Cng Financial Corporation

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

My elderly mother called me today ( XX/XX/XXXX ) asking if I was okay because someone called saying they were from a pre-legal department and that she was my emergency contact. She thought I had been in an auto accident. She provided me with their contact information : XXXX XXXX, XXXX. When I called XXXX, a woman answered the phone stating that it was Baker Credit Management. I was " transferred '' to XXXX XXXX who sounded a lot like the person who answered the phone. She said that her firm was looking for me due to a wage garnishment notice. I asked her for what debt and she claimed I owed {$3500.00} for a payday loan from XXXX through XXXX XXXX XXXX. I told her I have never applied for or received a loan from XXXX XXXX XXXX. I then asked her when was the lawsuit filed and in which court. She responded that the lawsuit paperwork had not been filed but they have a wage garnishment.…

On XX/XX/2026, I sent a formal debt validation letter via certified mail to XXXX XXXX XXXX ( Axcess Financial ). My tracking documentation confirms receipt. Under the FDCPA, the company is required to provide verification of the debt. As of today, XX/XX/2026, more than 30 days have passed and I have received no response, no validation of the debt, and no documentation proving I owe the amount claimed. Despite this failure to validate, the account remains on my credit report. I am requesting that the company cease collection activities and remove the trade line from all credit bureaus immediately due to their failure to comply with federal law. ''

I am a XXXX XXXX consumer submitting a complaint about a high-interest installment loan marketed and serviced by Xact ( Axcess Financial ), but originated by XXXX XXXX XXXX ( XXXX ). The loan carries an APR of approximately 219.40 %. I took out the loan in XXXX of XXXX. Although a bank is named as the lender, the non-bank entity ( Axcess/Xact ) appears to : Market the loan Service the loan Collect payments Since the loans origination, I have paid over {$3000.00}, yet the balance has increased to a current payoff of approximately {$3500.00}, with no apparent reduction in principal. This raises concerns about how payments are applied and whether the loan structure causes ongoing consumer harm. This situation suggests the loan may be part of a rent-a-bank arrangement designed to evade state interest rate limits.…

I applied for a short term loan. Was approved. Never received the funds. They put it in an account thats did not match what I gave them. I talked to them several times and sent them several copies of deposits. I dont know where they sent it but it wasnt to me. If they changed the account or routing number thats not my fault. They have now sent me to collections over money I never received after I proved multiple times I never got any money.

I called XXXX on XX/XX/year> to verify how much my payoff amount is, and the representative I spoke with confirmed that the payoff amount is {$1400.00}. ( I also called about a week before that and got the automated voice that also stated the amount was {$1400.00} as well ). She took my debit card information over the phone and processed the payment. The funds were taken from my account the very next day, XX/XX/year>. They sent an email showing a paid off XXXX balance, but a few days later, they reopened my account, and said I am still owing. No emails or calls were given to state that the account was back open, and that I owed more. ( I called them when I saw they tried to take money out of my account after I received the email saying I paid in full ). I then asked them for a formal explanation of why I still owed after I had just paid off the account, and they filed a claim to investigate what happened.…

I have been receiving calls saying I took out a payday loan from XXXX XXXX XXXX I have explained that I did not do this and that the state I have lived in for over 10 years does not even have a location for XXXX XXXX XXXX. I have asked for the information showing I owed this loan to be sent via mail or email and the company has refused every time. They have been calling me for several months and I can not get any information from them. Every time I ask, they just say if you will just pay {$5000.00} it will go away. I have explained multiple times that I want proof of this loan and I am not going to pay anyone over the phone with no information.

In accordance with 15 USC 1681s-2 ( a ) ( 7 ) the financial institution of XXXX XXXX and CNG partnered with XACT concerning account # XXXX have violated my rights based upon the facts below. I XXXX XXXX did not receive, nor do I recall receiving documentation of notification prior to or after explaining financial hardship status which resulted in a delinquent credit report. In addition in accordance with the fair credit Reporting act the XXXX XXXX or CNG account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for de purpose.

I received a call from a company called XXXX XXXX. They called me from XXXX. I spoke with a man named XXXX XXXX ; he told me the attorney XXXX XXXX will be filing a complaint in court against me to freeze my bank accounts, paycheck, and anything associated with my social security number. He said the client he was collecting for was a company called XXXX XXXX XXXX. I told him I have never had an account with XXXX XXXX XXXX, and I have been getting calls randomly over the last 15 years almost from different collection companies, at least once or twice a year ; and no one can send me any documentation about this alleged loan. He said the loan has a 15 year contract, and they will be filing a civil lawsuit. I told him to not call me and send me any documents via mail. He started to yell and I yelled back for him to not call me anymore ; I have never had a loan with XXXX XXXX XXXX. Then he called me back two more times from XXXX. I have now blocked both numbers.

CFPB Complaint Letter Xact Lending Practices To the Consumer Financial Protection Bureau, I am submitting this complaint regarding the lending practices of Xact, whose interest rate policies, fee structures, and disclosure practices appear to violate the principles of fair, transparent, and responsible lending. Based on my experience, Xact charged extremely high interest rates that made it nearly impossible to reduce the principal balance, even with consistent on time payments. A significant portion of each payment was allocated almost entirely to interest, resulting in minimal or no reduction of the actual loan balance. This structure creates a long term debt trap that is inconsistent with responsible lending standards. In addition, Xact applied unexpected fees that were not clearly disclosed at the time of origination. These fees substantially increased the total repayment amount beyond what any reasonable borrower would anticipate.…

XXXXXXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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.

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.…

b"They said they reached out about a defult on the loan which was not true then had somone reach out aggresively today threatening a lawsuit. They also contacted my mother with the following message: New voicemail from XXXX XXXX (01:37):\n\nGood morning, XXXX. My name is XXXX XXXX and I was giving this number as a contact number for your daughter XXXX. Listen. Can you reach out to her? Please have her contact my office today. I have a client that retained my office last week. It's to represent them in regards to an installment loan. It was issued to her by exact lending in the amount of XXXX that she apparently defaulted on not making any payments to repay back the loan. I'm scheduled to move forward with it Friday morning to seek a Judicial remedy and prior to Bill and her my clients attorney fees in court costs which are almost as much as what she owes. I wanted to talk to her today to see if we can come to another Court settlement on the balance to get it resolved voluntarily.…

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 See previous complaint number above. I'm adding phone numbers to the complaint. The company stated they were Lambert and Lambert. They said they contacted me from XXXX XXXX XXXX They called because they were upset that my credit card did a charge back after my dispute. They threatened to take me to court and send me before a judge because I was committing a Felony. They repeatedly stated the call was being recorded. These are the numbers they used XXXX, and XXXX. My wife called to confront them to find out if it was indeed a scam and they used profanity with her and stated that they would scam our whole family and find out their information.

Dates are included in my photo I just uploaded to you. They've threatened my credit and threatened to take legal action on behalf of XXXX XXXX XXXX. Using t h e last 4 of my social

In XXXX, XXXX, I was given a phone number by my HR where I work and she told me I had better call them because they told her if I didn '' t call, my wages would be garnished. I immediately called them and was told if I could.make payments on debt I owed, the person on his way to deliver court papers to garnish my wages would be stopped and this negative account on my credit report would be removed that day. At this time, the woman I spoke to could not provide me who the original debt was owed to or give me a number to call or a physical address. She told me that they were handling the debt now and the only thing she could give me was my case number.…

The bank name is XXXX XXXX XXXX. It is in XXXX, Utah, and the company name was xact loan They charge me 219 %. I got {$1500.00} from them and I had to pay. {$5400.00}. Installment for 18 months. XXXX

Credit report inaccurate reporting. Debt has been paid and its still a collection owed. It is messing up my Credit report thus disabling me from future positive reporting and tryn to get loans.

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.…