Ingo Money App - Cash Checks Negative Reviews

Ingo Money App - Cash Checks App Complaints & User Negative Comments 2024

Ingo Money App - Cash Checks app received 28 complaints, negative comments and reviews by users. Have you ever had a bad experience using Ingo Money App - Cash Checks? Can you share your negative thoughts about ingo money app - cash checks?

Ingo Money App - Cash Checks for Negative User Reviews

✓ DO NOT USE INGO MONEY!If I could give zero stars I would. Ingo Money advertises themselves as being able to quickly put money into your account via mobile deposit check cashing. In reality they can do no such thing. I tried to deposit a rather large check with them and after initially accepting it, a few minutes later I got notification saying it was declined. I tried 2 more times and got a message saying I would have to wait 10 days before I could try again. Of course the customer service number only reaches an automated service and no human representative to talk to. The person on their chat line was also useless. I was told they could not “assume the risk of cashing the check”. This was a check from a reputable business for services rendered (not a personal check). I really feel a class action lawsuit should be in the works here as 1) they are using false advertising and 2) they get your social security number and personal information yet do not fulfill their commitment to you as a financial institution which is fraud. PLEASE DO NOT USE INGO MONEY!.GlubgogagolaVersion: 4.8.7

✓ Do Not Use This AppI tried to cash a check with them earlier this week and they wouldn’t cash it because I wouldn’t void before submitting it. Finally I voided the check and they cashed it. I tried to cash another check today and wrote Void on the check as I was previously told to do to be able to cash the check and now they won’t cash for a list of reasons that do not seem acceptable to me. I endorsed my check the same as I did previously. I tried twice they rejected it both times. Now I am sitting here with an emergency and a worthless check. Do not cash your checks with this app. I’m waiting now almost an hour on Customer Service and to see if they will cash my check that they keep refusing for different reasons on four different attempts. I think they are stealing checks and I am reporting them to the AG’s Office and the Fincen Regulatory Commission in my state. This is a shady outfit do not cash any check with them..Iare47Version: 4.9.5

✓ Save yourself the headache and don’t downloadI wish I could give zero stars. I have tried for the last two days to deposit a check into my account with no success. The check is legible and filled out as clear as day. Somehow their software or camera is so bad that it won’t process the image. It’s too bad that my bank only uses InGo for online deposits. I reached out to my bank with these frustrations and they said they will be reviewing their business relationship with InGo due to all of the terrible reviews and poor service. I have tried numerous times to reach customer service via email and by phone and have not been able to speak with anyone. Just look at their twitter page and the only posts you will find are from customers who are having the same troubles as I am only to get a generic pre typed response from this company stating they are sorry for the inconvenience. Horrible customer service with zero human contact and horrible software that can’t complete a simple task like taking a photo. Do not trust your hard earned money with this company, very shady..Dan.c.bVersion: 4.9.2

✓ Be careful!Been using ingo for years and never really had an issue up until now. Received a check for 1500 on a Saturday and needed the money immediately so decided to use the money in minutes option. Initially everything went through, check was accepted and it was now time to write “void” across the check and submit the photo to have my funds released. I’ve never liked the whole void your check before receiving your funds option but I hadn’t had an issue in the past. Anyway after submitting the photo of the voided check I was informed that I didn’t void my check properly and I needed to resubmit the photo. I took a black marker and made the void more legible. Still tells me I didn’t void the check properly and that my account would be placed on hold. Contacted ingo customer support only for them to tell me that they can’t cash the type of check and the verifying department shouldn’t have approved the check to begin with. Now I’m stuck with a voided check that I can’t do anything with and only 3 hours to come up with the money. Ingo really needs to do away with the whole void check option for this reason. They are literally screwing people out of their money because the verification department has absolutely no idea what they’re doing. I will not be using this app again and will be sharing my experience with everyone so they know to be careful with their money..PamelaGarcia16Version: 4.9.8

✓ Steals your money !! DO NOT USEI tried to cash a $200 check with them on 12/5. They said it was accepted and I just needed to write VOID , soon as I did that, I was told they could not deposit it. I was left with a check I could no longer do anything with. I called the issuer and it was confirmed they indeed CASHED THE CHECK and never sent me the money. I’ve Ingo called 6 times, waited over an hour each time, even spoke with a manger who claimed I would need to resubmit the check and it was never cashed when it was, I tried again and it immediately denied. The check issuer was gonna send another, but couldn’t cause they have the money and have not sent it back!! It is now almost a month later and nothing… not a dime. Ingo keeps claiming they never cashed it and they DID. They stole my money pretty much and I WILL be filing a lawsuit for it and advise anyone else in the same boat to do the same cause you will not get anywhere with them. People, do noooot risk your money with them. I wish I read the reviews, but you don’t think things like this would happen in 2021 from a “ bank” many apps use to cash checks..AWilliams102744Version: 4.9.5

✓ Confused upset angry! they lost a good customer!I used this app for about 2 years and it has always worked so fast and easy for me even with 1,000 dollar checks no problem but then one day I got my 600$ stimulus check and I thought okay no problem they should be able to cash it because they easily cashed all my other checks (I’ve cashed about 15-20 checks with them within 2 years and they all have been approved and went very easy and smooth for me got my money in mins) so I take a picture of my stimulus check from the IRS and do everything to have my stimulus check deined without an explanation AND to find out my account is permanently closed due to my recent transaction doesn’t met their risk criteria. I’m very angry and upset that a check from the IRS is a reason to closed my account permanently and I’ve cash many many GOOD AND APPROVED checks with them in the past. I was a good loyal customer who talked very highly of this app and recommend this app to everyone since covoid happened. I always had no problem paying the extra fee for u guys because of how awesome it was and now I’m just confused on why my stimulus check from the irs is now the reason i can never use this app again..Katielovesyou46Version: 4.9.3

✓ Horrible App if Wanting Fast MoneyIf you’re wanting your money fast instead of waiting, this is NOT the app for you. UNLESS you’ve uploaded a check and waited the 10 days and then want to cash the check from the same place, then it will allow you to cash it instantly. My work messed up on payroll and my direct deposit did not go through. So my company over nighted an actual check. We use ADP and it was official and printed just fine. They (of course) declined to cash the check. The first is this Friday and instead of helping you, they copy & paste a standard response for them declining the check. The check is legit. They really need need policies or better people checking checks that are uploaded. The only way to talk to someone in their customer service is a Facebook message OR their chat option on their website. You can’t actually talk to anyone. How any business works with them is beyond me! It’s very frustrating..Marshaljr15Version: 4.9.3

✓ AnnoyedI tried to sign up in my money network app which i got from my job to cash in my check and it said that i cannot use it because my identity cannot be verified. then i downloaded the app thinking maybe i can verify myself through the app, but when i try to register, it states that i already have an account when i didn’t. so i tried to reset my password anyways and i did not recieve any email within 2 hours. i did this two times. so then i sent an email to customer service explaining my situation and i get a reply back in the morning that didn’t even answer my concerns. they basically said i cant use their service because of this stupid identity verification even though i asked how i can do that when im not even allowed to register. i sent an email back asking HOW to verify myself and i have not got a word from them since..KatieeeeyVersion: 4.9.5

✓ Not a good appI tried to cash my check using this app and it keeps declining my checks when I contact then they don’t give no explanation to why it’s being declined when you call them same thing they say they don’t have any information on why the check is being declined no matter what app I use the same issue occurs. They need to take their information off these apps so people can cash their checks and get they money especially if they are disabled or handicapped and are unable to get to a bank to cash your checks. I’m so mad about this that I reported this app and they are currently looking to shut it down! They say my account is closed and then the developer sends a dumb response of how check approval is not guaranteed man get outta here I read a lot of reviews and I see I’m not the only one having this issue so this app is a scam and I am definitely working to get it shut down! FINALLY GOT SOME PEOPLE THAT I CAN SPEAK TO ABOUT YOUR BUSINESS AND YOU ALL ATE GETTING INVESTIGATED AND SHUT DOWN!!!!!! FINALLY JUSTICE WILL BE SERVED!!!!!.Plug MamaVersion: 4.9.8

✓ Honest review.I’ve had this app for less than 12 hours and it has brought on more stress, anxiety, and worry for not only my informations safety but the funds of the check I “cashed” I only used this service because of its partnership with Venmo. I needed to cash a check and it’s Saturday. Being directed to this company thru a reputable one I was not so inclined to read reviews…I should have. Upon going they the steps of the sign up process and finally getting to the spot where I was submitting my checks photos..I was getting skeptical. I hit submit anyways and up pop a screen saying I was one step away from my approved funds! I thought omg?! It actually worked amazing. This next step is where I should have canceled everything and listened to my gut. I had to submit an additional photo of my check with “VOID” written in bold ink. Against my better judgment I did it and clicked submit again…fancy that. Denied. I have no idea where my funds are, if or when I’ll get them, and support is impossible to reach. Even if you manage to get they they are extremely rude, aggressive, accusatory, and shady. Would NOT recommend. Will update if I ever see the money again..SinSierra68Version: 4.9.6

✓ DO NOT GET THIS APP!!!This was my first time using an app to cash my check. I did all of the requirements. Before depositing my money, they wanted me to write “VOID” on my check (I should have known not to do it, but I was on a time crunch and needed the money right then). I reluctantly did it, but then they said it was a “failed load” and to call customer service. The first time I called, they told me to contact my bank then call back, and so I did. After talking to my bank, I tried to call back. The wait time kept going up and then they hung up on me. 3 times. So now I am left with no solution and a check that I cannot cash anywhere else because of the VOID writing on it. Never again. Pls do not get this app. Update: After a few hours, I finally got in touch with customer service and they resolved the issue. Thank goodness! Still a bit skeptical about using this specific app because of how hard it was to get into contact with someone, but other than that I’m glad someone did eventually help me receive my deposit..Moni PughVersion: 4.9.8

✓ Beware this is not a good choiceI’m trying to use the ingo money app but all I get is error messages. I tried and still try to get an answer from ingo money since they control many online payment systems why this app doesn’t work and the only response I’ve gotten is the same over and over they say that I didn’t pass verification. What verification? I can’t even get the app to work. Also all my documents are legal and from the United States government so what is it I didn’t pass. Still no answer but now I can’t upload any payments or attach any financial accounts because of Ingo has blocked me. I did t realize they had this much power and control. They decide if I can deposit money into my accounts or transfer money or upload money or attach accounts to one another but they have tied my hands making my life extremely harder than it has to be creating an excessive hardship during this pandemic. It’s abusive and violated my civil rights. Someone should stop them since they are using discrimination to prevent some from the basics other people can enjoy..CristyanityVersion: 4.9.8

✓ DO NOT USE THIS BULLS*** SERVICEAfter holding my check for 2 days I had to call them to understand WHY. I was told by a rep that it was on hold for verification. He then proceeded to place me on hold only to come back and tell me they couldn’t verify me because they could see my expiration date on my card. I said okay I’ll re-submit it. He says “You will re-submit it?” I said “Yes. If you can’t see it I WILL re-submit it so that you can.” Now what he neglected to tell me is that I would be completely LOCKED OUT of the system. I sat on hold for over 45 minutes TWICE. Having my check on hold for 2 days not knowing what they were doing because there is zero communication and zero EFFECTIVE COMMUNICATION with their “customers”. The is 48+ hours of my life to only get NO-F***ING-WHERE with these people. DO YOURSELF A FAVOR AND SEEK MORE REPUTABLE AND ESTABLISHED SOURCES TO HANDLE YOUR MONEY. You’re better off cashing your check at a questionable hood corner market than using this service. WASTE OF TIME AND DOWNLOAD!!.MoniNE7Version: 4.9.2

✓ UnreliableI’ve used Ingo several times in the past without issue. However the most recent attempt was my last. I attempted to cash a check at 4:40pm AZ time using their “Money in Minutes” option with a $16 fee. It does mention at the bottom that usually check process in minutes but can take up to an hour. I wait over an hour and a half without response. I then had plans to see a movie so I didn’t check my phone for about two and a half hours. Upon checking my phone I see that the check was approved about 20 minutes after the movie started and about 10 minutes before it ended they cancelled/declined my check since apparently I took too long to “VOID” it out. I then try resubmitting my check but am told via the app that I cannot resubmit this check since it was previously cancelled. So now it’s 9PM and I never got my “Money in minutes” but I definitely did get disappointed with Ingo and will never be relying on it for my check cashing in the future..Rudy72Version: 4.9.5

✓ Does not accept NYS users :(I was super ecstatic to start using this app, considering I could just take a picture of my check and upload it, rather than having to make a trip to the actual bank. So I was putting in all my information and everything was going fine. I stated I was in NYS by my address and even with my cards being linked to NYS and nothing was flagged or anything. So you can imagine my surprise and frustration when I go to take a picture of my check and they state “the Ingo check cashing service is currently unavailable within the state of New York.” If this is the case, why would the app allow me to go through the states and select New York more than once while I am setting up my account, and linking not one but TWO cards all of which clearly state I am in the state of New York? If you are not offering it in a certain state, do not make users believe they can benefit from your app. I know it states “currently unavailable” so I am guessing ya’ll are working on making it available for us NYS people. But please do not make it an option before you offer it because that is false advertising. Please remove it or offer it in NYS. I hope you take my review into consideration! :).Des 💛Version: 4.9.8

✓ This app is awful and make mobile banking much less affective for everyoneIngo decided that I had “suspicious activity” more than once on my account and that decision was final and they told me there was no one else I could speak to. But, I had serious identity theft problems years back and hadn’t a clue what they were referring to. I got no explanation, no date or exact infraction. At least the other companies I worked with to fix my identity theft issue were willing to work with me and explain it all. I’ve lost countless hours in my life because I can no longer use ingo to deposit any checks so no online baking for me. It’s obvious this company does not care about their customers. I’ve paid countless fees having to run around to stores to cash my check to feed my children. THEN, when the pandemic hit and everything closed, ingo single handedly brought me to tears when I couldn’t get my paychecks into my bank account, my bills were late. If I didn’t believe in god I’d talk to a lawyer. This company is awful and should be referred to the BBB. But nothing will change. Profits come before helping families. I hope no one uses this app again. THANKS INGO.Jdm198420Version: 4.9.6

✓ Buggy app / does not send verification email / horrible customer serviceAfter checking inbox and spam over several days and clicking the resend verification button a bunch of times, verification emails do not send. Customer service makes a phone call and I am Deaf/hard-of-hearing and cannot communicate that way. The phone clerk manages to talk me into changing my email for log in to a gmail address due to maybe the software being more compatible with gmail than planetmail, so I consent but have severe difficulty understanding if they misspelled it. The phone clerk claims there is no other way to change the email to try to see if gmail will receive the verification but over the phone which is Deaf-unfriendly. I tried opening up a chat and it is VERY SLOW. All they do is say generic things and how they appreciate your patience. At the top it asks for your basic info but they make you repeat it after you posted it. This app must have regular ongoing issues with verification emails because they feel the need to write common sense information in the log in box such as “check your spam if having issues with verification” - if only it was in my spam. 🤦 Really I don’t mind being a beta tester, but that’s a paid job and they would need to pay me for that..Lavender XVersion: 4.9.4

✓ I’d rate 0 stars if I couldFirst off the fees are too high, BUT the app could be useful if you need to cash checks on the weekends or after hours….That’s IF they could consistently provide good service. They’ll start off cashing your checks, but then out of nowhere close your account for suspicious activity with no explanation & no way to verify your identity & move forward. Just close your account and that’s it. It’s completely unprofessional & bad business. After trying to cash my student loan check from the government, my account was closed for suspicious activity, which is crazy because the check was in my name & I had previously cashed work checks on the app with no problems & all of the checks cleared. If you need a check cashing app to regularly cash checks find a different app because one day out of nowhere Ingo will close your account. They have several complaints about this..WaitstobeVersion: 4.9.7

✓ HONEST REVIEW AFTER WEEKS OF USEOK so I downloaded this app because I wanted to be able to instantly have access to my money from my check. The process was very self-explanatory, and it really didn’t seem like they would be much of an issue. I looked at the reviews before I got this app and it kind of turned me away from it but I decided to give it a chance anyways. Now I’ve been using this app for about 2 to 3 weeks, and it works great. The ONLY issue I ever have is that I guess they can’t read the pictures because it always says that it can’t read the bottom of my check. Now this happens maybe two or three times and yes, it is annoying. BUT, after the third try check goes through and after you use the app a few times, you can cash your check almost instantly because all the verification process is over with. I give this app three stars mainly because of that issue, but once they fix it and I can take one picture one time and cash my check right there, believe me that 5 stars have been earned. So all in all, great app because it actually performs the function that it was created for, it’s just something you have to try a few times for the sensor to pick up the whole check. Hope this helps!.Tortuga.Version: 4.8.6

✓ Use with CautionI used this app service through my PayPal account (which I have had since 2001) to cash checks. I paid the fees requested to receive immediate funds, as it was less than the bank fees. Suddenly, with no warning, they stopped accepting my checks, closed my account, and flagged me as suspicious. I have never in my life been labeled as suspicious, I worked in banking for 10 years. I know the criteria for “suspicious activity” and I have done nothing for this to happen. They refuse to give further detail or explanation. After checking the BBB I have become aware that this is a frequent issue with this service. This is completely unfair to consumers who are in need of a service such as this. All of the online apps out there (Venmo, PayPal, etc) use Ingo for check cashing, making it impossible for me and others this has happened to to cash checks. Every check I presented was valid and paid by the issuing bank so there is absolutely no reason for this to be an issue. I offered to send identification, tax records, etc., and still received the same copy/pasted response. I asked to speak to someone higher up, and was turned away. If you do not want your name being flagged as suspicious, stay away from this app..JammMamaVersion: 4.9.8

✓ Account closed with no notice or communicationI’ve used Ingo for months now. Maybe the better part of a year. I had a check given to me that I was unaware had my name misspelled. I attempted to contact the company via email, had no response. I engaged in a chat on their website, which resulted in me being told my account would be reviewed and I would hear back about their findings, I got no such correspondence. I then initiated another chat on their website, where I was informed all of a sudden that my account was completely closed. Which happened with no notification to me! I proceeded to ask why and wanted an explanation. They said “my check presented an elevated risk”. But none of the other checks I cashed from the exact same establishment were ever a problem. I asked her to be less vague and got the response “we can’t go into further detail”. She couldn’t tell ME about what was wrong with MY account. And the lady chatting with me put no further effort into trying to resolve the problem or inform me as to how I can approach it to get it resolved. I have no issue with the fact that a misspelled name was flagged, but I have multiple issues with the lack of effort to resolve the issue with someone (Rhonda) who claimed to be on the Customer Service leadership team!.Thaney92Version: 4.9.5

✓ Dont waste your timeI wish I could give this app 0 stars. I got this app because it was compatible with my bank for mobile check depositing. I went to cash a printed check from poshmark and I got an error. So I waited it out. With hearing nothing back for a month I cashed the check elsewhere. When trying to cash yet another check it said they couldn’t connect to Ingo Money. So I decided maybe it’s my password. After waiting for emails to reset my password I never got one. So I contacted customer service where they continued to tell me I don’t meet their “requirements” after reviewing my registration info and my check image etc from a month or two ago. So because they couldn’t cash my printed check they closed my entire account and said they couldn’t activate it to begin with. When I already had the app and was already activated. The whole thing is a joke and I would never recommend this app or the company in general..Kiwi miniVersion: 4.8.7

✓ Ended in tears- don’t do itTrying to cash my check to make my final rent payment of the month. Customer service is non existent . I contacted the chat- they took forever to answer (10-20 min) and then terminated the conversation if I took more than five minutes. I ended up speaking to three different people, leaving my callback number on the customer service line twice, & even as I saw that they COULD solve my problem, they wouldn’t. & there’s no one to complain to. So now I have to rush to have my check reissued (since they told me to write VOID in big black letters before they told me it wasn’t approved) & hope I get it in time that my landlord doesn’t start with me. Don’t play with your money. Don’t download this app. Update: they tried to get me to “update my review” after trying to send me to the same abysmal customer service, I never received a call back although I left my number several times, & they don’t even know my problem was resolved days ago. I’d laugh but it’s not funny..Charles62393Version: 4.9.5

✓ I didn’t want to believe the bad reviews but......there’s definitely a reason why there’s so many. I knew I was going to be getting my end of the year bonus sent to me via paper check. I wanted immediate access to my $ instead of waiting for a day or over the weekend for my money to be available to me. I downloaded the app & set up my account with no issue. I linked my debit card & PayPal account with no issue. I reviewed the criteria for a check to be approved several times to ensure my check would meet each & guess what? My check still wasn’t approved. The images of the check were clear, it was endorsed, same name, etc. It was an ADP payroll check from my company, issuing bank is USBank. I’m not sure what they’re looking for but I’m curious to know what checks do end up getting approved. And judging from the reviews, this seems to be a pretty normal occurrence. Providing customers with some visibility as to why their checks are not approved would be very helpful. Part of me thought this kind of service was too good to be true and I ended up being right. It’s too bad, because it’s a wonderful idea..Brapz!Version: 4.8.6

✓ HorribleI tried to cash my check link my debit card gave all my info. Also I checked my debit card account to see two transactions both for 0 dollars 1 from ingo and a random one same time as ingo. So for some odd reasoned my turbo tax card company referred me to you. I don’t know why but once I got to the page to transfer the money to my debit card I did it as money in minutes to get it right away. Once I hit submit it goes to we can’t verify your identity and it’s a 2500 dollar check. Now I have to go cash it somewhere else and hope it really dint get cashed already. Because I truly need that money. I assume it dint get cashed because the screen it’s on said to go cash or deposit it elsewhere which to me means it dint go through cause I never had to write void on it. Horrible service. I hope you get takin down and I don’t know why my turbo tax would refer me to you..Solo379Version: 4.9.5

✓ You mobile deposit is a jokeI deposited a check in November didn’t do instant deposit waited the 10 days I try to do instant mobile deposit yesterday denied said couldn’t verify I assumed it was the time of day 530pm ok try the next morning nope u denied me then removed access to mobile deposit saying I was a liability the check came from a Robinhood account they all customers to send checks to individuals and businesses and they remove funds automatically that way the checks are covered I have proof of it starting money was removed from account to cover funds for the check and still your app couldn’t verify a Bank of America check for instant deposit instead of emailing me saying that funds can’t be verified for instant deposit please use the 10 days for check verification or take to local bank nope you just denied and said I was a liability and thats it no reason nothing you app should be 10X better then it is where u give a response on why u can’t verify a account at the time and give other options not just say try when writer is available or check photos so that when ppl try again they don’t get denied and found a liability.Kclady83Version: 4.9.7

✓ Seriously look into it, And read my reviewAfter signing up for this thro PayPal giving them my SSN. DOB. Phone number. Address. Pretty much enough info to make a clone, I go to use it and the first time wouldn’t read the check. Weeks go past go to use it on another check, “Can’t Identify me” idk how, they have info about me I didn’t even know about. Call there service I get handed off to 10 different people to only have them tell me I have to “call this number” you call it’s a robot voice asking for my SSN so like the idiot I am trusting a app PayPal offered assuming “hey it’s PayPal there like the body Guards of the online money transaction’s” I give my SSN and DOB just to have it say your account has been canceled (or something like that) so basically feel like I been F$&@ed. Can’t believe PayPal would let some sketchy stuff like this happen. I’m waiting for them to blame the Russians... so morel of the story DONT USE THIS APP!!.That Guy AyyyyyVersion: 4.8.6

✓ Horrible, Awful, Very BadTLDR; SCAMMY GARBAGE, DON’T BOTHER I decided to use this app directly, since its the same cashing service PayPal uses, to cash a Christmas check from a relative. After going through the whole setup (SSN, add a bank account, etc) and taking photos of the check, they declined to cash it for unspecified reasons and closed my account. I tried contacting customer support for more information because that was weird (no email, no reasoning, just “this account does not exist”. Ok, I have verification emails from you but whatever) only to find out they don’t have humans to talk to! And their chat is definitely either a bot or bad outsourcing. I should have looked up the reviews for this app before using it because its apparently trash. I feel like I was just scammed out of my personal information, and they have the bank information off someone else’s check. I’m appalled Apple certified this app for the store, and disgusted PayPal wound use some hack job “banking” company for their services. SCAMMY GARBAGE..Wednesday EhVersion: 4.9.1

Ingo Money App - Cash Checks works most of the time. If it is not working for you, we recommend you excersise some patience and retry later or contact Ingo Money App - Cash Checks.