Consumer complaint received 2025-08-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG FINANCIAL CORPORATION
State: AL

Complaint narrative:
To Whom It May Concern, Thank you for your response. However, it fails to address the core basis of my dispute, and I feel its important to clarify the following critical points : 1. Failure to Clearly Communicate Account Status Violation The primary issue is that I was not properly or clearly informed about what was going on with my account. At no point did anyone from Check n Go clearly and verbally inform me that my account was at risk of being charged off or about to be sent to collections. This lack of direct and transparent communication is not just a misstepit is a violation of my consumer rights, particularly under standards for fair debt collection and account management practices.

2. Balance Was Never Confirmed Violation You also failed to confirm the final balance with me before sending it to a third-party collections agency. I was not given a written or verbal opportunity to review, question, or validate the amount due. This is another violation of proper debt handling procedures. Debtors have the right to know what is being reported and transferred before a third party is engaged.

3. Incorrect Statement About Payment Promise on XX/XX/XXXX It is inaccurate to say that I told your manager I would make a payment on XX/XX/XXXX. I never committed to that date. I explained that my financial situationcaused by federal benefit cutsmeant I would not receive a full check until XX/XX/XXXX, and that would be the first realistic opportunity to make any payment. Any payment arrangement discussed was dependent on that date, and that should be reflected in your call records. 



XXXX. XXXX XXXX Attempt Due to Closed Bank Account My bank account had already been closed due to financial hardship, so I attempted to pay via XXXX XXXX method available to me at the time. Your systems failure to accept it is not a refusal on my part to pay. It was a sincere effort to resolve the debt, but the limitations of your payment system blocked it.

5. No FCRA Notice Received You claim to have sent a notice on XX/XX/year>, but I never received it. Regardless, you were still required to provide clear, timely notice before or within 30 days of furnishing negative information to credit bureaus. That did not happen in a way that ensured I was informed.

In Summary : Let me be clearthe core of my dispute is this : You failed to notify me directly and clearly about the charge-off or the risk of third-party collection. 
You failed to confirm the final balance with me before sending it out to collections.

Youve misrepresented what was said in conversations, including about a payment I never promised to make. 
I made a good-faith attempt to pay, which was blocked by your systems limitations. 



I remain willing to work toward a resolution, but I expect this dispute to be taken seriously and properly investigated. Please advise on your next steps and whether you will pause further collection activity while this matter is reviewed. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation