Consumer complaint received 2016-08-19
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: CNG FINANCIAL CORPORATION (IA)

I took out a Payday loan out from Check 'n Go located on XXXX XXXX XXXX, IA XXXX on about XXXX XXXX, XXXX. The Loan was for the amount of {$400.00} and the repayment amount was {$450.00}. I was supposed to repay the loan by XXXX XXXX, XXXX and was supposed to receive a courtesy reminder at XXXX that evening to make sure that I was going to make it in by the time they closed that evening. Per the agreement Check 'n Go was supposed to cash a check of {$450.00} into my XXXX XXXX account if I did not make it in and pay them back by the time they closed on XXXX XXXX, XXXX. Almost every day since the third I have received harassing phone calls from XXXX ( Store Manager ) or one of her employees demanding payment. The phone number in which these calls are coming from is XXXX. After about 3 days of harassing phone calls and dealing with extremely rude employees, I finally contacted XXXX and notify her that she needed to cash the check and acquire payment via that means. The check was finally cashed into my account that evening which was about XXXX XXXX, XXXX. Bank Statement indicates that Check # XXXX was posted and on XXXX XXXX an overdraft fee was assessed to the account for Check # XXXX posted on XXXX XXXX, XXXX as payment was sent and received by Check and Go. An image of the check is available online as cashed with XXXX XXXX. I have received calls with no voicemail following even this. I left a voicemail with the store demanding that they cease and desist all communication with me and my references as it is harassment. I received 2 more calls back to back yesterday morning XXXX XXXX, XXXX with no voicemails I called the store and reiterated what I said and they demanded that I bring in proof that they have been payed as their system shows that they have not been payed. They continue to tell me that by signing the form that I agreed to allow them to continue harassing me and my references until they receive payment. This is not true in the slightest and those references should have been contacted prior to lending to me. I brought this fact up and was rudely told that it does n't even make sense to contact references before lending and that they could n't even think of how that made sense. This is definitely a case where people working at this location definitely do not know how to loan and collect debts in accordance with the law. The website has a toll free number but that toll free number will only transfer you to the nearest store in your area. There is no way to file a complaint with the company itself and when I asked XXXX for her supervisor she insisted that the only way to contact them is to provide feedback on there website. As of today XXXX XXXX, XXXX Check 'n Go has allegedly not received payment and has tried to intimidate me on several occasions into not filing a complaint or seeking legal action by even accusing me of threatening them with legal action and acting like the recorded calls can be used to bring criminal sanctions against me for my threats of legal action and XXXX has even accused me of harassing her and her company in an attempt to convince me that it is perfectly legal for them to do what they are doing and that it is me who is breaking the law,