Check City: most-reported complaints
Automated analysis of 383 public Trustpilot reviews published 2025-04-29 to 2026-09-20. TrustScore 4.9 from 4,001 total reviews — see the Trustpilot page. Quick answer: is Check City legit? Issues below reflect what reviewers reported, not findings of wrongdoing.
Reviewers most often report issues categorized as 'Other,' accounting for 29% of the 42 identified complaints. Account and app problems are the next most frequent concern, cited in 24% of complaints. Billing errors and unhelpful support each represent 14% of the reported issues.
How to reach Check City
These are the contact details Check City publishes on its Trustpilot profile, as of our last check on 2026-09-24 — phone (800) 404-0254, email [email protected], address PO Box 970028, Orem, 84097, US.
The company claimed its Trustpilot profile on 2019-06-28, uses Trustpilot’s paid features, uses Trustpilot’s AI-assisted replies, and last replied to a negative review on 2026-09-14. Trustpilot ranks it 10 of 84 in Loan Agency. We last checked this profile on 2026-09-24 and found 7 new reviews. These are facts Trustpilot publishes about the profile, as of our last harvest.
TrustScore over time
4.9 → 4.9 across 13 census measurements since 2026-08-17. Our own record, independent of Trustpilot’s display.
Reply behaviour over time
Solid: % of negative reviews replied to. Dashed: typical days to reply. Both as reported on this company’s Trustpilot profile, recorded whenever our census re-checked it and a figure had changed — the gaps between points are not equal: 2026-08-17 (100%, 2.0d) · 2026-08-20 (100%, 2.0d) · 2026-08-24 (100%, 2.0d) · 2026-08-27 (100%, 2.0d) · 2026-08-30 (100%, 2.0d) · 2026-09-02 (100%, 2.0d) · 2026-09-08 (100%, 2.0d) · 2026-09-11 (100%, 2.0d) · 2026-09-14 (96%, 2.0d) · 2026-09-17 (97%, 2.0d) · 2026-09-21 (97%, 2.0d) · 2026-09-24 (97%, 2.0d).
Severity: 12% of this company’s 42 graded complaints were classified as severe (money lost, an essential service cut off, or a problem unresolved for months). See the harm index.
Reviewers here waited a median of 1.0 days between the experience and publishing their negative review (64 reviews record both dates).
Measured reply time: across 54 negative reviews that received a public reply, the median wait was 2.6 days — the company profile reports an average of 2 days.
Reply quality: of 54 company replies to negative reviews analysed, 44% engaged with the specific problem and 52% were generic templates.
24% of its 328 recent 5★ reviews came from accounts that had written only that one review when we captured it (the median across companies is about 39%). A high share is a reason to look closer, not evidence of fake reviews.
Sector benchmark: other makes up 29% of this company’s complaints vs a 22% median across 249 ranked companies in its sector.
Review velocity: 1,776 of this company’s 4,001 Trustpilot reviews (44%) were written in the last 12 months.
What are the most common complaints about Check City?
Other
12 reports · 29% of complaintsrising since 2026-05“I am now confused and angry because I was unaware of this.”
The company replied on 2026-09-03: “Dear Brianna, We’re sorry for the confusion and the conflicting information you received. We’re glad our team was able to speak with you directly and resolve the immediate concern. Loan eligibility…”
Our classifier read this reply as a substantive response.
“Coupon codes don’t work!”
The company replied on 2026-07-28: “Hi Nicole, We’re sorry the promotional code did not work as expected. We have applied the discount to your account and are investigating why the code was not valid. We truly value your loyalty and…”
Our classifier read this reply as a substantive response.
It promised: to escalate.
“JERKED US AROUND A WEEK”
The company replied on 2026-06-23: “Thank you for sharing your feedback. We're sorry to hear about your experience and understand how frustrating it can be when an application doesn't receive the outcome you were hoping for. Loan…”
Our classifier read this reply as a template response.
Account/app problems
10 reports · 24% of complaintsfalling“There was a problem processing the loan”
The company replied on 2026-08-05: “Hi Kelly, Thank you for sharing your feedback. We’re glad your transaction was ultimately completed, but we’re sorry the process did not go as expected. We take any unexpected issue seriously and…”
Our classifier read this reply as a substantive response.
It promised: to escalate.
“One significant glitch -- the first text-sent link -- made what should have been a nice 10 minute process an hour-plus effort.”
The company replied on 2025-11-18: “We’re really sorry for the frustration you experienced. Your feedback helps us improve the process for everyone. Thank you for your patience!”
Our classifier read this reply as a template response.
“is now being rejected by your system and there is nothing wrong with the card”
The company replied on 2025-08-04: “Michael Habgood, Thank you for reaching out and bringing this to our attention. I’m sorry to hear you're experiencing issues with your card, especially after using it successfully for so long. I…”
Our classifier read this reply as a substantive response.
It promised: to escalate.
Support unhelpful
6 reports · 14% of complaintsfalling“Now it's showing the past due as over $1000.”
The company replied on 2026-01-16: “We’re sorry to hear about your experience and appreciate you sharing your concerns. Our records show that scheduled payments were submitted from our system in accordance with the payment arrangement…”
Our classifier read this reply as a substantive response.
1 reader marked this review helpful on Trustpilot.
“it turns out she was wrong and I did send my payment? weeks ago they let me know I overpaid and they owed me $300?”
The company replied on 2025-12-03: “Rusel, We appreciate you bringing this to our attention. We are concerned to hear about the difficulties you’ve experienced regarding your refund and the delivery of the check. We want to assure you…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
“Instead of explaining things to me she was a “yeah but” girl”
The company replied on 2026-03-18: “Gina, we’re very sorry to hear about your experience. This is not the level of service we expect or strive to provide, especially for a long-time customer like you. We take feedback like this…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
Billing errors
6 reports · 14% of complaintsrising since 2026-05“Now it's showing the past due as over $1000.”
The company replied on 2026-01-16: “We’re sorry to hear about your experience and appreciate you sharing your concerns. Our records show that scheduled payments were submitted from our system in accordance with the payment arrangement…”
Our classifier read this reply as a substantive response.
1 reader marked this review helpful on Trustpilot.
“it turns out she was wrong and I did send my payment? weeks ago they let me know I overpaid and they owed me $300?”
The company replied on 2025-12-03: “Rusel, We appreciate you bringing this to our attention. We are concerned to hear about the difficulties you’ve experienced regarding your refund and the delivery of the check. We want to assure you…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
“They say they're charging me Interest when they didn't tell that from the get-go”
The company replied on 2025-12-02: “Dear Tim, Thank you for sharing your concerns. We’re truly sorry to hear you feel this way, and we understand how frustrating it can be when something on a loan doesn’t make sense. We want to assure…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
Overcharging
4 reports · 10% of complaintssteady“id payment go up and is my last time bc I thin they need for good customer give same like before or lower”
The company replied on 2026-02-27: “Slavica, Thank you for being a loyal customer and for always paying on time — we truly appreciate that. Payment amounts can vary slightly depending on the loan amount and the payment start date, but…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
“I just think the percentage I have to pay back is double then what I ask for.”
The company replied on 2026-01-08: “Thanks for your feedback! Payday and installment loans can be a really helpful option when life throws surprises your way. In many cases, they can actually cost less than things like overdraft fees…”
Our classifier read this reply as a template response.
“Fees are super high though :(”
The company replied on 2026-07-02: “Thank you for sharing your feedback. We understand that the cost of short-term lending can feel high, and we appreciate the opportunity to respond. Our goal is to provide a clear, convenient option…”
Our classifier read this reply as a template response.
Misleading pricing
2 reports · 5% of complaintsfalling“I try applying for the loan and was approved but when i tried to sign ,come out that i going to pay back double”
The company replied on 2025-06-27: “Thank you for sharing your concerns, Slavica. We’re sorry to hear about your experience and understand how important it is to have clear information before making any financial decision. Our goal is…”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
“They say they're charging me Interest when they didn't tell that from the get-go”
The company replied on 2025-12-02: “Dear Tim, Thank you for sharing your concerns. We’re truly sorry to hear you feel this way, and we understand how frustrating it can be when something on a loan doesn’t make sense. We want to assure…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
Compare Check City with…
Method: reviews are classified into a fixed complaint taxonomy by an automated reader; every category shown is backed by at least two verbatim quotes from distinct reviews. Trends are computed from dated review counts only. Negative reviews are deliberately over-sampled for evidence depth; headline percentages use an unbiased recent sample only. Report updated 2026-09-21.