Ingo Money
Reviews and Complaints

This company first approved my stimulus check to be cashed and then denied me for "inactivity". On April 4 I was at work on my break do I decided to cash my stimulus check through an online check cashing service provided through financial institution Netspend All Access. I have cashed two checks before through Ingo Money and it went well but this time things turned out differently. They advertise that they cash government checks so I assumed by stimulus would be fine. I uploaded the front of the check and the back of the check with my name signed. The process was only suppose to take minutes but this process took a while. I got a message stating I would be email when the process was finished. I got an email stating to write Void on the front of the check in black or blue ink to finish the process and I did just that. I uploaded the void check image as instructed and my check was denied. I couldn't understand why because I had received an email stating my check was approved and they needed the voided check image. The reason for the first denial after I was approved was due to inactivity on my part but as soon as I received the email about Tue void check I uploaded it. So now I contact Netspend and they gave me Ingo money customer care number and nobody never answer. I have been calling since Sunday. So yesterday on Money I spoke with a customer care Agent via the chat. Her name was Latoya and I thought she helped me. She asked for my email so she could pull up my mobile account and she tells me my check was approved just as the first email stated and she said I was denied due to inactivity on my account and I could resubmit the check even though void was written on it and it would be cashed. I did just that and was denied again and again. The last time the message stated I couldn't resubmit the check I would have to upload another check. So if my 1400 dollar stimulus check wasn't cashed why do I need to upload another check. I went on Ingo money Facebook business page and I see alot of bad reviews and people with the same exact problem as mine and then I find out the IRS may not reissue my check. Some people accused this business of lying saying their stimulus wasn't cashed when indeed Ingo money cashed their check and never sent the money to the people it belong to. There is no way I can find out if they cashed my check other than contacting the IRS and putting a trace on the check. I will give Info Money 3 days to respond before I seek other legal advice. If they didn't cash my check then they will be fine but if I find out my check was cashed and I was told it wasnt cash ( I have all emails and chats logged) I will have to seek legal services because that is a federal fraud.

They deny a check with out any specific reason why, simply generic responses with no customer service to reply to you and explain the exact reason I have had a PayPal account for nearly 20 years and have never had any issues with my funds, my identification or anything being verified. My mother recently wrote me a check out of her business account four some event planning work I had done for her over the holidays. Are usually use PayPal for business transfers and other services however my mother is older and convinced that any online money Transfer apps are most likely to be hacked and she is afraid to use them. So she writes me a check, we both have the same last name, it is written that is a payroll check and it it out of her business account which has been in business since 1989. PayPal denies the check via INGO, Suggests I go to their site which I do, I even downloaded their app and tried to cash my check through there to no avail. They are telling me it is not written out to me or the picture can't be verified etc. however when I go to take the picture that app says success so they tell me the picture comes out good but then say it doesn't. Then just give you this basic generic answer as to why it wasn't approved a whole list of things that it could or could not be maybe this or maybe that nothing specific like your mom didn't write your name clearly or the check has a weird shadow on it and we can't see a certain number just a vague list of answers that could be anything. When you try to go to customer support or contact for help there are no options for anything just a frequently answered questions list with the same basic generic ***. Nobody *** ever get back to you with an exact reason why and now I am stuck here with a check for over $2000 for my business that PayPal *** not let me cash. At least get back to me and let me know exactly why so I can *** the problem and have the check approved and go through. When I search for this I noticed that several other users have had the same issues so why not do something about it? PayPal is a huge company with multi million dollar transfers occurring on a daily basis I don't know why they use some below average sub par bull *** check-cashing service like this company because they cannot even have a customer service representative on hand to assist. Just completely mind blowing the lack of Customer service especially for such a major company like PayPal. They should definitely just have their own check-cashing services and kick this to the curb. I remember I tried to use them for my income tax check a couple years ago when I was out of town and could not cash it due to not being near my credit union bank in another state and they denied that check as well just overall below average level of services. Extremely disappointing

Promises easy and quick access to tax return money with use of cash a check service. Denied my check and closed all my accounts without real warrant Over a year ago I left my normal branch bank to utilize online banking. I have a netspend/ PayPal and recently a Venmo account that I have debit cards for to pay bills and all other banking on. Netspend has been my main bank I consistently deposit money into, and use PayPal for online purchases and bill pay. All of these online banking business are with Ingo money. All of these businesses promise quick and easy tax return check deposits. My family has been hit hard with this pandemic, I'm a stay at home mother of 2 girls under 5, so I was really counting on this tax return and then upcoming stimulus to hold us afloat with bills and expenses for the time being. I had set up direct deposit through Netspend, however the person who did my taxes had accidentally left the last number (8) off of my account number on tax return papers. My tax return was sent to netspend on 3/3 but because of the missing number, had to be sent back to the IRS, and a paper check was mailed to me. I finally received my check in the mail on 3/15. Went to Venmo app to use the cash a check feature (i had just received my Venmo debit card and they state money will be in my account within minutes). Took and sent pictures of both front and back of check along with SSN. I got an email that it could not be accepted. Confused, I tried through netspend and then PayPal and on each of those a pop up came up that "due to risk Ingro money was closing my account". No real reason why just that I can't use any of my banking anymore. I called customer service, after the 3rd try got through and was told that they already received the check on 3/3. While yes they did, it was not deposited which was why I was sent a paper check. The customer service representative basically said I was out of luck. That they had to close me out. No other answers besides sorry about it. Upset, I went to Ingo money website customer service "chat" to speak to someone else. They have to see it was not cashed. Was told the same thing. So now I'm without a bank, because I stupidly thought online banking was working well this whole time, and now all my accounts are closed. When I can go back to work my paychecks were deposited through PayPal. But now that can't happen because even though it's all over the IRS website that people can't change banking information and paper check will be sent out instead Ingo Money doesn't care. PayPal, Venmo, and Netspend all told me my account on their end was in good standing, but to go through Ingo because they cash the checks. A lot of companies pay through PayPal and alike, so if I ever get a new job that pays only through a debit card (I've had 2 that works this way) my social security is flagged as a risk and I can't get paid. So here I am already stressed because I was supposed to get my check weeks ago (though didn't through the fault of my tax preparer), am in the a worse situation because I have the legitimate physical check from the IRS, and no way of cashing it. In times like this for a company to just lock loyal customers out from receiving life affecting money is appalling. And they give no real reason, or even look into any information to see that they did not cash a check and sent it back.

INGO REJECTED MY STIMULUS CHECK 3 SEPERATE TIMES! On 12/3 I tried uploading my stimulus check to have it deposited on my Serve card, but it was rejected and the reason was "cannot cash this type of check." The very next day the stimulus check money was deposited on my card which I was unaware of at the time...but then it was taken back out of my account the day after that!? My next attempt to deposit wasn't until 12/30 because I was out of town for a couple weeks. There was a huge banner on PayPal stating that they cash stimulus checks so I tried to deposit it through my PayPal account but it was also REJECTED! I contacted customer service to find out why the check was being rejected once again and I was told that INGO couldn't take the risk in honoring this govt issued check because the check was too old and that they didn't accept these kinds of checks if they were over 30 days old. Well the date on the check says 11/30...and I was trying to deposit it through PayPal on 12/30. Ummmmm... that is 30 days from the check date! I'm so confused...so the agent then says to me, "well 30 days or close to 30 days." HUH? WHAT THE *** DOES THAT MEAN? IT DOESN'T EVEN MAKE SENSE! That's like Wal-Mart having a return policy that says "30 day return policy...give or take a few days." And if the UNITED STATES GOVERNMENT says that the tax and stimulus checks are valid for a year THEN THEY ARE VALID FOR A YEAR. Not 30 days, or 30 minutes, or 30 seconds...ONE WHOLE YEAR! Ok so to be fair, let's just assume that this ridiculous "checks must be dated within 30 days or less" guideline wasn't a total sack of *** lie. And if that's the case then what was their reason for the rejection on my FIRST attempt to deposit the check to my Serve card? I attempted that on 12/3. EXACTLY 3 DAYS FROM THE CHECK DATE! Now what's the excuse? Inks TOO dry? The INGO agent then made the most ridiculous comment I think I have ever heard...clearly showing what complete and total [censored]s both her and this company are. She told me to CONTACT THE CHECK WRITER of my govt issued stimulus check to have them issue me a new check with a new date. What in the actual ***? Contact the check writer..? So I should just dial up the IRS real quick to see if there might be an employee that can help me and has ABSOLUTELY NOTHING ELSE iN THE WORLD TO DO and honestly gives a flying f*ck? Do I ask them to PRETTY PLEASE print me out a new check because INGO says this one, even tho technically still valid, was dated 30 days ago and is now considered ka-ka and is so old it might as well have been written and signed by Abraham Lincoln! Or Maybe I should do a three way call with the President AND the IRS ...do you think they have Venmo? How *** stupid. DOES THIS AGENT LIVE UNDER A ROCK ON FREAKIN MARS? Also, the first 2 deposit attempts I chose to receive my money in minutes which as you know, sucks ***. So for the third attempt Which I tried to do on 1/25 i chose money in 10 days hoping for a better outcome. That way INGO wouldn't have to make up another idiotic excuse for rejecting my deposit...they would have had a FULL 10 DAYS for the check to CLEAR before money would need to be released to my account! BUT THEY STILL SAID NO. ***3 STRIKES- IM OUT*** I don't understand why or how this company even exists! I would LOVE to know what risk they are taking by waiting for the check to clear first before money is deposited into an account. There is NO risk...INGO IS KA-KA!

Tried cashing a check originally in 2017 with my Serve card. Then told I can't use Ingo. Now trying with my PayPal and same problem with no reason. In 2017, when I was using an AMEX Serve Account, I tried using their mobile check cashing service to cash a check I received for Christmas from my father. It did not work and I was told automatically I could not use their (Ingo) service anymore. Just like that. No other information. I received two automated emails about the check not being approved including one with a list of reasons why that may be, I checked my check, and everything was completely in order. I was shocked when it wasn't just simply my check wasn't approved, but they told me I cannot use their service anymore. It's well known Ingo has a monopoly on the mobile check cashing for most prepaid services. I reached out to customer service trying to inquire about what happened, and I received possibly an automated reply back saying I violated terms and conditions and I can't use their services. This was all from me trying to cash a check my father, something I've been doing successfully every holiday and birthday. So this isn't a weird check. I can't even imagine how it could be viewed as anything but your standard Christmas present from parents. If by some strange reason, I violated the terms, when all I did was accept a check from my dad and sign it... then what can I do? I understand they have rules for a reason. The thing is, if I'm going to be blacklisted from a company, and also treated as if I'm suspicious, when again I tried cashing ONE check from my dad, then I believe I deserve to know why. Looking through my emails I see that one month after I got the form response back Ingo customer service, and replied asking for further information and trying to verify that a person even wrote that email at all with a response never coming, my Serve card notified me the check service was no longer available for my account. One month later. Why am I being treated like I did something wrong? Why are they taking all these steps? I literally cannot imagine the reason. I switched to PayPal a long while ago. I just got my second PayPal Cash Card after the first expired. So it's been a long time now. I found out PayPal does check cashing too, and again I have my holiday and birthday checks from my father I'd like to cash. His credit union has one local location that's closed due to COVID. I use the PayPal app to start the process and I don't even get past the first part explaining the process. I'm told that "after careful review of your most recent transaction, we have determined your account exceeds our risk criteria and we are closing your Ingo Money account." Are you kidding? What recent transaction? All I ever did was try submitting one check from my dad, and then they implied I was doing something wrong and then never replied to my request for information. This company is unavoidable nowadays for those of us who prefer prepaid cards. PayPal is a major major company using their service. Why can they arbitrarily blacklist someone without any explanation? If I could avoid this company I would but I can't. I just let it go back then, even though the experience was infuriating and upsetting and the customer service was appalling. But now knowing they are working with PayPal, and here I am with a service available to me that I cannot use without any explanation, I need to find out what is going on. I don't want to waste my time trying to reach out to customer service again.

Uploaded stimulus check, received email- said approved. Within 1 hour, wrote VOID - but couldn't upload as declined for "in-activity" timeout. No$$ On 5/26 at 7:33pm I submitted the stimulus check $1200 for cashing on PayPal via INGO, and it said to close the page and check for notice of approval. Waited 10 minutes watching the circle spin and then put phone down. I wound up checking email at 8:45pm and saw that at 7:53pm received the email from INGO that check was Approved! Gave instructions for actions to take to complete check transaction. > so funds would be available for deposit.> This is the exact wording of email: Funds Pending! Action is required to release approved check funds to your PayPal account. Dear *** Xxxx, The check you recently submitted with Transaction ID XXXXXdfd-c0da-411f-9cXX-XXXf2dXXXXXd was approved for funding pending receipt of your voided check image. If you have not already submitted your voided check image, you must: Write "VOID" boldly in large letters across the entire front of your check in blue or black ink (no pencil), as pictured below. Open the PayPal app and launch "Cash a Check" from the button on the home screen, then select the menu icon (three dots) in the top right and view "My History." Choose the check transaction you wish to complete. Follow the prompts to take a picture of the front of your voided check and submit it. As soon as we receive and verify your voided check image, we *** complete your check transaction and fund your account. If we do not receive a correctly voided check image, we *** be unable to release your funds. Submission of your voided check is a time sensitive process; therefore, please follow the instructions provided above as soon as possible. In the event that you are unable to submit your voided check image, please contact Ingo Money customer service for assistance. > So, as I said, checked email at 8:45pm- one hour after email confirming check was approved and I followed the steps to complete my transaction. I wrote VOID on the check in PEN and went into PayPal app, clicked the check info tab looking for the button to upload this check with VOID on it, but found nothing to click. There was no opportunity for me to upload anything as INGO apparently decided that ONE hour is too long of a timeframe and what I find is that it says Timeout- "declined due to inactivity / no uploaded VOID check was received in time." This was shocking to me. I went back and re-read email and looked for anything i could have missed and found nothing that I could have known to do differently. I looked at the time again, it's only 8:53pm. How could this be happening? I called customer service but of course no answer as call center was closed (but this would remain an issue for me as NO ONE has been there to take calls any time I have tried calling since 5/26. I emailed them immediately and told my story. I was in such distress and hoped to be contacted within the 24 hour timeframe the auto response gives. I waited over a week for a response, and on 6/4 at 8:43am I received this: "This is Ingo Money Customer Support. Thank you for reaching out to us! Your transaction in the amount of $1200.00 was approved for funding. However, we did not receive your voided image within the time allotted, and the transaction has now been cancelled. Unfortunately, the check is no longer approved for cashing. You may resubmit your check as a new transaction to be re-evaluated for approval." Now, I had detailed the issue of already writing VOID on the check and that due to this I could not and would not attempt to deposit elsewhere. But because they said to try and resubmit to be re-evaluated with them, I did BUT OF COURSE DECLINED because VOID on front of check. I am totally at the mercy of their company for depositing my check. I need money they locked up and have all info for. I'll even send them the check and wait 10days. Resolve This Please!

I was denied the ability to cash a check for no reason and no explanation. I called and they would not work with me to resolve the issue I have to use a debit card because I'm disabled and a Traditional Bank won't work for me. I tried to open an online bank account but no one will work with me because everyone uses Ingo Money to fund their debit cards. I called Ingo Money to find out how I could dispute the problem or even understand the issue they were having with me and they said they would not and did not have to explain the reason why they would no longer work with me. What happened was after many many years of using debit cards actually since 2008 I use personal checks or even my tax returns, Etc and I add them to the debit card that I am currently using. I went to cash a check like I would on any Ordinary Day. It wouldn't go through so I thought it was a phone glitch which has happened in the past, not frequently but once in awhile so I restarted my phone and proceeded to do the transaction again. Once I did that an error message popped up and said I was a security risk and said that they would no longer do business with me. I contacted them immediately by phone and they told me they would take 24 to 72 hours so let me know what the result would be. Well less than an hour later I received an email stating I was just security risk and there was no disputing this. Let me be very clear, I have not a parking ticket, no criminal background, no security issues and I worked in healthcare and I've had literally hundreds of background checks done on me and I am always in the clear. I have a US passport I am a US citizen and I was not trying to do anything illegal. Without the use of Ingo Money it has caused me the to lose the ability to fund my debit card or open a bank account either in person or online because Ingo Money has obviously flagged me as a security risk. This is an unfair business practice which is caused me to be unfairly denied access to almost every single vendor and every bank and online bank that I have tried to use. Reason being that use the Ingo app to cash there checks. I receive direct deposit from the state directly onto my debit card and I I'm no longer well enough to go searching the streets to look for a check cashing store which will charge me an exorbitant fee to even cash a check. The check I was trying to cash was from my uncle as he and my mother I've kept me afloat during this most difficult time when I am now not well and there is no reason for it. I did nothing wrong. I have done nothing that I haven't done before and I promise that I only tried to cash the one check 2 X because I tried a second time because I honestly thought it was an error on my phone. If Ingo will not deal with me I don't know what to do. I don't know if begging and crying is an answer but I don't think it is. I am not a criminal nor have I ever been one. I have no criminal record or background. I am not a security risk to anyone for any reason. I literally walked through people's homes for years taking care of them in their senior years or during hospice situations and I was completely and I'm really transparent and have never stolen or taking anything ever. Without the use of Ingo I am at a complete loss. I tried to get an attorney from the but they just write back that they're too busy. This is an unfair business practice that has impacted me in every negative way possible and I don't know what to do. I'm homebound pretty much except for doctors and hospital visits and I depend on my debit card virtually everything from groceries to Uber which I use to get to doctors and hospitals in emergencies. I didn't do anything wrong I didn't break any rules. I didn't use a strange check. I was the one who signed the back and endorsed my check. I did nothing different than I have done since 2008 when I separated from my ex-husband. Without the use of Ingo I am completely locked out of an industry that I need to survive and they will not help me resolve the dispute or explain what exactly I could do to resolve the dispute. I desperately need your help