Consumer complaint received 2015-03-24
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
Several of the categories above apply : - Fraudulent loan documentation- Did not request nor receive any money from Check N Go- I am being pursued for a debt I made no authorization for, and this is the second debt collector to attempt collectionQuick SummaryI was contacted via mail XXXX XXXX by XXXX XXXX XXXX XXXX of XXXX Ohio regarding an outstanding balance of XXXX dollars for a cash advance loan made with Check N Go XXXX XXXX, XXXX. The advance including interest totalled XXXX dollars. I could not reach XXXX XXXX or Check N Go by telephone, and did attempt to communicate via their websites, to notify them that their information was incorrect, and I had made no such loan, received no funding from them. Fundamentally, I did not make this loan, and I will not pay any amount on this fraudulent claim. 

I was contacted by a lawyer XXXX XXXX, XXXX XXXX, XXXX he asked me several questions and concluded that that Check N Go was in error, and agreed to forward documentation that I had not successfully secured from Check N Go nor XXXX XXXX XXXX XXXX. 

The documentation provided me XXXX XXXX XXXX was a validation of debt, no substantiation of their claim. Another mailing provided documentation for the loan origination, the payment attempts and esignature. In reviewing the documentation, the only correct information they demonstrated was my home address. The documents received reflect the following errors : no signature on file from me ; incorrect email for me ; incorrect phone numbers for work and home ; name indicated as last name XXXX, first name XXXX ; incorrect bank account and routing number. 

In addition to having notified Check N Go, I have filed the following complaints : - XXXX XXXX XXXX, California State Attorney General and the State of California XXXX XXXX XXXX. I received the following responses : -- XXXX XXXX, XXXX XXXX XXXX XXXX XXXX for the Office of the Attorney General/Dept of XXXX indicating the correct agency was the XXXX -- XXXX XXXX, XXXX reference XXXX Communication from XXXX XXXX XXXX XXXX referring my to the Office of the Attorney General, indicating that the Attorney General would be best suited to address my complaint. 

-- XXXX XXXX, XXXX XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX for the Office of the Attorney General indicating that a letter regarding the complaint would be directed to Check N Go, with the hope that would stimulate a satisfactory resolution. 

-- XXXX XXXX, XXXX XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX indicating that the office had secured a statement from Lawyer XXXX. 

On XXXX XXXX, XXXX I was notified the XXXX XXXX XXXX XXXX " XXXX '' was granted collection rights. 

On XXXX XXXX, XXXX I received communication from XXXX of their intention to collect the debt. 

On XXXX XXXX, XXXX, I wrote RTR and summarized the situation, noting the communication and complaints, and that I was updating my complaints with the Department of Justice, State Attorney General and the Department of Business Oversight. 

On XXXX XXXX, XXXX, XXXX informed me that they were in the process of service releasing my account back to Check N Go. Authored by a research analyst, I assume that they are not able to substantiate the Check N Go claim. 

I am in process of writing Check N Go and will use the information provided here to further understanding of my case. Ultimately I want them to admit error, and discontinue pursuing me or I will be forced to protect myself in a more formal, legal manner. I expect this will be completely resolved without any affect to my credit score or credit history with your further investigation. 

Thank you, Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation