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QC Holdings, Inc. has locations, listed below.

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    ComplaintsforQC Holdings, Inc.

    Payday Loans
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    Complaint Details

    Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.

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    Complaint Status
    Complaint Type
    • Complaint Type:
      Billing Issues
      Status:
      Answered
      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

      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 response

      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,

      *********** *********

    • Complaint Type:
      Billing Issues
      Status:
      Answered
      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

      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.
    • Complaint Type:
      Billing Issues
      Status:
      Answered
      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

      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

      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 response

      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,
      ***** ****
    • Complaint Type:
      Billing Issues
      Status:
      Answered
      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

      10/13/2023

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

      Thanks,

      **** ****

    • Complaint Type:
      Customer Service Issues
      Status:
      Answered
      ********** 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

      10/02/2023

      See attached response and let us know if you need anything else
    • Complaint Type:
      Billing Issues
      Status:
      Answered
      I received a call stating that I missed a payment. I stated to the people that I have no idea what they were talking about they stated I was missing payments of a loan that I acquired from them. I stated I haven’t received a loan nor any cash from them since the last time that I got a loan. No one in my family or anyone of my friends have put a loan under my name and I’m not going to pay for something that I never agreed to. I can’t even get into my account that is through them. Now they are harassing my previous references

      Business response

      10/02/2023

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

      Customer response

      10/02/2023


      Complaint: ********

      I am rejecting this response because: 

      I had nothing to do with the loan that you are referring to. The payments ended because I noticed that I was missing money to find out that it was coming from **********. As stated before I haven’t received a loan from them since earlier in the year. That loan was paid off and never intended to get scammed through them again. 

      Sincerely,

      ****** *******

      Business response

      10/12/2023

       

      On September 19, 2023, QC Financial Services, Inc. (“QC”) received a letter from the Better Business Bureau of the Greater Kansas City Area regarding a complaint filed by *** ****** ****** relating to her loan with QC.  QC responded to her complaint on September 29, 2023, which *** ****** rejected and restated that she did not make a loan out from QC.  *** ****** has stated that she has not received any money since her initial loan and is receiving calls about delinquent payments and not being able to access her account online. She is disputing that she took a loan out, paid it off and did not take out a loan on May 26, 2023. The timeline is as following:    1) On May 26, 2023, *** ****** took out an installment loan in a QC branch. Bank statements and identification were verified at the store, identifying *** ****** as the individual who was taking out the loan.  2) *** ****** was delinquent on this loan and refinanced the loan on July 6, 2023, which she did online.  3) In our system, by refinancing the loan online, this closed out her original store loan and created a new online loan. No money was dispersed to *** ******.  4) On July 7, 2023, *** ****** called QC and discussed the refinance with our call center. A recording of the call with *** ****** has been retrieved, wherein she discussed the refinance she had done online the previous day, was curious how the refinance worked, and our Customer Service Representative explained the refinancing process. The payments were lowered from her normal payment of $274.00 down to $234.65 through the refinance.  Her balance at the time was $1,883.67, from the original loan. During the phone conversation, *** ****** explicitly asked for another cash disbursement; however, due to her payment history, QC was unable to disperse any more funds.  5) No payments were made on the refinanced online loan.  6) On September 11, 2023, *** ****** disputed the payment she made on the storefront loan from June 6, 2023, which created a chargeback to QC. The cash was withdrawn from QC and given back to *** ******.  7) Because of the chargeback from *** ******, this action created a debt amount. When the debt amount opened in QC’s system, it was immediately defaulted, which notified our central collections department to begin the collection call process.       If *** ****** has any inquiries into how much she owes or is having any issues with logging into her account, she is encouraged to call into our central collection’s office at 1- 800-660-5542.  QC believes this letter responds to all complaints raised by *** ****** 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.     

       

      Sincerely,    QC Financial Services, Inc. d/b/a ********** 

    • Complaint Type:
      Service or Repair Issues
      Status:
      Resolved
      Today at 9:15am I was contacted by Midland Recovery services ************ They claim I owe $1,200 or $1,266 for a loan from Quick cash holdings. I tried to ask questions to dispute and I was hung up on. I proceeded to call quick cash holdings and was unable to reach anyone. I left a voice mail stating I have never opened an account with them. I then called midlands recovery back and was told I supposedly opened an account in 2018 which I never did and was unable to get any information to dispute the charges and caller seemed very rude. I'm unsure how they got any of my information.

      Business response

      06/21/2023

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

      Thank you.

      Dear Ms. *******
      On June 12, 2023, QC Financial Services, Inc. (hereinafter “QC”) received a letter from the Better
      Business Bureau of Greater Kansas City regarding an inquiry filed by Ms. ******* **** The inquiry
      relates to a loan agreement. Ms. *** does not believe she opened an account with “Quick cash
      holdings” back in 2018.
      Ms. *** is correct; in that, she does not have a loan with QC. She does not have an account, nor do
      we have any information on Ms. ***, after searching for her by name, phone number and email
      address. Although QC does not have an account or loan, QC would suggest trying to see if the loan
      is with another financial institution.
      We believe this letter responds to all inquiries 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.
      Sincerely,
      ** ********* ********* **** ***** ********** 

       

      Customer response

      06/21/2023

      ** ******* ****** ** ******** **** ***** ********* **** ********** ** *** ********** *********  ** *** ***** *** *** ****** ** ****** ******* **** ****** ******** ******* * **** ******** *** ******** **** ** *** ******** ** ********* ** ********* ** ********, and find that this resolution is satisfactory to me.

      Regards,

      ******* ***
    • Complaint Type:
      Billing Issues
      Status:
      Answered
      I took a credit line with **** ****** 6 months ago that totalled $1,000. my payments were to be around $250 on the 18th of each month. I lost my job & ended up missing 2 payments in a row & this morning April 13th **** ****** pulled $450 from my account. They added both missed payments, interest & everything to my principal balance so now I have a credit line showing I owe $2,000 & my payments are now suddenly $450 & being taken out whenever in the month they want to take it out. I spoke to the manager about this & she was to correct it after their new credit line was in affect April 1st but that did not happen, instead they pulled the payment & overdrafted my entire checking account. This isnt right. I cannot afford $450 a month payment when only $8 of that is going towards my principal balance. This isnt right what they are doing.

      Business response

      04/27/2023

      On April 14, 2023, QC Financial Services, Inc. (hereinafter “QC”) received a letter from the Better
      Business Bureau of Greater Kansas City regarding an inquiry filed by *** ****** ******** The
      inquiry relates to a loan agreement and missed payments. *** ******* wishes to know why her
      loan is still accruing interest and the payments involved.
      After review, we determined *** ******* signed a contract for a Line of Credit Agreement on
      November 18th, 2022. The account was opened and has an initial credit limit of $2,000.00 and the
      initial advance was $550.00. There were seven more disbursements on this account totaling
      $817.02 between the account opening in November through January. The total amount loaned is
      $1,367.02. In the Line of Credit Agreement, *** ******* agreed to grant a Recurring Debit
      Authorization to QC associated with her bank account. Under the terms of the agreement, **.
      ******* agreed that if any payment due is returned in full, then QC would be allowed to re-present
      the amount due for a period of 90 days following the payment due date shown on the statement.
      *** *******’s loan was due in monthly payments on the 18th of each month. *** ******* failed to
      make a payment on the loan in February, which caused: (i) the capitalization of the interest from
      the missed payment and (ii) a resulting increase in the payment for March of $424.99. On March
      18, 2023, the consumer’s Debit Card was charged the $424.99, which was returned immediately as
      unpaid. According to the terms of the contract, QC had the right to re-present the payment within
      the 90-day timeframe. On April 14, 2023, QC attempted to represent the returned amount of
      $424.99.
      The above-described process for the representment of returned payments is disclosed in the loan
      agreement and complies with the credit card operating rules. If *** ******* is having difficulty
      making her payments, our personnel at the store will have more information on how best we can
      be of assistance.
      We believe this letter responds to all inquiries raised by *** ******* 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.
      Sincerely,
      QC Financial Services, Inc. d/b/a **********
    • Complaint Type:
      Billing Issues
      Status:
      Answered
      They raised the interest rate higher than i can afford and took money out of my account unauthorized they have been screwing people left and right they are not a good business to be accommodated with

      Business response

      01/31/2023

      Upon receipt of this complaint, the Company immediately investigated. Our investigation shows that on October 31, 2022, the consumer refinanced an existing intallment loan with us. Per her contract, her first payment was due on November 11, 2022. The consumer set up her account, providing a pre-authorized debit consent. When we deposited the consumer's payment, it was returned as unpaid, but it was represented on December 1, 2022, successfully. However, the consumer also missed her next two payments on, November 25th and December 9th. Each of these payments initially failed, but were represented successfully. On December 23rd, the Company was notified that the card associated with the pre-authorized debits was no longer valid. We have received no further payments from the the consumer.

      We note that over the course of the time that the consumer has utilized our services occasionally since 2019. Over the last four years, the Company has adjusted its rates, however, rates do not change once a loan is issued. The rate on the loan will remain the same rate throughout the time of the loan.

      We continue to be prepared to discuss with the consumer the ability to enter into a payment plan

    • Complaint Type:
      Billing Issues
      Status:
      Answered
      never made a transaction, getting a flood of calls with rude people claiming i owed a unpaid debt to this company, ive reached out 2x with no response, the collection firm is refusing to provide me any information to dispute said debt.

      Business response

      01/31/2023

      Upon receipt of this complaint, the Company immediately investigated. Based on the information provided in the complaint, we do not a loan associated with the consumer. To confirm, QC Holdings, Inc. is not collecting on any loan for this consumer. We do have a record that the consumer called QC Holdings on January 17th, inquiring if he owed anything. We confirmed with the consumer that there is no loan or debt history with QC.

      The Company recommends that the consumer request debt validation from the entity attempting to collect.

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