Complaints

This profile includes complaints for LendNation's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  LendNation

  8208 Melrose Dr Shawnee Mission, KS 66214-1626

• 

  LendNation

  11824 Blue Ridge Blvd Kansas City, MO 64134-3719

• 

  LendNation

  1716 Central Ave Kansas City, KS 66102-4945

• 

  LendNation

  129 W Dennis Ave Olathe, KS 66061-4301

• 

  LendNation

  7017 N Oak Trfy Gladstone, MO 64118-2558

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/09/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I actually did got a loan from Lend Nation and I can say that they are not lower the price and I will send you 2 pictures of that the loan was $400 an I paid will over $400

  Business Response

  Date: 04/17/2024

  It is unclear from the complaint what precisely the consumer has an issue with, but it appears to be the repayment amount. Our investigation revealed that on July 20, 2023, the consumer took out a line of credit at one of our Kansas branches. As part of that process, the consumer entered into a **** ** ****** Agreement and Account Opening Disclosures with the Company, wherein the consumer agreed to borrow $400 and repay it on a monthly basis at an APR of 269%. Interest accrues on the account throughout the month and the consumer is required to repay a minimum payment amount, which is equal to accrued interest plus 3% of the principal amount. The consumer has made several payments on the account. However, similar to a credit card, the monthly minimum amount due is the amount required to keep the line of credit in a “current” status. As disclosed in the agreement, payments greater than the “minimum amount due” are required to pay off the line of credit. In addition, on February 1, 2024, the consumer took another draw on the account for $65, which subsequently increased the amount due in subsequent payments. If the consumer is having difficulty with payments or has other questions regarding the account, we encourage them to contact a branch or our online team to explore alternative repayment options.

  Customer Answer

  Date: 04/18/2024

   
  
  Complaint: ********
  
  
  I am rejecting this response because:

  They should help out do with refunds and help with their mistakes on their own terms 
  
  
  
  Sincerely,
  
  
  
  *********** *********

• Initial Complaint

  Date:04/07/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  When looking at my credit report I noticed a negative account hurting my score that I had not noticed before,it states that I have a balance of $642 owed to 08 ********** ***** **** and the funny thing about it is that if they intended to try in some way scam me than you'd figured they might have used some intelligence into the time frame of this so called negative account balance that I with them "opened" on 3/05/2024 and "reported" on 3/15/2024 than that to me says that I was given approximately 10 days in which to pay the loan back and they sure didn't waste any time to issue it right before tax season was closing, I truly do not want to seek any compensation, only ask that it be removed and off of my report asap, thank you.

  Business Response

  Date: 04/17/2024

  Upon receipt of this complaint, the Company immediately investigated. Our investigation revealed that the consumer took out a loan on August 9, 2019. That loan was issued by NCP Finance, with QC Financial Services of Texas, Inc. servicing the loan as a Credit Service Organization under the laws of Texas. That loan was not repaid and all collection efforts were exhausted. The account was sold to nationwide ******* ********* *** on August 6, 2020. The Company does not have visibility into ********** ******* ********, as it is unaffiliated with QC Holdings, but we have made them aware of the complaint.

• Initial Complaint

  Date:02/22/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Ok first we talked through a window. It was never explained to me but in a paragraph she read off a piece of paper. Had she pointed at the numbers I would of never gotten the loan. I received 660 and. Have to pay them 2305. Thats robbery taking advantage of them. My goodness. I was in a d out of there in 8min.

  Business Response

  Date: 03/01/2024

  See attached response and let us know if you need anything else.

  Dear Consumer Relations,
  
  On February 22, 2024, QC Financial Services, Inc. (“QC”) d/b/a LendNation received a letter from
  the Better Business Bureau of the Midwest Plains regarding a complaint filed by Ms. ********
  ****** relating to her loan with QC. Upon receipt of the complaint, the Company immediately
  investigated the allegations by Ms. ******
  
  On November 2, 2023 Ms. ****** initiated an installment loan with QC. Ms. ****** subsequently
  refinanced that loan on December 26, 2023, which is the loan to which Ms. ****** makes reference
  in her complaint. Specifically, Ms. ****** states that she would not have gotten the loan had she
  known she would be required to pay the loan back with the finance charge, equalling $2,305. We
  do note that this is the second loan that Ms. ****** has obtained, with substantially similar terms
  to the first.
  
  It is unclear in Ms. ******’s complaint exactly what “paragraph [the Customer Service
  Representative] read off a piece of paper,” but it is clear that it was information regarding the loan.
  In addition, every borrower, including Ms. ******, signs, either manually or electronically, the loan
  contract. In each scenario, the loan contract is presented to the borrower. In accordance with the
  Truth-In-Lending Act, prominently displayed on the front page of the contract are the APR, the
  Amount Financed, the Finance Charge and the Total of Payments. Ms. ******’s contract was
  displayed as follows:
  
  As noted above, the cost of any credit transaction is prominently displayed to the consumer prior
  to the consumer executing the contract.
  
  QC believes this letter responds to all complaints raised by Ms. ****** in her letter. If there are
  additional open items, please contact us. Contact information can be found in the header above.
  We would be happy to discuss any part of this with you further.
  
  In the meantime, we will reinforce with all branch personnel the importance of reviewing the loan
  terms with applicants. If Ms. ****** is now concerned regarding the amount of the finance charge,
  we do note that the loan can be paid in full at any time, without penalty, which will greatly reduce
  the total amount of interest accrued on the loan. If Ms. ****** is otherwise having difficulty meeting
  her obligations under the contract, she can contact the branch to make payment arrangements.
  
  Sincerely,
  QC Financial Services, Inc. d/b/a LendNation

  Thank you,

  ****

• Initial Complaint

  Date:02/06/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I applied on the Lend Nation online site on 02/03/2024 at 1:49pm CST and was shown an amount that I was approved for after submitting my information. It was more than I wanted so I hit cancel. It then generated a denial letter. I called the number on my letter to inquire at 2:20pm CST and was told that anytime you cancel that is a standard letter and I was told I could apply again and after I accept then it will ask of that amount how much of that amount do I want. I applied again and got the same approved amount and this time accepted and got another denial letter. I called back again at 2:38pm CST to inquire again as the letter did not have a specific reason. The company that was used Clarity in part for their reason I went to their website and have a top score with no negative information listed. The company had claimed to be transparent but yet could not provide any information. I talked again to someone today named ******* and explained my concerns and the concern that they ran 3 inquires on my report when there should have been just one. I also explained that the income amount was listed incorrectly as monthly when it should have been weekly. ******* did not offer any proactive resoulutions such as updating the information for an additional review or acknowledge the consistent problems I have had with this company. This company is very unprofessional and is definitely not transparent.

  Business Response

  Date: 02/15/2024

  See attached response and let me know if you need anything else.

  Thank you,

  **** ****

  Dear Consumer Relations,
  
  On February 6, 2024, QC Financial Services, Inc. (“QC”) d/b/a LendNation received a letter from
  the Better Business Bureau of the Midwest Plains regarding a complaint filed by Mr. *******
  **** relating to his application for a loan with QC.
  
  Upon receipt of the complaint, the Company immediately investigated the allegations by Mr. ****.
  On February 3, 2024, twice Mr. **** applied for a loan with LendNation through the Company’s
  online lending platform. The Company’s utilizes an internally developed decision engine to
  underwrite all loan applications that it receives, which utilizes a numer of factors when
  underwriting a loan application. After Mr. ****’s initial loan application, Mr. **** terminated the
  application prior to the application being submitted to our decision engine.Mr. **** then applied
  a second time. Based on the second application, Mr. ****’s application was declined based upon
  the information provided by him.
  
  Mr. **** notes that the Company utilized information from Clarity, which is true. As part of every
  loan application, the consumer consents to the Company contacting credit reporting agencies to
  receive data regarding the customer. During Mr. ****’s underwriting process, the Company
  referenced Clarity for three primary purposes. First to ensure that Mr. **** *s not on the Office of
  Foreign Asset Control list, as required by federal law. Second to ensure that Mr. **** was not an
  active duty member of the military, again as required by federal law. Third to receive certain credit
  information regarding Mr. ****. These credit checks are performed only once per day per
  applicant, but may be recorded as multiple checks because they are checks against different
  databases maintained by Clarity.
  
  As for the difficulties encountered by Mr. **** when calling into the Company, the Company has
  followed up with the employee who assisted Mr. **** to ensure the Customer Service
  Representative is properly trained on how to assist customers.
  
  QC believes this letter responds to all complaints raised by Mr. **** *n his letter. If there are
  additional open items, please contact us. Contact information can be found in the header above.
  We would be happy to discuss any part of this with you further.
  
  
  
  
  Sincerely,
  
  
  
  QC Financial Services, Inc. d/b/a LendNation

  Customer Answer

  Date: 02/26/2024

  Appreciate the company reaching out to discuss the complaint. However It is important for me to have a clear understanding of the decisions made by the company. Without all the information, I am left feeling confused and uninformed. The company has still failed to send me a direct letter with a detailed explanation of the decision made and any relevant information that I may need to be aware of. I ordered a Clarity report and there was nothing on there. I request a detailed letter explaining the specific reasons why my credit application was turned down along with a copy of the report that they used from Clarity as I have verified with Clarity there is no negative information listed at the time of request.

• Initial Complaint

  Date:01/23/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In Late 2021 I paid off a title loan with TitleCash, in Savannah TN. I never received my free and clear Title, and have since moved out of state. The company ceased to operate as TitleCash, and is now known as LendNation. Recently, I contacted the Tennessee Department of Revenue who stated that TitleCash still have a Lien on my vehicle. I contacted LendNation who put me in contact with their central collections. After 30 minutes on the phone, I was informed that they would mail my title to me. I requested a confirmation of this by email which I never received. The Tennessee department of revenue said they could issue me with a duplicate clear title as long as I have official notice from LendNation that 1) they used to operate as TitleCash in TN, and 2). They confirm they have no interests in the VIN for my vehicle. I have attempted to speak with a Lovell *******, manager of collections for QC Holdings, as I was informed he was the only person who could issue such a statement. I have called, left messages and emailed the individual with no response. Each time I call I am forwarded to Mr. *******’s extension and receive no callback. I am unable to register my vehicle until I receive the title or the requested statement.
  
  ***** ***** 

  Business Response

  Date: 02/01/2024

  See attached response and let me know if you have any questions.

  Thanks, 

  ****

  Dear Consumer Relations,
  
  On January 23, 2024, QC Financial Services, Inc. (“QC”) received a letter from the Better Business
  Bureau of the Midwest Plains regarding a complaint filed by Mr. ***** ***** relating to his title
  loan with QC. Specifically, he wanted his title returned to him free of encumbrances.
  
  Mr. ***** took out a title loan on May 21, 2021, with TitleCash. The TitleCash stores and all
  accounts were subsequently acquired by QC. Mr. ***** owes $1,176.72 on the title loan. If Mr.
  ***** can pay off the remaining amount, QC will release the lien from Mr. *****’s title.
  
  As to our collection services, Mr. ***** has only called on January 22, 2024. Our call logs have no
  record of Mr. ***** calling any time relating to his loan before the January 22, 2024 conversation
  with Mr. *******, our Director of Recoveries. On the call, Mr. ******* advised Mr. ***** of the
  balance owed. Mr. ***** requested a balance due letter and Mr. ******* sent it out in the mail on
  January 22, 2024. The balance due letter is attached.
  
  QC believes this letter responds to all complaints raised by Mr. ***** in his letter. If there are
  additional open items, please contact us. Contact information can be found in the header above.
  We would be happy to discuss any part of this with you further.
  
  Sincerely,
  QC Financial Services, Inc. d/b/a LendNation

• Initial Complaint

  Date:01/22/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This business took funds out of my Netspend account without my knowledge the title loan I got was under loan Master so I declined the Ach and told Netspend I didn’t authorize the two charges that showed up because it came in as lend Nation and then one of the accounts I have no knowledge of because I only had one title loan and hadn’t signed nothing saying they could charge my account the day I got the title loan she said she neede a copy of my debit card so if I Calle to make a payment she would have the information they drove to my house three times trying to get me to sign papers on those accounts and I wouldn’t because I had no knowledge they were going to do that especially on two accounts so during this Netspend didn’t return my money until ten days late and stated that after there investigation to see if I gave permission they would take the money back out and they did causing more overdraft fees and I don’t know how they could say I did give consent unless documents were fraudulent give from loan master but I didn’t give consent on phone or signed paperwork and now I’m also taking action with the Banking and Consumer Finance with state of Mississippi.
  This has created a lot of issues for someone whose disabled and I don’t want anyone else to be done like this

  Business Response

  Date: 02/01/2024

  ****See attached response and let me know if you have any questions.

   

  Dear Consumer Relations,
  
  On January 23, 2024, QC Financial Services, Inc. (“QC”) d/b/a LendNation received a letter from
  the Better Business Bureau of the Midwest Plains regarding a complaint filed by Mr. ****** ******
  relating to his title loan with QC.
  
  Mr. ****** took out a title loan on August 12, 2023, with LendNation for $600.00. His regular
  monthly payment was $158.54. Mr. ****** missed his first payment in September and failed to
  state why he missed his payment. For his October payment, Mr. ****** called our branch and paid
  with a Netspend card for both payments. When Mr. ****** saw the charge from LendNation on
  his Netspend card, he disputed the charges. Mr. ****** contends that he took out a loan with
  LoanMaster and not LendNation. QC challenged the dispute and returned the proper paperwork to
  Netspend and won the chargeback dispute. Mr. ****** is now refusing all calls and attempts to
  contact him to repay his loan.
  
  Mr. ****** is now in default and has made one default payment in cash on January 10, 2024. Mr.
  ****** needs to call or come into a branch and make a plan to pay off the $896.79 balance.
  
  QC has attached the contract, signed by Mr. ******. It has all the necessary authorizations and
  signatures. QC believes Mr. ****** was confused about the name of the branding of our stores as
  LendNation, with another similar name, LoanMaster. He stopped payment due to this confusion
  and has gotten behind on payments.
  
  QC believes this letter responds to all complaints raised by Mr. ****** in his letter. If there are
  additional open items, please contact us. Contact information can be found in the header above.
  We would be happy to discuss any part of this with you further.
  
  Sincerely,
  
  
  QC Financial Services, Inc. d/b/a LendNation

  Thanks,

  ****

  Business Response

  Date: 02/01/2024

  See attached response and let me know if you have any questions.

  Thanks,

  ****

  Customer Answer

  Date: 02/01/2024

  These statements aren’t true and I can prove I didn’t call them and they didn’t call me letting me know and the charges that was charged was one with my account number on it and the other was for another account that I’m not even on  and the paper work they sent to Netspend stating I signed was not my signature I have never written a B like that in my life just look at all the other B’s and look how someone tried to imitate my signature on the ACH DOCUMENT IS FORGED.The manger Sharkia Ramey came to my house trying to get us to sign papers but I didn’t because there’s no authorization been given when this took place and by her words they charged my account for mine and another account I have nothing to do with.we can get my phone records and their phone Records and prove I didn’t give permission and nether did I sign no form when the vehicle was the collateral so somebody is lying and it’s not me I’m going to prove it if it’s the last thing I do this loan took place on 08/12/23 Saturday around 1:30pm and I didn’t even receive a copy of contract that’s my fault but I’m telling you I had no idea this was going to happen I’ve never had any issues on the other loans that took place with this company or Lend Nation but I’m not going to be lied about when I know what those employees did and said.They breached the contract not me.Just for the record why would I use a debit card as security when the vehicle was the security for the loan that’s why it was a title loan not a bank loan

  Customer Answer

  Date: 02/01/2024

  
  
  Complaint* ********
  
  
  
  I am rejecting this response because:
  
  
  
  Sincerely,
  
  
  
  ****** ******

• Initial Complaint

  Date:12/18/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I borrowed 1471.00 in February. I have paid payments of 443.73 until October. I called to see what payoff was ànd was told 1800 plus. They have now pulled money out of my account for over 900 dollars today. Bank says they used my husband's card which they are not authorized to use. So far they have received $4437.30 for a 1400 dollar loan and say I have 2 mote payments

  Business Response

  Date: 12/22/2023

  December 19, 2023
  
  VIA BBB Upload
  Better Business Bureau
  Midwest Plains
  ***** * ***
  ****** ** *****
  ************
  www.bbb.org
  
  
  Re: Complaint ID: ********
  
  Dear Consumer Relations,
  
  On December 18, 2023, QC Financial Services, Inc. (“QC”) received a letter from the Better
  Business Bureau of the Midwest Plains regarding a complaint filed by Mrs. ***** ********
  relating to her installment loan with QC.
  
  Mrs. ********’s complaint is twofold. First, Mrs. ******** states the payoff amount is “1800
  plus” for her loan. Second, she states QC has used her husband’s card to withdraw payment.
  
  On February 3, 2023, Mrs. ******** obtained an installment loan in the amount of $1,471.27 with
  twelve payments scheduled monthly, beginning on March 15, 2023. The monthly payments are
  $443.78. To date, all but the final two payments have been made. The December 15th payment was
  not made and the January 15, 2024, payment is yet to come due.
  
  As noted above, Mrs. ******** believes her final payoff amount is over $1,800.00. However, Mr.
  ********’s payoff amount at the time of this correspondence is $917.53. Her past due amount is
  $443.78. Mrs. ******** can pay off her past due amount to bring her account out of "delinquency”
  status to “current” status or pay off the remainder of the loan and close out the loan. As has been
  the case throughout the course of the obligation, there is no penalty for early payoff.
  
  As is noted in the attached copy of the first page of Mrs. ********’s contract, the Federal Truth-
  in-Lending disclosure located prominently on the first page clearly indicates the finance charge and
  the total due under the contract.
  
  At the time that Mrs. ******** initiated the loan, she provided us with a debit card and provided
  us with a recurring pre-authorization to utilize the card for payments. The authorized card was run
  on consecutive days recently due to the payment being sent back due to insufficient funds. The two
  attempts to withdraw the money almost equaled $900.00 because there were two attempts to
  withdraw the single payment of $443.73, which is the regularly monthly scheduled payment.
  
  If there are any additional open items, please contact QC. Contact information can be found in the
  header above. QC is happy to discuss any part of this further.

• Initial Complaint

  Date:12/12/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This complaint is directed towards LendNation in Madison, WI for their deceptive business practices, poor customer service, and rude employees.
  
  I arranged a loan with *******, which was originally for 13 payments of $168 that she explained to me in person. However, the loan terms changed during the loan, and the number of payments and interest increased! After explaining this to another employee named ******, she was extremely rude and would not allow me to speak to *******, who I arranged the loan with. She told me nothing could be done and it’s not illegal for them to change their interest rates during the loan.
  
  Additionally, store employees engage in harassing behavior by repeatedly calling, on occasion multiple times in one day!

  Business Response

  Date: 12/15/2023

  See attached response and let me know if you need anything else.

  On December 12, 2023, QC Financial Services, Inc. (“QC”) received a letter from the Better
  Business Bureau of the Midwest Plains regarding a complaint filed by Mr. ***** **** relating to
  his refinanced installment loan with QC.
  On December 11, 2023, Mr. **** called into the branch and stated he was unaware of the thirtynine-payment schedule and believed the loan to be thirteen payments.
  Mr. ****** original loan is from October 19, 2022. He has refinanced on two occasions. Mr. ******
  most recent refinanced loan is dated June 20, 2023. At this time, he signed a refinanced with QC in
  the amount of $1,567.17. He currently owes $1,915.63.
  On the first page of the most recent agreement, labeled “Consumer Installment Loan Agreement”,
  the federally mandated Truth-In- Lending Disclosures are listed. The listed items include: the
  annual percentage rate, finance charge, the amount financed, the total amount of payments and the
  number of installment payments. The rates and payments are clearly and conspicuously displayed.
  Throughout the written contract, these terms and repayment schedules are clearly stated several
  times. Although not a part of the actual contract, the last two pages of the contract consist of the
  Loan Repayment Schedule, which is included for greater clarity to the customer. This schedule lists
  the number of payments, the due date, the payment amount, and a breakdown of principal verses
  interest allocated for each payment.
  The first payment for this new refinanced loan was due on June 30, 2023. The biweekly installment
  payments started two weeks later. The payments will end on December 13, 2024. Mr. **** has
  missed several payments throughout his loan history with QC but would make his payments late or
  within a reasonable time. However, in mid-November and early December, Mr. **** missed two
  of his biweekly payments and has not caught up.

   

   

  Thank you,

  **** ****

  Business Response

  Date: 12/22/2023

  See attached response and let me know if you need anything else.

  Thank you,

  **** ****

  Dear Consumer Relations,
  
  On December 12, 2023, QC Financial Services, Inc. (“QC”) received a letter from the Better
  Business Bureau of the Midwest Plains regarding a complaint filed by Mr. ***** **** relating to
  his refinanced installment loan with QC. On December 18, 2023, QC received a rejection of QC’s
  response to the original complaint.
  
  Mr. ****** complaint is that his payment amount for his biweekly payment went up, therefore, his
  number of payments should go down. Again, Mr. ****** original loan is from October 19, 2022,
  when he received a payout of $400.00. His biweekly payments were determined to be in the amount
  of $49.08. There were 39 total payments on this plan.
  
  On January 12, 2023, Mr. **** refinanced for the first time. Mr. **** still owed $446.53 on his
  original loan. Mr. **** decided to take out another $500.0 and refinance his existing loan. As such,
  Mr. **** then owed $946.53 on his refinanced loan. His biweekly payments were in the amount of
  $101.88. There were 39 total payments on this plan.
  
  Mr. ****** most recently refinanced his loan on June 20, 2023. At this time, he still owed $885.38.
  Mr. **** elected to take out an additional $681.79. The total for Mr. ****** loan at this point was
  $1,567.17. His biweekly payments are $168.68. There are 39 total payments on this loan.
  
  As stated in our prior response, throughout the written contract, these terms and repayment
  schedules are clearly stated several times. Although not a part of the actual contract, the last two
  pages of the contract consist of the Loan Repayment Schedule, which is included for greater clarity
  to the customer. This schedule lists the number of payments, the due date, the payment amount,
  and a breakdown of principal verses interest allocated for each payment.
  
  
  
  Mr. **** is now several payments behind, and his total payoff amount is $1,979.43. He is in
  delinquent status and needs to make a payment of $581.92 to become current with his loan
  payments. Mr. **** needs to call in to our office and discuss a payment arrangement.
  
  
  
  If there are any additional open items, please contact QC. Contact information can be found in the
  header above. QC is happy to discuss any part of this further.

  Customer Answer

  Date: 12/26/2023

   
  
  Complaint: ********
  
  
  
  I am rejecting this response because: ********** continues to engage in unfair/illegal practices. They’ve called multiple family members to disclose my loan information, in violation of federal and state laws. I request ********** to refrain from making contact with any relatives, friends, coworkers, etc. regarding the loan. They do not have my permission to contact anyone else about this loan.
  
  
  
  Sincerely,
  
  ***** ****

• Initial Complaint

  Date:10/10/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On August 28, 2023 I went in ********** ***** **** gotten a title loan for $500 which I was told that it would not be sent off if it was lower than that amount it’s going on October. I paid out to get my title a week ago and they are telling me that they still do not have my title, it’s going on seven weeks now saying that it should’ve been there no longer than four weeks after being sent off I’ve paid for my title and they still have my property. I’ve contacted corporate and I will take further action.

  Business Response

  Date: 10/13/2023

  See attached response and let us know if you need anything else.

  Thanks,

  **** ****

• Initial Complaint

  Date:09/21/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ********** has been attempting to reach me via phone 3 to 4 times daily. I have mentioned to them multiple times I cannot between the hours of 7:30am and 7AM Mon- Friday and 9am - 4pm Saturdays t(My work hours) take personal phone calls to my cell or even my office where I work. I have since received an email from ******** ******. Emails are easier ways to contact me and I even responded to the first one explaining the major issues that have gone on that have caused me to fall drastically behind on my payments, I'm not denying I have a loan with them in one bit. But, I have now attempted to respond to them to which I gained no reply just another duplicate email from the same rep requesting contact be made. In my email I explained the car broke down and money went to try to fix it, which has not yet been completed as no one can figure it out, and personal property tax on it. Then I have been having short checks due to medical issues and finally out of work for over a week due to a major surgery. I don't get the point in sending emails when they refuse to respond to the reply a customer sends them unless its a duplicate statement.

  Business Response

  Date: 10/02/2023

  See attached response and let us know if you need anything else