| 01/30/2023 |
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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Good morning, My name is XXXX XXXX and my phone number is XXXX XXXX XXXX.
Before I get into telling you what happened please know I work overnights. Im happy to talk by phone. My days off are Tuesday and XXXX and for me it works best if I can set up a time for us to talk almost like an appointment. Just due to my sleep schedule. This will ensure I do not miss a call or important communication.
That being said, I want to make a report about ongoing harassment and unethical business practices since XX/XX/XXXX, that I have been dealing with from check city in XXXX ut.
Last XXXX ( XXXX ) I had taken out a loan for around {$800.00} for car repairs. After XXXX weeks and making only a few payments I injured my spine and was hospitalized and unable to walk properly for several Months. I kept in close contact with them, sent them proof of medical records, made a few small payments I believe and let them know I wanted and desired to pay off the loan as soon as possible, but was waiting on unemployment. However I did not receive unemployment as I did not qualify for unemployment In XX/XX/XXXX I was strong enough to go back to work and still in communication with check city, I let them know I was ready to resume payments. This is when the problem began however.
Every time I engaged in any conversation, which I did through written communication only due to inappropriate communication as well as the harassment, I was told that the pay date I gave them ( always within a months time of the sent email ) would not be sufficient as I needed to pay them now. I was told they would not take a payment unless it was within that week.
I would then let them know I could not do that. At one point I was texted several time in one day, after making arrangements, and was still sent texts past 7-9pm at night. I immediately contacted the store manager to inform them of everything going on and still, they stated they wanted a payment then.
It was around this time, in XXXX, that I was told if I did not make my payments soon and when told, that my file would be sent to collections where I would face a lawsuit.
This threat continued monthly with the same encounter. I would give a date they could withdrawal for them to only tell me no it had to be done within a week, or it would go to collections.
Finally In XXXX I responded to the message asking that my file be sent to collections. I was informed it would be sent that day. However it was not and they continued the same game. I asked again in XXXX for it to be sent to collections and explained that it should have been sent the prior month when I was told it would be and still nothing.
Now it is XX/XX/XXXX and I received another email with the same thing. I said heres the date you can withdrawal, Use the card you have on file.
I was told no, it has to be now. I then responded with all of this information and explained to them that not only am I a state employee who makes minimal for survival, and budget is very important, but I explained that I am also caring for my mother and cover much of her budget And I really need to be able to make this arrangement and we could do this now or I would contact someone for further assistance on the matter.
I received an email back stating okay we will set up a withdrawal for the date I gave which was XX/XX/XXXX and was given two ways to pay it off. Once over 4 payments for a total of {$1200.00} or over a year for $ 2400ish.
I responded that I would like to do the 4 payments and again to use the card on file.
When the day came for it to withdrawal I noticed it had not gone out. I went back to my email and an email was sent just a couple days before asking if I wanted to use the card on file. Although I stated in two previous emails to be sure to do so.
Im now being told I will owe them $ XXXX and going through the same thing. Ive done everything on my end. My credit that I have been working hard to build up has dropped back down, and although I am aware I owe the money I borrowed, at this point that is all I am willingly to pay as I feel like this is not only harassment, but unnecessary stress and unethical conduct.
I have documents including emails and text messages and I receive daily phone calls from them, even though I have already stated I would only communicate through written communication due to everything that has occurred thus far. I have been more than fair in trying to work to get this paid but now Im honestly scared of facing legal repercussions, which could end up costing me my job.
Can you please help me?
I would greatly appreciate it.
Once I am able to speak to someone who can handle this I will send all documents as I dont want to overflood the system at this time.
Thank you so much for your help and time. I really appreciate you and your support.
Sincerely XXXX XXXX XXXX
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| 11/27/2016 |
Yes |
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- Charged bank acct wrong day or amt
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Web |
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I had a pending payment due on XX/XX/2016 of this month. When I learned my deposit was not coming in until the XX/XX/XXXX, I sent the company an e-mail and this is what XXXX responded : " If it is going to return back then we will need to decline your new loan request. We will notate your account and your other loan is still scheduled for the XX/XX/XXXX. '' I had a pending loan that I had tried taking out so I could have money for the holiday. This is my response : I just got the decline notice. That 's fine. I can try again after it clears on the XX/XX/XXXX. I just want to get a little extra before the holiday since I have no groceries.
That being said, I was under the understanding that the payment would be taken out on the XX/XX/XXXX, not the XX/XX/XXXX. However when I checked my account on the XX/XX/XXXX, I found that I was overdrawn. The payment attempted to go through which resulted in a slew of overdraft fees, the cancellation of my online payments to the gas company and a state of financial dire straits until the deposit came in. Unfortunately, the majority of my planned deposit was taken by overdraft charges. I incurred about {$200.00} in overdraft fees because of this incident.
Then, out of this last paycheck XX/XX/XXXX, XXXX payments were taken out from this company because of the returned payment which I had tried to avoid leaving me with precious little in my bank account to pay my rent, pay my utilities, get groceries, and other bills.
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| 04/03/2015 |
Yes |
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- Lender repossessed or sold the vehicle
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Web |
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In XXXX XXXX I took out a title loan on my XXXX XXXX XXXX. I borrowed {$1900.00} from Check City located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah. I was unable to make my payment in XXXX. I contacted Check City and advised them of my circumstance. They assured me everything was okay and to make the payments as soon as I could. On XXXX XXXX, XXXX my account was turned over to their collection department. With a balance owing of over {$2800.00}. They charged me a {$400.00} late fee in XXXX and a {$400.00} late fee in XXXX. I made XXXX payments in XXXX totalling {$500.00}. XXXX payments were made in XXXX totalling over {$800.00}.
In XXXX there were XXXX payments made each an automatic withdrawal from my bank account in the amount of {$270.00} totaling {$530.00}. By XXXX XXXX XXXX I made a total of {$1800.00} in payments on a loan for {$1900.00}. On XXXX XXXX XXXX Check City reposed my vehicle at XXXX. Stating I owed {$1300.00} plus an additional {$320.00} for repossession fee. It is completely unjustified that Check City was allowed to charge me {$800.00} in fees {$400.00} of which was charged the same month I made a {$500.00} payment. If it were not for these fees my loan would have been paid in full with XXXX last payment of less then {$40.00}. My vehicle should have never been at risk for repossession if it were not for the unregulated tactics of this title loan company.
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| 08/01/2015 |
Yes |
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- Charged bank acct wrong day or amt
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Web |
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On XXXX/XXXX/15, I received information from a credit monitoring service noting that on XXXX/XXXX/15 and XXXX/XXXX/15, Check City XXXX, in XXXX Utah had opened XXXX accounts under my name and personal information. XXXX loan is for {$700.00} of which I did not authorize as someone fraudulently obtained my personal information including SS # to open an account. On XXXX/XXXX/15, I sent a fax to Check City XXXX asking them to investigate this issue and advise how me may resolve this matter since my information was fraudulently obtained. Included in my fax was copy of my MA Driver 's license to prove my identity. I did not hear back from Check City XXXX and on XXXX/XXXX/15, I called this establishment and had to leave a voice-mail message outlining this issue since no one answered the phone. To date, I have not heard back from Check City XXXX either by verbal or written communication. Clearly, my identity has been compromised and accounts established using my name and SS #.
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| 11/15/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Can't contact lender or servicer
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Web |
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XX/XX/XXXX-took {$250.00} title loan on XXXX XXXX XXXX XXXX. XX/XX/XXXX made {$120.00} payment. On XX/XX/XXXX. Took another {$250.00} additional. Balance {$370.00}. XX/XX/XXXX. Made {$100.00} payment. XX/XX/XXXX extradited to Colorado on old warrant. Unable to make payment. XX/XX/XXXX husband went to XXXX XXXX XXXX. Attempted to make a {$200.00} payment for me. They did not accept it. Said I was the only one that could make a payment. XX/XX/XXXX. Harrassment begins. The tow driver assaulted my husband. While trying to repo my vehicle. The tow driver then began to contact my family my husband 's family and all of our friends. Stating they were the XXXX police and that I was wanted for felony Grand theft. And that I assaulted the 6'5 '' 290-320lb tow driver. I 'm 100 pounds soaking wet. I ca n't get thru to anyone to clear the matter up. Now when I check my account balance. It 's reads no debt owed. Yet I have no title to my vehicle.
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| 06/22/2015 |
Yes |
- Debt collection
- I do not know
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- Improper contact or sharing of info
- Contacted me after I asked not to
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Web |
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I have filed a complaint against Check City and they continue to call my cell phone even though they responded to my XXXX complaint by stating they removed my cell telephone number from their system. The fact is, they have INCREASED their calls to XXXX a day by calling from a Virginia phone number. The new number they are calling from is ( XXXX ) XXXX, the XXXX number was ( XXXX ) XXXX. Please see my XXXX complaint, Number XXXX. The company responded to the XXXX complaint by saying they placed my cell telephone number on a DO NOT CALL list in XXXX, but calls continue to pour in and I find it interesting they have switched the number they are calling from since I refuse to answer the old number they were using. And, they have XXXX up on their attempts to call my cell phone ... I am now getting calls from both numbers DAILY.
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| 05/12/2019 |
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 received an installment loan from Check City to cover medical expenses. I was making my required payments and paid off my interest balance. However, I fell into trouble into paying my biweekly payment. My wife had XXXX and was off of work for a month. I tried to negotiate with Check City to allow me to pay my remaining balance of XXXX by making payments of XXXX a month. They refused and demanded I make the required amount of XXXX bi-weekly or they will take me to court. I stressed to them that I was willing to pay balance but I needed some leeway on payment arrangement. I couldnt afford XXXX on a bi-weekly basis until my wife was back at work. They staff told me if you can not meet our expected payment of XXXX bi-weekly we will see you in court.
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| 03/20/2023 |
Yes |
- Debt collection
- Payday loan debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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XX/XX/XXXX Check City agreed to waive the underlying balance on the Account, close the account, and not pursue collection of the Account. Moreover, Check City agreed to request the deletion of any tradelines for the Account reported to any credit reporting agency.
XX/XX/XXXX Check City called in regards to the same debt collection after they agreed to no longer contact me about matter that has been resolved.
XXXX/XXXX/XXXX Check City called again harrassing me in regards to same debt, attempting to collect, after I repeatedly told them to stop calling. Check City violated terms of agreement.
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| 08/31/2015 |
Yes |
- Debt collection
- Payday loan
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- Communication tactics
- Frequent or repeated calls
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Web |
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They repeatedly call several times a day using false phone numbers from around the country and leaving an automated message not actual person calling me even after I 've contacted them letting them know when I can pay. And they deny that it is them calling me. This happens about XXXX times a day. It has caused a great deal of stress for me affecting my job as well as personal life.
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| 04/28/2015 |
Yes |
- Debt collection
- Payday loan
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Check City continually calls my phone number. I tell them they have the wrong # and that I do n't know the person they are trying to reach. They have continued to call. I 've told them I was going to file a harassment complaint, but they continue to call my phone.
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| 01/14/2016 |
Yes |
- Debt collection
- Payday loan
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- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
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Web |
Older American |
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Check City sold data to XXXX who contacted me XXXX/XXXX/XXXX to try to collect the debt.
Bankruptcy was filed in XXXX, discharged in XXXX.
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| 08/16/2023 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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| 03/28/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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| 10/18/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Can't stop withdrawals from your bank account
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Phone |
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| 03/08/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Struggling to pay your loan
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Phone |
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| 07/16/2018 |
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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| 05/22/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Struggling to pay your loan
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Web |
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| 10/19/2016 |
Yes |
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- Charged fees or interest I didn't expect
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Web |
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| 04/26/2016 |
Yes |
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- Charged fees or interest I didn't expect
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Web |
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| 11/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Improper contact or sharing of info
- Talked to a third party about my debt
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Referral |
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| 07/28/2015 |
Yes |
- Debt collection
- Payday loan
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- Communication tactics
- Frequent or repeated calls
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Web |
Servicemember |
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| 07/17/2015 |
Yes |
- Debt collection
- Payday loan
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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| 03/27/2015 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
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| 02/11/2015 |
Yes |
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- Charged fees or interest I didn't expect
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Web |
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| 02/10/2015 |
Yes |
- Debt collection
- Payday loan
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- Communication tactics
- Frequent or repeated calls
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Web |
Older American |
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| 10/28/2014 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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| 08/14/2014 |
Yes |
- Debt collection
- Payday loan
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- Communication tactics
- Frequent or repeated calls
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Web |
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| 07/12/2014 |
Yes |
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- Charged bank acct wrong day or amt
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Web |
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| 06/16/2014 |
Yes |
- Money transfers
- International money transfer
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Phone |
Older American, Servicemember |
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| 05/08/2014 |
Yes |
- Debt collection
- Payday loan
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- Cont'd attempts collect debt not owed
- Debt was paid
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Phone |
Servicemember |
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