customer service representative

assistant store manager

store manager

director of operations

call center representative

CNG Holdings

Everything I was told prior to starting was not accurate. I didn't get paid for the overtime I worked my first two weeks. I ended up working 6 days a week for 6 months by myself, during peak season, even on days where most stores had two people because it was so busy. It affected my personal life. I lost all of my PTO my first year, even though it wasn't my choice not to use it - I couldn't use it because I couldn't get a day off. I was also told that I couldn't submit PTO while working so I could still get paid out for it. That was not true.

I was robbed at gunpoint, told I was going to die repeatedly, and I did everything I could to try and save the company's money. Do you want to know what the company did for me? Not a thing. I took one day off of work, and even though I had asked to be paid for it, I had to use my PTO! I was directed to call the Employee Assistance line, and when I spoke with the counselor, she said that they could offer me 6 free counseling sessions due to the robbery. I would just have to drive two hours to Grand Rapids or Traverse City to see the counselor. I asked for a raise after the robbery, and my boss at that time told me that I had to wait until annual raises were given in March. He left in January. I asked my new boss about the raise, was ignored for weeks, and finally when I demanded an answer she told me no. Then she started trying to fire me, knowing that I was looking for another job, had just left an abusive marriage and had nowhere to live, and I have two little kids to take care of.

Ultimately, I was fired via Skype call, and I had already been replaced. I gave two years of my life to that place, when I should have ran. This woman talks to people like garbage. She once said on a Skype call to another manager who had asked a question, "are you actually stupid or just pretending to be?" Upper management and corporate make this job terrible. The issues with their equipment/systems is also a lot to handle. Customers are great, but you get REALLY busy and people get tired of waiting hours and get upset or leave. You are expected to trick people who trust you into taking more money than they need, so the company can make more money. You are supposed to so ask everyone for a Google review every time they come in, even though you know they've done it four times already. You don't have time to do your job because you have to call people who haven't been in in years and hound them to come back in. All calls are tracked and you need to make 40 calls per day minimum, while trying to take care of customers, answer phones, train new employees, do audits,  update 9 different trackers, fill out unnecessary paperwork with each loan, verify daily paperwork and customer folders, clean the store, make sure your marketing is up-to-date, get on a 15-minute Skype call four times a day to talk about your metrics, update a number tracking board that requires 5 different reports that come from 5 different places and are nearly impossible to find and then figure out how to print correctly, and deal with technical issues. You're supposed to try to get your customers to load their NetSpend cards that they don't like because of the fees. You're supposed to push products that are not good for customers' financially, while telling them what you're offering is a great product. I felt unsafe after the robbery, I was denied a buzzer door, and I also was told I would get written up for locking the door or having pepper spray. My only advice would be to RUN!

I would not only not recommend check n go for their services, i would also not recommend them for any job seeker.  The culture has changed drastically and now they are an extremely high pressure, high turnover, fake benefits, nightmare of corporate america gone to the extreme, horrible work environment.  
     By "fake benefits" i mean , that on paper what they offer looks good, 150 pto hours per year, however , if you dont have anyone to work at your store and there are no employees at other stores to help run your store, you arent gonna get to take your vacation time.
this is one of the primary reasons i left.
     The corporate policy has now shifted to a "sales culture" which means for employees that they are now required to do home work, which the company says that you can get paid for it, they are being deceitful, because they will not pay full time employees overtime at all, no exceptions. The "sales culture" consists mainly of the associate going to 4 external web pages ( if they will load) and takes away from the customer service level provided to customers, but it does add to the customer wait time, making the customers angry.
     Check n Go wastes about 20 pieces of paper per customer transaction which is over the top ridiculous since most customers get an emailed copy of their receipt anyways. The hostile work environment that the divisional bosses place on the workers is over the top absurd, they expect you to join conference calls 3 times a day , busy or not, to discuss better customer service, lol. here's a thought how about taking care of the customers instead of talking about it and making the customers suffer to fulfill some college idiots great idea. 
     Check n Go has a policy that all incoming calls have to be answered and if you fall below 90% calls answered you get written up and or fired. This would be understandable if there was proper coverage in stores, but unfortunately for the workers , most of the time you are by yourself. This means no breaks, no using the bathroom and poor customer service for the customers in front of you while you are answering non stop calls.
     Check n Go preaches "every customer every time" and "sales culture"  but its just double speak, because the customer is waiting in longer lines than ever and the customers are complaining about the extra time their transactions take now with all the extra, unnecessary paper work that corporate adds every week.
     As a "store manager" you are basically a customer service rep with a glorified title, you basically will just be a csr who not only has to worry about your store, but also will have to cover stores in your area that have no employees(and there will be a bunch of those).
And don't worry about breaking records for them and achievements , they will go unrecognized. They only want to talk about your shortcomings and pound you about those.



In closing I would like to say , I could go on and on about how terrible Check n Go is to work for, their parent company Axcess (of evil) Financial, but i will leave it go for now just to say, I wouldn't recommend this job to my worst enemy.

Where do I start? I took this job to get an experience in cash handling/customer service, and that is about the only thing this job was good for.  CSR's can only get around 20-23 hours a week, if the manager wants to give you 40 the district manager wont let them.  I did get a great relationships with my store manager (it was only her and i that worked at this location) and the customers there.  They were the only things worth being there for.  Your typical day includes collection calls 3x a day, bank runs, reminder calls, cashing checks, processing pay day loans, doing buy backs, paper work, balancing drawers, and opening/closing store. They also make you go out and market for the company, you are required to put out a certain amount of flyers for the week or you get into trouble, I was told by many people and many companies that they hated me flying there and a lot yelled at me. 
The worst part of my job was that my store manager was required to get 15 new customers into the store each month to get a pay day loan, if she didn't she got written up, 3 write ups and she is done, well that's what happened, they fired her for not getting 15 new loan customers.  If your store is located in a nice town like mine was you will not get many new customers, if it's in a bad town you will get enough, but then they raise your goal. after she was fired they expected me to do all the management things without extra pay.
Another thing that sucked was seeing the customers fall into horrible money problems, there is papers in the lobby telling customers never to get continuous loans because it will cause money problems. yet the district manager wants you to try to get them a new loan every time they pay off, in just the short 6 months i was there i seen so many people struggling with money because of this. Some try getting off of it by each time lowering their amount by $100.00 my district manager got mad because i didn't try to force a person to get the full amount when i knew they were trying to get off of it.
If you are trying to get experience so you can get a better job, this is a good stepping stone, i wouldn't recommend it for long term, they expect A LOT from you in a day. They expect you to do things the higher up people in the company should be in charge of, such as marketing. Also they expect you to stand out by a road flipping a sign. 

No words can capture my gratitude for the way this company invested in me as an employee and also as an individual. I went from an almost entry-level associate to training to be the store manager within a year. They truly want you to succeed! They strongly believe in promoting within if possible. If you work here, they don't want someone who is just there to clock in and out to collect a paycheck. They push you to be driven and to become better and more talented and resilient, to be a team player and to be a leader. You're going to be thoroughly trained for the position you hold, and you're going to be trained in your own personal development too. In the 2 years that I have worked there, not only have I promoted and built up my resume, but I have become better as a person. I have come to know my potential and understand my strengths, I have learned my weaknesses and how to improve them. I have become so much more than I was 2 years ago because my manager and DDO invested in me (even though I'm pretty young), I never felt like just a number. In this company you can contact anyone higher up than you, and you're in daily contact with your manager and DDO. You are partnered up with all of our stores across the state and we really rely on each other in every way to help carry the load and meet targets. When I started here I never realized I was gaining a huge work family. The only real cons to this job is that the turnover is fairly high, and the available work hours can be pretty tight, so it can be very stressful running short-staffed offices and trying to avoid overtime. However if we are cut on weekly hours you may be able to pick up up more hours if you are willing to travel and some OT may be approved, they also help with travel expenses which is nice. When we're fully staffed and allowed full hours per associate, it's easy to balance work and life- But that comes and goes. If you can handle working by yourself frequently in a face-paced and money-driven environment and helping at other locations across the state when they lose staff, then it can be worth it. If you're a hard worker and a team player then you will be a part of a great work family and have lots of opportunity to build your resume and/or promote.

You are expected to meet unrealistic new customer goals, but you cannot control if a person is approved or denied for a loan. Co-workers and upper management were terrible. They pick favorites and if you were not part of the "cool club", life was extremely hard for you and your store. The pay is decent, but not enough for all you are expected to get done. You are held responsible for customers that do not pay, when half of these customers should have never been approved in the first place. You are told to ACH customer checking accounts for the past due amount, unless they have opted out of the ACH option. Some customers get REALLY upset when you ACH their accounts because their money is taken as soon as it hits their accounts. You will be in the store alone more that 80% of the time, which is not safe when you are handling cash. You are expected to run a successful store, complete all required paperwork, help customers, answer the phones on the 1st or 2nd ring, perform loans, make 3 rounds of collection calls, make courtesy calls, and go out daily to market the business. Upper management is an absolute joke. In case of an emergency, it is almost impossible to find someone to cover your store and the district manager would tell you it is your responsibility to find someone, DURING AN EMERGENCY! The only PRO is that you will get to meet various people and build relationships with your regular customers. No matter how hard you work to make your store successful, you will not get the recognition you deserve unless you are one of the chosen few. If you are someone who goes to work to focus on doing a great job and does not like to gossip and chit-chat all day with other store managers, then you will not fit into the chosen group. You will have to deal with your district manager talking down to you on the conference calls and constantly being sarcastic when you are asking legitimate questions. You are not paid overtime due to being salaried, but you are expected to work up to 6 days a week if you do not have a csr. If you get sick and have to miss time, you are treated terribly.

I loved working here until upper management decided to make changes which not everyone was on board with. Before that, the pay was better than any other position I had heard of. The benefits were also the best around. At the time management decided to change some things, some employess were ready to change and some employees were not. I am always up for change so I was ready. Unfortunately, the entire rest of my team was not. I did exactly what management asked us to do. I repeat: I DID EXACTLY WHAT MANAGEMENT ASKED US TO DO! After the first month of these changes, with my co-workers lying about being on board even though they did not even come close to doing what was asked of them, my numbers (accurate to what was requested of us) as well as one other associate out of our entire team, were the only ones different from everyone elses. Consequently, her and I did not make bonus (did NOT bonus for doing what we were told to do?!). Needless to say we were furious and my co-worker went straight to our manager who blatantly refused to do anything about it. The following month when the rest of our co-workers actually (and finally) started doing what they were supposed to do, their numbers looked more like ours. Actually their's were worse than ours because we already had a month of practice behind us. Had her and I been the only ones to bonus that month, I would have been okay. But did it happen that way? No. Not at all. My supervisor blatantly admitted to me that they had figured out by then what had been happening all along even though, my co-worker and I still never got reimbursed while the rest of our team got paid for lying and doing what management told them NOT to do. I left the company soon after that (for medical reasons, not because I missed a month of bonus) but I heard soon after that a lot of people from the bottom to the top had lost their job and I feel it was well-deserved...

Check 'n Go for starters is a horrible company; taking advantage of people with poor credit and prey on disabled/naive people to get them stuck in an outrageous interest rate that's nearly impossible to pay back. I was hired as a part time CSR, although I worked nearly 35 hrs/week without benefits. Shortly after I was hired I was often left alone, to run the entire store by myself. This was particularly challenging on days when lots of loan payments were due. The day began with me opening the store and vacuuming up swarms of bugs- cockroaches, small beetles and once a centipede. The place was infested! Then I would do a money drop to the bank, sometimes thousands of dollars, which I would have to conceal in my lunchbox to make sure I wasn't robbed. During the middle of summer our A/C went out and was not repaired for weeks. My uniform was a long sleeve cardigan (which I was required to pay $40 for. You are responsible for purchasing uniforms directly from the company at a marked up price.) and it was absolutely miserable wearing that in the sweltering heat.  The daily tasks were not manageable for 1 person. There were many times I wasn't given a lunch. My direct supervisor behaved completely unprofessional and innappropriate. She yelled at customers during collections calls, tried to intimidate delinquent customers and while she was on the phone would press the "mute button" and scream obscenities out loud. She chastised me once for needing a busy day off for a medical procedure, although, she had no problem leaving me completely alone once for memorial day weekend, a particularly busy time, so she could go to Elephant Butte Lake. Management in this place is totally unprofessional and their behaviors are unacceptable. My advice is: if you need a job or loan go someplace else that will treat you like a human being.

I enjoyed working at Check N Go initially, until I really started to dig into the job. Day to day consisted of opening the store, counting cash, assigning tills, verifying deposits, dropping off customer checks at the bank, etc all while you had a line of customers already waiting at the door. The location I worked at was TERRIBLE! not only were bums always around, we also had rodents and used to work ALONE sometimes all day. This is scary when you consider we are working with MONEY! Customers were ok for the most part, but majority of the customers that frequent this place were angry. I did encounter a few which I built good relationships with and had nice conversations but that was sometimes On the fist and third of the month, if you're gonna work here, prepare because you will see about 80-90 trans with just 2 people, sometimes one when the other goes to lunch. Too much pressure to meet sales quotas, even though my location would continuously make goal they wanted A LOT more. You will learn about time management and you will also be micromanaged (extremely) even when you are doing your work. They expect you to do literally everything with just one person working and customers coming in, you really have to be able to stay focused under pressure. Also, they monitor every single move it is like the Big Brother house as they have cameras, they have microphones to hear your convos with customer and ALSO they record you on the phone.  This job was not for me and I am happy that i left this company, not only did i feel bad that they prey on the people who financially need help, but it seems like they put them in a bigger hole. Maybe, that is the reason the customers are angry they HAVE to come back. If you are taking this job be really careful and I would suggest doing research on the location you will be at before saying yes.

I was always working alone. Makes it very challenging in getting daily tasks completed on top of servicing customers who come in or call. District Managers were not approachable. You can call and ask them a question/guidance but were always quick to brush you off and direct you to another store instead. Doing this over and over will eventually hurt the relationship between the district manager and its employees (you). Im unsure they realize this? The turnover rate is the highest ive ever seen in my 10+ years in working. this obviously says something about the company. some new training people will even quite during training. its not for everyone. its only for a very selected few. very stressful job. would rather much get paid less and be happier working elsewhere. I did learn a lot of skills. mainly how to multitask. sundays off were nice, some of the customers were a pleasure to work with, some of the associates were great too. if your not used to stress from previous jobs or in general, this might not be for you. if you know how to handle stress, you may be okay. benefits/insurance offerings weren't that great either. 401 k is not matched. im still thankful for working here since I got what I needed out of the job to move elsewhere and am making more money for a fraction of the stuff I dealt with. I give anyone major props for being with the company long term. if your 3 or 4 months in the job and feel its not a fit, start looking elsewhere. do not wait!

You would think a place where you do not work late evenings, Sunday, and you are in an office would be a great place to work. Wrong. 

I am a store manager in a very high income area. So most people who want a loan can go to the bank and get one without paying 200% interest. But keep in mind this company targets people who have less than perfect credit. IE...they don't pay their bills. 

This is a very stressful and sometimes dangerous environment. As a manager you have no say so in approving a loan. That is the decision of the underwriters. But when the customers do not pay (again keep in mind these are people with low credit scores) it is your fault. And you can be written up or fired for this. There are people who are given loans even after defaulting on a loan with us before and then again when they do not pay you are in trouble. 

You also have to deal with crazy people. I have prayed for a customer to get a loan more than once because I was afraid of what they customer would do to me if they didn't get one. I had a customer start throwing things and pounding on my desk because she didn't get one. Then this past weekend I saw her at a comedy show and she came over and started screaming at me to where I had to have security remove her. 

In my state we do not cash checks and we are not allowed to put a sign on the door indicating that we do not have cash on the premises. 

If your store is an under performing store, forget about getting sick. I called in sick once in 10 months and was written up. The DM also just changes the schedule without asking first if you have plans. And if you are in an under performing store plan on working every Saturday. And you can not get OT. Even when you are scheduled to work 6 days you have to take extended lunch breaks. Oh and you have to make a certian amount of calls per day. But having to take a 2 hour lunch break means that is 2 hours less you have to take calls. 



Top Job Titles	Average Salary
Customer service representative 6 salaries reported	$10.58 per hour
Assistant store manager 602 salaries reported	$16.61 per hour
Store manager 113 salaries reported	$20.44 per hour
Director of operations 4 salaries reported	$74,375 per year
Call center representative 25 salaries reported	$15.78 per hour

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