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:04/14/2025

  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 was contacted out of the blue by this company called QC Holdings dept of so-call legal services...they tried to have me identified myself as the person they trying to pin this case number to. I ask what is this about, they could not articulate what this call was for but tried to get me to identify as the person they're trying to reach. I told them if you don't know who I am how did you get my name and number to call in the first place, once I said this coming off as fraud. They hung up the phone. I called them back and they knew it was me calling them again and they knew who was calling. Then they tried to bark off a case number, once again ask what is this for? They finally said something about a loan from 2014. I told them I never applied for a loan in 2014. They then said will I settle this case or they going to send it to St Louis County...I said send it the St Louis County and let's go to court, they hung up the phone. They didn't even say what the amount was or any other information.

  Business Response

  Date: 04/15/2025

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

  Thanks, 

  **** ****

• Initial Complaint

  Date:03/26/2025

  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 receieved a loan at lend nation in Oct 2024 for 300.00. I went in December to speak with the customer rep she said it was 700.00 and only 10.00 was being paid toward the loan from the 84.63. I understood the process but i could not understand why the balance continues to increase every two weeks. I went in and spoke with Udrey she said that payments were not being recieved, my bank statemebt shows that they are getting paid. I showed her she said i needed to talk to my bank about the issue. Now were in march of 2025. I lost my job in feb 2025, and i had signed a new contract payments to be withdrawn once a month on the 3rd. I went to the ofgice on a Saturday feb 22nd to show my bank state to ****** that i get paid once a month on the 3rd. I signed a new contract. At this point my bill was at 645.00 dollars. Now the bills is 805.74. I recieved a call from ****** abput a week and a half ago saying i missed a payment. Now she looks at my file calls ger boss and calls me back and she sorry she made a mistake and she want to split into two loans a 500.00 and a 300.00 loan. I dont understand why. I am getting charged not payment fees and this matter needs to be looked into. Im sure im not the only one that this has happened to. They are not only gettimg the payment but they overcharging me the consuner when they have a payment paid. Please help me.

  Business Response

  Date: 04/02/2025

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

  Thank you,

  **** ****

• Initial Complaint

  Date:01/23/2025

  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 have a title loan through them and they are requesting that I provide screen shots for proof of residence on top of all the utilities bills I have sent

  Business Response

  Date: 02/04/2025

  On January 24, 2025, we received Mr. ****** ********* ** ******** from your office. Mr. G**e states that he was requested to provide “screen shots” for proof of residence after he was requested to provide utility bills.

   

  Mr. G**e is a current customer of the Company. Mr. G**e originated a $4,500 title-secured line of credit from one of our Kansas branches on October 14, 2024. From origination, Mr. G**e did not make any required payments. On January 1, 2025, the line of credit was defaulted and the Company took action to secure its collateral, after proper notice was provided to the customer.

   

  Following default, the customer contacted the Company’s collections department in an attempt to refinance his obligations. At such time, he made statements to the Company representatives that he was currently in Texas.

   

  The Company is a state-licensed lender and does not provide products issued under one state’s license remotely to a consumer residing in another state. The customer stated that he was still a resident of Kansas. Therefore, Company personnel requested various methods of proof regarding residency to ensure the Company’s compliance with state lending laws.

   

  When provided with some evidence of Kansas residency by the customer, there were several pieces of information that the Company could not verify. Additionally, due to the lack of payments made on the defaulted loan, the Company determined that it would decline the customer’s request for another loan.

   

  The customer was mailed a Notice of Adverse Action regarding the decision and the matter is considered closed.

   

  Lend Nation strives to meet customer expectations and uphold our ethical standards. If there is anything else, plea

• Initial Complaint

  Date:01/23/2025

  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.

  They calling my phone I never gave them permission to call my phone they also use my card to make payments on somebody else account that I wasn’t aware of I do not want to receive phone calls from them

  Business Response

  Date: 02/04/2025

  RE: Complaint ID *******5

   

  To Whom It May Concern:

   

  On January 24, 2025, we received Ms. R****s complaint ID *******5 from your office. Ms. R**h states that she h** received calls from the Company and the Company used her card to make payments.

   

  Upon receipt of this complaint, the Company immediately investigated the claims. Unfortunately, we could not located the customer anywhere in our datab**e. Ms. R**h is not a customer of the Company and the phone number provided does not show up in an account for Ms. R**h or for any other customer of the Company.

   

  Lend Nation strives to meet customer expectations and uphold our ethical standards. If there is anything else, ple**e let us know at your earliest convenience. Feel free to contact me at any time.

• Initial Complaint

  Date:08/06/2024

  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 was approved for a $3000 loan and the person I was dealing with keeps asking for more and more money. I have already paid $1,000 in various fees and he keeps telling me that it's all I need to pay. Now he is asking for another $280 for the funds to be released. I feel I am being scammed.

  Customer Answer

  Date: 08/09/2024

  I was forced to pay numerous fees with eBay and Target gift cards. I filled a police report on August 8

  Business Response

  Date: 08/14/2024

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

  Thank you,

  **** ****

• Initial Complaint

  Date:07/23/2024

  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.

  I have a problem because i have payed a total of 1200 dollars for my car and they made me a new contract without me giving them the ok please him me

  Customer Answer

  Date: 07/26/2024

  I want to complain about that company because they are not only just fraudulent me they're fraudulent a lot of customers and they're very rude and disrespectful on my claim I feel like I was cheated out of hundreds of dollars and would have continued being cheated if I did not speak up and called you all because they gave me a demo title they did not give me back my original titles and she took my money as if you give me the money first then I'll give you the titles type of note and I felt very bamboozled for a company they feel like a scammer Billings was very hurt as a customer and I would never return to them or recommend anyone else to go to them

  Business Response

  Date: 08/01/2024

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

  Thank you,

  **** ****

• 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: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,
  
  ***** ****