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: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

• Initial Complaint

  Date:09/19/2023

  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 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

  Date: 10/02/2023

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

  Customer Answer

  Date: 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

  Date: 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 ********** 

• Initial Complaint

  Date:06/12/2023

  Type:Service or Repair Issues
  Status:

  ResolvedMore 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.

  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

  Date: 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 Answer

  Date: 06/21/2023

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

• Initial Complaint

  Date:04/14/2023

  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 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

  Date: 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 **********

• Initial Complaint

  Date:01/17/2023

  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.

  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

  Date: 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

• Initial Complaint

  Date:01/17/2023

  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.

  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

  Date: 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.

• Initial Complaint

  Date:10/20/2022

  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 been a customer of ********** for several years while I was in Oklahoma and had ALWAYS had a very pleasant experience. I had borrowed from the **** *** ****** ** ******** ***** ** several times and then would renew online in just a few clicks with no issue when it came to payback. ( I attempted to log into ********** and also called the location to get the times I borrowed and how much but both avenues did not provide a complete list.) I left Oklahoma in August 2021 for another job in Texas and borrowed online by using the online portal like I always had... **************. This time I borrowed $2,000. I made two payments of $500 totaling $1,000 and then attempted to pay the $2,000 and was told it was over $3500. When I contacted ********** to find out what happened, they said the $500 were interest payments. This is not the same loan that I signed up with in Oklahoma where I paid an interest and quickly paid off the actual loan amount. ********** NOW says I owe over $3500, so in addition to the $1,000 I paid I will be paying a total of $4500 which is no where near the $2,000 I borrowed. I attempted to pay the debt in the second month and the $500 which I did not agree to and what I did not pay before did no go towards the debt. I was told the Oklahoma loan I applied for online for some reason wasn't the same as the Texas loan even though I went to the SAME website. This has now turned into a PREDATORY loan. After a clear and pristine record and good history with ********** now there is a mark on my credit record as a result of ********** breaching the contract, changing the contract and changing the rules and fine print even though I applied ONLINE like I always did before. I filled out the online appropriate paperwork like I always had and that was it. Upon the due date paid $500 and then paid another $500 and came to find out. I agree to pay $1500 meaning I paid a total of $2500 which is the appropriate amount. Considering legal action.

  Business Response

  Date: 11/03/2022

  As noted in the complaint, the consumer was a long time Oklahoma customer, who then moved to Texas. As you are aware, the Company is a state licensed lender, meaning that we are licensed in each state that we operate in. As such, we must ensure that products offered by us as a lender or CSO, as the case may be, comply with the laws of the state in which the loan is issued. Additionally, we will only permit someone applying online to acquire the products of the state in which they reside. This fact is in line with larger questions of consumer protection and states' Attorney Generals, who wish to ensure that their residents only receive products governed by their state laws. Therefore, what a Texas consumer applies for a loan, they will only receive a product that complies with the laws of the State of Texas. On our website, we fully describe the products offered in Texas, along with all other states. In addition, the contract that all consumers sign when taking out a loan in Texas fully describes the rights and obligations of both the Lender, the CSO and the consumer. In short, it is illegal for us to offer the Oklahoma loan product to someone residing in Texas. We are happy to discuss further with the consumer, although they have requested no contact by the Company.

• Initial Complaint

  Date:10/12/2022

  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.

  Out of nowhere they sent harassing texts saying they were trying to locate me. Called the number it said to and even texted multiple times with no answer to either. Finally they called me. The guy was so hostile, he wouldn't let me talk, kept cutting me off while I was trying to reply and he just kept talking over me and getting louder. I asked if he could send me an email or letter verifying all the information and I'd make a payment when I had the chance. He said NO and the only way I'd get a verification email is to make a payment with him. It started to sound more like a spam caller when he was yelling and said I only had 3 hours to make a payment or they're coming after my wages. I tried to explain that I didn't have the money because of my kids health issues. He yelled saying he didn't care, over and over. He then said I had to make a payment right then and I shouldn't have borrowed the money. He originally said by 5pm I said I didn't have the money at the moment but he yelled saying they're coming after me and hung up on me.
  I'd like a transcript of the most recent call as well as the loan dropped since they won't even verify if it's legitimate or even let me complete a sentence without being hostile.

  Business Response

  Date: 10/18/2022

  Upon receipt of this complaint, QC immediately investigated. Our investigation revealed that the account in question was for a loan taken out with the Company, which was defaulted, and sold in 2016 to ********** **********, our sole debt purchaser. We have notified ********** ********** of this complaint. There is also a possibility that this debt is being collected by another party, which we can neither confirm nor deny, because we no longer posses the account. We would recommend that the consumer request written debt validation, which will provide the consumer with the details of the debt and who is collecting on it.

• Initial Complaint

  Date:10/04/2022

  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 am requesting to file a complaint in regards to how I am being treated by the individuals that are calling me in regards to a payday loan from QC holdings IM willing to resolve this however their abrasiveness disrespectful threatening behavior is not OK I have asked on multiple occasions what do I need to resolve this issue and then they want to talk to you in a demeaning manner as if I am less than human because of a debt that I have and willing to take care of I would like to know how much I owe where do I need to send the payment to they are harassing me calling from different numbers leaving threatening messages as if they are scaring me and I do not appreciate it at all especially when I want to resolve the debt

  Business Response

  Date: 10/18/2022

  Upon receipt of this complaint, QC immediately investigated. Our investigation revealed that the account in question was for a loan taken out with the Company, which was defaulted, and sold in 2016 to ********** **********, our sole debt purchaser. We have notified ********** ********** of this complaint. There is also a possibility that this debt is being collected by another party, which we can neither confirm nor deny, because we no longer posses the account. We would recommend that the consumer request written debt validation, which will provide the consumer with the details of the debt and who is collecting on it.

  Additionally, on October 4th, a company representative spoke with the consumer explaining the above.