Consumer complaint received 2016-01-04
Company: CNG FINANCIAL CORPORATION
State: WI
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
I applied for a loan on XX/XX/XXXX. The loan was denied due to an overdrawn checking account with XXXX XXXX XXXX. I received a denial letter while I was at the store from the CSR. I called Check N Go the next morning to see if I could get the loan using a bank account that was in active status.The CSR informed me that there should n't be a problem obtaining a loan because the account was positive. I went in to the store later that morning. The rep did n't have me complete a new application. She just input the XXXX account number in the system. She requested that I have a seat while the application was processing. After processing she called me back to the counter and said oh wow, you were still denied but the computer did n't print the denial letter. She stated maybe I had some medical bills that were keeping me from obtaining the loan. I left the store trusting the CSR without receiving paperwork about the denial. I received a call from the store manager on XX/XX/XXXX asking when I was going to come into the store to make a payment on my loan. I informed her that I did n't have a loan with them. She informed me that she had a denial letter, approval letter and contract! I strongly stated I do not have a loan with your store. She told me she would look into some things we discussed over the phone so I waited about an hour for a call back. I decided to call her and she said I 'm glad you called because the phone number you gave us is no longer active. I asked her if she still thinks it 's a coincidence that both the checking account number and the cell number are entered in the system incorrectly. I asked her how much is the loan I supposedly received from you all and she said XXXX! I asked her to contact the general manager and inform him I would like to hear from him directly. He called and discussed the matter with me later in the day. He indicated they would have the risk management team get involved with this matter and he would call me within the next day or two. I did n't receive a call back so I gave him a call on XX/XX/XXXX and he indicated it was indeed fraud that the associate I worked with would be dealt with for this fraud. I asked him what did they do to her regarding this matter and he said he ca n't discuss it with me due to the legal issues. He said they paid off the loan in the amount of {$3300.00} and reported it to XXXX. He informed me that it 's like this never happened! He said they do background checks but sometimes things slip through the cracks. I do n't feel comfortable knowing the store has my personal information with a CSR that is a thief. I requested a copy of my file from the General Manager and he indicated he would need to contact the loss prevention department. He said he does n't feel like I have anything to worry about because she was probably just trying to get some quick cash! They have access to my social security number, XXXX bank accounts, my photo id, paystubs, my address, my place of employment. They have practically my livelihood. This is ridiculous consumers trust these people to be law abiding citizens. The information they have is too sensitive. I do not feel comfortable at all about this situation.

Company response to consumer: Closed with explanation