Consumer complaint received 2021-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received emails and calls regarding unpaid Check 'n Go loan. I was told it is going to court. I had told the representative I had paid in XXXX. There was no record of the payment. I think I had been a subject of a fraud. I called Check 'n Go. The debt had not been paid. They gave me the phone number of the correct collection agency. I left a message. Also, Check 'n Go stated they are not a subsidiary of XXXX XXXX. I called XXXX  XXXX  and it had been paid. 

The group that called me today seems to be legitimate. I was worried because the debt collector said the same things as the previous callers I had paid. I will send an email after you pay. You have to pay today or you will owe more money. Now, almost {$2000.00}. 
XXXX XXXX Service Department of payday Loan DUE AMOUNT- {$890.00} LOAN COMPANY/LENDER XXXX  XXXX  Payday Loan Services Case Number # XXXX Case Consult Operator : Attorney XXXX XXXX XXXX XXXX XXXX TX. 
Contact at : XXXX We are hereby to inform you that you are going to be legally prosecuted in the XXXX House within a couple of days. 
So before something goes wrong we would like to notify you about this matter. It seems apparent that you had chosen to ignore all our efforts to contact you in order to resolve your debt with your XXXX XXXX. At this point, you had made your intentions clear and leave us no choice but to protect our interest in this matter. 

XXXX XXXX XXXX XXXX HAS STATED XXXX SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( XXXX ) VIOLATION OF FEDERAL BANKING REGULATION ( XXXX ) COLLATERAL CHECK FRAUD ( XXXX ) THEFT BY DECEPTION ( XXXX ) ELECTRONIC FUND TRANSFER If we do not hear from you within XXXX hours of the date of this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition, we reserve the right to seek recovery for the balance due, as well as legal fees and any court costs incurred. 

Basically all the loan companies working under XXXX XXXX XXXX are ( Cash XXXX XXXX, XXXX XXXX XXXX, Cash Advance, Check 'n Go, XXXX XXXX, XXXX XXXX, Check Into Cash, Title XXXX, 100 Days, XXXX XXXX XXXX, Cash Advance, 100 Day Loan, Net loan XXXX, Fax free Cash, Payday XXXX, XXXX XXXX Money tree, Egg loans, Check cash Loan, Quickly Payday, Personal Cash Advance, XXXX XXXX, XXXX Payday, Speedy Cash, My Cash Now, National Payday, Cash Central Loans, Cash Net XXXX, XXXX XXXX XXXX, XXXX Cash, Super Pawn, Check into Cash, Check Smart, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Cash land, Super Pawn, Cash XXXX Payday Advance ) So, it doesnt matter from which website or from which store you took out this loan main lender have a rights that they can file complaints and recover outstanding balance in the courthouse. 
WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FTC & YOUR EMPLOYER AND BANK ABOUT THIS FRAUD. 

As we have shared with you in previous letters, read your loan agreement ; the next step is clearly defined. It could cost us both a great deal of time and money ; you can avoid this by taking care of this now. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 

If you do not take immediate action : We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$3600.00} and will be totally levied upon you and that would be excluding your attorney charges and the due amount pending on your name. 

We have settlement amount for you with easy Biweekly and onetime settlement amount option. 

XXXX. If you can make a one-time payment of {$750.00} ( same day payment ) we can close your case file with this amount only. 
XXXX. If you are looking for bi-weekly payment then you have to pay the total amount of {$890.00} with payment arrangement and you can pay {$150.00} bi-weekly till paid in full. 

Kindly let us know what type of payment arrangement you are looking for at XXXX XXXX provide us with the date on which you can pay so that we can update your account. 

Kindly let us know are you willing to resolve this matter out of the courthouse or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out. 
Note : This is your last and final chance to settle this case. 

Else we are going to transfer your file to the legal department to download the case against you and you will receive the court summons at your doorstep within XXXX working days. Kindly hire an attorney. 

Do revert us ASAP to stop all legal consequences against your XXXX and XXXX. 

NOTE : THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS. 
Kindly let us know what type of payment arrangement you are looking for at XXXX Regards, XXXX XXXX XXXX XXXX XXXX. 
Copyright XXXX ACE Legal Group of Attorneys | Privacy | Terms of use | XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Speedy cash Service Department of payday Loan DUE AMOUNT- {$900.00} LOAN COMPANY/LENDER Speedy cash Payday Loan Services Case Number # XXXX Case Consult Operator : Attorney XXXX XXXX XXXX XXXX XXXX TX. 
Contact at : mailto : XXXX We are hereby to inform you that you are going to be legally prosecuted in the XXXX House within couple of days. 
So before something goes wrong we would like to notify you about this matter. It seems apparent that you had chosen to ignore all our efforts to contact you in order to resolve your debt with your XXXX XXXX. At this point you had made your intentions clear and leave us no choice but to protect our interest in this matter. 

XXXX XXXX XXXX XXXX HAS STATED XXXX SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( XXXX ) VIOLATION OF FEDERAL BANKING REGULATION ( XXXX ) COLLATERAL CHECK FRAUD ( XXXX ) THEFT BY DECEPTION ( XXXX ) ELECTRONIC FUND TRANSFER If we do not hear from you within XXXX hours of the date on this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred. 

Basically all the loan companies working under XXXX XXXX XXXX are ( Cash XXXX XXXX, XXXX XXXX XXXX, Cash Advance, Check 'n Go, XXXX XXXX, XXXX XXXX, Check Into Cash, Title XXXX, 100 Days, XXXX XXXX XXXX, Cash Advance, 100 Day Loan, Net loan XXXX, Fax free Cash, Payday XXXX, XXXX XXXX Money tree, Egg loans, Check cash Loan, Quickly Payday, Personal Cash Advance, XXXX XXXX, XXXX Payday, Speedy Cash, My Cash Now, National Payday, Cash Central Loans, Cash Net XXXX, XXXX XXXX XXXX, XXXX Cash, Super Pawn, Check into Cash, Check Smart, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Cash land, Super Pawn, Cash XXXX Payday Advance ) So, it doesnt matter from which website or from which store you taken out this loan main lender have a rights that they can file complain and recover outstanding balance in the XXXX house. 

WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FTC & YOUR EMPLOYER AND BANK ABOUT THIS FRAUD. 

As we have shared with you in previous letters, read your loan agreement ; the next step is clearly defined. It could cost us both a great deal of time and money ; you can avoid this by taking care of this now. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action If you do not take immediate action : We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer and your references regarding this issue and the law suit will be the next step which will be amounting to {$3600.00} and will be totally levied upon you and that would be excluding your attorney charges and the due amount pending on your name. 

We have settlement amount for you with easy Biweekly and onetime settlement amount option. 

XXXX. If you can make onetime payment of {$750.00} ( same day payment ) we can close your case file with this amount only. 
XXXX. If you are looking for bi-weekly payment then you have to pay total amount of {$900.00} with payment arrangement and you can pay {$150.00} bi-weekly till paid in full. 
Kindly let us know what type of payment arrangement you are looking for at mailto : XXXX XXXX provide us with the date on which you can pay so that we can update your account. 

Kindly let us know are you willing to resolve this matter out of the court house or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out. 
Note : This is your last and final chance to settle this case. 

Else we are going to transfer your file to the legal department to download the case against you and you will receive the court summons at your door step within XXXX working days. Kindly hire an attorney. 

Do revert us ASAP to stop all legal consequences against your XXXX and XXXX. 

NOTE : THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS. 
Kindly let us know what type of payment arrangement you are looking for at : mailto : XXXX Regards, XXXX XXXX XXXX XXXX XXXX. 
Copyright XXXX ACE Legal Group of Attorneys | Privacy | Terms of use | XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT XXXX XXXX XXXX XXXX WARRANT To : Any authorized law enforcement XXXX An application by a federal law enforcement XXXX or an attorney for the government request to arrest. 



The Legal charges pressed against you are : XXXX. Violation of federal banking regulation act XXXX ( C ) XXXX. Collateral check fraud XXXX. Theft by deception ( XXXX XXXX XXXX ) This carries a maximum sentence of 10 years of prison and a fine up to {$50000.00}. 

YOU CAN APPLY FOR AN OUT OF COURT RESOLVE OPTION ( OOCR ) : All you do is email us back for taking care of this matter outside the XXXX house. 


PS. If you fail to respond us ASAP, this XXXX XXXX will be activated. You will be Entitled for an OOCR, so please EMAIL us back ASAP. 



If you pay just XXXX, we will stop this action immediately. 



By requesting an offer in compromise, but if you fail to do that then we shall start the process of pressing those charges against you. 


Attorney Department for XXXX XXXX and Bank XXXX .... 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Copyright ( c ) XXXX | Privacy ....

Company response to consumer: Closed with explanation