Ingo Money
Reviews and Complaints

I have had nothing but trouble since day one with this so called easy cash your check anywhere no hassle. Just take a picture of the front and back and hit submit. I would rather go and stand in line at the bank. I sent all the documents requested to prove my identity and they approved, however the first check I attempted to cash it said item will not be reviewed please do not resubmit. So then after that happened to me a few times I decided to contact Ingo and I asked why it was made inactive and they said due to the risk associated with my account but they can not give me anymore details about the account closure as that would involve them going into the specifics of their review and security processes. We do wish there was something else that we could do to assist you with getting your account active; however, in this particular situation where the account presents an elevated risk to the company, nothing further can be done to re-open the account. We truly apologize for any inconvenience

I'm a licensed Private Investigator and Ingo had saved me a few times in a pinch, but customer service is horrible and they will close your account for one misunderstanding and will not work with you to resolve the problem. I had cashed few thousand dollars in this application for about a year. All my checks that I cash are good, they come from my clients ranging from company's to individuals. I had a client that need a job to be done asap and was having issues sending me a check from where he at, he sent me a picture of the check and I try to cash it in the application and did. It accepted it so my client got the money to me an other way. They had closed my account cause of the picture of the check I uploaded in the application. This is the first problem I have ever had with them and I explained the situation and they just don't care. They said I'm a risk! I'm a risk a private investigator who has a clean history and I can never get in trouble if I want to keep my license. I think they are very unfair especially when you have cashed the amounts of checks I have.

I was a customer with multiple partners of ingo money for many years and have mobile deposited many checks. I also have worked for ace cash express who sells all the ace and netspend cards that ingo partners with to do the mobile check upload. One year ago I deposited checks from my place of employment never had a issue and than stopped using it due to me getting a bank account. Now a year later here I am due to covid-19 unemployed with unemployment checks that they are just now telling me a year later someone tried uploading a suspicious or questionable check on my account June 24th a year ago! Never heard of this before never got a email, a text, nothing in the mail. Ingo Just canceled my account told me I can never use them again or any of the companies they work with. Companies they work with being all them. PayPal, chime, netspend, ace and many more. They were extremely unprofessional, ghetto and rude. She told me ill never use their service again so maybe I should get up and go to a bank! HORRIBLE HORRIBLE COMPANY. CUSTOMER SERVICE FROM A REPRESENTATIVE AND A SUPERVISOR WAS DISGUSTING! DONT EVER USE THEM!

I wish Oxygen would drop INGO as a service provider... INGO's app instructs customers to endorse their checks a certain way. When we follow the instructions given to us, we're told that those very instructions are wrong and the transaction is declined. After that, they'll hang up on you... knowing that their hold times are over an hour. Even the supervisor at INGO placed me on hold, with no warning and never picked up for over 60 minutes Keep in mind, some of these abuses were witnessed by an Oxygen Representative who was on the line to hear all this.. I have left INGO 1 star detailed reviews on Facebook and google explaining what happened. INGO's customer service representatives made me feel small, powerless, and humiliated. They knew that they had power over me and abused it to the fullest. Forcing me to wait on hold mid sentence deliberately, unnecessarily, and without letting me know. Hanging up on me, knowing that their hold times are over an hour, and speaking down to me, and dehumanizing me. I would also implore Oxygen bank to cease doing business with them DON'T DO BUSNESS WITH INGO, YOU'LL LOSE MONEY, AND THEY'LL LAUGH.

I had a $48 check from a court reporter's office for testifying at a deposition. First tried on PayPal, after taking pictures it said feel free to close the window and we will notify you if we can approve you. So I did but as it was 1:00 in the morning I went to bed. Next day I checked and it said transaction canceled due to inactivity. It seems you have a very short window once they approve it to take another picture with the word void on the check. Nowhere did it say to do this nowhere did it say you had a time limit. So I resubmitted and immediately got a message saying nope can't ever do it again. At least not with that check. Then I thought hey maybe my netspend account has that, I've had this account since 2007. Well they do but guess what it's indigo just like on PayPal so I go ahead and scan it and it says nope you previously submitted this before. Can't cash it but it's still valid. My problem is not with their rules My problem is with their lack of clarity and letting people know that "hey you better not walk away from your phone because when we say approved you got to be ready to pull the trigger or we're never going to cash this check again"

If I could leave 0 stars, I would. I decided to cash my tax refund check to my PayPal account and PayPal directed me to ingo to cash the check. The check was approved and after the approval, I was instructed to write VOID in bold letters on the check and send a picture for the amount to be disbursed to my PayPal account. After destroying the check, it was denied because according to them, the check has expired meanwhile tax refund checks take a year to expire so how on earth has my check passed *** expiration date when I still have at least 6 months before it expires?! I called their customer service line and after being put on hold for 30 minutes I was told that I could only cash checks within 30 days of it's issued date so basically, I have a check that I can't cash and I'll be very lucky if the new check I requested arrives on time or arrives at all. I am deeply upset about this. I need this money right now and this company has messed up my plans. Why instruct me to destroy the check when the check hasn't been fully approved? These financial institutions are so disgusting with their practices. I thought I was in safe hands because I went through PayPal, unfortunately not!

Ingo Money asked for a selfie and, after being hesitant and just sending them a picture of a picture, I decided to send them a selfie via e-mail. They then e-mailed me back claiming I can now deposit checks with them. After trying again via PayPal, I received an error. I contacted them and they told me that I was "high risk" because they couldn't confirm my selfie then escalated my issue. I received another email stating that I can't be their customer due to being high risk. Why did they ask me for a selfie to begin with? How did they decide that due to that selfie that I was high risk? They collected information on me (including SSN) and now have my stored information, including my selfie, likely knowing they wouldn't approve it. This is incredibly questionable at the very least, but I would argue that it could be criminal. To deny someone service, but to ask for their picture anyway obviously has a purpose. Moreover, I asked them what else I could do to confirm my identity over the phone after their second email denying me service and they told me nothing and that I can never use Ingo Money again. PayPal must drop them and create a competitor. I love PayPal, but this shady company must go out of business.

If I could give them 0 stars, I would. I had dealt with them from 9am, and the entire issue, which was not resolved, took until 2:30pm. I tried to use their instant change check feature 3 times, and every time it was denied because they didn't have the check's writer verification confirmation. I found the number for them because their verification team could not do that. By now, it has been the 2nd time the check request had gotten denied. After that, I got the writer of the check (which was customer service representative from the bank where the check had came from), and Ingo customer service still would not process the check. After having me wait the last time called for an hour, I was told that calls can only be 6-7 mins long, and they kept cutting me off all throughout the conversation so calling every time was useless, and every wait time for each of the three calls was about 45-60mins long. After getting off the phone with someone who was supposedly a manager, they denied the request one last time even though I gave them a second contact number and that for sure was the right one. IF YOU CAN GO CHANGE A CHECK SOMEWHERE ELSE, PLEASE DO. DO NOT GIVE YOUR BUSINESS TO THIS COMPANY WHO DOES NOT CARE AT ALL ABOUT THEIR COSTUMERS.

This company is ***. Made an account, got a card to add funds to, tried to cash a check. Nope, got an error saying they cannot cash this specific check, please try another one some other time.
Tried another one some other time, and nope, i got the same error message.
Both checks where personal checks, but both accounts had an enormous amount of money in them, and my $200 checks where good.
Check cashing is a risky business, and anyone whos in the check cashing business knows it.
The fact that this company takes all of our information, takes pictures of our checks, drivers licenses, our social security numbers ect, essentially enough information to identify a person without a doubt, and enough information to hijack our identities and ruin our lives if they feel like it, and then say they cant cash $200 check is asinine.
A company with 1 star with the Complaintsboard.com should not be associated with companies as reputable as paypal, and i doubt you will be forevever.
If you cant hire people to call a bank and see if a check is valid and just deny most of the checks people try to cash you shouldn't be in business, again checkcashing can be risky, automatically denying good checks is why your company is rated so low.
You stole my information with false promises, and im not alone, as far as i can tell you do the same to tens of thousands of users and id like to see a law suit.

I am an Account Now Gold customer, after an email stating that they had opened service for their customers for depositing the Federal Government Stimulus checks I decided to utilize the service. First, I open the account and following the instructions photographed the check front. After several attempts and acceptance of the photo, I shot the back. Then I received an email that there was one more step, and that was to write VOID on the front of the check. I was hesitant about it, but I wrote a Large VOID on the front of the check, took a photo, and then asked to take another and then another until I had at least five. Nothing emailed after that, and I called and placed in a queue recording over and over. Then I went to the web site, talk with a team no pickup. Later I receive an email that my check was not accepted; they have a right not to accept some checks and that I could take the check and cash it later. Not True, I emailed them and told them that the team would help, still no pick up for answers. I contacted the U.S. Treasury Department and returned the check as damaged. I contacted the Federal Trade Department as to Fraud by misleading the bank's customers. I called Meta bank to advise them, and no one there seemed to know about this partnership. I have a letter ready to send to the Attorney General of Georgia. I am now inconvenienced of having to reapply for a $1200 check greatly needed by this company and I would advise people never to write VOID on the front of any checks to this business. They should be investigated. Thank You
*** M.

(this review has no relation to Venmo /PayPal or any other financial entity and is strictly a review for Ingo Money)I've been a customer of Venmo and PayPal since mid 2000's, cashing checks through the Venmo app since 2020. Up until recently my account was flagged as a "risk", and I was unable to cash checks. This all stems from a money order I tried depositing in 2021. Last week, I tried cashing a check and low and behold my account was still flagged as a risk. They refused to open and review my account. When I communicated via email about my concerns, I honestly felt they were treating me differently because I'm white. Feeling belittled, harassed and pushed around because of a financial conflict. My account, my checks, my payroll, my federal funds, were all OK to cash in 2020 and 2021, but now I'm being treated like some third world minority and absolutely disrespected like I don't have any historical financial ties with this company. I've verified my identity more than once, provided all information to ensure positive background checks if needed. But when I needed funds for bills, or unable to cash at other institutions, Ingo left me feeling useless and hopeless. How can my account be perfectly fine to honor checks for 2 years, but then be crumpled into a ball and tossed in a corner. Discrimination at its finest, and it got worse after addressing this via email communications. I noticed the recent update from the company saying they're going to improve to eliminate complaints. That might be true to a very small degree, but they've traded handling complaints with discriminating people because they're white.

if i could give NEGATIVE STARS i would. i used them for the 1st time last week Thursday August 4, 2022 on an account i have had for over 8 *** other account over 14 years. i had no problem. the following day, i had a money order to cash. did the process. then nothing until late that night when I received an email saying:Checks may not be approved for a variety of reasons, including:Check was not endorsed Check images are illegible Check was not written to you as your name appears on your account A properly voided image of the check was not received You may retain this email for your records. I go in to the app which gave a completely different message claiming i had to wait 48 hours. now mind you, their terms and conditions don't differentiate between a money order vs a check much less to say you have a waiting period to cash an m.o.so even though i needed the money, i waited until Monday. 1st the app told me it could not detect my location. then i had to retake the front & back photos at least 4 times then submit, only to get the same message. i called & spoke with *** and she told me the pictures were blurry to try again. i did. then got the same decline message. after 2 more attempts trying to get this done, the person who issued it to me took it back and got a new one in compliance with the litany of reasons why this did not get approved. he got one with my name PRINTED on it . i followed the list of instructions THEY gave as to why it was denied. then they declined it again. i called waited 37 mins & 49 secs only for the rep to pick up & hang up. called again and spoke with *** she said i altered the money order as if i am a thief. they claim they check with issuers of instruments. if they had they would have known it had NOT been cashed. so they closed my Ingo account for following their instructions. their customer service ***. their *** are confusing and deceptive.The app is poorly designed, GUI is glitchy. Disgusted

I was blocked from using their service forever because of a check that had plastic in front of it. They already approved my check and had me write void on it. After I do that they deny the check and block me calling me a risk. Now I have a tax check with void written on it in big black letters that I can't cash. I first emailed them about the problem and they couldn't find my account. So I did the online chat and most of my questions were ignored and I was just told to have a good day. So I called first time being hung up on, second time the woman was extremely rude to me and told me well you had plastic In front of your check who takes a picture that way? I told her I was holding the picture up to a black curtain and that's the only way I could get it with a dark background. I tried a few other times but was just made to retake it. She tells me I'll forward your case and hung up on me. The third time I called the woman was nicer to me than the last. I told her the situation and she said their risk team or whatever it's called said I violated terms and conditions so I'm permanently blocked from using their service. I read terms and conditions completely along with everything else on their website. It doesn't say I can't take a picture that way. I voided out the check and told her I can send you another picture if you need it so you can see my check has been voided like I said. She told me no your account has been closed. She tried to go on and on about terms and conditions when it says nothing about that at all in it. I hope everyone gets to read this before taking their chances with Ingo. They have extremely rude customer service. They will talk down to you if you make it past not being hung up on multiple times. Please at all cost don't so business with them. We are now dealing with covid19 and I'm out of work. That tax check was very much needed for my family now it has been voided and I have to deal with the irs to try and get another one. Who knows how long that process could take trying to get another check. I asked why couldn't I have another chance to take a better picture to show you that check has been voided and I'm just told it doesn't work that way. So please be careful with using their mobile check deposit. They will have you void a check and deny it if it's not taken exactly how they want it. Even though they don't tell you anywhere how exactly it should and shouldn't be. Read the terms and conditions everybody that is not there. Stay safe everyone!

This company cost me money and valuable time!

Its not bad enough I had an item stolen of a fed-ex truck and my company only being reimbursed 1/3 of its value, but to take the check I had sent to me getting destroyed because of Ingo Money, Inc. check cashing.
BEWARE! of this company with it's check cashing and to be deposited into your PayPal.
I tried to cash and deposit my Fed-ex check into my PayPal business account and used Ingo Money, Inc. check cashing.

All I had to do is take the pictures of the Check front and back after signing it and click the send button. After I did this it said they needed more information, such as Pictured I.D., so, I sent my Drivers License Picture, Front and Back, and then it wanted me to take a picture of myself and send it also, so I did that. Ingo Money, Inc. responded they had to verify the information and would get back to me in 24 hours. I waited 24 hours and they got back to me. Here is what they wrote:

QUOTE from email.
_________________________________________________________________________
Hi, ***!

This is Ingo Money Customer Support.

The identity verification process has been finalized, and your account has been activated. You are now ready to get started using the Ingo Money service. Your original check submission was not processed. You may resubmit your check for processing at your earliest convenience.

For answers to frequently asked questions, please visit the Ingo Money FAQs.

The Ingo Money Team

Ref # xxxxxxx
__________________________________________________

After reading this I did what they said and tried to Cash the check again, and after taking the picture of the Check, Front and Back I hit the button to send it and the response was to now use a Black or Purple Pen and write VOID across the front of the Check and send a photo verifying that this had been done, So, I wrote VOID across the Check with a Black Pen and then sent a photo verification. The response I got was: "We can not deposit your check" Then they Locked my verified account saying something about Security issue. I NOW HAVE A VOIDED CHECK FROM FED-EX BECAUSE I FOLLOWED THE INSTRUCTIONS OF Ingo Money, Inc.

I want Ingo Money, Inc. to know I *** never make this mistake to use them again, and I *** never give referral for anyone to use them in the future. This experience has taught me not to trust Ingo Money, Inc.

Now I have to file and get this check replaced.

IF YOU WANT TO LOSE TIME AND MONEY WITH YOUR BUSINESS, CASH CHECKS THROUGH Ingo Money, Inc.

Signed-*** Very Disappointed

I tried to cash a check I received from a major corporation, first through PayPal. When I submitted the PayPal check, i had a notice that said declined, but there was no reason behind it. I thought there was likely something wrong with the app so I tried it several more time throughout the night with PayPal, Ingo and Netspend. I really needed this at the time. I was lucky the check came right when I was in need of the funds in my account, but also when I am under COVID-19 quarantine. I cannot reach a bank nor should I go even if I could. At one point I called Ingo, well twice- and the call disconnected after a 30 minute wait in queue twice. I also emailed and never heard back. So the next day, today I finally get through after another 40 minute hold. I was asked my name, bday, and last 4 of SSN. I explained my situation and said that I could describe the check and maybe that would help clarify why it's rejected. I was told by a customer service CSM that my account was actually closed yesterday because of suspicious activity. I replied that it's probably because I submitted the check so many times (but I never had information or word or pop up that Ingo closed the account-I had no idea). But whatever the case is, it was still rejected from the very beginning. I've used and paid fees for this service before. She would not tell me anything I could do. She said that Ingo will NEVER cash this check. This check is more secured and legitimate than most that they do cash. It's written from a business account of a major bank of a major corporation.. so I'm confused. No resolution was offered there was no other department I could talk to. There was no proof offered I could send. She said that they still have images of my check, and after much pressure on my end, she said she would forward my issue to the verifications department, but that they still won't cash the check she said that. She said Ingo will not cash it, so don't present it again, because there is too much risk. ( the check is from Bank of America, and the account is a national law association) Just so my account can reopen for me to not be able to cash a check when I really need to, but if I can eventually again- pay them a fee as usual. She also said it goes against policy to tell me what the process is for verification, that it goes against policy to reveal the policy. Ingo money is a mess. They are a tech company that uses wfh customer service agents to avoid any accountability for their company when their product fails. They are the check cashing platform for multiple other agencies : PayPal, Netspend etc. so if you are in a situation like me- it's really hard to just find some other more trustworthy platform, because likely their third party service is Ingo.

G'day, I have been using American Express Bluebird card - account - Bill Pay for almost 10 years. Amx uses Ingo Money Services for check cashing. I have been depositing a check each month for the above period of time. NEVER ONCE has a check been declined by the issuing bank. The only time a check gets declined is (1) Blurry Picture/Image, (2) The signature has a "Y" in it and when the person signs the check Sometimes the "Y" will be long enough to intrude with the check number at the bottom of the check. So this year (2020), Ingo has declined checks Two times, stating Ingo "DOES NOT WANT TO TAKE THE RISK" of cashing the check. Ingo puts a hold on the check/money for 10 days, WHAT RISK are they taking? If the check were to come back as INSUFFICIENT FUNDS in the 10 day period, Ingo would NOT fund my Amx Acct. Again, what RISK is Ingo taking? While on hold for no less than 1 hour yesterday 07/02 (Blames Covid 19) waiting for a representative, The automated voice insures that the company Ingo, MAY or WILL contact the Issuing Bank and or the Person that wrote the check. THIS IS UN-TRUE, as I know for a fact the the person that writes the check has never been contacted by a Ingo Representative, I do not know if they have ever contacted the issuing bank. I do know that when Ingo declines the check I deposit the check into a National Brand Bank and the checks have always been credited to my account in 3 or 4 working days (Not 10) and then I have to make multiple transfers over a period of days to Amx to fund that account on my own so I can pay my bills. Ingo yesterday said that they would investigate the issue and call me back, NO CALL back from Ingo. Once Ingo declines a check based on their computer/algorithms, the Do NOT ever reverse their decision, I have ask them to SIMPLY CALL the bank and they DO NOT do that.
It is disappointing that Amx uses this Ingo service, The Amx Bill Pay service has worked prefect for me over the years and all my records are with American Express Bluebird Bill Pay and that is why I have a difficult time leaving them. It is Extremely Stressful each and every month waiting for Ingo's Approval or Decline. A copy of this Review has been sent to Ingo, and Amx. Please be cautious of this company if you need things done in a timely manner.
UPDATE, Corey from Ingo called 07/03, Corey stated the the check was Declined due to "It did not meet INTERNAL Security Measures", He did not answer my question, Did Your Company Call the issuing bank to verify Funds available. He repeated "Did Not Meet Internal Security Measures". I suggested to Corey that the "Internal Security Measures" have a flaw and he/they should have it fixed, and MAYBE a HUMAN could call the issuing bank before they decline a check and create so much Havoc in peoples lives.

Called the customer service number provided. Asked too be called back. Was told that I could retry too cash the check . Because PayPal told me too void the check , it was pending and then said y'all denied check. Then finally talk too a real person and was assured I could cash the check and the money would be deposited into my PayPal account. I keep getting errors. It's $203 the electric company credited back too me. I've cashed one on PayPal before now it's a issue. The check is pointless now I can't take it too a bank and get my money because there's void on the front

I am trying to cash a money order but keep getting error code a10 saying they are closing my account due to exceeding the risk. I'm not sure what the reason could be but can't get customer service even after waiting on hold for a couple hours. Seeing how ingo seems to be the company majority of institutions use for their mobile deposit/check cashing it would be nice to get this resolved as I don't see how I have done anything to warrant having my account closed.

I can't mobile deposit a check. A screen opens up and reads the following: After careful review of your most recent transaction we have determined that your account exceeds our risk criteria and we are closing your Ingo Money Account. We apologize for any convenience. (A10) . I have never used your service to begin with. I called customer service and no one could tell me why I can't mobile deposit.

Everywhere I bank uses Ingo: PayPal, Venmo, online banking, etc. So closing my account because I tried to cash a check— the check was not accepted— has meant that I have no internet, gas, or power as I cannot access my funds. (I’ve been at the library every day this week using their wifi to try to contact Ingo) I have no idea why my account was flagged, I have an “A10 error” and I have not received a reply beyond “yeah that sucks, deal with it.” My funds depend entirely on this company’s malfunctioning technology… I have only tried 2x to cash checks, one last year one this year. Last year didn’t go through for “risk” and this year I couldn’t even begin the process. I have no other options for cashing these checks.

Ingo needs to go...5 years of complaints prove it

App says to endorse, then denies the check. First denial says no preprinted address, even though there was. Second denial was a general denial. Worst customer service, if you ever get them to answer. They just keep repeating the same thing over and over. Rep said check doesn't pass their security protocols but wouldn't allow me to provide further info to assist with approval. Check was endorsed as instructed so I can't use another service or deposit. Rep just kept telling me to contact the issuer to write another check. I suspect if I had paid the fee, it would pass their "security protocols".

I have read horrible reviews and complaints about Ingo Money dating back to 2018, now I see why. Why does PayPal continue to use this "service"?

After using this service for many years and never once had any problems, this company randomly decided I was banned for life. Imagine my surprise when I was unable to cash a check or deposit a check into my banking account. No reason given. I feel like they are arbitrarily discriminating against me and others. They refuse to disclose the reason. They are partnered with First Century Bank and banking laws are being broken. If a credit check is being done that needs to be disclosed. i cannot think of one reason I should be a high risk.

Today, September 1st, at noon I attempted to do the same thing I have done for almost four years. I attempted to cash my check through my AceFlare Account, which uses IngoMoney to do so. I automatically was rejected, told my account had been closed and given an (A10) error code. I tried to contact customer service, they failed to even tell me what the A10 error code means, or how I had done anything that had warranted such an action. I have bills I need to pay, and their lack of any communication in this matter is almost sinister, if not a display of incompetent customer service and support.

DON'T USE,THEY HAVE A BREECH!

Tried to upload and cash a check there to my card, I had put the wrong exp date it kept getting declined, after much frustration it was finally fixed I thought everything was done, overnight someone tried to use my card it was declined because of wrong exp date, there's a breech, tried to call them and the lady was rude and hung up on me, off you want to keep your money

I have been a Paypal/ Paypal prepaid / savings client for over over a decade. I have deposited several checks in their app with out issue over the years and never had any big issues or complaints with their services. I recently tried to do a mobile check load and didn’t even make it past accepting the terms before an error message pops up saying Ingo closed (A10) my account and I am not longer able to deposit paper checks in MY account that’s been in good standing for 10 years. I am beyond angry. I was depending on this service with it being the weekend and am sad to say I will have to find another service to utilize and close out my accounts with PayPal if this is not made right. I am extremely frustrated and quite honestly baffled at the closure without explanation and lack of Ingo to provide additional information via email or immediate chat support. I will be calling PayPal directly to let them know how utilizing Ingo is harmful to their longtime reputable clients as it appears I am one of MANY to have this unwarranted issue.

Yes and go money app keeps giving me the runaround telling me that I need to identify my credentials on my PayPal card and they're telling me that they're going to send me an email so I can verify my identity to be able to cash a check on my PayPal card and they're telling me it's going to take this long and my check is about to expire and I'm trying to figure out why is it taking so long to identify me the person that owns the PayPal card

I used to utilize PayPals check cashing service on a regular basis without an issue for MANY years. On the evening of Feb 11th my husband writes me a check out of his old checkbook by mistake which got denied but I thought it was the lighting of the pic of my check or something because there was never a time my husband would not have money in his account let alone write a check that would bounce so I tried a second time and was denied. Not realizing what the problem was and knowing there were more then enough funds to cover the check, he wrote yet another check on the 12th of Feb with the same wrong checkbook. I would have to submit multiple attempts for checks on a regular basis due to different things like the lighting or my connection timing out so it did not seem weird to have to attempt the check more then once. But topically if the first time doesnt work then second or third attempt would suffice n go through just fine; however,After attempting to cash the second check, my check cashing ability with all of ingo was restricted. That means I could no longer use PayPal to cash checks but ANY and EVERY app that utilizes ingo for their check cashing, Im unable to use with the display of error A10 saying my account exceeds risk criteria and is closed with ingo. I did not do anything wrong or illegal but was put on some black listed category from a normal mistake. My husband was the account holder on his account with his father and accidently grabbed the wrong checkbook. It was a simple and non fraudulent error that should not have resulted in me NEVER being able to cash ANY check through ANYTHING utilizing ingo. I didnt think it was a huge deal initially because I thought it was only associated with PayPal but after finding out I was kicked out of check cashing feature in all of my other apps as well I feel that the issue needs to be resolved. It wasnt right to begin with but the extent of something that shouldnt have even happened is going way too far.

So I cashed one check from my tenant as a trial because we came to an agreement that it would be easier for her so I offered to do so if I had a viable way of cashing them. The first one went through, so I accepted it as payment. I got the rest of the payment from my tenant and proceeded to cash them. Well, it kicked back. So I went back to the tenant and have her write one for half of that amount just in case because I had never used a mobile check service before. It kicked back, so I proceeded to call them and ask him what was going on that was the problem. They told me that there was no year on it, and that there would be no problem uploading the same one again as long as the year had been added to it. The year was added to it, and I tried again. It kicked back instantly, telling me not to try again. I have her write a whole new one out, making sure everything was filled out appropriately this time. It kicked back again, which I proceeded to have another phone call with them. They told me that they had a talk with their internal team for me to try and process it again, and that if a previous one would not go through, to write a whole other one out and to try that. I did both of that in subsequent order, both were rejected. I wait a whole day and try again, figuring that maybe there is a timeout issue. Immediately kicked back, so I proceeded to call them, where they told me that they would have another talk with their verification team. They told me then that it would not go through because the first one, though I already got paid for it, was not cleared yet. They told me that it was going to get cleared in a couple of days, so I waited that. I called them before I attempted anything, and then they told me that my account was blocked entirely because of the amount that I had attempted to put through even though I was told to do so after speaking with the representative. This is uncalled for, and now leaves me no outlet because most mobile services use ingo.

I attempted to cash a check with Ingo Money on August 27. The check was approved and then I instructed to void the check and send in a picture of the voided check. At this point there was an issue with the promo where it took me to the first prompt where I was to take a picture of the original check. When I finally got through to some at Ingo money after hold times of upwards of 1 and a half hours. I was instructed to take a picture of the voided check image and that the reviewers had been aware of the issue. At this point my check was denied. The error message stated that there was a duplicate image of the check sent in. I called again and was instructed to repeat the process. At this point Ingo money had both the images of the original check and the voided image. I have call tirelessly and the company had been very obscure on what was going on with the check. My account was then put on hold by by their risk assessment apartment. Because I was continually told to just send in the voided image of the check and that the reviewers would take proper action. Now we are in February. This is the point when I was informed that my account was out on the hold on December after calling all those months. Now the company wont cash the check that they had me void because they said that it has been 90 days since the initial transaction. I have been persistent in calling but it seems there customer service department kept giving me obscure and not willing to resolve this issue. The mistake was made on Ingo moneys part and now I have a voided check that I cannot cash because there lack of diligence surrounding this issue. The company has been very obnoxious and rude about the way the handled this issue even to the point of giving me false information to cover up the mistake that was made on their end. I have a log and screen shots of the customer service conversation. I would like to company to honor my check because they approved it, made me void it but made a mistake.

4 months prior, I created Netspend account with 2 direct deposit monthly government checks. Due to the VA transposing account number, deposit sent back with paper check issued. I am a homeless veteran in a hotel that has anxiety, panic attacks and triggers when I have to go anywhere but here. My driver's license had expired within a month. I uploaded the check via the mobile option which directed to this 3rd party, Ingo. I uploaded my driver's license and military medical photo ID. 3 days later was told unable to verify identity where I then e-mailed and still denied. I finally made it to get license renewed but received temporary as physical comes in mail. On *** temporary form it states VALID FORM OF IDENTIFICATION IF PROVIDED WITH EXPIRED LICENSE. 2/4/22 I uploaded both as stated and told 48 hours. I also e-mailed both along with 17 other forms proving identity such as military DD214. Told 24 hour RESPONSE. 6 days later and I called. Told no upload and no e-mail received so I forwarded right then and ironically get a response to the e-mail while on the phone. *** was the agent. He stated working from home, put me on hold for supervisor approval. Came back said denied. When I asked to speak with supervisor for denying my government paper, told ALL were with customer's and no name, e-mail address or call back could be given. Netspend told me there was nothing they could do. Upon calling back, I was asked to provide last 4 of social as verification of identity and date of birth which I NEVER GAVE THEM! They also created an account on their app with that information! They can verify identity with last 4 but can't with my VALID DOCS PROVIDED TO DEPOSIT MY GOVT CHECK? They are a SCAM COMPANY just look at the reviews. They need SHUT DOWN and held accountable for their actions. *** I called, 11th in line and *** answered which statistics for same customer agent is not POSSIBLE proving SCAM company not providing services as portrayed.

I have a Venmo and PayPal account that both use Ingo to deposit checks. I have had my venmo account since 2020, but Dec. 10, 2021 was the first time I used their check cashing service. On Dec. 10, I was able to successfully cash my work check of $442.41 which was then deposited into my Venmo account within 15 minutes. On Dec. 26, 2021 I attempted to cash a work check that was $449 and change. I followed the steps for uploading the images and once I got to the step where you write void across your check, it declined the check twice stating I had used pencil and not ink. I had used black ink (the same as I had used on Dec. 10th) and after two attempts, it would not allow me to deposit the check. At that point, I had VOID written across my payroll check and was unable to deposit it elsewhere. Fortunately, my employer was able to print me a new check, which I endorsed, and gave back to my employer for cash (this was a one time exception my employer made for me since it was right after Christmas.) After attempting to upload that check on Venmo and it being declined, it did not show a hold or any other sign that Ingo was attempting to validate and cash the check, thus I went to my employer for a new one. Now today Jan 8, 2022, I attempted to cash a check from my employer in the amount of $475 and change. When I clicked the get started button on the Venmo app, it stated that my account was not currently supported for this feature. Perplexed, I went to my PayPal app to attempt to deposit it there wherein after going through the identity verification process, I was given an A10 error that stated after careful review of my most recent transaction, they determined that I exceeded their risk criteria and they were closing my Ingo account. Under their terms and policies, if they decline your check cash, you may take your check elsewhere to be cashed. I had a new check written instead. I would like my ability to cash checks returned to my Venmo account as I did nothing wrong.

I signed up a few months ago, since uploaded atleast 3+ dif legitamite checks, & every one I submit is rejected w/ "error A51- do not resubmit". HELP! From after I signed up for Ingo and verified thru the app, I have tried at least 3 or 4 different checks ive received (for school refund scholarship program check), contract labor payroll business check, tutoring check from business... Every single check, from the start, will have me take pictures, choose my method of payment, how long, record the check images, then when I press submit, it gives me the same error message like "A51 - please do not resubmit". I sent an email to Ingo because trying to get someone on the phone is usually 30+ min wait, and all they said was, ins summary: "based on your account, you are are determined high risk and at cannott time we cannot change this, and for privacy cannot give you any other reasons why." First, how could I be "high-risk" when I've never submitted a bad check, or ANY check for that matter? Ingo has never allowed me to try using their service even ONCE before I've mysteriously become deemed "HIGH RISK". Second, why wouldn't I be notified that you won't be accepting my business BEFORE I finish going through the sign up process AND verification process AND upload pictures of my check(s) to submit. From my experience, with this app, I feel like there is something shady going on if not with the person's trusted to handle my senstive info, then somewhere between. I've never demonstrated any cause or need to be deemed "high-risk" and other than it being unnerving that something is going on with my account that im not aware about, but also its also a straight up disappointment I've been "blocked" from having this convenience. Especially when there are no alternatives on: PayPal, Prepaid Cards, Ace Mobile and plenty more ALL use Ingo for check cashing. It would be nice if I could utiliZe this service especially when leaving my house during a pandemic is something to avoid at all costs. Is there some way that I can resolve this issue and my account?

Trouble with WU Money Order Check Cashing and Void Issue I have been dealing with this from August 19 to present day...My online bank uses Ingo money services for check capture deposit. I presented a $500 WU money order for check cashing for 10-day payout but was declined, instructed to try within 48 hrs. Did so and on second try was for money in minutes, fee required. Again I uploaded check to system which involved a long process of spinning. I checked email which indicated check was approved with instruction to submit voided check. Did so, but received message system timed out and another decline. Call to customer service, and after several tries and long hold spoke to customer rep by the name of Marquette or Marquetta, told her I already voided my check after it was accepted but now it's declined. She told me she saw my original mo check there, and advised me to resubmit my voided mo check and she would bring to attention of an administrator. Followed her instruction, but didn't see any result of that. But, however, I did receive two more declines..(1) ink on check not legible (redid w same black ink) ...(2) check submitted before, cannot process this one; Suggesting that I try another check. WHAT?! I don't have another check to try. This is a WU money order check... guaranteed funds! After several ping pong emails (mine, and mostly generic ones from Ingo), and now going on another week of waiting 24 hrs for contact, I am frustrated and upset because I now have a voided $500 money order check I cannot get cashed anywhere else. I used this service before and never had a problem until now. I don't know if it's their system or just bad business practice. I'm not a person who complains, and I don't feel good about having to do so about a company I really like using thru my bank account, but in hard times like these, no one needs their money tied up where it's not accessible to them after approval and following instruction to void, and have a check rendered unacceptable IS unacceptable and a terrible inconvenience. I am so disappointed and unhappy at the loss of this money!

On January 26 i deposited a check by taking a picture of it front and back and it was approved. I chose to have an instant deposit. On January 26 i deposited a check by taking a picture of it front and back and it was approved. I chose to have an instant deposit to get my funds quicker. I received confirmation that my funds were approved from ingo through email for the amount of 352.09. 10 minutes pass by and still no funds, a day later still no funds. I called money network to get my funds and they told me to call ingo money. I called ingo money and they told me to call money network. I kept getting the run around from everyone. Nobody can seem to tell me where my funds are. Ingo finally escalated my issue and i was told by a rep named Nathan that i would hear from them if the issue wasn't resolved. I called Thursday night to check on the issue after i received an email stating that that check was approved in which i already knew that! That's why i originally expecting the funds! i called again later that night and spoke with Marissa..she informed me that ingo money saw my issue and they were working on it and to disregard the email that was sent because her and her manager saw that the check was approved but never funded to my account. Marissa also stated that if they couldn't get the funds to load to my card that they would just load the funds to another card and get it to me immediately! So today is now feb 1, 2021 and i still haven't received my funds or heard anything from anyone. So i called ingo today and they stated the same thing again that the funds were approved and my account should've been funded. My account had a $-2.38 balance and Kimberly one of the reps i spoke with Thursday informed me that if an account is negative the funds won't load. So i loaded my card today with $20.00 to see if the funds would clear after that. And still no funds. I'm tired of being bounced around from person to person and no one is doing anything to help. I spoke with Tiffany this morning from ingo money and she stated there was nothing they can do basically because the funds cleared on their end. So all of their reps told me different things. And i called money network to very that the funds are there and they agreed and said they don't see a deposit of 352.09 thst was approved by ingo. I want my money and this issue resolved because it's not fair! I have bills to pay

I am filing this complaint due to poor customer service. I am writing for assistance because I deposited a check this morning at 1050am via the Ingo mobile check app.My bank informed me it was approved . Ingo said my bank declined which my bank informed me they did not . I contacted customer service several times to no avail . I have been given the run around . I am being told it " appears" that I exceeding the 5,000 dollar daily limit although I have not. The reason I resubmitted the check again was as per the Agent Tiffany the first transaction was " wiped out" and I should submit it again through the app. The reason for the decline was my account holder American Express Centurion Bank declined it . I then informed her that as per American Express the transaction was approved on their end. When I resubmitted the check around 350 - 4pm . I was given the prompt that it was declined by my bank. When I reached out again to my bank American Express informed me that it was approved on their end 1054 am . I was also given a reference number to substantiate that approval. I called Ingo again in an attempt to resolve the issue . The agent repeatedly cut me off . As per the agent I *** not be able to submit my check again until tomorrow at 4pm because it "appears " that I exceeded the 5,000 daily limit . I attempted to explain the situation to the agent . I requested a corporate number and or to speak with someone else who may better assist me. The agent then said " Well ,since you dont seem to be understanding me let me connect you with someone who can explain it to you better. Decency decorum professionalism and respect are tantamount in customer service. I received none . When I was connected to her Supervisor Ms. Asadja she to was condescending and rude. I explained my frustration and she repeatedly cut me off and was curt and snarky. As per Ms. Asadja she was " well rounded" in customer service . Since I didnt want to listen to her she would allow me to speak and get all of my unnecessary information out before she spoke again. Atrocious, to say the least. I,myself informed her that I to am well rounded in customer service with 22 years in service overall. Twelve of which are in supervision and as such I know as well as she should the you are responsible for your subordinates. Therefore, the excuse I was given regarding new employees due to Covid-19 is totally unacceptable. I waited for assistance on the phone twenty six minutes ,then an additional 20 minutes the second time. All I wanted was assistance and an explanation as to why I was being given conflicting information.