Ingo Money, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/29/2023	Yes	Checking or savings account Other banking product or service	Managing an account Cashing a check	MI 48035	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau Subject : Complaint Regarding Ingo Money App - Unauthorized Account Opening and Restriction of Access Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Ingo Money App for unauthorized account opening and the subsequent restriction of access to my account. I believe that Ingo Money App has engaged in fraudulent activities by using my trade information to open an account without my consent, thereby causing significant financial harm and violating my rights. I kindly request your assistance in addressing this matter and ensuring that justice is served. 1. Unauthorized Account Opening : It has come to my attention that Ingo Money App has used my trade information, including my name and social security number, to open an account without my knowledge or consent. This unauthorized account opening is a clear violation of my privacy rights and constitutes fraudulent activity. I demand an immediate investigation into this matter and appropriate action taken against Ingo Money App for their unauthorized actions. 2. Restriction of Access : Despite the unauthorized account opening, Ingo Money App has restricted my access to the account, preventing me from utilizing the funds that are growing interest daily. This restriction of access is causing significant financial harm and is a direct violation of my rights as a consumer. I demand the immediate removal of any restrictions on my account and full access to the funds that rightfully belong to me. XXXX. Fraud upon My Name and Social Security Number : Ingo Money App 's unauthorized account opening and subsequent restriction of access have caused significant harm to my name and social security number. This fraudulent activity has the potential to impact my creditworthiness and overall financial well-being. I request that Ingo Money App be held accountable for their actions and that appropriate measures be taken to rectify any damage caused to my name and social security number. 4. Outstanding Invoice : As a result of Ingo Money App 's unauthorized actions and the subsequent restriction of access to my account, I have incurred significant financial losses. I have an outstanding invoice of {$200000.00}, which I expect Ingo Money App to pay within the next three business days upon receipt of this notice. Failure to comply with this request may result in further legal action to recover the damages incurred. I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against Ingo Money App. I seek the removal of any restrictions on my account, the return of my funds, and the enforcement of my rights as a consumer. Additionally, I request that Ingo Money App be held accountable for their fraudulent activities and any violations of federal laws and regulations. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will conduct a fair and thorough investigation into this complaint. Should you require any additional information or documentation, please do not hesitate to contact me. I look forward to a prompt resolution and the assurance that justice will be served. Yours sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
02/15/2023	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	SC 295XX	Web
I went to go cash a check through Ingo money, using XXXX. Everything went smoothly for the first check. I proceeded to cash another check subsequently because the first one had went through, and it was declined. I called customer support to figure out why it was declined, to see if something had been done wrong and they told me that it was missing the year and to resubmit the same check again. I resubmit the same check I'm afraid to get declined again. I call customer support for them to tell me that they have informed their authentications Department of an incoming check, and a customer support told me to put the check through again in a few hours. I waited a few hours, and did so again where it declined. After calling customer support a third time, and let them know about the situation, they tell me that to try a brand new check into submit that again. At this point, going back to the same person and asking them for a third check made me look fishy, and made me embarrassed to even do this because they did not have a bank where I could cash it at so I was forced to use mobile deposits. It declined, and I called customer support again a fourth time, where they told me they would talk to verifications and let them know of another check coming through, and to try again in 24 hours where I proceeded to do so. Shortly after I waited the 24 hours and submitted the check, it declined once more and I was promptly barred from the service. This is absolutely outstanding that they would even do something like this, telling me to do all these verification checks, take no accountability with their customer service, and the fact that so many financial institutions use Ingo Money leaves me with no choice. There is virtually no service that I can use online for mobile check cashing that doesn't go through Ingo Money. They even recommended to go use XXXX XXXX or XXXX but XXXX XXXX doesn't offer that service to everybody. Also hilarious that XXXX uses Ingo money, so the customer service representative basically did everything in their power to XXXX me out of the service, making a fool out of me, and making it impossible for me to ever use mobile check cashing again. I had to wait literally over a week for that check to clear, which was an embarrassing situation and put me in a bad spot because I was expecting that money and the client was also expecting the money to be taken out of their Bank promptly and not an entire week later, especially after writing five or six different checks, making me look like I was a fraudster. This whole situation was embarrassing, humiliating, and stupefying as to why they take no responsibility for the customer service representative telling me to do all these things, and then proceeding to disallow me from their service when I have completely legitimate checks to cash.
10/29/2023	Yes	Money transfer, virtual currency, or money service Check cashing service	Confusing or misleading advertising or marketing	CA 92373	Web
Date XX/XX/XXXX XXXX around XXXX XXXX ( roughly ), went into my XXXX account, i judt received a check, a small check, but one that took 3 months to get as a refund for equipment i bought from XXXX XXXX. This is normal processing time on these sorts of refunds. Anyhow I go into app and I see I'm able to cash check within their app through Ingo or IngoMoney ( not sure official business name ) a XXXX subsidiary company. I go through the verification process, I get approved. I select " instant deposit '' which charges a fee which is fine, I agreed to that. It has me take photos of the check like a usual mobile deposit. It the goes to a " waiting for approval '' stage which takes about 5 min. It comes back approved. It then instructs me to write VOID on front in large letters, again nothing out of the usual. I submit ( and remember this is after I get the check approved not before ). It comes back after I take the photo with the writing void on the front, " you didn't write VOID on front of check '' I figure it's their glitchy AI not detecting the writing. There's no option for me to resubmit anything I get an email from them saying is approved but need further action ( like a reupload of the image of the void check ) then 3 minutes later I get an email saying they are closing my account for whatever reasons. Obviously they can do what they wish with opening or closing accounts that's fine, but the complete lack of any disclosure about getting approved then suddenly closing the account leaving me with a worthless VOIDed check that took 3 months to get is ridiculous. If they didn't want to approve me that's fine, but it should have been done up front, and not tell the customer completely opposite information contrary to this. They told me " yes your approved '', " check cleared '' etc multiple verification walls ( personal like SSN/personal info ) a long with check verification which passed through the system as it took a while. The reason I'm complaining isn't about the amount it's the fact that it's going to take another 3 months to get a replacement check, there isn't even a human to speak to about replacements so I don't even know how to go about that. Also I'm complaining because I don't want this to happen to someone else with maybe their weeks salary or something. That would be a very bad situation for someone living paycheck to paycheck with a family so I'm just trying to think about other people not just myself. The lack of caring besides " just request another check '' is sad and horrible customer service and a flawed system. Hopefully this makes some impact to have some change so this doesn't happen to someone else in dire need who decides to use this awful service. Thank you for your time, XXXX XXXX XXXX XXXX
12/07/2021	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Problem adding money	CA 90044	Web
I opened a XXXX debit card account. I emailed XXXX a photocopy of my state identification card and IRS tax returns to verify my identity. XXXX reviewed and accepted my documents and mailed my permanent XXXX card. My account is active and in good standing. I downloaded the XXXX App and created an online account. I attempted to mobile deposit a government check ( unemployment insurance ). I endorsed the check and took a clear legible photograph of front and back. I then received a verification error message. It stated Ingo Money Services was unable to verify my identity and to deposit elsewhere. This is egregious for Ingo Money Services. I have already successfully submitted my valid state identification card and IRS tax forms. How are they unable to verify my identity? My ID card is not expired and was approved by XXXX. The name on my check is the same as it appears on my state ID, IRS tax return and XXXX account. I called XXXX to ask why Im unable to deposit my government check. They said I have to contact Ingo Money Services. XXXX indicated they accept unemployment checks. I called Ingo Money Services on Monday, XX/XX/2021 and was on hold for over an hour. Then I spoke to a female representative ( XXXX XXXX ) who was rude and continued to interrupt after I asked her not to. She had an unprofessional tone and continued to interrupt on purpose. She refused to answer my questions. Then after providing my personally identifiable information, she stopped talking and I was on the call without any sound. The phone conversation occurred around XXXX XXXX. PST. The telephone number I called was ( XXXX ) XXXX. I asked the agent to call me back if the call was disconnected. She indicated yes, however, I never received any call back. Essentially, she deliberately lied and was dishonest to the core. This reflect poorly upon Ingo Money Services and XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims court action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Federal Trade Commission CC : Attorney Generals Office
04/27/2020	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	CA 95945	Web
On XX/XX/XXXX, I tried to use my XXXX to cash a check mobilly. XXXX has partnered with Ingo money services to perform these tasks. I entered into my secure XXXX app, and followed the directions for instant deposit, taking a photo of the front and back of the endorsed check. I then received a message from INGO with the XXXX logo that they were ready to deposit the money into my XXXX, but first I needed to write VOID in big letters across the front of the check. I did so, and used my secure XXXX app to send the photo. However no matter how many times I tried, the app would not accept or approve my picture. It appears that the app is flawed or has a programming issue. When I take my picture, the app enters another screen and then flips vertically, then horizontally, and when it goes back to verticle, the image file is gone and the app says I still need to take a picture. No matter how many times I take the picture, I can't get it to send. I called XXXX, who told me they could do nothing and to call INGO. I called INGO and emailed and when I did they said it was because I quit the app and it turned out. I tried to tell them I never quit the app and that it seemed like a programming issue because the window kept resetting but they wouldn't listen and just told me to go try again. I did try again and the same issue is happening. An hour after submitting my check INGO sent me a message saying the transaction was declined because they never received an image of my voided check, but not to worry because the check was still valid and I can't try elsewhere. Of course, that's not true, the check is no longer valid since I wrote VOID across it in big letters. Now the check is worthless, XXXX will do nothing and INGO is unreachable in any timely matter, and they seem not to listen to the problem. Thank God that this was only XXXX dollars lost, I have two other checks here I was going to cash with the same method totalling over 400 dollars, which would have been a huge load for me. INGO should not be asking people to write VOID across the checks if they are not going to accept the photo or be available to resolve the issue before they decline the entire transaction.
10/31/2021	Yes	Money transfer, virtual currency, or money service Check cashing service	Fraud or scam	AR 716XX	Web	Older American
DEAR CONSUMER FINANCIAL PROTECTION BUREAU SO IM SENDING WRITTEN ONLINE EMAIL ABOUT IM HAVING DELAY PROBLEM ISSUES WITH & FINANCIAL BUSINESS COMPANY GOES BY THE NAME OF INGO MONEY INC SO I CAN EXPLAIN MORE DETAILS ABOUT THE TYPE OF PROBLEM ISSUES IM HAVING REGUARDING INGO MONEY INC OFFER CHECK MOBILE CHECK DEPOSIT SERVICES SO IN ORDER FOR U TO CASH & VALID CHECK ENCLOSE THRU THEM U HAVE TO HAVE VALID ID FORM SURCH AS STATE ID CARD PHOTO ARE DRIVING LICENSE ID CARD THEN U MAY HAVE TO UPLOAD PHOTO COPY BACK IN FRONT OF ID CARD PHOTO IN ORDER TO CASH SMALL BY USING INGO MONEY INC PROCESS FEES IS TOTAL AMOUNT XXXX DOLLARS EVERYTIME IF U NEED FUNDS THAT SAME DAY POSTED CREDIT INTO YOUR CHECKING ACCOUNT DEBIT CARD NUMBER SO INGO MONEY INC SO BLOCK PERSONAL ACCESS FROM ALL OF MY ENTIRE FAMILY MEMBERS GOES BY THE NAME OF XXXX FAMILY RESIDENT CAN NOT ACCESS THE INGO MONEY APP TO CASH A CHECK BECAUSE INGO MONEY ARE SAYING THEY FOUND FRAUD TRANSACTION GOING ON BY ACCESSING MORE THAN ONE PER CHECKS TRANSACTION PHOTO COPY AMOUNT WHO EVER WORK FROM INGO MONEY INC SECURITY TEAM LOOK LIKE TOO ME THEY ARE NOT FOLLOWING RULES & RUGULATION OF PRODUCT FINANCIAL SERVICES CONTRACT AGREEMENT BETWEEN THE BUSINESS AND THE CONSUMER CUSTOMER FINANCIAL POLICY ACCOUNT SO I CAN PROVIDE ALL THE PHONE NUMBER TO INGO MONEY INC CALL CENTER CUSTOMER DEPARTMENT XXXX XXXX INGO MONEY INC BUSINESS EMAIL ADDRESS XXXX XXXX so ingo money business inc has previous close my ingo money mobile check deposit account out WITHOUT TELLING THE CONSUMER CUSTOMER I HAVE RECENT SPOKE TO TWO TO THREE DIFFERENT SUPERVISOR AT INGO MONEY INC CUSTOMER SERVCIES CALL CENTER
05/24/2020	Yes	Money transfer, virtual currency, or money service Check cashing service	Fraud or scam	GA 303XX	Web
So Ingo Money initially through XXXX XXXX XXXX XXXX was a great banking alternative for me. I work full time, and am unable to get to a bank due to my hours. However, they closed my account with no explanation and the only banking I did was with my payroll check as well as money orders. So there was no " iffy '' transactions being made. I am sitting here at work on a Saturday still trying to figure out what happened. They made $ money off my deposits etc. tried to cash two checks. Both were properly endorsed and made out to me, both were returned for nondescript reasons. They were tax return checks so I highly doubt there was insufficient funds. The first time it waited about an hour then returned it as declined. The second time it said my transaction was processed but the next day said it was rejected. Again, these are tax refunds so they didnt bounce. App doesnt do at all what it claims and the errors it kicks back are useless making it all the more frustrating. I realize they wont tell you about the writers bank because they claim they cant. Even though thats not true because if I took the check to the bank they would say the funds werent there to my face. I expect an actual reason why my checks were rejected but no just got a vague heres a list of possible reasons none of which apply to YOUR checks ... .infuriating. Lastly, there is no resubmission of a check. Once they reject it they basically tell you to go somewhere else not how to fix it so they will cash it. Again, useless.
07/01/2022	Yes	Money transfer, virtual currency, or money service Check cashing service	Confusing or misleading advertising or marketing	CA XXXXX	Web	Older American
On XX/XX/XXXX I received a ceck settlment from the attorney 's who served as the administrators for the class action suit for XXXX XXXX. The check was for {$120.00} because I had purchased five ( 5 ) bottles I submitted te check for payment though the XXXX XXXX website which has the mobile upload for checks that is operated by Ingo Money. The website stated to copy the front and back of check and write Void on the front of the check which I did. After waiting for 3 days I call first XXXX they inform me to call Ingo Money. I was told that the check have not been approve and that Ingo need me to submit verification of the front and back of my ID along with a picture which I did. Then I was sent a email to resubmit the check which I did. This the only way to cash the check because it shows on the check you can NOT cash it at a check cashing agency or money service business only on a mobile app I dont have a back account I have been with XXXX and XXXX since XXXX. Now Ingo Money claims I violated their policies and my account with Ingo Money has been deactivated I NEVER had a acoount with them only XXXX XXXX. it will take 45 to 65 days to get another check and I may have the same problem. the settlement is for XXXX XXXX and I'm sure many many other person are haveing the same problem. Please help us due to the economical situation that we all are in I really need that {$120.00} XXXX XXXX said they can Not help me. It is a promble with Ingo ever though Ingo is on their wedsite
10/28/2021	Yes	Money transfer, virtual currency, or money service Check cashing service	Unexpected or other fees	AR 716XX	Web
DEAR CONSUMER FINANCIAL PROTECTION BUREAU SO IM SUBMITTED WRITTEN ONLINE EMAIL REQUEST ABOUT IM HAVING DELAY PROBLEM ISSUES WITH BUSINESS FINANCIAL COMPANY GOES BY THE NAME OF INGO MONEY INC SO ASLO I CAN EXPLAIN MORE DETAILS ABOUT THE PROBLEM ISSUES IM HAVING WITH INGO MONEY INC SO THE BUSINESS FINANCIAL COMPANY OFFER CHECK CASHING SERVICES FOR SMALL FEE OF FIVE DOLLARS PROCESSING FEE SO THE MAIN PROBLEM ISSUES IM HAVING WITH INGO MONEY INC SO THEY HAVE CLOSE MY ACCOUNT AGAIN THAT I CURRENT PROCESS CASH PAYROLL CHECK THREW THIS MY SECOND TIME IN ROW HAVING DELAY PROBLEM ISSUES WITH CHECK SO I RECIEVE XXXX DOLLARS CHECK IN THE MAIL TODAY AND AFTER I FIRST RECIEVE THE CHECK I READ OVER THE CHECK I SIGN BACK OF THE CHECK ENCLOSE AND WENT TRY TO CASH DEPOSIT ITS INTO MY INGO MONEY APP ACCOUNT & THE ERROR MESSAGE IM GETTING FROM MY INGO MONEY APP ACCOUNT ITS SAY MY ACCOUNT HAS BEEN PUT ON HOLD AGAIN AND THEY DID NOT CONTACT ME BY MAIL ARE EMAIL ARE BY PHONE TO LET ME KNOW MY ACCOUNT HAS BEEN CLOSE AGAIN SO THIS PROBLEM ISSUES HAS CAUSE VERY HARDSHIP TIME WITH THE BUSINESS AND CONSUMER CUSTOMER SO IM THINKING WHY THEY KEEP FREEZE MY INGO MONEY ACCOUNT ON HOLD INGO MONEY CUSTOMER SERVICES PHONE NUMBER XXXX INGO MONEY INC EMAIL ADDRESS XXXX unapproved check purchase amount CHECK TRANSACTION PURCHASE AMOUNT DID NOT GO THREW WITH THEM FUNDS DID NOT CLEAR INTO AMERICAN EXPRESS PREPAID BLUEBIRD CARD ACCOUNT SO INGO MONEY INC ARE NOT GOOD COMPANY TO DO BUSINESS WITH
09/07/2021	Yes	Money transfer, virtual currency, or money service Check cashing service	Unexpected or other fees	PA 195XX	Web
Today XX/XX/XXXX i chose to use ingo money app to cash a unemployment check of XXXX . I submitted my check it was approved and all was good until i got an email saying funding failed. I contacted them realize my old debit card on file changed it and their support told me it would be sent there once that card was verified. I get an email saying my funds were sent yet nothinf was in my account. I contact ingo and they inform me they sent it to a paypal i had on file. Heres where its a problem. 1 : i never chose to have it sent to a XXXX or even had XXXX mentioned between me and them once. 2 : ill provide a photo showing directly in their app under my payment accounts there is no XXXX listed. I didnt even remember it was and definitely never chose it.3 : this paypal i no longer have access to and would never of chosen it be sent there. They expect me to contact XXXX to send it back. I paid an extra fee to have this money sent to my bank account in minutes and against my consent they sent it to an account i didnt chose. They just act as if its not their problem. They went against my consent and my knowledge and sent that money somewhere i won't get back this is ridiculous and i honestly want something legally done about it
09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TN 37601	Web
Someone keeps taking from me and locking me out my accounts I never had any loan I can not get a bank account and I know that it's not because I owe anyone cause I do not my credit report reflects that I have 100 % payment history and I can't get a bank account and XXXX has stolen thousands from me along with other people. My name is XXXX XXXX XXXX XXXX XXXX and I'm very sad upon reading into the federal reserve that my name is all over it. Ingo XXXX and XXXX and every single bank in my town deny my access to just make a account I'm being directly denied rights that anyone has and I'm in college and I am working too change the community for the better and I can't even use a bank account in the United States I have nothing now XXXX made sure of it and I have spent a life with out but upon reading my name so many times transparency maybe a better solution. Please help me get this fixed I'm trying so hard to explain my self and I'm not sure if you could understand what I'm saying but I owe no one and I'm being unfairly denied basic things and I don't know why this has put me in danger many times it's left me homeless and starving because someone empties my prepaid accounts out as fast as I can add money.
07/05/2018	Yes	Money transfer, virtual currency, or money service Check cashing service	Fraud or scam	TN 38117	Web
Ingo Money App ( infomoney.com ) is a shell company created by XXXX XXXX XXXX XXXX ( XXXX ) that provides mobile/online check-cashing services via mobile app. My tax refund check was stolen out of my mailbox and fraudulently cashed using the Ingo Money App in XX/XX/2017 by an unknown person. I have contacted both the XXXX XXXX and Ingo to obtain a refund of the money ( {$850.00} ) they facilitated the theft of and both have refused to provide restitution. When I called to inquire about the " customer '' who cashed the check in my name, Ingo admitted to having the thief 's email address and phone number but would not release it to me without a subpoena. Ingo also admitted that they do not require any identification whatsoever to cash checks. Their website advertises the option to cash checks into any form of cash that can not be traced back to the casher, such as XXXX gift cards. They also advertise that should a check be returned as unpayable, the casher will not be fined or penalized. Their business model is geared toward appealing to identity thiefs and scammers and they need to be stopped. To date, I have not been made whole for my stolen tax refund check.
08/16/2021	Yes	Money transfer, virtual currency, or money service Check cashing service	Unexpected or other fees	AR 716XX	Web
dear consumer financial protection bureau so im submitted written online email case report about im having delay problem issues with and check cashing business goes by the name of ingo money inc so the ingo customer has reach out too the business company directly today and has not been unable to solve problem issue between the consumer and the business company directly so i can explain details about the type of problem issues im having with ingo money inc check cashing services so i had deposit check thru ingo money app mobile check deposit thru my smartphone and after i mobile deposit the first check enclose from my smart phone ingo money denied my recent transaction check amount {$8.00} cents into credit into my checking account then after they denied my first check i deposit another check for XXXX cents even amount into my mobile check deposited into my checking app account on yesterday ingo money close my mobile check desposited account without my consent of knowing they did so i can provide ingo money inc telephone number XXXX so now im not able to deposited checks into my ingo money account thru using mobile check from my phone app
09/26/2023	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	CA 90043	Web
XX/XX/2023 I cashed my check using Ingo mobile check cashing I wanted my card ending in XXXX to be funded after 2 hours I received a email stating that they were unable to fund that card then I linked card ending XXXX & XXXX both were unable to fund after contacting ingo again and I was informed that I could use a XXXX or XXXX I preceded to link my XXXX and called back and spoke to XXXX she said that wasn't true and it had to be a debit she also said that I could use a family members card and she would stay on the phone with me while I link it so with permission from step XXXX XXXX XXXX I linked his card ending XXXX she had me hold for a few minutes then she came back and said it worked and it will be 1 to 2 hours but it never came I called again and was informed that it could take 48 hours so I checked this morning and still nothing we call my dads bank and they said nothing was ever attempted to be deposited. I received a email stating that transaction was approved and account ending in XXXX was funded I call them to let them know that was not my account and I did not give that #
05/30/2023	Yes	Money transfer, virtual currency, or money service Traveler's check or cashier's check	Confusing or missing disclosures	WI 53172	Web
On XX/XX/2023 I was sent a check in the mail for the amount of {$700.00} dollars i then tried cashing it through my bank I had called INGO Money Inc to see if the check was fully processed through they had mentioned that it was then processed through. The check that was sent to me was from my previous finance company. I then sent the check through on Ingo money inc and they had processed it through I then did not receive the full {$700.00} dollars there was over {$30.00} removed from the previous amount given. I am writing this to inform that I was not expecting for them to deny the check later on and why would they process the check and tell me it went through and deposit my funds I don't think I should be charged for the fact that i called to make sure it had went through and I was told yes then to know later on was denied. If there is any way I could dispute this transaction and not be charged for it may I be contacted. I fairly think this debt should not be charged to my credit
10/28/2017	No	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	CT 06106	Web
On XXXX XXXX th I used my card to deposit my birthday check threw taking pictures of it threw Ingo money must be there 3 rd party person who does the checks on XXXX XXXX XXXX I called to see if they could cash the check faster I didnt realize it took so long to cash and I needed the money when they couldnt get it to go faster I asked for the check to be canceled so I could go cash it! I went and cashed not thinking anything because I canceled it already on the XXXX XXXX of XXXX I got my daily amount text with an amount on there I thought it was chil support payment so I took the cash out and paid a little on 2 bills long story short it wasnt child support payment at all they went and cashed the check even though I had already cashed it I called them to figure out what happen and I get hung up on or the rudest people ever speak to me I cant get to a supervisor because I get hung up on this is getting no where and it needs to be cleared up ASAP I need help
03/03/2020	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	CT XXXXX	Web
Ingo Money replied to a prior complaint regarding a transaction in the amount of {$1000.00} on or around XX/XX/XXXX. I deposited a check in this amount on said date, they list the amount as {$1300.00} which is incorrect. As explained in prior CFPB complaint, I chose ten day waiting period which would make funds available on XX/XX/XXXX. Due to a sudden emergency, I needed to cash check prior to ten day period, took check to XXXX XXXX XXXX branch which is bank whom funds are drawn from, cashed it in person. Ingo rep stated my account is in collections when the check was not cashed twice as she implied, funds wee not credited to my account and it shows check as cashed in their app and funds not credited to account. It appears they refuse to remove block on account even when I did not receive funds in account deposited to.. A message was left for a manger, no call back. As far as I aware, I do not owe Ingo on this check or any fees related to it
10/24/2022	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	MO 65401	Web
After using the check cashing service by Ingo Money on XXXX twice they suspended my access after 2 successful cashings of valid checks saying that they had determined that my account exceeded their risk criteria. They did not give me an explanation for why I exceeded their risk criteria or a means of appealing the ban on my account. Ingo Moneys check cashing service has cornered the market in terms of providing check cashing services to online debit and checking account services. Most ( certainly above 70 % ) of these services use Ingo to allow users to deposit a paper check. Big examples of apps using Ingo include : XXXX, XXXX, XXXX, XXXX, XXXX, various XXXX XXXX XXXX rebranded accounts sold in starter kits in retail stores, among others. Banning me from Ingo without an explanation nor means of appeal seriously disadvantages and impedes my ability to utilize banking services and keep myself organized financially in general.
10/01/2021	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	GA 310XX	Web
Every check I have submitted to Ingo money it has been declined for one reason or another. Today was the best. A check from a client, from XXXX with everything printed exactly. They declined saying that the name and needs to be pre-printed on the check. It clearly was. It even has the Code from XXXX on the check. They can't seem to approve any check, keep getting Error code ( XXXX ) they can't accept a check that is hand written, they can't accept a personal check, they can't accept corporate checks, they can't accept printed checks with every single detail in order. A total of 4 checks have been submitted from small companies, handwritten, printed and electronic from XXXX and they have all been declined. Obviously, they only accept payroll checks. Well many of us don't work for some corporate entity because we are entrepreneurs. This service is horrible. They approve nothing, accept no responsibility.
12/19/2020	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	IL 60827	Web
I tried to upload a check on XX/XX/XXXX. it didn't go through. I called Ingo and they told me my account was in collections and terminated. Ingo told me that the check in question was cashed within the last 30 days. the only check I cashed within 30 days was a USPS claim check # XXXX for {$52.00}. my XXXX account shows that ingo deposited the check on the XXXX of XX/XX/XXXX and again on the XXXX of XX/XX/XXXX. I do not know if it is the same check. Ingo emailed me on saying that the check was delayed and successfully funded on the XXXX. Therefore I assumed that the original check from the XXXX was successfully deposited on the XXXX. I don't know if Ingo deposited two different checks from the XXXX and XXXX by mistake on their end. Ingo didn't contact XXXX or me about any bad check or Collections. it has been almost a month since the check was funded.
03/16/2018	Yes	Money transfer, virtual currency, or money service Check cashing service	Fraud or scam	CO 80207	Web
I was attempting to deposit a check using the deposit a check feature offered by financial institution XXXX XXXX but provided by XXXX. I keep getting an error that XXXX XXXX is unable to verify my identity. I contacted support by phone who transferred me to XXXX XXXX who is telling me they are unable to fix the issue and there is nothing I can do. The automated system says my account has been closed and it does not even have the correct birthday for me in the system! I am unable to add money to my bank account so that I can pay bills and use other features offered. They are refusing to resolve the incorrect information in their system I have only attempted to use the check deposit feature one time to deposit a government issued check. I have called and emailed support who has been unwilling to resolve the issue.
02/29/2020	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	CT XXXXX	Web
Ingo Money placed a block on my account due to a check returned as cashed. The transaction, a check deposit in the amount of {$1000.00} on XX/XX/XXXX I believe, caused a block placed because I chose to cash check at a XXXX XXXX XXXX due to a sudden emergency ... .I explained this to rep on with Ingo on XXXX.. I took check to a XXXX XXXX XXXX, the bank it is issued from, cashed it on XX/XX/XXXX. Rep stated the account is in collections when the funds were not credited to account I used for mobile deposit on XX/XX/XXXX, which I also explained..I do not owe on this amount ... The rep tried to infer I had cashed check twice which does not make sense and is not what occurred. I left a message for a supervisor, did not get a call back
01/26/2021	Yes	Money transfer, virtual currency, or money service Check cashing service	Fraud or scam	FL 33010	Web
I have the debit card XXXX XXXXXXXX XXXX debit card. I deposit my weekly job pay check in that card every week for 3 weeks, because I'm new in XXXX are and not have bank account until now. also this pass week " Friday XX/XX/2021 I Deposit my paycheck. The company the XXXX XXXX XXXX XXXX using INGO company for cash check. After I did all the step they talk me to write VOID in my check and sent a pic. They cash it already with the bank. But I still no relied my money. I call every day, they talk me something different every time I called. This is unjust that in the situation we are this company play with my money. company name : Ingo Money Customer Service. Ingo Meny Inc. XXXX XXXX XXXX, XXXX XXXX. XXXX, GA XXXX. Phone XXXX.
06/23/2020	Yes	Money transfer, virtual currency, or money service Check cashing service	Fraud or scam	TX 78218	Web
When cashing a check they needed a picture of the check with VOID written on it. When I wrote VOID in big letters they still rejected the check. The transaction number is XXXX. I was cashing a check for XXXX dollars. It had a XXXX dollar fee so it was going to be XXXX dollars. I am XXXX XXXX and am using a XXXX account. I have a voided check worth nothing. I called multiple times but I was waiting for almost an hour on hold. I also sent a complaint to the XXXX but they just said my complaint was only for information purposes and still didn't give me my check. They have the pictures of the front and back of the check and the voided check. They have to have a human check the pictures. Their program is too faulty.
07/03/2021	Yes	Money transfer, virtual currency, or money service Check cashing service	Fraud or scam	GA 310XX	Web
I attempted to do a mobile deposit into my XXXX account and the check cashing company Ingo Money sent me an email stating that the check was accepted and was pending deposit and then advised me to write void on the check and resubmit the voided check image. I did as they requested and then they denied the deposit and I can not get any other financial institution to honor the check because it has been voided out. I have been corresponding with Ingo Money for the past month trying to get this resolved and every time I am advised to resubmit the check deposit and they will cash the check but they have not. This check is for {$790.00} and has caused me to fall behind on my rent and utilities.
03/09/2020	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	CT XXXXX	Web
A transaction made on XXXX in the amount of {$740.00} shows as pending despite canceled minutes after it was made on XXXX. According to the terms, transactions can be canceled within 24 hour period, there appears to be a technical issue on the end of Ingo Money, the company transaction was made from. I verified transaction canceled with another rep, she confirmed it. Ingo Money should verify this and fix any technical issue so my account does not become inactive. I elected to take check to XXXX XXXX XXXX, the bank it is drawn from, cash it in person due to an emergency. In the event the check is returned on end of Ingo Money, the transaction was canceled and should show as such.
05/30/2021	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	FL 32803	Web
After having cashed several checks with no problems over the course of a few months. Ingo decided With no just cause, that I was " possibly '' trying to cash fraudulent checks. They had no reason whatsoever to come up with this conclusion as the checks I did successfully cash were all valid checks, were never returned, and I never made any such attempt at commiting any so said fraudulent transaction. When I contacted their customer service as to why they came to this conclusion I was provided with no valid reason other than " just because we can ''. The company advertises a service in which they are either too scared to provide or for some other reason just don't provide.
09/02/2017	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	CA 92505	Web	Servicemember
Ingo money is a check cashing service that is partnered and linked to my prepaid XXXX. Ingo money has denied all services to me directly to use thier services. I have done nothing to cause ingo money to deny any checks I present. I have never once presented a invalid or bad check to ingo money. I have not had any suspicious activity with ingo money or XXXX XXXX. I tried to speak with ingo money regarding this decision. They have no reason given why they are discriminating me as a customer. I was promised a promo code when I use thier services. I did not recieve the perk from the promo code because I was denied the service.
07/12/2023	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	AZ XXXXX	Web
XXXX I attempted to use ingo bank 's mobile check cashing service. I was denied. I had this same issue several months back and was told the problem was resolved and I am ok. now I am being told I am permanently denied due to something that happened in XXXX I explained I was a victim of identity theft and had no clue what she was speaking about. She said I needed a police report. I explained there isn't one because I am just finding out about this. and it has been 6 years and I'm not sure I can still receive one. She was rude and not helpful. she refused to give me details as to what happened.
06/22/2023	Yes	Money transfer, virtual currency, or money service Check cashing service	Fraud or scam	TX 77632	Web
On Wednesday XX/XX/XXXX, I was using the mobile check deposit through my bank. They use info money services. I took a picture of the front and the back of the signed check from XXXX insurance company. They tell me my funds will be deposited, I just have to write void on the check and send them a picture to complete the transaction. I do that and they reject the check so now I can't get it cashed anywhere else because they made me write fraud on it. I really needed that money. This is an absolute scam and I fell they like they are stealing the funds from the check for themselves.
05/12/2017	Yes	Money transfer, virtual currency, or money service Check cashing service	Fraud or scam	MO 63135	Web
There was a {$500.00} check load to my account on XXXX XXXX , XXXX and was also cashed with a check cashing place in XXXX XXXX as shown in the descriptive email ingo collections sent me on the XXXX of XXXX . I tried to explain to the Man I talked to at ingo collections that this wasnt me and that I 'm not familiar with any one who stays in XXXX XXXX , which is where he stated it was done at. I told him it was fraud but he said to me he nothing to do with that, that i should report it to the police and i still have to pay them the money regardless
09/01/2022	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Problem adding money	FL 34482	Web
On XX/XX/31 I tried to deposit a {$250.00} check through XXXX which apparently uses the service Ingo Money to deposit their checks. After being told the check is accepted and all I have to do is void the check and take a picture, Ingo declined to deposit the check calling it a failure. Now I have a void check and no money. XXXX blamed Ingo. Ingo acts like they did nothing wrong just some checks they can't accept. That's fine in general but not once they tell a person to void a check. I needed this money yesterday. Now I have a void check and nothing.
08/18/2021	Yes	Money transfer, virtual currency, or money service Check cashing service	Fraud or scam	PA 19116	Web
On XX/XX/21, I used INGO app to cash a check. The company stated that my identity needed to be verified and that the check was not cashed. When I tried to cash it later, it was already indicated that the check was cashed. The company does not answer emails or the phone. It has no customer service. They don't respond. They sent me a message saying they confirmed my identity, but it stated that the check was not cashed, but the it was cashed and is no longer working.
05/27/2022	Yes	Money transfer, virtual currency, or money service Check cashing service	Fraud or scam	CA 95210	Web
Downloaded app for Ingo Money ( for mobile check deposit ) in partnership with a XXXX XXXX product and it says my name and information doesn't match what's in their system. I've attempted to contact the company multiple times, but they have not corrected their errors in the system. Because I have concerns of Identity theft, and fraud, their comments, and practices, are particularly disturbing and are disallowing use of their services.
12/01/2016	Yes	Prepaid card Mobile wallet	Managing, opening, or closing account	CA 92505	Web	Servicemember
Ingo money has closed my account for no reason. When I asked, they replied I have violated terms and conditions. I questioned what part of their terms & conditions I allegedly violated. I received no response. I have never presented ingo money a check for processing that was returned, unpaid, or any other issue. All checks I have presented for cashing cleared perfectly. Ingo money is punishing me for no violations.
06/02/2019	No	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	FL 32803	Web
Ingo check cashing banned me for no valid reason whatsoever.. I believe they are a scam and try to harvest consumers information as I don't know Anyone who has successfully cashed a check with Ingo.. After the banned me I contacted the company several times to get an answer as to why I was banned to no avail usually without any response ... They don't live up to what services they are supposed to be offering ...
04/03/2017	Yes	Other financial service Check cashing	Fraud or scam	NY 10014	Web
Received an e-mail from INGO.com online check cashing asking me to verify that I signed up for their service, which I did not do. When you call the phone number it asks you to input your social security number. Of course I would n't do that. When you finally get to a representative, they are hostile and try to get you to give them your SSN. These people need to be shut down.
08/29/2023	Yes	Money transfer, virtual currency, or money service Check cashing service	Unexpected or other fees	OH 45248	Web
First off XXXXXXXX XXXX XXXX has not sent me a new card I lost mine and requested a new one several times and it's been 6 months and my main issue is a had wrote a check and attempted to move the remaining $ out of my account with a mobile check cashing service called INGO MONEY and they declined the check but still took the money and haven't seen it since it was XXXX $
05/27/2020	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Problem adding money	NJ 07631	Web
Ok so I deposited my work check of a total of XXXX , and I dont know exactly where that money went at all I wanted to know where all of that money went that I deposited into my account. When I try to cash my check again it isnt letting me at all. I needed them to reverse the payment on my check because my check says its been cashed already.
10/18/2020	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	MN 55343	Web	Servicemember
I am having an issue cashing a mobile check by mobile check deposit with Ingo Money using my XXXX XXXX XXXX XXXX debit card. I have never cashed a bad check with Ingo Money. Ingo Money is using discriminatory practices as far as not accepting my mobile check deposit, considering I have never had a check returned to Ingo Money.
05/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 40403	Web
In accordance with the Fair Credit Reporting act XXXX Account, 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.
03/06/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	WV 262XX	Web
I have had my XXXX account for a couple years now I mobile deposit my paycheck every other month give or take I try to deposit XX/XX/2023 ingo or fXXXX XXXX XXXX refused to cash and there reply was this account appears to be in active so we are going to leave it
01/07/2017	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	PA 155XX	Web
Ingo money app stinks, they deceive people into thinking checks get cashed faster when it has been taking me over six hours. This check is good period and they are blindsided, now I have to travel XXXX miles each way to the bank drafted on this!!!
08/21/2021	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	MA XXXXX	Web
Attempts to deposit multiple independent checks, including cashiers checks, drawn on separate banks have been refused with no explanation. 11 deposit attempts have been rejected between XX/XX/2021 and XX/XX/2021.
05/08/2021	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	FL 33309	Web
Ingo money, XXXX XXXX, serve acct # XXXX XXXX XXXX Porte acct # XXXX XXXX XXXX XXXX ( closed now ) Been using Ingo money for years paying 5 % and now refused to serve my account
01/17/2021	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	MN 55343	Web	Servicemember
I am having issues cashing checks with Ingo Money on the Ingo Money Mobile App. Ingo Money is discriminating against me and blocking me from cashing checks on the mobile app.
01/07/2021	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	CA 91942	Web
I tried messaging INGO MONEY app several times to honor my check deposit from the treasury but they locked me out of my account and theyre not responding to any of my emails
07/09/2022	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	FL 324XX	Web
Ingo completed and approved my check threw my XXXX card app and has tried multiple times to fund my account and XXXX hasn't giving me the funds for the voided check
07/03/2023	Yes	Money transfer, virtual currency, or money service Check cashing service	Fraud or scam	MD 21921	Web
THEY WILL NOT LET ME CASH ANY OF MY CHECKS SOMEONE HACKED MY OLD BANK ACCOUNT AND TRIED TO CASH SOMETHING FAKE AND NOW ITS MY FAULT
02/15/2020	Yes	Money transfer, virtual currency, or money service Check cashing service	Fraud or scam	CA 956XX	Web
I have tried to cash a paycheck through ingo money and it got declined because they said I have a bad XXXX report on my name ...
08/08/2023	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	LA 705XX	Web
Company is third party service they refuse to review any checks I try to deposit and now refuse to let me use the service
04/06/2020	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	MN 55343	Web	Servicemember
Im not able to cash checks online with Ingo Money. I have never had an account or cashed a check with Ingo Money online.
11/15/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 93455	Web
I received a debt collection on XX/XX/22 in the amount of XXXX. And not sure why I now owe for a legit check
11/12/2018	No	Checking or savings account Checking account	Problem caused by your funds being low Bounced checks or returned payments	TN 370XX	Web
on XX/XX/18 i deposit check i did not know was not good thay closed my account without telling me
04/09/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	MD 212XX	Web
XXXX XXXX Card Unauthorized Identity theft XXXX XXXX XXXX XXXX
05/06/2022	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	MI 48239	Web
They said Identify myself on XXXX I did
10/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 18440	Web

09/06/2023	Yes	Prepaid card General-purpose prepaid card	Trouble using the card Problem using the card to withdraw money from an ATM	AL 35143	Phone

08/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 31792	Web

05/28/2023	Yes	Money transfer, virtual currency, or money service Check cashing service	Fraud or scam	SC 29624	Web

05/23/2023	Yes	Money transfer, virtual currency, or money service Check cashing service	Fraud or scam	OK 73069	Web

05/20/2023	Yes	Money transfer, virtual currency, or money service Check cashing service	Fraud or scam	AZ 85351	Web

04/21/2023	Yes	Money transfer, virtual currency, or money service Check cashing service	Confusing or missing disclosures	HI 96706	Web	Servicemember

02/13/2023	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Problem adding money	IL 60617	Phone

09/20/2022	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	CA 95076	Phone	Older American

06/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95363	Web

05/18/2022	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 75216	Web

03/30/2022	Yes	Money transfer, virtual currency, or money service Check cashing service	Unexpected or other fees	FL 33604	Web

03/02/2022	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	MN 55436	Web

12/20/2021	Yes	Checking or savings account Checking account	Managing an account Cashing a check	GA 30303	Referral

08/25/2021	Yes	Checking or savings account Other banking product or service	Managing an account Cashing a check	PA 18966	Referral

08/24/2021	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	MN 56441	Web

05/19/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 32217	Referral

01/27/2021	Yes	Credit card or prepaid card General-purpose prepaid card	Problem with a purchase or transfer Overcharged for a purchase or transfer you did make with the card	NY 10113	Phone	Older American

11/28/2020	Yes	Money transfer, virtual currency, or money service Check cashing service	Confusing or missing disclosures	MI 49418	Web

07/16/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	WA 98047	Referral

06/11/2020	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	OH 44266	Web

03/06/2020	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	NY 12019	Web

10/04/2019	Yes	Checking or savings account Checking account	Managing an account Cashing a check	PA 15425	Phone

10/14/2017	No	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	HI 96701	Web

07/26/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 35160	Referral

03/06/2017	Yes	Other financial service Check cashing	Customer service/Customer relations	NY 14810	Phone

01/13/2017	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	NY 11211	Referral

12/03/2016	Yes	Bank account or service Other bank product/service	Using a debit or ATM card	CA 92039	Web

10/09/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	IN 47906	Web

09/25/2016	Yes	Bank account or service Cashing a check without an account	Account opening, closing, or management	MD 21215	Web

09/07/2016	No	Bank account or service Checking account	Deposits and withdrawals	IN 46113	Referral