Checksmart
Reviews and Complaints
They won't work with me, they are EVIL!
Beware of these crooks!
Access My Bank Account w/out notification
I have been with this company for over 3 years. Going to them when I needed extra money.
This year has been particularly difficult due to an illness in my family. I was paying them and keeping in touch to let them know when I could pay. The last couple of phone calls the person in collections and their manager yelled and yelled and yelled at me because I was late paying. So I told them payday is in couple of days and I will catch up the $96.63 that is owed on a $396.63 balance.
Now it is 1 day from payday and they accessed my bank account and took the $96.63 without my knowledge. Needless to say, it has thrown my bank account in overdraft. My advice to you is do anything and everything you can not to use this service. I never ducked their phone calls, I always let them know what I could pay and let them know that my family member lives 150 miles away and it has been a life and death situation.
But now it has gotten better and she is healthier but not heal, I will be able to catch on payday, 1 day away.
Again, do not use this service it is ran by ruthless, heartless people, who I hope one day will not need their own service. Remember, their name is also First Virginia.
Your company needs to learn what customer service is
Im just curious
Check Smart won't stop calling "Anonymously"
This Middle Eastern man who only said he was from "Check Smart" and refusing to identify himself after yelling abusively at me because I requested to know who he was and the nature of his business is still calling numerous times a day from an "unknown" number. My phone has the ability to block but log the the calls as they come in.
I've had some serious financial issues as I was homeless for over 2 years and just recently emerged to an apartment of my own but I don't have and haven't had a checking account for many years. I have prepaid legal and I suspect he will start harassing me from other numbers soon.
Checksmart denied that my check cleared and i stood right in front of the lady with my statement
I went to checksmart on Tiffin Avenue in Findlay Ohio at 7:45pm on Thursday August 31st and as soon as Meg the manager looked out and saw me she started cussing and throwing things around because it was getting close to closing time. Then when I went inside to re loan they claimed that my previous check hadnt cleared.
I showed the girl my checking statement and she said that wasnt proof enough!!! Are you freakin kidding me? So if you need a payday loan....GO TO CASHLAND or somewhere you wont get treated like ***!! Meg you will never get my business again.
Sad thing too. I been going there religiously for 2 years!!! Must have been something real good on t.v.
that you didnt wanna miss....some manager. You are ridiculous
Checksmart Overcharged My Account
I took out a loan, and for reasons beyond my control I realized my paycheck wouldn't be in my account on time to cover it. I called to let Checksmart know I would be in to pay my loan with cash the next day.
I paid my loan off in full, and they handed me a receit, no check. I was very uncomfortable with having paid my loan and them still having the check I wrote. Had they taken the time to tell me that I wouldn't be able to get my check back, I definitely wouldn't have paid in cash, but since i di have to pay it off late, I was trying to do the right thing and pay my account asap.
So, of course they "accidentally" send the check through my account as well.
They then inform me that it will take up to 48 hours until my money is returned. In the mean time, I do not have any money to buy gas or food, and I have several other prior transactions come through my account that eventually cause me to overdraw and I am charged banking fees. Checksmart would not help me get my money any faster, even though I made it clear to them that I had 3 children and no money. They also refused to reimburse my overdraft fees caused from their inproperly chraging my account.
Of course, all of this was my fault and if I had more carefully read the 3 front and back pages I signed when taking out my loan, I would have known this could happen. Thanks Checksmart, you have taught me a lesson, and it has cost you my business, and hopefully by reading this, many other's business as well.
First Virginia Payday Loan
Because of a family emergency I had to get a payday loan. Though I already know they are a ripoff I had to do what I had to do.
I received a phone call on Friday saying my payment was due. Since it is easier to pay on the phone then go to the local store I agreed to pay over the amount due(I paid $280). For some reason on the same day they took the initial amount due as well (Amount due was $229). Now we are looking at $500 versus the original amount I agreed to pay.
When I called customer service, they have no record of my $280 payment and sent me to a manager. Now, I can clearly see that my account has two transactions for the same day from these people. When I questioned the manager why they would continue to call and request a payment over the phone if they would take it electronically he accused me of talking over him and tried to cut me off. Anyone has the potential of being rude, especially when involving their money, but I was NOT rude in any since or shape of the word.
Then when I asked for his supervisor I got the 'he's in a meeting' story. Moral of the story, don't agree to make payments over the phone if you are ever so unfortunate to have to deal with a payday loan company. Their customer service department is obviously trained to deal with irate people so that when someone calls and isn't rude, they don't know how to act. First Virginia is the biggest rip off and has the rudest staff imaginable.
Now I have to pay to get my bank statement, go fill out a form at their store, then wait two days for MY money to be returned to me! Did I miss something here?
By the end of the conversation I was so pissed I had to call him a not so nice word and hang up. Somewhere I was really not trying to go.
Checksmart
Just good news for anyone dealing with checksmart, I had a loan with them and they lie. I went to a company called destination debt solutions to resolve my payday issues, as they work with pdls all the time.
Scott called the very first day I was late, and lied thru his eye teeth. He claimed falsely that they do not work with debt settlement companies. I informed him they do and quit the conversation. He began harassing my references, namely daughter and co workers.
I hung tough ignored his calls, reported him to cfsa. The calls were nonstop and I never answered. This continued for a month and 16 days. On 11/16/10 dds and checksmart came to an agreement, much to Scott's dismay.
He proceeded to call all day on the 17th until 5:07pm. At 5:36 the agreement was faxed to checksmart from debt settlement company, and the calls have stopped. So the good news is hang firm hang tough, call them out on the lies, which they are trained to lie. Find a debt consilidator and run from payday loans.
I Can't believe that even after the agreement was signed sealed and delivered Scott still tried to extract payment from me. Hang tough chin up and tell everyone you know about this shady company, I am.
Don't use Checksmart
Checksmart is the most unprofessional company I have ever come into contact with! Their employees are rude and believe that screaming and hanging up the phone in the middle of a conversation is customer service.
I will never go to checksmart and strongly suggest no one else does either.
My experience was with Dan Perry who works for corporate Checksmart. I don't know anyone who works in a corporate enviroment to acts so childish. I have no idea how Dan Perry got this job because he does not deserve it.
At first I felt bad for him because his job has made him so bitter. After being hung up on the second time I realized that he was probably the short/fat kid in high school who still hasn't got over it yet. Dan, I hope years of treating people the way you were treated when you were younger makes you feel better about your shortcomings.
Maybe one day you will grow up!
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If this is one of those payday loan types of places, of course they are going to want their money, when it is due. Just because your hours were cut, doesn't mean they don't want their money.