Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CHECKredi of Kentucky, LLC
State: MA

Complaint narrative:
On XX/XX/XXXX I am filing this complaint because of the way CHECKredi handled my account. From the very beginning, their approach has been heartless, dismissive, and completely focused on money rather than treating people fairly. 

I contacted CHECKredi in good faith to resolve this matter, but the representative I first spoke with was extremely rude and would not even allow me to explain my situation. Instead of showing basic professionalism or courtesy, they dismissed me and rushed my account into collections in less than a week. This was not only unreasonable but also deeply inconsiderate. 

I have always understood that the customer should be given a chance to resolve an issue before being penalized. Instead, CHECKredi chose not to work with me, making it clear they care only about fees and collectionsnot people. Their conduct shows no empathy or flexibility, and it left me feeling that they deliberately ignored my efforts to make things right. 

Dear XXXX, Thank you for your response. While I understand your explanation regarding the return fee, I am deeply disappointed that this matter was allowed to escalate to debt collection so quickly. The way this was handled shows little regard for the stress, frustration, and inconvenience imposed on a customer, people who trusted your company and expected fair and impartial treatment. 



What could have been resolved with understanding and simple communication has instead caused unnecessary worry and distress. It is disheartening to feel that the focus was placed solely on financial collection rather than on people and fairness. 



I will be following up directly with XXXX XXXX corporate management to ensure this matter receives proper attention, and I sincerely hope it prompts a review of how customers are treated in situations like this. 



Sincerely, XXXX XXXX On XX/XX/XXXX, at XXXX, XXXX wrote : I apologize but the fees are not waived unless the return was due to an error of our merchant or fraud. The return fee is agreed to in the terms and conditions of the account, is assessed per returned item and the fee amount is based solely upon the state allotted return fee, not the amount of the transaction or purchase history. Also please remember these transactions are processed as ACH items which are essentially electronic checks, they may take a few days to complete the banking process. I hope this information helps you to better understand the transaction process and prevent any other returns. 

To set up a payment for a specific date in the future, you will need to call our office at the number XXXX and speak with an agent or press option 1 and enter your date of birth ( MM/DD/YYYY ) to make an immediate payment. You can also make payment online at XXXX XXXX XXXX, your reference number is XXXX and the balance due is {$70.00}. If you do not call to schedule a payment, it will be randomly resubmitted to your account soon. 


This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 
XXXX XXXX XXXX Phone XXXX XXXX Fax : XXXX XXXX From : XXXX XXXX ' via customerservice alias XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX  To : XXXX Subject : Request for Courtesy Waiver of Returned Payment Fee Dear CHECKredi Customer Service , I am writing regarding a {$25.00} returned payment fee on my XXXX XXXX account for the payment dated XX/XX/XXXX. 



I have been a loyal XXXX XXXX XXXX customer, and this is the first time I have ever had a payment issue. I work XXXX hours a week, support my children, and live paycheck to paycheck, so unexpected fees like this create a real financial strain. 



I am willing to pay the original amount of {$45.00} without any issue, but the {$25.00} first-time fee seems excessive, and I am genuinely disappointed that it was assessed. I am kindly requesting a one-time courtesy waiver of this fee. Removing it would be a tremendous help, and I would greatly appreciate your understanding and support. I truly value XXXX XXXX XXXX and hope to continue as a loyal, responsible customer. 



Thank you very much for your time, consideration, and understanding. I sincerely appreciate your assistance in resolving this matter. 



Sincerely, XXXX XXXX Their actions have caused me unnecessary stress, harmed my credit, and made me feel devalued as a consumer. I am asking the CFPB to hold CHECKredi accountable for these unfair and predatory practices and to require them to : Correct or remove negative reporting related to this issue, Stop prioritizing collections over reasonable customer service, and Provide a fair opportunity to resolve this account without excessive fees. 

Consumers deserve to be treated with dignity and fairness, not pushed into collections immediately for profit. CHECKredi has shown they lack both compassion and accountability This was a transaction on XX/XX/XXXX. Not even a week! 

Here are some emails

Company response to consumer: Closed with explanation