So let me tell you my adventures in failure this week, well at least today. Earlier this month I got one of those payday loans online with a company other than Amscot (Amscot has been great, I just don’t have physical checks to give them anymore so I tried an alternative). The actual loan app was fine. I should have gone somewhere else when their online and brick and mortar stores were completely different and blind to each other, it would have made things a lot easier if that were the case. Anyway the 24th was the day to pay the loan back, and stupid me didn’t get enough money in my online payment account on time. So I called them up to see what my options are, and the best I could do was to send a moneygram to them for the full amount, they couldn’t do partial from both, so it was either the payment not go through or be late on rent. I chose late on rent, sent the moneygram their way and ya. Just to find some place that did moneygram and who’s computer system was up, and issues with my phone and being pissed over the whole thing was also an issue. This whole thing has been a pain in the ass from the start. (My phone battery had died from the time I took it off the charger to the time I got to find a place that takes moneygrams about 2 hours. It is having serious hardware issues) Anyway. Fast forward to last night. I tried to get money out of my checking and was denied due to insufficient funds, so I was like what the fuck. I looked into it and found that Check N Go decided to take the funds out of my checking anyway. So I called them up today to find out what is the scoop. They say that they never got the moneygram, I give them the confirm number, not finding payment in system. I then scan and email the moneygram receipt and documentation showing the money was withdrawn from my account, and they don’t believe that it has actually been posted even though the balance is showing negative. They have me three way to the bank, they tell me that the money cleared, I had a positive before, now I am negative and will be charged $25 for the overage. The Check N Go lady seems pissed at this point, tells me she will have to further look into it and hangs up on me. While I am waiting for her to call me back I call Moneygram myself. They are saying that they do not have checkngo in the system at all, couldn’t find it by name, the send code, or the city/state. The moneygram rep promptly refunds my money, gives me the tracking number, says I am good to go to get it and that is that. I send off an email to the lady, tells her what moneygram told me and did, and that I am going to then get the money deposited into savings so I can put it in the online checking to take care of the overdraw they caused, and then get ready for work so I can go get the money. Well getting the money was a hassle because the place I had mapped out to get the money was a machine, it wanted me to call a number to set up an account with them, fuck that. So I try the shady gas station that also takes payments and such, they tell me they don’t do it but CVS and Publix does, awesome, there is a CVS on the way to work. I go to CVS, they say that the number isn’t ready yet, get on the red phone. So I do, it verifies my info and my DL # then I go back to the lady and after she processes it she says oh, by the way your not getting cash, your getting a check. Fuck. Another bullshit thing. So now tomorrow I am going to have to go to the bank, cash in the check, then go to Amscot to get a Money order for rent (I am going to pay rent, that is more important than the overdraw at this point, what is done is done. I don’t want to pay their overdraft and then pay late rent fees on top of that.) and then go from there.
So the moral of the story is fuck Check and Go, they fucking suck, and Moneygram / Western Union are shady too.