Consumer complaint received 2020-09-22
Company: QC HOLDINGS INC
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I am no longer struggling to make a payment. So, in this Complaint I report a series of events in which LendNation continued their phone calls to me, my family and friends even after I begged them to stop. Even though I paid them, they still threaten to garnish my wages. 

On a few occasions, I borrowed money from the LendNation on XXXX XXXX, XXXX in XXXX XXXX XXXX, Utah 3 times altogether, paying my installments on time. When COVID-19 hit, LendNation withdrew funds from my account without permission. The agreement was that I would pay in the store or over the phone as we would arrange. When I found out LendNation had run the transaction on my account without my permission, I informed my bank that they did not have authorization for the automatic payment they ran, and the bank reversed the transaction. 
LendNation called me 2 or 3 times a week to figure out when I would make a payment. I explained to them that I could not teach or earn as much money as I used to because of the COVID-19 travel and face-to-face restrictions in place at that time. I asked LendNation to stop calling me and promised to return to them once I had the funds to pay. I explained to them that I had applied for Unemployment and updated them at every stage of the process, including when the case went on appeal. I offered to provide them the related UI documents, but they said it wasn't necessary. Even with this information, they continued busting my phone. I was so overwhelmed with anxiety that the only way to get relief was to ignore their calls. I asked them if they could stop calling me and send me letters instead, they said, " If you stop us from calling you, we are going to sue you. '' They called my family members and friends I listed as references. I asked them to stop calling them and renewed the promise to pay them. LendNation said they would stop calling my family and friends once I paid them. I kept receiving embarrassing messages from my family and friends several times after that. 
My Unemployment insurance appeal case cleared, and the funds arrived on XX/XX/XXXX. About two days later, I called LendNation and informed them that I moved from Utah and currently lived in a different state, I asked the lady I spoke with how much it was, and she said {$590.00}. I asked her if it would be the same amount if I paid the amount by the XXXX of XXXX, XXXX. I wanted to pay the loan close to my new location. She said because I was in collections, the amount would stay the same and that I could not pay anywhere other than at the XXXX XXXX store. There's a LendNation office 45 miles from my new city. 
I already had a check for {$590.00} for LendNation that I would deliver at that store but had to wait until the next time I was in Utah. 
On XX/XX/XXXX, while in Utah, I received a call from XXXX XXXX XXXX, who said he had LendNation 's court papers to serve. He said he went to look for me at my previous location, but could not find me. I explained to him the same story that I have detailed above concerning my move to Idaho. I explained to him that I would come to XXXX XXXX to receive the court " paperwork " he had for me. 
I went to the LendNation Office on XXXX and XXXX XXXX in XXXX, Utah, and presented the {$500.00} check and XXXX cents cash. They also asked me to pay the filing fees of {$95.00} via credit card. 
I asked XXXX, the LandNation clerk, for guidance on the next steps after I had paid them. I explained to her that I heard there was " paperwork to be delivered to me. She said I needed to speak with XXXX about the papers and that they would " release the paperwork '' once the check cleared. I asked her what she meant by that. She said if the check cleared, there would be no hearing. 
I called my bank to confirm that Lendnation withdrew the funds from the account, and they indeed got the money on XX/XX/XXXX. 
I called Lendnation on XX/XX/XXXX, and XXXX XXXX and spoke with XXXX. I asked her what the process was on " releasing the paperwork. '' She said, " There is a hearing on XX/XX/XXXX, and we are going to garnish your bank account. '' I asked her how that is possible when the check cleared. She said she had nothing else to discuss with me. 
LendNation filed their claim with the court on XX/XX/XXXX. 
They learned in the location trace that I moved to Idaho on or before XX/XX/XXXX -US Postal Service Confirmation Code XXXX XXXX XXXX XXXX. 
I sense that LendNation intends to garnish my account and would like the government to intervene- I don't owe them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation