Consumer complaint received 2017-05-22
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Last year I h ad a loan trough Check N Go . I made my payments on time every month. Then one day in   XXXX    2016   XXXX   Check N Go  employees decided that they would draft money from my checking account 3 times in 3 days without my permission. There was money drafted on   XX/XX/XXXX   as my scheduled payment by employee  XXXX . Then that same day employee  XXXX  withdrew another payment of {$180.00}. If that was n't bad enough, employee  XXXX  withdrew yet another {$180.00}. This obviously did n't go too well for me and my bank account.     Immediately upon finding out that my bank account had over drafted and had fees charged to me, I called my bank to ask them why. My bank told me that Chec k N Go  had drafted my account 3 times. I ran as fast as I could to  Check N G o and started asking questions. At first I was told that I needed to talk to my bank so they could reimburse me my money back. I was n't happy about it but I went back to my bank and spoke with  XXXX   XXXX . He told me that there was nothing that the bank could do because Check  N Go  had authorization to draft from my account. I explained to him that they did n't have authorization to draft 3 times in 3 days. I explained to him that if they looked at my banking history they would see that only 1 payment a month for the exact same amount was drafted from my bank account every month for the la  st 8 months prior. I was still told nothing could be done. Obviously I was upset but I decided to go back to Check N Go.
I went back to Check N Go and demanded to speak to someone with authority. I was not going to allow them to cause me fees and ruin my credibility for something I did n't do. I finally spoke to a manager   named  XXXX . She admitted to me that what the company had done was wrong. She even admitted to me that the  XXXX  girls that had done the illegal withdrawals were no longer with the company. I asked for their names but she could n't help me with that only that she would provide me documents with their employee ID numbers. She suggested I go back to the bank again to do charge backs and get reimbursed the fees so I went back to  XXXX .     To cut down on time and typing space I went back and forth from  XXXX  to Check  N Go  for various days. I spoke with managers and employees of  XXXX  in different branches named  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . They all told me there was nothing to be done. I finally went back to  Check N Go and was ready to blow up but the supervisor admitted fault and got authorization from the manager  to reimburse me the late fees caused from the overdrafts but not the actual overdraft money. I was told I would still have to fight with my bank for those. I finally said ok. In fact, I continued to pay them in person even after this happened and they had withdrawn additional payments for no reason. I got a receipt showing I paid them on  XX/XX/XXXX . In the end though I was owed money still. Finally after 2 months I get my money back from  XXXX . They decided that this did merit a charge back and they would give me my money back . One would think, " OK problem solved. '' One w ould be wrong.     Once I got my money back from  XXXX , C heck N Go 's   automated system went haywire. It could n't figure out how and when to draft my money. It also could n't figure out what was owed and what was n't as their system attempted to draft money and reimburse it over and over again on the same day. Finally, somehow in the end which I still ca n't figure out how or why they decided to report me 30 days late in   XX/XX/XXXX  and   XX/XX/XXXX . I am beyond outraged! I called and spoke with  Check N Go about this and in the end they admitted fault and decided to settle the remaining loan balance with me because of how  they royally screwed this up and that they would take care of everything. Again I thought the matter was settled. Again it was n't.     I have worked on my credit for the last 9 years making sure th at my history was perfect. Until this, it was. I will present you with a copy of my report that will show you other than this Check N Go, I am immaculate. Believe me when I say that I will not let this stand. If Check N Go does not remove these late payments that stem from their screwed up billing system and their rogue employees trying to draft more money than was allowed I would still have perfect credit. Please help me in making Check N Go fix this late payment before I have to call an attorney and sue them.

Company response to consumer: Closed with explanation