening me with a non-existent court case.
This makes 4 threatening emails and a total of 3 calls.
|
| 03/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
First complaint- I applied for a loan online at https : //www.checkngo.com/apply-now/ on XX/XX/XXXX. I got an email to take my verification documents into the branch on XXXX and XXXX in XXXX Ca. I did so on XX/XX/XXXX. When I get into the branch the teller is asking me application questions all over again. I told her that I had already completed the application online. She stated she needed to ask me the questions again. So she looks at all my documents and then I get a notification from my credit monitoring service that she ran my credit again. I asked her why she did that when my credit was already run on XX/XX/XXXX when I applied online, she stated she had to. I told her I did not give her permission to run it again.
Second complaint- when the teller entered my banking information for the auto payments she entered the wrong checking account and not the account I specifically told her to take payments from. The first payment came out of an account I did not give them permission to pull from and it overdrew the account, for which I was charged a {$29.00} fee for.
Third complaint- The account has never been paid 30 days late. But in XXXX XXXX I get a notification that Check N Go/AXCESS FINANCIAL is reporting the account as 30 days late as of XXXX. I called the local branch and spoke with XXXX the manager and was told to contact corporate at XXXX. Corporate had no idea what I was speaking of but took a message and said someone would get back to me. I never heard from them again. Then XX/XX/XXXX, I get another notification saying the account was reported as a charged-off account. I called and spoke to the local branch again and was told they call the district manager about the reporting and get back to me. No call back from anyone. So I disputed the account and the outcome was the status was changed to an open account but they did not correct the payment history. So I disputed it again ; results pending.
Because of the incorrect reporting, I was not able to apply for a lower interest loan to pay off this unconscionably high-interest loan with Check N Go/AXCESS FINANCIAL, My credit score decreased because of it and they are violating my rights as a consumer in many ways as read in this complaint. They have falsified the notes on my account saying they have called me every day this month and sometimes twice a day when they have only called me twice in the last 30 days. Both times they spoke to me about late payments never about my complaint about their incorrect reporting.
|
| 07/09/2016 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
|
|
On XXXX XXXX, 2016, I started a new job after being out of work for 3months. I paid {$1000.00} up front on XXXX XXXX, 2016 on my account to cover payments in between that time. I called the store daily, weekly, informing them of my situation. Talked to an associate, told them about the new job and changes to my paydays from bi-weekly to the XXXX and the last day of the month. On XXXX XXXX, 2016, two ( 2 ) payments were taken out on the same day even though we agreed on one ( 1 ) payment, but took out two ( 2 ) payments anyway. On XXXX XXXX, 2016, I went into the store and made a payment and told them again, that my paydays had changed to the XXXX and the last day of the month and please make this payment reflect on my account my payday change, again, I made this payment in person and talked face-to-face with an associate. At that time, the associate in store told me that my account was in good standing, and current, and that no additional monies would be taken out, but for me to come in on XXXX XXXX, 2016 with my paycheck stubs and she would take care of it. On XXXX XXXX, 2016, five ( 5 ) days later, another payment was taken from my account, which caused my account to be overdrawn, with a negative balance of {$450.00} and some change. I called the store about this the same day it happened and was told to come in with my paycheck stubs. I went into the store as instructed by the associate, and was told there was nothing she could do. She was sorry, she thought she could do something, but there was nothing she could do about it. I asked, " what if I call corporate myself '', she then said that their corporate office would n't help me either and probably wo n't even talk to me. She said if there 's money to be gotten, they 're gon na take it, no matter the circumstance or situation of their customer.
I was not, and, am not trying to get out of my obligation to repay my loan. I took out this loan in good faith and they have been getting there money on time as agreed. The really sad part about all of this is that I have maintained communication with the loan company the entire time, I mean constant communication. But these companies, in no way, try and help during hard times, specifically when your in between jobs, as though your life does n't matter. I was told by an associate at the store locaton they did help me by giving me the loan, and it does n't matter what you 're going through, they want their money and will get/take it, by any means necessary
|
| 08/24/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
Hello, I have been having problems with Check N Go that have not been addressed to the correct party. Finally I am contacting CFPB to get this handled after years of struggling to remove Check N Go account off my record and credit report. I opened a Installment loan for {$3000.00} with Check N Go sometime around XXXX that had manual setups for payment, which i was always current on. Also the check was deposited into my account and the money from the check did not get spent in full so my balance had all monies in my account for any current payments. However, I unexpectedly received notification from XXXX XXXX XXXX that Check N Go cashed my full check for the full amount {$3000.00} which took out all the money from my bank account as well as disrupted scheduled bills on my account, leading to bounced checks and returned payments on my account. Eventually XXXX XXXX XXXX charged me a lot of return check fees and ending up in having to force close my account as well. When i tried to contact Check N Go at the location which i received my loan they informed me the employee who cashed my check no longer works at the store and that they could not help me. Also I was told to contact the fraud dept. for Check N Go but that dept. does not help and canceling/closing this account to show as cleared. I ended up having to pay all my bills and accounts that hit my credit report but the check n go account is still listed on my credit report also they have me on radar for bounced checks so it is hard for me to open up bank accounts. I have neither emails from Check N Go nor any phone calls regarding any missed payments because I was up to date with all payments.
This year I contacted XXXX XXXX XXXX and had them pull up all of my account statements so I could see my available balances as well as pinpoint the exact timeframe where Check N Go cashed the held check for the full {$3000.00} that they had on file. My weekly payments where current and the money was in the bank for all payments until after they had cashed then check then my account went downhill.
I also took the liberty of searching for others who have been affected from Check ' N GO financially by their installment loans. It seems this is not a new concept and a lot of their employees mishandle customer 's information as well as company policies in the way to conduct business with their installment loans and payments.
|
| 05/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX5 Re : XXXX XXXX XXXX partial account # XXXX ; XXXX partial account # XXXX Dear XXXX XXXX XXXX and XXXX This letter is in response to the account being reported currently on my credit report concerning the collection of the above reference dating back to XX/XX/XXXX.
I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practice Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statue of Limitation for enforcing this type of debt through the courts in XXXX XXXX has expired. I have attached a copy of my statue limitation that confirms the limitation in XXXX XXXX is three years. Based on the information reported to all three credit bureaus this account was open on XX/XX/XXXX which will result in this account not only being unverified but also passed the timeframe of statute being open for a total of three years and five months. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the statute of limitations has expired. Documented status reported directly to the credit bureaus states that this account is scheduled to continue on my report until XX/XX/XXXXfurther more confirming the statute of limitation in XXXX XXXX of three years. A copy of credit report is attached.
This letter is a formal notification that I consider this matter closed and demand that you or anyone affiliated with your company, as well as any collection agency attached to this un-validate account be removed from all credit bureaus. I look forward to you contacting me in writing to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws.
Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation to my State Attorney General, to The Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself.
XXXX XXXX
|
| 09/16/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
On XXXX XXXX, 2015 @ XXXX XXXX I was contacted by someone caed my job stating that she needed to what time I would be home to serve me some papers I needed to sign for I informed her that I work daily and do not have set hours that i come home in the evening. I then asked what kind of papers she responded just to notify me of debit she gave me contact info of the company with a reference number. I called the company @ XXXX Reference # XXXX & the said the were working for an investor & they wanted full payment I explained i can make a payment of {$20.00} a month she put me on hold said investor would on take {$170.00} a month i explained i could not afford that amount & she got really rude and stated how close can you come i responded {$20.00} she said i need to be more realist with payment. I hung up on her when she got loud. I recieved several number withheld numbers & then a message was left stating she would be out to my home on XXXX XXXX, 2015 & she needs to see my ID to leave papers & she has a second address she will also go to if i am not home and left the number where the papers where sent from. I then called the company who does not give the name of the company & I spoke with XXXX XXXX ext. XXXX I explained to him that I recieved a voicemail from some woman stating she was going to bring papers to my home & second address if I am not home I told him they could not come to my job he stated that she would not and they would just be sent in the mail if she could not reach me. As i was hanging up the phone he stated good luck in court & hung up. I called the number back and asked for his name, company name, & address so I could file a complaint for the comment he made about have a good luck in court when I was told the day before that the papers were just to notify me of the debt & it had not reached that stage yet & I also wanted to report him for his attitude. I also told XXXX XXXX that I was going to report the threat to take legal action to the FTC. He then became reallly rude and gave me the address of XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX and the Director is XXXX XXXX ( ext. XXXX ) & he stated again good luck in court case we do plan to take action & do you want the attorneys name I hung up on him because he was upseting me with his rude attitude.
|
| 08/23/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Older American |
|
on XX/XX/XXXX I signed up for a loan from " CHECK n GO '' a payday loan office in XXXX, ca. I have been getting a payday loan from them for a number of years and was a very good customer. this office is very busy with just one girl working the desk. On this day XXXX when I was paying my {$300.00} loan she said to me " would n't it be nice to not have to drive all the way down here every month? She said we can sign you up for a {$2600.00} cash loan and you can pay back directy out of your bank account. On that day I did n't have my glasses and I am very hard of hearing ... .I am XXXX yrs. old. I was confused and frustrated since I literally could n't see or hear. all that I was sure she said is that I could save myself a trip every month. I planned to continue to do business with them as my social security just is n't enough to get by on. next she presented me with the loan papers..all of this done in a very rushed manner. I tried to make out the figures of the papers, but I could not. I remember asking her several questions for clarification, but between being XXXX and the other people all talking at once { they were complaining about how long I was taking } finally, thinking I had a fair grasp of what I was doing I signed up. I assumed there would be interest attached to this loan. INTEREST was never mentioned or pointed out to me and of course if she had pointed it out or spoke it ... I NEVER WOULD HAVE EVEN CONSIDERED SIGNING THOSE PAPERS OR BEEN THE SLIGHTEST BIT INTERESTED IN THIS DEAL. upon arriving home I finally reviewed the papers and I almost had a XXXX XXXX. I had just signed a loan with 103 % interest rate. MY WHOLE WORLD FELL APART IN ONE SECOND. ihave always been very proud of myself in being able to take care of myself and making good decisions ... now they would be taking out {$280.00} out of my bank account starting XX/XX/XXXX for 16 months. The amount I will have paid them is {$4800.00}. So far I figure I have paid them eight payments total of {$2200.00}. That pays the interest { which they take out first } THE PRINCIPAL REMAINS. wHEN I READ TIME this month I was thrilled to know that an agency has been created to protect consumers. I have no idea if you can help me? I no longer will make any finantial decisions on my own. thank you
|
| 07/20/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I originally took out a loan in XXXX that defaulted and went to collections and was owned by XXXX XXXX XXXX. On XX/XX/XXXX, I was contacted by XXXX XXXX, a XXXX XXXX, phone number XXXX, stating that they are a mediator advising me that Check N ' Go has submitted my account to them for litigation and they are seeking civil restitution for breach of contract and defrauding a financial institution in the amount of ~ {$1400.00}. These individuals had all of my information, including address, social, and full name. The account is not currently owned by Check N ' Go, so I contacted XXXX XXXX XXXX who stated that they can not seek civil or criminal action because they sold the debt and that XXXX is not seeking legal action so it is likely a scam. I contacted Check N ' Go 's resolution department at XXXX and was advised that they have sold the debt and they don't see a note that my account is undergoing legal action but that they can not confirm. This complaint was submitted to the XXXX XXXX XXXX, however, I did not receive an answer and was told to contact XXXX XXXX XXXX.
A repeat call from the same person and XXXX XXXX called on XX/XX/XXXX, and texted me a threatening text. I contacted Check N Go inquiring about this directly, again, and received a response on XX/XX/XXXX stating they have information about these matters.
On XX/XX/XXXX, I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) who stated they had purchased the debt and now held ownership.
On XX/XX/XXXX, I was contacted by XXXX XXXX via phone at XXXX. The agent stated they are a legal mediation department representing Check N Go stating they are looking for payment to mediate my breach of contract. They threatened that if I do not pay, I will be sued in my local circuit court. This is identical to the communication received from Competitive Solutions. I requested this information via mail and they stated they do not send anything by mail. I stated my attorney would request information via certified mail and they gave the address of XXXX XXXX XXXX XXXX XXXX XXXX, GA addressed to Attorney XXXX XXXX XXXX XXXX? ). The agent was very rude, calling me stupid, unintelligent, and had all of my personal identifiable financial information.
|
| 04/11/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
I had no options to choose for my issue I paid off 2 check n go loans. When I applied for a 3rd they wanted a bank statement witch doesn't get generated till next month. They take a screen shot of my bank history showing I paid them off. ( They don't have info that I paid them? ) So I took the screen shot uploaded and they sent me an email telling me to do it again so I called them to find out why. I was informed that my screen shot does not show a balance after a debit and is not acceptable. Very confusing how my balance has anything to do with it. I begged like a dog for supervisor I had to call several times to get speak with a supervisor.
My complaint is that one of the representatives asked me if I knew how to alter a document like in photoshop and I got the impression he wanted me to alter the documents put balances in so he could issue me a loan I do believe altering a financial document to obtain a loan is considered fraud and illegal And that fact that on XX/XX/XXXX my bank balance meant the entire world to them and I just refused to alter a document. So I told them to cancel everything I don't want to do business with anymore. On XX/XX/XXXX they sent another email requesting my bank statement again. I went into my account to send feed back and a complaint to find they don't want my bank statement but wanted to sign e document. So on XX/XX/XXXX my balance meant everything to them but on XX/XX/XXXX it didn't mean anything to them I don't think any lender should be allowed to suggest the customer to alter documents so he provide them with a loan They are constantly sending emails telling me I can apply when I've beggedthem like a dog to stop and remove me from their list and they refuse to do so I'm legally deaf by federal guidelines. I talk loud get accused of yelling get threatened to be hung up on because of it, I'm not allowed to be human with emotions and feelings. I'm supposed to let check n go treat me like a dog and make me beg to speak with a supervisor. The customers service is disgusting. It tried solving this with there feed back department and they are just as bad Please do not allow this company to do this to others I've included the screen shot they suggested me to alter
|
| 05/06/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
Servicemember |
|
I have made my payments of {$670.00} on time or ahead of time, example on XXXX XXXX 2016 my payment due for XXXX XXXX was paid, Principal and Interest was paid. So I tried to be proactive so on XXXX XXXX I made my payment due for XXXX XXXX again Principal and Interest was paid. Now according to the receipt my next payment was due XXXX. This is where I have asked this Company to explain what happened with this payment. On XXXX I made my payment due XXXX ahead of time. When Sat down to review my payment tracking I noticed that my entire payment of {$670.00} was placed in Interest only and nothing to principal. I spoke with the manager and she gave me two versions as to what might have happened, one reason was a computer glitch and the other one was that they had paid to much to principal when the interest should have been more in the month of XXXX XXXX.
No response from District Manager when I have left two phone call messages in mid XXXX and no response from the Home Office when I emailed a complaint late XXXX asking for some kind of explanation or understanding as to what happened here. My understanding is if my payments is a set amount of {$670.00} and I am paying ahead of time I do n't believe I should have any uncollected Interest or a whole payment going towards interest. I do n't know, that is why I asked them to give me an answer. Because it seems like If I 'm only paying interest ahead of principal I will never pay this loan off. Now on XXXX XXXX my payment due for XXXX XXXX was paid ahead of time and just like my other payment ( except XXXX ) principal and interest was paid. I do n't think I 'm asking for too much to know where my money is going. I have been waiting a month to hear from the home office and longer from the District manager. Never missed a payment, never late has the making of a responsible customer and this is has I get treated. To me when you avoid talking to me that 's a sign that something is not right. I have my receipts as evidence to help figure this out, like I said I 'm not a financial wizard, I may be wrong but I would feel better if I got a better explanation than the two that I got from the store manager. Thank you for your assistance in this matter.
|
| 02/15/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
On XX/XX/XXXX my husband and in-laws both received voicemails from a XXXX XXXX stating that she was trying to locate me and that I had a pending legal suit against me. my husband gave me the number that she had given as well as the filing number that was on the voicemail. I called the number and was told that they were XXXX out of Georgia. I asked for some sort of verification of the debt and was told that that was evidence and they would not give it to me. I repeatedly asked for more information and they would not give me anything other than the amount due if I paid that day or the amount that I would have to pay if it goes to court. I was told that I could call the original creditor but they would just refer me to the collection agency that they used and that collection agency would refer me to a broker who would then refer me to another agency before I finally got back to them. I called back this morning and recorded the conversation. I asked who the plaintiff was and was told the plaintiff is them ( XXXX ). that they own the debt now but that they are not a collection agency they only file the paperwork. I again requested a copy of the documentation and was told that the only documentation they can give me is a document stating that I had resolved it or documents stating I had made payment arrangements. That they would not give me any documentation pertaining to the original loan. I asked for the name and address of the firm as well as the name of the attorney that would be filing the complaint. I was told they don't have any attorneys on staff and that their name is XXXX I was given a PO box of -XXXX XXXX XXXX XXXX California XXXX. When I asked for the full name of the company she refused to give it to me ( the lady I spoke with name was XXXX both days ). I asked what their role was in this situation and I was told that they are a legal proceedings office that they purchased the debt with the intent to sue so therefore they are not a collections agency.the phone number I was given as a contact for them was XXXX XXXX file number XXXX. The phone number that called my husband and my in-laws was XXXX
|
| 11/12/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Please be on notice that I am submitting this complaint to your company regarding blatant violations of my rights as a consumer. I am submitting this complaint based upon the following list of harassment and items of complaint : 1. I borrowed {$450.00} from your company and the total of the loan was {$630.00} after late fees and taxes.
2. The loan went into collection and I made arrangements to meet the agreement.
3. My remaining balance is {$210.00}, and your company was taking {$100.00} out of my account weekly.
4. In good faith I agreed to pay the stated remaining balance, however, the said collection agency started calling and threatening me with a lawsuit.
5. The harassment got very outrageous : a representative of said company named XXXX started calling me on my cell phone all times of day and nights stating that he was going to file a law suit and have me served a lawsuit at my place of employment!
Therefore, since I have been threatened with by the collection company, I am now pursuing this matter by filing a complaint with the Consumer Financial Protection Bureau. I missed XX/XX/2018 payment, and in good faith attempted to make re-arrangements on the payment agreement but said company refused to allow same.
I contend that XXXX XXXX XXXX influenced me, under duress, into a predatory loan. I further state that the collection agency is, with wanton disregard, violating The Fair Deb collection Practice Act.
This act prohibits collection agencies from harassing, threatening and inappropriately contacting someone who owes money.
In addition, The Federal Trade commission uses the FDCPA to block debt agencies from using abusive, unfair or deceptive practices to collect from consumers.
THEREFORE, I am seeking fundamental fairness in the way I am treated as a consumer with said company/agency, and re-negotiation of the debt agreement. Meanwhile, I look forward to a response or offer to resolve this complaint.
Respectfully submitted, /s/ XXXX XXXX Cc : Consumer Financial Protection Bureau U.S. Attorney General Office Federal Trade Commission XXXX XXXX XXXX [ L.S. ]
|
| 02/11/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received an automated phone call on Thursday XX/XX/XXXX from XXXX XXXX about a debt urging me to go to their website to pay the debt. When I visited the website and put in some information it was for a {$4800.00} debt from a payday loan company, Allied Cash Advance. I have never used this company and do not owe them anything. I filed a claim with the Federal Trade Commission at XXXX. Claim number XXXX.
At XXXX XXXX, there was no way to talk to a real person via phone or chat. I called ( XXXX ) XXXX and was greeted by only an automated voice and not given a chance to talk to a real person, only referred to the website to pay off the debt. I also chatted on their website and they only referenced the website as the place to get information and pay off the debt. I also called the company that initially held the loan, Allied Cash Advance, and started a claim with them through their feedback team. Case number XXXX.
The calls from XXXX Recovers only intensified and were followed by text messages after I accessed their website. Here is a transcript of a voicemail that they left : " Hi this is XXXX with XXXX this is not the first time we tried to call in and out certainly won't be the last until we can get something figured out here I am did want to make you aware that the extra 10 % savings applied to your pay off online is temporary so I urge you to lock in the settlement on your account now even if you don't have the funds to settle it you can set up a partial payment plan or you can schedule your settlement for a later date when you are able to pay it as of now the 1099C tax form has been issued on this account so please take care of it before further action is required we do also report to the credit bureau 's all applicable accounts so again I urge you to take a seriously and take advantage of this offer our website address is XXXX I'm legally required to inform you this is in attempt to collect a debt thank you The number was ( XXXX ) XXXX. I received at least 5 calls in less than 18 hours. Some of the calls came from other cities and numbers.
|
| 10/27/2018 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I just feel like these places are legitament businesses but are undermining DUE PROCESS being unprofessional to it's potential customer. Why are we subjected to pull out our cell phones for them to call to see if it's on or not?
Why do we have to WAIT to a weekday to VERIFY our employment when they are requiring your paystubs and bank statements applying on Saturday when your off but your company you work for is closed on the weekends.
They are very unprofessional not real business like practices acting like street hustlers instead of a legit business that has protection at the BOTTOM LINE for those loans. If a person submit their info and it's fraud then TAKE ACTION when it occur like a police officer get a call for a bank robbery they deal with it after not before!
If you committ a crime you do the time. This is a business environment you are taking RISKS either way loaning money out. THEY NEED TO KEEP IT ON A BUSINESS DUE PROCESS LEVEL and stop treating everyone as CRIMINALS being put under their unprofessional practice for it's consumers. Elimanating that calling your phone calling on the spot other words if you don't have a phone they'll deny you when they NEED TO BE HANDLING BUSINESS THROUGH THE MAIL.
All these XXXX SC loan places title loans, installment, check writing loan all are doing this street hustler foolishness. Bottom line if someone default after going through a legit process those companies still will get a write off or their company insurance will cover it.
You all need to address this issue QUICKLY shutting it down making these businesses get back to professional standards towards it potential customers. Making them put other methods in place for us consumers having to wait until Monday when you off Saturday and need the money Saturday. They all are acting so petty and not leaning at their business protection for those loans actually looking more like PREDITARS to the consumers GREED-GREED-GREED attitude having no form of business class. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
|
| 08/22/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
I applied for a loan and was approved. After verifying my information and checking my credit etc. I was told on the phone that the process was complete and I should be receiving my money soon, I also received an email right after that indicating that the money was sent and should be in my account within a day or two. This was FridayXX/XX/XXXX.
By Tuesday XX/XX/XXXXI still had n't received the money and when I logged into my account there was no indication I had ever even applied for a loan, so I called their number to talk to someone to figure out what was going on since I was planning on having that money and it had n't shown up ... The phone call with the customer rep lasted about 30 seconds after which I was told there was no loan that was approved, they did n't know why I would have gotten that e-mail indicating funds were sent, and then she hung up on me. After looking into the company more I see this is a common occurring theme with them, they approve your loan ( while running your credit, collecting sensitive information, etc. ) and then completely ignore you when you follow up on it. At this point my checking account is now negative because I received confirmation that the loan funds were sent and they never showed. I would advise everyone to stay away from this company because you 'll only make your situation worse. To take advantage of people who are already facing financial hardship is appalling. I 'm also worried they will still take out the loan repayment now, because it seems like how they make their money is preying on people who ca n't afford to fight back. Attached are copies of the confirmation I was being sent funds and that it was finalized ( it literally says " they 're on the way '' ), the overdrafts in my checking account from bills scheduled I was planning on being able to pay ( and there will probably be more, because of them ), and the view of my account when I sign in showing absolutely nothing other than an " APPLY FOR A LOAN '' button.
|
| 06/06/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I have been using their services for awhile. I currently have a loan that is due XX/XX/XXXX. I called to make arrangements for an Extended Payment Plan, something I have NOT done before. I had 2 prior consecutive loans right before this one so I counted this a my 3rd consecutive loan. According to the documents I signed & the Indiana Small Loan Law Borrower Rights & responsibilities document I was given with my loan should be eligible for an Extended Payment Plan due to it being my THIRD consecutive loan. However, after calling XXXX XXXX XXXX to inquire about the EPP I was told I was not eligible according to the " State Database ''. The gave me a phone number to XXXX ( XXXX ). I called them and was told I was not eligible for the EPP because my 1st loan in this " series '' was actually loan XXXX so my current loan is number 2 not 3. I do not know WHERE this counting process came from & was never informed that's how they " count '' nor is it in any of there documents. So they are refusing to give me an EPP. To me this is blatant skewing of the law and there documentation to keep people from requesting the EPP.
Here is a response I received via e-mail : " Dear Valued Customer, We're sorry we were unable to accommodate your request. According to our policy, we may grant you an extended payment plan on your fourth consecutive transaction with a state-licensed payday lender. ( consecutive meaning less than 7 calendar days have elapsed between each transaction. ) After reviewing your account, we show you do not meet those requirements at this time. We apologize if this is any inconvenience.
If you have any additional questions or concerns, please call our Customer Service department at XXXX to speak with a representative. '' The documentation states " At the time you enter the third, fourth or fifth consecutive loan, the lender is required to offer you an EPP. '' It does not say " 4th consecutive transaction '' or that your first loan is loan XXXX.
|
| 04/27/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
In XX/XX/2019 I called check n go and asked to set up payment arrangements. I had gotten behind and want to get this paid off. He told me that he could not do that I would have to contact a collection agency but did not give me information. He then charged my account {$140.00}. I have had a guy call different work locations I do not work at and keep asking employees information about me even though he was told by the store manager to not call again and that we do not answer questions about employees all verification have A strict policy. He called from XXXX he then proceeds to call another location and same thing is advised to stop calling that I am not in these store no information would be given per policy. I then call his number to figure out what this is and it sends me straight to voice mail and says hang up do not leave message this is an investigation department. I tried texting number to stop contacting my references and work and that I do not know what this is about but to stop contacting them. He has called my employer and family saying if I do not call back immediately and provide a claim number he is on his way to my employer to serve me documents. Today is the first day I was given a valid number and even the name of the company Check N Go. It's never been provided and I thought he was a scammer because I can not call him back but he keeps calling my work and family. Today I called a number that was left and I asked the lady to stop having people call my work and family that I can set up payments and she informed me I can only stop the calls to my job at locations, that I'm not even working at and my family is by paying over XXXX in full and that I am committing fraud by defaulting contract even though I've made plenty of payments and also tried to set up arrangements was told I can not then charged anyway. She said that it was my intent not to pay off balance and that she will not stop the harrassment unless I pay in full.
|
| 12/01/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
On XXXX, I received a call from the area code in which I reside. Individual on the phone insisted on verifying my personal information, address, ssn, date of birth. I asked who it was. The individual then transferred to a man named XXXX who then quickly stated that he was attempting to collect a debt on a payday loan associated with my ssn. He then stated all my personal information like name address and DOB. He cited the laws in my state that I was in violation of due to this payday loan initiated on an account that I have not had for 10 years. I asked him to send me verification of the debt. He sent me a word document to my current email and gave me XXXX hour to determine if I was going to make arrangements to pay the {$2000.00} loan or be taken to court. The document included their case ID number, the lender 's name, the amount they were willing to settle and a disclosure with a toll free number. I called the BBB and reviewed this information. They looked it up and could not verify a business name associated with the phone numbers or street address. I called him back after reviewing the document and requested XXXX more hour as I had an appointment. He said fine. In that time, I Googled the address, phone number and nothing came up. I called the BBB of my state and they suggested to request official documentation of the contract for the loan. They also stated I should inform him that I had contacted the FTC. I called back to XXXX at XXXX XXXX Services. Once I requested the information and stated to him I had contacted the BBB he informed me that he had done everything he could and he would have to file with the court. He also stated I was not smart enough to even read the phrase Better Business Bureau. I interjected and said I am requesting this information so I can verify and protect myself from fraud. He repeated his comments and stated he is not frauding me. He then proceeded to berate me some more at which point I hung up.
|
| 07/01/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
XXXX relentlessly called my cell phone and left voicemails not once stating it was to collect a debt, but that legal action had been taken against me and that I needed to return their call to prevent further legal action. When I did not return these calls, they managed to find the phone numbers of all of my immediate family members, and then continued to leave harassing voicemails for them as well stating similar legal courses.
When I finally called in, I was told my number was no longer in service, although I had not and still have not changed phone numbers, and that although they mailed a letter to my old address ( I had moved cities for a new position ), family members ( or what they will call " References '' ) were their last resort. I was told they had no other manner in reaching me, even though they verified my email address without my needing to even provide it in the first place.
So essentially, they had more than two ways of contacting me in attempt to collect a debt, and instead harassed myself AND my immediate family under false pretenses. For MONTHS. All for a whopping {$100.00}.
Just to make it clear. Under The Fair Debt Collections Practices ( FDCPA ), all debt collectors in attempt to collect a debt MUST provide the following : Identify themselves during every communication.
Notify the consumer that the communication is from a debt collector.
Give the name and address of the original creditor.
Notify the consumer of the right to dispute.
Provide verification of debt.
None of this information was provided to me until I called XXXX MONTHS after relentless harassment. Had I known from the beginning it was an attempt to collect {$100.00}, I would have called sooner, however from the initial contact, where not even my name was given ( voicemails only stated message was for " Name, Name '' ), all I knew was legal action was being taken against " Name, Name '' and that I needed to return the call right away.
|
| 06/21/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
Older American, Servicemember |
|
I went to Check 'n Go on XXXX XXXX, XXXX to get a loan to make repairs on my car. Check 'n Go gave me a {$5000.00} loan at 74.95 % APR.
On XXXX XXXX, XXXX, I went back to Check 'n Go to get a little bit more money. They told me I could refinance my loan with them, and I would have to take out at least {$2000.00} more with them. I did n't need {$2000.00} more, but they told me that they would not give me a loan unless I accepted a refinance loan for a higher amount of money. I signed a refinance agreement for {$3700.00} at 85.08 % interest.
On XXXX XXXX, XXXX, I went back to Check 'n Go because I was behind on my rent payment and all my bills and needed more money. Again, I wanted less than {$2000.00}, but Check 'n Go insisted that I take out a loan where I would get over {$2000.00} in cash. I signed another refinance agreement for {$4600.00} at 104.57 % interest.
The Check 'n Go office has, from the beginning of my interactions with them, refused to accept any method of payment from me except cash. They debited my bank card once to get my bank information.
I fell behind on my payments with Check 'n Go around XXXX XXXX, XXXX. Check 'n Go created a check for {$380.00}, payable to Check 'n Go, in my name and cashed it with the bank. I was never informed that Check 'n Go could do this. I would not have given authorization for Check 'n Go to do this if I had understood what remotely created checks are. My bank charged me an overdraft fee after Check 'n Go cashed a check that it had created in my name that I did not authorize.
I fell behind on my payments with Check 'n Go again around XXXX XXXX, XXXX. Check 'n Go again created a check in my name payable to Check 'n Go for {$530.00} and cashed it with my bank. I disputed my check with the bank and have attempted to withdraw my authorization for any future checks created by Check 'n Go.
I have never authorized Check 'n Go to create checks in my name to overdraw my bank account.
|
| 08/27/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
Several years ago, approximately 2012, I took out a payday loan to help cope with a medical emergency. I had made payments for several months. I believe I repaid at least the amount borrowed or came fairly close. Regrettably due to the continued medical issue and resulting limitations on work, I was unable to continue paying the loan. Subsequently, My family in XXXX and XXXX were contacted by a collection agency regarding the debt. At XXXX point, my brother in XXXX had his dog threatened by the collection agency. My niece in XXXX was called countless times. She reports that the collection agency threatened to take her home. They cussed at me and left messages with cursing actions. To be honest, I am not sure if they actually threatened law suits because the language became quite escalated. I remember leaving with the distinct impression that they were discussing a legal liability. My bigger concern however is the threats to my family and the abusive language. In order to get them to leave my family alone, I contacted the agency and set up a payment arrangement. At this point I contacted a financial counselor who cautioned me that this loan may be of questionable legal standing in XXXX. Consequently I postponed payment and requested information from the agency regarding the debt. They denied that they had to provide any paperwork about the situation. I contacted the original creditor and they told me to contact the collection agency. I attempted to request the mailing address for the collection agency and they refused to provide the information. I called back with my financial counselor and they also refused to provide any of the information we requested. Even the company name was not disclosed. They may be XXXX XXXX or they may be collecting for XXXX XXXX. They identified themselves as XXXX but would not clarify if they were a department of XXXX or a separate company. It was at this point that I reached out to the CFPB.
|
| 09/16/2016 |
Yes |
|
- Applied for loan/did not receive money
|
|
Web |
|
|
Check N Go. Oy! Since my last visit ( years back ) everything has changed. In times past, you would receive cash on-the-spot and you would then leave them a check with the payback amount which they could then cash, thus paying off your loan. Not anymore! Now, instead of leaving them a check, they enter your full account info into their system ( essentially allowing them to access your account directly however and whenever they feel lke it ).
The loan is also supplied differently. No cash. Instead, they give you a third-party debit card ( which I need like a hole in the head ), supposedly containing the amount of your loan. I took that card to XXXX banks that day and it was declined each time. I went back to the store in an absolute rage, telling them I wanted the contract torn up. Clerk took nearly fifteen minutes fussing around, only to tell me that there was some " defect '' with the card, etc., etc., and that she would issue a new one. Total time to get my cash that day was 3 hours. ( When you go to a bank with a debit card for cash withdrawal at a teller window and the card is declined, you CAN NOT legally return to that same bank the same day to " try again. '' ) But the worst part of all -- and this is why these people should be shut down IMMEDIATELY, is that they have another new shtick : Knowing the FTC is on to them, they are soliciting customers to write brief, positive letters IN-STORE to send to the FTC! Well, based on my PAST experiences, I was glad to do so. But this was asked of me during paper processing, before it was revealed that everything about their business procedure had changed. A bit like a hotel asking you to write a positive review at the check-in desk based on your past visits, and then you go to your room and discover the place has turned into a dump. Too late -- they 've already got your " glowing '' letter. What a disgrace!
Most despicable people I 've ever dealt with.
|
| 06/17/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I called XXXX to request a statement of what I oaid to what I owed and the man I spoke to after XXXX ( I may have the name wrong, he put me on hold and then someone else returned ) told me that my last payment was returned for NSF, which could not be true, because it never showed pending on my statement, and if need be I can provide those, to show my beginning and ending ledger on that day. Anyways, I called for a statement of what I had paid and what I owed and he verbally told me over the phone and I requested it in writing because I was moving and looking to open up a new account and wanted the previous transactions for my records. Anyhow, he told me he couldnt do it and that maybe I should call back when I could make a payment instead of finding someone else to blame. First off, he was very rude, and I hope the calls ARE prerecorded, because what I was requesting did not warrant such an answer. Second, as a consumer, I know my rights. I told him I would be suing. They need to accept my payments as settlemeny for this debt because I will not be treated in such a manner, nor will I be denied information about my account. I 've been paying for months, its not like I havent been, so for this guys to be so rude and deny me my information so recklessly, I am apalled. I have worked collections, so I know the do 's and dont 's. Then, I am morr upset with check n go because when I called to verify that this third party was indeed who bought out my account I was told they didnt know and that I had to call another third party, who seemingly couldnt answer the phone. My request was simple, and he got an attitude so I got XXXX as well. I cant even get a statement because??? Not okay. Then he tellls me some other company is gon na pursue the account in other manners etc etc. Like chill, that had nothing to do with anything I was inquiring about, and using scare tactics?? No ... it wasnt even necessary.
|
| 01/19/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
I was contacted on Monday, XX/XX/XXXX with a voicemail from a XXXX XXXX, claiming to be a legal carrier and that I was scheduled to be served Tuesday, XX/XX/XXXX, either at home or at work. He provided a phone number to contact the creditor directly at XXXX, case file # XXXX.
I spoke to a man who was trying to collect a debt from Check-n-Go payday loan. I did n't know if this company was legitimate or not because I was in my car and could n't look up the company. The debt is legitimate so I signed up for payments to pay off this debt. He was adamant that I needed to sign a release of funds from my credit union in order to charge my debit card. I had not faxed the form as of yet but I did receive a declined message in my email. First, I wanted my card to be charged every other Friday starting on XX/XX/XXXX. What I need to know is if this company is real, can they threaten to take legal action and can they take funds from my account without signing their document?
I spoke with my representative today and he stated the opposite of what he told me on Tuesday. He said the email and release was for my records. I told him that it did n't make sense because he was adamant that I had to physically sign and not electronically sign the release. He stated in the second call, that I did need to sign the form in order to get my paper stating my account had been paid in full, otherwise, I would not receive this letter.
I told him that did n't make sense because if its paid off, it 's paid off and again, he said I needed to fax it in. Then he told me he sent me a physical copy and that I could sign it and mail it back to him. I did contact my credit union and they said I could n't do anything at this point ; however, I can block this company from charging my card ; however, I 'm scared not too because I do n't want any legal actions taken against me.
|
| 10/26/2016 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
Check and Go debt from XXXX. Filed Chp XXXX Bankruptcy in XXXX XXXX, was discharged in XXXX XXXX. Check and Go was listed on the XXXX. I received a telephone call / voicemail in XXXX XXXX from " XXXX '' XXXX ( XXXX, XXXX XXXX XXXX ) stating that they were going to be delivering a summons to my residence and then my job and that I must have a supervisor present. I returned the phone call and indicated that I had filed for Chp XXXX Bankruptcy in XXXX XXXX. They stated that this was a fraud charge and my bankruptcy did not protect me from that. I forwarded this information and the voicemail to my Bankruptcy attorney. Today on XXXX XXXX XXXX, I received a voicemail on my personal cell phone and work telephone from " XXXX XXXX XXXX '' XXXX stating that I needed to contact this number and that the voicemail would serve as " legal notice ''. I returned the phone call and the " Senior legal representative '' stated that fraud charges were being made against me because of the Check and Go debt from XXXX that was included in Bankruptcy. I explained that my bankrutpcy was discharged in XXXX XXXX, asked them not to contact me again at home or at work, and to call my attorney with questions. They stated that my bankruptcy has nothing to do with the fraud charges being placed against me. I explained that I knew this was scare tactic and that I was not falling for it. She insisted that she was forwarding my account to a " locater '' and that I would have to appear in court with my attorney to answer to these charges. I again asked this company to not contact me again regarding this matter. She stated that the phone calls would continue. I disconnected the call. Immediately after disconnecting the call, I received XXXX " Unknown '' calls. I answered, nobody on the other end. This is also harassment in nature.
|
| 01/25/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
This company at phone number XXXX ( XXXX ) XXXX contacted me XX/XX/18 and left a voicemail. They then contacted two very distant out of state family members I dont even speak to saying they were investigating me for fraud. I called the woman and she advised me I had committed bank fraud because I took a cash advance out five years ago, paid it all off but {$200.00} and had changed banks. I didnt hear from anyone since and forgot about it. I didnt deny having this debt. I told her that I had XXXX XXXX XXXX now and am on XXXX and no longer can work, that I have no home, no car and no means to pay for this debt in full right now. She told me that she sees Im a XXXX and they will take my XXXX license. I told her Im XXXX so it doesnt matter but they cant do that either way. She said she was sending the sheriff to arrest me and that I might get medical care in jail possibly. She then said that I was lying about my XXXX XXXX, I was telling her information about a family member to decieve her and that there was nothing wrong with me and youre not even sick let alone XXXX. I hung up. I called back and asked for her supervisor. She said shes the supervisor in that office. I said I wanted the supervisor not in that office, that everyone has a boss. She refused. I said I dont know how this went so ugly, I just want to know what I can do to rectify this situation. She said I was past that and now it was just when Im going to jail. She told me again Im not sick, Im nothing but a liar, I should be ashamed by myself, Im disgusting and she was sending them out to arrest me for being a liar and hung up. This pushed me into a XXXX XXXX XXXX. I know these are terror tactics used to pump people with old debt that has been bought and I will not be bullied but I couldnt even find out what the debt was.
|
| 07/01/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I received a call from XXXX XXXX XXXX XXXX XXXX XXXX. The number on my phone was XXXX, however, I was asked to call back XXXX x XXXX.
XXXX proceeded to state that this was the last attempt to collect a debt from Check n ' Go that occurred in XX/XX/2012 in the amount of {$100.00}. He proceeded to state that after several attempts to contact me of this debt, that Check n ' go retained his companies services to determine if the cases should go to court, and that if I paid today he could make the issue go away.
I asked XXXX to verify the address, and emails they attempted to contact me and when. He provided obsolete contact information, that did not align with the living situation in 2012. In fact, financially we were secure, so there was not a single visit to a Check n ' Go.
I asked for him to email or mail me the information to verify it s value, indicating that I am not refusing to pay if this is a legitimate debt. I frequently review my credit report, and never once has this debt appeared on my or my wife 's reports.
XXXX then state then I am going to refer this to court, since your refusing to pay. I again repeated, I am not refusing to pay, however, it is not possible to pay for a debt that has not appeared on my credit report, nor aligns with the circumstances of 2012.
I proceeded to ask you did not indicate this call is being recorded, however, if so, ain't I repeat I am asking for additional information to prove this debt, I am not refusing to pay if it is legitimate, and that I request ou update the information by sending me an email to confirm the debt and its associated documents. He refused, I gave him my email, and after an hour nothing is received. It appears this is a scamming agency, however, they did have the last four of my social.
|
| 05/29/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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On XX/XX/XXXX my office secretary sent me an email stating that she had received an automated phone call stating that " they '' have tried to fax me documents, but were unable to do so and I was to call them at XXXX.
I called them on XX/XX/XXXX, and I spoke to XXXX XXXX who said she was calling from XXXX XXXX XXXX in XXXX CA. She said that CXXXX XXXX XXXX ( their client ) had attempted to email me several times about a debt I owed them, and that I had not responded. Now it was going to litigation. If I didn't pay {$940.00} right now, I would be served papers, and I would have to settle the matter in court. They would sue me for check fraud. Her tone was very abrupt, loud, and demanding. I told her that I hadn't received any emails from XXXX XXXX XXXXXXXX - even in my spam. I told her that I wouldn't give any information over the phone, and that they would need to send me all documentation through the mail - information about their company and information about the supposed debt I still owed. She said it was too late for that. She had all of my information including my SSN, previous addresses, phone number, and my work phone number. She told me that she had spoken to my supervisor at work and the Human Resources department as well. ( both people said that they had not talked to anyone about this. ) I called XXXX XXXX XXXX on XX/XX/XXXX, and they confirmed that my debt with them had been settled as of XX/XX/XXXX. I called XXXX XXXX XXXX back to let them know this information and spoke with XXXX XXXX and told her that I had proof that my debt had been settled with XXXX XXXX XXXX in XX/XX/XXXX. She said I was still going to be served, and that I had better bring proof of that when I was in court. I told her " you bet I will ''. She hung up on me.
|
| 01/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. Their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : XXXX XXXX Account Number : XXXX Found out that these is/are incorrect information listed under my name and I was never late paying.
I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
|
| 01/27/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
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I received messages on XX/XX/XXXX from my father 's wife and another friend stating they were a state investigator XXXX XXXX trying to locate me in regards to a case file. and to call them at XXXX with a case number XXXX. They told my father that they are part of XXXX county district courts and needing to serve me court papers in regards to committing fraud. Then 30 mins later my sister 's ex husband that lives in a different state trying to locate my sister to contact me. My sister called to find out who it was and was informed that I had 3 charges pending and said they were a location services company. I called to find out what it was and at first they said they were a law firm and stated that they will be serving me pages at my home to go to court for criminal charges of check fraud. I asked them if they were collections and they said no they are a law firm through Connecticut, but works for locating me for XXXX county district court. Charges are pending because I owe money to Check and go Payday loans from XXXX or XXXX. Said they have a right to charge me because the charge off date was XX/XX/XXXX. Threating to press charges if I do not pay the balance XXXX which is the balance of {$640.00} plus late fees. They said it was the balance of and only if I pay the full amount with late fees could they stop the court case. I informed them I can pay if i can get a documentation of what I owe and where I can send the money. The rep threatened again saying if I cant pay it over the phone then have a good day in court where I will be charged with check fraud and XXXX 's of dollars in fees. I have a screen shot of the message that they sent to my old phone number and a voicemail link of the message they left for my sister to locate me.
|
| 11/07/2017 |
No |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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check n ' Go payday loan made me a loan and the loan offer told me that I could get up to XXXX after 6 month of payment history and after the 6 month me and my wife went to get the XXXX loan she change her story around from what she told us. then she said we could get a lower amount XXXX and when we was to get that amount she change her story again it wasXXXX she was very nerves in doing the business very little eye contact and unasured of her self. after leaving me and my wife look back over the paper work and the instrest rate was to high so on XX/XX/XXXX was the date of the contract and when we did sided to dispute the contract and i email check n ' Go on their website to let them know that we were disputing the contract on XX/XX/XXXX then I went down to XXXX XXXX and stop payment on check n ; Go payday loan the fraud department did not call me back as the said they would. then a made other attemps to their home office XXXX XXXX, Al office to let them no we stop payment as well. and other i talk with in XXXX, Ohio, XXXX haver a file on record of me trying to resove the matter and they turn the offer down. XXXX XXXX will be getting this for the first time to try to resoved this matter with them invoded in this matter which they play a big part in because they wer my bank and they let checkn ' Go get away with my money to cause me hardship in this matter I also will be uploading written paper to give more information on this matter as well. XXXX vice president refuse to give me a copy of my complaint that I file with him on the matter I need that complaint that tell who all had some thing to do with XXXX mangement team that allow the to happen to me and what part every noe played that why i need jusice in the matter.
|
| 09/30/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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On XX/XX/XXXX at XXXX XXXX I received a call from XXXX and XXXX at XXXX. It was an automated system message stating that if I did not respond immediately, I would be sued in XXXX county courts. It gave a toll free number to call back. I was not able to write or record the number as it was only stated once before the call disconnected. I called the 614 number back and spoke with a very rude individual who seemed to know everything about me including my ssn, without me saying anything more than hello. I never verified any information. He questioned me about a debt with Check-n-Go then rattled off some account and routing number that I had never heard of or recalled ever having, nor did I recognize the bank name. He started to yell and be very rude to me before disconnecting the call. I called Check-n-go and they verified there was a loan from XXXX but it was closed and didn't appear to be in default. They were able to give me the date, amount and loan number. I called the 614 number back and attempted to ask the gentleman to verify some more information for me. He told me I shouldn't have called Check-n-go without speaking with him first. He became Irate, continued to yell every time I asked a question and speak over me until I said I wanted to verify the info to make a payment then told me he was transferring me to someone else. The woman he transferred me to knew nothing about my account and could only process a payment. How could that be? She told me I would have to be transferred back to the man to verify any info. When connected back to him, I asked for a supervisor. He refused and continued to yell at me with threats til the point that I became upset and disco 'd the call. I also blocked them from calling back.
|
| 08/28/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
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Web |
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I had a payday loan that was do on XX/XX/2019 for {$500.00} with check n go XXXX XXXX XXXX XXXX, XXXX, TN XXXX. I contacted the manager XXXX because my payroll check was short two due to a payroll error. I explained the situation to him and told him that i would have to come in next week because i did not have enough to pay and rewrite my loan.He told me he could not guarantee to hold the check. I told him the money is not there and i am trying to let them know i will be in next week. He said he would call district manager and call me back. He did not call by XXXX XXXX so i called him back he stated that he spoke with his district manager and he said as a one time courtesy that he would honor it. I told him i would definitely be in next week to pay. I told him if they pay it Monday i would be in but if not definitively on my payday that Friday. I called to give a follow up XX/XX/2019 letting him know i still was not able to borrow but would be in on Friday XXXX said OK never said anything about sending it into the bank. This morning XXXX 2019 my account was overdrawn because he sent the check in. I called him when they opened at XXXX and asked him to have his district manager to call me. He stated that he was the manager i told him i did not wish to speak with him and to have his district manager to call me. He then stated that his district manager was on PTO. I then asked for a number to there corporate office he gave me the wrong number twice. When i called the number it was asking am i a home owner. I told him i would call another location and get the the number that was given to me was a customer feedback number no where to really speak with no that could help. The gut typed in my feedback and that was all.
|
| 07/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
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I am from XXXX and went to XXXX, Delaware at Check n Go to apply for a payday loan, XX/XX/XXXX. I was approved for a loan amount of {$3000.00} with payments of {$300.00} due every two weeks for 37 weeks. I thought that was an outrageous amount as I have had loans before and never had to pay that much, ever! The agent said it was because of the interest. Back around XX/XX/XXXX, I called Check n Go asking for the payoff amount thinking it would be about {$1800.00} bc I made about {$3300.00} worth of payments. However, the lady that answers says the payoff amount is {$3100.00} and some cents, I said how and she says all the payments have went to interest you shouldve been paying more if you wanted the payments to go towards the principle. I said if you all put more towards the principle the interest wouldnt stay so high and keep accumulating it will take forever to payoff. Her response, yes thats why we say pay more and I told her I was never told that and the {$300.00} was already too much every two weeks and that it was a rip off! My original loan officer told me I could pay off the loan early and it will save on interest but if the amounts were paying are only going to interest then the principle is never paid down and it continuously accrues interest. I wanted to pay the loan off that day so I would not have to keep making these outrageous payments but could not because the amount was still more than I borrowed even though I had already paid back more than I borrowed. Also, they reported this loan to the credit bureaus and I was unaware that this would go on my credit, I have never heard of a payday loan posting to a credit report, I was shocked when an inquiry occurred let alone an account posting to my credit.
|
| 01/16/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a call today on my cell phone while I was working from a " XXXX XXXX '' from XXXX XXXX in regards to two fraudulent claims attached to my name and SSN and that I have a breach of contract with the intent to harm a financial institution as well as a series of returned checks and that I would have to appear in court on them once it was filed. The debt is for a series of payday loans from Check'n Go through an online loan. I have received no written requests for payment on this debt. This would result in a civil judgement and wage garnishment. He proceeded to leave me a case number ( XXXX ) and a contact number for the " plaintiff ''. When I called the number that was left ( XXXX ), I was directed back to this XXXX XXXX. They tried to confirm my information, and did have my name, the last 4 digits of my SSN and my address, but none of the other information matched mine. I advised the agent that none of this information matched up with me and this wasn't my debt, and the agent said " good luck in your dispute '' and hung up. I was already shaken, but then got a message from my mother about an hour and half later letting me know that they had contacted her and told her they were trying to collect a debt and even confirmed some of my personal information. I was able to call the representative back and advised that none of the information they had on this debt is mine. He said he would file a dispute with his supervisor and hung up. I know contacting family members the way they did is illegal under the Fair Debt Collection Practices Act, 15 USC 1692c. They have provided no documentation on this debt and are threatening to file suit and garnish my wages without attempting to collect through normal means.
|
| 03/19/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I still can not locate the name of the company but they called my work, my brother, and my sister stating they were calling from XXXX County regarding a grievance that was filed against me. They gave them the phone number XXXX-XXXX-XXXX for me to return the phone call. When I did, I asked them if they were calling from XXXX County as they had stated and she would not answer me. I then asked what company she was calling me from and she would not tell me. I explained that I had XXXX the phone number and nothing comes up. She then told me she would have to transfer me to legal without providing any information to me. When I spoke to the woman in legal, who also did not identify herself or the company she was calling from, she gave me my supposed case number and told me that there was a " location order '' for me and I said by who? I have lived in the same house for five years and it is not like it is hard to locate me. She told me I owed {$1500.00} in court fees and {$2000.00} from the balance on my account.
She refused to identify herself or the company she was calling from so I hung up. The same company then called my sister again and left her a very threatening voicemail about how the authorities are looking for me and she needs to give them my location. They then left a message on my cell phone ( so please explain why they ever had to contact my family or my employer ) as they obviously have my cell phone and know how to get a hold of me from the phone number ( XXXX ) XXXX-XXXX. I called the back and told them to never contact anyone who knows me again as they obviously know where I am and how to get a hold of me and that I was going to file a complaint against them. Then the woman hung up on me.
|
| 04/22/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
Unsolicited debt collection company called my cell phone by a private number. Did not leave number, only left a message stating that I was to be " legally '' served by original pay day lender for fraud. Then proceeded to call my sister 's cell phone number telling her that I am being sued for bounced checks from Check 'n ' Go. And that I am supposed to sign some papers by XX/XX/XXXX by a processor from XXXX XXXX in XXXX, CaXXXX There is no such company in XXXX, XXXX. Some man on the phone gives me a claim number and weird ( XXXX ) XXXX from XXXX, XXXX to call. So I am talking to someone by the name of XXXX. He proceed to tell me that I owe Check n Go XXXX plus more interest of 22 % and not the original balance of XXXX. He went on to say that if I do n't pay them that I will have my wages garnish for 1000s of dollars. And that it will appear on my public records. He then sends me an email stating that I must sign for credit card authorization to pull funds to pay down the debt of XXXX to XXXX. So, me not paying attention to my intuition. I foolishly told him my paydays and when I would be picking up my check and signs the papers back into the email. Um, I have given this third-party company my bank debt card info, they have n't withdrew any money yet from my account because there is no funds available. I have been trying to work out a payment plan with the original creditor this month so I found this pretty fishy to begin with. Anyway, I went ahead and called Check n Go and told them the problem. They told me that never sent out any legal action against me, but only sent my account to another collection agency which still had my information. They also told contact that agency who has my information.
|
| 06/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2021 I received a call from XXXX XXXX XXXX and the phone number was XXXX XXXX XXXX XXXX. A female individual stated I have a debt of roughly {$600.00} to pay for a creditor called Check N Go and to prevent potential legal action she asked if I wanted to take care of this. I told them I do not recognize this debt, asked for validation of debt and that an individual from XXXX, XXXX XXXX XXXX tried to collect on this debt back in XX/XX/2021 and was threatening to sue me. The lady from XXXX told me that that was a different firm and they probably passed my debt onto their company because my debt was deemed " uncollectable ''. So I proceeded to ask this lady for proof and validation of this debt. I also asked for a letter from them because I have no idea who they are and what this debt is for. The individual took my email down and stated she would be sending me documentation through email.
The only documentation this company has sent me is what appears to be a demand letter with reference number XXXX. I have not been provided any validation of debt. There is no proof this debt even exists and they have told me that potential legal action could take place.
This debt has gone from XXXX, XXXX XXXX XXXX XXXX https : //jacobrossassociates.com/ XXXX ) to where I was potentially being served an MSJ for roughly {$2000.00} to now being told there's potential legal action from XXXX XXXX XXXX for roughly {$600.00} on a debt I don't even recognize. These are potential violations of the FDCPA and the fact none of them can provide me validation of debt is beyond concerning.
I will potentially be speaking to attorneys in regards to this matter because this appears to be unfair and deceptive abuse.
|
| 08/07/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Goodmorning, A relative of mine received a call from ( XXXX ) XXXX-XXXX looking for me. I do not know the details of the conversation however I was informed it did not go well and that the gentleman on the other end of the phone used and exploitive to address my relative. Calling her a XXXX.
I then called back the same number as was greeted by a Mr XXXX XXXX, a name I assume to be an alias as collectors are allowed to adopt an alias. However I could be wrong. I digress, Mr. XXXX informed me of the establishment for which he was working for saying he works for a federal entity and his job is to make final recommendations of wether or not litigation would be necessary. I asked what he was referring to and he informed me of a debt from 2014. It was a payday loan taken out by myself from an establishment named Check N Go. He said his job was to see if we could reach some sort of settlement or if litigation in my state was necessary and the decision of what route to traverse down, was left up to his discretion based off of the dialogue we had in our correspondence. He verified the last four of my social but the address on file wasnt an address that Ive ever lived at. I advises him that this doesnt bring about any memory for me and the address he referenced is an address Ive never occupied. I made Mr. XXXX aware of my bewilderment and he became disgruntled and said he was going to tell the judge and good luck with that buddy and hung up. I asked Mr. XXXX in the beginning of our conversation if the calls were being monitored and recorded and he said they were. I also noticed that after he verified my social he did not read me the mini miranda. Which is standard FDCPA practice.
|
| 06/11/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I was contacted via phone around XXXX XXXX XX/XX/XXXX by a man named XXXX XXXX who said he was with XXXX XXXX collecting a payday loan debt from Check N Go. He threatened me with legal action, stated if I didn't pay today, civil court proceedings against me would occur tomorrow in my county court, I would be sued, and my credit would be damaged for the next ten years. I panicked, as I had used Check N Go in the past when I first moved to XXXX from XXXX to help pay the deposit on a new apartment. I agreed to pay {$50.00} of the ~ {$270.00} debt. After I hung up, I realized it may have been a scam. I called my bank to see if the hold for the {$50.00} had been placed and they identified the transaction as going to a debt collection company called XXXX XXXX. Research into this company with the XXXX uncovered a XXXX rating of F and several alerts. I then logged into my Check N Go account and found the original password had been changed. I changed it and there was an unpaid debt of {$110.00} on there from XX/XX/XXXX. I paid my previous loans and had no need for the service anymore, as I had been at my new job for a couple months and had steady income. The other red flags this call elicited was that the caller used an old address from several years ago, stated that the check stubs were from an employer for whom I worked until XXXX of XXXX -- and through whom the payday loan would not have been accepted because the last check I received from them was in early XXXX of XXXX. He did not have my current address. I contacted the police, who took a statement. I then contacted the county courts to see if small claims or criminal courts had any cases against me -- there were none.
|
| 02/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
On Thursday XX/XX/2021 at approximately XXXX hours I was contacted by a female who claimed to be an investigator with XXXX County ( the current county where I reside ). She claimed that she had been to my residence to obtain a signature on documents that are being filed with the Court which include criminal charges. She refused to provide her name or give me any specifics but instead transfered me to another individual. This individual gave me his name which is XXXX XXXX who claims he is with a company names XXXX. Mr. XXXX told me that they were contacting me regarding a defaulted loan that was taken out by me from a company called Check n Go. They claim at the time I was banking with a bank by the name of XXXX XXXX. I do not recognize the loan company nor the bank they say this was drawn on. I told Mr. XXXX I had no known knowledge of this debt and he suggested identity fraud but told me the simplest way to rectify this would be to pay him {$510.00} today which is the original loan amount of {$350.00} plus the agreed repayment amount. He said if not paid that they would file the charges against me for attempting to defraud a financial organization and several other charges. Mr. XXXX also stated that if he did not get my signature on documents he had that there would be a warrant issued for my arrest. Mr. XXXX gave me the contact information for his company with a direct extension to reach him back I will include this below.
Collection Company : XXXX Phone : XXXX ext. XXXX Case Number : XXXX Company they claim they are collecting for Name : CNG ( check n go ) Loan amount : {$350.00} Payback amount : {$510.00} My contact information XXXX XXXX ( XXXX ) XXXX
|
| 05/13/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
The date began was XXXX, 2020. From a recommendation of a company called Check n go for an installment loan. The amount borrowed was {$2000.00}. dollars, received {$1600.00}. oo, the r3emanider was paid to Check n go for the balance on a loan. The website was called XXXX XXXX, which was redirected to the company called XXXX, which is also part of Check N Go Corporation, in XXXX Ohio, They wante a total of seventeen payments, of {$280.00}, I missed one payment which I informed them, that the account which was ACH by the way, was to be closed or so I thought, and I would send tem a new account, which is called XXXX, I changed my mind and sent them postal money orders, which they sent me three different amounts, that I owe, now they want another XXXX, dollars which I am not going to pay. I have already paid {$2300.00}. 00 back. I checked with the Chamber of Commerce in the city, they told me Check N Go bellied up. Went out of buisness, address was listed under renovations. So I have not paid any more payments. Their collection department sent me another bill for {$860.00}. XXXX, The website, XXXX XXXX, which is supposed to be their website, has diplays of tvs, tablets, other electronics for sale. The percentage rate is astronomical, I do not recall them specifying the amount, of percentage and daily rate. I assumed that the loan was for the amount paid off, as well as the balance. I don't have a problem paying what I owe, but another amount that XXXX have been paid what I borrowed plus some interest, Please investigate this matter for me, if you have any questions or need paperwork, Please give me time to obtain it by printer, and I will fax to you.
|
| 02/16/2018 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I took out the loan in XX/XX/XXXX and my 2nd installment payment was not honored by my bank. When XXXX called me about the missed payment, I told them that I could not pay it in lump sum and the representative said that I could pay XXXX until the that installment was paid. I setup a payment for that day XX/XX/XXXX and then paid XXXX 9 times and the last payment of XXXX came out on XX/XX/XXXX. The original installment agreement also continued to extract from my account on the dates originally arranged. When I made my final payment XX/XX/XXXX. I was contacted immediately after stating that I had XXXX something balance. When I called and asked why, the representative mentioned that I had accrued interest that was not paid for from the missed payment. The representative said that when I setup the XXXX payments it was explained to me. I told the representative that it was not and she put a manager on the phone and he said he would review the call and get back to me. Nothing happened, except more collection calls. When I talked to the company again the same thing happened. I explained to the representative how the interest was not explained to me and that representative put a manager on the phone and proceeded to tell me again that they would review the call and get back to me. The next call I answered after that was from a collection agency. I talked to them a few weeks ago and they told me about the debt. I explained to them also the situation and they mentioned that they would XXXX know. I am trying to apply for a mortgage and my financial counselor noticed this on my credit and with me telling her what happened, we decided to file the complaint.
|
| 12/29/2016 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
Servicemember |
|
I contacted Check-n-go to extend my payment out to an additional week because I would n't have the money to pay my monthly payment on the scheduled day. The first person I spoke to was a male who assured me that he can extend my due date for another week. This was around the XX/XX/XXXX. I received a call from a woman that worked in the same office a few days later claiming that my due date was never changed and that the man that claimed to have changed it, could n't do that without me refinancing so she recommended that if I wanted to change my due date I would have to come in and refinance. So I went in on the XX/XX/XXXX to refinance but could n't because they had to wait for the payment that was already ACH from my account to return as paid or unpaid in order to refinance. She informed me that they could not debit or ACH my account again until they call me first. She also informed me to check back with her on XX/XX/XXXX and everything should be returned and situated by then. I returned on the XX/XX/XXXX only to find that someone had sent the payment back out. They violated their own policy when they sent the payment back out because they were supposed to contact me first and they did n't. They ended up terminating the man that assisted me and I received another overdraft fee but that was n't the real issue. the issue was that they violated their own policy and they made it seem as if it was n't a big issue at all but it was to me because I felt that I was being treated poorly and unfair. At that point I did n't want any part of their business. I am not saying that I should n't pay anything but I should n't have to pay what they expect me to.
|
| 01/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
XXXX Received a call from a XXXX XXXX XXXX did not state what this was for or why they were calling, then said there contacting in regards to the order of location, that was been issued against you legally I do have to make you aware that once your claim is filed into the county becomes a matter of public matter of public record, I have been instructed to contact your employer and speak with your supervisor directly because it lokos like that is going to be the likely place of location, your legal right will be forefeited the phone number '' then they said to call XXXX, I spoke to XXXX XXXX and had casse # XXXX, did not say what it was for except that it was a " locked file '' and then said it was for a check n go loan?
All of this violates, Fair Debt Collection Practices Act. It is false, misleading and harassing and scary when I'm at work. They've called my husband too. I will ask them to stop.
I called back and spoke to XXXX XXXX at XXXXXXXX XXXX on XX/XX/2022. I said I am responding to your contact about a debt you are attempting to collect. You contacted me by phone today. You identified the debt as a XXXX XXXX XXXX loan.
I asked her to please stop all communication with me and with this address about this debt.
To also, record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.She said they are getting information to file a lawsuit or check in Go has 3 allegations against me they will find me to issue against me...
|
| 01/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
XXXX Received a call from a XXXX XXXX XXXX did not state what this was for or why they were calling, then said there contacting in regards to the order of location, that was been issued against you legally I do have to make you aware that once your claim is filed into the county becomes a matter of public matter of public record, I have been instructed to contact your employer and speak with your supervisor directly because it lokos like that is going to be the likely place of location, your legal right will be forefeited the phone number '' then they said to call XXXX, I spoke to XXXX XXXX and had casse # XXXX, did not say what it was for except that it was a " locked file '' and then said it was for a check n go loan?
All of this violates, Fair Debt Collection Practices Act. It is false, misleading and harassing and scary when I'm at work. They've called my husband too. I will ask them to stop.
I called back and spoke to XXXX XXXX at XXXXXXXX XXXX on XX/XX/2022. I said I am responding to your contact about a debt you are attempting to collect. You contacted me by phone today. You identified the debt as a XXXX XXXX XXXX loan.
I asked her to please stop all communication with me and with this address about this debt.
To also, record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.She said they are getting information to file a lawsuit or check in Go has 3 allegations against me they will find me to issue against me...
|
| 12/05/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Servicemember |
|
I had taken out a payday loan of {$5000.00} on XX/XX/XXXX and during that time had undergone a several financial setbacks due to a family death and housing situation. Both my wife and I had a XXXX in XXXX XXXX and had to have XXXX in XXXX XXXX. My wife and I are on fixed incomes and have struggled to get back on our feet. We also had to vacate our rental property due to our landlord short selling his home in XXXX XXXX and had undergone a major move the year before in XXXX XXXX. I had to reach out to XXXX XXXX XXXX XXXX for some financial help, but fell behind in my household bills and had to join a debt consolidation company to help with our bills and the calls. The account in question was charged off {$4400.00} and I had not heard from anyone until now. I have received a call from a third party collection company called XXXX XXXX XXXX XXXX. The telephone number is XXXX. Their is a case file number XXXX. The individual that called was XXXX XXXX, who called to threaten me with legal action and has called all my relatives and family members by their cell phone numbers. He has been very abusive, arrogant, demanding, and has belittled me with saying that I have not paid my debts and seem to be some kind of monster. I tried to explain the circumstances and he just blew me off with an uncaring attitude and started to run his mouth, threaten, using abusive language and I had to finally had to hang up on this guy. I finally had to call the Fair Debt Collection Act for consumers and they told me to file a complaint on the company and this his guys threatening and abusive tactics. Please feel free to contact me for additional information.
|
| 04/05/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
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Over the past week, I have been contacted by two different companies claiming that I owe Check-n-Go money for a past due loan. I was first contacted by XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX, XXXX, and she said that she was offering me a deal to pay back a loan with Check n go for {$500.00} back in XXXX. She said the debt has accrued to {$2100.00}, willing to settle for {$810.00}, then she went down to {$610.00}, then she said if we settle today, then the number is {$500.00}. I did not do anything. Then this morning, I get a call from XXXX XXXX, XXXX, same story about Check-n-go, this time much more threatening and demanding, and the lady was rude, and hung up on me. So, I call Check-n-go corporate office, 3 different times, to ask if they show any records for me taking out a loan and not paying it back? Everytime I had someone check, they don't even have me in their system, so there's no way to see if these callers are accurate with their information. If Check-n-go doesn't even have me in their system, then how could any of this lawsuit be true? It can't be. I asked Check-n-go if I settled a debt would I be in the system, and they said yes absolutley ... they checked my last four numbers of my social security along with my name, and nothing came up for them. Why is this happening to me? If these collection agencies can't deliver me any documentation for this debt, isn't that a red flag? I asked them, and they gave me every excuse in the book as to why they couldn't discuss the " details of this case '' ... I don't want this to effect my credit or have a judgment placed on me, what can I do to stop this and check on them?
|
| 01/10/2019 |
No |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
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Web |
|
|
Someone called me yesterday morning, XX/XX/2019, seven times in a row, and told me they know where I live and work and that theyre delivering a claim filed against me. The man said he is a private investigator and began revealing my addresses and workplace. When I told him I dont even know who he is or what hes calling about, he gave me the number to XXXX XXXX XXXX ( XXXX ) and a claim number, and said hed call me back in 20 minutes to make sure I called them, otherwise, he would be at my work with papers ( even though I told him multiple times not to ). When I called the company, they told me I owed $ XXXX+ from XXXX XXXX XXXX. When I asked if they mailed me anything describing the debt or payment options, they said they handle all correspondence via their private investigators. They took my social security number and birth date. I was afraid and gave them my credit card information because they said no checks can be mailed to them, that they do not take checking account or routing numbers, and that they only accept Visa and Mastercard. I have since canceled this card. When I called back to obtain a mailing address, I was placed on hold for 10 minutes and given the address to an old XXXX store in XXXX, AZ. When I asked for their company name, they said XXXX. They also have no website. Today, they repeatedly called me again and when I didnt answer, they called my father and sister-in-law, telling them I am eluding the police on a past debt and then described their vehicle information to them. I have no idea what to do at this point. I am scared, and this company is harassing me. They are not following any consumer laws.
|
| 10/05/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On Monday XX/XX/XXXX around XXXX EST someone called me and began asking me questions about my personal information. I didn't know what company he was from and when I asked why he was asking these questions he stated this is about a debt to Check n Go, they are going to sue me and garnish my wages and that his job was to collect {$700.00} from me. I asked what company as I didn't remember dealing with Check n Go he said it was for a loan in XXXX. I asked for a phone number of the company and he said to XXXX their number because he couldn't give it to me. He then said if I don't contact him in 48 hours they will file a lawsuit and then garnish my wages, told me that Check n Go knows my employer and said they will contact my employer for the wage garnishment. I told him again I don't remember this company, I've never gotten a written notice as I don't live in the state of California and I've never gotten an email or anything stating this. I hung up after as I wanted to try and validate the debt. Searched online and found no working numbers. Called the company back talked to someone else who never gave me his name and the guy gave me the phone number. Called Check n go and they said I owed a debt for {$250.00} not {$700.00} from XXXX and I asked if I could verify the loan but check n go stated that I'd have to call XXXX XXXX XXXX at XXXX. I XXXX that company and filed a XXXX complaint. I would like a validation letter with my original signature along with the amount I owe nothing was offered when. I questioned the debt and the first guy I spoke with just kept threatening me so I do not feel comfortable calling them again.
|
| 08/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I just started receiving 2 to 3 calls a day from XXXX about a debt I supposedly owe from a pay day loan. The only information he gave me, after I verified my identity, was the name of the lender and the amount I took out - Check 'N Go. I asked if they could send me some documentation so I can verify the debt and the man refused - it seems like he was intentionally being vague and confusing and only said that he had to mark me as refusing to pay, and that I could contact the pay day loan lender myself.
I called Check N Go and they have no record of my name or social # in their system, plus their offices in my state of TN are all closed so I don't know that the debt would even be valid. They advised me to just call the debt collector back.
I called XXXX back and told the same man that and again asked if he could send me any information on the debt and he refused- he said 'they were reaching the statue of limitations and would take legal action ' and he had to mark me as refusing to pay.
I told him I wasn't refusing, but I needed SOME, any piece of information to validate the debt. He did not even give me an account number. He spoke very harshly and fast and hung up on me after saying again that they would pursue legal action.
The first phone call I received from them was in the month of XX/XX/2023 - today is XX/XX/XXXX. He said they mailed me documentation which is not true ; I have received NO paperwork on this. My phone number hasn't changed in 15 years and my address has not changed in 3 years.
I am terrified to call them back and end up speaking with the same person because he will not give me any information.
|
| 12/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
My issue was well explained in my complaint report along with supporting documents attached that was first addressed to the Federal Trade Commission and later was referred to your office on XX/XX/XXXX which now have an assigned Case Ref. No. XXXX ( XXXX XXXX XXXX ).
The result ( s ) of that investigation did not seem to fix the problem as relayed by a cfpb representative thru telephone on XX/XX/XXXX because of a reply stating thereon that the derogatory report on my credit record will remain until after 7 years. A hard copy of that result will be mailed for my reference and record but unfortunately, that copy hasn't been received to this date for my official response.
In this connection, I would like to request the Consumer Financial Protection Bureau to please go over with the attachments, specifically on the matter about payments made for on my behalf by XXXX ( XXXX XXXX XXXX XXXX XXXX ), a Debt Consolidation company that showed XXXX XXXX XXXX or XXXX/XXXX had been receiving regular payments without let up since from XX/XX/XXXX till XX/XX/XXXX, and therefore, Charge-Off report by the said creditor is off the question.
A Charge-Off account means a declaration by a creditor ( usually a credit card account ) that an amount of debt is unlikely to be collected. This occurs when a consumer becomes severely delinquent on a debt. Traditionally, creditors will make this declaration at the point of 6 months without payment. Based on this statement, does it apply to my case?
In this regard, XXXX XXXX XXXX/XXXX/XXXX has committed unfair, deceptive, or abusive acts or practices that have greatly impacted my credibility.
|
| 06/17/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Beginning on XX/XX/XXXX, I started receiving calls from a company, XXXX XXXX, who indicated that they were calling to collect on a debt that I owed with Check n ' Go from XXXX ; 4 years ago. I explained to them that I never took out a loan. The address that they had for me was incorrect. I explained to them that I would need to file a stolen identification complaint with the government, as well as contact all of the three credit reporting agencies, which would take some time. However, I told them that I would pay the loan but that I would need to take a loan out of my 401k. I explained to her that it would take 10-14 days to complete this task. She repeatedly called me every day and began harassing me at work. She even contacted my human resource manager today XXXX XX/XX/XXXX XXXX that said that they were garnishing my wages. I have never been served with any correspondence, lawsuit, or emails, which they state they have forwarded to me. I received confirmation from my 401k company that the check was mailed to me on XX/XX/XXXX. However, they continued to harass me at work, calling several times a day and threatened to " come to my employer and take action. '' This occurred every day beginning XX/XX/XXXX. I attempted to contact them again today, XX/XX/XXXX, to make arrangements. On today 's date, XX/XX/XXXX, I told them that I would pay the debt, but would need something in writing before I did that. They told me that they verified my employment and they did not need to speak to me anymore and hung up the phone. The same person continued to call on a daily basis, but was calling from a different number every time.
|
| 11/03/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received phone call today XX/XX/XXXX from XXXX XXXX stating they are litigation office and trying to resolve a debt that I took out with Allied Cash Advance back on XX/XX/XXXX or XX/XX/XXXX I received two different dates from two different people. I don't recall this payday loan and plus I never received a letter in the mail. They called me from a local number XXXX. My Reference # is XXXX. The first call the lady was rude stating they are going to take me to court if not paid, then hung up on me once I said I don't recall this loan. I called back and spoke to a XXXX XXXX XXXX. They knew all my information and plus I confirmed it over the phone. I told him I never received a letter in the mail he stated they mailed it out on XX/XX/XXXX, in which I told them I never received because I go through ever piece of mail. I also stated that I was not going to make a payment over the phone if I don't know who exactly I'm talking to. He asked for my email address and said he would email me the letter through XXXX He also could not confirm where I took this loan out. I feel this is a SCAM. I called Allied Cash Advance corporate number XXXX, they confirmed that I was never in there system. I fell this is a fraudulent call and I would like it to be alerted plus I don't want no negative action on my credit report.I looked up this company 's name on the internet and all I'm reading is that it's a SCAM don't give them your money. I'm willing to pay my debt if this is legitimate. I'm trying to build my credit at this time and don't want no fraudulent activity. Please help me detect if this is real company or not?
|
| 10/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This company is in violation of the consumer law. My personal information was sold in illegally used bye a third party. According to the consumer law, you are in violation. Code 15 usc 1692j states It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
|
| 07/11/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
I received a voice mail from a case investigator XXXX out of XXXX county stating he received an affidavid or documents that he believed to support an order for me to appear in XXXX County Superior Court for investigation of check fraund and that I needed to contact him to sign some paperwork. The investigator did leave a number which I called and inquired to find out why I was being called for an alleged check fraud and could they give me some answers. I spoke with a woman by the name of XXXX or XXXX at ex. XXXX. She did n't have all of my information right but did have my email and some personal information ( mother 's first name, brother 's phone, etc ) I then gave her the last XXXX digits of my social security # to see if I could get more answers but little did I know I was then giving an ultimatium of paying {$1000.00} to a lawyer of some kind or go to court and pay over {$3000.00}. I asked if she could send me a copy of any document showing my name or signature on a payday advance loan. I received an email which I had forwarded to a friend who did some research and found out that the number attached to the email had been flagged for potential scam artist. So, I then called the XXXX Police Dept. to find out if I had any warrants out for my arrest which came back negative. When I told the XXXX why I was calling to find out about the warrent he told me to contact the local FBI and report a possible scam being done. Unfortunately, I do not have the name of the lawyer that I was apparently going to pay off, but I do have a copy of the letter that the rep sent me via email which I will attach.
|
| 10/21/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
XX/XX/2019 Call to refinance on a personal loan. Requested a balance {$16.00}??.??. Payment pulled out but not subtraction d from my loan balance.
XX/XX/2019 Called to see if loan payment pulled by their bank applied. No.
XX/XX/2019 Called payment still not applied. Clerk tells me to call on the wednesday the XXXX.
XX/XX/2019 Call loan has cleared. Now all I need is a account summary of my bank account showing positive balance. Go into the store show account summery. Clerk tells me okay to refinance the personal loan. Sign papers to refinance back to {$2500.00}. Receive a check for {$790.00}.
XX/XX/2019 The night before it comes to my attention I was expecting a check in the amount of {$990.00} or {$1000.00}. Realize my check is $ XXXX- {$300.00} short. So I call well the balance only lian had grown to {$17.00}??.??. Because it took 14 days 2 weeks to post to my loan.
I lost, interest, and finance charges it happens again in XXXX. I make payments of {$320.00} out of that payment my prinicipal should lower by {$140.00}. Instead it is increasing by double that.
I start my complaint on XXXX XXXX. Their response on XXXX XXXX is that it usually takes a couple of weeks to clear. And if they were to refund me it would make the contract if the lian null and void. That they are sorry.
My theory is someone in corporate office is holding on to the payment and gaining interest on that money. This is not fair since it is their bank pulling the payment. How could it the 2 weeks.
Can you help me to get a refund of {$200.00} for each month that the payment is not applied within a reasonable time?
|
| 09/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I 've been calling for the last couple of months in regards to the XXXX breach. I 've been calling last week to no availability in regards to the XXXX breach. I 've been disputing for months about these collections and inquiries. I have sent dispute letters along with updating my address and employer. I asked for validation from creditors they sent copies of a bill with a totally different social security number. XXXX XXXX XXXX is one of them. I have called several times they have the last 4 of the ssn as XXXX where else mine is XXXX. I have several unauthorized inquires from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. Charged off accounts that I have already paid the beginning of this year and have asked to be deleted since I have paid them that are still showing up negatively on my credit report. I have paid my XXXX medical bill for XXXX, XXXX XXXX credit card that was sent to XXXX XXXX, my XXXX XXXX credit card, XXXX ( XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX. I have accounts that I have disputed several times on all credit reports along with the social security number XXXX that is not mine along with accounts that I was n't aware I owed XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have sent validation letters to all 5 companies needing proof that these debts are mine. I have yet to hear anything back I 've also sent this in the beginning of the year. I demanded to see verifiable proof with my signature on file for those accounts. Under the FCRA unverified accounts must be removed if unable to provide me with an copy. I have n't received a copy yet.
|
| 09/20/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
Servicemember |
|
XX/XX/XXXX received unavailable call so answered that was my food deliver a man ask you XXXX XXXX and said who calling haven't used that name in over 25 years then he went on stated a summon for appearance in XXXX County courts but he was a mediator his name was XXXX XXXX and as mediator I needed to call XXXX and give complaint XXXX called got a lady ask if check n go she said yes and gave her complaint number she stated we are walking into XXXX County courthouse on fraudulent checks etc. I said what you talking about I been a victim of identity theft last five to seven years so what is this now? She said it you and went in your checking told her no my checking two of them was identified with identify theft and watch your accusing if I owe I pay. Then she never gave memorandum this is a debt any and all information obtained will be used for that purpose so it didnt seem right this call and they call me after finishing my school work for XXXX XXXX XXXX was tired a little. I then proceeded to call Ohio and ask for financial serive and collection department she ask for last 4 of my social I gave as she was gon na check see if I had anything she said this is attempt to collect a debt ma'am XXXX we had a outstanding balance but we sold that debt to XXXX XXXX XXXX XXXX and for these threatening callers had my maiden name and married these were collectors not following the third party Federal Trade Laws no threstening customers they bad debt collector using force with this company and they bought this debt now for upsetting me and scaring a elder XXXX lady with police and court etc.
|
| 09/07/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I took a check and go loan out several years ago and was not able to repay. Around XXXX - XXXX I got to a point in my life where I was able to repay it.
Fast forward to today. My mother received a call from someone claiming to be from XXXX XXXX Ohio courts, according to my mom, and asking for my information stating they are trying to serve me. She refused and forwarded me their info. I called in a panic believing they were with the courthouse. I do not live in that county.
I called the phone number my mother gave me XXXX, and spoke with a different rep who advised me I had a debt from check and go for an unspecified amount, they would not specify the date, but said it was years ago. I advise I already paid this last year. They said they were trying to serve me to sue me in court over 3 allegations of unpaid debts. They wouldnt give me a real company name, the name I received was National. I assume they used this name to confuse people into thinking they are a government entity. They kept hanging up on me when I told them it was already paid and they will have to take me to court. I will be calling back tomorrow to get an address. I verified on my latest credit report I have a collection that was paid around XXXX of XXXX.
There has been no contact by mail no notification of debt owed prior to this conversation. They jumped the gun and threatened with suing me without correct process of sending me some notification of attempt to collect debt. As well they have no business telling me mother theyre trying to serve me. They are trying to scare not only me but my family.
|
| 08/30/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
Servicemember |
|
The Representative - XXXX XXXX for XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX repeatedly contacted me earlier today with regard to collecting an outstanding Payday loan that had been referred to his office for collections. He left several voicemails on my cell phone while I was at work with him laughing stating " I win '' and singing " it 's a lonely world '' XXXX XXXX repeatedly called me " XXXX '' and " terrible person '' who " does n't deserve to walk the face of this earth '' and demeaned my level of education although I have a XXXX XXXX XXXX from a very reputable university. He proceeded to threaten to expose private confidential personal information to my employer which is wholly illegal. He even went so far to attempt to demean me by asking if I visited my mother in jail, she is n't and has never been incarcerated and even if she was, this is beyond acceptable conduct.
He threatened criminal charges would be filed against me and that my assets would be seized if I did not provide him my credit card information immediately. Furthermore, XXXX XXXX refused to allow me to speak with his supervisor or another representative as his level of harassment was well beyond anything that I have experienced before.
The conduct of this company has been well documented by multiple parties other than myself and was substantiated by another representative whom I speak with who also stated " I do n't like him either because of the way he treats people. '' It is absolutely unfair to the consumer to endure such harassment and defamation because of {$400.00}.
|
| 12/19/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
This is the second loan i have had with this company and in both cases i have not been able to get in touch with them. I have access to the website to view loan details, but I do not have the ability to pay off my loan. I received an email reminder this morning about my upcoming payment date of XX/XX/XXXX, but that i could make a payment by phone today if i wanted. They open for phone customer service at XXXX est, however, i called at XXXX this XXXX and their call center wasnt open yet. I waited a few minutes to call back and finally got the voice response system. I went through all of the prompts to make a payment on an existing loan with a debit card and to locate my loan using zip code, date of birth and last 4 of my SSN. Record found - voice system said it was transferring me to a representative to take my payment, instead it just goes back to the intake for the voice response system to start all over. It also advises that at any time you can press zero for a representative. I have, it goes back to the voice response intake menu. It is impossible to get a person. I have even called the local office for assistance, but because i did my loan online, they cant pull up my information to help me. The store Rep gave me another number to try, which i did, same thing as above. There is no way to get in touch with a person and to manage your account if you did your loan online. The first time around I gave them the benefit of the doubt that they could be experiencing technical issues, but these events are now months apart and this same run around is still happening.
|
| 03/19/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I have two issues with Check N Go. First, I called initially to ask about the application process. I was told that they only do " soft pulls '' that do not effect your credit. I went ahead and applied for payday loans that have been successfully paid in full. I had an incident where my dog suffered trauma and needed emergency care. I applied for financing with the veterinarian for this and was denied due to a failing credit score. I was under the impression that previous efforts to raise my credit was working but came to find out that my score had suffered due to the multiple inquiries from the payday loans. I was not approved for financing for my dog and had to turn to Check N Go for funds for my dogs XXXX and care. I now am in a situation where they are requiring payments of {$660.00}. for 11 months for a total amount of {$7200.00} on a loan amount of {$2700.00}. with an APR 219 %. I feel that I was placed in this position due to the company falsely informing me of their application processes that effected my credit. I had no choice but to request funds and want to pay back the amount that I borrowed but feel that the excessive interest rate is above and beyond what is fair. It is taking a toll on my monthly finances and am finding it extremely stressful and feel that my mental and physical health is beginning to suffer just thinking about the repercussions of not paying back as they are requiring. I feel trapped and that I am falling behind already and I have many more months of this payment ahead of me. Please help.
Sincerely, XXXX XXXX
|
| 12/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
This company pulled a hard inquiry on my XXXX, XXXX and XXXX consumer report without my permissible purpose. According to the FCRA 15 USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. This company has none of these documents or written instructions from me authorizing them to pull my report. I did not authorize this inquiry. The law states 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I did not authorize this inquiry
|
| 10/02/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
In XX/XX/XXXX, I took out a payday loan with CheckNGo, I had XXXX payments at {$260.00}, I received an email from them in XX/XX/XXXX, indicating my final payment would be due XX/XX/XXXX in the amount of {$250.00} ( see attached email ) From : Date : XX/XX/XXXX, XXXX XXXXTo : Subject : Final Payment_DuePlease do not respond to this email. To discuss your account please call XXXX or email us at XXXXXXXXThis is a reminder that your final installment payment is due on XX/XX/XXXX, in the amount of {$250.00}. The payment amount will be debited from your checking account on XX/XX/XXXX.
In order to keep your account current, please be sure to have funds available.This electronic message and all content herein may contain confidential information. This information is intended for the addressee only. If you are not the addressee, or have received this e-mail in error, any disclosure, copy, distribution or use of the contents of this e-mail is strictly prohibited. If you have received this message in error, please notify the sender immediately by e-mail and delete the original message and all copies. Thank you. I am getting consistent calls stating I owe {$23.00} and some change. the young lady said it is daily interest. I called in XX/XX/XXXX for a balance and payoff for XX/XX/XXXX, and nothing was ever indicated about daily interest, nor the email attached. I lived up to my responsibility when I borrowed {$2600.00} and paid back {$6700.00}. I dispute this amount and want to know what I can do to stop those calls.
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| 01/09/2016 |
Yes |
|
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|
Web |
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I am receiving threatening phone calls from a XXXX Number, XXXX, stating that i owe money for a default pay day loan from XX/XX/XXXX. Check N Go is the company. The man, who has a bad XXXX accent, stated if i did not pay immediately i would be arrested and charged with XXXX different things. I asked for a verification of debt letter which is what Check N Go collections told me to do, he refused and got angry. Told me i had to pay at a XXXX XXXX store which i found odd. I asked why i have never received anything prior to this in almost 6 years and he said they sent me 2 letters but no one was there to receive it. Wouldnt they leave a note saying a certified letter was trying to be delivered? I have never received anything. I spoke with them on XX/XX/XXXX, when it started, on XX/XX/XXXX asking for the verification letter, which he said he would email and never did, and tried to call on XX/XX/XXXX and XX/XX/XXXX with no one answering.
Check N Go stated i do have a debt but collection agency they sold it to is out of business so they cant help with who i actually owe. I will gladly pay any debt i have, but this guy and place seem like a scam. I dont want to give my money to someone who wont verify who they are. XXXX says their number is an IRS scam snd when i told him this, he got angry. I need to know what to do.
I have the threatening email, screenshots of dates and times i called, and the email i sent in reply asking for more information. Which they never responded to.
|
| 08/06/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
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To Whom It May Concern, May I please request you help. I borrowed through an installment loan company known as CHECK N GO, {$5000.00} I have now paid the company ( 7 ) payments that all were applied to their high interest totaling {$3500.00}. I contacted the local office located in XXXX XXXX WI and the pay-off amount is another {$5000.00} ( + ) to end the loan! I have contacted customer support for this company asking for their assistance in accepting a hardship pay-off. They have told me to date I have another ( 14 ) more payments due and the only way to end this loan early is to let the loan go into a 90 day old late status. The loan then is moved from the local store to the corporate office for collection status. I contacted all three credit bureaus and the company is consistently reporting the balance late, therefore destroying my credit. This should be considered illegal banking practices and this company along with others should be closed. It is pure thievery. All i am asking is to pay-off the loan for a reasonable sum in one solid payment. To be made to wait 90 days for my credit to be destroyed makes no sense. I have acted honorably I would ask this company the same. The local office is of no help they will not consider a lesser amount to close the loan, threatening higher interest daily. This seems so unethical in todays checks and balances world. This loan is seven months old. All I ask is for the company to reevaluate the loan and offer a settlement amount.
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| 04/13/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
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Web |
Older American |
|
I NEVER GOT the money. i cancelled it in XXXX XXXX and in XXXX. that XXXX XXXX office knows i did not get the money. THEY ought to be ashamed with their answer. outright stealing ( there is crooked person involved ). so i spent the time to contact the bank. here is the transactions at the bank. it was double deposited because of error with the teller at the driverthrough.
I HAD THIS IN A NICE CHART FORM shows two dep, two returns on XXXX XXXX cust deposit ( i had told the lady that photo didnt show up yet so I gave her the check ) on XXXX XXXX my photo deposit on XXXX - XXXX " returned '' on XXXX - XXXX dep return item AS YOU can SEE I did NOT get the Cash - both returned!!
the XXXX XXXX office knows I cancelled the transaction. i told XXXX XXXX XXXX too. I told them and wrote to them that I dont want an account. I never had access to the money. XXXX said they SENT me a check to my mailbox, which is like trhowing it in the air. because my it is on the road 1/4 mile from my house and is not monitored, and a hill between, although putting a camera in ) I never received the money!!
they ruined my credit just when i was getting a new mortgage refinance so they cost me a bundle they should pay {$1000.00} for their KNOWING fraud, THEY never should have sent me a check XXXX XXXX. if that is what they did. I told them they need to see if whatever check they sent XXXX XXXX was Cashed! they didnt even look. THEYMUST REVERSE their MASSIVE interest as I never got the money!!
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| 11/16/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American, Servicemember |
|
I initially started doing business with XXXX XXXX XXXX in XXXX of XXXX, and at that time i was prequalified for up to $ 1500-00 cash.
I continued to do business up until XXXX of XXXX, at which time this merchant was paid in full.
At the time I closed the loan I was not informed that there was possible changes of lending policies at that time in the future or fine print. I thought I was paid in full.
I recently recieved forwarded mail from them on the XXXX XX/XX/XXXX, from this entity that I would be charged a {$180.00} " maintenance fee '' for having an available open credit line, on XXXX XXXX.
I called to protest, and told them " how could it be so, I paid you in full? '' The CSR told me that as of XXXX the XXXX, if by then you did'nt OPT-OUT that it would be too late to do so. She expressed her apologies and then told me that there was nothing she could possibly do. I recieved this response from 3 different CSR 's I told her that I would call all the consumer support agencies that I could, because it was unfair. She conceded with me, and reiterated that there was nothing she can do.
She then told me that if i wanted to " OPT-OUT '' I would have to pay the fee of {$180.00} first only then i would be able to close my account.
This to me folks is " consumer extortion '' at the least and the new way these types of entities harass consumers. Mr. XXXX XXXX is the President of this financial group, they are : T/A AXCESS financial, out of XXXX XXXX XXXX XXXX XXXX/XXXX.
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| 01/24/2018 |
No |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
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My name is XXXX I am having a considerable amount of issues with XXXX XXXX XXXX when I called to inquire about loan they said what to bring and where I arrived at the office and was taken care of by a trainee who wasnt quite sure how to do everything XXXX the manager I believe was there but as uninformatice as the other lying to me that this was in fact a title loan if approved I would get a XXXX card which I was not approved so they gave me a paper check which it took me over an hour calling places due to the check looking fraudulent they told me my payments each month which I made on time and then I find out that Ll I have paid went to nothing on my loan this is a scam fraudulent to prey on people who need the money I am dealing with XXXX and didnt need to be frauded lied to or deceived and believe that they need to be represmaded for this it is inexcusable to put less fortunate in this position as I never would have taken the funds had I known this was an interest only loan I then requested to change date as it interferes with my rent I am on XXXX only and not married my roof over my head comes first but they refused to accommodate my need to change the date by one week I spoke with many people working for this company and a different story always in 2 days my pay off went from XXXX to XXXX and each payment made increases the loan I am sick over this mainly due to being lied to and scammed into accepting something I should have never received due to my status
|
| 09/27/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Pawn loan
|
- Received a loan you didn't apply for
|
|
Web |
Older American, Servicemember |
|
I co-signed on a title loan with my nice and began making payments on a {$2500.00} loan. I am an XXXX XXXX veteran he finds himself in the hospital regularly. I took the loan out so that my niece who has my primary caregiver and I could relocate to a different area. I spent the first two and a half months in our new home in and out of the hospital. When things finally settle down I noticed a charge on my bank statement that I was unfamiliar with. It might have gone unnoticed by my niece because she was not familiar with my bank statement nor was she responsible. But automatic deduction for the car payment on my statement and right next to it was another electronic cash check for the same amount and if you were not really paying attention you would just think it was the same charge. you wouldn't realize that it was two separate charges. I immediately contacted my bank and attempted to contact the company that claims that I have a loan. They are check n go I also contacted fast auto loans where I actually did take a loan out so verify that that was not a sister company or parent company and that they were mistakenly double charging me and I was able to verify that they are not affiliated with that company at all. My bank, XXXX XXXX, found it to be fraud. But only reimbursed me 2 payments.I was in and out of the hospital for 12 weeks. My focus was on living. I am on a fixed income and I could really appreciate my money back. They stole it from me. Please help me
|
| 04/15/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
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There is a company called XXXX XXXX XXXX their number is XXXX ext XXXX and fax XXXX. This scam company acquired my mobile number and work number. A woman by the name of XXXX XXXX called claiming that I owed a pay day loan back in 2009 for Check N Go. I dealt with the original creditor Check N Go and cleared my name and identity due to Identity Theft. The original creditor was sent a Police Report & validation letter that was notarized and a letter from my attorney at the time. XXXX XXXX XXXXf XXXX XXXX XXXX XXXX read off the last XXXX digits of a social security number that IS N'T mine. She started to read a current address that was obtained only 1 1/2 yrs ago as well as phone number obtained only XXXX XXXX ago. She said she found my information through a system called XXXX XXXX. I told her I have been a victim of Identity Theft and I have an attorney. She then put me on hold to speak to their Identity Theft Department. A gentlemen by the name of XXXX XXXX came on the line. He then started to prob me, I told him I am late and I do not have time to revisit the same material as I did with XXXX XXXX. He gave me a fax number to send my information too. I also never received a letter from the original creditor nor did I receive a letter from their company XXXX XXXX XXXX XXXX of proof of debt validation. There were no documents involved, just messages left at my place of business and mobile, along with harassing and probing communications.
|
| 12/11/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
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Tonight I called XXXX XXXX XXXX and attempted to pay off the remainder of my loan.
I was told I can not pay it off for another 14 days till proof of my last payment ( posted XX/XX/XXXX ) shows in your system.
I borrowed a total of {$2500.00} on XX/XX/2018 at an interest rate of 251.70 % To date, I have paid a total of {$3700.00} to XXXX XXXX XXXX for the borrowed amount. That is {$1100.00} in interest already paid.
I was told tonight my payoff amount would be {$2100.00}, but I would be unable to make the payment till the end of the month per your system.
That means another {$520.00} in interest will be charged before I can pay off my account.
By that time, a total of {$4200.00} will have been paid. With the " payoff '' amount offered tonight, the total would be {$6300.00}.
This is extremely insulting, unprofessional, and predatory. I just lost a huge part of my wages as my work has been greatly scaled back and I am in a very bad financial position. I was hoping to pay off the account early with some money I was able to save. Unfortunately XXXX XXXX XXXX is holding me hostage in order to collect two more payments of interest before I can pay off my loan.
It is evident that the plan of action here all along is to string me along till the end of XXXX.
It is extremely unfair to me. I have already paid XXXX XXXX XXXX {$1100.00} in interest since XXXX and I cant payoff the loan till more interest payments have been made.
|
| 04/09/2015 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
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Contacted me at my work place on XXXX/XXXX/2015 at XXXX and I told them that I could n't speak due to me being at work and that I would contact them when I was XXXX to speak on the phone. I get a phone call from my brother at XXXX am telling me that he just got off the phone with the debt collelctor and that they disclosed who they where, what compant they work for, and that they where looking for me to try and collect on a debt that is owed and by what company the debt was for. They asked if he knew of away to contact me and that if he could pass a message along to me as well. I called them back at XXXX am asking why they disclosed confidental information to my brother and why did they contact me at my place of work. They told me that since they are collecting a debt that they can contact whoever they need to. I asked them to please not contact me at my place of work anymore becasue my manager has a problem with it and I got written up at my job because of there call. She told me that it was n't her problem and would n't explain to me where in the FDCPA that it says thats acceptable. She got very rude and nasty started to shout at me before hanging up in my face. Before she hung up on me she told me that collection methods would pressme the way that they have been doiong them and that if I did n't call them back by XXXX eastern time today that they where going to send my file to my local state office for writing a bad check.
|
| 05/01/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
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At approximately XXXX XXXX on XXXX / XXXX / XXXX , XXXX XXXX contacted my cell phone and left a detailed message stating that they are legal notification and they would contact my supervisor. " This is legal notification intended for XXXX XXXX . I 'm contacting you today in reference to your case through XXXX XXXX XXXX . I 'd like to make you aware once your case is filed through the court it will become a matter of public record and there will be an order issued to have you located. Unfortunately, I was n't able to reach you by phone today and I have been instructed to contact your direct supervisor or human resource manager at your place of employment. you do have the right to contact the filing party prior to any further legal proceedings however once you 're located all legal rights to your case will be forfeited. That number to contact prior to your location is XXXX refer to file number XXXX . XXXX XXXX , you have been legally notified. '' This message was left on my phone and also my mothers phone and my childrens phones as well. I contacted the number and was ridiculed by staff member. They refused to remove the other phone numbers. Laughed at me for taking a payday loan. Proceeded to ask me ... just how old are you? I indicated that I could start a payment in XXXX ( 30 days ) and was told that was too long.
I requested a letter be sent to my home but they would n't do that either.
|
| 05/04/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
Some combination of the entities known as XXXX, Check n Go, and XXXX XXXX XXXX issued a loan in my name and XXXX began sending bills to my email. I had not applied for the loan, and received no notification of it until the bills began arriving. When I tried to figure out what had happened, I could not reach XXXX at the telephone number provided, only " Check n Go. 'XXXX After hours on the phone with multiple departments, no one at Check n Go ( which has an unclear relation with XXXX and XXXX XXXX XXXX ) could tell me the loan number or the amount. I was eventually told that it was a payday loan made in XXXX and neither the date of birth nor the social security number matched mine. Still, since I could only take their word for it and had received more than one bill in my name and to my email, I submitted a fraud report. The following week I received a call back from a man who identified himself as a supervisor with XXXX but did not seem to have the information in the fraud report. After I explained, he said he would remove my email but refused to provide any confirmation beyond his word, or any other proof that this error would be rectified, and then hung up on me. I subsequently received an email saying my email had been removed from their system. I am submitting this description because I want to inform others who may have the same time-consuming problem due to lack of basic verification by these dubious companies.
|
| 10/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
In XX/XX/2021, I noticed that XXXX was show showing a repeated charge off that manipulated statute of limitations regarding XXXX/CNGO Acct # XXXX. I asked XXXX and XXXX/CNGO to investigate and delete as it was reporting inaccurately. Both entities claimed verified with XXXX fraudulently claiming they do not have the power to remove the account. I then asked for MOV that was ignored by both entities. Then I asked XXXX/CNGO to prove they were reporting correctly. They could not do so. In fact, all they sent me was an unsigned contract which is not proper verification/validation of a debt.
However, both XXXX and XXXX/CNGO both claim this account is reporting accurate and refuse the delete this inaccurate and unverifiable account. Which is a violation of my consumer rights and an FCRA violation.
Furthermore, it is blatantly illegal to report a charge off for 5 months in a row then report nothing for 12 months to then remark 'N ' two to three years later. This is clear manipulation of statute of limitations and the inability to properly validate/verify debt with a signed contract with my signature allows me to seek monetary compensation for violation of my consumer rights. I demand that the account be deleted in full or to be compensated to the amount of {$1000.00}. I have been asking that this be resolved for the past 6 months, Per the FCRA I am entitled to monetary compensation for violation of my consumer rights.
|
| 11/02/2017 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
Had taken out a payday loan/installment loan on the Check N Go location on XXXX XXXX XXXX location in XXXX IL. I had to ended up filing Bankruptcy on the loan some years after ( payments were made on the loan ) due to loss of job and change of income and relocation and excessive debt. I contacted the XXXX hotline to inquire if any payday loans had been taken out without my persmisson and system stated/representative informed me that the loan was not closed out under my bankruptcy protection. I have the creditor listed under my Chapter XXXX bankruptcy which was filed and discharged back in 2015. I recently went into the location of lender and was informed that they were not able to give me any paperwork stating that the loan was taken out or anything showing the balance in which I had taken the loan out. I needed something from the location of the store so I could have something to show that I had indeed had the loan and that it needed to be closed out. I called the customer service number in which I was given and was informed that I do not believe was a valid department for the lender. I need to make sure that the account is closed out or given something that shows the account number so I have it updated that it was closed/marked under my bankruptcy. When I asked the store associate for information. The associate informed me that they were not able to give me any information and to call customer service.
|
| 08/14/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with cash advance
|
|
Web |
|
|
For the last month, I have been receiving threatening phone calls and text messages saying that I was seen cashing a check on video surveillance cashing a check at Check N Go. The person said they were a attorney office, and then verified my social security number. When I objected that I had not written any check to Check N Go or cashed a check at their store, the person on the phone became aggressive and called me a liar. I asked for her company name and address, and she began to tell me that I was going to be prosecuted ( XX/XX/XXXX ). ON XX/XX/XXXX, I received a test message from the following number XXXX with the following message " Ceck N Go/Hot Check Division your pending legal action. Please call XXXX to pay immediately you may be placed on Texas bad check warrant roundup list. '' I replied in a response text " I have never written a check to Check N Go. Clearly this is a mistake and or identity theft or someone is frequently framing me. I am filing a police report regarding this matter immediately. They refuse to specify the amount.
I would like to have this matter investigated because I have received no written correspondence about this matter to my home or mailing address, and have not done business with this merchant. I do not even have checks, and I am tried receiving these threatening calls and text messages about this matter. Please investigate Check N GO and this matter in my behalf.
|
| 03/05/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
On Friday XX/XX/XXXX, I received a call from XXXX at XXXX. I was told they are collecting on an old bill from XXXX XXXX XXXX. They said I owed {$1600.00} from a past bill. I told them I filed bankruptcy and all has been XXXX. XXXX proceeds to tell me that they do not accept bankruptcy settlements and I would still have to pay. {$800.00} to {$900.00} for a settlement was offered. I told him that I would have to talk to my lawyer. XXXX XXXX, XXXX.
Then on Monday XX/XX/XXXX, I received several calls from a 'XXXX ' a processor claiming that I will be garnished and served at my place of employment. Each time I would call them back, I got her voice mail. And then finally, the last time I called, I was told by the legal department that I was not to call them back again.
I got the following information about them.
phone - XXXX address - XXXX XXXX XXXX XXXX, CT XXXX and I received this information from Mr. XXXX yesterday XXXX XXXX XX/XX/XXXX, XXXX XXXX ( 15 hours ago ) to me XXXX / XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - 19 posts - 18 authors They say they are going to garnish funds for a title loan never took out and take us to court for wiring fraud No clue what is up if they are a scam ...
XXXX / XXXX 10 posts XX/XX/XXXX XXXX / XXXX 20 posts XX/XX/XXXX More results from XXXX XXXX : I XXXX the number.
and the company that started it all was XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX, VA XXXX
|
| 10/05/2016 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
Servicemember |
|
XXXX, CA. I was contact on my phone with a basic threat about a payday loan stating that I had been officially notified. This call was from a woman, not XXXX XXXX. I then call the number to XXXX ( That is what he said the name of company was ) and spoke to a man named XXXX XXXX. His phone number is XXXX. He told me I owed a payday loan and said the amount owed is {$510.00}. He gave me a case number. On XX/XX/2016 they debited my account for {$85.00}. On XX/XX/2016 they tried to debit another {$85.00}. I then received a call from XXXX XXXX stating the charge was refused by my bank. He told me to call my bank to see what the problem was. When I contacted the bank they stated they do not debt any thing over {$50.00} to the state of New York because of all of the fraudulent things coming from there. When I returned XXXX XXXX call and told him what my bank stated he ten said " Well we will take out {$45.00} today XX/XX/2016 and {$40.00} on XX/XX/2016 ''. This makes 2 payments of {$85.00} that they have received. This leaves 4 more payments of XXXX which they will break down in 2 payments each. The thing that raised a red flag with me is that XXXX XXXX is in XXXX but their payment department is in XXXX. The fact that XXXX XXXX actually answers his own phone and does not go through a secretary, with this suppose to be a Law firm seems rather fishy to me. Please help me resolve this. Thank you. XX/XX/2016
|
| 11/06/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
After obtaining the loan I had issues arise that caused me to change bank accounts. I have not yet faxed ( as that is the required method per the customer service rep ) my new banking information in. Last month I called and set up a payment to be processed and at that time asked that for any collection activity on my account they do not contact me on my work number.
This morning I received a phone call from the collection department coming from the number XXXX XXXX XXXX XXXX XXXX on my work number. When speaking with them they stated that there were not any notes on the account indicating that I had asked for my work number not to be contacted, even though the last time I spoke with them they said they notated the account. At the start of the call they state that this is an attempt from a debt collector to collect a debt. This statement binds them to the FDCPA, which contacting me at work after I asked them not to is a violation.
A second issue has occurred as well. When I viewed my loan online to set up an arrangement for payment I am provided with a link to use. Using that link requires a creation of an account, which I went through the first process of. Within two hours of going through that process I began receiving spam emails, texts, and phone calls. A total of 6 calls on Monday and 6 calls on Tuesday. Either my information has been sold or there is a sever data breach on their website.
|
| 06/27/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I received a call on XXXX XXXX, XXXX at XXXX. I answer it and it 's a man by the name of XXXX XXXX claiming to be from XXXX XXXX mediation firm and has legal documents against me. I ask what they are for and he says its a pending check fraud case filled thru First bank of California in XXXX. He stated that I would be served legal documents at my place of residence or employer and if I didnt accept I would get failure to appear and could have an arrest warrant issued. I told him that I have never received anything in the mail about this debt and havent lived at the address he had on file since XXXX when my grandfather passed and the house was sold. He told me the employer on file and I havent been with them since XXXX. He claimed that with accumulated interest the amount is now at {$3100.00} but the loan amount was for {$1000.00}. This is the second time I have received a call like this but the first time is was from a XXXX XXXX through XXXX. He stated he had legal documents on me for check fraud. The amount was for {$1100.00} When I spoke with XXXX he had stated that if I could reach the amount of {$900.00} within 2 days then they might consider stopping the legal complaint. The payday loan company that is being said as the complaint is Check n Go and I have a contact of XXXX XXXX XXXX XXXX XXXX XXXX that holds the collection and its not for the amount that the above is claiming either.
|
| 10/17/2016 |
Yes |
|
- Applied for loan/did not receive money
|
|
Web |
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|
I told the employee of Checkngo that I wanted to pay off and take out the loan again. She took my money and said oh your on the cool off you have to wait 8days. I told her that was all of my money if I could n't take another loan why did n't I get to do the extended loan when you take the last loan and split it into 5 payments and she said I did n't ask. I spoke to the manager also and she said I should 've asked and they do n't know until the end of the process. I got the extension before and the employee looked at me like I should not have known about that. I feel the way they are acting like its a secret is because they are taught to not give this extension to customers by all means. I needed that extension because I 'm left with no money and I have XXXX kids to feed ; they need to be fined or something because the state of Indiana came up with them implementing this extension for a reason and they are trying to play on a customers responsibility saying they ca n't keep up with the numbers of loans and they do n't know until the end of a transaction. This happened Friday and they have n't contacted me yet and they really do n't have a resolution contact ; the manager and the other employees are friends so nothing will get resolved at that level. They just gave first names did n't want to give last names or employee numbers so I know they were trying to be slick. Please help me.
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| 08/27/2018 |
No |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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XX/XX/XXXX at XXXXXXXX i received a phone call from XXXX XXXX from XXXX XXXX XXXX saying they are calling to collect a debt of $ XXXX from a pay day loan i got back in XXXX. I asked them to send me paperwork something in writing and she replied that my opportunity for " discovery '' was over and she would send the police to my job and they were going to garnish my wages. I tried to explain that the debt was paid and i could prove it and again was threaten with send cops to my job. She also said she would be contacting my boss at that point I asked to speak with a supervisor and was told that i was speaking to the supervisor and she hang up. Same day at XXXXXXXX she called my job and told her there was no need to call my job she had already spoke with me and she yelled " ill just call corporate '' and hang up. I checked my past emails and the debt was completly paid besides {$15.00}. How does {$15.00} turn into {$4000.00}. When i called back to try to inform them of this i was immediately placed on hold for 30 minutes. Around XXXXXXXX same day my brother calls me informs me XXXX XXXX XXXX had just called him. Why would they call my brother when they had already spoke with me? I have tried to call this company and they must have caller ID because i call the phone picks up no one says everything and im placed on hold. Cant believe companies are allowed to behave like this.
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| 04/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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|
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks!
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, XXXX, BALANCE : XXXX, REPORTING ON : XXXX.
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : l XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX.
ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.
|
| 06/27/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I received a phone call from a lady this morning at XXXX XXXX- it was the number of our city building- she stated that she had tried to serve me at my XXXX address but couldn't get me so she was at the city clerks office in XXXX and was going to serve me at my work if I didn't call XXXX-XXXX-XXXX and give them ID # XXXX-XXXX. I called XXXX XXXX building and they said that no one was there to serve and they hadn't called me and she didn't know how they made it look like it was from XXXX of XXXX. She told me that they are going to turn me in for fraud for giving a bad check and they were going to my place of employment.
I called the XXXX number after speaking with the city- the lady there told me that they were XXXX and XXXX XXXX office and they were suing me today if I didn't make the payment. That I had committed fraud and that they would serve me. I told them I wanted written proof of the debt and she told me they wouldn't provide me with it and that I would be served and the paperwork would be in that. She told me that they will go to my job- I told her I do not work there anymore and she said they'll go there to verify and then they'll find out any job I go to in the next 6 months and will serve me there if I don't pay. She said I owed XXXX but with fees and the 300 % interest I now owe XXXX and if I didn't pay today they are serving me and my job.
|
| 09/02/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
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Im not sure how they received my information but these people pretended to be a loan office through Allied Cash Advance. I initially recieved an email saying I had been approved & & they called my phone on XX/XX/2021 where they Verified my loan application. On that afternoon I was told I needed to pay a security payment via XXXX Gift Card of {$170.00} & it would be refunded. After making the payment I was told that I would receive an email from the Texas Department of finance so it could be deposited into my bank account which I did but I had to pay a charge of {$350.00} that would be refunded once I received clearance. After waiting 2 hours I was told that my bank does not accept wire transfers which I confirmed they do not. So I had to pay the money gram fees of {$480.00} to receive my loan. So once paid I was told to wait for my reference code to be provided & once received it was incorrect & & the company was closed. So I called on Saturday morning & & was told that I need to pay an additional {$400.00} because they had to break the transfer into smaller increments. Once I refused to provide any more money they told me that I would have to a total of {$250.00} cancel the XXXX & & receive my refund via money gram! I have spoken with XXXX & & the told me to go ahead & & file my report because I was scammed not once but twice by two different companies
|
| 09/19/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
I applied for a payday loan online. I had to provide my personal information, including my bank routing and account number. Then, I was approved for {$250.00} and given the terms of the loan.
I was then prompted to enter my bank login credentials. I hesitated due to privacy reasons. Then, I reasoned that my credit had been pulled and I was approved, so I may as well continue. After entering my bank login credentials, another screen popped up and stated that my application was denied.
I immediately became concern that this was a scam. I proceeded to change my password with my banking institution. I then called Check N Go 's 800 number. I spoke with XXXX ( XXXX ). XXXX informed me that he did not see my application online. He also said that the company doesn't work with certain banks. I asked for the legal department and he transferred me to a supervisor ( XXXX ).
XXXX informed me that it was policy for customers to be verified that way. However, when I read the disclaimers online, there was no mention of this type of verification. I would have rather uploaded a bank statement. Also, I would not have proceeded with the transaction. I feel this was misleading and fraudulent.
Finally, I received an alert from my credit monitoring system showing that there was a new inquiry from 'Checkngo/XXXX. '' This conflicted with the statement made by XXXX.
|
| 02/20/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
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XXXX XXXX XXXX calls 10 times a day if not more they bug me over and over again and wont stop sometimes they just call and hang up other times they keep telling me over the phone calls will contuie and there is nothing i can do about it this is my cell phone and i do not want them to ever call it again this time i did get mad and i did sware but you have to undertand they dont stop and its getting old real fast i was on the phone with my mom and they called and it kept akeing this beeping sound becuase i would not ancwer it this has to stop they nearly made me homeless and as far as that goes im not going to pay anymore i as paying every month then i called and said i cant pay you this month or i would not be able to pay my rent or get food to get by they took it anyway in the form of a cheek that they never told me they could take and i nearly lost everything i lost my car could not pay for that my family did not have enugh food and had my family not steped in i would not have been able to pay rent they made my bank go negitive by XXXX dallers i lost half of my XXXX money if my family did not help i would be on the streeXXXX so i dont think i should pay them anything anymore lost the car could not feed my family and nearly went homeless THOSE PEOPLE ARE MONSTERS they do not care about anyone or who they hurt please help me to get them to stop
|
| 04/09/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
XX/XX/XXXX and every other day of the week ( weekdays Im contacted by this company saying. I owe over {$2300.00} for a loan that I got with XXXX XXXX XXXX. I mentioned in XXXX to XXXX XXXX XXXX that I may be out of work for some time tried to get a lower amount to possibly pay since husband was XXXX to XXXX instead of XXXX. Which has been hard to find a job. Ive recorded a few calls with this company on my sons cell phone they are very pushy stating I should try to get the funds from someone else. Which I have always done by myself and worked. I left my job of almost 4 years in XXXX and we are barley making ends meet. This loan was over {$140.00} every two weeks at my old job. I could afford it. Now the collections. Department is being very pushy calling me way early in the morning. Demanding pretty much that I pay. Theyll tell me to contact them when financial situation is better but then contacts me again from random numbers that I dont even know. This loan was received in XXXX from then until XXXX i paid over {$140.00} every two weeks now they are saying I owe over {$2300.00} for this loan in collections. Which I cant afford! I refuse. The lady XXXX never mentioned any type of fees with interest being added for the loan at all. I even asked for a payment to be pushed to the end. she said she couldnt Do it! When it was with XXXX XXXX XXXX
|
| 08/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received a text from Cornerstone Legal and I suspected fraud so I started looking reviews and I'm not the only person that this has happened to. Here 's a copy of the text sent to me ( XXXX XXXX XXXX ) For XXXX XXXX : Please reply STOP if you are not XXXX XXXX. Cornerstone Legal Group recently notified you by U.S. mail that there was legal action ( lawsuit ) pending against you due to your severely delinquent account originating with CHECK N GO. Please be advised that a lawsuit would result in a civil court judgment, subsequently resulting in a wage garnishment or property lien. A civil judgment would also be reported to the credit bureaus. After a recent case management review and due to the XXXX Pandemic, we are extending you an offer to settle your case out-of-court for a onetime payment of {$590.00}. This means that if you pay this onetime settlement payment, you will be released from any further obligation to this matter and you will have a XXXX balance on your account. In addition, any credit bureaus that this account has been reported to will be deleted upon receipt of your settlement payment. The deadline for this settlement to be paid is no later than on or before this Friday, XX/XX/XXXX, or this settlement offer will be revoked. You can make this settlement payment online at XXXX, or you can pay over the phone by calling XXXX.
|
| 06/15/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXXXXXX On XX/XX/23 XXXX I called XXXX ChecknGo customer feedback department. to request an adjustment to the bi-weekly payment. Obtained installment loan on XX/XX/23 for {$1500.00}. The terms are : twelve bi-weekly payments of {$270.00} I completed the first payment on XX/XX/23. XXXX XXXX branch phone number is : XXXX, I spoke with XXXX XXXX, store manager, She is the person whom I signed documents in person with.
The loan helped me pay off some debt but I am noticing that the bi-weekly payment is already causing a financial burden. I underestimated the payment plan and did not fully understand how much the interest is on each payment. The contract does not show each payment breakdown. The only method to lower the payment is to refinance. I would have to make an initial payment of 30 % towards the balance, which would be to {$450.00}, which I can not afford. My wife has major health concerns I need to address financially, hence one of the reasons why I asked for funding.
I can however afford {$120.00} bi-weekly. This will be less stressful and even allow me to make principle payments now and then when I obtain overtime from employer. but the {$270.00} bi-weekly is making it impossible to pay down principle to reduce interest fees.
If you can please assist me please. Thank you - XXXX XXXX XXXX www.checkngo.com
|
| 12/01/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Today XX/XX/XXXX I was contacted by XXXX XXXX from a XXXX and asked me my name I told them and they asked me my last four of my social I gave it to them he then got nasty with me and didnt tell me how much the debt was when I asked and told me I have to pay a loan back that I never took out I told him I never took out a payday loan Im on XXXX and he said from check n go in XXXX and that I used a XXXX XXXX account to do so I said I closed those accounts in XXXX so it wasnt me that took out the loan. He then said ok we are sending out a supeona for court to have you arrested for non payment. I said ok he hung up. I called XXXX XXXX and I had closed my accounts with XXXX on XX/XX/XXXX XXXX and XX/XX/XXXX he never stated when the check and go loan was taken and I never signed or took out such a loan in my name. I looked onlineat check n go and it said I had a loan for XXXX through check in go on XXXX but I closed my bank accounts through XXXX XXXX onXX/XX/XXXX so Im also confused how there is a loan in my name. Other than a x husband who I have a cpo in place for telecommunications harrassements and severe XXXX he even posed as me and used my child support card number for online purschases while out of out home without permission I have no clue how the loan was taken out or who took out a loan from their company. Please help Im scared.
|
| 10/21/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
On XX/XX/19 I walked into allied cash Advance to resolve a charge to my account that I felt wasnt valid. I paid my account off the month prior and thought that was it. I asked the girl to cancel the account, she stated I would have to come in and sign some paperwork to close the account, a couple days passed and I started getting phone calls from them saying I had a payment due, I informed the girl on the phone that I already paid my account in full and she said ok just come in and sign these papers to close the account a few days later I get a call from Collectios saying I owe them XXXX $ from allied cash Advance, keep in mind Ive been stuck in a loop of paying off and getting back for over a year so I definitely have given this company there money back ten times over now they want me to pay a fee and my account was paid in full because they cant close the account unless Im physically there, its a SCAM knowing most people wont come back to close the account not knowing there going to be charged, I cant believe someone approved of this, its predatory lending at its best, I can understand someone who didnt pay there account but I got chargerd XXXX $ for having a XXXX balance, this is crazy! The company should be shut down, and they charged the XXXX $ without my approval, how much more illegal can they get, shut them down for good
|
| 07/23/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/XXXX at XXXX XXXX a voice mail was left on my jobs VM. The caller says her name was Mrs. XXXX with the XXXX XXXX represent XXXX XXXX saying that she was looking to obtain a statement against me and my SSN. I called her back twice to she what this was about ..there was no answer she then called me on the XX/XX/XXXX and told me that she was hired to collect on a PayDay loan with XXXX XXXX XXXX back in 2015, I told her that I hired a company to settle that debt .. She then start telling me that she been doing this a long and that I'm lying like everyone else she's talked to and that if I don't produce a receipt showing a XXXX balance then they would take me to court and garnish my check ..I told her I would look through my E-mails and see if I could find anything she told me I had by the XX/XX/XXXX at XXXX XXXX because she have reached out several times and sent letter that I didn't respond to and I told her this is the first I heard of this and asked her not to raise her voice at me because I wasn't raising my voice at her and If they wanted to take me to court I'll explain to the the Judge the same thing I told her ..she told the Judge would care and that I end up paying more money in court cost and I should ask a family member to borrow the money because if I wanted to take care of this I would have been done already.
|
| 09/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2018 my employer notified me via email that there was a data breech and all employees W-2 's were stolen, and that we should be aware and monitoring our credit. On XX/XX/2018 there was a hard injury made from Axcess Financial in XXXX, OH. I immediately froze my credit and contacted Axcess Financial to notify them that I did not make this injury and it was fraudulent. They requested I fill out a report and send several supporting documents. I completed their requested documents and mailed them via certified mail on on XX/XX/2018. The certified mail was delivered and signed for at Axcess Financial on XX/XX/2018 at XXXX. Axcess Financial has continued to ask me to mail the same documents because they've said they've never received them. I repeatedly advised them that I mailed the documents via certified mail and they still have not been able to find them. They have most recently ( XX/XX/18 ) sent another email telling me they will be closing my case/fraud complaint due to the fact that I have not provided them with the requested documents. I again told them I mailed it certified mail and it was signed for on the above mentioned date. They have requested the tracking number for the certified letter, which I have declined to give because I've already given them the time and date the letter was delivered to their agency.
|
| 12/28/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
This is their email to me : You have a pending bill due for payment.
Loan Company : Check n Go Account Number : XXXX Due Amount : {$1300.00} XXXX, XXXX are disappointed that you have not taken the initiative to make reasonable arrangements to resolve your delinquent balance. If we do not receive payment in full of the entire delinquent balance by XX/XX/XXXX, Regrettably, we are forced to send our collection team at your billing address, due to your failure to pay the {$1300.00}.
On XX/XX/XXXX, legal representatives of our company along with the collection team will arrive at your home at XXXX A.M. in regards to the unpaid loan account.
We had hoped to avoid this extreme action by offering you flexible credit options to lessen the difficulty you face making payments. However, your unwillingness to cooperate with our billing department has left us no choice.
If you wish to avoid this situation then kindly get back to us to discuss one time settlement or payment arrangement as per your convenience.
If you wish to avoid legal action and the possibility of incurring court costs, attorney 's fees, and considerable inconvenience, remit payment for {$1300.00} or contact us to discuss reasonable arrangements to do so.
Warm Regards, XXXX XXXX XXXX Department Check n Go Copyright XXXX Check 'n Go | Privacy | Terms of use
|
| 04/16/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
This afternoon i receieved XXXX phone calls from seperate numbers [ ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) ] and seperate people claiming to represent a company called XXXX XXXX XXXX. They had previously called my mother and sister before getting in contact with meThey opened the conversaation by asking me to confirm my identity and went as far as telling me the last XXXX didgts on my SSN #. ( which they also provided to my family in a voicemail when they previously called ) they then starting talking about a debt i owe from years ago to " Check N ' Go '', which is a legitimate debt.
At this point theyre telling me that i owe roughly {$930.00} and must pay it in full immediately or they will file paperwork to issue a warrant and have me arrested due to " their client '' pressing charges on me for a couple different types of fraud. I questioned him about the legitimacy of what he was telling me and he got extremely defensive and kept insisting that i would be charged with felonies if i did not pay. he also refused to identify his client when i asked who was pressing the charges since he had told me that the original debt collection agency that got my account from Check N Go had turned over my debt to someone else, and that that new agency, whom he is referring to as his client, is the XXXX pressing charges if not paid.
|
| 10/10/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I received a small loan of {$250.00} from Check n GO in XXXX of XXXX. Was unable to pay loan back promptly. Account was issued to a Debt collection agency in which Account was finished being paid in full by XX/XX/XXXX. I was then informed by both parties that the debt would be removed from loan database. It was not. Made several attempts at having it removed but debt is still showing up on XXXX XXXX XXXX XXXX XXXX. Spoke with Check n GO today and was told they couldn't remove debt from XXXX since it was sold to collections. Spoke with Collection company debt was settled with and they told me that Check n GO HAS to remove it. I spoke with the Indiana XXXX XXXX XXXX and they also said Check n GO has to remove it. So I called Check n GO back and they say they do not have the ability to erase it and they can't do anything. All signs point back to Check n GO. I even called a lender I've never borrowed from to see what their protocol is and they also said that Check n GO has to remove the derogatory mark! This has been going on since XXXX and prevents me from doing things I need to do for my household. I want and need this Mark removed from my record, immediately. This is sabotage. If other people have had hardships and have worked hard to have them corrected, such as I, this can be damaging to them like it has been for me.
|
| 03/29/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
I had an instore loan with Check n Go and then applied for an outsource loan for an extended amount with Axcess Financial who through Check n go. They have not reported my on time installment loans to my credit since XXXX of XXXX. XXXX was paid in full XX/XX/XXXX for XXXX reference number was XXXX auth code : XXXX, cust ID : XXXX ). I have since disputed with XXXX a couple of times and there is no way anyone is truly conducting a research if it is still showing I have an open balance. ( If i wasn't making my payments it sure would be reflecting then!!! ) I have contacted Axcess Financial because it was not up to date with my accurate on time payments and now completion with loan. I just had ANOTHER dispute completed today ( XX/XX/XXXX ) again with XXXX and still none of payments were updated for every month after XXXX and it is not reflecting that my installment has been completed. I tried to contact what my credit report showed : AXCESS FINANCIAL who send me back to Check n Go since it was a in store installment loan. When I contact Check n Go and their system reflect I have a completed payoff installment with all payments before on time, I am at a stand still and at this point, JUST DELETE THIS OFF MY CREDIT REPORT AS A WHOLE. I don't know who to contact at this point but I want this off my credit report completely.
|
| 06/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This company has repeatedly reported this item incorrectly on my credit. I'm dealing with a debt settlement company that specializes in this hard money, very high interest loans in settling them so the creditor doesn't take a complete loss via bankruptcy. I didn't want to file because I felt there was another way to do this. They've been taking payments since last XXXX and are scheduled for the last payment to take place in the amount of {$700.00} this month. Then the debt is considered paid as settled. Yet they continually keep updating the credit bureaus stating the account is charged off for over $ 4K! It's not true and this is the 3rd time I've had to report them for inaccurately reporting this account on my credit. It's wrong on all 3 bureau reports. The agreement they signed is attached as proof yet again, that this very slimy company continues to pretend they don't know exists. I would suggest contacting their corporate office who is the one that made the agreement, without the knowledge of their rogue collection dept. who keeps trying to say I owe them more and the account was charged off. If they don't fix it I will find an attorney and have the item permanently removed from my credit. If they put it back on after that as a charge off then I'll be happy to sue them! They've repeatedly violated this agreement!
|
| 10/16/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I took a loan out with Checkngo ( Axcess Finance ) of XXXX, SC... I pd well until I simply asked the Mgr to hold the account from that Friday to Monday because I was having issues with my pay check and I didn't want it to bounce ... She responded as they dont hold accounts and I best put the money in the account.. I said there would be no way until Monday. She said well if it bounces she would continue to run the ACH everyday until it pd.. It told her i couldn't afford to pay the NSF fees.. She said well put the money in the acct.. She lived to her word and ran the ACH several times running up approx 400 dollars in fees... I was really mad about and called the Home Office... They assured me that they would fix the situation if I pd XXXX dollars to which I did ... About a week later they ran another ACH without any word of so and it bounced... I called the XXXX again and they said they were very sorry and said they would fix it... Well the fix was to Charge Off the acct... I have great credit except for this account... The Company soldthe debt to a Collections place and they told me if I would pqy it off they would assure me they would get with Check and Go and have all negitive information in it entireity removed... I pd the account in full that day... Please live to the Companies word and remove all information.
|
| 09/21/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/XXXX I received a text message. It said " Attention ( My name ) We recently notified you by mail that a lawsuit was to be filed against you regarding your past due account with Check N Go. A case management conference was recently held due to the impact of covid 19. As a result, we are extending you the option to settle your unpaid balance of {$490.00}, out of court for a onetime payment of {$240.00}. This payment will close ( dismiss ) the case against you and your account will be paid in full with a XXXX balance. This payment must be made no later then Monday XX/XX/XXXX. The payment can be made by calling XXXX or online at ( website ) File number # # # # # # #. '' Although there was no company name I did research the number and it came back to the XXXX XXXX XXXX.
I have disputed this alleged debt in pervious years because it is not mine and other collection agencies have used this same tactic and even broken some of the laws set out by the FTC and the CFPB. This is not my debt yet, when I file a complaint they continue to sell to the next collection agency. I have been told by Check N Go that this debt was from XXXX and the total amount due is {$390.00}. I have never accepted responsibility for this debt. I believe this is past the statue of limitations and they are illegally trying to collect.
|
| 11/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XX/XX/XXXX I received a call at my place of work, when I returned the call it was a company by the name on XXXXXXXX XXXX attempting to collect a debt from Check N Go. I was also contacted On XX/XX/XXXX by XXXX with XXXX XXXX XXXX, which was a pre trial mediator regarding a debt with Cash N Go pay day loans which I was not familiar with. She threatened that I would be served and would be taken to court. When I expressed that I did not have knowledge of a pay day loan and if she could give me more information she stated she did not have the amount of the loan that I owed and that she had no information on the company. She continued to raise her voice and yell at me and say that she was going to look up my social and my credit to see if I had a fraud alert because I was not aware of this debt and as I did not have a police report or a fraud alert I would be liable and would be taken to court and served papers to appear in court. I am not aware of a loan with Check N Go and I requested more information ( amount, date, account number, etc ) and she refused to provide, she continued to yell at me and said I would be served and hung up the phone. These companies continue calling and use different name and it is very deceptive. Ive contacted Check N Go and they have no record of a loan with my information.
|
| 10/19/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
The company Dispute Resolutions contacted me as well as my family telling me that I was going to get sent to court and the debt I had from Check n Go from 7 years ago that was less than {$250.00} was being sued on me for defrauding a financial institution, and numerous other charges and if I didnt take care of it then, I could be taken to court. I cant afford that. I set up a {$50.00} payment plan that did not go through and I spoke with the gentleman again to ask questions and he began yelling at me calling me names. Now another man is contacting my family and I called asking them to stop contacting my family and he threatened to serve me with papers. I called that number about trying to get the calls to stop and all they did was yell at me and call me a XXXX XXXX and told me that the number I called was apparently a mistake. When I asked who XXXX XXXX was ( the person who left the message with my family ) He said I was a coffee and donuts XXXX like the president said and the reason they are calling my family is to find me. I said scammers make threats and insult and yell at people. He asked if I wanted to come have coffee and donuts and then said no Id be too XXXX to do that. He called me a low IQ person. I asked for their address and he hung up. Its scary. That callback number was XXXX
|
| 09/07/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
OK, these people sent me an email teling me that I was approved for up to {$10000.00}! So I needed some cash to pay XXXX of my bills, but they said that they started from {$2000.00}! Anyway, I think some kind of way that they set me up cause they called them Check ' N to Cash! They were very suspious cause they told me to go to XXXX and get a XXXX to send the {$490.00} that they had put in my account! But they would'nt do it cause they said it was fraud cause I did'nt know who they were, and they did'nt let me get it! So, they told me to get a I tunes gift card and send them the money back on that! Anyway, I did that cause they said that they would deposit the rest of the money! So I did'nt know that they had already deposited some more money in my account! But something happened and my bank put a hold on my account and they said that it was fraud! So they closed my account because of that mobile check for {$920.00} that they had deposited in my account! And then I found out that they tried to come back and get the first {$490.00} that they had deposited in my bank while my account was closed! So thats why Im filing a complaint cause they committed fraud some kind of way because of them closing out my bank account behind this and they said that it was fraud!! Thank you very much, XXXX XXXX
|
| 09/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.
Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files.CHECKNGO/XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
|
| 08/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Identity theft protection or other monitoring services
- Didn't receive services that were advertised
|
|
Web |
|
|
I applied through the Check n ' Go online service for a personal loan. At the beginning of the application, it stated that applying would not affect your credit score. After proceeding to enter personal and bank login information, agreeing to online documents, etc. I received a message that I was denied. I decided to check my credit score and saw that my XXXX score dropped drastically in the amout of XXXX points based off Check N ' Go 's hard inquiry.
I called the local store and spoke to XXXX XXXX who stated he was the local Store Manager and confirmed he has never heard of a customer experiencing more than a XXXX point drop in their credit score for a hard inquiry from Check N ' Go. He then directed me to what he says was Customer Service at the number XXXX. I called and spoke to a rep who confirmed I had reached Feedback. He then told me to call XXXX to reach the actual Customer Care line. I called and spoke to someone named XXXX and he confirmed he had never spoke to a customer with no more than XXXX points of a drop in their credit score. He proceeded to say he could be of no assistance, and I needed to contact the credit bureau as they control the amount of points taken during an inquiry. Here I am. I want reasoning for a XXXX point drop in my XXXXredit score for a hard inquiry.
|
| 11/18/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
Three years ago I was contacted by phone by an online payday loan company. I was told I had made a {$700.00} online loan which had been deposited into a XXXX XXXX account. I told them I did n't borrow money nor did I have an account at XXXX XXXX. I contacted the Federal Trade Commission who took a complaint and told me it was best not to engage callers.
The " collectors '' called me several times over the next year, each call from a different company saying I owed more and more. I assumed they were selling my name to the next con artist. But in the last year one company has consistently called me threatening to take me to court. I told them that I welcomed a court date so they could prove this debt I did n't make. They then began sending bills for {$6700.00}, and periodically calling.
The other day I called my mortgage bank to get info on a refi and was told there was a {$6700.00}. collection on all XXXX credit reports.
The Company is XXXX XXXX XXXX.
I have n't tried to contact these people, because it 's not my debt and they do n't want to hear that. They just want you to pay anything they can get. I have contacted XXXX and disputed the debt, I was told I should hear something with in 30 days. They have ruined my credit rating and may potential cost me in higher interest rates.
|
| 08/29/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I contacted Check n Go on XX/XX/XXXX to complain about the loan terms and their unfair practices to consumers. They logged my complaint XXXX and stated they will get back to me. I received feedback on XX/XX/XXXX basically telling me that I agreed to the terms and they could not help while the loan was active and would not be able to settle the account or come to an agreement until the account was in collections. My thoughts, if I wait for the account to go to collections, then it will be on my credit report, which I am trying to avoid by asking for assistance before it got that far. In the state of Pennsylvania, payday lending is considered illegal according to the Check Cashing Licensing Act of 1998, 505 ( a ). Pennsylvanias Loan Interest and Protection Law ( LIPL ) prohibits lenders to charge an interest rate in excess of 6 % per annum on a loan amount less than {$50000.00}. The Pennsylvania Supreme Court set a rule in XXXX that all lenders ( in-state and out-of-state ones ) willing to give loans to Pennsylvania borrowers must abide by the state laws. I will also file a complaint with the Pennsylvania Department of Banking, since I am and always have been a Pennsylvania resident. The identification and everything else used in the transaction was from the State of Pennsylvania.
|
| 02/06/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Older American |
|
I took out a personal loan at Check N Go last XXXX. The amount of the loan I believe was {$1800.00} with XXXX per month being paid per month for 18 months to pay off the loan. This was an installment loan not a payday loan. At the time the loan was set up I was sent to an app called pocket XXXX to manage the loan. I have not been able to access XXXX and have requested assistance through the company to be able to view the records and and each time have been told they can not figure out what the issue is with my login. I feel I have ran out of resources in which to turn for assistance. I have no other complaint with the company aside from them limiting my access to my account. I have never missed a payment and the loan is in good standing but they/their technology will not allow me access to my account records with CheckNGo/XXXX. Oddly enough while they have inhibited my access to the account records it has no impact on the scheduled recurring payments being withdrawn from my account. This does not seem fair and at this point the company is either unwilling or unable to assist me. The customer service has lacked every step of this. All they say is someone will follow up in 24-48 hours and there is never a follow up to my issue. I am very frustrated at this point.
|
| 08/05/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
My mom got a call from XXXX XXXX XXXX advising her that they will send a complaint to the court for felony fraud for a pay day loan I took out in XXXX with check n go. My mom called me worried gave me a XXXX and a number to call .I called XXXX he said he is with XXXX and said he will have the lawyer 's from his company send off a complaint with the state of nevada for fraud for a checking account I closed in XXXX, in which stopped check n go from collecting payments. I got scared because I have a high risk XXXX. I paid XXXX {$400.00} towards a {$810.00} loan for check n go. I called check n go to confirm they sold the debt to XXXX XXXX XXXX Check n go advised me no and gave me the name of the collections agency that they sold the debt too which is XXXX XXXX. Check n go advised me to reach out to XXXX XXXX to settle the debt. I called XXXX XXXX spoke to XXXX, she advised me they bought the debt the date and year and they still have the debt. I told them about XXXXXXXX XXXX XXXX they advised me that they don't know who this company is. I want my refund back for {$400.00} and I don't want this company contacting me or my Mom again and I don't want them attempting to withdraw any more money from my debit card. I'm working with XXXX XXXX to take care of this debt.
|
| 01/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
A company named XXXX XXXX XXXX placed a collection account on my credit reports for XXXX, XXXX, and XXXX. The amount stated as past due was {$970.00}. The claim for this debt apparently originated with a company called Check N Go which appears to be a pay day check cashing company.
I am the victim of identity theft. The item I am disputing is not a transaction that I have made or authorized. I have never done business with XXXX XXXX XXXX or Check N Go in my life. Neither company has ever contacted me about any transaction or problem. I have never used a pay day loan and no check or electronic withdrawal has ever been submitted to my bank account by these companies.
There is no way they would have a legitimate check or other financial document from me since I have never done business with them. Any signatures would be fraudulent and could be compared to my real signature. My tax return information was stolen in a hacking incident several years ago and someone attempted to file for an IRS refund in my name. The information stolen included a bank account number, but I closed that account after that incident.
XXXX did not make any changes to my credit report. They said XXXX XXXX XXXX said it was accurate information. The reviews by XXXX and XXXX are pending.
|
| 05/24/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
On XX/XX/XXXX I received a phone call from ( XXXX ) XXXX which I believe to be a spoofed number. The person on the phone claimed to be an attorney named XXXX XXXX . She stated that I had an unpaid loan from check n go from XXXX and that a warrant was being issued today for XXXX counts of check fraud. I had 2 h ours to wire some money ( 4 times the amount of the original debt ) and then they would tell the district attorney to cancel the charges. I questioned them on their story and she got agitated and hung u p. 20 mi nutes later I get a call from the actual number of XXXX County Sheriff De partment with someone saying that they just got a fax from XXXX XXXX and they were going to issue a warrant for me because I hung up on the law office, but I still had an hour and a half to pay XXXX XXXX and they would cancel the warrant. I told the individual posing as a Sheriff deputy on the phone that I would not be paying anyone, because last time I checked you could n't pay to make warrants go away, she hung up on me. Then I called the supposed law office back and questioned this XXXX XXXX about the amount, asked her which law firm she was with, where they are located. She would n't answer any of these questions and hung up on me again.
|
| 04/07/2016 |
Yes |
|
|
|
Web |
|
|
Had a payday loan in 2013 " Check N Go '' in Indiana was a legit company. ( Amount Less than {$300.00} ) Wrote a postdated check that ended up bouncing or not clearing ( Or was drawn on a closed account ). I had lost my job moved back home to XXXX during this time and had closed my Bank account with XXXX. I am still pulling records from when the loan exactly was and when the account was closed. Now this company is coming after me saying their collecting on behalf of them stating that I need to pay {$770.00} this includes restitution. " For intent to Defraud '' Felony. These people managed to call almost my entire family requesting I contact their offices. I have asked to verify the debt but they said there not required to do so since there not a debt collector. They also stated that an arrest will be issued for my arrest as well as me being extradited back to XXXX.
Facts-They had my full address and SSN, they were able to confirm friends names and phone numbers and employment at the time. They were also able to give me the check number and bank number however he spoke so quickly I could n't verify.
I have all calls recorded for my record. I also requested to verify my debt the first time they called and they refused saying there not a debt collector.
|
| 04/07/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Check N Go / XXXX Account No : XXXX I would like to make a complaint against XXXX/Check N Go. This payday company is great at misleading consumers, I was told that the interest rate was very low and would be able to pay off the loan quickly. When I fell ill I call them to stop taking money out of my account which the told me I had to come in and write a new check for the to hold. Check N Go continued to Ach my account even when I told them to stop. I had well over {$120.00} in NSF fees just because they would not stop the ACH. I had problems paying back my loan because I 'm on such a low income. I contacted you to say I was in financial difficulty and Check N Go told me that I could not defer any payments. I have tried to work with them but the continue to harass me, and damage my credit. The manager who work in the branch XXXX XXXX CA even told me that Check N Go knew it would be hard to pay off their loans that 's why their interest rates are so high, and he does not even work for Check N Go anymore. I would like for Check N Go to stop their unfair business practices, of misleading consumers with their deceiving high interest rates. I do not owe them any money the have over drafted my checking account to the point where I was force to leave my bank.
|
| 08/01/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
A number called me and left voicemails stating they were trying to contact me in regards to a parcel that could not be delivered. I called back today, XX/XX/23 and the lady states she was XXXX XXXX from XXXXXXXX XXXXs ( XXXX ) and that she was trying to contact me regarding an old payday loan with check n go. I stated that I paid off my debt in full with them and have the paid in full letter. I also stated that I contacted check n go after paying the debt collection company off and they stated I had no active accounts. XXXX XXXX told me that if I did not pay the amount today XX/XX/23 by XXXX I would get XXXX felony charges filed against me with my county. I again called check n go and spoke to their collections department who told me that it sounded like a scam and to request a debt validation letter. When calling XXXX XXXX back requesting a debt validation letter XXXX stated that it would be too late to send one and that charges would already be filed, she stated they sent one to my email and home address in the past, which I did not receive anything from them. I then knew it had to be a scam. Very scary that they had my home address, email and name and threatened to file felony charges against me and that I would have to go in front of a judge.
|
| 04/09/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
On Thursday, XX/XX/XXXX, I called the Check N Go debt collections number to let them know I am unable to pay the full amount I owe due to significant reduction in hours at work. I can barely pay my monthly rent, much less extra expenses. I agreed to pay what I could that day, which was {$40.00}. I told them I could call back on XX/XX/XXXX ( my next pay date ) to make another payment. The original person could not get my card number correct event after three tries. I asked to speak to a manager, as I was frustrated. The manager told me at first that if I just gave him the next date of when I would call in, it would take my loan out of active status and I would stop getting calls. I gave him the date, then he backtracked and tried to get me to commit to paying an amount on a specific date. I told him I do not want them withdrawing money out of my account automatically. He then told me I needed to commit to an amount in order to be taken off active status and not get repeated calls. That is not what he originally told me. I feel that he put me on a list and is punishing me because I was irritated with him and expressed my frustration. It is not my fault that I got reduced hours at work, and they need to work with me on payments that work with me.
|
| 09/16/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have spoken to someone from Check & Go in the past & told them that the account was not mine, I did not apply for a loan, the information they had on me was not mine. I asked them several times to remove it. I did not find out they referred the account to an collection agency until I applied for a housing loan & was denied due to the collection agency XXXX XXXX XXXX being on my credit report. I had no knowledge of this collection agency or any contact information to call/email them. I filed a XXXX compliant on XXXX XXXX XXXX XXXX XXXX collection agency. I received a response from them within 2 days. XXXX told me they reached out to the credit reporting agency back on XX/XX/2021 that the account was closed in their office & remove the account from my credit report. They agreed to send a second notification to the credit reporting agency to remove account from my credit report. With that being said I would like to file a compliant on Check & Go, XXXX XXXX XXXX XXXX XXXX & the credit reporting agency. I lost money applying for a housing loan & being denied due to this negative account on my credit report. I have to start the whole process over again. This is not fair. Something should be done about these companies causing problems like this.
|
| 09/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Upon pulling my consumer financial report I discover that there is information that is deemed to be fraudulently reporting from this company. On XX/XX/2021 I sent certified mailing informing them of these fraudulent actions. I have discovered that this debt collector Pursuant to 15 USC 1692 ( a ) have violated my privacy completely. I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). When looking at the amount owed on my consumer credit report pursuant to 15 USC 1692e ( 2 ) ( a ) the character and the amount is misleading to the amount, reporting on my report is of a positive balance which is a misrepresentation. This company also seems to have multiple debt reporting sue to seemingly selling this account but still reporting on my consumers report which is a violation of 15US 1692h. I notice that this company showing on my consumer report as a charge off which is also a violation pursuant to 15 USC 1692e ( 12 ) and has damaged my reputation and have also hindered me to obtain certain jobs due to being present on my consumer report. I have attached documentation that I have sent to this company concerning this matter.
|
| 04/18/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/19 XXXX aka XXXX XXXX XXXX called a relative and asked for me. This company has never tried contacting me first. My mother stated the name of the person was " XXXX '', she blocked them and advised me of the call. I tried contacting them same day, some answering machine came on. Fast forward to XX/XX/19, I receive a call at my job ( where they don't have permission to call ) from a woman named XXXX XXXX on behalf of XXXX. XXXX stated that she was going to attempt to connect with with their " lawyers '' but the lawyer was " busy '', she then basically stated that they ( XXXX ) are threatening to sue me for a debt I allegedly owe. I asked her what the debt was and why she was contacting me and not XXXX, she then stated that they were hired to process the paperwork. I then stated at that time to send whatever they needed to, to my home address. XXXX then stated she would have we served at my home address and hung up. Today on XX/XX/19 I get another call from them at XXXX am CST. This alleged debt has never been verified from this company stating they're going to sue me. Please advise them to have the ORIGINAL CREDITOR send verification of debt to the address they have on file and to have XXXX stop harassing me on my work phone!
|
| 05/11/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
On XX/XX/2023 at approximately XXXX XXXX I was contacted by phone by a XXXX XXXX who was representing a company called XXXX XXXX. This is a debt collector for Check and go from what he was stating. I do owe check and go {$500.00} from a loan I took 11 months ago. I told him repeatedly that I was at work and would not be able to look into my finances until the next day. He kept saying that I had to pay the money back today or I was going to be criminally charged for writing a bad check. I did argue with him and told him that nothing could be done today and that he was going to have to wait until tomorrow. He then said that he has already contacted my employer and that he knows how much I make and when I get paid. He could not verify who my employer was so I knew that was a lie. he then stated that he was going to mark my file as refused to pay and that charges were going to be filed on XX/XX/XXXX. I got him to agree to let me call him on the XXXX with a payment. he sent a letter by email saying that I have 30 days to comply. he did not include any name or way to identify him on this letter, its a generic letter. I will pay this debt just to get him off my back and because i honestly do owe it but his tactics i feel are uncalled for.
|
| 01/03/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
My credit monitoring subscription notified me that XXXX had posted collection accounts on my XXXX and XXXX credit bureaus dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
I have never received notice of this debt from XXXX nor have I been given the opportunity to dispute this debt before they reported it to the credit bureaus. I had to look up the company on the internet to find their contact information.
I contacted them on XX/XX/XXXX at XXXX and spoke with a XXXX. He informed me that on XX/XX/XXXX, I had taken a loan from a company called Allied Cash Advance in the amount of {$1400.00} and that that sum was deposited into my bank account. He told me the current sum due is now {$1700.00}. I asked for an account number to which they gave me XXXX.
I have never heard of Allied Cash Advance. Looking at my bank statement from XX/XX/XXXX, there are no deposits from anything unfamiliar nor are any of them for the amount of {$1400.00}. I have searched my bank statements from XX/XX/XXXX through current date and there have not been any deposits to my bank account in the amount of {$1400.00}.
XXXX is also not registered to collect with the state in which I currently live nor are they registered with the state in which I previously lived.
|
| 08/28/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I am being threatened over a XXXX dollar payday loan which I had no idea if the bank had covered it I didnt check the bank because I never received any calls about the check not clearing. I was struggling at the time and honestly as time passed forgot about the loan. Approximately 6 year later I get a call from a pre trial service saying I commented fraud by closing my account which is not true. The bank closed my account because I could not get it out of the negative. Lady threatening me is not professional and when I asked for address she kept asking me for case number which she already had because she called me by my name. When I confronted her she hung on me and I never got the address because she refused to give it to me. Last week when I talked to her she told me I had a court date for XX/XX/XXXX which was following day but since I had not received the papers it would be rescheduled. Today when I told her I called my local court house and they had nothing to serve me she said its because it hadnt been filed which was a lie obviously. The company was check n go where I got the loan but this is the number I was called from XXXX. They even told my job I committed fraud which isnt true but not professional or very confidential
|
| 04/22/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
Company attorney claims they have tried to contact me. i have never received anything from them. They are also harassing me while, I am working. I am not allowed to have visitors or calls while at work. They never sent proof or validity of this debt. They claim twice, someone was suppose to come, a man from XXXX XXXX service to have forms signed. I have never seen such person. I work during the day, no way I am home. Man left a number on my phone, I called that number. The person was not helpful, he was rude, and hung up. He would not listen to me. I kept explaining to him, I am not home to sign a form. He attempted to bully, and scare me saying they will garnish my wages, out a lien on property, and or have a judgement. I have just my income, taking care of my XXXX wife, XXXX parents, and XXXX teenagers. All my bills are behind. Either we are homeless or pay them. I will choose to keep a roof over my family head, and help my XXXX parents. If in fact this debt is mine. I can't pay what they are asking. The number I called was XXXX. This number says they are representing XXXX. I believe XXXX XXXX XXXX XXXX, OH XXXX is the corporate office at XXXX. They also have a local office in Delaware XXXX XXXX XXXX XXXX XXXX, DE XXXX
|
| 07/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Every month I take out a {$250.00} payday loan from XXXX XXXX XXXX. Its oaid off in time every month. This time I receive an email saying my loan is soon due and if you want for a special promotion you can convert the payday loan into an installment loan ( first uploaded image ). So I click the link in the email to see what they are offering. I reach a page ( the second uploaded image ) that shows my loan information and a box that states Get Started in big letters with smaller print stating get the funds you need you are now eligible for an installment loan. See how much you can receive I wanted to see what the offer was even though I knew it would be a rip off. So as soon as I click the link the web page now takes forever to load but once it does it shows the loan details to which I just close my browser. Later that day I receive a hard inquiry alert from Axcess Financial on my XXXX. Ive contacted them 4-5 times the first three were just customer representatives saying the same thing over. The others tried to show me how I accepted the inquiry but the websites they displayed I never visited. This computer is a predatory company but I have to already give them {$50.00} every month just to roll over me {$250.00} payday loan.
|
| 06/11/2015 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
Servicemember |
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Check n ' Go online continued to debit my account XXXX pay periods in a row after my loan was paid off totaling {$630.00}. I have been contacting customer service for the past month ( XXXX times in total ) inquiring about my money. The representatives continually tell me that the check was mailed out to me on the XXXX of XXXX and it should take XXXX business days. As it currently stands XXXX XXXX XXXX 2015 XXXX, it has been a month since this apparent check has been sent out. I have confirmed my address multiple times with the representatives and the only answer I receive is " I do n't know where the check is. '' Additionally, they claim to have put in expedited requested to the accounts payable department, but do n't get a response. If I take a loan out I can get my money in XXXX hours, but when it comes to money that is owed to me it takes over a month. This is very poor business practice. I have requested multiple times to have someone contact me and please provide an explanation as to the status of my refund, but still nothing. Since they XXXX took additional funds out of my account it has been nearly XXXX months and they have yet to refund a XXXX dollar or make any effort to even though they admit to owing me the money.
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| 07/28/2015 |
Yes |
- Debt collection
- Payday loan
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- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
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Web |
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This company has contacted references on the account and advised them they were going to take me to jail and because I was due in court. Recently they contacted someone name who is an very extended family member that I do not even talk to ever.. that they were looking for me because I was due in court that day and did not show up. They will be picking me up to take me to jail. I have contacted the company a few times already requesting to speak with a manager or supervisor.. Not an account manager and could not get one. Asked for their escalations department.. Would not transfer me. Said no one else for me to speak to. I asked if they follow FDCPA guidelines and she told me yes. Her name was XXXX. XXXX XXXX is the company. I 've read several other complaints online. What can I do about this? They have been asked by the references no t to contact them anymore and they still do it.. They have a good number for me.. but they threaten me when they call. XXXX even told me that I needed to pay my debt and keep up with who my loans are with I had them confused. I advised her this was my only pay day loan, no one has ever threathened me this this. How is this happening? She would not acknowledge the unlawful practices.
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| 04/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Loan payment wasn't credited to your account
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Web |
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I keep getting threatening phone calls from a company called XXXX, for a debt that was paid by me and my old bank XXXX XXXX XXXX XXXX, in XXXX XXXX, Iowa. I paid over {$9000.00} last year on XXXX XXXX to pay off all or any outstanding debt I had. I have a confirmation number for this particular former debt that went from {$550.00} down to {$500.00}. in a settlement to pay the debt off!. I am not getting the credit apparently after I paid it they are trying to double dip on me. Here is the confirmation number as follows : XXXX - File number XXXX, I spoke to a XXXX back in XXXX of 2021, she took the payment from my bank debit card. A person named XXXX XXXX keeps calling me harassing me from XXXX, saying they are coming to my job, to arrest me, XXXX told me today XXXX is a XXXX XXXX. She threatened to arrest me over {$550.00} that has already been paid by me and my former bank in Iowa! This is very scary! Its even been removed from the credit bureaus since I paid it for Check and Go I believe the name of the company is on XXXX XXXX XXXX, XXXX XXXX, Iowa XXXX. They asked for my birthdate and last four of my social # today to confirm it was me to unlock the account for me. ITS PAID!
Sincerely XXXX XXXX - XXXX.
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| 04/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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XXXX XXXX XXXX is reporting to the credit reporting agencies on a previously settled/paid debt with a different collection agency. XXXX XXXX XXXX ( XXXX ) is claiming to have an installment loan I previously had with Check n Go. This installment loan was previously sold to a different collection agency ; XXXX. XXXX XXXX XXXX is claiming to have said loan when the loan they are claiming to have was already collected and settled between XXXX and me. I settled with and completed payment in XXXX XXXX. A settlement was negotiated with XXXX in XXXX by XXXX ( XXXX ) and myself.. the first XXXX payments were made as follows by XXXX with the remaining made directly to them by me as the was a disconnect between the agencies. The total settlement changed from {$2000.00} to {$22000.00} due to the mix up in payments.
XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$1000.00} XXXX/XXXX/XXXX {$500.00} XXXX/XXXX/XXXX {$450.00} I received a settlement agreement letter from XXXX dated XXXX/XXXX/XXXX for a total settlement of {$2200.00}. XXXX has no right claiming or reporting that I owe them, I have paid this debt and will not pay again on an invalid claim.
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| 10/07/2015 |
Yes |
- Debt collection
- Payday loan
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- Communication tactics
- Threatened to take legal action
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Web |
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A woman called me at work and claimed I had criminal charges pending regarding bad checks I have written in XXXX XXXX. When I told her I do n't have checks I was transferred to a supervisor who immediately started yelling at me. It was an old payday loan. " DO YOU REMEMBER NOW? '' I asked them to not call me at work. She said, " We can call you anywhere, anytime, and all day! '' I tried to tell her I had already settled with a debt consolidation company. She would n't let me talk. She yelled over me and interrupted me, basically called me stupid saying " you ca n't sell debt! '' She proceeded to say they are pursuing legal action in XXXX XXXX and I can stop the process if I pay them now. Very hostile, rude, and would n't let me speak or ask questions. She said I would be served papers the next day. I said thank you and hung up. I have received no papers. They continue to call me at work first and then my cell. I believe this is a fraudulent attempt to get me to pay on an old debt. They claim to be XXXX XXXX XXXX, but I ca n't find anything about them online. The number is XXXX, and the only things that number pulls up online are complaints of attempts to collect an old debt through harassment and threats.
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| 08/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
CHECKNGO/AXF XXXX Date Opened XX/XX/2019 XXXX {$0.00}.
Please remove/block the disputed item as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act.
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| 09/29/2015 |
Yes |
- Debt collection
- Payday loan
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- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
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Web |
Older American, Servicemember |
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A person named ( XXXX XXXX ) has repeatedly called me to collect an old payday loan that I had tried to pay off. When I realized I could n't pay the loan i made arrangements with Check N Go to pay so much a month over a year ago. After a few months I forgot to pay and did n't hear from them until recently.
When I told XXXX XXXX that I was on Social Security and VA XXXX and am unable to repay the loan we made an agreement that I could pay {$25.00} a month begging XXXX 2015. I told him I would pay when my check came in. 3 days before my direct deposit came in he ran the check through my account over drawing it and costing me {$140.00} in over draft fees. When I contacted XXXX XXXX and complained he acted like he did n't care and told me he would repeatedly run the check through. I made arrangements again to pay on the XX/XX/XXXX and again he ran the check through the account causing overdrafts 3 days before the XX/XX/XXXX.
Since that time I closed that account and now I am getting threatening and harassing phone calls. After several attempts to inform XXXX XXXX that I was not able to pay he started calling my family. First he called my XXXX year old dad, then my son, and today my wife at her work
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| 03/07/2019 |
Yes |
- Debt collection
- Payday loan debt
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- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
Servicemember |
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I had a payday loan with XXXX XXXX XXXX, I became XXXX and was not able to pay it. EVERYONE in my family has been contacted by the company they hired to try to collect or file legal action against me. The company ( XXXX XXXX ) gave everyone in my family their phone # along with the case #, all they would have to do is give my birth date or last four SS # and they could have access to this information! I called the company at XXXX XXXX and asked that they not contact my family. They said they noted the account, but yesterday evening they ( compliance officer ) contacted my brother in law and left all of my information again name, their # and my case # and this is a debt and I would be getting it filed in court etc.
When I called and spoke with them again to try to work out a repayment plan they refused my offer. I was also told that XXXX XXXX XXXX sent me a certified letter and made numerous attempts to contact me. I never received anything. I have emailed XXXX XXXX XXXX two times to try to work this out without a response. The company that was hired is extremely rude and nasty, they would not give me their address, fax # or any information for my own files I was told that " I do not need it ''.
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| 07/17/2018 |
Yes |
- Debt collection
- Payday loan debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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I received a call from a " Blocked Number '' and the caller indicated that she was with " XXXX County '' and that a Mediator had been assigned to a case that was filed against me. She gave me a phone number ( XXXX ) to contact the mediator and a case number to reference ( XXXX ). When I called I was told it was in reference to a debt with XXXX XXXX XXXX. The person I was speaking with said she was a mediator working with an attorney and they were going to file a lawsuit and lock my bank account, garnish my paycheck, and contact my employer. She talked and talked and talked and talked and was clearly trying to come across as " helpful ''. She then started asking me personal questions like " Did something bad happen in your life that caused you to default on this loan that is very obviously yours? '' I refused to answer any questions and asked her repeatedly what it was she wanted. I pointed out that we'd been on the phone for over 8 minutes and she had yet to tell me what she wanted. She eventually wished me luck after pointing out that I must not care about my debt.
I knew enough that I refused to acknowledge the debt or any knowledge of said debt, and I refused to answer any of her questions.
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| 08/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
Servicemember |
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Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
This is my second and final request to you based on your last response before I take it to court. I will not provide you with my personal information which you should already have a record of.
I have never done business with your company at all.
I have attached a copy of the 3rd time of my identity theft affidavit. I refuse to give you a copy of my driver 's license because the person who committed identity theft also had that information as well apparently. I'm not going to send a company that I never did business with my personal information. Remove this account immediately from my credit profile or there will be consequences.
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| 11/30/2023 |
Yes |
- Debt collection
- Payday loan debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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A firm by the name of XXXX XXXX XXXX contacted me about 3 months ago about a debt. Gave me a case number said I was getting sued if I didnt pay the amount owed over the phone. I told them to send me a debt verification letter in the mail, never received one. They quit calling until Monday XX/XX/XXXX. They have called the last 4 days beginning aXXXX XXXX XXXX from different numbers. Told the guy today that I needed a verification letter sent out, he says he is recording everything I am saying to play in open court. He says that the company retained them however when I contacted the original creditor they say the debt was bought by someone else. He says they have sent me 3 or more letters in the mail however they have not. He then told me he was going to put me on hold while I figured out how I was going to pay my debt over the phone. He left me a voicemail saying letters had been mailed out but on the voicemail the address he left on the voicemail was not correct. I tried to explain that to him and he argued with me and then told me the correct address but said that I told him I moved. He left me a voicemail telling me not to call their office back anymore and good luck with my case.
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| 10/24/2017 |
No |
- Debt collection
- Payday loan debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/XXXX I entered the Check N Go on XXXX XXXX and handed the Represetative a notarized letter. I informed her that I also sent a copy to XXXX XXXX she took the letter thanked me. I was laid off from my job and I informed XXXX XXXX that I wanted to revoke authorization to my checking account because I could no longer make the payments. I had no problems in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX but XX/XX/XXXX Check N Go attempted to debit {$140.00} from my checking account. On the check it states Authorized by your Customer No original signature required. I signed a contract at the time I received the loan authorizing Check N Go/XXXX XXXX to pull funds from my account but I have since revoked that authorization. This caused me to receive two returned check fees from my bank of {$36.00} each and a {$10.00} returned check fee from a company that I made a payment to that was returned as a result of this unauthorized check. I spoke with a women in the collections department and she refused to give me any information. I asked her for a number or address to file a complaint she stated that the only way to contact Check N Go is through email. She gave me the incorrect email address.
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| 04/26/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
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Web |
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I, XXXX XXXX , took out an installment/payday loan at the Check 'N Go location at XXXX XXXX XXXX , XXXX XXXX , MO XXXX in XXXX XXXX . The hours where I work got cut down, and I have been having difficulty paying the payments. This company began calling the place I work, XXXX XXXX , on days I was not at work, and my manager asked them to stop. Then today, XXXX / XXXX / XXXX they called again, and I told them that I was not allowed to receive phone calls here. I am actually not even employed by XXXX XXXX , I am a temp worker through XXXX XXXX XXXX . I finally had to hang up on the lady, XXXX . Then another person from Check 'N Go called back almost immediately. I told the man again, that I can not receive personal calls at work, and not to call again. They immediately called over and over while my manager told them to stop each time. They told her that they could call whenever they wanted, and would keep calling. She tried reporting this to the corporate office, so far with no results. I may very likely lose my job over this. Please help me. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
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| 07/15/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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|
Web |
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In the winter of XXXX I took out a Pay Day loan for {$300.00} at the Check N ' Go in XXXX, IL. XXXX of XXXX I relocated from XXXX, IL. to XXXX, IL. Too the best of my knowledge the debt was paid off before I left as they'd been debiting money from my pay checks. On the XXXX of XX/XX/XXXX I received a call from XXXX XXXX XXXX XXXX XXXX. They asked for credit card information, banking information, how much I was paid and how often, and information about where I worked. They said I had committed fraud, that I had a court case, and that I was going to be arrested. On XX/XX/XXXX they contacted my daughter and asked where I was living. They threatened to come my daughter 's home, my place of work, and threatened to call me at work. I am XXXX and have been taken advantage of financially before. I am on government benefits and work part-time and it would be a hardship to take on an additional debt. Due to my XXXX I struggle with concentration, processing information, and understanding others. I have also filed a complaint with the Illinois State 's Attorney General 's office. The State 's Attorney General 's office directed me to file a complaint with the FTC and I was directed here.
|
| 04/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
|
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I am writing to dispute the following information in my file. Account number- XXXX XXXX XXXX This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. XXXX XXXX XXXX XXXX This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. XXXX AXCSSFN/CNGO This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. XXXX AXCSSFN/CNGO This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. XXXX XXXX XXXX This isnt a charge off account. This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported.
I am also victim to having several unauthorized inquires in my report I am requesting that the items be deleted to correct my credit report. Bk of XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021
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| 09/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
|
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I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
|
| 04/24/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
|
I have received multiple calls for a group representing Check and Go Online payday loan service. The Group called today from the number XXXX and I called back and spoke to a XXXX , he was really nasty and condensending. I advise him I do not and have not ever used a payday loan service and never used online service to get a payday loan. I told im I am not the person they are looking for, and how to we resolve them constantly calling me. He had told me the las t 4 o f the ssn XXXX and that a debt for {$400.00} was made and attached to my number. This is the 4 tim e I 've spoken to this individual. They have called me and threaten to come to my job, threaten a processor would come to my house, Threaten with legal action and I need to have an attorney make a statement for this debt. I told him that 's not my number, He then placed me on hold and came back with part of my SSN and parts of my DOB and said he would REMOVE my name from that Debt. This DEBT is NOT mines Check and Go and its representative are operating outside the consumer protection limits. They are making threats and calling and harrassing with unverified information and are abusing consumers.
|
| 06/21/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/2019 a company called XXXX XXXX XXXX called my cell phone and my place of business notifying me that all entities associated with my social security number will be suspended. The recording also says that charges will be brought against me in the court of law in the XXXX XXXX county and in civil court. I called them back. I asked for a website. The representative said it was under construction. The case manager got on the phone and threatened me with a felony charge and intent to fraud a financial institution. She read me my full social security number, address, bank account information, and phone numbers. I did call the company check n go and verified the account. However, they did sell the account. I was able to contact the current collector XXXX XXXX XXXX and pay them in full. The amount that XXXX XXXX stated was XXXX when XXXX dollars was the amount owed. I am worried that this fraudulent company has all my personal information. I am very shaken by the threats of being served at my home and being charged with a felony through the district attorney office. I hope by launching a complaint that this company can be stopped from terrorizing me and my family.
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| 01/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
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|
Web |
|
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Debt collection company : XXXX XXXX on behalf of Check n Go I have been receiving multiple texts and phone calls/voicemails regarding someone elses debt. At first I thought it was a scam because I am current on all my debts and have never used check n go ( which they claimed to be collecting on behalf of ). The text messages and voicemails threaten tax levies, garnishment of wages, etc I finally called them back and found that they were calling/texting regarding a debt they KNEW was NOT MINE. I believe this is a violation of their right to ONLY contact me ONCE. I also feel that their scare tactics of trying to make me believe that I was the one in danger of tax levy and garnishment rises to the level of harassment under the law.
The collection agency is XXXX on behalf of Check-n-Go.
I have deleted multiple texts and voice mails regarding this, as well as blocking numbers, but I still have records of the following contact attempts : XX/XX/XXXX voice mail stating they have been retained by check n go to file for judgment XX/XX/XXXX text message received stating garnishment and tax levy XX/XX/XXXX voice mail stating they are filing for garnishment and tax levy
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| 10/20/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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|
Web |
|
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I have been contacted multiple times by a company XXXX XXXX. I have tried to explain that I have contacted Check N Go, which is who the debt was originally from, and they dont have any records of me obtaining a payday loan. This is what I have tried to tell XXXX XXXX but they have said theyre just going to sue me, and my recent call they said theyve sent the paperwork to garnish my wages. I tried to tell the female at extension XXXX dont contact me anymore by phone, I will gladly give you my address so you can send me something by mail. She said that wont be necessary, we are in the process of filing paperwork to garnish your wages and hung up on me. I called them back at XXXX and I kept getting hung up on by multiple females. I finally got XXXX, XXXX to speak with me, I just said I need to speak with your supervisor. She said I had already spoke to him and that he wouldnt take another call from me because theyve already started the process to garnish my wages. I said I just want to tell XXXX of you that I dont want contacted by phone anymore and if they did I would contact the fair credit bureau, she said you dont need to tell us that just go ahead and do it.
|
| 08/02/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
Servicemember |
|
XXXX contacted me XX/XX/XXXX stating that they were consumer location services and gave me a claim number of XXXX and told me to call XXXX regarding the claim. The representative told me that there was a warrant for my arrest out of XXXX XXXXXXXX XXXX I called the XXXX and gave the woman " XXXX '' the claim number, but she refused to tell me what this was regarding, told me that I'd be going to jail and good luck, then hung up on me. I called back and got someone different and she advised me that this was regarding a {$200.00} pay day loan from XXXX from Check n Go. She told me that I was being charged with Breach of Contract by failing to pay for the loan, defaulting on a loan agreement, and defrauding a financial institution because my bank account closed. I went through XXXX XXXX and lost my job as well as had my bank account go into the XXXX XXXX because of the XXXX that occurred. My ex was writing bad checks online using my information. She wouldn't listen to me, she told me I had to pay XXXX XXXX upfront and if I could not then they will be at my place of residence or employment tomorrow with court documents charging me with felonies out of Kentucky.
|
| 02/03/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
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In XXXX I got a personal loan from Check N Go. The loan was wrote off as bad debt and sold to XXXX XXXX XXXX. I received a call from them yesterday ( for the second time after talking to them a month ago ) from XXXX in reference to account number XXXX. The collection agent informed me that they were going to file criminal charges for fraud towards their company they were collecting for Check N Go as well as garnish my wages/bank for funds owed. I informed the representative I spoke with his company the month prior and informed I filed Bankruptcy in XXXX and it was discharged in XX/XX/XXXX. I informed Check N Go was in fact included. I informed the representative that this time they would be hearing from my attorney for pursing the debt after notification. I did contact my attorney and was told he would be sending a cease and desist notification as well as a notice of what could happen if they continue. I have also contacted the XXXX and MO attorney general ( since I work in Missouri, but live in XXXX ) and now you all. I don't want money, but I do want their predatory collection practices looked into and the company fined for threatening with out intent.
|
| 02/06/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
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XXXX XXXX contacted my employers and family members about a payday loan from XXXX XXXX XXXX from 2008 that he said was connected to an XXXX XXXX XXXX account. He said not paying the debt would result in damaging my credit that he knows Im working on and that I will have a judgment filed against me in court for {$500.00}.
I am not only not aware of any debt but I havent had an XXXX account for 15 years. I also expressed my concern that he would call about a debt from 10 years ago. When I told XXXX XXXX I was concerned about fraudulent activity he condescended to me and said he would go to the police department with me. I asked him for XXXX XXXX XXXX information and he said he would have to email it to me. I told him this whole situation has me very concerned about providing my personal information so he declined to give me XXXX XXXX XXXX information.
He also harassed my elderly father who has serious health isssues and XXXX XXXX told my father that I owed XXXX XXXX XXXX {$500.00} and that he would sue me if he didnt get in touch with me which caused my father to call me while I was at work because he was so upset by his conversation with XXXX XXXX.
|
| 08/16/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Received call from XXXX XXXX XXXX representative stating I did not pay for the loan that was taken out on XX/XX/2018. I have previously taken payday loans from this company and have paid for all of them but this one was not me. I did not receive any emails or notification that a loan was taken out and I checked my bank account and funds were not deposited into my account. I logged in to the website and the bank account associated to my account is not mine. I don't know how it was changed and advised the representative that this was fraud. They advised me to log into a website to submit a fraud request which I did. Within a week I received fraud paperwork which I filled out and send to them. On XX/XX/18 I received a communication from XXXX XXXX XXXX advising that this debt is now been acquired by another company and I am now receiving collection calls from a debt collection agency. I contacted XXXX XXXX XXXX on XX/XX/18 and advised I had opened a fraud case and of the communication I had received and they advised me they would have a fraud representative contact me in 48 hours. I have not received anything from them and continue to receive phone calls.
|
| 03/25/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
I had a lady calling me asking if I was this person I said who is this she goes I 'm a secretary let me transfer you to the investigator while I was waiting you can hear a beeping like she was calling XXXX way.Same lady gets on the phone and started harassing me over an old payday loan telling me I 'm going to have a felony warrant out for my arrest for fraud. I used my old roommates credit card to pay what I could back in XX/XX/2012. Well she was stating she is having my old roommate charged with fraud also because I used his credit card. I called local police department and told the officer what was going on and the officer told me I can not be arrested over a payday loan because its a civil matter. The lady said she works for XXXX and associates. I googled the phone number and it came back with a bunch more phone numbers. The phone number they called me with is XXXX. The only company with the name is a construction company in XXXX, Washington. She is harassing my family and friends.She threatened to have my child taken away from me. Instant panic and crying. I googled the XXXX law associates and the BBB has XXXX complaints against XXXX XXXX XXXX
|
| 06/04/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Older American |
|
There are in fact two or more companies whose MO is exactly same. Initially they used to call and leave message saying a case is being filed in court and need to verify address & asking to call particular number and refer File number. They even had some of my family and friend 's phone numbers and called them as well. Debts are six to seven year old and they are still threatening to file law suit as per their letters. Both letters from different states are identical in nature. Looks like they are using phantom names and mail box as street address. Debt collecteors are required to inform debtor on certain form that this is debt collection but it is not their style. They simply threaten to file lawsuit and report to credit bureau. Their letters show case filed. Have received two identical letters. One from XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX AZ XXXX and second from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX OH XXXX. Both have similar content and both seem to be operating from po box . Debt are two old to file lawsuit. Debts have passed two year debt collection limit through lawsuit.
|
| 10/19/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
I have received several calls from XXXX XXXX XXXX stating that I owe for unpaid payday loans. They have accused me of check fraud and stated that they would be contacting the county office to file charges against me. I have told them that there were several internet payday loans taking out in my name and that I have been in the process of proving that it was not me. He stated that I was lying and that I stole money and closed my bank account so they could n't collect on it. I told him that the account was closed due to fraud, money being taken out, my personal information being compromised. I was talking loud because I was using the hands-free option in my vehicle. This processor called my job and left a voicemail stating that they would be calling me back and that next time I need to not be hysterical and that I would be served at my place of employment. He ended the call with " good luck catching the dogs. '' I have no idea what this meant, but I kept the recording and I want the harassment to stop. I 've had enough issues with my information being stolen and now I have to be threatened with legal action for something I have never done.
|
| 01/14/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have been trying to work with Check N Go loan company to pay off a payday loan I had with them. Ive called their company about 2-3 years ago and they at first said they didnt have any record of my account/ loan. Then I called back a year later and spoke with a woman who said they sold my debt to another company. She gave me the info, I called that company and they said they sold it to a company called XXXX XXXX or something like that. When I called that company a man answered the phone, he sounded very unprofessional and didnt know why I was calling. He said he was just the answering service and would have someone call me. Well its been 2-3 years since then and no one has called. My family keeps getting phone calls from fake debt collectors, and none of which I could find any information about. They have been rude, demanding me to verify personal info, which I have not. They just hang up on me, tell me not to call them, when theyre the ones contacting my family and me. Ive demanded to get a debt validation letter from them, theyve refused to send me anything. And then the calls will stop, but then start up a few months to a year later.
|
| 11/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
AXCSSFN/CNGO XXXX XXXX XXXX Account XXXX : XXXX Account Type : Installment Account Type - Detail : Unsecured loan Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : Balance : {$0.00} No. of Months ( terms ) : 17 High Credit : {$2500.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff Last Reported : Comments : Purchased by a another lender.
Unpaid balance reported as a loss by credit grantor.
Sold to : XXXX XXXX XXXX, XXXX XXXX XXXX NEVER LATE, ACCOUNT WAS PAID AS AGREED.
Date Last Active : Date of Last Payment : Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this company has provided no proof but still reports incorrect in complete information on my report please remove trans and XXXX have removed this account due to incorrect information
|
| 03/30/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
Older American |
|
To Whom It May Concern, This Complaint is regarding a company known as CHECK N GO, Account number : XXXX Amount Borrowed : {$5000.00} Payments made to date : {$3000.00} May I ask for your help? I have tried on numerous occasions to make contact with the corporate office of this company. All that I am told to do, is to leave a message. To date, there has been no response. This company is charging an Annual Percentage Rate of 124.85 % I have been told that the State of Wisconsin, has no regulation for these types of loans. Given the COVID-19 Virus crisis, I have had to file for unemployment. My wife has XXXX and this loan was taken under duress, as a large sum was needed as a co-pay for XXXX XXXX. How a state allows such thievery, must be stopped This is predatory lending. I have tried to make contact with this company, as all of America is in need. When speaking to their agent, I am told that if monthly payments are not made on time, my personal credit will be attacked, as the company has no forbearance plan of any kind. A complaint has been filed with the Wisconsin Department of Financial Institutions file # XXXX as well. Thank you.
|
| 11/20/2018 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I continue receiving bills from XXXX XXXX XXXX on an account that I paid off and closed months ago. I do not understand why I keep receiving invoicesfor an account that was closed months ago. I made my final payment and requested my account closed but approximately a month or two ago, I started getting new bills indicating that I still owed a balance on the account. I called the corporate office and asked to have my concerns escalated to supervisor fora callback but no one hasreturned my call so far. Today, I received another statement showing that I owe {$320.00}.
WHY DO IOWE THIS AMOUNT? THEY ARE SUPPOSEDLY CHARGING ME A MAiNTENANCE FEE ON AN ACCOUNT THAT I REQUESTED CLOSED MONTHS AGO WHEN I MADE MY FINAL PAYMENT?
IN ESSENCE, TRYING TO RIP FOLKS OFF BY CHARGING A MONTHLY MAINTENANCE FEE FOR APPROXIMATELY XXXX. WHY ARE THEY MAINTAINING AN ACCOUNT WITHOUT MY PERMISSION I PAID ALL THAT I OWED THE COMPANY AND MUCH MORE THAN I BORROWED BASED ON THE HIGH-INTEREST RATE THAT THEY CHARGE AND NOW THEY WANT MORE MONEY.
CLOSE THE ACCOUNT AS I REQUESTED WHEN I MADE MYFINAL PAYMENT AND STOP SENDING INCORRECT BILLS TO ME WITH NEW CHARGES.
|
| 03/02/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX has within the past two weeks contacted by brother, sister, brother in-laws, mom, ex husband, former employer and an old roommate. After my brother was contacted I called the number given to him and asked for clarification of debt or something in writing. The guy told me I was refusing to pay by asking that and wanted a debit card number for payment. I refused, he also stated to my brother in-law that it sounded like he didn't have a job and he could fill out a loan application.
This harassment has caused extreme problems in my life and the constant phone calls to my family, ex family, ex employer and ex roommate are beyond extreme.
I asked the gentleman that answered when I called how he got my brothers information and he said he looked up all of my contacts. My brother in-law was also told that I used him as a reference which I would never do because I can't stand him. They are asking for {$940.00} for a XX/XX/2016 debt that I don't recall having with checkngo. I had a previous loan with the company that was paid in full. These people are extremely rude, aggressive and vague on every conversation they have had.
|
| 09/01/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
On XX/XX/XXXX @ XXXX pm- Called the store and asked what kind of options I have as I have found myself unable to make upcoming payments. Lady ( I think I spoke with XXXX XXXX said there were no grace periods and she didn't know what to suggest. I told her I would try to figure it out.
On XXXX XXXX I missed their call at XXXX, but called them back at XXXX. My payment was due on this day. Again told the lady there was no way I could make the payment, told her I had one more option I was going to try with hopes of finding out that evening, which I couldn't. I told the lady not to draft my account as it was already in the negative so they didn't need to run any drafts and cause me more unnecessary fees.
My account is set up for me to manually make my payments, not to draft.
Monday morning ( XX/XX/XXXX ) I got an alert that my acct had been drafted and upon logging on, I noticed the payment from Check n Go.
I have no intentions of letting this loan go completely, but I have expressed more than once that I am unable to pay right now. They were told more than once during the phone conversation on XX/XX/XXXX NOT to draft my acct.
|
| 05/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
This company has called me repeatedly for years telling me they are ready to proceed with court against me for a loan taken from a payday loan company. I have never used a payday loan place like that. When they call, I ask for an address so I can formally request proof of debt and I am constantly told that I need to call Check and Go. When I press for a po box I am told they don't have to give me that information. I can't even get a company name from them. They have told me repeatedly they served me with legal paperwork, I've given my updated address several times but have yet to receive anything from them.
Supposedly this loan was taken out in the early XXXX 's and sent to a bank account in my name with a bank I have never used or had an account with in a state I have never lived in nor know anyone in.. I've contacted the bank I was told about they have opened an identity theft case.
They also use an XXXX area code number to call me but when I answer an automated voice tells me to have either my lawyer or me call an XXXX number.
At this point, I'm waiting for something to happen so I can at least see the paperwork.
|
| 10/12/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
I 'm getting calls and notices stating I owe {$2300.00}. Recently, I received a free credit report and noticed that XXXX XXXX XXXX XXXX.is trying to collect {$2300.00} for Check N Go. I recently received my credit report and it states XXXX XXXX XXXX XXXX opened a collection on XXXX XXXX. I opened a payday loan with Check N Go in the amount of {$2300.00} on XXXX XXXX, XXXX. I made a payment in the amount of {$310.00} on XXXX XXXX, XXXX and on XXXX XXXX, XXXX. I then submitted a complaint XXXX on XXXX XXXX, XXXX. Check N Go. replied and it was agreed I would make payments in the amount of {$200.00} starting XXXX XXXX, XXXX thru XXXX XXXX, XXXX. I defaulted in my loan as of XXXX XXXX where my last payment was for {$100.00}. Up until then I paid {$900.00} plus the XXXX payments of {$310.00} totaling XXXX. According to Check n Go, I owe {$100.00}. I started making payments again as of XXXX XXXX, XXXX In the amount of {$200.00} thru XXXX. I have statements and receipts proving I made payments. The only receipt I do n't have is paying {$100.00} in XXXX of XXXX. Can XXXX XXXX XXXX, XXXX open an account after 4 years of opening?
|
| 01/02/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
My father in law was contacted by a " XXXX XXXX '' from XXXX XXXX XXXX, out of XXXX XXXX, TX. XXXX stated they were looking for me, for theft of goods and services. My father in law gave me the info to call. I called within 5 minutes, and spoke to XXXX, he told me I owed XXXX for a payday loan from Check XXXX XXXX Go that was taken out XX/XX/XXXX. ( The loan was only {$500.00} at most, per state of Oklahoma laws ) He then asked me what happen and why did I stop paying- I didn't answer his question and advised him the debt was too old, and past the statue of limitations. He then said I made a payment on XX/XX/XXXX ( I did not make a payment ). So I asked for proof. He told me he couldn't do that. I stated he had to give me proof of debt, he again refused because they were going to be filing to sue me the next day. He stated he was the attorney representing the case, I asked him as the attorney he should be able to send proof of debt, he again stated he can't. So I told him okay, than this isn't legal debt collection practice which he argued it was, refused to send proof, and told me good luck in court- he then hung up.
|
| 07/26/2016 |
Yes |
|
- Payment to acct not credited
|
|
Web |
Older American |
|
I received a payday loan from Check and Go and had an emergency and had to pay the fees and asked to borrow more money. XXXX times I spoke to a representative they told me that I could make payments at any time, not just on the next pay-day. I asked this question specifically, and they told me yes, I could make payments before the due date. When I attempted to do this, I was told I could not do it. Each time that the finance fees were charged, the loan just exponentially got bigger and bigger. I feel like they took advantage of me when I was down and now they are calling from a company called XXXX and telling me I am going to be sued. I told them that I would have to make payments and asked a few questions and the representative from the claims department started yelling at me. They are going to serve me with papers and take me to court and they told me that I did n't have to be there and that they would get a judgment against me for over {$3000.00} and garnish my wages. The loan was for XXXX, but now it is approximately {$1700.00}. I do n't think this is fair and I think that they lie to applicants. Please help m e.
|
| 03/22/2016 |
Yes |
|
|
|
Web |
|
|
Submitted paperwork stating not to contact me more than twice a week ( violated ), not to contact any family, friends or references ( violated ), not to contact me at work or contact my work ( so far not violated ). When she contacted my sister, I called and she tried to lie and state that there was no cease and desist. I told her to go reread that letter. She wanted to know if I would be in that day, last Friday, and I said no my husband has not worked but a couple of days in the last couple of weeks but I would be pay something in two weeks. She hung up on me before all information was given. However, I called back and she refused to answer the phone but I left a message stating this information on a payment in two weeks and letting her know she had rudely hung up on me. She called this morning leaving a message again wanting me to pay immediately and contact her. First, I am not going to talk to this rude lady again and I already told her two weeks from last Friday. I 'm tired of her breaking the law. She calls multiple times every week. Sent paperwork by Certified mail tracking number XXXX received XXXX/XXXX/16.
|
| 01/27/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I received a call from a XXXX XXXX who works for XXXX XXXX XXXX but pretentious to be a police officer. He first contacted my sister in law threathening to lock her up if she did n't pay him XXXX dollars within one hour. She intern called me. And gave me a phone number for him XXXX. I called him and he wastalking about coming to arrest me and my sister in law if I did n't pay him XXXX within one hour. He was very rude and threatening me with cursing and coming to lock my a up. I also was called from his office by a female who just impose as a court clerk. The phone number she used was XXXX which appeared to be a XXXX bogus phone #. I was threathen by XXXX XXXX and his associates which I an XXXX and have health issues that caused me to have a XXXX XXXX. And they caused my sister in law XXXX XXXX XXXX. Something needs to be done about this. A friend of mines paid XXXX to this company because of his threats. And in personinating an police officer is a crime as well as communicating threats. Please get this man and his associates. His phone number is XXXX. Help my name is XXXX XXXX my email address is XXXX XXXXXXXXXXXX.
|
| 07/26/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I periodically review my credit report and axcess-financial/check n go appeared on my report. I previously requested a validation of debt but didn't get it until I filed a complaint with the XXXX regarding the matter and requested a validation of the debt. The company alleges I took out a payday XX/XX/XXXX in the amount of XXXX and paid XXXX before it went into default and was charged off XX/XX/XXXX, then sold to XXXX XXXX XXXX XX/XX/XXXX. Some areas of the documents are not initialed or signed, some of the amounts are incorrect or missing and I attempted to go to the location on the document to speak with someone in person because I don't recall this debt but there isn't a check-n-go business present. I received a notice in the document stating " This letter is an attempt to collect the debt described above '' but the letter itself states " Check 'n Go is not a collection agency or a debt collector ''.
It shows in the installment Summary displays an ACH Return XX/XX/XXXX ( 2 years after the alleged debt was written off ), Past Due and Open. 2 years later XXXX was added 9x with an additional XXXX totaling XXXX.
|
| 04/26/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I got a call from third party debt collection company called ( XXXX XXXX ) they said they were contacting me on behalf of Check n Go for a debt I had back in 2015 for {$690.00}. They told me they will take me to court if I didnt pay the {$690.00} today. I wanted to make sure this was a legitimate company. So I asked some additional information, wanted there website, asked for the main number. The guy refused. Then I asked can I just pay check n go directly. He said no, I have to pay them or they were turn it over to XXXX superior court, and I will go to jail. Then he went on to say I had a failure to appear in court already. But he will solve it today over the phone with payment.
At that point i told the guy, can I call back so I can get more information.he said no this is my last chance because they contacted me before. So I just hung up the phone. After I hung up, I looked up check n go. All the locations are closed. I remember when I got this call few months back. I also looked up check n go. All locations were closed then too. Not sure if they were closed because of COVID-19 or if they went out of business.
|
| 10/11/2016 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
|
|
I paid check n go {$550.00} by my debit card by phone. Later when o checked my account there was a pending charge for {$490.00} that I did not authorize. I contacted them and they stated that it was n't in their system so there was no way for them to reverse the charge and assured me that the charge would fall off. I expressed my concern that this pending charge would cause my rent to bounce and they advised that anything that I am charged such as bounced check fees or late fees as a result of their error would be reimbursed. My bank was unable to do anything because it was a pending charge and had not gone through yet.Because of this I went ahead and paid my rent hoping the charge would fall off. It did n't fall off until 5 days later and as a result my rent bounced and I was charged {$200.00} in fees. I contacted check n go and advised I have screen shots of my bank acct as well as a letter from my bank proving all of this. The rep spoke with his manager who said that they will not help me because they do n't show it in their system. I asked to speak with the manager and I was told no to go online and complain.
|
| 06/08/2015 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
In XXXX I got a loan from Allied Cash advance. I had shortly after lost my job and was not able to repay it. They then sent it out to collections. On XX/XX/XXXX I had a company called XXXX call me and try to resolve it. They sent me a validation notice and the whole XXXX yards. I payed the amount they contacted me with and then sent me a document with the amount paid and account number, file number, and saying that it releases me of any obligation of this matter. Well today, XX/XX/XXXX a company called XXXX XXXX called me. I spoke with a lady named XXXX XXXX ( supervisor ) at XXXX. She was really rude and kept insisting I pay and she kept saying she would n't send me a validation notice or anything. I tried telling her that I had already paid it with another company and tried giving her their name, number, and account number but she kept saying that they 're going to contact my HR and have my wages garnished and stuff. She simply said they don'y send out validation notices because " they just do n't have time to '' and that this is just a courtesy call that they do n't usually do this. SPAM!!!!!!!!!!!!!!!!!!!!!!
|
| 07/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.
CHECKNGO/AXF XXXX Date Opened XX/XX/2019 XXXX {$0.00}.
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
|
| 01/10/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
XX/XX/XXXX I TOOK OUT AN INSTALLMENT LOAN FROM XXXX XXXX FOR {$3200.00}.
I WAS INJURED AT WORK XX/XX/XXXX AND ENTERED INTO A REPAYMENT PLAN IMMEDIATELY W/GREENPATH FOR LOWER PAYMENTS. ON XX/XX/XXXX I OWED XXXX XXXX XXXX {$1600.00}. XXXX XXXX XXXX ACCEPTED THE AGREEMENT WITH XXXX BUT SINCE THEN I HAVE GOTTEN MORE THAN 7 DIFFERENT BALANCES OF WHAT I OWE FROM BOTH PARTIES W/O THE BENEFITS OF ANY MONTHLY BALANCE STATEMENT.THAT REMAINS CONSISTENT. BEING FRUSTRATED WITH BOTH COMPANIES I DECIDED ON XXXX BREAK I ADDED UP HOW MUCH I PAID TO THEM SINCE MY INJURY AND REALIZED I OVER PAID XXXX XXXX XXXX YET THEY ARE STILL SAYING I OWE THE COMPANY MONEY. I CANT LIVE LIKE THIS ; I NEED TRANSPARENCY AND TO BE CLEAR ON HOW MUCH I OWE AND NOT CONSTANTLY CHANGING MY BALANCE. I HAVE SPOKEN WITH BOTH COMPANIES AND HAVE GOTTEN NO WHERE, XXXX REP. SAYS XXXX XXXX XXXX HAVE EVERY RIGHT TO ADD WHAT EVER INTEREST THEY WANT INTO THE CONTRACT. THAT IS NOT WHAT THEY SAY IN THEIR CONTRACT THEY SAID THEY WOULD FOLLOW THE TRUTH IN LENDING ACT BUT THEY ARE CLEARLY NOT. THIS IS EATING AT ME I WILL NEVER FINISH PAYING THIS COMPANY.
|
| 01/13/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
To whom it may concern, I am very disturbed about my dealings with a company know as Check n Go I was under the impression that given the CARES ACT in place given the pandemic, that 300 % interest rates had been curtailed. I have dealt with this company in the past and the interest rate had been halted due to the virus.
The loan for {$5000.00} was opened in XXXX of XXXX and to date XX/XX/XXXX I have made a substantial payment of {$1100.00}. When contacting the company, I was told that the monthly interest had already accrued and I was owing exactly what I had initially borrowed all over again.
This is unethical and constitutes thievery. I am operating in good faith to pay back a loan as quickly as possible but was told by an employee that the first nine payments go entirely to satisfy interest only resulting in a XXXX XXXX dollar balance owed.
I ask for the help of the CFPB to make contact with this organization and to reign in this practice once and for all. This is resulting in taking severe advantage of people that have no idea of the methods of this company and their true stealing practices.
|
| 03/28/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I received a phone call from a XXXX XXXX. She was very rude on her message didn't state what company she was calling from. All she did was leave me a voicemail stating I was getting served through the county i live in. She also stated she was going to call my work and supervisor in reference to this claim. I am beyond upset due to the harassment this company did towards me. All she did was left me a call back number and a case number. I called the number tried to research the company and there was absolutely no listing for the number.
When I called the number all they did was state there name but nothing about the company name. I asked what the company was and they stated it was securian that they serve paperwork for lawyers. When i spoke to the other representative she was very rude towards me stating they were going to serve me with legal paperwork and they where going to go to my place wherever i was at. That this was a debt from Check n Go from 2017. This company is very abusive and they threaten people without any feelings or what they will do to you. The only thing I have is a number XXXX.
|
| 03/28/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
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I received a phone call from a XXXX XXXX. She was very rude on her message didn't state what company she was calling from. All she did was leave me a voicemail stating I was getting served through the county i live in. She also stated she was going to call my work and supervisor in reference to this claim. I am beyond upset due to the harassment this company did towards me. All she did was left me a call back number and a case number. I called the number tried to research the company and there was absolutely no listing for the number.
When I called the number all they did was state there name but nothing about the company name. I asked what the company was and they stated it was XXXX that they serve paperwork for lawyers. When i spoke to the other representative she was very rude towards me stating they were going to serve me with legal paperwork and they where going to go to my place wherever i was at. That this was a debt from Check n Go from XXXX. This company is very abusive and they threaten people without any feelings or what they will do to you. The only thing I have is a number XXXX.
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| 11/18/2015 |
Yes |
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Web |
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Last XXXX I took out a payday loan through Check N Go. A few weeks ago I was contacted by a law firm based out of Texas called XXXX XXXX XXXX XXXX XXXX, stating that Check N Go was going to sue me ... unless I paid {$700.00}. I was a dummy and gave them my credit card information over the phone to set up payments ... then cancelled my card thinking it was a scam. I was sent a document via email to sign verifying my payment agreement, which was apparently XXXX. I was told this was taken care of from the law office, not another debt collection. Different phone numbers and location, but XXXX automatically transferred me to the same woman who keeps calling from the law firm, XXXX XXXX. I contacted Check N Go, and the debt was sold to XXXX XXXX XXXX, then contacted them, and the debt was only for {$500.00}, and they said it has been bought by XXXX XXXX XXXX. None of this is on my credit report, nor have I received anything in the mail from any creditors listed above. I just do not know how to figure out what is real and what part is a scam. I live in Ohio ... and all of this is coming from Texas.
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| 01/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Older American |
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XXXX XXXX aka Check N Go are reporting to both my XXXX and XXXX credit reports that this account is charged-off and is closed and past due for more than {$1400.00} dollars in past due payments none of which is true.
I spoke to the this creditor 's branch office at phone XXXX XXXX XXXX and was advised by XXXX that the account was not charged-off, but 30 days past due. I didn't agree and asked for an itemized statement on XX/XX/2021 which was met with the excuse that she would email her manager to get an itemized statement. I paid the allegded past due payment without proof that the account was past due.
I contacted XXXX to have the item disputed. They didn't updated to reflect current accurate information that account was not charged-off.
I contacted XXXX XXXX corporate office referred to the collection department and was advised account was not in collections and was referred back to branch office to resolve this matter. Branch office when contacted said they don't have authority to make corrections to credit report but did agree that account wasn't charged-off or past due.
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| 01/20/2018 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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I spoke with XXXX on XX/XX/XXXX and advised that I did NOT WANT my payment to be debuted in the XX/XX/XXXX, and wanted it to be debited on the XX/XX/XXXX. She said that she had changed to date and that the payment would not go through. However the payment still came out on the XX/XX/XXXX due to her not canceling the auto debit, which in turn cost me overdraft fees with my bank. I called and attempted to resolve the issue with her and advised this was her mistake which she admitted but she said there was nothing she could do. I advised her that this is the second time that she has made this mistake and during the last mistake she even offered me a personal loan due to her error. I respectfully declined. My bank did a conference call and she also admitted to them that it was her fault however she said she had no way of reversing her error. She also admitted that she finally opted me out of auto debit ) which should have been done ). I spoke with her this morning and she advised her district manager said they are not refunding the fee or reversing the payment although it was her error.
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| 10/17/2018 |
No |
- Debt collection
- Payday loan debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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company called me, my mother, and my husband. Threatened that if I did not call in a timely manner I would face charges and that I was being sued for fraud. the contact number given was XXXX with contact XXXX XXXX. after numerous harassing calls to my family ( in which they gave information about me to whoever answered the phone ) I called to see what I could do to make it stop. I was told I owed a debt to XXXX XXXX XXXX for a payday loan back in XX/XX/2008which is inaccurate ( icalled them to check into this and they confirmed I had no debt with them ) I asked the company to take all the numbers out of their system and stop harassing my family about a fraudulent debt. She ( XXXX ) refused to do so and said " I guess you should of thought about that when you put them down as references for your loan '' I told her XXXX XXXX XXXX shows no such debt and she said well it was sold to someone else ... after much coercing she gave the company name of XXXX XXXX but was unable to give me a contact number. I have never received documentation regarding a debt and I want the calls to stop
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| 09/16/2016 |
Yes |
- Debt collection
- Payday loan
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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My Credit Report now shows a " Collections '' account regarding a " Check N Go '' account from 2011 being collected ( and reported to Credit Bureaus ) by XXXX XXXX XXXX in XXXX. I immediately contacted XXXX and told them this was not my debt. They did not contact me prior to reporting ( despite having my email address ).
They advised me to send them a Police Report ( I.D . Theft ) and they would remove it. This was done. They then asked for an Affidavit, which I completed. XXXX XXXX XXXX is polite but they are not transparent about the status or anticipated resolution.
They illegally reported this, they did not contact me prior, and they have not yet removed this despite me complying with every action they 've asked me to take. When I ask about resolution.. they respond " It 's in " Research '' ''.
I did have identity theft in 2011 and had to change my bank account. I explained this and provided them with a police report.
There is no apparent resolution, yet my credit report has been severely impacted and I was denied a XXXX card which I needed for work expenses.
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| 08/27/2019 |
Yes |
- Debt collection
- Payday loan debt
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- Threatened to contact someone or share information improperly
- Contacted your employer
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Web |
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Ms. XXXX called me XX/XX/XXXX, trying to collect a debt from XX/XX/XXXX. She would not verify herself, her company, and she did not verify me. She did not read the " this is an attempt to collect a debt '' nor was i on a recorded line. If i was on a recorded line, she did not notify me. She told me I had ONE hour to pay. I told her I needed time and needed to research this before paying. She then somehow called my boss 's mobile phone, was rude to her, and this was extremely embarrassing to me at my place of work. When I called her back ( I called her on an XXXX number, she answered " hello '', she did not answer with a business name ) to tell her it is illegal to contact my boss, and it is also illegal the way she handled the entire call. She became irate, unprofessional, and told me to " quit stealing money and I should know better '' then she became threatening, and told me to " just wait '' There are SEVERAL Fair Debt Collection Act violations in this scenario, and I can not find any information on " XXXX XXXX '' there is also a XXXX number she has called from.
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| 03/26/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
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Web |
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XXXX XXXX XXXX is a creditor reporting on my credit. They sold the debt to XXXX XXXX, XXXX. XXXX XXXX went through proper channels to send documentation stating they own the debt. At least six months to a year went by and XXXX XXXX then sold the debt to XXXX XXXX XXXX. XXXX XXXX XXXX has not sent any documentation proving they now own the debt. I did speak to them once to obtain a letter that reflects a payment arrangement. I did not sign the payment arrangement agreement. They got my debt in their office and started calling me along with my boyfriend before sending any documentation via mail or email. The one document I did receive was a payment arrangement that I did not sign. They still proceeded to take my payment anyway without my signature and have left me two voicemails today. I have zero evidence that they own this debt and each voicemail they leave keeps getting more aggressive & threatening each time. They are in violation of FCRA, as they are contacting me about a debt for which they have no evidence, if they do they have failed to mail or email me.
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| 12/12/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
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Despite having made all the payments on this loan, XXXX continues to demand money from me. I ordered a stop payment on their automatic debits through my bank on XX/XX/2023, but I've continued to receive emails from their collections department, indicating that I have an outstanding balance of {$1000.00}. The most recent email was dated XX/XX/2023, and did not include any proof of the outstanding balance. On XX/XX/2023, I sent XXXX 's collections department a letter describing the situation, and with this letter, I included proof of all payments in the form of bank records and a copy of my loan agreement, listing the payment terms. Having received no reply to my letter and documentation, I sent a near-duplicate letter on XX/XX/2023. Ultimately, XXXX has failed to acknowledge my payments totaling {$4200.00} for an original loan amount of {$1200.00} at an interest rate of 220.40 %. They need to recognize my proof of the payments, acknowledge that the loan has been paid in full, and report the loan to all three credit bureaus as having been paid as agreed.
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| 05/02/2017 |
Yes |
- Debt collection
- Payday loan debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I was contacted by a rep claiming I owe debt to a XXXX loan company. Which I do not owe and have asked repeatedly for them to send me verification of original debt, they refused and told me to pay by credit or debit card. If I refuse they will have police arrest me. A rep by the name of XXXX XXXX , XXXX , XXXX and XXXX XXXX have repeatly called my job with threats and cursing me when I refuse to give them my card info. My employer is threaten to relieve me due to constant calling from this company. I asked for address, and representative number and they refused. XXXX XXXX stated I was stupid because I would not allow him to get my financial information. The collection practices of this company are far from practices of a legit collection company. I ask that something be done to alleviate this harassment and have this scam company be held accountable. Last contact was on XXXX XXXX and I was contacted on my job 8 times with threat after threat by different reps and giving me different company names and amounts owed.
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| 07/09/2021 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On XX/XX/2021 at XXXX I received a call from the telephone number XXXX there was an automatic message that said this was my last chance to pay them and solve a problem or they were going to sue me and withhold money from my paycheck. The recording said if I wanted to speak with a live agent to press the # 1. I did so and XXXX at extension XXXX came on the line. XXXX said that he was with XXXX XXXX XXXX XXXX. He said that their company pays all three credit bureaus to hold accounts with them and that they had the ability to collect. He said that his company had all of my information including my social security number, bank account, and where I was employed. I tried to explain to him that I do not owe a debt with them or Allied Cash Advance. He still insisted that I did and continued to threat that they will take action. They are making false statements and representation, trying to collect wrongfully on a debt that is not owed. They threatened to contact my employer and withhold money. They continue to contact me after I have asked them not to.
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| 02/28/2019 |
Yes |
- Debt collection
- Payday loan debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I received a call from XXXX XXXX around XXXX XXXX, contacted them back to hear they are a 3rd party attempting to collect for XXXX XXXX XXXX. They stated I need to contact XXXX XXXX XXXX corporate office and speak to head person in legal. Contacted XXXX XXXX XXXX local office and corporate office they indicated they given my account to collection and sent to another company not XXXX XXXX. I contacted XXXX XXXX to verify who has my case as I was inform I might be dealing with fraud. Spoke with director of United about issue, he requested personal info I stated I will give any, he then began to call me stupid, and became irate. I informed him that I have already had issues with ID theft and have active investigations into that, gentleman called me a bum and hung. A few hours later I received I received call from same gentleman this time his personal phone number left voicemail stating, '' my case is being processed, and that I am a liar, and a psycho to not contact that office again as I did not follow the chain of title and not very smart.
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| 09/24/2018 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
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- Was approved for a loan, but didn't receive the money
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Web |
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Past Complaint # : XXXX XXXX, ONLINE PAYDAY ADVANCE Am being billed, {$250.00} for a Payday Advance Loan from XXXX Online, that was never deposited into my checking account.
I am a 'victim of crime ', Marsy 's Law, with the District Attorney 's office in XXXX XXXXo , as of XX/XX/XXXX.
Victim of Crime XXXX District Attorney XXXX XXXX County of XXXX XXXX District Attorney 's Office.
Victim of Identity Theft Marsy 's Law.
XXXX XXXX Date occurred : XX/XX/XXXX IDENTITY THEFT has been reported to my XXXX CREDIT REPORT.
XXXX XXXX CREDIT REPORT, INFO : XX/XX/XXXX A fraud alert has appeared on your credit report.
( Please note : the presence of a fraud alert may be repeatedly reported while it is still on your file. ) Processed Date : ( XX/XX/XXXX ) Alert Id : XXXX Alert Type : Fraud Alert Date Reported : ( XX/XX/XXXX ) Comments : Statement added because consumer was a victim of True-Name Fraud.
ALERT # : XXXX # IFCRA I would like my past due : {$310.00}, removed from my XXXX XXXX XXXX account.
Thank you, XXXX XXXX XX/XX/XXXX.
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| 06/08/2015 |
Yes |
- Debt collection
- Payday loan
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- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
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Web |
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This debt is from 2011, a loan from a check cashing company. I became XXXX in 2011 and was laid off not too long after that, When I went into the check & go store, was informed they would not accept cash but illegally debited my bank account and had not given them access for EFT, I was turned over to this same agency and filed a complaint with the FTC and the case against the agency was won and the amount was supposed to been forgiven. Friday I received a phone call on my home phone asking for me, as soon as I answere yes I was told it is a attempt to collect a debt at no time did they identify themselves, when I argued with the girl on line I was transferred to a muscle guy who demanded I pay " or Else '' threatened me with legal action, when I informed him I was XXXX he said that they could seize my bank account, social security XXXX, and all my assets by that time it had escalated into a shouting match, I have received XXXX calls this morning in a row between my cellphone and home phone which was not anywhere on the original debt.
|
| 06/07/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
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Web |
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Was unable to make payments on a loan I took out with Check-N-Go, due to illness. The account was sent to XXXX and they contacted me regarding the debt. I was able to set up good faith payments of {$50.00} per month while I attempted to come up with the money to pay off the account. I was late on my XXXX payment and offered to pay it on XXXX/XXXX/XXXX. The person who had worked with me previously advised that her manager was taking over the account. His name is XXXX XXXX - XXXX x XXXX. I explained my situation and requested we continue the {$50.00} per month payments until I could catch up with my other bills. I advised that I would need until the end of the year. XXXX XXXX was extremely rude, accused me of not wanting to pay my debts, made false statements regarding the value of my home, and accused me of declaring bankruptcy in XXXX, none of which is true. He has threatened to have me sued. I requested multiple times to have him work with me but he declined. His tactics were extremely antagonizing, derogatory, and unprofessional.
|
| 11/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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This company furnished my consumer report without my written permissible purpose.
The law states : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
I didnt give any written instructions for this company to furnish my consumer report under no circumstance.
The law states : 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
|
| 01/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
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I was notified through XXXX that I had a late payment that adversely affected my credit score. Upon further review of my credit report, I had a collection from a debt that is fraudulent listed from XXXX XXXX XXXX with the original creditor being Check N Go at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. I've never been to Missouri or done any business with Check N Go. I've now incurred costs related to this in time to lock down my credit at all three credit bureaus and paying for a monitoring service.
My credit report shows an account opened at Check N Go at the address above on XX/XX/2020 for {$960.00}. XXXX XXXX XXXX issued a collection in XXXX of 2020 for {$960.00} and had it listed my credit report for late payment and collection. I have not been contacted by either company at any time. I'm not sure if this is fraud by XXXX XXXX XXXX or if this is identity theft and my information was used at Check N Go and now XXXX XXXX XXXX is now involved somehow. Either way this is identity or theft by an unknown person or XXXX XXXX XXXX.
|
| 06/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
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XX/XX/XXXX ; let XXXX XXXX XXXX know that I would be on leave without pay sure to XXXX XXXX issues.
XX/XX/XXXX : notified XXXX XXXX XXXX that payments would be starting again in XX/XX/XXXX due to returning to work.
XX/XX/XXXX : called XXXX XXXX store to payoff loan completely and the lady in the phone refused to take my card. I let these people know everything along the way and because they refused payoff I'm in trouble. I'm on a waiting list to medicially retire. I have no income anymore.
XX/XX/XXXX : contacted XXXX XXXX XXXX on XXXX XXXX as soon as I realized they put me as a charge off. I asked her to pull the cal and give me a letter about that conversation.
Today : haven't heard back after she said her or Corp. will call me back in 24 hours.
I truly believe this company is out to hurt the poor. They have poor customer service and its sad because I've had loans through them prior before they changed their employees. Now they won't take a card payment but want my money makes no sense to me. I need help with this problem.
|
| 04/26/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
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I got a payday loan from Check N Go in XXXX Utah on XXXX XXXX the XXXX who helped me gave me the long and I told her I would be in as soon as I got my paycheck sometimes the Friday before the Monday and I would be into paid off in full so I showed up about two hours before close and there was a note on the door that said come back at the bank or something like that so I'm standing there waiting for and here she comes out of the back and she's she's fixing her talk and I'm starting to her parents as dependents to the door and then tells me let 's me in and says that she won't accept my money even though I had that has a note in the dime in my hand I explained to identify to take it home and go to sleep it will probably disappear because I have hands in my residence even while I'm home and she wouldn't let me pay for it and this was clear back it's been a couple few years I got a letter from Mrs and I've been receiving up a lot demanding have the payment. This thief steals food right off of my meal dish leaving me one bite.
|
| 12/18/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Older American, Servicemember |
|
I took out a long term installment loan from Check N ' Go at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ( business is abandoned no one there? ) I went to get a full and proper forensics accounting of my loan and make a Cash Payment as I always have. I could NOT do anything as the business is ( CLOSED ) Permanently as they shut the doors and left? NO one to get in touch with, many people standing outside like me were left in the Dark?
At no time was i ever told the business would suddenly and secretly close in the dark of night and take all records and Vanish and disappear? NO ONE ever contacted me nor bothered to let me know they would secretly close and take all the records and leave going out of business?
As a XXXX XXXX Veteran i have no idea what is going on and what to do, i called the number in the window and NO ONE answered the phone, i called another store and was told " Oh they went our of business due to Misconduct and fraud " I now am left with no records no place to get any help.
|
| 12/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
my complaint is with XXXX XXXX XXXX company I made a loan one time and encountered an abuse.It wasXX/XX/XXXX when I went to make a payment with cashiers check endorsed as XXXX XXXX XXXX a lady at the counter refuse to accept the payment because it was not written as XXXX XXXX XXXX, it was written as XXXX XXXX XXXX.if did not have time to change the office would be closed for four days they would charge me late fee and the bank would charge more fee for not having suficiente fund.This my first loan after I paid it with no even late one day one month later I received a letter notice of data breach.So that induced me to get loan in order to alieviate from someone using my information and get a loan until I do some thing to prevent identity theft.So when they gave me the contract I saw that the score was XXXX, but the next day when I checked my score was XXXX.And this was intentional falsification to jack up the score.Then on XX/XX/XXXX I wrote them a letter how we can solve the situation and never received an answer.
|
| 09/07/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX debt collector called and reported I owed a debt they are collecting. From check n go in 2018. They verified my name and then the last 4 digits of my SSN. I expressed my disbelief in this debt, as I have never used this type of service and was hung up on. I called the number back, another individual answered verified my name, again the last 4 digits of my SSN, and I then asked for my address to receive dispute forms, which was then read to me. I expressed my disbelief and was then again hung up on. The debt, they claimed, stemmed from 2018. I have never used check n go services. Frankly I am in high disbelief that i would have been able to qualify for their services in 2018. XXXX debt collector called from XXXX. I will wait to see if this company can provide proof of this debt. I contacted Check n go, Allied Services debt collector for Check n go, they state they have no record of my SSN. As of now this appears as though a phishing scam or bad collecting practices if this is a real licensed debt collector.
|
| 11/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On more than one occasion including XX/XX/XXXX I reached out to Check n Go and invoked my right to privacy and opted out of them sharing any of my personal information regarding the account with them to any third party, financial institutions, including the credit bureaus. They have failed to comply over and over again. My lawyer has tried to reach their legal offices through certified letter sent out XX/XX/XXXX and through their customer service center XX/XX/XXXX and XX/XX/XXXX to try and reach their legal unit to no avail have not received any responses. I then receive a notice for additional payment that also states they are not held to Fair Debt Collection Practices Act but theyre a financial institution. They are a scam of a company and the CFPB needs to take them down. The Credit bureaus also need to be penalized because its no way they completed a proper investigation when their legal team can not be reached and customer service just gives the runaround. I am tired of being taken advantage of.
|
| 05/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
To whom this may concern the following check and go account and the information reported about this specific account is being illegally reported without my written permission nor was I put on notice before my financial information was shared and furnished to XXXX party non affiliates and is being inaccurately reported by doing so I demand that the late payments or any derogatory remarks or information be deleted immediately from this account and never to be reported again without my written permission your company is in violation of us code and CFR laws and the following violations are 15 usc 6801 also 15 usc 6802 and 15 usc 6803 only resolution I will accept for violating my consumer rights, rights to privacy and my financial information confidentiality u have 7 business days to delete and remove all previous reported derogatory remarks comments late payments etc failure to do so will result in a violation of 15 usc 1681n ( a ) ( 1 ) ( A ) civil liability for willful noncompliance Sent from my XXXX
|
| 09/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX has been contacted many times regarding inaccurate information on my report according to the FCRA AND FDCPA LAWS I have the right to challenge anything that i do not agree with on my report check n go has failed to provide proof of any contracts bearing my signature as well as XXXX has failed and violated the law and my rights to update account status to investigation status 1 ) check n go acct # XXXX -- -remove acct inaccurate reporting 2 ) XXXXXXXX XXXX acct # XXXX -remove acct inaccurate reporting XXXX ) XXXX XXXX XXXX auto pay never been late please correct In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 01/06/2018 |
No |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Opened a XXXX XXXX XXXX account in XXXX which was later closed and subsequently included in a now XXXX discharged Bankruptcy. Yet, the hired debt collector, XXXX XXXX XXXX, continues to inaccurately report this account as opened to credit bureaus. While there is {$0.00} liability, the unclosed debt record is negatively effecting my overall credit. I have submitted more than a dozen combined disputes to the 3 credit reporting agencies and I have contacted XXXX XXXX XXXX directly and with no response or updates to my credit reports. I have exhausted all options and I am reaching out in hopes this can be rectified and that XXXX XXXX XXXX will be penalized for inaccurately reporting my account.
XXXX - XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - XXXXXXXX XXXX XXXX XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - XXXX XXXX XXXX XXXX Online Dispute XXXX - XXXX Phone Dispute XXXX - Letter to XXXX XXXX XXXX XXXX - Email to XXXX XXXX XXXX
|
| 06/30/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
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In XX/XX/2020 I spoke with the customer service representative and stated that I was having trouble making payments due to being furloughed because of COVID-19. He stated that I could make a payment as soon as I could.I made the payment. I was experiencing more furloughs and could not make the payment. I contacted the store to set up arrangements. She stated that the system was down and she could not access my file. She said she would contact me when the system was working again. I never received a call. I then received notification that there had been changes to my credit report. The company reported me 30 days late. Now they added another 30 days late. My payment record was perfect until the pandemic. I could not understand why they would report to the credit bureau 60 days late during this time. Now my credit score has dropped significantly. They are now calling my job and my phone constantly. When I answer the phone they won't say anything. This is in violation of the Fair Credit Practices.
|
| 12/18/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
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Web |
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I was contacted by XXXX XXXX XXXX on my mother 's phone they said that they would be submitting my debt from XXXX XXXX XXXX to XXXX County to serve me with a court date if I did not pay. I called this company to set up a payment arrangement for {$730.00}. I completed payments on XX/XX/17. I never received a final payment statement showing the account was paid off. I have since been contacted by another collections agency for the same debt who said that they bought this debt directly from XXXX XXXX XXXX. They did not show any records of my payments. I have since tried to contact XXXX XXXX XXXX via all 3 numbers in my submitted document. One number is disconnected and the others do not ring at all. I am very upset as I do not have expendable funds. I am now paying the new company who has the debt. I googled this company and see may complaints of the same thing happening to other people. Their address I found via one complaint form is a XXXX box. This is a complete scam and I want my money back.
|
| 10/21/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
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Web |
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I was contacted by my mother on XX/XX/XXXX who contacted me in regards to someone saying they were with the State trying to collect on a bounced check for a payday loan I took out back in XXXX. I was given a phone number and a person to contact. When contacted the person she said she was a mediator between the payday loan company so the pay day loan company wouldn't take me to court and place a judgment on my credit report for the amount owed of {$580.00}. She then said I needed to pay the balance in full if i couldn't pay the balance in full it could be broken into 2 payments of {$290.00}. She then transfered me a guy who said he was on a state recorded line to make a post dated payment for the amount of the full balance in two parts which was more than I received from the payday loan XXXX {$300.00} ). I then received a docu sign document for a dollar amount as a promise to pay in regards to stopping " Court Process and attorney fee 's ''. from a XXXX XXXX to my email address on XX/XX/XXXX.
|
| 08/09/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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The company, XXXX XXXX XXXX XXXX XXXX ), if it is an actual company and not scammers, is claiming to collect on an old payday loan from Check N Go and is using shady tactics ( via robocalls ) such as threatening to come to my home and place of employment so I can sign so " documents '' as well as harassing me by calling my phone back to back all day long which is a violation of the FDCPA ( so far today they have called me at XXXX, XXXX, XXXX, XXXX, XXXX, and again at XXXX in which they called 3 times within XXXX seconds ). This company is also spoofing numbers to call me which technically is a violation of the FDCPA because they are not properly identifying themselves by using their own company numbers to call. I have provided the voicemails left on my phone over the last 2 days from this company. I pulled my credit reports and this debt they claim I owe is not even listed on them anymore, so I think they might be trying to collect on old debt that might be beyond that time frame allowable.
|
| 04/12/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received another call at XXXX XXXX from " XXXX XXXX '' from XXXX and I finally decided to pick up the call because it seemed to be a personal call. She ( XXXX XXXX had my name, address, the last four of what she claimed is my social security number, and that I had a debt with Check N ' Go tied to a XXXX XXXX bank account from XXXX ( which I do not have ). The person would not give me her name and would only provide the last four numbers of a supposed account number ending in " XXXX ''. I ask for the date of the transaction and the person 's name because I will be escalating this matter to my attorney, she then hung up the phone on me.
I have never utilized Check N ' Go and this person threatened legal action by escalating the matter to Small Claims court and that I could respond once I received the subpoena.
This individual also referenced phone number XXXX XXXX XXXX XXXX. Due to the abrupt ending of the phone call I'm inclined to believe this is an ongoing scam. CONSUMERS BEWARE!!!
|
| 07/19/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
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Web |
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I have not done any business with Allied Cash Advance since XXXX and the account I had at the time was included in my Chapter XXXX Bankruptcy that was filed on XX/XX/XXXX. I have requested proof of the debt from XXXX XXXX XXXX XXXX multiple times and they have not provided me with any such documentation nor were they able to provide me with any specific information as to date of the last transaction or the date of the original transaction. I also informed them, by phone, that I have not done business with Allied Cash Advance since XXXX and that any amount that was owed to that company was included in my Chapter XXXX Bankruptcy. They told me they couldnt provide me with any information and to contact Allied Cash Advance to obtain this information. When I contacted Allied Cash Advance they were unable to locate any account in collection.
I contacted XXXX XXXX XXXX XXXX XXXXgain on XX/XX/XXXX and XX/XX/XXXX and told them to stop contacting me at my place of employment and on my cell phone.
|
| 05/19/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
{$1000.00} loan taken out from Allied Cash Advance that is now owed by Check N Go, they contact my job repetitiously daily harassing me. If I send the call to voicemail th ey will attem pt 3 more times back to back and again at the end of the day. I finally answered the call today and advised again do not call my job again. I have paid well over the amount borrowed and when the company was sold to Check N Go th ey no longer called to ask for Authorization for payment they just went into my account monthly and took funds beyond the required amount. I finally closed my account and stopped the payments completely. They are chagrining ridiculous fees and the loan at this point will never be paid off. I advised when I initially took out the loan 2 years ago that my job is never to be called as our calls are recorded and monitored for quality assurance and training purposes as my job also involves compliance with CFPB guidelines. The calls continue and now my job is in jeopardy.
|
| 04/08/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
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The company is XXXX XXXX XXXX. We had an issue with our account being compromised so that account closed and there fore the check didnt go thru. We had moved and didnt have the funds then to pay it. Well mid 2018 there collections dept called and threatened to file criminal charges on my husband. 1 being theft and then the second being theft by deception. We set up a payment arrangement to pay it off. They didnt need to threaten criminal charges we just couldnt find out how to pay it til they called. Well I have worked in collections before and knew that was not ok. This morning some one called looking for my son in law and told me it was important and that there was a case pending against him in XXXX county. I get the number and my son in law calls and they tell him the same thing. That they are going to file criminal charges against him if he doesnt pay this. I looked up the laws and this is clearly a violation. We dont have any receipts because this was 3 years ago for these loans.
|
| 05/24/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
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I took out the loan in the amount of {$1500.00}. However when that amount had been meet I inquired what would I need to close the account and stop the bi-weekly payments from coming from I check. I learned that the interest payment/ balance was actually more than the original loan amount. I was informed that I had a remaining balance of {$1500.00} but I could pay it off early for the amount of {$1400.00}. The interest rate is what really concerns me and I feel is truly criminal. The finance charge is : $ XXXX@ 339.89 %.
I can not believe that is correct, I will meet my obligation to pay this but, I would have loved the opportunity to have at 75 % of the finance fee reduced so that I can see a light at the end of the tunnel. I got this loan under a very desperate time in my life. Now I'm told that {$240.00} will continue to be withdrawn from my account until XX/XX/XXXX.
Can you assist me with this matter in any manner or assist with this Loan Sharking methods?
Thank you XXXX XXXX
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| 08/16/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I have been harassed by phone for months by XXXX XXXX XXXX, who I think was previously harassing me under a different company name. Multiple phone calls per day, seven days a week -- two today already ( XX/XX/23 ). They state I owe {$970.00} to a company called Check N Go. I never received money from this company, I've never even heard of it. I called them today and requested their address, and also then to speak to a manager after they refused to give me any co. information. They refused to put me through to a manager.
This happened to me a few times with different companies in the last few years, one of them more recently I believe being whoever XXXX was prior to being called XXXX, as the same male with a southern accent left the same messages under a different company name previously ( shut down their scam shop and opened under a new name? ) I am being harassed for money I never took from a co. I never heard of. This is disgusting, predatory behavior by this " debt collector ''.
|
| 04/13/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
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|
Web |
Older American, Servicemember |
|
AFTER A FUDGED BEGINING, AFTER I TOLD THEM I DID NOT WANT IT, AT TWO OFFICES, XXXX XXXX AND XXXX XXXX XXXX WITH A PHYSICAL NOTE TO THE FOND XXXX XXXX OFFICE ( BUT ORIGINATION WAS A XXXX XXXX I FIGURED MAYBE THEY WOULD PAY ATTENTION TO ME ) THAT I DONT WANT THEIR LOAN ONLY AFTER THAT THEY SAID THEY SENT A CHECK IN THE MAIL.
RIGHT AWAY I SAID THAT IS LIKE THROWING ITIN THE AIR SINCE MY EX AND A WOMAN GO INTO MY MAIL BOX THAT IS 1/4 MILE FROM MY HOME AND WITH A HILL INBETWEEN SO I CANT SEE WANT IS IN THE MAIL BOX. I NEVER GOT IT. SO I TOLD THEM THEY NEED TO SEE IF AND WHERE THE CHECK WAS CASHED. I ALSO GAVE THEM A NOTE ON THAT.
I SWEAR I NEVER RECEIVED IT. i NEVER GOT A RESPONSE IF THEY FOUND OUT ABOUT THE CHECK!!! YET THEY ARE CHARGING ME HIGH INTEREST AND NOW MAJOR THREATS TO MY ASSETS. IT IS LUDICROUS THEY ARE DOING THIS. PLEASE TELL THEM THEY MUST FIND THE COPY OF THE CASHED CHECK TO SEE WHO CASHED IT!! THEY ARE RUINING MY CREDIT NOW WHEN I AM ABOUT TO REFINANCE MY HOME!!
|
| 12/15/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Hello! I keep getting a call from Allied Title Lending LLC saying that I owe a debt and since Im not cooperating theyre sending agents to my HR department and to my home to arrest me. I called them back at : ( XXXX ) XXXX and spoke with a woman who said the same thing and when I told her I filed bankruptcy she rudely cursed me out and hung up. I called back and the same thing happened. It was further explained that I NEVER took out a title loan and again, if I had, its too late to collect because of the bankruptcy. This has been going on for days! The supposed debt ( under an address I never lived at by the way or even heard of ) is from XXXX. I filed a chapter XXXX in XXXX and a XXXX XXXX in XXXX. Those debts are no longer valid at all! This company knows that and when I referred them to my attorney they hung up each time. When they did talk, they could not tell me the location of this loan, who signed or showed ID for it, the dollar amount - nothing! This has to be a scam.
|
| 12/12/2017 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
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CheckXXXX N go XXXX XXXX XXXX XXXX is under suspicion of breaching my waiting list position on the section XXXX list, application date : XXXX, conclusion, does not exist on section XXXX waiting list, as of XXXX/XXXX/XXXX, XXXX years later. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX/XXXX.
Thus, after reviewing some of the past fraud XXXX is involved in, like in XXXX, for example, I am now complaining about HOUSING fraud, check no ONLINE and my position on the section XXXX wsitknbg LIST that never XXXX.
Thank you XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX and XXXX hospital secretaries unions and even use fedral credit union employee are employees at the lake XXXX check no.
And also as cashiers at XXXX XXXX Shopping Mall businesses, such as XXXX and XXXX, ETC. with intent to causes screaming and yelling and malfunction double swipe cyber ATM problems There was also truancy issues and juvenile detention arrest recently at LOCAL elementary charter school schools, XXXX and XXXX.
|
| 09/30/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a call from The financial meditation services spoke to XXXXwo people on XX/XX/XXXX. The call came in from a private number, but left a voicemail stating if I didnt contact the number and reference the case number that I would be taken court and have my wages garnished for a loan thats over 7 years old. First it was stated I owed {$300.00}, then I was transfers to some guy XXXX XXXX who said I owe {$1000.00}. XXXX XXXX then turned around saying I owed {$3300.00} for a payday loan. First they said I owed one company than turned around stating I owed 3 companies. I asked for a letter in the mail with this information and I was told they already sent a letter in XXXX. They stated they will not be sending any letter. XXXX XXXX got very irate with me, because I didnt understand what he was saying. He yelled at me etc. They stated they were in Arizona but the number was in VA. I was told if I didnt pay XXXX by XX/XX/XXXX that I would be getting a letter for court.
|
| 01/09/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I was contacted several times back-to-back from a debt collector saying they were check and go. They called me several times in the morning. I answered and told two agents I was at work and couldn't talk and that they send me a letter to verify said debt. The one rep who was a male immediately begin to curse at m and say, " Just pay the bill XXXX, we're taking you to court '' and hung up. I told them several times to send me a letter and not to call me during the hours of 8 and 5 pm and that they could send me a letter. They then begin to leave voicemails saying I had a " order of judgment '' against me and It was filed in court on XX/XX/2021. I've asked them to produce a signed contract showing me that I am the owner of this debt and when I said that I was cursed out again and hung up on. I am ready to seek legal action against the company for the constant harassment and scare tactics. They've even threatened that they will be showing up to my job to serve me papers
|
| 10/13/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
On XX/XX/2022 I was contacted by XXXX with XXXX XXXXXXXX XXXX which was a pre trial mediator regarding a debt with XXXX XXXX XXXX XXXX XXXX XXXX which I was not familiar with. She threatened that I would be served and would be taken to court. When I expressed that I did not have knowledge of a pay day loan and if she could give me more information she stated she did not have the amount of the loan that I owed and that she had no information on the company. She continued to raise her voice and say that she was going to look up my social and my credit to see if I had a fraud alert because I was not aware of this debt and as I did not have a police report or a fraud alert I would be liable and would be taken to court and served papers to appear in court. I am not aware of a loan with Check N Go and I requested more information ( amount, date, account number, etc ) and she refused to provide, she continued to yell at me and said I would be served and hung up the phone.
|
| 10/19/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
i had a installment loan out with Check n Go in my town over two years ago. i was unable to pay it back in full, and honestly, i forgot about it. earlier this year i received phone calls from a company called " XXXX XXXX XXXX '' who claimed that they would be serving me papers at my home address ( which they had correct ) and if they couldnt reach me there, they would be serving me at my " job '' ( but did not disclose where i work ). After being scared into their tactics, they got my debit card number and was withdrawing money from my account every 2 weeks ( my payday ) in the amount of {$120.00}.
After a month or so, i stopped paying them ( XXXX 2016 ) .... Now ( XXXX 2016 ) a man named " XXXX XXXX '' is calling me from the same company again. they have n't withdrawn any money since then and after doing a good amount of research online, this sounds like a scam. i dont know who to contact about this, and honestly, i am still unsure if this is legitimate or not.
|
| 01/23/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XX/XX/2016 agreement was reached with XXXX XXXX XXXX XXXX on behave of check and go for a settlement amount of {$880.00}. Final payment of settlement was made XX/XX/2016. We have final settlement letter on hand. Since then we have been repeatedly contacted by multiple collection agencies attempting to make a collection for {$570.00} on behave of check and go. There was only one transaction that was ever owed to check and go and that was settled. No other loans or transactions made with check and go have ever gone into collections. Each time we have been contacted we have been threatened with legal action and/or arrest. Once explained that this matter should have been resolved and having offered proof the collector became more and more aggressive. We would like to have this permanently cleared from my credit and the harassment to stop. This has been going on for almost 4 yrs every 2 or 3 months and it is always a different agency calling with the same information.
|
| 05/02/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I took out a {$1500.00} loan in XXXX XXXX and was under the impression that as I paid ( bi-weekly {$150.00} ) which totaled {$300.00} a month that my balance would decrease with each payment. Well, I ended up paying a total of {$1200.00} ( during a 4 month period ) on this loan and still owed {$1500.00}, which I paid out in XXXX , XXXX . I feel that this company " Check-N-Go '' have very unfair and huge interest rates and that if they see that a consumer is trying to get them paid out, they should work with that person. I never missed a payment yet my balance never decreased, but steadily increased. So I ended up paying them almost twice the amount borrowed and it was all less than a 6 month period of time, WHICH IS UNHEARD OF!!!! I would like to warn others about them and get my MONEY BACK! There are XXXX stores in XXXX XXXX , SC and I 'm sure numerous within the state of South Carolina. I did business at the XXXX XXXX XXXX XXXX . location
|
| 07/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There was a recent collection added to my credit report that is not mine. I have been harassed over and over again about this account with Allied Cash Advanced that I absolutely do not owe or have any recollection of. I have never taken out a loan with them and I have disputed this once with Allied Cash Advance with another collection agency named XXXX and XXXX. This dispute was on Complaint ID XXXX The Company Check'n Go also known as Allied Cash Advance Responded saying : " To Whom It May Concern : We want to thank XXXX XXXX XXXX for contacting Check n Go regarding the calls she has been receiving. We understand that there is some confusion with the the calls she has been receiving from XXXX and XXXX in an attempt to collect on a loan with Allied Cash Advance. We completed an investigation into the matter and advise we can confirm that there are no accounts matching XXXX XXXX 's information in our system Thank you. Customer Advocacy Department, Check n Go. ''
|
| 06/28/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
There was a call on my mother 's voicemail from someone named XXXX XXXX threatening to arrest me for a loan that I do not even recall. When I attempted to get some answers regarding this, a young lady got o the line speaking very rudely and loud talking telling me that I did something fraudulently but when I began to question her about where this lawsuit was filed so that I could look it up, she started yelling and then hung up on me. All I could get was that apparently this took place in 2013. Both the young lady I spoke with and XXXX XXXX were verbally abusive and I have gotten no less than 6 calls in the last 15 minutes from XXXX XXXX yelling at me and telling that I need to tell him where to come to " serve me ''. I have had to block the telephone number. His voice message states that I have charges and a claim filed against me but they will not tell me where. Only a file number. I have no idea what they are talking about. This conduct is beyond acceptable.
|
| 06/20/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
I received an installment loan from check n go XXXX, Oklahoma in the amount of {$900.00} in the spring of 2021, I made payments to said loan for 3 months before dealing with a major health and relationship change. This change caused me to have to change bank accounts and living situations. I was able to relay that change to multiple other financial organizations where payments were owed however I was not able to contact check and go, I take full responsibility for this. My complaint is the fact when I call said company who now is contacting me to resolve the debt ( XXXX ) I believe they said their name was, is accusing me of lying about receiving certified mail. I stated I am not here to argue, can you please send me or email me some documentation, I will not be making a payment over the phone, at which point the agent got angry with me and then proceeded to hang up on me andi could " wait on my court documents. '' Would love to get the issue resolved.
|
| 06/21/2016 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
" XXXX XXXX '' left a voicemail on my cell phone XXXX/XXXX/2016 claiming to be a process server stating that I have charges and a claim that was filed against me, and said that I was being served. In the voice mail she gives a " case number '' to reference. She also called my work, and a friend of mine stating the same thing that I was in the process of being served. After not returning her phone calls or messages immediately because I was at work, I got three calls in a row from what appeared to be my XXXX job. I answered the third phone call and it was this " XXXX '' person, not in fact someone from my XXXX job. She was talking really loud and fast. I could n't understand much of what she was saying. I caught something about getting a " cease and desist '' otherwise I was going to be served with a lawsuit. Upon calling the XXXX number, the automated message makes it sound like it 's an attourney 's office, and you have to give a " case number ''.
|
| 09/12/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I have had a loan with Check-n-Go for about six months.i pay them as best as I can, but lately I have had some financial hard times and some pay periods I have not been able to pay on time due to low funds from being out sick, XXXX. I contact the company to talk to them about my hardships to get assistance on making a double payment on the following pay period, but there is never any resolution with check-n-go.they continuously charge my bank account when no funds are available or before the designated due date of payment, and this causes excessive overdraft fees from my bank that makes it harder to pay the loan back, and even harder to handle my other household responsibilities.the interest is extremely high as well, and the company always claim im one payment behind and that is untrue.i feel like check-n-go is ripping me off.everytime I call its an argument with a specific representative. I have been a good customer and I 'm tired of the hassles.
|
| 07/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I've been battling with check n go and XXXX XXXX XXXX, regarding inaccuracies pertaining to my credit report. They claim they can not remove or correct my report since they sold the account before bankruptcy discharge. However, when speaking to the entity ( XXXX XXXX ) that the account was sold to I was told since they are not the company reporting the account that it is Check N Go 's responsibility to fix the errors or delete the account.
Furthermore after Check N Go made reply to previous complaint they sent me an email stating they would provide me with copy of original contract which contradicts their response to the previous complaint stating they can't fix the credit report because they don't have any information.
Check N Go is blatantly violating my consumer rights, making fraudulent statements that contradict each other and violating the FCRA by refusing to delete the account within 45 days of originally disputing their reporting errors.
|
| 09/21/2016 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
Check N Go has cashed a check against the bank account of my deceased father, XXXX XXXX XXXX. The check in question was written on a date when he was XXXX and the dollar amount of the check does not match his hand writing.
When I contacted Check N Go, no loan was found in his name when they searched by social security number.
The deceased has a bank account at XXXX XXXX Bank in Indiana.
The check was written on XXXX/XXXX/2016, the deceased was XXXX and in hospice care on this date and passed away on XXXX/XXXX/2016.
The XXXX was deducted from a Social Security deposit made to the deceased persons account on XXXX/XXXX/2016. These monies were refunded to the Social Security XXXX as expected upon notification of death.
The check should have been returned to Check N Go for insufficient funds in XXXX and not resubmitted in XXXX. Further, there is no evidence that my father, XXXX XXXX XXXX held a payday loan for which he would have been liable.
|
| 10/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Im the wife of XXXX and all my phones are in my name. I received a text on XXXX XXXX XXXX. I called and spoke to the person who called themselves a debt collector or mediator. Because my husband is hospitalized.After asking questions I was told that the Company who was taking me to court on XXXX XXXX is ChecknGo. And I verified myself to them telling the mediator or collector who I am. Still the collector assumed it was me that he was collecting for.
I told the collector that XXXX doesnt have a debt with that company.
Then I was told that I was being served when in fact it wasnt the person that they were looking for. After trying to ask further questions I was continually told that Im being served without any further explanation.
I looked up the number to Checkn Go in my area and gave my husband name, telephone number, address and all info that was requested. I was told that there was no Loan taken out with the information that I gave them.
|
| 09/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX-Repeated phone calls with a voice mail telling me to call XXXX.
On XXXX I received a phone call from XXXX from XXXX, TX. I answered and a auto message said to call XXXX.
I called and a woman answered saying I owed a payday loan, which I have never even visited one, in the amount of {$500.00} from Check and Go in XXXX, TX. Since it had interest, she said I owe over {$1100.00}. She had the last four digits of my SSN. I gave no information. Ive never received any phone calls or mail from any Check and Go. I doubt XXXX has one. The woman said it was going to legal.
The woman could not give me her name nor the name of the business she was with nor could she give me any contact information. She typed in her computer that since I refuse to pay the debt, theyd be sending me something in the mail. I laughed and hung up. I blocked that number and after about 10 minutes, they called back. Same number. I blocked the number again.
Thank you
|
| 05/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Company Name- Check N Go Payday Loan City and State of Loan- XXXX , New Mexico Year of Loan- XXXX Amount of Loan- XXXX Reason For Complaint- Payday loan company check n go is doing illegal activity this has been disputed in the past several times and removed off my credit reports completely and closed out with XXXX balance and somehow this company manages to find a way to put it back on my credit reports Ive tried to speak to check n go and instead of them trying to figure out the situation they choose to argue and Harass me Ive even tried to speak to somebody higher up with authority but I never get a call back I need this company to remove off my credit reports this item is a XXXX balance and should be closed out. Also in the state of New Mexico payday loans are illegal now also this is a payday loan company that should not be reporting anything to creditors. And is illegal. therefore this company is not following rules and guidelines
|
| 10/27/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
I had a loan with Check n go and was keeping up with my payments up until almost the end of the loan. I have received a few emails from them, and I only still have one. But one of the said that they could see that I had borrowed money from them and " Never bothered to pay it back '' which is not true, I actually paid them more than I had borrowed to begin with, I just fell behind before I made all of the payments including interest. I consider that offensive, because they are trying to shame me in to the rest of the payments by saying I did n't bother to pay. I had already paid well more than was borrowed to me, and I was trying to keep paying them, but groceries are more important. I have also received unsecured emails that fully disclosed my debt and account numbers. Things that I would consider personal information with no security at all. I am familiar with the FCDPA and I feel like my rights within that have been violated.
|
| 04/26/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I took out a loan with Allied Title Lending LLC d/b/a Allied Cash Advance on X/XX/15 in the amount of {$1200.00}. I have paid {$3800.00} and I still owe {$930.00}. At the time I had no idea that the interest rate was 273.75 % They never told me, but apparently I signed a contract without really reading it. I 'm on XXXX and at the time I had lost my job and was not able to pay my mortgage. So I borrowed the money. Call for Action tried to help me, but the manager, XXXX XXXX for Allied, Cash Advance, XXXX XXXX XXXX . XXXX XXXX XXXX , VA XXXX , XXXX XXXX XXXX XXXX was instructed not to talk to them and has hung up repeatedly and turned the phones off. I feel like this was deceptive, Had I know the interest rate was 273.75 % I would have never taken out the loan. Can you help me with this? At this rate I will never pay them back, and they were paid 3 times the amount that I borrowed.
|
| 09/22/2016 |
Yes |
- Other financial service
- Check cashing
|
- Customer service/Customer relations
|
|
Web |
|
|
The cashier named XXXX XXXX, working in the Check 'n Go store located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, took my driver 's license and social security number, and input the numbers into the company computer system before telling me how much they were going to charge me to cash a {$500.00} insurance check. When I asked her why she did not tell me the fee amount before taking my personal identifying numbers she flew off the handle. She shoved the check back at me and tapped the keyboard once or twice and angrily said, " there now you 're info is deleted ''. I took out my phone to video the conversation and she yelled at me that it was illegal to video her and she threatened to call the police reaching for the panic button and picking up the phone. This woman is extremly rude and does not need to be working with the public. My greater concern is that this company now has my personal identifying information.
|
| 01/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Many Years Ago, Back in XXXX I Was a Victim of Identity Theft and They Stole My Bank Cards, ID, and Social Security Card was all Compromised.
Since then I Have XXXX XXXX XXXX to Protect My Life From Identity Theft Happening Again.
I Have Reported This To The Federal Trade Commissions By Letter Years Ago.
I Never Take Out Pay Day Loans and I Never Had Any Student Loans of Any kind Never.
Here This Year, in XXXX of XXXX I am Getting Harassments From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX These People Had To Gone and Purchased an Account Somewhere Online or XXXX XXXX Party For Sure and Now Texting, Calling, and Sending Me Mail That Has Nothing To Do With Me.
I Believe It's a Scam, and I Have Been Targeted Again With Identity Theft Once Again.
I am Reporting This Because It Is Not Me.
Please Help Assist Me, I Need To Know What To Do.
Respectfully, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
|
| 01/09/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
I called Check n Go on XX/XX/2021 at XXXX and did not talk to a representative until after XXXX, I informed them they had taken the money from my Acct. 3 days early causing an overdraft. They requested proof and I sent a screenshot of my bank acct web page showing their charge to my acct with the words OVERDRAFT and the charge of {$35.00} on my account. They responded a week later by sending me a collections letter. The bank returned the charge to them. They want full payment, I want restitution. They caused the problem and broke the contract I had gone into with them in good faith and they broke that good faith by trying to take the money 3 days early. They should pay a penalty to ME for causing me economic distress, lost time, unnecessary stress and now causing harm to my credit due to THEIR negligence. We have no agreement since they violated the contract. I feel I have no duty to reward them with repayment in full.
|
| 07/18/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
have been receiving threating calls from company who claims to be XXXX XXXX XXXX XXXX Attorney I looked it up and address and phone number dont match. They claim I had an outstanding payday loan probably dated back to XXXX? I told them to send me the paywork and they said they wouldnt. Also got many calls saying they had an agent trying to locate me. They wanted to settle for half of what was owed? ( about {$1600.00} ) They wanted me to pay with a debit or gift card? Also on the messages they threaton to have me served in my county of XX/XX/XXXX. They also called my step brother and left a message that they were trying to get ahold of me and I was being charged with FRAUD. I am on disability and this company continues to call on unknown numbers etc. I also told them that I had copies of checks I wrote and they did not want to accept copies. My case # XXXX Phone # XXXX spoke with XXXX XXXX, XXXX XXXX & XXXX XXXX
|
| 11/06/2017 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I am writing this complaint on behalf of my sister XXXX XXXX. She receives a single check for {$730.00} per month for a XXXX XXXX. Not only am I the representative payee for her check but for her checking account as well.
She is not able to make a payment of {$250.00} per month with her income nor did she have any idea that she was signing a contract for 162.72 % interest. This entire process is uncongenible and unfair to someone in her position. No one at the local branch will speak with me because my name is not on the contract. What I do n't understand is how this company can make a loan to someone who has a rep payee without that person 's consent.On XXXX XXXX she borrowed {$1600.00} from Check 'n Go located at XXXX XXXX XXXX XXXX XXXX SC XXXXHer payments are scheduled at {$250.00} for 17 months for a total payback of {$4300.00}. She has made 3 payments on this loan but is unable to continue these payments
|
| 04/26/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
They called me and used a false name saying they were from the XXXX XXXX XXXX and they were a law firm and they were going to sue me and were 3 days away from filing with the court and that they were going to serve me at my home and my place of business.
When I called back and asked what firm they were a part of they did not tell me they just said they were the XXXX XXXX XXXX and they have offices in all 50 states. When I asked where there office in CA is they said that they would have to transfer me.
It was a very threatening call and I felt very uncomfortable like they shouldn't have been threatening me like that. They wouldn't even tell me the name of their company and it wasn't until the next day I received the letter with my payment arrangement that the name of the company is XXXX XXXX XXXX not XXXX XXXX XXXX
They are violators of the FDCPA and they should be penalized by the fullest extent of the law.
|
| 03/17/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
i took out a payday 7yrs ago and it was for XXXX and now they want XXXX and they are harassing me and making threats they call everyday with threats about taking me to court and im on a fixed income and i told them that they want this money. and now they are threating me. i dont know want to do. im afraid of them and i have XXXX XXXX and i cant deal with them i need ur help to stop the harassment and threats. in XXXX the virginia attorney XXXX XXXX saying he sued allied cash advance for alleging it violated state consumer protection and it was in the daily press. if i have to pay this money i wont beable to live i have a mortage bills and i dont get enough money to even live on. and the lost there payday license in XXXX i dont have a case number never got anything in writing from them no bill no account number nothing and i dont have a lawyer to fight them i cant afford one so please help me with this matter
|
| 07/15/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Allied cash advance located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX said I XXXX XXXX XXXX was approved for a XXXX dollar loan to help with bills anyway they informed me that I needed to pay XXXX dollars to insurance of theres to guarantee that if fall on hardship the insurance would pay the loan for me and I had to send another XXXX to pay for fees to get the amount of XXXX from the state of new York to North Carolina which was a state fee but informed that those fee had to be paid by XXXX gift cards to be able to received the funds asap. Payed both the XXXX on XXXX gift cards and the XXXX on XXXX cards on XX/XX/2023 from checking account. But now XX/XX/2023 still no wire transfer into bank account or no loan deposit of XXXX the so called amount that I signed in contract on that same day.so .so far that loan company has con me out of XXXX dollars and still havent received my so called loan money of XXXX
|
| 01/27/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
I was contacted about a loans for {$5400.00} that Check n Go disbursed in XXXX in my name. I did not apply for any funds from check n go. I explained that to them and asked for paperwork, signatures, account information that the funds were deposited into as well as a copy of the identification used to get these funds. They have never sent any of the documentation that I requested. There has to be concrete proof of this transaction somewhere.signatures, for matching purposes, an account that these funds were deposited into as well as a copy of the identification that was used to complete this transaction. This was fraud/identity theft. I have been advised to file a police report but I do not have any documentation to support my filing. I called the debt collector ( XXXX ) request information and was told that I would emailed information that they had on the account. I have not received anything from them.
|
| 10/24/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
This loan was taken on XX/XX/XXXX, I filed chapter XXXX bankruptcy in XXXX. This loan was paid off in this bankruptcy and the company was contacted by the law firm that represented me. I found out this year the loan is still open under my name, I contacted this company to find out why. The first representative was very rude but I was told the loan was closed and discharged due to bankruptcy I asked her to please forward this info to the state and I was told have a nice day and hung up on. I called again and I was told they never received information about my bankruptcy and was I sure I added them to it. I told her yes and she asked me to send over paperwork which I did. I called this morning and was told that I need additional paperwork. This is ridiculous bankruptcy is public record I have all my paperwork and should not have to jump through hopes to get them to follow the federal laws. I am very upset.
|
| 06/22/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
Payday loan was taken out in XXXX. in XXXX was contacted by a debt collector and made a settlement payment of XXXX dollars on the original loan amount of XXXX. received a letter stating it was settled and closed. in XX/XX/XXXX I received a Notice to XXXX XXXX account, I was positive I paid it but was unable to locate paperwork. I had just been laid off and could not change a levy so I called and made a settlement payment of XXXX. After the payment was made my wife received a letter to XXXX and she located the original payment of XXXX. We attempted to contact the original creditor and they can not locate the account, we have called the collector from XXXX and # 's are no longer active, we called the creditor that sent the XXXX notice and have not gotten any were to get my money back or stop any levy actions, we have left several vm messages with no return communication. Debt was paid and cleared in XXXX.
|
| 01/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American, Servicemember |
|
On XXXX, XXXX, I became aware of fraudulent activity against my credit through my membership in XXXX XXXX XXXX through XXXX XXXX XXXX Two CRAs, XXXX and XXXX are listing 2 separate attempts from XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX MO XXXX to obtain money in the amounts of {$4100.00} and {$3300.00}. XXXX lists the original debt as from ChecknGo, location unknown. This is likely a check cashing/payday loan operation. I have never used this company 's services, nor that of any other such entity. It should be noted that I filed fraud complaints in XXXX that were of a similar nature e.g., loan shops. Those complaints were investigated and resolved as fraud against my name and confidential information.
The XXXX XXXX XXXX I spoke with on XXXX said that sometimes these old files are resurrected and sold to another entity. The amounts in the prior fraud were approximately {$4000.00} and {$2500.00}.
|
| 02/23/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Today XX/XX/2017 a woman stating to be with the county of XXXX ( but when asked would not give her name or department ) called my mother on her personal cell phone looking for me, she stated that she had a process server within 30 minutes of my mothers address and that if I wasn't there they would sue my mother. After my mother was hung up on they called her back 5 times, she picked up the phone to tell them they had the wrong number and a gentleman this time said " We know who you are ( my name ) '' when she told them her name his response was " sure you are, we will be there in five minutes you better have photo id ''.
My mother is XXXX and is in no way financially responsible for any debt I have incurred. I have spoken with this company many times and disputed the debt as I have proof it was paid off. Now they are harassing my mother illegally and causing her and I both undue stress.
|
| 04/22/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I have taken out several loans before with Check N Go. It has never been a problem paying them back, even with their exorbitant interest fees.
The COVID19 virus has hit me hard and I have been temporarily out of work. CnG calls me numerous times throughout the day harassing me for payment. I paid back every penny I borrowed, plus hundreds in interest. I owe only interest still per contract. They know I can't work and they refuse to work with me.
There are daily calls from hyper aggressive employees who apply high pressure tactics.
The amount I borrowed is {$3000.00} and the amount I have paid back is about {$5000.00}. They said I still owe about {$2500.00}. I am having a hard time dealing with my current financial situation due to the virus and I have asked CnG to work with me. They simply will not hear it and have became increasingly aggressive with their collection tactics.
|
| 11/16/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
Today XX/XX/2018 I received a letter from XXXX XXXX XXXX demanding that I pay a fraudulent " balance due '' of {$310.00}. The letter references an acct No. XXXX and is addressed to me at my home address. I have never gotten any loan nor had any contact or dealings with XXXX XXXX XXXX or any other outfit for a loan of any kind. This is fraud.
When I called the Customer Assistance dept and spoke to XXXX, the first thing he demanded of me was my SSA # and my Date of Birth : the very things a thief would use to make a fraudulent claim! He said that he " could not find me in the system '' under my name and the Account number above. He admitted that his company had generated the letter, but said he could not help me at all unless I gave him a bunch of personal financial information as noted. Then he transferred me to his Supervisor, XXXX XXXX, who repeated exactly the same thing.
|
| 12/30/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Received a phone call from a locator who asked if they were speaking with me. When I answered yes, they immediately asked for my address. No forms of verification, just wanting my address. When I asked for what, he answered that I had a claim and gave me the number to XXXX XXXX ( XXXX ) and a claim number ( XXXX ). The representative went about trying to use scare tactics to get me to pay a debt that I was unaware of. I have received no credit reports for this debt, I have received no documentation of its past due payments or even any information that it would be sent to a collection/claims agency. Ive been threatened with a fraud charge and jail sentence. The XXXX XXXX is using harassing and scare tactics in attempts to collect a debt. When asked for documentation, they refused, saying I could call the loan agency and theyll verify that they are now in charge of the debt.
|
| 04/14/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX XXXX called me regarding a check n go payday loan from years ago. They sent me a verification letter of debt attached below with the wrong address. I was scared because they kept calling and insisted they can lower the debt and I only have to pay {$1000.00} instead of {$3700.00}. I just cleared the loan in XXXX and tried to call back this legal mediation company through all the numbers I can find starting off with the number provided to XXXXXXXX XXXX and then the one on the letter. It advises to leave a message. I left a message two months ago and there was no response. I am trying to retrieve a confirmation notice stating the debt has been resolved. After searching the company online and reading through that this company is fraudulent and a scam, I feel the need to report them because this is not fair. I paid my debt to scammers and we need to put an end to them.
|
| 12/06/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
Older American |
|
During the year of XXXX I took out a Payday Loan of XXXX dollars at the store location : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX which is no longer open for business now! It is closed down! I paid this company XXXX dollars back but was unable to pay the interest amount to them due to the Pandemic. I was told since I default on my payment plan I XXXX to start over and pay XXXX dollars to them. After talking to Check N Go on yesterday, I was told my account was sold to a XXXX XXXX called : XXXX XXXX XXXX located : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. XXXX have harassed me with phone calls threatening to have me served at home or my work with papers. Even after me telling this company I just had XXXX XXXX and other illness they continue to harass and threaten me. The lady told me she didnt care.
Please.help me to solve this problem!
Thanks!
XXXX XXXX XXXX
|
| 05/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been checking my credit reports and noticed negative accounts being reported. I have written letters via certified mail to the company asking for the company to please verify the account they are reporting is actually mine since I have no knowledge of these accounts. Per Fair Credit Reporting act the company has 30 calendar days from the time the letters are received to verify the account and send me proof. They did not do this. They also must report to the bureaus they are reporting to that the accounts in question have been disputed. They also did not do this. That is a major infringement on my rights and they have broken federal laws. I have time stamped documents of all communication with this company. I have informed these companies of the laws they have broken and asked them to remove the negative accounts they are reporting and they have refused to do so.
|
| 06/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I received a statement of credit denial from XXXX XXXX XXXX XXXX Ohio office stating I was denied a pay day loan for which I never applied for. The statement also says that I was denied due to " credit product not available '' I called the phone XXXX. They said they would forward my name, phone, and email address and check into it. I get an email back stating that the account??? Was opened with your personal information. They also want me to fill out a more detailed report with even more personal information and have it witnessed by law enforcement. Of course this is a voluntary report. I used to work at XXXX XXXX XXXX corporate office in the accounting Dept. Years ago. I know what a pay day loan is., I also know scams but the paperwork is very professional. Should I be worried, also someone could be pretending to be from XXXX XXXX XXXX to gain information. Help!!!!!
|
| 12/12/2017 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
For awhile now I have been borrowing from a company called XXXX XXXX XXXX in XXXX XXXX, Texas. I was recently looking over the detailed payment statement and noticed an extremely high charge for this loan. It is described as a " CSO fee ''. This fee is higher than the interest charged which, as you know, is significant.
I called the local office and asked them what Is the CSO fee? They did not know so I asked for the supervisor. After speaking with several people in the company no one seemed to know what the CSO meant. This strikes me as being very odd so I decided to try to find someone in a regulatory department that might be able to help me.
This is the reason for my letter to you. What is a CSO fee and why is it so high? I am hoping that you can give me some insight on this.
Thanking you in advance for any assistance you can give me.
Sincerely, XXXX XXXX
|
| 07/09/2015 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
Older American |
|
I received a a loan from Check N Go on XXXX/XXXX/2015 for {$250.00} and a loan on XXXX/XXXX/2015. The XXXX/XXXX/2015 I think I applied for but the loan on XXXX/XXXX/2015 I don ; t remember asking for and if I did the loan from XXXX/XXXX/2015 was outstanding, therefore why did they grant the XXXX loan if the XXXX had not been paid. On XXXX/XXXX/15 Check N Go deducted XXXX payment from my account of {$150.00} each. On XXXX/XXXX/2015 the loan company deducted {$310.00} from my account. When I checked my account I realized that It was a check created without my knowledge and my account had been charged @ {$200.00} for NSF. My bank is XXXX XXXX XXXX, located in XXXX XXXX, California. The loan company states that they called me at least XXXX times and called me place of employment @ XXXX times and I do n't remember any calls, and definitely did not hear from my employer.
|
| 08/01/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
Took out a loan in XXXX 2016. Loan # XXXX was due in XXXX 2016. I called for an extension and was granted it. I missed the extension payment due date. My file went to the collections department and incurred additional fees. I have no problem was this as this was my fault. Issue - this loan was settled with all additional fees, interest accrued, etc. on XXXX XXXX, 2016 for {$280.00}. I was told it would be updated as paid and closed. Never was. Called the next month and was transferred around. Left several messages for this department. Left the issue alone then circled back towards the end of the year in both XX/XX/XXXX and XX/XX/XXXX. Called and initiated a fix for this in XX/XX/XXXX. Again got a run around. Of course it is now over a year later and it still shows as never paid. I have emailed the organization with proof of payment to only receive an apology.
|
| 12/18/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Between XXXX - XXXX I acquired long-term installments loans concurrently with the following companies : Check N Go, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX.
I struggled to pay the installments for each of these loans and have reached the conclusion that these businesses did not adhere to the laws 1041.5 ( Ability-to-repay determination required ) and 1041.4 ( Identification of unfair and abusive practice ).
In regard to Check N Go, on some occasions I was allowed to make a partial payment toward my existing installment loan in order to apply for a greater loan. This may fall under the definition of " rollover '', in which is prohibited in California.
Additionally, XXXX XXXX allowed me to obtain a Payday Loan and Installment Loan at the same time.
During this horrific period, I was robbing Peter to pay Paul and consequently was stressed beyond belief.
|
| 02/13/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I entered into an agreement with check n go on XXXX/XXXX/XXXX. I was unable to make payment that was due on XXXX/XXXX/XXXX. After I told them I was unable to, the representatives constantly called me at work after I told them I could not receive phone calls. Sometimes these calls would be 2 to 3 times daily. They also called my mother 's cell after she informed them that this was not my number and to stop calling her. The representative told them that they were looking for me for a past due loan amount. They called my mother almost every day for an entire week. I called into the office and asked that I be placed on a re-payment plan but they said that I could not enter into a re-payment agreement unless I signed a new loan contract with another check. I have exhausted my avenues in trying to settle this matter can someone help me with this.
Thanks, XXXX XXXX
|
| 07/22/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have made many attempts to contact this company with no resolution. I get transferred to various depts, however no one is able to assist. I have tried to explain to the company that when a consumer utilizes the online option to request a payday loan, the system automatically thinks you are asking for not only a payday loan, but also an installment loan and there is a hard inquiry done on your credit report. When I tried letting them know I did not ask for an installment loan they continue to tell me I did request one, when in fact I had not. I have tested this numerous times and it continues to occur. My credit has 2 hard inquiries from this company which I did not consent to. One was done on XX/XX/XXXX and the other one XX/XX/XXXX. I have filed complaints and to no avail. They insist I applied for an installment loan and a pay day loan which is incorrect.
|
| 03/03/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
In XX/XX/XXXX I tool out a payday loan with Check n go, some time has passed and I was making bi weekly payments fell on hard times and was not able to make the payment, the last time check n go attempted to collect a payment was XX/XX/XXXX which was returned. On XX/XX/XXXX Check n go out out of the blue without contacting me or giving them authorization took XXXX out of my bank account making it negative and resulting in overdraft fees from my bank. How can they skip XX/XX/XXXX and not attempt but on a random thurs ( XX/XX/XXXX ) not even a fri as scheduled randomly attempt without even contacting me? I am well aware of the consequences of defaulting on my loan XXXX credit hit, lawsuit ) but if they had not received payment in over 2 months how legally can they just try a random day to withdraw the money? I believe this is illegal and should be looked into!
|
| 08/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I was contacted by a debt collector, XXXX XXXX who is representing Check and Go Services for a debt Im accused of having. Check and Go keeps sending multiple debt collectors about this debt Im not aware of and never sends documentation That I always request. Instead different debt collectors repeat my personal information over the phone and threaten to send the Sheriff to my house and job. After yelling they angrily hang up when I ask them to send documents that show this debt is mine. They never send documents or a bill. The most recent call was received Monday, XX/XX/2020 at XXXX XXXX ( EST ) from XXXX saying they are XXXX XXXX who just received my file from Check and Go. Because of them having my personal information, I constantly check my credit report and sign up for credit monitoring services. I have been a victim of identity theft in the past twice.
|
| 07/01/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
CREDITOR- NCA CHECK N GO NCA Check n go is Reporting False information on my credit report it appears as open with a balance reporting on XXXX and XXXX the first thing is the amount that is showing I never received that amount on the payday loan this collection keeps getting removed and placed back on my credit report when this item should be appearing as a closed loan with a XXXX balance owed I do not owe this company anything I never received that money that they claim I owe. Check n go is a. Payday loan company and shouldnt be reporting on credit reports also check n go acts as if they are a financial institution on the credit report it says nca check n go financial is a payday loan company and are doing fraudulent activitys by acting and reporting as a financial institution also check n go has sold to another company and is still reporting on my credit
|
| 07/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I'm to understand that XXXX XXXX XXXX operates Check N Go.
I've been battling with Check N Go and the company they sold the account to before bankruptcy, XXXX XXXX XXXX. They are reporting inaccurate information to my XXXX Credit Report. I've asked repeatedly for this to be fixed or for the account to be deleted. Check N Go has contradicted themselves by saying it is XXXX XXXX XXXX who is to fix issues, but when told that XXXX XXXX XXXX states it is Check N Go that is reporting the inaccuracies, Check N Go changed their story while continuing to refuse to fix the issue.
By refusing to comply with the FCRA and fix the inaccuracies or delete them, my consumer rights are being violated and violations of the FCRA are being committed. This needs to be resolved. Predatory companies like this, should be put out of business when they don't abide by the law.
|
| 07/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I'm to understand that XXXX XXXX XXXX operates Check N Go.
I've been battling with Check N Go and the company they sold the account to before bankruptcy, XXXX XXXX XXXX. They are reporting inaccurate information to my XXXX Credit Report. I've asked repeatedly for this to be fixed or for the account to be deleted. Check N Go has contradicted themselves by saying it is XXXX XXXX XXXX who is to fix issues, but when told that XXXX XXXX XXXX XXXX it is Check N Go that is reporting the inaccuracies, Check N Go changed their story while continuing to refuse to fix the issue.
By refusing to comply with the FCRA and fix the inaccuracies or delete them, my consumer rights are being violated and violations of the FCRA are being committed. This needs to be resolved. Predatory companies like this, should be put out of business when they don't abide by the law.
|
| 12/07/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American, Servicemember |
|
This loan was made in good faith, however I became ill and required surgery. I could not pay full amount of payments and was told that if I made " good faith '' payments then they would keep it off my credit report. The original amount was {$5000.00} ( XX/XX/XXXX ) and I have made good faith payments and they are showing my balance {$4600.00} ( XX/XX/XXXX ) and they reported this debt as a bad debt charge off to the credit agencies. I have filed dispute with all agencies. I did call, and the company re-signed a contract with me and I am making payments of {$520.00} a month. I have made payments but they still are showing this debt as a bad debt on my credit reports. They threatened to report this and no matter what I did to resolve the problem my credit is now tanked. My score today is XXXX. The company will not take this off of my credit reports.
|
| 07/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I was behind on two payments but even though I was behind, they were still deducting a payment from my checking account each month. I called the company to pay the {$250.00} I was told I was behind on and which is also on my credit report and the representative told me that I owed them over {$1000.00}. After several minutes of trying to get her to explain to me why I had to pay over {$1000.00}, the rep told me to hold on while she updated my account, hung up on me and never called back. My monthly payment for this loan was {$110.00} every two weeks and payments were taken out of my checking account up until the month of XXXX which you see they started reporting it as late for three months, XXXX, XXXX and XXXX. I am able to provide you with my bank statement showing these payments were deducted from my checking account up until XXXX of this year.
|
| 05/10/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
They left messages @ my home threatening legal action, & also contacted me via email stating they have evidence that funds were received/deposited & they have XXXX different ways of linking me to fraudulent activity. They also furnished my full SSN # stating they could n't find any previous fraudulent activity. The amount of the loan, and the amount it would cost me to settle to end up w/a {$0.00} balance/acc't paid status, only to charge me an extra late fee ( which would be refunded ) within 3 business days. stating it was protocol because I 'd purchased the wrong card t make the payment. The card 's being XXXX DEBIT CARD. Card 's were purchased in the amounts of $ XXXX/ {$280.00} respectfully. Apparently, once the monies were secured by them, I 've received no further contact. XXXX XXXX was the name I as given, & I have all emails between us.
|
| 02/18/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I had a loan through Check'n'Go for the amount of {$300.00} in XX/XX/XXXX. The agreement was to pay {$43.00} every other week for a year, which comes out to almost {$1200.00} after interest.
I have the records from my bank of all the payments being processed for that amount of time, and as far as I could see, the loan and interest has been paid back.
Now this past week ( XX/XX/XXXX ), which is 3 years after the loan was agreement was signed, Check'n'Go has started taking payments out of my bank account again for the amount of {$43.00}. I have already contacted my bank to tell them that these payments are unauthorized.
I have contacted the company, but nobody is willing to look into the matter in order to resolve it. All that they say is that I need to pay them them money owed. But I have already paid them, so this is basically extortion.
|
| 08/05/2015 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
A company is harrasing me by calling me, my father, and my grandmother telling me I have a warrant out for my arrest. At XXXX, it was aggravated assault and then they corrected themselves and have told me it was for check fraud under a law titled Check XXXX Law.
They had all my personal information that dated back to when I was in highschool and had a bank account with XXXX XXXX XXXX. I found out that they work with ChecknGo and that they are requesting a debt that was paid off years ago. They did n't even know the difference between the city and the county. They told me XXXX, XXXX was in XXXX XXXX. Which it is not.
They 're number is XXXX which is in XXXX. They are saying that they are a district attorney office. I called the state Marshall and the prosecutor office. They had nothing on file with my name. I want them to stop harrasing me.
|
| 03/26/2018 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX has been calling me since around XX/XX/XXXX for debt that they allege i owe. I have asked them multiple times to stop calling me as i am not sure what they are referring to. However i am of poor health and the constant calls have been worsening my health as they bring unnecessary stress which further worsens my health. I finally sent the company a cease and desist letter through certified mail to the company and it was received on XX/XX/XXXX by XXXX XXXX. Since than i have received another collection call dated on XX/XX/XXXX from phone number XXXX. I informed the representative of my letter and hung up however i am worried that they will disregard this letter if they are not given some sort of penalty for violating the law and continuing to contact me. any assistance is greatly appreciated.
|
| 08/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
In XXXX my house was broken into and my personal checks and security card and old drivers license was stolen. have submitted documentation to XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX I submitted documentation to the collection agency and also submitted a dispute with XXXX credit bureau. XXXX XXXX responded back to the credit bureau indicating that my address and name match their records, however, they have NOT responded back to me with any status at all. I understand that my name and address match their records but I am a victim of Identity theft and that 's why I sent their company a copy of my police report, XXXX and also my drivers license. As of today, which is XXXX XXXX I have not received a response from the company and I would like to have this Collection Account removed from my credit report with XXXX credit bureau immediately.
|
| 05/08/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
I was contacted by a company called XXXX and was told I had a " summons '' and if I didn't pay $ 900+ a judgement was to be entered against me. I asked for what and where. I was told it was a " payday loan '' from 7 yrs ago, that I had STOPPED paying. I asked further about non-existent summons, told them I live in Arkansas and " payday loans '' are illegal. I was told it was from a XXXX XXXX XXXX but they could not tell me where. They had at least the last 4 digits of my social security number. I also contacted XXXX XXXX XXXX after looking them up online and was told the had no record of me having any loan from any of their locations. It was either a scam or someone has used my identity. The number I have for this XXXX is XXXX. My name is XXXX XXXX as and can be contacted by XXXX, or XXXX Thank you for your time and attention.
|
| 09/09/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
Received letter from " XXXX XXXX XXXX '' of threatening they would access XXXX, XXXX for {$510.00} payment of a " Check N ' Go '' bill where i was told there was no account this caused me to think i had the wrong business. Followed up with " Check N ' Go '' to resolve issue. Called corporate given another 800 # a total 11 different contact numbers, on XXXX to XXXX kept getting transferred to 800 # 's all were refusing to resolve payment for {$310.00} where i was told there was no account. The Company Letter head is " XXXX XXXX XXXX '' XXXX but voicemail said " Competitive Contact Solutions ''. No payment was submitted to them because they used two different names and threatened SSI & SSDI. Called back the next day there voice mail said " XXXX XXXX XXXX ''. Want to resolve the bill but I don't want to send money to a fraudster.
|
| 08/19/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
XXXX called and said they were looking for my mom because she was being sued XXXX called again with the same threat XXXX called again with the same threat XXXX called again this time with actual payday loan history and threatened again. My mom paid {$150.00} and made payment arrangement XXXX called again with same threat and said agreement was voided due to my mom breaking it? She hasnt spoken with them since the XX/XX/XXXX.
XXXX called again and said this matter is not going to go away on its own.
XXXX continued to call repeatedly.
XXXX continued to call repeatedly and threaten that this will be used in court.
XXXX called again and said this matter is not going to go away on its own, left voicemail threatening that this matter is not going to go away on its own and the ignored calls will be used in court and make me lose.
|
| 03/23/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
- UNITED STATES MINOR OUTLYING ISLANDS
- 84095
|
Web |
|
|
got a call from this # XXXX. they told me that my payday loan that I took out in 2012 was send to them and if I don't pay it, I will be arrested. I have this on recording.
they told me that they will serve me and if don't pay by Monday, I will be arrested. first time they told me I owe about {$1800.00} and the 2nd time I called to get the name of the business they told me that they are the company that serve papers and I owe XXXX I asked them to stop contacting my family members but they refused.
I'm very scared because I thought I paid everything I owe few years ago and there was nothing else on my credit.
I called check and go and told them I can payoff the amount today but they told me that they don't have it any longer. i also ask them to email me the information, they said they already have but I couldn't find anything
|
| 09/09/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Im not exactly sure on the dates, Ive been in and out of the hospital. Ive also havent had a chance to clear things up due to my health. I understand that I owe, thats not the complaint here. My complaint is with the company Check n Go, on XXXX XXXX and XXXX XXXX, XXXX XXXX Texas, XXXX. They have called my references which is a standard practice but in the same sentence they revealed my entire loan to a family member ( s ) that knew more about the loan that I taken out than I did. They informed them on the amount of the loan, the delinquent status of it, the interest as well as any pay back amounts associated with this particular loan. It wasnt in their place to discuss this with my references at all, they were not co-signers on the loan so revealing this info was not necessary and I felt that they did not respect my privacy.
|
| 11/10/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Received a phone call from XXXX XXXX XXXX stating they represented mutual recovery mediation to attempt to settle a debt from allied cash advance and would be filling charges against me in court if I did not pay. They threatened criminal charges. They refused to provide any documentation in writing. I have the phone call recorded. They would not provide me any information or location of this business. They refused to tell me who their client was. They hung up on me after I asked if they have anything in writing showing I ever consented to automated calls. The representative advised me they work closely with the judge in XXXX County Florida and told me if I don't settle they would file this in XXXX County FL and my current county of XXXX XX/XX/XXXX. They claim this was from a payday loan taken out in XXXX XX/XX/XXXX in 2011.
|
| 11/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company is providing me false information resulting in all 3 credit bureaus having negative information on my account. they keep sending me bills with a signature that is clearly not mine trying to claim i owe. i did not have a contract with these people. this negative account has been written off as bad debt which is incorrect. they are saying its a loan from a payday company which is illegal in the state that i am located. they have yet to provide proof on how i obtained this loan. they do not have the rights to legally collect the debt in addition there are not any places in my area that allow those type of loans. they are providing me the documentation that they wrote up trying to say that i agreed to the loan and i did not. they are only sending me letters with balances but no actual hard proof that this is mine.
|
| 04/02/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I called XXXX XXXX XXXX 's collection agency ( XXXX XXXX XXXX ) in XX/XX/XXXX to start the resolution process. I requested that XXXX XXXX XXXX provide a documentation of the loan, proof that the loan was mine, and that the loan wasn't paid off according to the terms, as I paid this loan off in XX/XX/XXXX. There was a " process '' to get this information. I waited 24 hours and received a phone call back and was told they could give me no further information.
As there can be no documentation provide from the creditor this loan should not be reporting to my credit report. I filed a dispute with XXXX with no resolution. When I called XXXX to discuss the dispute, I was told that the creditor just said that the loan information that was being reported was correct. I have still received no proof of the loan being legitimate.
|
| 08/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
On XX/XX/XXXX I received a telephone call from XXXX purporting to be with XXXX XXXX XXXX. The representative stated that " Check N Go '' is attempting to collect {$1000.00} from me. In XX/XX/XXXX I was discharged from US Bankruptcy Court and Check N Go was listed in this granted discharge. Check N Go continues their business practices of harassments by having different collection agencies continually contact me.
I should be the one filing suit against Check N Go because this debt was legally discharged over eight ( 8 ) years ago but yet they continue the harassments activity.
XXXX XXXX, Attorney at Law represented me in this Bankruptcy and advises me to contact you because Check N Go 's business practices described are against the law.
I am old and disabled and these scammers try to steal from me.
Please help me.
|
| 02/15/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
On XXXX XXXX, I contacted Check-N-Go ; to inform them that I could n't pay the remaining of my Loan ( {$400.00} ) that is scheduled for TODAY ( XXXX XXXX ) ; due to the fact my Checking Account that is linked to my Debit Account was hacked. I was told by XXXX ( Customer Service Representative ) to contact on Monday, XXXX XXXX to speak with a representative to schedule the payment for a different Date. When I spoke to a Representative Today ( XXXX ), I was told the funds were already taken out ; after I had stated that when I was to schedule the payment, I was to contact Check-N-Go on Monday, XXXX XXXX personally to schedule the final payment. I did NOT authorize Check-N-Go to automatically take the funds out of my Debit Card. Therefore, I am filing this complaint as Check-N-Go showed complete disregard for my request.
|
| 01/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
I was contacted by someone claiming to be a compliance officer working for XXXX county courts stating I was being sued. She said location services has been looking for me to serve me paper work for a lawsuit. I asked who, why and when and she had no answers other than youre in big trouble and need to call this number. ( XXXX ).
I contacted the number and learned that this was an old bank debt and I was in fact-not being sued or pressed for legal action.
The officer told me her job is to locate me and my FAMILY because they would be held responsible if I am unable to be located.
The intimidation tactics that the compliance officer used caused me to clock out of work immediately to contact the number given thinking I would be arrested. I lost 6 hours of pay dealing with a frivolous threat that was just an old debt.
|
| 08/19/2016 |
Yes |
|
|
|
Web |
|
|
I was attempting to contact the lender so that I can end the revolving loan and make an arrangement to pay the balance. I have already made 3 payments to them and it has not done anything to change that amount due on the loan. I am wishing to close this loan and make a more reasonable payment schedule so that I can get out of this financial burden. When I finally got in touch with a representative they we 're not willing to hear me out or discuss options so that I can pay off the loan without needing to get another. This is the first time I used a service such as this and I vow to never do it again. All I want to do is close the loan and pay back what I borrowed in a way that is affordable to me. Also the loan documents are dated to show I refinanced on XXXX XXXX 2016, when it actually occurred on XXXX XXXX, 2016.
|
| 07/29/2015 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am getting calls threatening to sue and take my property for a supposed payday loan that was not paid back years ago. They were very adamant on getting my credit card information right then to get my payment. I told them I would not give it to them without knowing who I am dealing with. They provided wire transfer details but never a physical address to mail payment, which made me feel uneasy because I was pressed to make arrangements to pay within XXXX days at that time. After researching the information provided I noticed that I had a couple other payday loans made after the date in question. I would not have been given another loan if I defaulted on a prior. These people have called my personal phone from different numbers from XXXX different states, and now a supposed attorneys office is calling my work.
|
| 11/28/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Back in the year of XXXX the peak of COVID-19, I was approved for a loan at Check N Go for {$4500.00}. Since then, life has not gotten any easier. I have not had any sort of stability which made it difficult for me to receive updates as it pertains to this loan.
I want to help, and I want to make things right but financially I am in no position to take on an extra monthly expense because I am barely making ends meet.
On XX/XX/XXXX it was brought to my attention that a creditor was trying to get in touch with me and wanting to seize wages. My being scared from the constant threats to garnish what little wages I have I agreed to a payment arrangement that I genuinely can not afford.
I am asking for more time and grace so that way I can start making payments towards this loan from XXXX Can you please help?
|
| 09/26/2016 |
Yes |
|
|
|
Web |
|
|
Just got off the phone with XXXX, called to see if I could get on a extended payment plan as stated on the website of the CFSA and under facts and myths about payday lenders on the Check n Go website. I was told that EPPs are not offered in Ohio for online loans, so does this mean they do n't follow Ohio law? I have rolled this XXXX dollar loan over 7 times at a cost of XXXX dollars! When all is paid back I will have paid XXXX dollars for a XXXX dollar loan and they wont work with me at all, only if it goes into default which will cost me bank fees and additional fees with Check n Go. Now I know all will say why did you take loan out in first place? Well I am kinda stuck in a vicious cycle cant get out and I want to badly by doing the right thing and paying it back, just asking for someone to work with me.
|
| 08/11/2016 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I was not made aware of this debt from XXXX Check N Go until I received an alert on XXXX that my credit had been adversely affected. This is NOT my debt. I did not take out this loan. I believe it was my either my mother or ex husband XXXX XXXX, who at the time was still my husband and was privy to all my information to apply for this loan online. I have asked the collection agency to provide documents with a hand written signature to show, as I am certain I did not apply for the debt in the amount of {$6100.00} XXXX XXXX Check N Go. They have not responded to my requests to provide documented evidence regarding the owner of the debt. An electronic signature is insufficient to prove it is my debt as my then husband and I had joint accounts, used the same computer, and thus would have the same IP address.
|
| 07/06/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
For over XXXX years, debt collections appears on my report. I have no idea how i loaned money that I 've never seen. These loan companies eventually kept throwing the account into debt collectors which keep harassing me with phone calls during my duty. The debt collectors appear to throw my account into other debt collectors. I reported identity theft to the IRS and they gave me a pin for tax purpose. I disputed online with no resolve. I 'm also looking through information on where I worked, I never worked for XXXX. In addition, I stopped working for XXXX XXXX several years ago. The home address is also incorrect. I live on-post in an XXXX base, in XXXX. Before that I was stationed in XXXX. Why am I being attacked for being a victim of identity theft? Is n't the SCRA and FDCPA exist to protect consumers?
|
| 04/30/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I reported the business to the XXXX about 3 weeks ago because of collection calls I was receiving. Told two representatives that I have not worked due to COVID19 and I told them I would pay the loan as soon as I resume getting a check. They went on to ask if I was getting an unemployment check, I explained to them that I dont know when Ill resume work because Im not eligible for unemployment. I told them soon as I get paid Ill resume payments with them. Theyve continued to debit my checking account resulting in it being $ XXXX, if I told them I have no money then that means they shouldnt try to pull money out thats not there. This is a violation of my rights and I got the XXXX involved and Check N Go tried to refer me to their online customer service instead of an actual representative of the company
|
| 10/22/2016 |
Yes |
|
|
|
Web |
|
|
I went to Check n Go on XXXX and I was told that I needed to provide a paystub because the XXXX on file was over 30 days old. I complied with the request. I was also told that I needed to provide proof of an active bank account. I showed the representative my my bank account info from my smartphone. I 'm XXXX XXXX. I noticed a XXXX male ahead of me asked for a loan for {$420.00} and he did not have a paystub and he was told that 's ok you do n't need XXXX because the one we have on file is just over 30 days old. He also did not ask him to prove he had an active bank account. I feel I was discriminated against. Everyone should be held to the same standards and practices. I just wanted to bring this to the attention of management to ensure that lending requirement are consistent with all customers.
|
| 03/20/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I received phone calls from XXXX XXXX, threatening legal action for a past due bill. I was intimidated, so provided my fiancs debit card number because we share a bank account. She called XXXX XXXX, and felt that he was scamming us, so she cancelled her debit card. She asked XXXX XXXX to send a bill, and he sent it in an email. The cover page of the email had a company logo for XXXX XXXX XXXX. Inside the email, it stated it was from XXXX XXXX XXXX XXXX, XXXX. The current creditor was listed as XXXX XXXX XXXX, XXXX. My fianc and myself have received numerous harassing phone calls from XXXX XXXX. He has shouted at her, called her a low life. He calls my family members and tells them theres a case against me for fraud. We both have been threatened with legal action for providing a false instrument.
|
| 04/18/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I have made several online loans with this lender. My most recent loan in the amount of {$1500.00} will be due on XXXX XXXX. Normally I login to their website and refinance the loan, pay down the original loan by 50 % or more. Today I tried doing the same as with my previous loans and was denied the opportunity to refinance?? This came as total surprise. I have never been late or ask for any type of assitance in repaying one of their loans. There is no way I can repay the entire {$1800.00} next week. Is this some type of setup on their part to create more finance charges and or late fees? I have attached a copy of the loan document, denial form, and loan history page. They may also being pulling a credit report each time I apply for a loan or request to refinance by paying additional money down.
|
| 09/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Received several phone calls on XX/XX/2023, I answered the phone to blank air 3 times, and once got a recording @ XXXX pm. I waited on the line and finally pushed enough buttons to get someone from " Check and Go '', a title loan company. I asked who she was and what company and had to drag the information out of the caller. I ask for something in writing because I have never heard of the company. She said she didn't have to send me anything. I asked several more times for something in writing and she refused. She didn't want to verify the business name, the debt amount and would not give me any more information. She pressured me to answer question requiring a " yes or no '' and I refused. She finally hung up after I demanded something in writing to verify the company/debt and she hung up.
|
| 07/29/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
IcalledintomakepaymentonXX/XX/19throughACH,thefundswereneverwithdrawnfrommyaccount.OnXX/XX/19Icontactedcheckingoagaintoadvisethatmyfundsneverwithdrewmyaccount,andtheyadvisedthattherewasanissue,andthattheyneededtoescalateuptomanagementandthatIwouldgetacallback.IwasassuredbycustomerservicethatIwouldn'tbechargedextrainterestandtheoriginaldateforpayoffoftheXX/XX/19wouldbehonored.Ineverdidreceiveacallback,soIcontactedcheckingoonXX/XX/19aspayoffstillwasnotwithdrewfrommyaccount.IwastoldthatIcanpaywithadebitcard,asmybankwouldnotacceptmyACHandthatnowwouldnotbehonoringmyoriginalpayoffandattemptedtodothatandadvisedthatitwasnotbeingacceptedandhadtocontactmybanktoreleaseanyholds.Iknowhaveincurredover200.00ininterest,withoutanyphonecallsfromcheckingotoadvisethattheycouldnotacceptpaymentsfromtheXX/XX/19.
|
| 05/07/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I had a payment due in the beginning of XX/XX/XXXX to XXXX XXXX XXXX and reached out to employee XXXX at the XXXX XXXX location to explain I was going through a financial hardship due to a death in the family and sick elderly parent and said I needed to make other payment arrangements and would pay at a later date. I also revoked ACH/Debit authorization from my bank account. She told me she notated my account and then they still debited my account on XX/XX/XXXX and caused me an overdraft fee. I then spoke to district manager, Mr. XXXX and he said he would refund the fee from my next payment. I have not been able to pay yet and they again debited my account on XX/XX/XXXX without my authorization. I need this money refunded as they are continuing to debit my account without authorization.
|
| 07/06/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
My husband and I both got a payday loan from Check n go. They are taking $ XXXX from me every month and $ XXXX from my husband every 2 weeks for 18 months each. We were told the interest is only 200 % and not a penny more. Yet only {$5.00} goes to principal and the rest interest. When I do the math on both loans it comes to more like 300 % +. They refuse to work with us. I am tired of their so called lying legal department telling me they guarantee the interest is only 200 %. I borrowed {$1300.00} and my husband {$5000.00} by the ladies being so deceiving and calm explaining everything false to both of us. They refused to let us read the papers we were to sign yet tell us let us explain to you what this paperwork says. The ladies falsified the information and left so much information out.
|
| 12/01/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I am coming to the conclusion that Check N Go is making it difficult for clients to pay on their loan intentionally, and not making the terms of their loan agreement accessible. I have tried to locate my loan docs online, and am unable to. When I ask a rep, they direct me to the online account website to no avail ... they stated it may be a problem on my side. When I try to pay the loan online or over the phone, it seems my account number can not be found and it is too late to pay over the phone. The loan accumulates interest at {$15.00} per day, making it beneficial for Check N Go to prolong payments. During the XXXX holiday, I tried to pay but was unable to, and accumulated {$30.00} in interest just because there was no way for me to pay. This seems like unfair lending practices to me.
|
| 07/06/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have been receiving numerous calls from blcoked numbers leaving threatening harsh messages. I finally called the number left. Had to call back 6 times because they kept hanging up on me when I asked for information. They yelled and cussed at me. Refused to give me any information other than I supposedly owe a debt to Check-n-Go from XXXX, 8 years ago for a payday loan. I can PROVE I did not work in XXXX, I haven't worked since XXXX due to health reasons. I have no idea what they are talking about. All I can do is assume this a case of fraud or identity theft.
I have called all these numbers trying to resolve this issue and was just given the run around. Nobody would even tell me how much this debt is, they just kept asking for my personal information they refused tell me anything.
|
| 09/16/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
Servicemember |
|
I refinanced with Check n Go, and they agreed to only take out {$170.00} on XX/XX/2022. With out my knowledge they took out the entire loan amount of {$460.00}, leaving my bank account overdrawn by {$460.00}. I called and tried to get it fixed, and they told me they no longer do service in Nevada. They never told me this, and they never told me they were taking my money. Now they are telling me I have no options, that my account has been closed and there is nothing they can do. I spoke to XXXX different people. The XXXX, XXXX told me that he would try to help. I forwarded my confirmation email to customer service, and he is going to see what he can do. There has to be something, they can't just go into my account and take more money than what we agreed on. Please help me if you can.
|
| 10/23/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
I realized 2 days before my payment was to be drawn from my checking account that I didn't have the funds available so I went to a local store ( XXXX XXXXXXXX XXXX ) for a XXXX XXXX ( reference # XXXX ) to satisfy the debt OWED I Payed the ( XXXX ) owed on the loan an additional fee ( XXXX ) to express the payment for a total of ( XXXX ) and then my checking account was overdrawn due to checking taking out the funds and charged an additional over draft fee of ( XXXX ) but i had already paid through XXXX XX/XX/2019 at XXXX XXXX XXXX, when I called to inquire what happened ( checkngo online ) they said I never called back for a code to assure I made payment ... NO ONE told me that I needed to do so, I went to the local ( Checkngo store ) and they told me nothing can or will be done.
|
| 04/01/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
Check n Go states I took a loan for {$520.00} and they were offering a settlement of {$300.00}. They said the settlement back in XXXX was only good for that particular day, after that it would expire.
I advised that this debt was time barred. They stated I made an agreement to pay this off in XXXX. This did not happen to my knowledge and they stated they have a recording of the phone call.
They threatened me with my local court office and are filing a complaint. I can assure you that this debt is time barred simply for the lack of contact by myself and when the loan defaulted. This started in XXXX. For them to find a way to say it was restarted back in XXXX or XXXX is just false. Maybe they started attempts at collections again but nothing was ever agreed upon or spoke about.
|
| 12/10/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
This is my 2nd complaint that I have filed with the Consume Financial Protection Bureau against XXXX XXXX XXXX. The first complaint was on XX/XX/XXXX. On XX/XX/XXXX I received a " Notification of lawsuit Filing and Civil Complaint '' from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. I PAID/settled this loan in the amount {$250.00} in XX/XX/XXXX to XXXX XXXX XXXX that was representing XXXX XXXX XXXX for the loan. On XX/XX/XXXX @ XXXX XXXX I received a pone call from XXXX XXXX XXXX asking for a settlement on the XXXX XXXX XXXX loan. I informed them that I paid the debt. the conversation got heated and I was informed that they were taking me to court and I told them to go ahead.
Over 5 years XXXX XXXX XXXX have not updated their records to showing that I PAID this loan!!
|
| 10/18/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
We attempted to pay the loan on Thursday, XX/XX/XXXX. The Check and Go ( the company that gave the loan ) 's branch had closed. We were referred to a manager. The manager did not know how to pay a loan.
On Friday, XX/XX/XXXX, we went to the local branch, in XXXX, XXXX, only to be informed that they would not take payment on the loan because the original Check and Go branch where the loan was started was in XXXX.
By the time we had managed to find the original branch, six days had passed to Tuesday, XX/XX/XXXX. However, Check and Go continued to assess fees and interest on the loan since Thursday, XX/XX/XXXX, even though we were able to and wanted to pay off the loan. They refused to consider letting us pay the loan using interest current as of Thursday, XX/XX/XXXX.
|
| 07/18/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
Servicemember |
|
On XX/XX/2019 and XX/XX/2019, I stated to the company I was willing to pay what I was paying the other debt collector, XXXX, who went out of business, which is {$100.00} a month. However they wanted me to agree to their terms of payment. So I asked if I could have until the end of the month to budget, the supervisor got on the phone and said you know how much you make, you have 2 hours to agree to our terms or we are going to garnish your wages and I have your employers contact information. I said I will agree now on the {$100.00} a month but he told me to keep my little money for my lawyer. Then I said I have one and I pay every month, he said whats the number about 5 times before I hung up. I also got a message that I refused to pay which I never refused to pay.
|
| 01/12/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
I am working XXXX XXXX since XX/XX/XXXX to present. Today, XX/XX/XXXX at XXXX, I received a call from my place of employment which is the XXXX XXXX XXXX XXXX I was informed that Check n go has been calling several times repeated each day and claimed that they are a collections dept. I was given the contact phone number which is XXXX and they answered collections dept. I informed that I do not have a pending debt with them but I was a previous customer and informed of the situation. The person I spoke to by the name of XXXX informed me that I do not have a balance and that I would receive an email with a verification letter. At XXXX today, I received another email from work informing me that they have been calling 3-4 times a day! I will also seek legal advice!!
|
| 05/09/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
My wife and i took out a pay day loan with Check and Go on XXXX XXXX XXXX we have been paying this account for months and months, we have been getting threatening phone calls from the number XXXX she is now saying that if we do not pay the amount owed they will issue a warrant for my arrest. They will not send anything in writing to try and set up a payment plan with them. they only want us to pay up front, not even sure if this is a legitimate company. And now they are calling our work number constantly. Even after being told not to call our job. We need help on this. We have also contacted Check and Go but they said that this account has been sold and they no longer have anything to do with the account. Thank you and have a wonderful day.
|
| 09/24/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
In the month of XX/XX/2019 I called Check n Go and requested that they stop withdrawing money from my account. There has been more than one occasion that money was attempted to be withdrawn from my account on the wrong date, which caused my account to overdraft. I accumulated late fees and I requested all future payments to stop. On XX/XX/XXXX my account was charged XXXX. My account was not supposed to be charged since I requested that all future automatic payments stop. It appears that my account does not reflect all the payments that have been made.I called the company on XX/XX/XXXX in regards to their fraudulent activity. They agreed that I requested stop payments in XX/XX/XXXX but couldnt justify why they are making unauthorized charges to my account.
|
| 05/13/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
I get this email from a company called XXXX XXXX XXXX saying I have a loan due.
I DO NOT have any loans or I have not applied for one. This number is not a working number.
Email says : XXXX XXXX XXXX XXXX Your payment is due soon - we look forward to seeing you Hi XXXX, This is a quick reminder that your payment is almost due. We look forward to seeing you on XX/XX/18 to make a payment of {$550.00} on your current loan.
For additional payment options, call your XXXX XXXX XXXX Store at XXXX and we would be happy to discuss them with you. Did you know that check cashing, XXXX, and XXXX XXXX services may also be available in your state? Ask about these services on your next visit.
Thanks for choosing XXXX XXXX XXXX - we appreciate your business.
|
| 10/20/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Servicemember |
|
Took out a {$3500.00} loan over 18 months ago Was told in XXXX of 2015, there was XXXX payments left. ( I 'm still paying ). Paying over 300 % interest -- I get it. From what I can gather, now I am being charged additional " fees and interest '' for time it took ACH payment to hit THEIR account. Have called to complain to company at every level, with usual referral to a complaint website. I have been given XXXX different pay offs and XXXX different reason why there is still a balance. 13 days ago, I filed complaint on website " XXXX '' Have yet to hear from ANYONE and they claim fees and interest are still adding up. Calling the corporate offices yields a " they are a franchise office '' call them attitude with no real offers to help to to my relief.
|
| 09/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX does payday and installment loans under " Check n Go ''. Every time you borrow money from them they go into your credit report even if you pay on time or have never had any problems with them they will put a new inquiry on your credit report. For example I just recently borrowed money from them and my loan will become due in three weeks they put an inquiry on my credit report the same day. In fact they will not let you get a loan or refinance a small loan without going into your credit report. They do it every single time you get any money with them big or small.
They are unethical and ruthless with their practices. Do not use they 're services you will regret it when you see how many times they will put an inquiry on your credit report.
|
| 02/25/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
XXXX Re : Original Account No. : XXXX Original Creditor : Great Plains XXXX
Reference Number : XXXX XXXX XXXX XXXX has threatening me with criminal charges if I do not immediately pay on this debt. They have called multiple family members from unknown and blocked numbers stating that I have " serious legal matter '' and to contact them immediately. When I returned the phone call I was told that they would be filing criminal charges for check fraud, up to 2 years in jail. They have also represented themselves as process servers and employees of XXXX XXXX where I live. They asked for a debit card number over the phone and no options for a more secure form of payment or guarantee that I am paying a debt they actually hold in their office that I owe.
|
| 06/01/2015 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
I keep getting calls from various numbers every so often ( over the last 4 years ) they will call under a different name and with threats from a public server that I will be served at home or work withing 24 hours. They have also contacted my ex-husband and mother-in-law continuously.. when i ask the name of the company and address, they give me nothing but today a person named XXXX XXXX called and said he will serve me within 24 hours. I am not sure if this dead debt is being tossed around to several collections companies every so often ... ..I need them to produce info, take me to court or something, but I just keep getting harrassed and no info from them. here are XXXX of the numbers that called me today from the same place ( XXXX ) ; ( XXXX ).
|
| 03/01/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
On XX/XX/XXXX I applied for a loan through XXXX. The loan was for {$2500.00}. I was told over the phone that I would be billed $ XXXXMonth on the XXXX of each day. On the XXXX of XXXX I was billed again for the same price ( {$240.00} ). I called the toll free number to dispute it but was told that I signed a contract to be billed bi/weekly for 18 months. I was never told this. I asked a couple of times to be sure that it was only one billing per month. There is no way I would have ever signed a contract for a {$2500.00} loan if I knew that I was going to have to repay them a total of {$8600.00} over 18 months!! I asked the gentleman if I could repay the {$2500.00} in one lump sum and avoid the penalty fees and he told me that wasn't an option.
|
| 02/03/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
I made a complaint right here and they did nothing so this complaint process seems to be as bogus as checkngo 's promises. They broke the agreement and took money 3 days early. Then after I complained they said they would send me {$35.00} for their mistake. I sent them payment minus the XXXX dollars because i don't trust them/ now they say they don't have my money and are badgering me to pay them again.The loan was to be paid on XX/XX/XXXX they took the money XX/XX/XXXX the loan was for XXXX XXXX to be paid back with interest and fees. I paid them they broke the contract and now they claim i haven't paid. I have proof from my bank that shows all I am saying is accurate. They will not correct their mistake and they continue to punish me for it.
|
| 12/30/2017 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I called to schedule a payment for XXXX XXXX XXXX as well as to schedule a payment on apast due balance. Lady worker said they where busy and would call back. I never received a call instead I checked my bank account and 4 chargers where placed on my bank account. Previously, company ACH my bank due to a payment I apparently was behind. I had paid off the balance and them as workers did not set the money towards the payments as per the manager. She then stated I should refinance which would eliminate the problem. I didnt know that I had to reborrow and pay more interest just to fix there issues. They stated I would get a refund and till then have never got it. They keep saying the district manager is working on it but I never here anything.
|
| 06/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
"
|
| 02/05/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I received a loan for XXXX $ XXXX did this at Check N Go but on line in the store. I have been paying them XXXX a month since the end of XXXX in 2020. So I have already paid back them XXXX they are telling me I still owe them XXXX. Come to find out they are charging me 175 % interest on this loan. I figure since they were taking XXXX a month I would be able to pay the loan off quickly. Yes I realize I should have read the fine print to see that interest rate was so high ( I only figured it would be no more than 30 % ). I called them they said they are within the legal limits? How can they get away with this? This is robbery! They are taking advantage of people who think they are in desperate situation. It is outrageous they can charge 175 %
|
| 06/24/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have never received a loan from check n go NEVER. All of a sudden this month when I checked my credit score and reports, I seen a collection for check n go for {$590.00}. Once again I never applied for a loan or received that money At all. At this point Im pretty certain its fraud because on my XXXX app it only shows this month and this month only which is weird and then they reported to collections in the same month. I tried to dispute it twice and they wont take it off so Im trying to find more alternatives to get this off my credit knowing I didnt apply or got the money .And its not right nor fair for this to be on my credit and i didnt do it at all. And I was a victim of identity theft and I hope and pray this is not another incident
|
| 11/22/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was working on puchasing a house then this came up on my credit report.
I was able to remove the problem from XXXX and XXXX its showing up on my report again this time on XXXX.
Axcssfn/cngo Acount XXXX I have never received any information on this account.
It shows on the credit report Charge off on 2014. Again I have never receive any phone calls or mail about this account.They are saying Balance is {$15000.00} when I lived at XXXX XXXX XXXX XXXX your identity. I did call my anttorney XXXX XXXX XXXX he tryed to call and get this worked out and had no luck.
if this was me why would someone from the company call me to work this out or to let me know I was late with the paymenst I never received a call or mail on this account.ever.
|
| 08/29/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I received a call and a letter from the XXXX XXXX XXXX, Letting me know that they were going to sue me on a payday loan. I took out this loan back in XX/XX/XXXX/XX/XX/XXXX, and they are claiming that I committed Fraud on them. This statement is not valid, but the main issues are, the debt is over the statute of limitations to collect in the state of Oklahoma, which is the state I took the loan out. XXXX threatens to take me to court, calls all the time and now are telling me that " my case has been noted with malicious intent to commit fraud. '' This company is harassing me, calling me all the time and they are just rude. I try to tell the customer service reps that it's out of the statute of limitation and they yell and call me a thief.
|
| 03/01/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Ive received a Pay Day loan with Check n Go in XXXX for {$300.00} and Ive received a call XX/XX/XXXX from representative who states this is considered fraud and if I dont pay the debt or give my bank information theyre serving me with a warrant for my arrest. The representative also requested a portion of the payment in order to stop a warrant from being served at my place of employment or home. I advised the rep I never received any documents regarding this issue and they advised it was sent to an old address but its my responsibility. Im really scared to give my bank info but Im also scared to be arrested for a {$300.00} payday loan that is now {$1400.00}. Is it legal for the threats and harsh calls with representative yelling at me?
|
| 04/28/2015 |
Yes |
|
|
|
Web |
|
|
Received a payday loan back in XX/XX/XXXX. I tried to contact the lender ( Check n go ) to pay off loan. To no avail they did n't have any information that I took out a loan. I got a call on my job XXXX from A person name XXXX XXXX contacted my job threating me that I would be arrested. I call hiim back and he couldnt tell me what online Payday loan I had taken out, but had all of my personal information. He is harrassing me. His number is XXXX. I wanted to set up payments but he transferred me to XXXX XXXX XXXX who still could not tell me who I was paying. I didnt give him payments because he could n't tell me what company my loan was with. I 'm not giving out my bank card to just anyone. Please help stop them from contacting my job.
|
| 08/04/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
IRC services called my brothers phone left a.message that they wwre going to have me arrested for me to contact them. He happens to work with me and hunted me down. The guy was yelling that I didn't pay my payday loan from check n go in XXXX and he was filing felony fraud charges against me and I would be arrested today if I didn't pay XXXX. He discussed all this with my brother 1st. My brother 's name isn't on any thjng that I've ever borrowed. When I called back he was yelling I had 1 hour to pay. I do have a payday loan that I owe on from XXXX. But there was no fraud committed like he said. He said they would be arresting me today in my way home from work. Can you please help? The phone number he called from is XXXX, XXXX XXXX
|
| 03/28/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
States he is from XXXX XXXX XXXX. States my husband and I are going to be criminally charged for payday loans taken out in 2015. I told him to send me paperwork. They have called my mother in law three times now and both of our employers. I told them this is not allowed. Plus they are not allowed to call them more than once. He is threatening criminal charges which is also illegal. I told him to send me paperwork to verify his claims. He told me good luck. I know they can not threaten criminal charges on a payday loan. I also know payday loans are illegal in my state. I can not recall taking these out. I do not appreciate them breaking the law and trying to blackmail me to get me to pay. He said his personal phone number is XXXX
|
| 05/16/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
3 years ago I was on vacation. And some took out a loan for {$500.00}. XXXX XXXX XXXX said I walked into a store and took this loan out and they have video proof. I never took out a loan. I noticed the charges on my bank statement when I got home. I contacted my bank. They froze my account. And made me open a new account. They did a full investigation and found that these were in deed fraudulent charges. XXXX reimbursed my money. I sent the report to XXXX XXXX XXXX And now 3 years later I'm receiving threatening calls at home and work. Stating they are going to take me court and I'm going to have to pay restitution and they are going to garnish my wages .they are saying they have the video still. This needs to stop. Please help
|
| 07/09/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I have been getting calls from these people over a debt that they refuse to provide any documentation that I owe, over the last 2 weeks. They supposed that I took out a payday loan when I lived at an address that has not been my address in about 12 years. I asked for the name of the lender and was given a list of possibilities. Upon calling all of them they told me that was completely inaccurate and not to pay these people.
I asked for them to go ahead and send their documents, I have no issues debating this in court as their practices were completely inappropriate. They told me I would be arrested today. This is unacceptable. I have no company name even. The phone numbers I have are ( XXXX ) XXXX-XXXX & ( XXXX ) XXXX-XXXX
|
| 07/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX XXXX placed a collection on my credit report. No validation process was followed. No information Was provided regarding what the debt was for. I researched and verified a fraudulent pay day loan was made in XXXX of XXXX. The debt was from a fraudulent check n go loan. I filed a Identity theft report and police report for several fraudulent accounts opened in XXXX due to my information Being leaked in a XXXX email data breach. No XXXX of XXXX XXXX XXXX XXXX Files a fraudulent collection that is over 7 years old and does not have any certified documentation verifying I requested a loan with check n go. I expect this fraudulent debt to be removed and no further reporting made for a fraudulent debt from over 7 years ago.
|
| 06/30/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
This company is deceptively doing business as Allied Cash Advance and using the actual company logo when in fact they are not affiliated with them at all.
I received a loan approval for a range between $ XXXX {$8000.00}. In order to secure the loan I would have to pay {$300.00} either by debit card ( which would take XXXX business days to clear ) or by using an XXXX payment card or XXXX
I spoke to an actual Allied Cash Advance representative over the phone and they stated this is not their company policy and that they do not do installment loans in the state of Indiana which is where I live.
I will attach a copy of the loan agreement and email I received with the phone number. There is no website for this fake company.
|
| 08/23/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
My name is XXXX XXXX. On XX/XX/2019, I went to check n go to apply for a loan. They loaned me {$1700.00}. I paid {$240.00} On XX/XX/2019. I called check n go and they told me to pay off as of today is {$2000.00} and every day it increases. I did not know I was going to have to pay back so much. They put me in a loan that they knew according to my income, I could never pay off. I am mentally XXXX and on a fixed income and take care of my daughter with XXXX. Im taking them {$1200.00} today that I had saved up to buy a house for me and my daughter. They told me that this loan wouldnt show up on my credit report but its on my XXXX, XXXX, and XXXX. Please help me with this matter because Im on a fixed income and cant afford this.
|
| 04/29/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
Servicemember |
|
I made contact with Check N Go Management and left a a couple of voicemail messages as nobody was available to attend my calls.
I am respectfully requesting that Check N Go reps stop trying to withdraw money out my XXXX XXXX XXXX checking account ending # XXXX as my account is overdrawn with excessive fees of around {$400.00} and there is no funds available.
I am respectfully going through a difficult financial hardship and my family hardships and going through a Coronavirus issues.
Check N Go Management hasn't sent me the new balance of debt and there is fees with XXXX XXXX XXXX checking account ending # XXXX that has been excessive fees of overdraft by Check n Go.
I am respectfully XXXX Lifetime and Retired.
|
| 01/11/2017 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
Today XXXX XXXX, gave me a call saying she is a court mediator XXXX fraud cases filed against me in XXXX County the county in which I live.
Advisor I 'm not familiar with this debt and believe it may have been fraudulently done by my ex had access to my bank account but I do not know that for sure and to send me information and verification of debt as I 've asked many times from the same company, I 've been dealing with this company for a year and have still yet to get any verification of debt.
She said if I did not pay the settlement amount of {$160.00} today I would be served within 72 hours and if it was my ex has filed it that 's not that I am still the financial person on there and need to pay this debt today.
|
| 12/22/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
I keep receiving phone calls about an installment/payday loan which is from CNG Financial in XXXX. The first person I spoke with would not release the law firms office who advised me, which her name was XXXX XXXX that I need a defense attorney because they are filing criminal charges against me. I received another call today XXXX/XXXX/XXXX and spoke with an XXXX who stated they would be suing me for not paying my payday loan that I took out online. I tried explaining I was going through bankruptcy and my filing is going to be ready for the last week of XXXX XXXX as I have retained a bankruptcy attorney. They refused to take the information and advised they will consider criminal actions for not paying this loan back.
|
| 04/16/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
In XXXX I received notice a new account repository my XXXX credit report. Upon revisit showed axcess financial and I was not familiar with this. I called the number provided they stated I had applied for a loan but they could not nor would not give me any other information. I asked if XXXX XXXX was also on account they confirmed but would not give anything else. I believe my ex-wife opened this account and had funds deposited into her XXXX XXXX Account without my knowledge. She previously did so with a company called loan me and they confirmed and immediately closed the fraudulent account.. this is not my account I never received any funds from this company. Please look into possible fraud actions by XXXX XXXX XXXX.
|
| 03/31/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XX/XX/21 received a robocall regarding an old debt which was paid last year in full. The recorded message stated that my employer would be notified as well as the HR department and that this would be the only attempt the collection company would take to reach me to fix the situation. I called the collection company back on the number in my caller ID because the message went too fast to get written so it was the only number I had. When the phone was finally answered by the collection company, I was half way through explaining what I needed help with and the receptionist or whomever hung up after telling me that its my problem that I have the debt and I should have been writing as soon as the call came into my phone.
|
| 11/13/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I completed online loan inquiries and received a response from XXXX XXXX XXXX, phone number XXXX. When I contacted above number and was finished with the verification process they started talking about getting my credit card info for a verification and then I would be able to get loan. I asked why and he gave me a response that did not make sense. I told them I wanted to cancel application and they have my information so I don't know what to do. They sent me emails with XXXX XXXX XXXX names, information, and legit looking documents. When I called they answered with XXXX XXXX XXXX as well. I don't know if this is legit XXXX XXXX XXXX but if it's not they have all my information from the verification process I did.
|
| 07/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.
I recognize your quick regard for BLOCK or REMOVE these ADDRESSES, NAME, ACCOUNT and reaction inside 4 work days : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX
|
| 03/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was appalled to find out that not only was the status indicated as Charged off but the company has also indicated that they have not been receiving payments from me ( NP ). In fact, I have been working diligently to the point that they automatically retrieve the payment bi-monthly from my checking account. So it shouldn't be both ways ... .either I've been difficult to deal with that they had to get an outside company involved ( charge off ) or I'm doing my due diligence in trying to comply with their demands. I thought that we had a good relationship since I have been very faithful in repaying to them directly. Now there's this undeserved black eye on my credit report which I feel is not deserving.
|
| 07/12/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I took out a payday loan in XXXX with AXCSSFN/CNGO which is the secondary collection agency that took over for the original lender and even though I filed bankruptcy in XXXX of XXXX, AXCSSFN/CNGO put this payday loan account on my XXXX credit report as a current debt that is a charged off. The account with AXCSSFN/CNGO was never a charge off and should reflect included in Bankruptcy. I have disputed this information and they still keep saying that it is accurate. AXCSSFN/CNGO is a collection agency that bought the payday loan from the original lender and they are still trying to collect a debt that has been discharge. I have tried calling AXCSSFN/CNGO and they don't even have a number to reach them.
|
| 01/30/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I have an XXXX loan from cash-n-go. Every time, Cash-n-go process my payments through direct deposit, I was charged for additional 12-14 days of interest. The reason was waiting for the fund to clear from my bank. I went to see why their so much time delay for the bank to pay the loan but XXXX said no that 's not the case. The bank pays the next day after the business process it. Chas-N-Go had charged me XXXX times such extended interest for a reason not mine or my bank 's fault. Cash-n-go has lied to me by stating false information, and they charged me {$200.00} each for a total of {$1000.00}. I was rubbed in a daylight.
If needed I can present my paper from the bank and Cash-n-go.
thanks XXXX
|
| 11/14/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Older American |
|
I received a Notice of Lawsuit letter threatening to sue me for a very old debt from XXXX XXXX XXXX in XXXX, OH. No prior communication stating the debt was due was received. The correspondence does not indicate when the debt occurred or how much was the original debt. It states the amount due but it does not state if that was the original debt amount. I am not familiar with this particular debt. I do not know when or where this debt originated.
Furthermore, a copy of the correspondence was sent to the XXXX XXXX XXXX XXXX and to XXXX Credit Bureau. I would like to seek damages against this debt collector.
A copy of the letter is attached. I can be contacted via email, XXXX or by phone, XXXX.
|
| 12/16/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
They suggested i purchase a visa prepaid card to make partial payment on repayment plan. I bought pre paid card they suggested it did not work. They suggested i purchase netspend prepaid card i bought netspend card it did not work. They suggested to mail in partial payment via mail.Every week a different person calls (after i already explained on payday when i would be able to make the partial payment. The installment loan was supposed to be XXXX$ ( a month) strangely it is XXXX$ EVERY 2 weeks which is more then my car payment. I explain to them OVER AND OVER and OVER my paydays. they note in their computers. But have someone different calling every week. At this point it is severe HARASSMENT.
|
| 04/06/2016 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
I received a phone call form a third party called XXXX, collections company for Check-N-Go, without reading the federal disclosure the collector advised that an unpaid debt was transferred to their company to be handled within 24 hours. Once I advised the disclosure was not recited and he was aware that I had extensive knowledge regarding FDCPA and collection activities, he was unwilling to listen and stated if I did not give him my debit card number within 24 hours that I was unwilling to pay this debt. I had advised the representative that was not at all what I was doing and in fact I want to pay the debt, however I will not give my debit card without more information regarding this debt.
|
| 05/01/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I made a few Payments of above my minimum of {$500.00} payments of {$650.00}, {$900.00}, and {$600.00}. They keep insisting they do not want to settle for a lower payment I have made a 4 of the 11 payments and I can not afford to make anymore payment of {$500.00}. XXXX is forcing me to pay back {$5500.00}. The loan was {$2200.00} they told me while I was in the early few months and they insisted that I would not need to pay back the full amount. Im trying to close it but they want a total of the full amount they want me to pay. This is cruel and not fair. Before I even accepted the terms I spoke with multiple representatives and they to said I would not need to pay the full amount.
|
| 10/24/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received what I think is a fake collection letter from XXXX XXXX XXXX, or someone impersonating them. This collection attempt is for an installment loan through a payday loan company, and mentions as a potential witness against me my ex-wife who is deceased. ( I haven't seen or heard from her since 2001. ) Also I never took out an installment load with the payday loan company mentioned in the letter. Whomever sent the letter is also trying to pass it off as a legal document with a " filed '' stamp on it, although it doesn't look like any legal document I've ever seen. The amount of money they want me to pay is a significant in that it's not a small sum, at least by my standards.
|
| 06/30/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
Due to COVID-19, I contacted the company to pay off the balance of the loan. I called several times before reaching a satisfactory agreement. The agreement included 2 forgiven payments and I was told that the loan would be brought current. On XX/XX/2020 I paid off the balance off the " current '' loan.
Today I find that they reported a delinquent payment to the credit bureau and closed the loan which was contrary to the agreement made. The deliberately mislead me and deliberately attempted to hurt my credit rating. During my attempts to make an arrangement with them, they avoided returning my calls and caused the agreed amount to increase by days before I could pay off the loan.
|
| 04/15/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
A man keeps calling from phone number XXXX, claims he is a lawyer and says that if I dont pay back a payday loan from nearly 3 years ago, that I 'm going to jail. Says I should have received a court summons recently, and even went as far as saying when I 'm being arrested. Also someone called on my personal cell phone with the phone number from the local police dept on my caller ID, the person calling me then was female, she gave FAKE name and FAKE badge number, then claimed that she was on her way with local sheriff to arrest me for non-payment of old payday loan. No one ever showed up. Later confirmed with local police department that the officer name and badge number was fake.
|
| 03/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud.
CHECKNGO/XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
|
| 04/20/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
They called me over 4 times in under an hour on XX/XX/23 between XXXX from XXXX. Claim to be XXXX XXXX. They claimed they have me on camera in my XXXX uniform walking inside of a check and go.. first off, my job doesn't have uniforms and I don't have a XXXX uniform.
XXXX off, there is no check and go here. XXXX, he cussed at me, called me stupid and named off all my personal information, threatened to have my wages garnished and some more.
I've never received a letter in the mail of any documentation of this. I've never walked inside a check and go. Don't even know what a storefront looks like but there's none around here in this small town. I am tired of them harassing me.
|
| 02/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American |
|
Four years ago, I moved into a new home. Contacted XXXX for TVS, phone and internet. The technician came to my home ran the wires for four TV hook-ups and hooked up my phone. I did not have the TVS yet, nor the internet, but had the phone for 4 months. Every month I was charged for the TVS and internet even though I had no service. After 4 months they disconnected my phone and set me a bill for over {$400.00}. I called them and said that I was still willing to have XXXX as my provider, but XXXX said not until I pay the bill. So I sent all the receivers back to them via XXXX XXXX. Now a company called XXXX is bugging me weekly. This is doing serious damage to my credit report.
|
| 11/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
A company called Axcess Financial whom Ive never heard of says Ive taken out loans with their company. Ive never taken a loan out in my life. I contacted XXXX and XXXX notified them of fraud. I was told the loan originatated from a location in Texas, I live in California. After Axcess Financial was contacted by XXXX, I was sent a letter from Axcess Financial stating that they verified my identity by sending a One-Time Passcode to a phone number. Getting ahold of Axcess Financial directly seems to be an impossible task which Im assuming is done purposely to keep people from calling their company out on their business practices. Please help me remedy this situation. Thank you.
|
| 01/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
About six months ago I had discovered that i am a victim of identity theft. I discovered that some one unknown to me had used my personal information to get few credit cards and few personal loans under my name. I immediately filed an identity theft report and sent it to original creditors and credit bureaus. Among these creditors there was a company called AXCESS/CNGO. I have contacted this company at least half dozen of time and disputed this account with the credit bureaus and original creditor and as of today i have not got any respond from them and they keep saying this account belongs to me and i requested validation fr5om them and i have not receive nothing from them.
|
| 05/26/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
I received calls from this alleged company on XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. It was left in the message that if I dont respond or comply, then they will take legal action etc ... I also called the comapny back to confirm of the call I was insulted with this statement " its sad that you dont even know about your own debt ''. My reply back to the person " Sir I dont know if you were trained properly but that is not how you properly deal with customers and will be notifying the proper authorities in reagrds to this ''. The person called back in which I didnt answer the phone. When I checked my voicemail it was music playing in the background from a T.V. Show theme.
|
| 03/11/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
Check and Go XXXX XXXX XXXX, XXXX, TX XXXX Employee : XXXX XXXX Called and first thing he asked for was my DOB to verify identity. I asked him why and he did not give details, but insisted for the DOB and then I found out it was for a payday loan he was trying to get approved. I did not apply for a loan. I have a security freeze on my account. The caller said I do not have a security freeze listed on my social, but I know this is incorrect.
I also checked my credit report and see this company pulled my credit without my consent.
This could be a fraud scheme to get my identity in order to get a loan under my name without my consent. It was a very suspicious call.
|
| 11/21/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I original had a payday loan that has been paid off for 2 years. Today I looked at my checking account and they charged my account {$120.00} for a maintenance fee. I have not requested any money from this company and never received documentation that stated they would hit my checking account with some random fee. I have disputed this with their company as well as my bank. I did not authorize this transaction and made my payments on time every month and the balance was paid off 2 years ago. They have taken advantage of me as a prior customer because they still had access to my bank account. The company name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX.
|
| 02/17/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
As of XX/XX/XXXX ; My last payment of {$3500.00} was received by the online loan company XXXX XXXX XXXX XXXX ). But, they are saying that I still have a pay-off amount of {$1500.00}. That's impossible, seeing that my original loan was {$3500.00} when the loan was awarded at the end of XX/XX/XXXX. XXXX has been reporting the balance incorrectly for months. This loan has no amount due, since the XXXX pay-off. They refuse to provide an account payment history/details online or a written statement. Showing how much interest is being charged and what the true account balance is after or before a payment. It seems that their accounting records are being falsified.
|
| 01/19/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
reported complaint XXXX at XXXX XX/XX/2021 after communicating with XXXX XXXX XXXX 4 times today I received another call at XXXX it was a message asking me to call. I called the number back again and I told the gentleman I received a call he said we already talked to you and I replied I know but you called again. The gentleman transferred me to a female she did not provide her name I advised they called again and she said it was their auto dialer to which I replied please remove my number and she said no you will continue to get calls until you resolve the matter. I replied that is illegal I will just file another XXXX and XXXX complaint and ended the call.
|
| 08/13/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I currently have a installment loan were I borrowed {$2900.00} and am being chared total of {$7000.00} and they are deducting every two weeks directly from my account {$290.00} it is becoming heavy and can not afford for this to continue so I have tried reaching out to them and emailed and called them to see if we can break it down to one payment a month for that amount and they refused. I really want to keep my end of the deal and pay them for allowing to borrow the money even though I am paying back more than what I borrowed. But I am almost being forced to stop paying them and file for Bankruptcy I cant afford it. They are not budging either to compromise
|
| 07/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Due to unfortunate circumstances, I was forced to file bankruptcy. The account with check n go, is still showing as a write off/charge off on my credit report with a date of XX/XX/XXXX. However, it was included in bankruptcy. To have this account report as a write off when included in a bankruptcy is essentially a violation of the Bankruptcy Injunction and a violation of the FCRA because it is inaccurate and violates my consumer rights.
I've been trying since XX/XX/XXXX to resolve this with the company and even though they've been sent proof of bankruptcy and proof of the discharge of debtor, they refuse to remove the account or fix the error in reporting.
|
| 09/16/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
Get phone call from XXXX. They say they are seeing for an account. At playday loan company. They say there is a warrant for my arrest for payment due. And sherff will be sent. Then they say I owe XXXX dallors but they will settle for XXXX. When I ask them for paper work they say it too late for that and I need to pay now. They have been calling my family and tell them they are investigating me and that they need to call back and to tell me to call them. I told them If they send me paper work and I owe the money I will pay it back in payments. I an on XXXX and have a limited income. I want them not to call family or friends. They have my number and address.
|
| 09/07/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
On XX/XX/XXXX I taken a small loan out with XXXX via online. I agreed to payback XXXX however I was not able to payback loan and it was sold to 3rd party company. I paid XXXX on XX/XX/XXXX to collection agency who verified my payment. XXXX acknowledged they received payment confirmation however refuses to close my account and still has my account in negative but active status. As of today my account reflects that I owe {$360.00} due date of XX/XX/XXXX and XXXX days past due.
This reflects negative on my credit report and also prevents me from obtaining loan from other businesses. I asked XXXX multiple times to close my account and they refuse to do so.
|
| 02/15/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
CFPB, I have been the victim of Identity Theft, someone opened a payday loan account with Check N Go with my information. I have escalated this to FTD and the DOJ. The requirement of the Bank to respond to credit bureau disputes is outlined by the Revision of the Fair Credit Reporting Act Section 312, effective XX/XX/2010. Under the provisions of FACTA/FCRA, upon receipt of a credit bureau report dispute from a client, the financial institution must immediately place a dispute code on its subscribing credit bureau reports Please also confirm : Ownership of account Outstanding balance reported Disclosures Contract And any other necessary information.
|
| 04/07/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I applied for a payday loan with Check n Go. Prior to the repayment I forwarded several emails requesting a stop withdrawal of payment request due to a family member passing. I even had XXXX my sister contacted Check n Go and requested to speak with a supervisor but yet they still submitted the payment though they were notified that I unexpectedly had to go out of town.They decided several days later to respond. I have the emails to confirm my contacts. I was charged {$35.00} NSF by Check n Go and {$35.00} by my bank. I have a repayment plan and asking Check n Go to take responsibility for the {$70.00} fee and deduct from the amount I currently owe.
|
| 08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX Date : XXXX XXXX Account Number:XXXX Action : certified letter was sent to remove all late payments ( XX/XX/, XX/XX/XXXX ) account is paid, and now closed.
XXXX Date : XXXX XXXX Account number:XXXX Action : certified letter was sent to remove this account I have not supplied proof under the doctrine of estopped by silence, Engelhardt v.Gravens ( mo ) 281SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
XXXX XXXX Date : XXXX XXXX Account number:XXXX This auto loan was paid off through insurance settlement, i sent a certified letter to have account updated in good standing.
|
| 07/20/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I spoke with check n go loan company XX/XX/XXXX. 2022 They keep calling as debt collectors, first they verify my info then say this is a communication from a debt collector & is a attempt to collect a debt all calls are monitored & recorded. I told them as legal debt collectors you have to follow the fcdpa & not to call me on my work phone & I will reach out to them because it effects my work. She said no they will continue to call. as of today They continue to call me on my work phone during my work hours XXXX with most recent call as of yesterday XX/XX/2022 at XXXX With multiple fcdpa violations Im looking to have this loan closed as paid in full
|
| 10/27/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I was contacted my someone who claims they are a legal department and are investigating me for fraud on a 5 year old payday loan debt that the initial lender has sold.
I was accused of check fraud and yelled at for questioning that.
I was accused of purposely taking the money and running! His words to be exact.
He sounded very upset and hung up on me when I tried to speak for myself.
Theyve called my mother and my wife continuously as well.
Ive never received a single document or validation letter of ownership of this debt and nothing shows up on my credit report.
The company identified as XXXX phone number XXXX reference case XXXX XXXXXXXX
|
| 10/13/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I was a front line worker, XXXX, during the start and first year of XXXX. I ended up getting very sick and could not pay my housing. I was forced to apply for a loan through a payday loan service. However ; I was not aware that these loans are predatory lending centers with unfair, deceptive, and abusive loan terms that can trap borrowers in a cycle of unfair debt. After speaking with the representatives, and explaining to them that I could not afford the loan, I was not allowed to give it back the next day when I called. This company is unprofessional, predatory and should be illegal. This needs to be removed immediately from my credit report.
|
| 02/17/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
This payday company has been calling and sending emails to my sister, XXXX, despite of repeated information that my sister had a XXXX.
They threatened to : 1. File information relating to your bad debt with a credit reporting agency, which could result in your inability to conduct business with other short-term lenders, write checks to retailers or merchants, or open checking accounts with banks.
2. Refer or sell your past due account to a third party collection agency. Be advised, the third party who obtains your account, may in turn, undertake further collection efforts against your, including such legal action as may be permitted by law.
|
| 08/15/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
XXXX -- XXXX XXXX says he's the XXXX. He said they're registered with the state of SC, and that he works for Location Services. They threatened to send someone to my house.
They call M-F. I answer the phone. I spoke to them yesterday!!
Today they called and let the phone ring back to them without answering. I called back and asked why they were harassing me when I just spoke with them yesterday.
XXXX said I was rude and I needed to be quiet while he spoke. He then asked me " if the Lord knew '' how rude I was. He said he didn't think " the Lord would approve '' of how I acted.
RELIGIOUS HARASSMENT IS A STEP TOO FAR AND SHOULD BE ILLEGAL.
|
| 10/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
|
| 09/17/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
AXCESS FINANCIAL is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2500.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
|
| 10/26/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Older American, Servicemember |
|
Retired military do not keep dental coverage so I had to resort to a ChecknGo Payday loan to finish my upper dental work and purchase my upper dental plate. The dental cost was {$2500.00}. When I went to pay off the {$2500.00} I borrowed, ChecknGo charged me and additional {$2500.00} in interest even though I had made more than {$1400.00} in payments. When I asked why my payments were n't applied the clerk told me that I had to pay interest first and none of that was applied to the principal. I am a XXXX XXXX living paycheck to paycheck and only used ChecknGo as a last resort because I had no upper teeth. ChecknGo are Paydayloan robbers.
|
| 11/27/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
THIS WILL BE BRIEF HAD RECIEVED AN INSTALLMENT LOAN FROM XXXX XXXX XXXX OFF OF XXXX XXXX XXXX IN XXXX TEXAS. I HAD MADE MY FIRST PAYMENT OF XXXX DOLLARS EVEN. THEE LOAN WAS IN THE AMOUNT OF XXXX DOLLARS. THEE FOLLOWING MONTH I WENT TO MAKE AN PAYMENT AND THEY HAD CHARGED IT TO MY BANK ACCOUNT FOR A CHECK THAT WAS GIVEN TO THEM FOR THEE APPROVAL AMOUNT. COME TO FIND OUT I WAS GIVEN AN OVERDRAFT AND MY ACCOUNT KEPT WITH THESE OVERCHARGES TO MY ACCOUNT AND BANK FEES ALONG WITH THERE EXTRA CHARGES NOT INCLUDING MY PAYMENT THAT WAS MADE. MY NAME IS XXXX XXXX AND NUMBER IS XXXX THANK YOU AND YOUR SPEED OF SERVICE WILL BE GREATLY APPRECIATED.
|
| 05/18/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I applied for the payday loan back in XX/XX/2017 when I was employed full time.The company knew my paydays but continued to take out the payment amont on the wrong days which resulted in late charges and sometimes repayments.In XX/XX/2017 I lost my job and got behind on the payments but I also reported everything to the company which by that time handed it over to collections.I then spoke with a representative and told them I would get them the money as soon as I could.Collections then started to harass me so much every day after that day that I had to change my number.When I called back I was told that the account was changed off.
|
| 11/07/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Electronic communications
- Frequent or repeated messages
|
|
Web |
|
|
Ive never had a check n go account my entire life. Im receiving what Im assuming is scam texts from XXXX ( XXXX ) XXXX Your Check N Go account is with XXXX XXXX XXXX for collections. If we are unable to resolve your account, we must return it to the current creditor, where upon return, it will be further reviewed to see if it meets their criteria for referral to a law firm in your state. Visit XXXX XXXX XXXX XXXX XXXX XXXX to learn more. This communication is from a debt collector.. Reply stop to opt-out. ( Trying to determine if its Scammers or if I had my identity compromised ) Never received a letter or phone call just texts
|
| 06/04/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I fell on hard times due to my mom being sick and I couldn't pay the loan. These people had a debt collecter call me on XX/XX/19 asking if I could pay XXXX of the loan when the loan is only XXXX. I told the debt collector that I could not pay XXXX and whatever solution they offered I couldn't pay today at all. The debt collector told me in a harsh tone that he could tell by the way that I was talking that I wouldn't pay at all and that I waived my rights and he hung up without even letting me speak. He also asked about my cousin and I asked him what did he want know about her for, because she has nothing to do with any of this.
|
| 07/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I had been trying to contact the company about the debt when i lost work due to COVID-19. They said they would call me back. I called several times but no response. By the time someone did contact me they had put 60 days late on my credit. I spoke with XXXX XXXX and he said he was trying to help me and that I could make a payment arrangement. I made the arrangement for {$100.00} per month on XX/XX/2020. As soon as I made the arrangement, they put it as a charge-off on my credit. That was very deceitful and unethical. This is very bad on the company especially during a time like this. I had never been late until this disaster.
|
| 04/28/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX : XXXX XXXX XXXX called today said I owed Check N Go Quick Loan for {$1500.00} and sent letters to my home, which I do not believe ever received. Stated if I did not pay today the offered settlement of {$600.00} - this would go to collections. I paid with my only funds on a credit card, as my daughter is going to college this XXXX and did not want any credit issues. I feel I did not take this type loan and was unemployed for a few months in XXXX. No action against my credit yet was explained. I have confirmation paid email and credit card authorization form was texted and emailed to me. I believe I was scammed today.
|
| 04/28/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
On XXXX someone stole my identify and took out a loan from check and go for {$750.00} in my name. I received a call from a debt collector on XXXX informing me that I failed to pay my loan. Reference number XXXX Thats how I found out about the theft. I reported the fraud to the police department and officer XXXX came to my home and took the report. I sent a letter dated XXXX to XXXX XXXX XXXX requesting all documentation to see who took the loan out. They sent me a letter dated XXXX stating the ID Theft had occurred in this situation. I was informed they could not provide me with any information I would need a court order.
|
| 02/15/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
Servicemember |
|
I received a call from a company called XXXX saying they were trying to collect on an old debt for XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I explained to them that I had filed a Chapter XXXX back in XX/XX/XXXX and if they could provide me a copy of the debt they are trying to claim for {$1600.00}. They advised me that I was facing fraud on writing a bad check and deception of a financial bank. When I again pushed to have something sent to me in writing the caller hung up. When I tried calling back they refused to take my call. I will state that this caller did have personal information about me where I lived and my SS #.
|
| 08/02/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I received an online cash advance and was told that it was going to be a long-term loan with small payments however that is not the way that it was set up and when I extended my payments they started harassing me numerous times a day with calls after I asked them to not call me until I could afford to pay it back due to XXXX XXXX situation that I've been in I had to change jobs .I 've explained all this to them and they still continuously call me and harass me. This morning they called and I said stop calling my phone and then commenced to call me back three more times always from different numbers as if to trick me.
|
| 06/18/2016 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
I sent a certified letter to Check N Go to stop the ACH payments from my account with XXXX ( located XXXX XXXX XXXX XXXX, XXXX, OH XXXX ) I took the letter into XXXX to show them and they still charged me a {$33.00} for a stop check fee. I received the certified mail receipt back from Check N Go acknowledging receipt of the certified letter. Yet, Check N Go proceeded with the ACH authorization requesting payment of {$1400.00} and XXXX XXXX let the charge go thru. This left a negative balance on my account and left me with absolutely no money for a week ... no food, no meds, no gas. Nothing for both me and my husband!
|
| 11/17/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I opened a line of credit of {$250.00} and withthen 30 days I paid it off. I receive a letter saying that they had change the regulation and that even if I don't have a balance I still need to pay {$60.00} every month to keep my account open.I signed the letter and sent it backk to close the line of credit. But I got a bill for the amount Mainance fee of {$60.00} anyways. They said never got the letter and are forcing me to pay {$120.00} plus late fee in order to close the line of credit and they will continue to change me the {$60.00} every month until I pay off the loand. They also said will send me to collection.
|
| 05/01/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I was contacted by phone from a company called XXXX, XXXX XXXX XXXX they informed of trying to attempt to mitigate with me for a payday loan from back in XXXX. I was then told that i had signed a Tolling agreement when I requested this payday loan. The payday lender being Check And Go. I dont even know what a Tolling agreement.
At this point I told them my only source of income is social security XXXX XXXX is federally protected from collections. They insisted they were just mitigating and the loan company would have rights to seize my property and income if I refused.
I have never seen anything in writing.
|
| 07/27/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
XXXX XXXX XXXX at XXXX - XXXX Services XXXX demanding payment through a debit card visa or mastercard only. When I attempted to give them my XXXX XXXX XXXX XXXX XXXX the refused to take it, and then only gave me XXXX hours to call back with a new card number in which to collect the debt. I attempted to send them a money order through the mail to pay the debt and they refused to accept this payment arrangement as well. XXXX then go belligerent with me if I did not call back in XXXX hours with the card information. She also has left me threatening messages of contacting my employer with a wage verification as well.
|
| 11/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX is reporting a debt on my credit file that is not mine. I recently pulled my credit and noticed this debt reporting on my file. They are trying to collect for a debt with Check N Go. I have never had an account with Check N Go and I have told them that. This account is fraudulent and belongs to someone else. This account is on my credit and needs to be removed THE DEBT IS NOT MINE! This is really affecting my credit and I shouldn't have to deal with taking care of someone else 's account. This debt needs to be removed from my credit file and I suggest you find the correct person this belongs to.
|
| 08/11/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
for weeks, people claiming to work for XXXX XXXX have been calling me, my wife, my family, and my place of employment threatening to serve me papers at work and at home. I have repeatedly asked them to stop calling everyone and they are very unprofessional and rude. They have made my wife cry several times due to the harassment. They call from many different numbers and are not friendly. they also threaten to garnish my wages, sue me, and threaten that jail time will be considered. I have asked them to send me a post-dated bill to let me know that they are a real company collecting a real debt. they refuse.
|
| 08/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
|
| 06/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
|
| 05/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
|
| 12/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I sent all three credit bureaus a certified letter to have this hard inquiry investigated and removed from.my credit reports. This hard inquiry from XXXX XXXX XX/XX/18 has contributed to my hardship, stress as well as I've been denied credit and home loans because my credit score has dropped drastically due to this hard inquiry being on my reports. The three credit bureaus have violated the FCRA laws that protect consumers. They are suppose to report only accurate information and respond to dispute from consumers in a timely manner. They never responded to my requests. And it has been well over 90 days.
|
| 01/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
|
| 06/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
|
| 04/04/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
Servicemember |
|
Go payday advance for {$580.00},. In XXXX, Texas. They close down when I was still paying in person. The next time it reopen I was told since I didn't pay it when to a collection agency. And I had to pay for their fees. I was never given a written notice or a call where to pay. I'm also getting threatened that I got a warranty for my arrest for check fraud XXXX,. When I call the guy would not give me his Street Address, state license, he just accused me of call him and he left messages with my parents in Arizona tell them to call them and leaving the phone number : XXXX. And ask for Case number XXXX.
|
| 08/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
Since XX/XX/XXXX they been pulling from my account after I told them to stop auto payments. And I talk to at least 12 different people and they will say oh we stopped the payments or we escalated your case and we stopped the payments. They even sent me an email saying they stop all ach. Im working with debt relief program and they sent a power of attorney to take over the payments. And I will tell them that to constantly and they will say that they wont pull from my account. But the constantly charged me NsF and now they pulled XXXX from my account. That was my rent money. Im so upset right now.
|
| 12/29/2017 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
I applied for a payday loan with XXXX on XXXX/XXXX/XXXX. I received an email stating the loan was finalized. I never received the funds so I called the company. They said the loan was denied and I would receive an email detailing the reason for the denial. I did receive the email and the reason for the denial was that I had another outstanding loan. I then called XXXX XXXX and was told that I have an outstanding loan with XXXX, even though the loan was never approved. No one at XXXX seems to be able to resolve this issue and no one has been able to assist me with having this information removed.
|
| 05/24/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Hello, I applied for a installment loan with Ch eck n Go ar ound and I have ma de 16 pay ments in the amount of {$120.00}. I have had previous loans with this company and they usually take their money at the beginning and interest.to interest. I went into the XXXX different locations to determine why the payments are not being applied to principle. XXXX at the XXXX XXXX XXXX location says its in error and that I needed to have corporate correct the issue. I have called several times to corporate and unable to get a live person. I need help otherwise I will never pay this loan off.
|
| 07/30/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I took our a check n go loan for XXXX almost 8 years ago and forgot to repay .it has fell off my credit report but now a company calling them self XXXX XXXX is threatening to sue and arrest me if I don't pay the amount of XXXX but said I can pay XXXX to clear the debt and when I started acting for more details and to get of list of how it went from XXXX to XXXX they got very rude and threatening to sue me and garnish my wages and possibly jail time. I am on a fixed income and XXXX so I don't have time or money to be scam out of and threaten for money I dont have. All my money goes to bills
|
| 05/24/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.I have made a report with the FTC identify theft. Enclosed is a copy of the report.
XXXX XXXX XXXX Amount of {$3500.00} -- Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
I appreciate your prompt attention to this matter, and await your reply.
|
| 05/18/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
|
|
I cashed a check years ago with XXXX XXXXh ( NEVER CHECK N Go ) and the check was returned in which I paid the check back to the speedy cash location on XXXX XXXX because Check N Go would NOT cash the check that my work XXXX sent to me to travel right away and this was over 4 years ago. The company I worked for voided the check and issued a deposit instead which had me returning the funds. I am now receiving some type of fraudulent XXXX XXXX XXXX XXXX XXXX Check N Go XXXX XXXX, XXXX : # XXXX account number reference # XXXX XXXX Client XXXX I do not have a relationship with this company
|
| 08/18/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I keep receiving calls from this XXXX in an attempt to collect a debt which they state they have acquired from Check N Go. This credit collection company states that there is a pending legal matter being filed. I simply ask them to verify the validity of the debt, by sending me information on when they acquired the debt, what was the amount of the debt, and accompanied dates. And they state that they can't provide the information, and that I will only get that information when we go to court. They continue to call my cell phone, and other family member cell phones multiple times a day.
|
| 07/17/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
this is the 3rd time you've tried to collect something that is over 7 years old and you're falsifying the information you're putting on my credit report. This was disputed and removed before and no notification was received of this debt. I'm tired of going thru this and won't the item permanently deleted or I will file a lawsuit ALSO no notification of this debt being placed back on my report and per the law, you are required to notify me .. Then you report it as a fresh debt opened on XX/XX/2020 and THAT IS FALSE. THE DEBT IS NO LONGER VALID PER STATUE OF LIMITATION PLEASE DELETE
|
| 01/06/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I sent a cease and desist to all phone numbers in writing to Check N Go. It was received XXXX/XXXX/16. Today, I received XXXX calls to my work number ( but none to my cell ). I called and I was informed that the cease and desist went to their customer service but they were the collection dept ( still with check n go ) and they do n't have it. I informed them they are the same company so my cease and desist would apply to ever dept. She continued to try collection efforts and then stated she would transfer me to a supervisor. I could n't continue to hold and I terminated the call.
|
| 06/05/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I owed on a {$100.00} Dollar Loan that was raised to $ 132+ amount. They sold the debt to another collection agency and I paid {$180.00}. Almost twice the amount of the original loan. XXXX XXXX XXXX still shows an outstanding balance amount with361 days and counting that the loan has not been paid. The load was sold and not reflecting the correct amount which is effecting my credit rating with this false reporting and intentional inaccuracy. What am I suppose to do, pay the debt twice in order to have the debt clear? I wouldn't put it past them. That would be highway robbery.
|
| 08/23/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I received an email approximately 3 weeks ago stating that a loan for {$3400.00} was taken out in my name at Check n Go. I never applied for this. I called the company. There are XXXX sections within the company : the website and physical stores. The website had no record of my information. They claimed they were unable to look up my information within the store portion. There are no Check n Go stores in New York State where I reside. I filed a report with XXXX as they said to do. No one has followed up with me. I am now receiving emails that I owe {$470.00} on Friday.
|
| 10/24/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
According to the statue of limitation, in Arizona, the collection agency listed below posted an invalid account on my credit report of {$1000.00} on XX/XX/XXXX regarding a loan with Allied Cash Advance based in XXXX Arizona. I haven't lived in Arizona since XXXX, which clearly discredits the account that was wrongfully posted on my credit report, and in violation of the unfair debt collection practice which has a limit of six years.
The reporting collections Agency is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Contact ( XXXX ) XXXX
|
| 07/29/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I applied and received a loan from Check n Go. During my time with them I received XXXX late payments, which were wrongfully pointed to me. When I contact them about it they said that if I paid my account in full those late payments will drop. I pay around {$2700.00} to have those late payments removed and they have not. I contacted them and they are saying those late payments do belong to me, which even if they do, they said they would clear it if I was to pay the entire amount in full. I would please like these two late payments to be removed from my credit history.
|
| 07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
|
| 06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
|
| 04/09/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
Older American |
|
Debt collector calling me several times a day from several different numbers after I've blocked them. They've called my daughter which I have no idea how they got her number. This is XXXX XXXX XXXX. The call comes across as " SCAM LIKELY. " : The caller states her name is XXXX XXXX. I've advised that my debt to XXXX XXXX XXXX was paid back in XX/XX/2017 and I have a pay off letter. She has threatened felonys and garnishment telling me they have my wage information.
She is calling from.XXXX/XXXX/XXXX.
States correspondence has been sent via mail which is not true.
|
| 11/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XXXX. XXXX, XXXX, AXCESS FINANCIAL add a hard inquiry on my credit report per XXXX.
On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiriy on my credit report per XXXX. The report does not include information about the creditor.
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 02/06/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
I received a " Notice of Bank Levy '' in the mail today from XXXX XXXX XXXX, XXXX claiming they are the trustee on a levy against my accounts.
I contacted the number on the letter and the person who answered couldn't or wouldn't provide my any information about this " levy. '' He kept asking if I tried to resolve the debt.
I asked what should be simple questions like which court they filed this action in and he refused to answer.
He asked for a contact number for their " legal department '' to get back to me.
I never had a loan or account with XXXX XXXX XXXX
|
| 06/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The reasoning for this letter is to dispute account " XXXX '' from the creditor " Check'n'Go '' on all three bureaus, XXXX, XXXX, XXXX and cease and desist from their program entirely. I've attempted to remove the collection with the company and they were unable to provide the validation of debt with my signature.
In addition, the full account number does not report on my credit profile. This violates several codes under the FAIR DEBT COLLECTION ACT. This collection is inaccurate and is negatively impacting my credit profile, it needs to be removed immediately.
|
| 07/16/2018 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I used their service in XX/XX/XXXX or XX/XX/XXXX and ultimately had medical issues that forced me to fil for Bankruptcy in XX/XX/XXXX.
Today, after more than a year, I received a call from XXXX XXXX at XXXX ( she claims is a collection company working for XXXX. Her phone number XXXX ext XXXX. She has called my home, my cell and my work today to threaten to send an officer with paperwork tomorrow morning.
I reminded her that I had filed for bankruptcy and she said they would file another type of charge against me if I didn't agree to pay a settlement amount.
|
| 09/22/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I was contacted on XX/XX/15 by a private investigator to call a number. They said they have been following me. They gave me an account number. I called the number, someone named XXXX answered. He said that Check-n-go was going to take me to court for check fraud. He said that I owed {$3200.00}. They gave me settlement amounts. I asked for company name, and credential info. They did not give me that information. I was pressured into giving them my debit card info. I set up a payment plan and gave it to them - they said they will start drawing it on the XXXX.
|
| 11/10/2017 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX 's client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for several credit cards. The applications were stopped however the activity generated fraudulent inquiries on his credit reports. The creditors have been notified several times of this however the inquiries remain on the credit report. This is a violation of the FCRA and our clients federal consumer rights. A current credit report shows XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX are still listed as inquiries after several formal disputes were provided.
|
| 06/27/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
I applied for a payday loan and the loan was denied. I am not sure what kind of loan it was because I never received any documentation explaining what I was applying for. The person told me that they needed to keep a copy of my voided check even though the loan was denied. I am really concerned that they would keep my account and routing information. I was told that this was due to a federal regulation. Is this true? Ive had friends who have had their identities stolen this way as well as have had people take money from their bank accounts. Please advise.
|
| 07/10/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
1.The debt collector didnt speak to the consumer in person or by phone before furnishing XXXX, XXXX and XXXX credit agencies with negative information on my credit reports. Please provide any and all phone records personal notes of in person communication between debt collector and consumer for record.
2. Debt collector failed to provide a letter or message to the consumer about the debt in violation of his right to respond in a reasonable period of time to receive a notice of delinquency. Please provide any and all written communication for record.
|
| 01/11/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
I was asked for copies of bank statements and income statement the copied them and told me to get another statement from the bank and I need my payee with me im on social security I earn {$880.00} XXXX monthly credit not under XXXX I want to move. I stayed at my residence for 45 years. I need help. a denial cause of a payee its unfair discrimination my mother cant walk in the office I asked if she could speak to her on the phone she denied trying that.. I never even filled an application out, ,no paper work. I was there on Friday at XXXX the XX/XX/2019
|
| 07/26/2016 |
Yes |
|
- Payment to acct not credited
|
|
Web |
Older American, Servicemember |
|
Received a call today as a message.
You or your attorney call XXXX XXXX XXXX XXXX Figured out who called by looking up the number with the XXXX.
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX,, XXXX, XXXX, NY XXXX Called and asked XXXX XXXX XXXX as message stated.
Basically I was told that they wanted {$2100.00} today. I said I could not pay that and that I would look into monthly payments if they sent me the original agreement.
Told XXXX XXXX I would call him back on Wednesday, XXXX XXXX, 2016.
I would like the CFCB to be the go between.
|
| 04/11/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
i have a loan from a payday co. i had requested my bank to stop ach payment each mo as i have that debt added to my debt releif program. my bank told me that to stop the deduction from my bank acct i pay a fee so that was done then i also cancelled my atm card as the co had my card number as well. they still debited my acct by submiting a check they generated. my acct is now closed. im a vet my primary income deposited into my acct was from va benifits. i also emailed this co and told them i did not authorize any more deductions but it still was done.
|
| 08/25/2015 |
Yes |
|
|
|
Web |
Servicemember |
|
I received an email from XXXX XXXX XXXX demanding payment for a loan and threatening legal action. Also my social security number, informing my employer, and I have to contact them immediately or else! I received the email at XX/XX/XXXX ... .in addition I have never had ANY association with this company or payday loans. This is after they have already been cited for these practices and been ordered to pay millions because of this in XX/XX/XXXX! This is XX/XX/XXXX. I refuse to contact the company because I wo n't give them ANY personal information.
|
| 03/13/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Payday loan from XX/XX/2016 ... My mother and fiance received repeated calls the past few days with a company threatened legal actions against me So I called the company and talked to a lady she acted like she didn't want to give the company name and I said why when I received this call a year ago and they said they were filing a civil case I never was sued and she said because I said I wasn't gon na pay so if I said I wasn't gon na pay wouldn't that be a reason to file the civil case? So I told them they better not and harass my mom anymore ever
|
| 05/12/2016 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
Got a voicemail from a company who said on my voicemail this was my noticed that I am being processed and paper are being sent to the county I live in. The call was to verify my address. The call back number is XXXX. I called back and XXXX XXXX said I owned a payday loan from XX/XX/2009 with Check N Go. She told me they are processing paper work for defrauding a financial institution. She said the loan was for XXXX and the balance is now XXXX. I told her this questionable loan is 7 years old. She told me she has 10 years to sue me for fraud.
|
| 01/17/2017 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
The collection rep assigned to my account threatened to send faxed documents to my employers and ensure I pay them. Keep in mind I attempted to notify the rep she was threatening me on a recorded phone line. I have email receipts showing twice were an incorrect zip code is still being entered on their part and XXXX continues to contact a phone number that they have NO AUTHORIZATION to call!!!! I have an email confirming the incorrect zip code was entered again! I also have an email confirmation from my employer reflecting the same issue!
|
| 08/18/2016 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
Servicemember |
|
I work for a company in XXXX IA, When I filed for my payday loan I did not give my current place of business number. My boss and another co worker have been called and the business calling them left messages on their voice mail. The messages left do not state that they want to talk to the people they are calling but to me. My number is also in the company directory and they could call me directly. Further more, I have spoken with them and told them I would call them when I get the chance and they continue to call my place of business.
|
| 03/16/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I was contacted twice from a dept collector with the number XXXX ( XXXX ) XXXX who claimed they were from a debt I had at checkngo in XXXX the first call in which the woman was very nasty and told me if I did not pay this debt a warrant will be served at my address and I would be arrested. Again she called XX/XX/XXXX and told me they have a lien on my vehicle and will be having a warrant served. I have not received any calls from them until XXXX. When I called back this person tried to deny the threats they made on the former calls.
|
| 10/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Hello, This company placed hard inquiries on my XXXX credit report without my consent. I applied for a pay day loan which is not a credit application, and does not require such a credit inquiry. I have attempted contacting the company ( Check n Go/ Axcess Financial ) to request they remove these hard inquiries as I did not authorize them and they are not cooperating. Below are the 3 inquires I am disputing, thank you.
Axcess Finan Inquiry from XX/XX/2018 Axcess Finan Inquiry from XX/XX/2018 Axcess Finan Inquiry from XX/XX/2018 2018
|
| 03/16/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I was contacted twice from a dept collector with the number XXXX ( XXXX ) XXXX who claimed they were from a debt I had at XXXX in XXXX the first call in which the woman was very XXXX and told me if I did not pay this debt a warrant will be served at my address and I would be arrested. Again she called XX/XX/XXXX and told me they have a lien on my vehicle and will be having a warrant served. I have not received any calls from them until XXXX. When I called back this person tried to deny the threats they made on the former calls.
|
| 09/15/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
The company is XXXX XXXX working for " Check N Go ''. They have called me every day for a month repeatedly claiming to be a process server. They threaten to come to my home NOW. They ask for money. I asked for details in writing and they refused. I explained it is not on my credit report and they said " it wouldn't be ''. They are harrasing gme constantly with abusive language. Today XX/XX/15 they called 5 times in a row at XXXX claiming they were on their way to my home and to have my ID ready or they will pound down the door.
|
| 09/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I sent a dispute on XXXX XXXX about a debt that was paid in full on XX/XX/2022. It was a debt for a check loan place called Check n Go and the amount was for {$310.00}. I paid it in full. It still is showing up on my credit report. I put in a dispute and they still have not made the adjustment to my credit score. Says it's been reviewed, but they are not making a change to it. I have the proof that it has been paid off, but I'm not getting any help with getting it off my credit or to at least show that it's been paid in full.
|
| 12/09/2015 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
This business has been told numerous times to call and leave a message and I will call back as soon as possible and has been told numbers times to not call my place of work and has done so anyways and has caused me to be written up and I have now been threatened with losing my job because of their continued calls. They have also called family members pretending to be someone who has an emergency and is in need of getting in contact with me right away and sending them into a panic thinking there is a real emergency happening.
|
| 01/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Around XX/XX/2015 I opened this account. I made payments on time for a long time every two weeks. I had to get a divorce due to a XXXX marriage. I called them to work out new arrangements said they work with me and I was in no danger of getting reported to the credit bureau. They never reported all the payments I made on time. However without notifying me they reported me negative with XXXX. The fair credit reporting act states a creditor is suppose to notify you when it supplies negative info to a Credit reporting agency.
|
| 10/25/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
was notified of a collection added to my XXXX report from a company called XXXX XXXX XXXX today XX/XX/XXXX for a check n go account. This is from XXXX and was filed and discharged under a chapter XXXX bankruptcy filed in XX/XX/XXXX discharged in XXXX I tried to dispute on XXXX and it will not accept my dispute This is illegal and in violation of the bankruptcy discharge. it is also in violation of the 7 year reporting period I demand it be removed or I will request sanctions thru the bankruptcy court for these violations
|
| 02/04/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I contacted Check n Go in regards of a Financial hardship and family emergency and I told them l could not pay payday loan for XXXX.
Also, l wasn't aware of the high interest rate over 40 % and {$300.00} charge on a borrow {$200.00} dollars.
Check n Go debited my XXXX XXXX XXXX account ending # XXXX and my account is overdrawn around $ XXXX.and bank charged {$35.00} fees.
I am respectfully XXXX XXXX and XXXX and on fixed XXXX income.
Address of Check N Go XXXX XXXX XXXX XXXX California XXXX XXXX www.checkngo.com
|
| 07/16/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I paid this company {$290.00} for a {$200.00} loan already back in XXXX of 2013, i transferred my job to a different Location in Virginia and lived in XXXX Virginia areas. They kept calling me and i told them stop it and paid them with my tax refund that year in 2013 and they're just harrassment in my emails and all. I lost my job due to covid19 and I refuse to pay them again. I don't have documents because I moved to many times. It has now negatively affected my credit reports and scores. I just want them to stop it!
|
| 02/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I obtained a payday loan from XXXX XXXX XXXX in XXXX AL. I settled the payment XX/XX/XXXX for {$250.00} with the third party brought in by XXXX XXXX XXXX called XXXX XXXX XXXX. XXXX XXXX XXXXXXXX began contacting me through, XXXX XXXX XXXX, again in XX/XX/XXXX. The company constantly called harassing me over the debt that I advised was settled. XX/XX/XXXX. XXXX XXXX XXXX put this item on my credit report as collection. I would like action against XXXX XXXX XXXX for unfair practices and the item removed immediately.
|
| 12/17/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I have an XXXX XXXX son who has been through 4 XXXX XXXX to where being a single mom i needed to take out alot of payday loans. Which i regret. Check n go is one that im having a problem with at the moment. They called my dad and step mom who i do not speak to giving personal info out and threatening fraud charges. Have not even attempted to contact me. I plan on paying all the loans back but im just starting to try and work and get myself and son in a good position. They should not be giving out my personal info.
|
| 01/26/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have an outstanding debt with XXXX. I have been making payment arrangements and making payments every pay day, missing one payment at XXXX. It is no longer being attempted for collections in the store but rather from somewhere else. This company calls me 3 times a day, every day, even after I have talked to them and they have verified that I have a promise to pay for the last payment, due on XXXX XXXX. I have told them that they are harassing me and they need to stop calling repeatedly, and they continue to call.
|
| 12/09/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I received a loan for XXXX and I made two payments then went through a pay decrease due to weather and unable to work ... I started getting calls stating it was the courts trying to collect a debt and I was gon na be charged with fraud if I refuse to make a payment repeatedly I called check and go and was then was I can make any payment to try to clear up debt but I fell ill and lost my job and Im unable to make payment now theyre just calling and hanging up and now with interest they're saying I owe XXXX dollars
|
| 10/30/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Check & Go repeatedly calls me and leaves messages, I am NOT a customer of theres, but they leave messages regarding " my upcoming appointments ''. I have called them multiple times, they want date of birth and SSN, repeat, I am NOT a customer! I have called to be removed only to be given other # s to call or websites which both options ask for personal private info. They leave so many messages it fills up my voicemail box. Most recent call was XX/XX/19 @ XXXX XXXX mst. I called only to get the run around again.
|
| 01/11/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a call from a company called mediation services saying I owed a debt from check n go from prior to XXXX. They refused to give me a date. They said they were sending the sheriff to my house to sue me. I did file a bankruptcy in XXXX, and I listed all my creditors but there was not one for a check n go, but three other payday lenders were listed. They had my current address as well an address from XXXX. They said they had a copy of my ID. When I asked them to send me proof of the debt, they refused.
|
| 02/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I opened an XXXX dispute for my XXXXCNG account balance not being reported correctly. The creditor was not honest during the dispute investigation and has refused to update my account balance with XXXX for over 75 days. The creditor has been reporting the wrong account balance for several months since the loan was awarded in late XX/XX/XXXX. According to my online account information, I have a XXXX balance. Because, of the last payment received by the creditor in late XX/XX/XXXX in the amount of {$3500.00}.
|
| 05/09/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
XXXX XXXX some guy XXXX call ask for me he said the company is going file in court so I said what are talk about h e u no take about i go no So he told me I took a pay day loan in XXXX I told him I have n't been work since XXXX XXXX I never apply for a loan he I was pay it back he did n't no what happen never had pay day loan so he told I to pay XXXX XXXX XXXX XXXX pay second payment is XXXX plus XXXX he said he email document singing them if did n't they going send to jail.
|
| 07/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Victim of Identity theft and I have credit inquiries on my consumer report I don't recognize or did not authorize. Please see inquiries below : XXXX XXXX ( BANK ) - XX/XX/XXXX, XXXX XXXX ( BANK ) - XX/XX/XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX ( AUTO ) XXXX, XXXX ( FINANCE ) - XX/XX/XXXX, XXXX XXXX XXXX ( MISCELLANEOUS ) - XX/XX/XXXX XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,
|
| 02/07/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
On XX/XX/19 I received a phone voicemail stating that they were locating me and it was their final attemp or they were going to serve me with papers. I called the numb er back and they had record of my bankruptcy about when it was filed and discharged but told me that they were not included. I advised them that they were and offered to send over info they told me i can bring it to court. If they were not included then how would they know the info to my bankruptcy. They continued to call 5times afterwrds.
|
| 03/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Older American |
|
It's fraud the inaccurate 's on my credit report which are the hard and soft inquires the which are due to my XXXX XXXX adult son had applied for loans and credit cards using my social security number associated with my XXXX XXXX XXXX credit scores and credit reports my XXXX XXXX adult son and the XXXX XXXX hurts his reasoning and he doesn't know that my social security number and credit scores are my own that s why I haven't pursued criminal charges or law enforcement presents in the fraud situation
|
| 12/14/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
As of XX/XX/2018 received a call from XXXX from XXXX XXXX XXXX to my cousin phone number. My cousin advised she contacted this number and told the creditor this was not the contact number. As of XX/XX/2018 my cousin received another threaten voicemail from creditor without providing any mini miranda. In addition advised deception of a financial institution in which this was disclosed to a third party without authorization and even receiving this information that they keep calling the incorrect person.
|
| 08/19/2015 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
They are calling my parents leaving messages that they will put a warrant out for my arrest and leaving voicemails on my phone that they will be sending someone to my house. I 've never received any papers from these people. They call from different number to my parents phone. One is XXXX and he left the name XXXX XXXX and the other is XXXX XXXX and her number is XXXX. XXXX XXXX asked me how do I pay my bills without a job and I said through the grace XXXX and she started insulting me and my religion.
|
| 02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
15 U.S. Code 1692b- Acquisition of location information, Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. This is a violation of the consumer laws and my rights as a consumer. This act was made by the following companies, AXCSSFN/CNGO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 08/24/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX I received an alert that I had a new collection on my credit report. I saw a company name that I was unfamiliar with, XXXX XXXX XXXX and an original company as XXXX check n go. I have never done business with this company. This just suddenly appeared on my credit report, and I never received a call or letter from this company in reference to this alleged debt they say I owe. I filed disputes online with the credit bureaus but, this company just updated the balance by XXXX dollar.
|
| 10/31/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Continue to receive calls from XXXX XXXX Holdings excessively and on a business phone number which I can not receive any personal calls. The representative claims that I owe a payday loan debt and when I ask for more information they dont not provide any. The representative uses abusive language and yells over the phone demanding payment and accusing me. I do not recall ever taking a loan from Check and Go and contacted Check and Go and they do not have any records with my name or information.
|
| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have been a victim of identity theft and accounts were opened fraudulently by utilizing my personal data. Im highly upset with the level of inaccurate thats being display on my good credit. All I do is work and care of my home, so there was never a need to add any of these consumer accounts to my consumer report. I wish to have this matter resolved and removed immediately. Ive filed a criminal case with the police department regarding this matter. Documents are attached to this complaint.
|
| 04/01/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Older American, Servicemember |
|
XXXX XXXX XXXX XXXX were calling me last year about this debt which I was sick last year with XXXX XXXX and never made a payday loan with check n go, so they were calling me everyday stating that they were going to go to my place of employment and serve me court papers if I do n't call them, and also calling my husband threating him because they never could talk to me, due to me having XXXX, so RS, put this on my credit report, and I have disputed this with XXXX, but it is stil on my report
|
| 01/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had an account with Check N ' Go in XXXX. I fell into financial trouble and hired a company to settle my debts. In XX/XX/XXXX, my debt was settled for {$100.00}. I have a copy of the settlement and check. In XXXX Check n Go sold my account to a third-party collection agency. It has since been sold to two other agencies. It is now showing up as delinquent payment on my credit report. I tried to dispute the collection and it comes back as valid. I do not know how to get this taken care of.
|
| 10/05/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American, Servicemember |
|
About two weeks before the end of XXXX of this year I went to Allied Cash Advance for a loan of {$250.00}. I did the necessary paperwork and received the {$250.00} On XX/XX/XXXX I went to payoff this loan and was charged a total of {$430.00} for this XXXX loan. I believe this was excessive for a loan of less than two weeks in length. Later that evening of XX/XX/XXXX I went on line to make an inquiry with Allied Cash Advance about this high processing fee. To date I never received a reply.
|
| 12/07/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
XXXX, XXXX, XXXX, XXXX - 5 Telephone calls per day to my personal cell phone from this number XXXX.
I do NOT owe any outstanding debt to ANY cash advance institutions or bank.
Caller claims to be work for XXXX XXXX. Threatening to have the police at my home if I do not make a full payment by the end of the day.
XXXX - 3 Telephone calls per day to my immediate family members asking for personal information - Mother XXXX and XXXX - Threatened me with jail time if payment is not made.
|
| 03/30/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
Company has taken out multiple installments on one pay period, causing my account to overdraft. Company did this without any input or communication with me. I tried calling the location where I took the loan out, Check n GO in XXXX, CA, but that location is out of business. I called the customer service number on line for the compnay, they told me they only serviced loans taken out online. I lodged a complaint to them via an online customer service portal, and they have yet to contact me.
|
| 05/17/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I have been called repeatedly about a payday loan that has not been validated. The collectors have called my phone, my relatives, and a place I do not work at. I told them to validate the debt which they could not or file their case. The calls are still happening. They called today stating a case was being filed against for fraud. The only information I was given was the company name is check n go or check into go or something like that. The phone numbers involved are XXXX and XXXX.
|
| 09/08/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
I have been harassed for months by companies claiming to work for Check N Go loan services and a company called XXXX XXXX XXXX that says Check n Go sold my account to them. I have gotten calls threatening to sue and seize my property. They have threatened to take me to court and claimed they were just trying to mediate and help me. I receive these calls literally every day and I have records to prove this. I will be suing to the full extent of the law if this contact does not stop.
|
| 07/09/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I took out a payday loan in the amount of {$800.00} during the pandemic last year & fell behind on the payments. I let Check N Go know that I had just lost my income & needed to setup a payment extension on the amount, but they told me they needed full payment. I explained that due to COVID that I was waiting to get unemployment & they wouldnt halt collections efforts on the account. They sold the debt & the Third Party is wanting {$1700.00} to remove the debt from my credit report
|
| 11/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/XXXX, AXCESS FINANCIAL add a hard inquiry on my credit report per XXXX.
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 05/22/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
This company has been calling repeatedly daily ( 4x today and I have spoken with them 4 times ) and called my husband, my mother and my father today and left voicemails with each of them. They are threatening that they are filing a case against me and going to send the sherriff to my job and home. XXXX told me I would not be able to purchase a home or car in the future due to this. I know this is not true and know it is harassment. The phone number they are calling from is XXXX
|
| 01/05/2017 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid the loan off in full on XX/XX/2016. In XXXX I received a letter saying I owed still. The company started calling 5 + times a day. I sent in my receipts 3 times, I spoke to a supervisor who said they received the receipt and would have it taken care of and it may take 24 hours for them to stop calling. XX/XX/XXXX they took XXXX from my bank account which also caused a {$39.00} overdraft fee. I called the company they refuse to accept my receipt and stop electronics debits
|
| 03/22/2017 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
They left me a voicemail threatening to charge me with check fraud and serve summons at home and place of employement if I did n't contact them and pay immediately. I was going through a tough time and never attempting to defraud them in anyway. The collection company was XXXX in XXXX PA. Their phone number is XXXX. I have the voicemail saved on my phone as evidence. They also called members of my family telling them they would be at fault if I did n't receive my " summons ''.
|
| 03/15/2017 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
These people are calling each and every one of my telephone lines constantly, several times a day, every day. I need this to stop. They are sharing my information with others and have contacted me on numerous occasions at my place of employment. They are harassing me and my children and making threats, going to my home and banging on the door at all hours. They 've made numerous withdrawals from my account and are saying that I still owe money. I need them to stop immediately.
|
| 10/08/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
On XXXX I applied for a payday loan. I was approved for {$250.00}. I signed the loan agreement and inputted my bank account information for deposit. I called XXXX and was advised that I have to reapply but was given no adverse action notification. I reapply and now its giving me a denial. My issue is that this company has all my personal information and also used bait and switch to get that information. No one has sent any written notification of anything besides my approval.
|
| 02/01/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX has a debt on my Credit Report that is beyond the Statute of Limitations for CA. They can only have a debt marked as collection for four years. They have attempted to keep the debt in collections by changing the name to XXXX XXXX XXXX.
This needs to be removed from my report as Collection. I have stated repeatedly that I do not owe this debt and XXXX XXXX XXXX has never been able to substantiate it. They are now attempting to mask it under XXXX XXXX XXXX.
|
| 09/29/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 ) This is an unauthorized account popping up on my credit report. This account was opened without my consent or knowledge I would like to have it removed immediately. This has caused a stagnation for my financial goals.
|
| 08/31/2016 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
Check n ' Go is responsible for making my bank accounts with XXXX in XXXX, California, to become overdrawn and accumulate fees. This was after they chose to ignore not only a Notice to Cease and Desist, but other forms sent by a payday loan consolidation company I am working with. Those documents were submitted weeks before my loan was due with them. This lender was notified that they would be compensated for what I owed, just not on the date of the previous agreement.
|
| 11/15/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I went to pay on my load and as I was there I asked what loan number I was on, Because I wanted to set up payment plan. I was told by XXXX that they were no longer offering or had to offer one. Indiana state law says that payday loans retailers have to offer one which you have to pay off in 60 days. Tried to explain this but they stated they were pulling away from that. I would like to see if you can give me clarification on this.
Thanks Date XX/XX/19 time XXXX.
|
| 12/01/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
XXXX XXXX XXXX XXXX has been calling me for months over a payday loan that I owed for 2014. They are not even the people that are supposed to be handling the debt anyway because I spoke to someone with Check n Go and they dont even know who XXXX is. That company is a fraud and I told them if they dont stop calling me I would report them to the attorney general office and they still call. Here is their phone number they call from XXXX. Please help me. Thank you
|
| 09/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I recently reviewed my credit report and noticed a lot of inquires that werent done by me. Its a defamation of character under law 15 USC1681. I asked for the credit bureau to verify this information they stated they couldnt and I had to reach out to the companies. I reached out to the co XXXX they stated the same that they couldnt and for me to reach out to the credit bureau to get them removed. Still nothing has been done and this has went on for over a month.
|
| 05/21/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I was contacted today XX/XX/XXXX about a payday loan taken out in my name on XX/XX/XXXX that I never signed for nor did I have any knowledge about. I have never done business with Check N Go, and have received notice that they intend to sue me for three times the amount of the debt they claim I owe them. It is my belief that someone used my information for the purpose of obtaining this loan for themselves as I have not even had a bank account for nearly 6 years.
|
| 08/18/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
Several people have called me about a check and go loan for {$760.00}. The person I spoke to today didnt verify any information just started telling me info about the account and when I made him aware of it he got offensive. I asked him how was he gon na just give me info without verifying who I am. He said they will just see me in court.
Last week, a lady said the same thing when I didnt verify my social because she couldnt tell me what or whom it was about.
|
| 04/24/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I had a registration loan in the amount of {$4500.00}. I was never given the option to opt out of ACH. When i was unable to pay the high payments i attempted to refinance. I was instructed that i must pay 1/3 o f the principle to refinance for a lower more affordable rate. That would be approx. {$1500.00}. When i attempted to refinance they then told me that it was not on ly 1/3 of t he principle but also interest. This fraud caused me to default on the loan.
|
| 01/16/2017 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
Got a call from XXXX threatening me about a payday loan from Check n Go. They said I need to turn myself in to the police. My bail is {$25000.00}. I need help, I 've never received any letters from the payday loan company or any summons. Needless to say I live in Missouri and I get a call from an out of state number about this matter. Also, this XXXX number had the sheriff 's office call me. And said that if I 'm pulled over I will be arredted for this matter.
|
| 09/13/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
I received a threatening call from them indicating I owe them money and if I do n't pay they will have me go to jail. I have asked this company for UPSP stamped letter in the mail to support their claim that I owe them money three times. Twice on the phone and once on email yet I have not been able to get any documentation. I have provided them my correct home address. I would like to report wrong unlawful practices of this company and their collection issues.
|
| 08/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a loan with XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), and ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), and ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
|
| 12/06/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
I received a call on XX/XX/XXXX stating I needed to contact the legal department at ( XXXX ) XXXX asap. After speaking with an associate he stated that a debt from XX/XX/XXXX with the company XXXX XXXX XXXXXXXX needed to be settled or court action would be taken. I paid an amount in XXXX $ in accordance to the payment plan which would settle my debt with XXXX XXXX XXXXXXXX according to the associate. XXXX XXXX was the name of the individual I conversed with.
|
| 12/08/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
A lady named XXXX XXXX left me a message and called my mother in law. She said she was from XXXX XXXX XXXX ext XXXX and she was going to sue me for check fraud from a debt owed to check n go from 2013 and also called my mother in law and told her she and my father in law would have to go to court also. She states the balance is {$2600.00} and if it goes to court it would be over {$20000.00}. She gave my mother inlaw all of the information also.
Case # XXXX
|
| 04/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
I received a call from a company claiming to be representing Check N Go stating that I had an outstanding loan that was taken out in XXXX of XXXX and that they are calling to collect the debt. This is totally bogas. It is XXXX and in 6 years this is when they start calling me. I have never heard of this check n go company before. They called me today XX/XX/XXXX from a Utah number. I dont know what is going on and it troubles me and I dont know what to do.
|
| 11/30/2015 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
Received a phone call on XXXX from Office of XXXX, pretrial mediation stating I owed XXXX to a payday lender that have never received money from. The caller was named " XXXX " who refused to give me any information as to contacting Check N go. I went online and found a contact number, spoke to a representative whom I asked if my name and last XXXX of my digits have been in the system past or present. The answer was no. I smell a scam.
XXXX phone # : XXXX
|
| 04/05/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was unaware of my account was check n go was sold two different times. It was paid in full {$3900.00} to XXXX XXXX and XXXX. The original Balance was XXXX with Check n Go.
Open date was XX/XX/XXXX. It is showing negative status as it has been paid in full as of XX/XX/XXXX. And still has a negative status. I am trying to at least get it to show " Paid in Full in Collections ''. I have call 4 total companies about this account. And seem to get no where.
|
| 06/23/2015 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
Contacted check n go for information on a payday loan. Company is unwilling to provide daily interest rate or payoff amount on the loan. Talked to XXXX different departments about account information, they refused to provide any information other then the amount currently owed. Spoke with customer service, collections and a supervisor. All were unwilling to provide information on account. They refused to provide information until a payment was processed.
|
| 10/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, which states I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
|
| 05/16/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
Older American |
|
Paid on my loan as usual, same procedure, got a receipt, only to find out 2 days later that it wasn't credited to my account which resulted in me having to pay double because of what I thought was paid.I 've heard of the tactics they use to confuse consumers payments.I 'm on a fixed income ( XXXX ) and can't afford to shell out extra money.I 've tried to contact them on many occasions, but keep getting the run around.Please help to resolve this matter.
|
| 05/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am disputing an account with AXCSSFN/CNGO on my XXXX report. This account has been reporting for six and a half years as valid with no proof that it is mine. I have called XXXX and also the creditor and they dont even have have my information to match who I am. I would like this account removed also because its reporting blatant inaccurate information on my report. Im taking this higher because XXXX never did a thorough investigation on this matter.
|
| 05/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am disputing an account with AXCSSFN/CNGO on my XXXX report. This account has been reporting for six and a half years as valid with no proof that it is mine. I have called XXXX and also the creditor and they dont even have have my information to match who I am. I would like this account removed also because its reporting blatant inaccurate information on my report. Im taking this higher because XXXX never did a thorough investigation on this matter.
|
| 06/24/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Check N Go sold the debt to XXXX XXXX XXXX XXXX XXXX and a rep named XXXX XXXX keeps repeatedly calling my cell phone using spoofed phone numbers ( # neighborscam ). Another rep named XXXX XXXX, also with XXXX XXXX XXXX, has been using the information they obtained to purchase cars, gym memberships, and auto insurance using my personal information.
This needs stopped right away and both Check N Go and XXXX XXXX XXXX refuse to communicate in writing.
|
| 03/15/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX HAS POSTED A COLLECTION ON MY CREDIT REPORT FOR {$4000.00} THAT DOES NOT BELONG TO ME ... I HAVE CONTACTED THEM SEVERAL TIMES ASKING TO REMOVE THIS FRAUDULENT COLLECTION FROM MY REPORT WITH NO LUCK.. AND INSTEAD OF VALIDATING THIS DEBT OR SENDING ME A COPY OF THE CONTRACT THAT MADE THEM THINK IT WAS MY COLLECTION THEY STARTED THEIR VERY AGGRESSIVE AND INSULTING COLLECTION CALLS TO MY CELL, WORK AND NOW RELATIVES ... THIS NEEDS TO STOP PLEASE HELP
|
| 12/27/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XXXX XXXX at XXXX I returned a call to check and go regarding a debt of {$870.00}. As I was not sure if the call was legitimate, I requested to receive a document showing what was owed to the company. The woman insisted she was not able to do that and that I needed to set up a payment plan. I voiced concerns about giving that information when I had no proof of the debt I was owed.She again refused to send any documentation to my physical address.
|
| 04/08/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I am struggling for a little bit my work is slow so I missed a payment but made XXXX back already I am XXXX months behind in rent I asked them not to take out things will pi k up quickly they are running me negative in my account and they are trying to take double out I tried to talk to them but they said tough XXXX I am going for a week with no meds I am XXXX and so is my wife a week will be very bad for us they won't work with me they are rude.
|
| 05/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed XXXX Inquiry Date XX/XX/2017 2017
|
| 04/11/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
Servicemember |
|
They contacted my Grandmother and my Mother and stated that I had a Warrant out for my arrest for a felony bounced check. They verified doing this with my Grandmother upon me calling them, the representatives identified themselves as XXXX and Investigator XXXX with the XXXX XXXX XXXX for the State of Texas. The told me that they will be contacting XXXX XXXX and my XXXX XXXX over a debt held with Check and Go somewhere around 3 years ago in 2013.
|
| 06/05/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
The name of the lady that contacted me is XXXX XXXX phone number at XXXX, she said she was with XXXX XXXX out of XXXX, texas, she told me I had felony fraud charges against me and a useless check issued and that XXXX the woman told me I was going to XXXX for 108 days and I was going to have a warrant out and I never receive any mail from these people to see If they are legit please help me, my name is XXXX XXXX and XXXX number is XXXX, thank you
|
| 06/10/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
They added a XXXX XXXX account to my check n go account. I only bank with XXXX XXXX XXXXXXXX and only that company. What check n go did was criminal and fraudulent and instead of correcting the issue they still have the XXXX XXXX account on my profile. They were expecting my loan to be deposited into a bank account that is not mine and refused to correct their or acknowledge there wrong doing. The were extremely unprofessional and criminal.
|
| 02/06/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
This is from years ago, when I really need the money. It was only about 150 dollars. Now they want to settle with over 350 dollars. I said okay, but I cant do it now. He said it has to be done now. He is a legal courier for XXXX XXXX. Where I live. He left me a voicemail today threatening to come get me implying either arrest or something worse. His name is XXXX XXXX he has been calling me non stop and leaving these kinds of voicemails.
|
| 07/25/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
XX/XX/XXXX received calls stating I owed {$1200.00} to check n go and that my checks would be garnished they also contacted my wife and she sent {$700.00} to be paid without verification. They stated loan was taken out in XXXX in XXXX KS and I was living in Virginia at the time. Phone numbers are ( XXXX ) XXXX and ( XXXX ) XXXX. They also sent an email to my wife for her to sign documents. The company that called was XXXX XXXX XXXX.
|
| 01/26/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
This creditor Check N Go ( XXXX ) was initially contacted with all the other creditors in XXXX 2016 to inform them of the bankruptcy filing. This creditor has updated their reporting to XXXX credit bureau incorrectly. The creditor reported for nearly a year of a Failure to Pay ( FP ) just ending in XXXX 2016. On XXXX, this creditor is reporting the bankruptcy as starting on XX/XX/XXXX2016. They need to update the information please.
|
| 02/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CHECKNGO/AXF XXXX Date Opened : XX/XX/2016 Balance : {$87.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
|
| 11/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
XXXX of XXXX called & threatened my niece, XXXX, a college student. A woman claiming to be XXXX left a message concerning a loan my niece had taken under misrepresentation from Check & Go. She said if my niece did not pay back the loan, with its accelerating interest fees, " I WILL be stopping by your residence or place of employment to issue you a certified notice of intent regarding legal action on this claim. '' This is fraud.
|
| 01/25/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On the morning of XX/XX/22 at XXXX my personal information was disclosed to a third party male by XXXX and XXXX XXXX The information released to the third party included my first and last name the last XXXX numbers of my social security number, the case number, the balance owed and also disclosed a different amount of judgement they were seeking. my personal information was disclosed without my consent to the third party male.
|
| 01/13/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
check n go charged off my account 2017, was sold to debt collector. XXXX CLAIMS State of NM CASE # XXXX are going to sue me, claims they are attorney, Calls 30 times a day from unknown number and XXXX, XXXX, i recently disputed error in credit report which gives them notice to stop calls and provide me with documents loan is them Check N go, asked them to remove my employer number at work which they said they can not remove.
|
| 09/14/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Check-n-go representative contacted me to set up a payment arrangement. After I agreed, I found out that the account had already been written off. I filed a complaint asking them to remove it from my credit report. The account is being reported on my credit report as written of, which has severely damaged my credit. They also debited my bank account after it was written off. This is in violation of the Fair Credit Practices.
|
| 02/15/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
The loan was for {$480.00} and some change. I selected the installment plan option, and I made the first of three installment payments two weeks ago. I called to ask him if I could extend the payment bye two weeks because my money was short. They said no, and that they would cash my check as if I had not made the first payment. So, I will be out of overdraft fees in addition to the extra {$18.00} for a repayment plan.
|
| 09/06/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX I received an alert of a new collection on my credit file-XXXX XXXX XXXX in the amount of {$750.00} owner to a company XXXX XXXX XXXX XXXX XXXX. I have disputed this last year and the company name then was XXXX XXXX-it was removed the account from my credit files. Here we are again. I contacted the company on XXXX with no resolution.
I have not applied for a loan from either of the similarly named companies.
|
| 12/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
Servicemember |
|
All of last year my child tax credit I should have gotten {$800.00} a kid totally up to {$2400.00} a month I only received {$800.00} a month only one month I received XXXX the beginning I also didn't get my unemployment covid back pay although I was approved for the covid-19 unemployment and my last day of appointment was the regular date that they started giving an employment I don't know why I wasn't approved
|
| 04/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with fair Credit Reporting act Axcess Financial accounts has violated my rights.
15 USC 1681 Section 602 states i have the right to privacy.
15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.
|
| 08/29/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
For the most part I have paid as promised, However ; for a time, I was unable to make payments on the scheduled date. I asked and was denied for them to stop deducting from my account. I am currently submitting a written letter. Each week they attempt to take money from my account on varying days as well as on the authorized date. This always causes an overdraft fee and often causes other checks to bounce.
|
| 09/20/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I keep getting calls for settled debt from one Check and Go loan that I took out in California.
Every 6 months I get random and different debt companies going after this same debt.
I have ready settled this debt in 2019 and have a PIF letter. I keep getting calls from companies threatening to sue or report to credit bureau. The debt is also past statue of limitations.
Lasted calls are coming from XXXX
|
| 08/27/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
I I took out a {$2000.00} loan because I was out of a job and I have been paying XXXX a month for 5 months now and I still owe more than the principal amount. I'm depressed, the value never went down and the main value went up. impossible to settle the amount. terrible. I call the corporate and nobody give a call. This need to stop and people never have to go in this place called CHECK AND GO! Loan Sharks
|
| 08/07/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I talk to the collection company about a month ago and told them I file chapter XXXX bankruptcy and it was discharged on XX/XX/2018. But they keep harassing me. My law also contact the collect company but they still continue to harass me and threaten me. The original company is check-n-go but it's in collection I don't know the name of the collection company. Here is their telephone number ( XXXX ) XXXX
|
| 07/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
According to Indiana Small loan laws, Payday loan providers are required to offer an extended payment plan on the third, 4th, or 5th consecutive loan. It is even stated in the contract. I am on my 3rd consecutive loan and asked for an EPP. I was told I was not eligible until my 4th consecutive loan. I tried speaking with a manager and was told to file a complaint because there was nothing they could do.
|
| 06/25/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
Well unfortunately they have a third party contacting me telling there filing next I will be arresst again this loan is so old so I had no idea what is going on this was way back XXXX, I had given them a check from my account that was active again I havent lived in Texas since XXXX its now XXXX, now they telling me I have to pay right away. The Loan Company Is Check & Go, I Havent Heard From Them Since.
|
| 04/13/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
I been out of work for 5 weeks. I do receive ssi about {$530.00} a month. But right now it's just enough to pay my rent and food bill. I have made numerous calls to check n go but I have not been able to get my payments deferred until I get some money I always pay my bills on time nothing I can do right now until the economy open up or I get unemployment I'm waiting on stimulus check nothing came yet
|
| 08/11/2016 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
On XXXX XXXX 2016 number XXXX called me back to back 6 times and when I answered they had me on mute and hung up. They have been harassing me all day. I called back and asked them to put me on the do not call and cease and desist all my numbers. The agent argued with me and told me to go get some education and they would not stop calling me. Now they are still calling me and hanging up back to back.
|
| 04/30/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
On XX/XX/XXXX XXXX XXXX XXXX attempted to call my phone approximately 25 times in a 1 minute period. The next day they attempted to call me over 60 times in a one minute period. I asked them to stop this practice. As of XX/XX/XXXX they began this practice once again by calling my phone approximately 25 times in a one minute period. They also called me again on the XXXX 25 times in a minute period.
|
| 11/30/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
A mediator from the office of XXXX XXXX, Pretrial Mediation called and stated I owed a debt of XXXX from a few years ago to a pay day lender ( whom I have never been the recipient of funds ). The caller stated I closed the bank account and that was fraud. Not true. She refused to give me any contact information or send any documents as proof of this charge. Threatened me with a federal offense ...
|
| 07/31/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
A company called XXXX XXXX continues to call both my husband and I claiming we owe money from an old payday loan. We know that we do not owe any money but they will not stop calling and harassing us. They use many different phone numbers or call from block numbers, most recently this number : XXXX. They claim to be needing to get me papers for a lawsuit but won't give me any specific information.
|
| 11/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report.
This account is reporting late as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update the late payments from this account.
|
| 07/31/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I borrowed {$250.00} in XX/XX/XXXX. It is now XXXX. I called to close the account today after I noticed through bank statements that {$60.00} has been coming out of my account since that time.
I called today to close that account and was informed that I still owed {$33.00} dollars on a {$250.00} loan taken back in XX/XX/XXXX. To close the account by XX/XX/XXXX I would have to pay {$93.00} ....
|
| 04/10/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I have made some payments but have stopped due to loss of pay. They must have looked me up on XXXX or other social media and have started calling my family members and friends and giving them information about my debt. I never gave them phone numbers of my friends or family nor have I gave them permission to call them and tell them I owe this company anything. That is a violation of my rights
|
| 04/30/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I received a phone call from a place saying they were attemptening to colect a debt. However I do not recall ever recieving a loan from XXXX XXXX XXXX, it is not even on my credit report. I went on there website and they can't even locate me. The so called collection company call me at my work and threatens me. THey called just today saying they would have me served at my place of employment.
|
| 03/17/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have attempted to ask for a settlement from the company, but the company refuses to settle. I have been unable to make payments, and today I received a collection call for the balance. The collector call my phone number, my work phone number, and other relatives. The person who called gave out personal information and left threatening messages like they were going to come to my employer.
|
| 06/22/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Check n Go charged off the amount of XXXX on account # XXXX on XX/XX/2015. XXXX was assigned the loan to collect on the debt I paid XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX rep XXXX XXXX the final payment on XX/XX/2015 and received a paid in full letter. I call Check n Go advised them of the payment but I received a call from XXXX XXXX XXXX XXXX trying to collect on the debt again.
|
| 03/29/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
I received a call from XXXX stating I needed to be at home within an hour to sign court documents and if I was not at home they would go to my place of employment. I spoke to XXXX XXXX who said I need to contact him before XXXX Pacific Time to provide them with my debit card if not they would proceed with criminal charges on an installment loan from Check N Go from about 4 years ago.
|
| 06/16/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
About 3 months ago I applied for a payday loan of {$600.00}. I received the loan. Since I received this loan I have discovered and been told that in Texas the maximum amount for a payday loan is {$500.00} and can only be for 31 days. Each month for the last 3 months I have been pay {$160.00} a month but they keep refinancing my loan which does not seem to be going down but going up.
|
| 10/21/2015 |
Yes |
|
|
|
Web |
|
|
keeps calling my job, and leaving messages stating that the law enforcement will be at my job or residence with a letter. Not sure who is doing this. I 've requested documents to be mailed to my house, but that has not been done. Not even sure who the company is, the message does n't leave the name, just a phone number to call back XXXX. I do n't owe any money to pay a payday loan.
|
| 12/08/2015 |
Yes |
|
|
|
Web |
|
|
Collection company called saying I had a payday loan from several years back, this might be true I went through a rough patch years ago, they had my full name, address, social security number and what bank I dealt with. They threatened criminal actions against me but when I disputed some of their claims they refused to give me the name of the company calling me. The number is XXXX
|
| 08/14/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
Older American |
|
Took out a payday loan from Check n Go small loan lender in XXXX XXXX, New Mexico. Due to financial hardship was unable to make regular payments. Revoked ACH authorization for automatic withdrawls from checking account, but company continues to make withdrawls or attempts to make withdrawls from my checking account resulting in bank overdraft fees and additional financial hardship
|
| 07/23/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I've paid the debt on XX/XX/2015 to XXXX XXXX the collection agency the debt was sold. I have a copy of the letter still. However, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Check XXXX go was suing me for non payment. I requested validation of the debt and was advised they can't and won't send me anything. The number I was contacted from was XXXX which directed me to XXXX XXXX.
|
| 04/11/2016 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
Stated his name is XXXX and that he is calling on behalf of the state legal support service department and he was order to dispatch someone to the residence or employer of my name. I am to be serviced court documents. That I will need two forms of documentation and if I have questions or concerns to contact XXXX. Failure to do so will result in a bench warrant by XXXX tomorrow.
|
| 05/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This account has been reporting inaccuracies on my report for years. It has been disputed in the past with XXXX, and I dont feel that XXXX has done enough to show me that a thorough investigation has been done. This account reports inaccurate payment history, and they will not verify that the account belongs to me. Im asking for verification of this debt with my signature.
|
| 10/26/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX. Called about an old payday loan. It 's long since been written off. They called me, did n't disclose it was a debt collection call. I had to ask four times what it was about. They claimed is was a bounced check. Another 4 times until they said it was for Check n Go. I hung up on him. Immediately called me back. I hung up again. Then they sent me an unsolicited email.
|
| 10/21/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
On XXXX, I went to Check-n-Go XXXX XXXX XXXX, XXXX, MI XXXX XXXX to get payday loan. After approval and all paperwork done, I was informed they had no cash and I had to receive my loan in their check or by XXXX prepaid card. Since a check is held for days at most banks and XXXX cards have transaction fees, I declined. Is this legal-for them to pay out this way? Thank you.
|
| 10/03/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
i was approved for a lonan of XXXX to pay my XXXX cell phone since i am one day behind, i was asked to sign the disclosures, download them, verify my bank account information using my login credentials and than i received this error message with this link : XXXX XXXX XXXX Than my page said securiy error possible network intrusion, than the page displayed an error message.
|
| 06/08/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have received ten phone calls today from XXXX at my home, place of employment, and my parents residence. An automated voicemail from XXXX XXXX has been left multiple times instructing me to call XXXX. When I call back I reach the voice mail of XXXX XXXX but their system will not allow me to leave a message. These phone calls are harassment of both myself and my parents.
|
| 01/03/2017 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
Today I received a call from a lady at an agency who claims they were hired by Check N Go to notify that I had defaulted on a load. The agency number is XXXX. She said the loan was established on XX/XX/XXXX and charged off on XX/XX/XXXX. I can say without a shadow of a doubt that I did not apply for said loan. I have the XXXX app and to date this loan has never appeared.
|
| 07/19/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I am unable to pay the loan amount at this time, I tried to work out a settlement and they did not accept that. I plan to pay but they call distant cousins, brother in law, my employer and ask for my Supervisor, called my mother and my sister and my ex wife stating they have filed a lawsuit against me. they are harassing me when I am already willing to make arrangements.
|
| 09/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
XXXX has been contacting my family about a debt and threating legal action against my family about a payday loan through checkngo. Everything I have done says this is not a legitment company and they continue to call and threaten. They sent me a validation letter via my email but it does n't look valid. I am not sure what to do as they keep contacting my family members.
|
| 03/11/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I started receiving calls today and they were taking about garnishing my wages. The lady said that they are calling about a line of credit that I have with Check and Go. I told them Ive never heard of Check and Go. Then, she hung up on me. I have not conducted any online financial business with any Check and Go.
( XXXX ) XXXX Is the phone number I was called from.
|
| 12/13/2016 |
Yes |
|
|
|
Web |
|
|
i do n't know if this is the right area.? a place called XXXX collection agency keeps calling. this last message said i am a direct decendent and civil action is going to happen to me cause of breech of contract on a payday loan i took out years ago. I saw online that place is a scam XXXX they called my mother and my cell phone. how can i stop them from calling me?
|
| 09/17/2015 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
They will not stop calling my job ; the office where I work and leaving threatening messages. I called them & told them I can not receive calls at work- he said he was not going to remove my work number from the record and they were going to come serve legal papers at my job. I advised that is against CA State Law ; he laughed & said " have your attorney call ''
|
| 10/06/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Called my place of work and said they would serve me papers. That a civil complaint was against me and I owed money from a check and go debt that was never paid. The company was called XXXX and only had a an hour to sign documents and send over payment to handle matter or a lien would be put on my house. Company does not exist when looked up.
XXXX XXXX XXXX
|
| 08/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Check n go has conflicting dates as to when this account was opened one date is XX/XX/2018, according to my transunion credit report. And it reports XX/XX/2018, according to XXXX. This debt collector has re-aging inaccuracies the date of the first delinquency on a cunsumers account to a later date and duplicate reporting, particularly following transfers ect
|
| 04/14/2015 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
I have paid for a pay day loan XXXX and now am being sued claiming I did not pay for the loan. I have been called XXXX times regarding this same loan that I have paid and now XXXX Mediation has made a claim that I still owe {$400.00} and if am sued in court they are seeking {$2900.00}. They do not care that I have letters that claim I have paid for this loan
|
| 05/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
They have called me numerous times and only leave a prerecorded message to call them back. When I called them back they claimed it was a debt collection over a Check N Go loan from XX/XX/2015. I wrote check n gos fraud department to verify my debt and all they said was its verified, they did not provide details or specifics and didnt prove the debt is real.
|
| 06/05/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
I received a call from location services saying that I was going to be arrested if I did not pay a debt of {$450.00} and they directed me to call a phone # and gave me a " case number ''. I call them and they also threatened to have my arrested, that I would lose my job, etc. In duress, I paid {$200.00} and then gave them my debit card # to set up payments.
|
| 08/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Check n go has conflicting dates as to when this account was opened one date is XX/XX/2018, according to my XXXX credit report. And it reports XX/XX/2018, according to XXXX. This debt collector has re-aging inaccuracies the date of the first delinquency on a cunsumers account to a later date and duplicate reporting, particularly following transfers ect
|
| 08/05/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I am working with a debt consolidation company in regards to this debt. Check n Go has been aware of this since XXXX 2019, yet they continue to harass me at work. I am a XXXX and they are interrupting instructional time. Ive asked them to stop calling me and to communicate with my debt consolidation company who is working with them to settle the debt.
|
| 07/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I received a notification on XX/XX/2022 that a new account appeared on my XXXX credit report. The account is an installment loan from Axcess Financial/ Check N Go. The installment is in the amount of {$2500.00}. The account was opened on XX/XX/2022. I believe it is my father who opened the account in my name, as he has stolen my identity before.
|
| 12/01/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This company calls my work phone and cell phone back to back XXXX4 times daily. I attempted to call this company to make arrangements and they refuse to give me their mailing address to mail in payments. I was advised the only way they would accept payments was via my bank account or via XXXX XXXX which will cost me more money than is necessary.
|
| 06/23/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Received a letter threatening legal action and damage to my credit for an old payday loan I do not recognize. The amount is {$3200.00}. Letter states this is a second attempt, but have not been contacted before. They list an old employer, and family members they may subpoena for court. They state they run a hard inquiry to damage my credit.
|
| 03/19/2015 |
Yes |
|
|
|
Web |
|
|
I 'm receiving calls from a company who will not give me their name threatening to have my license suspended over a payday loan that I have no recollection of. They are also threatening to have warrants issued against me. Not only will they not tell me their company name, but they will not provide any documentation about the supposed loan.
|
| 06/24/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
I defaulted on promise to pay because my charge card was lost and in the process of being reissued. I notified them I will pay as soon as I get the new card in the mail. They have called me on my cell and work phone over 12 times today, even after they were notified by email to stop calling me at work. They continue to harrass me at work.
|
| 06/13/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Older American |
|
It was many years ago when I got a check cashed at check n go.I did n't have the money to pay them back so I did n't pay them They never bothered me about it until about a month ago.That was around 10 years ago.Now they say I owe them XXXX dollars and threaten to put a levy on my bank account.I am on social security and can not pay it.
|
| 10/29/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
|
|
Web |
|
|
Check-n -Go XXXX XXXX XXXX say i owe them cash i dont the last ower had got paid and i feel this person is wrong for asking to repet it i dont understand wat was ask how it got paid was deit reflel program instant help by XXXX XXXX XXXX is unfair missing from my check on XXXX of month by way that is my rent hay a waivie plesae.
|
| 08/31/2015 |
Yes |
|
|
|
Web |
|
|
I have a loan with Check N Go. The loan is now at {$870.00} with fees and re-financing, even though it started off at {$500.00}.
I have refinanced it four times.
Today, I asked for an extended payment plan, and they said that they do not have to offer one in the State of Ohio.
I would like to file a complaint against them.
|
| 12/17/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a call from XXXX and XXXX XXXX that I still owe Check n Go for a loan from XXXX. I paid this off in XXXX with a different collection agency in XXXX of XXXX.
Please contact XXXX and XXXX XXXX and tell them I have paid this off. I have attached the paid in full letter.
I am not sure where the disconnect is here.
|
| 08/31/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
I took out a Payday installment loan with Check N Go. I have paid them in full but they have harrassed me for more than the original loan called for the last 2 months.
They have now sold the loan to a debt collector who is now trying to collect on a debt that has been paid in full.
Please help, XXXX XXXX XXXX XXXXXXXXXXXX
|
| 09/08/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I took out a short loan {$670.00} to date I have paid over {$1400.00} I feel the APY of 400 is usery. I sent them a letter saying I want them to consider my loan full paid. The continue attempting ACH withdrawals causing me bank fees. i need this stopped ASAP.
The lender is Check N Go XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX
|
| 04/04/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Unsure of the exact date, but according to the collection agency stated that is was in XX/XX/2017. I wanted to work things out with the company but they referred me over to this company, I feel that I was not given the time to work out a payment plan with them, or did I receive any notifications through mail, email nothing.
|
| 08/26/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
My soon to be ex-wife took out several credit cards and loans out in my name and has racked up around {$30000.00} worth of debt in my name. I currently have debt collection agencies trying to collect money from me for credit cards and loans that I didn't take out. My credit score is als really low because of these things.
|
| 03/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Check n go changes its name to consumer adjustment put it on my credit report after 7 years like I just opened an account last month. Now I have them as a new account for another 7 years. Totallying 14 yrs. I dont think XXXX is reporting fairly removing old accounts from 7 to 10 years. I dont think this is fair reporting.
|
| 05/24/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been receiving calls for over a year now from XXXX and XXXX telling me that I owe debt to Allied Cash Advance. I have never taken a loan out with Allied Cash Advance and I have asked on several occasions for them to send me paperwork showing where I did and what this is all about. They have not sent me anything.
|
| 01/17/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I informed them that I am unable to pay back the amount at the moment and I can no longer receive personal calls at my place of employment and they continue to call me at work and are jeopardizing my employment. On XX/XX/2019 at XXXX XXXX they called my place of employment and asked to speak to my immediate supervisor.
|
| 04/07/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
Check n go sold my debt to XXXX XXXX. XXXX has subsequently called all of the references I gave XXXX and either left a message or talked to them regarding a " complaint filed against XXXX XXXX and we need to speak to her today ''. This is not professional and borders on illegal dissemination of personal information.
|
| 01/26/2016 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
The creditor stated there would be no further contact as stated from Case XXXX ; however, I received an email stating they tried taking money out of my account again. I have blocked the company from making charges but I 'm furious they are still wanting to take money out of my account.
My bank is XXXX in XXXX, IA.
|
| 01/04/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have had an account with the company and recently just missed a payment. They have called me on my cell phone while I was at work every hour and a half since the day first began. There has to be a limit to the amount of times they can call you in one day especially on a account that is n't even 30 days past due.
|
| 06/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Someone got a loan under my name without my consent. The company is Check n go and on my credit report it is listed as XXXX. Whoever opened this loan had been making payments on it with a bank account that is not mine. I already contacted the company and all the credit bureaus so they can do their investigations.
|
| 08/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Unauthorized hard inquiries from XXXX XXXX, XXXX, Axcess Financial, XXXX, XXXX, XXXX, and XXXX Interactive IN all occurring on XX/XX/2018.
Subsequently I was contacted by XXXX XXXX XXXX on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # XXXX.
|
| 06/03/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
I could not make a payment last Friday XXXX XXXX/XXXX/2015 XXXX, and I am now receiving threatening emails from attorneys. I have been threatened to pay immense amount of lawyer fees ; and will face jail time. Allied cash advanced is now harassing me with phone calls, as well as numbers that are n't identified.
|
| 06/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
Servicemember |
|
on XXXX XXXX i has applyed for an loan of {$250.00} an they denial for any income discramatation that i believe and i also were still treat unfairly previously years doing on XXXX and today XXXX XXXX i has contact check'n go to confront to them about my complain and they not able to explained the reason at all
|
| 06/01/2016 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
I was never given the mini Miranda I was told they where calling from the federal bureau of investors for the us government for check fraud. they would never id they are a collection agency I was told they would garnish my check refused validation & I do have all my calls recorded I also have voicemails left.
|
| 11/25/2015 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
Being accused of check fraud for a payday loan that was n't paid. When the submitted my post dated check it came back as NSF and later when submitted my account was closed by the bank and so therefore they claim I 'm commiting check fraud by a closed bank account and I will face civil charges and go to jail.
|
| 11/01/2015 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
Servicemember |
|
I have never applied for a loan, received a loan or been in contact with the Check 'N Go Company. They sent an invoice or bill in the mail that states my payment has been dishonored.
I 'm either concerned that someone has used my identity to take out a loan or Check 'N Go is trying to scam me out of money.
|
| 12/18/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
During my conversation with an Associate ( XXXX ) with XXXX ; I had requested to defer one payment on my Installment Loan ( # XXXX, Monthly Payment of {$270.00} ) to the end of my Loan ( XXXX, 2019 ) ; due to the fact I lost my job.
Consequently, I was told by the Associate they couldn't honor my request.
|
| 07/27/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This debt was a result of identity theft but I was unable to dispute it as both XXXX and XXXX verified it as accurate. The debt was then paid through a collection agency in XX/XX/XXXX, as of XX/XX/XXXX the debt is now back on my credit report under a new collection agency even though it was paid in full.
|
| 01/04/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
check 'n go is one of the worst compy 's to deal with ther pay sement is not that grate if you take out {$600.00} you have to pay back XXXX dallers. wich come back to them XXXX I think these comppy 's need to my put out of business ther herting people that pay in to are govment ssc.
thank you XXXX XXXX
|
| 06/23/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I borrowed {$2000.00} from check n go with payments of {$320.00} due every other week for XXXX weeks. After making my XXXX payment, i asked what the payoff amount was, and they told me {$2300.00} which is more than the principle even after i had already paid {$650.00}. Negative amortization is illegal.
|
| 08/01/2016 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
The debit collector has been calling at different hours of the day, at work, and calling my family members giving all my information out, and telling them i need a lawyer, they are making my family worried and it needs to stop! I do n't know how they got my family members numbers but it needs to stop!
|
| 12/27/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
|
| 09/04/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I gave them the bankruptcy case number and requested that they Cease and Desist all further contact with me and reach out to my attorney. They are still calling me and attempting to collect a debt that is included in a chapter XXXX bankruptcy, case number XXXX. My attorney is XXXX XXXX XXXX at XXXX.
|
| 10/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
Continuous calls to cell after being advised and requested on multiple occasions to cease and desist. Requested proof of debt as stated by the FDCPA yet debt company refused. Representative " XXXX XXXX '' threatened a law suit if action not taking. Calls to cell 3-5 times daily for the past 8 weeks.
|
| 05/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
This account has been disputed multiple times and XXXX will not do a full investigation into the matter. This account reports OK then ND and then straight to Charge off status. How is that even possible?. The company refuses to update the ND on my credit report or give me proof of the late payment.
|
| 11/05/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Got a loan for XXXX dollars on line through checking who is also axcess financial did not receive any paperwork. Got loan in XX/XX/2020. Paying XXXX dollars biweekly. Problem checked credit Rpt. Shows XXXX dollars month for term of 18 months. That would equal XXXX dollars. That's predatory lending.
|
| 03/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My social security card was stolen with lots of my document in the year XX/XX/2017during XX/XX/XXXX, and since that day a lot of hard inquiries have been showing up in my credit report I have contact the companies where does accounts were open but they have not removed them from my credit report
|
| 04/17/2015 |
Yes |
|
|
|
Web |
|
|
I am receiving calls at my job from a company named XXXX XXXX. They have been told my HR department that I am not allowed to receive personal calls at work through my work line, but the calls and voice messages continue. They told my HR department that they were calling on behalf of Check n Go
|
| 04/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recently checked my credit report and noticed that this company Axcess Financial ( Axcssfn/Cngo ) is reporting derogatory remarks on my XXXX credit file. I attempted to contact the company circa XXXX XXXX to validate this alleged debt and i received no response. I consider this to be fraud.
|
| 07/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I continue to get called for my ex husband. I have advised this company that i have no communication with my ex and that we have been divorced 17 years. They continue to call me and my daughter who is XXXX years old. They refuse to remove our numbers. My ex 's name is XXXX XXXX XXXX XXXX.
|
| 12/28/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
We are working with financial assistance programs. CHECK N GO keep calling my place of work my wife place of work XXXX cell phones everyday. They are informed that we working with the company have legal paper saying there company agreed to terms they are harassing us and our work place
|
| 05/11/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
After multiple threatening phone calls to my wife, threatening to have me arrested, she told them to send the cops. They then sent a letter stating they were suing me, threatening to get a garnishment and a lien. I contacted my attorney who advised me this is a scam and to notify you.
|
| 11/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. This is unacceptable! Please fix this.
|
| 02/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This company which is Check N Go has report incorrect information with the credit bureau. I never signed a contract and they never sent me a bill. They went through a third party and that 3rd party put me on the credit bureau which is XXXX. They were the ones that refer me to FTC.
|
| 05/18/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
XXXX XXXX XXXX XXXX was the original creditor for a pay day loan i had in XX/XX/XXXX, the new owner of this zombie debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SAINT XXXX, MO XXXX, re-aged this debt to XX/XX/XXXX. In an attempt to keep this debt alive and on my credit report.
|
| 09/07/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
check n go continues to attempt to collect a payday loan that is now discharged in a ch XXXX they have continued these collection attempts the last 4 years even when told it was filed. they continue to tell me they were not listed but I have attached the XXXX showing them listed
|
| 06/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
|
| 03/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The credit bureaus XXXX and XXXX are reporting inaccurate information on my credit file. They are reporting a late on Axcssfn/cngo for XX/XX/19. I have never been late and it needs to be removed off my credit. I didn't know this late was reporting until I checked my credit.
|
| 11/10/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have requested that the company cease and desist telephone calls XXXX times and that has been acknowledged by the company XXXX, but they continue to call. When I asked via email that they stop calls, they continue collection attempts but do not address the telephone issue.
|
| 07/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Creditor sold account to multiple collection agencies and collection agencies may have sold account to other collection agencies. I've been getting harassed. I paid off the debt to a collection agency, but multiple collection agencies continue to contact me over the debt.
|
| 05/04/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Three years ago I took out a {$300.00} loan from a loan store. I did not pay it back when I was suppose to. Not one time did I hear from the company via phone, mail, court etc. now I have someone calling my phone telling me if I dont pay it this day etc Ill be garnished.
|
| 08/22/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
have had a company calling me saying I owe a debit. I am not aware of a debit to them. I have asked for proof of it being my debit, as I have had identity stolen and had numerous accounts and loans taken out in my name. And they refuse to prove to me that it is my debit.
|
| 04/06/2015 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
A third party collection agency is calling my job on a debt that I paid in full in 2008 with another collection agency. This agency will not give me a name, number, or addrss to send them my paid in full letter. they are calling my place of employment and threating me!
|
| 05/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have disputed this numerous times certified to credit reporting agencies. I have also tried calling any numbers linked to account and it it like they have disappeared. States it is from California a payday loan. I love in Arizona. Have not had this account verified.
|
| 03/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
i am demanding the following account to be deleted from my consumer report due to inaccurate reporting which has cause damage to my credit score the date opened the date last active does not match and that's a violation of the fair credit reporting act 15 usc 1681s-2
|
| 03/09/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
Payment was refused at check 'n go mailed in additional payment check date XXXX.
Amount of Claim : {$550.00} Late Payment Amount : {$580.00} Account currently in collections XXXX XXXX who is also avoiding.
XXXX Branch Closed XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
|
| 05/16/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
XXXX or XXXX or earlier threatening person not involved to be subpoenaed in court and issues me a summons by sheriff office if I dont pay the debt by XXXX XXXX got the letter XXXX XXXX or contact them its been 11 year since this loan I dont even remember the loan.
|
| 12/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
This credit inquiry was not authorized to run my credit. It is a crime to run someones credit without permission. I am trying to purchase a home and this inquiry needs to be removed immediately as I have not run my credit for 4 months. It is not mine.
Thank you
|
| 03/25/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
They send me a email threatened me to send me to jail!! I have the email. I paid this loan off I have bank statements shows that they took there payments out every two weeks for 3 years XX/XX/XXXX to XX/XX/XXXX, I do n't like being threaten to be sue and arrest.
|
| 01/29/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They call me on my cell phone number and my business number multiple times a week including up to 3 times in a day on each line for a total of 6 calls in a single day and they are far exceeding the 7 times in a week as the same pattern happens week after week.
|
| 03/20/2017 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Calling me at work, threatening me. Call back hang up in my face. Attempting to collect a debt that is not owed. I do not have a contract or agreement with this company. I have never obtained money from them. The original pay day loan company was paid in full.
|
| 11/28/2016 |
Yes |
|
|
|
Web |
|
|
I received an email Check n Go denying a loan application I did not apply for and showing an address I have not lived at in almost 4 years. It contains financial information that has nothing to do with me, i.e. I have not filed bankruptcy and many more things.
|
| 05/01/2015 |
Yes |
- Other financial service
- Check cashing
|
- Advertising and marketing
|
|
Web |
|
|
ON the day both social security and SSI XXXX fell on the same day the company shut down their computers sending most people home, in my case I lost money do to this disruption in my day, and they say they have no idea when the system will be turned back on.
|
| 05/06/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I have an installment from Check n Go for about XXXX years. I pay every month and if I do not pay I am threatened by not being able to reloan. They charge XXXX percent in California. In order for me to survive I must reloan. I am stuck in a vicious cycle.
|
| 07/13/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
Older American |
|
On or about XX/2017 I borrowed XXXX $ from Check and Go, I experienced a unforeseen problem. The Company Check and Go continues to call my employer with automated massages. Is this unlawful? I plan to pay my dept, but this is causing problems at my job.
|
| 05/15/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Can't contact lender or servicer
|
|
Web |
Older American, Servicemember |
|
I took out a title loan from XXXX XXXX XXXX of XXXX XXXX XXXX, CA i fully paid it off the still months later no title or pink slip sent to me so i went to XXXX they told me that company is notorious for keeping pink slips even after they are paid off.
|
| 06/14/2017 |
No |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
Servicemember |
|
In the first week of XXXX the XXXX XXXX XXXX called and threaten to have me arrested if I did not pay XXXX on XXXX XXXX and XXXX XXXX . The person was very demeaning and rude and told me I would go to jail. Then even called my work.
|
| 09/14/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I submitted a Notice of Cancellation of the payday loan within 3 business days which is my right per Texas law. Check N Go refused to rescind the transaction and acknowledge the Notice of Right to Cancel and charged me the exorbitant interest payment.
|
| 10/01/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
The " law '' office called my job and my mom and me, and said that I was being sued for debt. I have never taken a loan out with this company. I told her that and she hung up on me. My HR manager at my job has gotten numerous calls from these people.
|
| 08/08/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
I have advised the collection agencies for XXXX XXXX XXXX XXXX to not call my job multiple times and have provided them with Mobile number and they still continue to call my job. XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018.
|
| 04/03/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
Several callers have called me at my job harraseing me after I have repeatedly asked that they do not call me at work. After useing foul/obscene language the lady hung up in my face and have another lady by the name of " XXXX XXXX? '' call back.
|
| 02/16/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I'm not swayed that XXXX and XXXX XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX XXXX are reporting inaccurate information on CHECKNGO/AXF with account number XXXX.
|
| 10/28/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Older American |
|
Over the weekend I tried to pay the loan off but couldn't. I had to call in order to process the payoff which resulted in additional interest accruing. The person I spoke with confirmed they do not offer any option to pay the loan off online.
|
| 06/30/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
They have repeatedly called me trying to get me to pay even though I have explained to them on 3 occasion in the last 24 hours that I am unemployed due to the pandemic and that I am waiting on my unemployment to pay, yet they still call.
|
| 11/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have had XXXX Derogatory marks on my credit and they have been there for more than 7 years I have tried reaching out but to no avail and I know after 7 years they are suppose to fall off my credit report however they haven't
|
| 03/16/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
To Whom It May Concern, XX/XX/XXXX I took out a payday loan at XXXX XXXX XXXX XXXX. I took out a loan for XXXX I Miss a late payment. I paid the entire loan off In XX/XX/XXXX. I have receipt to prove my merits On this matter.
|
| 12/02/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
I was contacted under false pretenses by a courier who was coming to serve me and then given the number to request a stop order but XXXX people gave me inconsistent information and the debt they are claiming I owe is invalid.
|
| 06/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
This is appearing on my credit, the loan was taken in XXXX. I live in XXXX, it is illegal to take a payday loan in XXXX. This information is incorrect and does not belong to me. The company refuses to take this off my credit
|
| 12/14/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
Company claims to have a courier company to send me legal documents and are trying to serve me with papers. They are stating that I owe them XXXX. A man named XXXX XXXX is calling me stating that I have to appear in court.
|
| 09/27/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
Harassing phone calls, unprofessional and degrading voicemails, when attempted to resolve issues with the company, I was cussed at and treated extremely poorly. The staff there are extremely rude and very un professional.
|
| 08/03/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
For the last few months, CheckN Go has been calling at least 3 times/day and sometimes more. They never leave a message. The call is identified as XXXX XXXX It concerns a payday loan at an exorbitant interest rate.
|
| 10/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Discovered a credit inquiry ( Axcess Financial Dated XX/XX/2018 ) 0n my credit report.I do not recognize this inquiry on my report.I would like any documents with my signature giving permission to run this inquiry.
|
| 11/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I bought a used car and was making payments fully paid off the car in XX/XX/2023 And the bank will not send the XXXX to me they even said if I called again they wouldn't send it at all and would block my number
|
| 12/06/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
I 'm still on chapter 13 so I have 2 loans out now that I did not know i could n't get! It 's hard to pay them back but they is not in my chapter 13! Once going to happen once they find out I 'm off chapter 13
|
| 06/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This company had continued to violate my consumer rights by reporting inaccurate information to the credit bureuse that i owed them a debt that they bought from another company whom i never did business with.
|
| 06/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This company had continued to violate my consumer rights by reporting inaccurate information to the credit bureuse that i owed them a debt that they bought from another company whom i never did business with.
|
| 04/07/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX person calling asking for Credit Card info for a " ONLINE TRANSACTION '' from 10 years ago and won't give me any informaton or send me a Debt Validation letter unless I make a " DOWN PAYMENT '' first.
|
| 10/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Axcess financial continues to falsely report a debt that isnt mine. Dont know who this company is or what they do. However they are inaccurately reporting false account information on my credit profile.
|
| 10/26/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
CHECK N GO IS IN VIOLATION OF STATE COMPLIANCE LAWS AS WELL AS REALTIME RESOLUTIONS, FAIRWAY CAPITAL IN VIOLATION OF FCRA, FDCPA, TCPA ETC..TRADELINE SOLD TRANSFERRED. CHECK N GO LOST TRADELINE RIGHTS..
|
| 01/30/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I took oit a payday loan in 2008 for XXXX dollars that was the fee. Interest was XXXX dollars, and I keep getting calls from the collection agency threatened to sue me and want me to pay XXXX dollars.
|
| 05/21/2015 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
I was harrased at my place of employment by this company and after asking them to remove the number they continued to contact me. They spoke to my co-workers about my information without any consent.
|
| 12/09/2016 |
Yes |
|
|
|
Web |
|
|
I keep getting calls threatening jail and calling my job about a pay day loan and my job said they do n't want anymore calls. My payday loan sold this account so I do n't know who these people are.
|
| 12/15/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This place calls me multiple times a day, sometimes mere minutes apart ; they will rarely leave a message. I 'm trying to work and my phone is constantly ringing. It 's a real disruption to my day.
|
| 09/08/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
On XX/XX/2021, XXXX XXXX XXXX XXXX withdrew {$500.00} from my acct related to the Check n Go payday loan. I believe that I was scammed because the {$500.00} has not been applied to my payday loan.
|
| 04/07/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
Collector has contacted me at work when I have told them to call at home. Ask my employers receptionist where to send garnishment paperwork. Also faxed employer a form for my personal information.
|
| 07/20/2015 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
XXXX or XXXX different employees at the Check N Go loan store have been informed by my supervisor that I can not accept personal phone calls at work but they continue to call several times a day.
|
| 09/15/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This debt has been paid through checking account that was used for verification of an account being open. Debt should no longer be in collections and having negative effects on my credit score.
|
| 09/01/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX is now reporting a collection account on my report without given a notice to dispute account. Also Im being called by their collection department every day they are harassing me.
|
| 05/07/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
AXCSSFN has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
|
| 04/10/2017 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
|
|
There saying I received a payday loan that I have know knowledge of I contract the bank and they do not see the fund deposit in the account are on my past statement from the closed account.
|
| 05/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.
|
| 03/23/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Threatened to send sheriff to my work to serve me. Called repeatedly after asking to stop and informed them that the debt was not valid. Used abusive language calling me an XXXX/XXXX/XXXX.
|
| 03/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received an email from a company threatening to sue me and report an alleged debt on my consumer credit report. I do not recognize the company nor recall ever doing business with them.
|
| 06/14/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
XX/XX/2018 My work was called regarding a debt that I have. I have never given them this contact information and have called them before and asked them to stop calling my family members.
|
| 06/08/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
The XXXX XXXX sent SEVERAL harassing texts to family members indicating they were a law firm trying to reach me and sue me! They even called my elderly mother and harrassed her as well.
|
| 03/30/2017 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Told them on phone this was place of employment do not call this company number. Calls 3 times a day every day. This is logged on my XXXX phone. I am XXXX and asked for letters by mail.
|
| 10/27/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Debt collector called to collect {$540.00} from XX/XX/XXXX and said I was being sued for {$2800.00}. The problem is that Ive already paid this payday loan debt in XXXX ; paid in full.
|
| 02/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
AXCSSFN/CNGO # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report
|
| 03/06/2017 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
This company called me claims to be XXXX XXXX XXXX they say I owe them XXXX. I have never had a online loan done and she had provided me with my own ssn and email and phone number
|
| 04/13/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I have been paying on this loan for 2 years until I could no longer afford to do so. Interested continued to rise and I could no longer afford to make payments on this debt.
|
| 05/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
i notice a negative item on my credit report from AXCESS FINANCIAL AND SENT A DISPUTE ON XXXX XXXX,2020 CHALLENGING THE VALIDITY AND VALIDATION OF THE DEBT IN ITS ENTIRETY.
|
| 07/15/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Just received debt validation from company that verified the agency is trying to extort for double the amount. This needs to be removed from my credit report immediately
|
| 10/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have a hard inquiry on my credit report from XX/XX/2018 for this company : CHECKNGO/AXF XXXX XXXX XXXX XXXX, OH XXXX I never applied for any credit with this company.
|
| 05/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
At a point the information was disputed and removed.I checked my credit report last week and noticed old accounts were inserted into my report that were deleted before
|
| 10/21/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
XXXX from XXXX called saying I was going to be summoned on XXXX counts of fraud with check n go and has called family members who are not associated with payday loan.
|
| 12/15/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
A company placed a collections at the XXXX credit bureaus, and has not sent me any proof the debt is mine. It was opened under my social security number fraudulently.
|
| 05/22/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I took out a loan back in 2008 I believe and I was homeless I haven't been able to pay back but they've been threatening me with prison time if I don't pay it back
|
| 11/14/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am receiving calls from XXXX XXXX XXXX on a old payday loan that I do not owe. This has already been reported one other time. Please see my previous complaint.
|
| 08/20/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
This debt collector sold this debt, to access financial. Therefore committing fraud by investigating and claiming the debt re-aging this debt and harassing me.
|
| 07/10/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I contacted the company and informed them to not call my place of business, as this is my work number, they stated they took my number off, but still calling.
|
| 08/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I had a check and go loan, that kept pulling out of my account, when I was paying in person, with medical bills and cost of living going up, I had to default
|
| 11/03/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
I wrote a letter to them informing to only contact me by email. They have repeatedly called my cell phone and they have also called my work phone repeatedly.
|
| 06/16/2016 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
I have received XXXX calls at work from this lender after I asked them to stop calling me at work. The person responsible is XXXX XXXX at XXXX extension XXXX
|
| 07/31/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Debt was settle and I requested the account to be deleted from the credit bureau. I disputed through XXXX and the company refused to delete the account.
|
| 09/27/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Check n go is accusing me of taking out a loan back in 2019. No proof has been giving. They are trying to take me to court and get me fired from my job
|
| 07/02/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I have talked on several occasions with check n go 's XXXX store manageXXXX, they pulled out XXXX payments that were unauthorized with this account.
|
| 06/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
They are not honest service provider and they are not giving any service to me. When I contacted them, they said you are not on our customers list.
|
| 02/09/2017 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
Call XXXX calls both numbers at same time! Talked to them, told them I could n't pay as required They call XXXX times a day, on both phone numbers!
|
| 11/28/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
Older American, Servicemember |
|
I ask them if they could lower the payment, by {$40.00} they said no. If they can not fix this I will have no choice but to close my bank account.
|
| 12/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
My file was stolen and someone had made an unauthorized hard inquiries.
I would like to file a dispute and remove an unauthorized hard inquiries
|
| 06/01/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
The loan has been paid back for several years and I am being contacted illegally at work which is jeopardizing my employment. XXXX XXXX XXXX XXXX
|
| 10/01/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
this loan company me almost 7days a week XXXX times a day. I know i owe them for my debt but harassing me constantly is just starting to upset me
|
| 01/07/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Servicemember |
|
Was told that first payment was gon na be slightly higher but paper work state something totally different need exact amount of first payment
|
| 09/26/2015 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
Servicemember |
|
Sent multiple notices to stop contact under the FDCPA, collector continues to make repeated harassing phone calls to XXXX parties and myself.
|
| 04/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
|
|
I have oppen accounts that are not mine and there's dep that are not mine never had a XXXX XXXX card and southwest company I'm unknown about
|
| 02/26/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I didnt open up or take out a loan in 2018. The year and dates are wrong this account is more than 5 yrs old and I didnt borrow {$750.00}.
|
| 12/08/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX KEPT COLLECTING ON THE TRADELINE OWNED BY XXXX AND THE TRADELINE IS STILL BEING REPORTED ON CLARITY, DP BUREAU, teletrack ETC..
XXXX
|
| 12/07/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
Account was charge without permission as well as for a different amount. I did not authorize any payments. I did not authorize anything.
|
| 08/27/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me.
Please see the identity theft report and legal affidavit attached.
|
| 10/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I sent a receipt to the to the creditor showing that I paid the loan off but I was told on XX/XX/21 that the account number doesnt match
|
| 11/06/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
| 09/21/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
| 07/17/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
I PAID MY LOAN OFF AT CHECK AND GO, BUT BELIEVE I WAS OVER CHARGED. LOAN START XXXX/XXXX/2015 AND I PAID IT OFF ON XXXX/XXXX/2015.
|
| 01/12/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I got several payday loans approximately 15 years ago and all were repaid now another company is trying to collect fraudulently.
|
| 04/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I applied for credit from Axcess Financial and they made inquiry without reason. I dont have credit with them, It is not fair.
|
| 08/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I was XXXX when this account was opened and I have tried to contact the lender about this account with no assistance
|
| 08/07/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
This collector totally failed to give me notice that the debt was being sold. Before I was given a chance to dispute.
|
| 08/06/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
This collector totally failed to give me notice that the debt was being sold. Before I was given a chance to dispute.
|
| 12/19/2017 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I have an identity theft case going on they have made XXXX inquiries, applies for payday loans, car loans. Etc etc
|
| 01/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
A Check n go loan popped up on my account a few days ago that is not my account, i have never had loan like that.
|
| 10/15/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
They are threatening me with legal action and I have no knowledge of this account. this is through a third party.
|
| 08/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I 'm a victim Indentity Theft and this company is reporting wrong information to the credit bureua under my name.
|
| 05/29/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Threatened to arrest me and take me to court told me to pay with a XXXX XXXX prepaid debit card for {$890.00}
|
| 09/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX ME LLAM y ME DICE QUE SI NO RESUELVO LA XXXX XXXX XXXX EN XXXX XXXX, LA XXXX XXXX XXXX XXXX.
|
| 07/27/2016 |
Yes |
|
|
|
Web |
|
|
Collector keeps contacting job for an employee debit after we repeatedly requested for them to stop.
|
| 01/07/2016 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
They call my work number everyday, I have sent them paperwork to only contact me via email.
|
| 12/17/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
calling and threatening me with court and coming to my house. This is the company : XXXX
|
| 10/07/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I took a loan out and was charged 350.97 % which is an unreasonable amount of interest
|
| 10/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Check n go is inaccurately reporting late when i was able to refinance on a loan!
|
| 07/07/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
Information is not accurate, not my debt, seeking credit improvement immediately.
|
| 05/30/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Check n go XXXX have zero tolerance for their customers on paying them monthly.
|
| 08/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
XXXXXXXX XXXX XXXX. They are charging me. I never stopped there to get a loan
|
| 03/09/2016 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
Check N Go continuously withdrawals from my account without permission
|
| 08/28/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
X/XX/17 harrassing calls and threats to myself and friends and family
|
| 06/21/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The company saying i have a loan for XXXX that i owe and i don't
|
| 08/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
This account is still on my credit report and it is unverified.
|
| 12/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
XXXX XXXXXXXX XXXX XXXX trying to collect a debt I never made
|
| 02/10/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
XX/XX/2022 Check N Go threatened to come to my job to collect
|
| 01/10/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The company stated i owed and amount and that is not true.
|
| 07/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I did not authorize this inquiry on my credit report
|
| 07/02/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Didnt receive letter of debt attempt to be collected
|
| 04/26/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Call Multiple times a day usually 5-6 times
|
| 08/24/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Someone obtained a loan using my SS #
|
| 04/22/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Took out loan XX/XX/2015 for XXXX
|
| 01/27/2024 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 01/16/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/15/2024 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Phone |
|
|
|
| 01/03/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/26/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 12/26/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 12/23/2023 |
No |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 12/07/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/07/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
|
| 11/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 11/14/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Struggling to pay your loan
|
|
Phone |
Servicemember |
|
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/25/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/10/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 10/09/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/03/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/28/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 09/12/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 09/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/06/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/11/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/29/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 07/21/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/11/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/27/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 06/20/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/15/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/11/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 05/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/24/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/19/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
|
| 04/17/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 04/11/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/11/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/31/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 03/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
Older American |
|
|
| 03/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/18/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/01/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 02/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
|
| 02/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/07/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
|
| 02/07/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 02/06/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 02/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/31/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
|
| 01/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 01/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 01/18/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 01/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/12/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Phone |
|
|
|
| 01/09/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/31/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 12/19/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
|
| 12/15/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 11/11/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 11/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/06/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 11/03/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Phone |
|
|
|
| 10/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 09/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 09/23/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
|
| 09/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 09/01/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 08/10/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/19/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 04/26/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Phone |
|
|
|
| 04/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 04/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 04/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/31/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 03/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 03/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 03/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 03/16/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 03/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 03/09/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
|
| 03/09/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 03/03/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
|
| 02/16/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
Older American |
|
|
| 02/09/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/07/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 02/02/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 01/12/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/04/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 12/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/22/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Older American |
|
|
| 10/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/20/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
- Problem with customer service
|
|
Web |
|
|
|
| 08/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
- Problem with customer service
|
|
Web |
|
|
|
| 08/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/09/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/09/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
Older American |
|
|
| 08/06/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Phone |
Older American |
|
|
| 08/03/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 08/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/20/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 07/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Referral |
|
|
|
| 07/15/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 07/12/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/06/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Postal mail |
|
|
|
| 07/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/03/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
|
| 07/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/02/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 06/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/22/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
|
| 06/17/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 06/14/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 06/12/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 05/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/27/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
|
| 05/24/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
|
| 05/16/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/10/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 05/07/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
|
|
|
| 04/30/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 04/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/19/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
|
| 04/13/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
Older American |
|
|
| 04/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 03/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Phone |
|
|
|
| 03/12/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 03/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/08/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 02/24/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 02/12/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Phone |
|
|
|
| 02/05/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 02/04/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/28/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/26/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 01/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/21/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 01/20/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 01/03/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/22/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 12/15/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/11/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 12/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/18/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 10/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/12/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/08/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 09/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 09/18/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Phone |
|
|
|
| 09/17/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 09/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Referral |
Servicemember |
|
|
| 08/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 08/21/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 08/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 07/28/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 07/27/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/20/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Phone |
|
|
|
| 07/16/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 07/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Phone |
Older American |
|
|
| 07/15/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
Older American |
|
|
| 07/08/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 07/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 07/06/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/03/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 06/25/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 06/24/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 06/13/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/19/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
|
| 05/01/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 04/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 04/22/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
|
| 04/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/16/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 04/16/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
Older American |
|
|
| 04/13/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Phone |
|
|
|
| 04/09/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 04/09/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/24/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 03/22/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 03/20/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 03/06/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 03/02/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Phone |
|
|
|
| 02/26/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 02/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/29/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/16/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Phone |
|
|
|
| 01/11/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 01/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/05/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Phone |
|
|
|
| 10/31/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 10/23/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 10/09/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Phone |
|
|
|
| 09/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/30/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 09/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/30/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 08/28/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/28/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
|
| 08/16/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Phone |
|
|
|
| 08/13/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
|
| 07/30/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/26/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 07/17/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/10/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 06/12/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 06/10/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 06/07/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/05/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 06/05/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Phone |
|
|
|
| 05/30/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 05/25/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 05/24/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
|
| 05/22/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/17/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/13/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
|
| 05/10/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Phone |
|
|
|
| 05/09/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Referral |
|
|
|
| 05/09/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 05/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/08/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Phone |
Servicemember |
|
|
| 05/08/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 05/03/2019 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
|
| 05/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 05/01/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
|
| 04/29/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 04/19/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Phone |
|
|
|
| 04/18/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 04/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/11/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 04/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
|
| 04/05/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 04/03/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Phone |
|
|
|
| 03/29/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Phone |
Older American, Servicemember |
|
|
| 03/28/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Phone |
|
|
|
| 03/18/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 03/18/2019 |
No |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/04/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Phone |
|
|
|
| 02/13/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Problem getting a card or closing an account
- Trouble getting, activating, or registering a card
|
|
Phone |
|
|
|
| 02/05/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Servicemember |
|
|
| 02/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/30/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 01/30/2019 |
No |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/19/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
|
| 11/28/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/28/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Older American |
|
|
| 11/28/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 11/20/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 11/14/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Referral |
|
|
|
| 11/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/29/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 10/26/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 10/23/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 09/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/07/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 08/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 08/22/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 08/21/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Phone |
|
|
|
| 08/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 08/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Phone |
|
|
|
| 08/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 08/08/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 07/13/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Phone |
|
|
|
| 07/11/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/06/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
|
| 06/25/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 06/22/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 06/21/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/21/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Phone |
|
|
|
| 06/17/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 06/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/08/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 06/04/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Older American |
|
|
| 05/19/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/18/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Fax |
Servicemember |
|
|
| 05/15/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/10/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Fax |
Servicemember |
|
|
| 05/02/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 05/02/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/01/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/01/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Phone |
|
|
|
| 04/30/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Fax |
|
|
|
| 04/25/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Phone |
|
|
|
| 04/23/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Phone |
|
|
|
| 04/23/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
|
| 04/23/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 04/19/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/04/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/27/2018 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 03/23/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
Servicemember |
|
|
| 03/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 03/21/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/19/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 03/14/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 03/08/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 03/01/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
|
| 03/01/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Fax |
Servicemember |
|
|
| 02/28/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/22/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Fax |
Servicemember |
|
|
| 02/20/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 02/10/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/08/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 02/06/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Fax |
Servicemember |
|
|
| 02/03/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
Servicemember |
|
|
| 01/31/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 01/23/2018 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Fax |
Servicemember |
|
|
| 01/11/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Postal mail |
|
|
|
| 11/20/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 11/17/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
|
| 11/13/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
|
| 11/09/2017 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
|
|
|
| 11/03/2017 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Fax |
Servicemember |
|
|
| 10/17/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 10/13/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Fax |
Servicemember |
|
|
| 09/26/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 09/19/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/13/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 08/23/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 08/22/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 08/15/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
|
| 07/21/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Phone |
|
|
|
| 07/17/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Phone |
|
|
|
| 07/17/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 07/10/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 06/13/2017 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 06/06/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/05/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 06/03/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
|
| 06/01/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 05/22/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/21/2017 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 04/21/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 04/21/2017 |
Yes |
|
|
|
Web |
Servicemember |
|
|
| 04/20/2017 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
Servicemember |
|
|
| 04/20/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Fax |
Older American |
|
|
| 04/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 04/12/2017 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 04/12/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 04/11/2017 |
No |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 04/11/2017 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Shopping for a line of credit
|
|
Referral |
|
|
|
| 04/06/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Postal mail |
Older American |
|
|
| 04/05/2017 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 04/05/2017 |
Yes |
|
- Credit reporting company's investigation
- Problem with statement of dispute
|
|
Web |
|
|
|
| 04/04/2017 |
Yes |
|
|
|
Web |
|
|
|
| 03/30/2017 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 03/29/2017 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 03/29/2017 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Phone |
|
|
|
| 03/22/2017 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Phone |
|
|
|
| 03/13/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Fax |
|
|
|
| 03/07/2017 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 03/07/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 03/06/2017 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
|
| 03/02/2017 |
Yes |
|
|
|
Web |
|
|
|
| 03/01/2017 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 03/01/2017 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/27/2017 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 02/23/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 02/21/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 02/18/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 02/14/2017 |
Yes |
|
|
|
Web |
|
|
|
| 02/14/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 02/07/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 02/06/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 02/04/2017 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 02/01/2017 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Phone |
|
|
|
| 01/19/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Postal mail |
|
|
|
| 01/18/2017 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 01/18/2017 |
No |
|
|
|
Web |
|
|
|
| 01/11/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Servicemember |
|
|
| 01/06/2017 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 01/05/2017 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
Servicemember |
|
|
| 01/05/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 01/05/2017 |
Yes |
|
|
|
Web |
|
|
|
| 01/05/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 01/04/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Postal mail |
|
|
|
| 01/02/2017 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 12/29/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 12/13/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Postal mail |
|
|
|
| 12/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/05/2016 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
|
| 11/26/2016 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
Older American |
|
|
| 11/19/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 11/15/2016 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 11/08/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 11/07/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Postal mail |
|
|
|
| 11/02/2016 |
Yes |
|
- Payment to acct not credited
|
|
Web |
Servicemember |
|
|
| 10/31/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Servicemember |
|
|
| 10/26/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/21/2016 |
Yes |
|
|
|
Postal mail |
|
|
|
| 10/20/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 10/20/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Postal mail |
|
|
|
| 10/15/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 10/14/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Phone |
Older American |
|
|
| 10/13/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
Older American |
|
|
| 10/08/2016 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 10/08/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 10/07/2016 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
Older American |
|
|
| 09/28/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 09/21/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 09/21/2016 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Phone |
|
|
|
| 09/17/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 09/14/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 09/14/2016 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 09/13/2016 |
Yes |
|
|
|
Web |
Older American |
|
|
| 09/08/2016 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
Older American |
|
|
| 08/26/2016 |
Yes |
|
- Payment to acct not credited
|
|
Web |
Servicemember |
|
|
| 08/16/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/12/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 08/10/2016 |
Yes |
|
|
|
Web |
|
|
|
| 08/03/2016 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
|
|
|
| 07/30/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 07/29/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 07/27/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 07/26/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Postal mail |
|
|
|
| 07/25/2016 |
Yes |
|
|
|
Web |
|
|
|
| 07/14/2016 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Phone |
|
|
|
| 07/13/2016 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
Older American, Servicemember |
|
|
| 07/13/2016 |
Yes |
|
- Unsolicited issuance of credit card
|
|
Web |
|
|
|
| 07/08/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Fax |
|
|
|
| 07/07/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 07/07/2016 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 06/30/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/29/2016 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 06/28/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 06/27/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 06/22/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 06/22/2016 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 06/21/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Phone |
|
|
|
| 06/10/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Phone |
|
|
|
| 06/09/2016 |
No |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 06/09/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Older American |
|
|
| 06/07/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 06/03/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 05/31/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Servicemember |
|
|
| 05/31/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 05/31/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Phone |
|
|
|
| 05/24/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 05/23/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Phone |
|
|
|
| 05/21/2016 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
|
| 05/16/2016 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 05/15/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 05/13/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 05/12/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 04/29/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 04/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 04/20/2016 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 04/20/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 04/12/2016 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 03/28/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 03/25/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Servicemember |
|
|
| 03/24/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Referral |
|
|
|
| 03/23/2016 |
Yes |
|
- Payment to acct not credited
|
|
Web |
Older American |
|
|
| 03/18/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Older American |
|
|
| 03/08/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 03/06/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 02/29/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 02/25/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Phone |
|
|
|
| 02/25/2016 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 02/05/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Postal mail |
|
|
|
| 01/29/2016 |
Yes |
|
|
|
Web |
|
|
|
| 01/26/2016 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
|
| 01/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 01/20/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 01/12/2016 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Referral |
|
|
|
| 01/07/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
Servicemember |
|
|
| 01/07/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 12/26/2015 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
Servicemember |
|
|
| 12/22/2015 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Referral |
|
|
|
| 12/18/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Older American |
|
|
| 12/14/2015 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
Older American, Servicemember |
|
|
| 12/08/2015 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/07/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 12/07/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/04/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Phone |
|
|
|
| 12/01/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/30/2015 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
Older American |
|
|
| 11/30/2015 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 11/30/2015 |
Yes |
|
|
|
Web |
|
|
|
| 11/25/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 11/24/2015 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/24/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 11/19/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 11/14/2015 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
|
| 11/12/2015 |
Yes |
|
|
|
Web |
|
|
|
| 11/06/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|
| 11/02/2015 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 10/23/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 10/22/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 10/21/2015 |
Yes |
|
|
|
Phone |
|
|
|
| 10/20/2015 |
Yes |
|
- Credit monitoring or identity protection
- Problem with fraud alerts
|
|
Web |
|
|
|
| 10/20/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 10/20/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Phone |
|
|
|
| 10/16/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 10/15/2015 |
Yes |
|
|
|
Web |
|
|
|
| 10/14/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 10/13/2015 |
Yes |
|
- Can't stop charges to bank account
|
|
Fax |
|
|
|
| 10/07/2015 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 10/01/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 09/30/2015 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 09/30/2015 |
Yes |
|
|
|
Web |
|
|
|
| 09/29/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 09/28/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 09/28/2015 |
Yes |
|
|
|
Web |
|
|
|
| 09/25/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 09/24/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 09/23/2015 |
Yes |
- Other financial service
- Check cashing
|
- Customer service/Customer relations
|
|
Phone |
|
|
|
| 09/19/2015 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
|
| 09/08/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 08/25/2015 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Phone |
|
|
|
| 08/24/2015 |
Yes |
|
|
|
Web |
|
|
|
| 08/16/2015 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
|
| 08/11/2015 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 08/06/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/31/2015 |
Yes |
|
|
|
Web |
Servicemember |
|
|
| 07/28/2015 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 07/20/2015 |
Yes |
|
- Applied for loan/did not receive money
|
|
Phone |
Servicemember |
|
|
| 07/08/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/29/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/26/2015 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Problems when you are unable to pay
|
|
Postal mail |
|
|
|
| 06/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 06/19/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Phone |
|
|
|
| 06/17/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 06/15/2015 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 06/10/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Postal mail |
Older American |
|
|
| 06/03/2015 |
Yes |
|
|
|
Web |
|
|
|
| 06/02/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
|
| 05/29/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 05/28/2015 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 05/27/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 05/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 05/14/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 05/12/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Postal mail |
|
|
|
| 05/08/2015 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
|
|
|
| 05/08/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
Older American |
|
|
| 05/07/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 05/07/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 05/06/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 04/27/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 04/23/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 04/22/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 04/20/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Phone |
Older American |
|
|
| 04/17/2015 |
Yes |
|
- Can't stop charges to bank account
|
|
Phone |
|
|
|
| 04/07/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 04/06/2015 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 04/03/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 04/03/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 04/03/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 04/02/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 03/26/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 03/26/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Postal mail |
|
|
|
| 03/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 03/23/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 03/18/2015 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Fax |
|
|
|
| 03/18/2015 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 03/15/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 03/11/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American, Servicemember |
|
|
| 03/10/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 03/06/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 02/27/2015 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 02/25/2015 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 02/25/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 02/24/2015 |
No |
|
|
|
Web |
|
|
|
| 02/24/2015 |
No |
|
- Charged bank acct wrong day or amt
|
|
Web |
|
|
|
| 02/24/2015 |
No |
|
|
|
Web |
|
|
|
| 02/21/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 02/20/2015 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
|
| 02/17/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 02/12/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
Older American, Servicemember |
|
|
| 02/12/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 02/12/2015 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
Servicemember |
|
|
| 02/11/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Postal mail |
|
|
|
| 02/11/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 02/11/2015 |
Yes |
|
|
|
Web |
|
|
|
| 02/11/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 02/10/2015 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
|
| 02/09/2015 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
Servicemember |
|
|
| 02/07/2015 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
|
|
|
| 02/07/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 02/05/2015 |
Yes |
|
|
|
Web |
|
|
|
| 02/05/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 02/02/2015 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 01/30/2015 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 01/30/2015 |
Yes |
|
- Lender damaged or destroyed vehicle
|
|
Phone |
|
|
|
| 01/30/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 01/29/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Phone |
|
|
|
| 01/27/2015 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 01/26/2015 |
Yes |
|
|
|
Web |
|
|
|
| 01/24/2015 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 01/22/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 01/20/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 01/20/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Older American, Servicemember |
|
|
| 01/16/2015 |
No |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 01/15/2015 |
No |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 01/14/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 01/14/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 01/12/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 01/08/2015 |
Yes |
|
- Payment to acct not credited
|
|
Web |
Servicemember |
|
|
| 01/07/2015 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated an attorney or official
|
|
Phone |
|
|
|
| 01/07/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
|
| 01/06/2015 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 01/06/2015 |
No |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 01/06/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Phone |
|
|
|
| 01/05/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 01/04/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 01/03/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 12/24/2014 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 12/23/2014 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 12/23/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 12/23/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 12/22/2014 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 12/18/2014 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 12/18/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 12/17/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 12/15/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 12/10/2014 |
Yes |
|
|
|
Web |
|
|
|
| 12/10/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/10/2014 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
|
| 12/10/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 12/10/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Older American |
|
|
| 12/10/2014 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 12/10/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 12/09/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 12/09/2014 |
Yes |
|
- Applied for loan/did not receive money
|
|
Web |
|
|
|
| 12/08/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 12/05/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 12/05/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 12/05/2014 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 12/04/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 12/04/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 12/02/2014 |
No |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 12/02/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Referral |
Older American |
|
|
| 12/02/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Servicemember |
|
|
| 12/01/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 12/01/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
Servicemember |
|
|
| 11/26/2014 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
|
| 11/26/2014 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
|
| 11/26/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 11/25/2014 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 11/22/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/22/2014 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 11/21/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
|
| 11/20/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 11/19/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 11/19/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 11/19/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 11/18/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 11/15/2014 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 11/11/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 11/10/2014 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
|
| 11/07/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 11/07/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 11/05/2014 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 11/05/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/05/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/03/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 11/03/2014 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/29/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 10/29/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Phone |
|
|
|
| 10/28/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Servicemember |
|
|
| 10/27/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Postal mail |
|
|
|
| 10/27/2014 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Phone |
|
|
|
| 10/25/2014 |
Yes |
|
- Applied for loan/did not receive money
|
|
Web |
Servicemember |
|
|
| 10/21/2014 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 10/21/2014 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Phone |
|
|
|
| 10/20/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 10/17/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 10/16/2014 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 10/15/2014 |
Yes |
|
|
|
Web |
|
|
|
| 10/15/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 10/13/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/11/2014 |
Yes |
|
|
|
Web |
|
|
|
| 10/10/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 10/10/2014 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Phone |
Servicemember |
|
|
| 10/09/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Phone |
|
|
|
| 10/09/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Phone |
|
|
|
| 10/09/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
Servicemember |
|
|
| 10/09/2014 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 10/08/2014 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 10/06/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 10/06/2014 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated an attorney or official
|
|
Phone |
|
|
|
| 10/03/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 10/02/2014 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 10/02/2014 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 10/02/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 10/01/2014 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
|
| 09/30/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
Older American |
|
|
| 09/29/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Phone |
|
|
|
| 09/28/2014 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
Older American |
|
|
| 09/24/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 09/24/2014 |
Yes |
|
|
|
Web |
|
|
|
| 09/22/2014 |
No |
|
- Can't stop charges to bank account
|
|
Web |
|
|
|
| 09/19/2014 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 09/18/2014 |
Yes |
|
|
|
Web |
|
|
|
| 09/17/2014 |
Yes |
|
|
|
Web |
|
|
|
| 09/17/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
|
| 09/17/2014 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 09/15/2014 |
Yes |
|
- Received a loan I didn't apply for
|
|
Fax |
|
|
|
| 09/15/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Postal mail |
Older American |
|
|
| 09/14/2014 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 09/13/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 09/11/2014 |
Yes |
|
|
|
Web |
Older American |
|
|
| 09/11/2014 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 09/10/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 09/10/2014 |
Yes |
|
|
|
Web |
|
|
|
| 09/10/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 09/09/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 09/09/2014 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
|
| 09/05/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 09/05/2014 |
Yes |
|
|
|
Web |
|
|
|
| 09/05/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
Servicemember |
|
|
| 09/04/2014 |
Yes |
|
|
|
Web |
|
|
|
| 09/04/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 09/03/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 09/03/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 09/03/2014 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 09/02/2014 |
Yes |
|
- Payment to acct not credited
|
|
Web |
Older American |
|
|
| 08/28/2014 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 08/28/2014 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 08/28/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 08/28/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 08/27/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 08/27/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
Servicemember |
|
|
| 08/27/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 08/26/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 08/26/2014 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 08/25/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
Servicemember |
|
|
| 08/22/2014 |
Yes |
|
|
|
Web |
|
|
|
| 08/21/2014 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 08/21/2014 |
Yes |
|
|
|
Web |
|
|
|
| 08/21/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 08/20/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 08/20/2014 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/20/2014 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 08/16/2014 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 08/15/2014 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 08/15/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 08/15/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
Older American |
|
|
| 08/14/2014 |
Yes |
|
|
|
Web |
|
|
|
| 08/11/2014 |
Yes |
|
|
|
Web |
|
|
|
| 08/10/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 08/07/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 08/06/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Referral |
|
|
|
| 08/06/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Referral |
|
|
|
| 08/05/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 08/05/2014 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Older American |
|
|
| 08/05/2014 |
Yes |
|
|
|
Web |
|
|
|
| 08/05/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 08/04/2014 |
Yes |
|
- Received a loan I didn't apply for
|
|
Phone |
|
|
|
| 07/31/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 07/30/2014 |
Yes |
|
|
|
Web |
|
|
|
| 07/30/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 07/30/2014 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Servicemember |
|
|
| 07/28/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 07/25/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 07/25/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 07/25/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/24/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 07/24/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 07/21/2014 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 07/21/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Servicemember |
|
|
| 07/17/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 07/17/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 07/17/2014 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/15/2014 |
Yes |
|
|
|
Web |
|
|
|
| 07/15/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 07/14/2014 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 07/11/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 07/08/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 07/07/2014 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Phone |
|
|
|
| 07/07/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 07/05/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/03/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 07/02/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Phone |
|
|
|
| 07/02/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 07/01/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 07/01/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 06/30/2014 |
Yes |
|
|
|
Web |
|
|
|
| 06/30/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 06/29/2014 |
Yes |
|
|
|
Web |
|
|
|
| 06/27/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 06/26/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 06/26/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Referral |
|
|
|
| 06/26/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 06/25/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 06/25/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 06/24/2014 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/23/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
Servicemember |
|
|
| 06/19/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 06/18/2014 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
|
| 06/17/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Phone |
|
|
|
| 06/17/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 06/16/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 06/16/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 06/12/2014 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/11/2014 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 06/09/2014 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 06/05/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 06/05/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
|
|
| 06/04/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Phone |
|
|
|
| 06/04/2014 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 06/03/2014 |
Yes |
|
|
|
Web |
|
|
|
| 06/02/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 06/02/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 05/30/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 05/30/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Postal mail |
|
|
|
| 05/25/2014 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 05/20/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Servicemember |
|
|
| 05/19/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 05/16/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 05/13/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 05/13/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 05/12/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Fax |
|
|
|
| 05/12/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 05/08/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 05/08/2014 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/07/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/07/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 05/06/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 05/02/2014 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 05/02/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
|
|
|
| 05/01/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 04/29/2014 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
Servicemember |
|
|
| 04/25/2014 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/25/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Fax |
|
|
|
| 04/25/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Phone |
|
|
|
| 04/24/2014 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 04/23/2014 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 04/22/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Older American, Servicemember |
|
|
| 04/22/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Phone |
|
|
|
| 04/22/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 04/21/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 04/20/2014 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 04/19/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
Older American |
|
|
| 04/17/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 04/12/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 04/11/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 04/10/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 04/09/2014 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 04/04/2014 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 04/03/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 04/03/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 04/03/2014 |
Yes |
|
|
|
Phone |
|
|
|
| 03/31/2014 |
Yes |
|
- Payment to acct not credited
|
|
Phone |
|
|
|
| 03/29/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/28/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 03/28/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/28/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 03/27/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 03/26/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 03/26/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 03/26/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
|
| 03/26/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 03/25/2014 |
Yes |
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Phone |
|
|
|
| 03/24/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 03/24/2014 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 03/20/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/20/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 03/18/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 03/18/2014 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 03/18/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Fax |
|
|
|
| 03/18/2014 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
|
|
|
| 03/18/2014 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
|
|
|
| 03/17/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 03/17/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 03/14/2014 |
Yes |
|
- Can't stop charges to bank account
|
|
Phone |
|
|
|
| 03/13/2014 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 03/13/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 03/10/2014 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 03/07/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 03/06/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 03/05/2014 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 03/05/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Phone |
|
|
|
| 03/05/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 03/04/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
|
|
|
| 03/04/2014 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 03/03/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 03/03/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 03/02/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 02/27/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 02/26/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 02/26/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 02/26/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 02/25/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 02/25/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 02/25/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/24/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 02/21/2014 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 02/21/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/19/2014 |
Yes |
|
|
|
Phone |
|
|
|
| 02/19/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/15/2014 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
|
| 02/15/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 02/14/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 02/13/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 02/12/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Impersonated an attorney or official
|
|
Phone |
|
|
|
| 02/12/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Servicemember |
|
|
| 02/11/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 02/11/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/11/2014 |
Yes |
|
- Payment to acct not credited
|
|
Phone |
|
|
|
| 02/11/2014 |
Yes |
|
- Payment to acct not credited
|
|
Web |
Servicemember |
|
|
| 02/10/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Phone |
|
|
|
| 02/10/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 02/10/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/07/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 02/07/2014 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 02/06/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Referral |
|
|
|
| 02/05/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 02/05/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 02/05/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 02/03/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 02/01/2014 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 01/31/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 01/30/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 01/30/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 01/26/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 01/24/2014 |
Yes |
|
|
|
Web |
|
|
|
| 01/24/2014 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 01/23/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 01/23/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/22/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 01/22/2014 |
Yes |
|
|
|
Web |
|
|
|
| 01/22/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/20/2014 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
|
|
|
| 01/17/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted me instead of my attorney
|
|
Web |
|
|
|
| 01/17/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 01/16/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 01/16/2014 |
Yes |
|
|
|
Phone |
|
|
|
| 01/15/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 01/15/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 01/14/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Phone |
Servicemember |
|
|
| 01/11/2014 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
Servicemember |
|
|
| 01/08/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/08/2014 |
No |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 01/08/2014 |
Yes |
|
|
|
Web |
|
|
|
| 01/08/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 01/07/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 01/06/2014 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 01/03/2014 |
Yes |
|
- Applied for loan/did not receive money
|
|
Web |
|
|
|
| 01/03/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
Servicemember |
|
|
| 12/24/2013 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 12/23/2013 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 12/20/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 12/19/2013 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
Older American |
|
|
| 12/18/2013 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 12/18/2013 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
|
| 12/13/2013 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Phone |
|
|
|
| 12/11/2013 |
No |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 12/10/2013 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/10/2013 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
|
|
|
| 12/09/2013 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 12/06/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
|
| 12/05/2013 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Phone |
Older American |
|
|
| 12/05/2013 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Servicemember |
|
|
| 12/05/2013 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Older American |
|
|
| 12/04/2013 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 12/04/2013 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 11/26/2013 |
No |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 11/21/2013 |
No |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 11/21/2013 |
No |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/21/2013 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Phone |
|
|
|
| 11/20/2013 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Phone |
|
|
|
| 11/20/2013 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Phone |
|
|
|
| 11/20/2013 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/19/2013 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/18/2013 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 11/18/2013 |
No |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Servicemember |
|
|
| 11/18/2013 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/15/2013 |
Yes |
|
- Applied for loan/did not receive money
|
|
Web |
|
|
|
| 11/14/2013 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 11/14/2013 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Older American, Servicemember |
|
|
| 11/13/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Postal mail |
|
|
|
| 11/13/2013 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 11/13/2013 |
No |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 11/12/2013 |
No |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/12/2013 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Phone |
|
|
|
| 11/11/2013 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 11/11/2013 |
No |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 11/11/2013 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 11/08/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 11/08/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Phone |
|
|
|
| 11/08/2013 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 11/08/2013 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 11/07/2013 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 11/07/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 11/06/2013 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 11/05/2013 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 11/05/2013 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 11/05/2013 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Phone |
|
|
|
| 11/05/2013 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 11/04/2013 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 10/30/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 10/29/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 10/23/2013 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 10/22/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 10/21/2013 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 10/21/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 10/17/2013 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 10/01/2013 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Fax |
|
|
|
| 09/26/2013 |
No |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Phone |
|
|
|
| 09/25/2013 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 09/24/2013 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 09/24/2013 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 09/19/2013 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 09/17/2013 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 09/16/2013 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 09/13/2013 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 09/12/2013 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/12/2013 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 09/11/2013 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 09/10/2013 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 09/10/2013 |
No |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/09/2013 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 09/09/2013 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Phone |
|
|
|
| 09/08/2013 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 09/06/2013 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Impersonated an attorney or official
|
|
Phone |
|
|
|
| 09/05/2013 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 09/05/2013 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Older American |
|
|
| 08/29/2013 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 08/20/2013 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 08/20/2013 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 08/15/2013 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/01/2013 |
No |
- Money transfers
- International money transfer
|
|
|
Web |
|
|
|