I have not applied for any loans with Check N Go. I am a victim of identity theft. In XX/XX/year>, I received a letter from Check n Go stating that I owed {$4300.00} for a loan I was completely unaware of, did not apply for or authorize. I immediately contacted the company and informed them that this account was fraudulent. The loan was opened in XX/XX/year> without my knowledge or consent. I have never applied for or received a loan from Check n Go, either online or in person, and I did not receive any funds from this loan. At the time, I initially believed my information may have been compromised due to purchasing a car in XX/XX/year>. However, in XX/XX/year>, I received notification that my personal information was compromised in the XXXX data breach in XX/XX/year>, including my name, Social Security number, address and more. This breach occurred at the same time the fraudulent loan was opened.…
CFPB COMPLAINT DATABASE
Cng Financial Corporation
71 real consumer complaints filed against Cng Financial Corporation at the Consumer Financial Protection Bureau in the last 12 months. 0 received relief from the company. Median federal response time: 15 days.
Most common issues
- 01Charged fees or interest you didn't expect16
- 02Struggling to pay your loan9
- 03Attempts to collect debt not owed7
- 04Can't contact lender or servicer5
- 05Threatened to contact someone or share information improperly5
Top states filing
Recent complaints
The 30 most recent complaints against Cng Financial Corporation where the consumer chose to publish their narrative.
Dear I paid off the dept on XXXX XXXX the dept collecter agency sent me my paid off letter.When the agency contacted me I called check N go to verify if they actually working for them, they provided me the name and the phone number. I Worked with the agency and made a payment plan and they offer me a settlement to resolve the matter faster, I accept the debt was {$3700.00} the settlement is for {$2400.00} XXXX I paid the settlement and they sent me my paid off letter Last week a company call XXXX XXXX XXXX XXXX locate at XXXX XXXX XXXX XXXX XXXX, FL XXXX TEL ( XXXX ) XXXX Called me trating to pay them {$2000.00} if XXXX n't pay them they will take me to court they said the dept is from XXXX XXXX XXXX when I called XXXX XXXX XXXX told me the account been sold to the same company I knew of I called them they talked me my dept was paid off XXXX years ago but those people at the XXXX XXXX XXXX XXXX kept treating me Ineed some help to find the true and some light pleasse
TO XXXX XXXX XXXX XXXX : FRAUDULENT COLLECTION AGENCY CHECK N GO NOT A XXXX COMPANY. COLLECTION AGENCY CHECK N GO XXXX COLLECTION IS IN VIOLATION OF MY CONSUMER RIGHTS IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES/ ACCOUNTS REPORTED WAS FRAUD.COMPANY ABSOLUTE RESOLUTIONS HAS XXXX DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. NO ACCOUNTS HAVE CONSUMERS WET INK SIGNATURE AND MUST BE REMOVED. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY. PROVIDE THE DOCUMENTATION USED TO DETERMINE ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER SUCH AS ORIGINAL PROMISSORY NOTE, CONSUMER WET INK SIGNATURE. COLLECTION AGENCY HAS XXXX DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( XXXX ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. PROOF THAT THIS COMPANY COMMITTED AGGRAVATED IDENTITY THEFT.…
XXXX XXXX XXXX/ signature loan company in Oklahoma did a charge off on a loan I took out in 2024. I paid half of the loan off on time consecutively for 6 month. I had lost my job and tired to work with them by trying to pay what I could afford and they reset my loan to it's original balance of {$700.00}. At that point I told I then I will only paid the remainder of what I owe, which at that point, I only owed {$280.00}. they refused my offer and charged off my debt and sold it to a company named Source receivable management. They have emailed me trying to collect on a bought debt. I put them on notice that I would file a complaint and they put it on my consumer credit reports, credit karma, XXXX, XXXX and XXXX XXXX. They need to be removed immediately
Contacted my wife, and my daughter by phone. I am fine with them contacting my wife, but my daughter is highly unethical and not even legal. The company handling this is XXXX XXXX XXXX ( XXXX ) and the contact was XXXX at extension XXXX. The website is : https : //www.recoverymanagementsolutionsllc.com/
I was receiving numerous phone messages in XXXX XXXX to call an unknown number to verify my background check. Nothing was mentioned about debt. I finally called XXXX XXXX XXXX and was told I had to pay this mediation co over {$3000.00} for an account they bought or I would be taken to civil court. I asked for copy of the letter they claimed they sent me, and they sent email with letter dated the day we talked. I checked all 3 credit reports and have no debt in the name they said. I asked in my return email for details on this debt as I have 30 days to dispute. I received an email back the next day XXXX XXXX XXXX they are forwarding this to the courts and that is where I can see documents.
I have never received any formal debt validation, supporting documentation, or itemized receipts from the company substantiating or verifying the legitimacy of this account. Despite the passage of time, no written evidence has been provided to demonstrate that this debt is valid, accurate, or legally enforceable. As such, I have not been given sufficient documentation to confirm the origin, amount, or authorization of the alleged obligation.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XX/XX/year> XXXX Formal Dispute and Request for Deletion I am disputing the XXXX XXXX account due to violations of federal consumer law. This account has been furnished without required validation disclosures under 12 CFR 1006.34 ( b ) ( 5 ) and without providing a proper opportunity to dispute as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Furnishing this account without lawful authority constitutes misrepresentation under 15 USC 1692e. Under 15 USC 1681e ( b ) and 15 USC 1681s-2, unverifiable accounts must be removed from consumer credit reports.
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding an illegal and predatory installment loan issued to me by Xact ( also reported as CNG/CCBank ). I am a California resident, and the loan issued to me carries an annual percentage rate in excess of 200 %, which violates California consumer lending and usury laws that cap interest rates on consumer loans. Despite the loan being illegal and unenforceable under California law, the lender continued to collect payments. A significant portion of my payments was applied to interest rather than principal, resulting in little to no reduction of the balance. As a result, I ultimately owed more than the amount originally borrowed, even after making multiple payments. When I disputed the legality of the loan and ceased further payments, Xact/XXXX reported a derogatory tradeline to the credit reporting agencies.…
b"I got a call from XXXX XXXX XXXX court stating they will have a summons from XXXX\nand XXXX. I reached Kane and goodman and they stated I have a loan from XXXX loan XXXX from check n'\ngo. I have reviewed my documents and see no history of a loan from this company. I called XXXX and XXXX at XXXX XXXX. I have officially made a fraud dispute on check n go website which is attached. Further they do not serve the\nstate of New Jersey so getting a loan from them would not be possible. XXXX XXXX stated case number is XXXX. I have yet to be served by anyone. However they have threaten to serve me at my place of work which would\nbe an issue. I have never got a email, mail, or call about any loan or debt until a notification from the court.\n\nI have made a submission with my local police department mount laurel as well. Citizen Report Submit Date : XXXX Citizen Report ID: XXXX"
XX/XX/XXXX call XXXX. Caller ID -Account Services. XXXX I spoke to started going on about a debt from check & go. That I owed XXXX XXXX Told him I had spoken to someone in a so called law office about this over a yr ago. That I didn't recall owing this money. Caller XXXX XXXX was very rude then. Told me to hush at one point. Told me " You borrowed money and didn't pay it back '' ( with attitude ). Said " Maybe you should talk to XXXX, XXXX or XXXX about this loan ''. XXXX is my dead father ( pasted XX/XX/XXXX ). XXXX is my XXXXXXXX XXXX old grandmother ( who as of XX/XX/XXXX, yesterday is in the hospital ). And XXXX is my ex-wife, who I * was a victim of domestic XXXX XXXX ago. That was extremely hurtful and unnecessary. When I tried calling back twice to the number. A person answered saying I had reach transportation co. I get multiple calls a day. For over a yr now. More then a yr ago. Someone called me with a local area code. They told me they where court possessing person.…
AXCSSFN/CNGO is falsely reporting on my credit. I have never had any accounts with them. Per my research AXCSSFN/CNGO is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
b'I am in Tennessee. \nFor the past month, I have been receiving automated, recorded phone calls stating they are with XXXX XXXX" and are calling about a matter in their office and to press 1 to speak to an agent, or to call XXXX to speak to an agent. \nWhen I press 1, I am disconnected from the call. \nWhen I call XXXX it rings twice and then I\'m disconnected. \nThe calls always come from a different phone number and area code. \nThe phone numbers have been:\XXXX XXXXnthey leave the same recording on voicemail if I don\'t answer. \n\nI called the actual XXXX XXXX XXXXustomer support number and they confirmed there is no open account in my name.\n\nToday I got a call from an actual person from XXXX They said they were with XXXX XXXX and the matter was transferred to them from XXXX XXXX XXXX. They listed out payment options foXXXX XXXX XXXX supposedly owe, and when I asked for documentation, they hastily said it would be done in court and they hung up.…
I am filing a complaint against XXXX XXXX XXXXXact regarding failure to process a hardship accommodation request for an installment loan. I experienced a temporary financial hardship due to reduced household income and increased housing expenses. I contacted Xact in writing multiple times beginning in XX/XX/year>XXXX to request a temporary administrative hold, hardship accommodation review, and eventual re-age so the account would not charge off. I explicitly communicated that I am not refusing to pay and I intend to resume payments once the hardship period resolves. Xact has not responded with any servicing review, loss mitigation options, forbearance options, re-age options, or a designated hardship contact. Instead, correspondence has routed through the collections channel with demands for immediate cure or settlement.…
I am writing to formally dispute the inaccurate, incomplete, unverifiable, and illegal information on my consumer credit file, which is held by your agency. This letter provides legal notice under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a, 1681b, 1681e ( b ), and 1681i, that the following items are being contested in their entirety. This letter provides legal notice under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a, 1681b, 1681e ( b ), and 1681i, that the following items are being contested in their entirety. As per 15 U.S.C. 1681i ( a ) ( 6 ) and 1681i ( a ) ( 7 ), if you claim the disputed information has been validated, I demand : The name, address, and phone number of each contactable furnisher. The specific type of verification utilized. Documents relied on include, but are not limited to : A signed consumer agreement with my signature, Proof of valid assignment or ownership and A full payment history.…
XXXX XXXX called saying she was from XXXX XXXX XXXX XXXX. Phone number ( XXXX ) XXXX. She she was a collection agents attorney. Was trying collect a debt over 20 years ago. I thought it was legit because they told me if I didn't pay, they will take me to court and I would have to pay their legal fees, plus the {$710.00} which is now {$1900.00}. They already had my contact information including last 4 of my son. I paid {$270.00}, but then thought about. I never had a collection notice about payday loan in the past. So I called my credit card company and stopped the transaction and requested a new card. The credit card company is doing an investigation. I also looked up this company ( after the scam ), and found out they aren't a real law firm and are based out of North Carolina and South Carolina. The page that came up said " SCAM '' with the name XXXX XXXX XXXX XXXX GCS. The email is XXXX XXXX XXXX.…
I took out a loan with XXXX XXXX XXXX I was not informed at the beginning of the loan that 298 % XXXX is not normal and I've been struggling with it I've had a refinance multiple times just to keep up with it it's gotten to a point where I just can not continue to pay them anymore and I've tried reworking it out with them to get a lower XXXX and they're fighting me every step of the way for the amount I took out I took out a XXXX {$1000.00} loan with the amount of times I had to refinance it XXXX XXXX to XXXX XXXX and they're threatening my credit if I don't pay them
Civil Processing Administration contacted my brother and stated that I had committed " financial fraud ''. This disclosure was made to a third party and falsely implied criminal conduct. As of a result of this alarming communication, I contacted the company. The company then alleged that I owed {$2400.00} to XXXX XXXX XXXX. I have no knowledge of this debt and advised them to send me a validation letter pursuant to the Fair Debt Collection Practices Act. Instead, they sent a collection letter via email demanding immediate payment and threatening me with legal action. A representative, XXXX XXXX, stated that the company was filing a lawsuit against me in XXXX XXXX, WA. No lawsuit has been filed, no court documents were served, and no case number or jurisdictional filing information was provided. The emailed letter contained no documentation validating the debt and no proof of authority to collect or sue me in the state of Washington.…
I received a call from someone who goes by the name of XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX regarding owing a past debt to a payday loan " XXXX XXXX XXXX '' with a original balance of {$600.00} and a debt payment plan with an amount of {$960.00} that include fees. XXXX says that I will be taken to court, my wages will be garnished, and my taxes will be withheld.
I am submitting this complaint regarding MyXact and Loan Number XXXX due to extreme and documented financial hardship. I currently have zero income, no savings or assets, and no financial support from family or other sources. My employment was involuntarily terminated following unforeseen circumstances, and until those matters are resolved, I have no ability to earn income or make loan payments. I contacted MyXact in good faith to request permanent hardship forgiveness or discharge of the loan, and consideration of reimbursement of payments already made. These requests were supported with documentation and a sworn hardship affidavit explaining that continued repayment is impossible and would cause disproportionate hardship, including inability to meet basic living expenses. MyXact advised that relief may be limited by internal policy, despite the severity of my circumstances. I am requesting CFPB assistance to facilitate a case-specific review and fair resolution.…
CFPB COMPLAINT READY TO SUBMIT Product : Installment Loan Company : Xact / Axcess Financial Services , Inc . Lender : XXXX XXXX XXXX ( XXXX ) Loan Number : XXXX Complaint Description I am submitting this complaint regarding an installment loan originated by XXXX XXXX XXXX and serviced by Xact / Axcess Financial Services. The loan was originated on or about XX/XX/year>, in the principal amount of {$3600.00}. The loan carried an Annual Percentage Rate ( APR ) of 169.15 %, resulting in finance charges totaling {$6100.00} and a total repayment amount of {$9700.00}, nearly three times the amount financed. At the time of origination, my credit score was approximately XXXX, which reflects a fair credit profile. While I understand that higher-risk borrowers may be charged higher interest rates, the cost of this loan was grossly disproportionate to my credit risk and caused significant financial harm.…
I took a payday loan out in XXXXXXXX XXXX XXXX XXXX XXXX In XXXXXXXX I started receiving collection calls and paid the amount they requested which included late fees. I believe this was around {$350.00}. Unfortunately, I dont have proof of payment. I started receiving more collection calls in XXXX through XXXX of XXXX for the same debt. This time, they threatened to sue me for more than {$2000.00}. They called both of my parents and left threatening voicemails to take legal action. I immediately called and I informed them that I already paid it years prior but because I didnt have proof, I was forced to pay it again. This time the settlement amount was {$500.00}, paid in full on XX/XX/XXXX. On XX/XX/XXXX I received ANOTHER call threatening to serve me with legal papers this upcoming Wednesday for the same debt that I no longer owe. The threats alone would make any normal person feel forced to hurry and pay whatever amount they are asking for.…
I reached out to a XXXX id XXXX XXXXXXXX the rep did state they were aware of my XXXX XXXX filing. I informed these people of my filing of XXXX XXXX bankruptcy and the representative stated they are going to take me to court and sue me and I asked for no more calls and the rep stated she is going to continue to call me and I told her the bill for check & Go in submitted in my XXXX XXXX. She asked if I can pay the bill and I feel like this is total violation of FDCPA.
I received a call from XXXX and was left a voicemail from trip with XXXX I need to speak with ( government name ) or their personal representation regarding a time sensitive matter. I need to call back XXXX. XXXX by the end of the business day today. Trip also called my mother and said they were looking for ( government name ) to resolve a debt. This is illegal nor should this person be leaving voicemails with my full government name saying to are looking to resolve a debt. Trip then told be the debt was $ XXXX and said the debt could be brought down to $ XXXX and any payments made would be subject to a {$11.00} processing fee due to the state I live in. The payments they mentioned would bring the final amount to {$1700.00} not the {$1100.00} that it could be brought down to. Do not give out false information.
I did not apply or receive this loan. This is a payday loan from XXXX. Loan from XXXX. They said they have my signature and social security number. This is the XXXX time I have been a victim of identity theft and fraud. I did not apply for this loan, this is identity theft and fraud. I will not pay this loan. They want me to pay {$1400.00}. I disputed this loan. I filed with Social Security to put an alert on SS Number, have a freeze on all XXXX credit report agencies, and credit monitor. File a police report with XXXX, Oh police.
XXXX XXXX XX/XX/year> A lady named XXXX who I was working with about a month a half ago called to collect money for a debt my husband owes. I advised her we can not pay that's why the card used was declined. Asked if there is a way we can set up an arrangement again and she said no. She is very rude as well as almost every other person you speak with there. She threatened that they will pursue and my husbands account will be sent to the law office of XXXX XXXX XXXX and brought up personal info about my husband. She said they did a " serious investigation '' on my husbands social security and his XXXX as an XXXX. She also stated that she knows we lived on Guam and my husband used to be a XXXX for Guam and that they have contacted the Government. Which is really terrifying and we fear for our lives that this debt collector is " investigation his social security '' I got angry and told them they can not be doing that and she cut me off and hung up.…
3 years ago I lost my job due to surgeries XXXX XXXX XXXX I have spoken with XXXX XXXX XXXX and told them I had lost my job and I can pay what I can I was told from XXXX XXXX XXXX that they cant take partial payments only what is due for the following monthly bills. There was nothing else I could have done because at the time I was getting short term Disibility of XXXX every month. Since 2024 XXXX XXXX XXXX have been calling harassing my wife and I and treating to come to our home and they was sending us to court this been going on since 2024, so yes I did call the police to see if we can keep getting threatened like this and police officer told me until a cop come and serve papers there is nothing to worry about but XXXX XXXX XXXX should not be harassing anyone because they cant pay off or on there debt.
I am filing a complaint regarding my installment loan with XXXX XXXX XXXX ( XXXX # XXXX ). There are multiple issues involving incorrect payoff calculations, undisclosed interest charges, and conflicting explanations from customer service versus the in-store staff. XXXX. Payoff amounts are not matching my payments My biweekly payment is {$300.00}. On XX/XX/XXXX, payoff was {$2100.00} After my payment, payoff on XX/XX/XXXX became {$1900.00} The payoff only dropped {$260.00}, not {$300.00} {$41.00} is unaccounted for Then : On XX/XX/XXXX, payoff was {$1900.00} After another payment, payoff on XX/XX/XXXX was {$1800.00} The payoff only dropped {$95.00} {$200.00} from my payment is unaccounted for These discrepancies can not be explained by normal daily interest. The numbers do not follow any consistent, legal, or transparent amortization pattern. XXXX. My due date was changed, but I was not given any disclosure about increased interest XXXX XXXX XXXX changed my payment due date.…
XXXX XXXX is harassing my family and I on behalf of unknown client. She refuses to give me any information about said debt and used disrespectful language over the phone. If she is calling to negotiate terms for a client Im sure she is ineffective with such a nasty attitude. She hung up the phone in my face stating when youre ready to have a grown woman conversation call me back. When I simply asked her who the client was in question. I truly appreciate the person at the company that helped me resolve the debt with such professionalism. XXXX not the first to complain about XXXX and XXXX sure I wont be the last with such ghetto telephone etiquette. Youre truly doing your client a disservice.
I was sent a letter from Xact loan stating that I was approved for a loan of {$2500.00} so I accepted the loan however they then turned around and said you owe us {$7800.00} and I noticed the credit score on the paper was wrong so I started looking further into this company this company is running a scam it has a class action lawsuit against them for using illegal interest rates and using a robotic bank system
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