Consumer complaint received 2025-06-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: QC HOLDINGS INC
State: ID

Complaint narrative:
under Idaho state law28-46-413. PAYDAY LOAN BUSINESS PRACTICES. ( 1 ) No licensee or person related to a licensee by common control may have outstanding at any time to a single borrower a loan or loans with an aggregate principal balance exceeding one thousand dollars ( {$1000.00} ), plus allowable fees.

( 2 ) A payday lender shall not make a payday loan that exceeds twenty-five percent ( 25 % ) of the gross monthly income of the borrower when the loan is made.

( 3 ) A payday lender shall obtain income information from a borrower consistent with subsection ( 4 ) of this section not less than once every twelve ( 12 ) months.

( 4 ) A payday lender shall not be in violation of subsection ( 2 ) of this section if the borrower presents evidence of his gross monthly income to the payday lender or represents to the payday lender in writing that the payday loan does not exceed twenty-five percent ( 25 % ) of the borrowers gross monthly income when the loan is made.

( 5 ) No payday loan shall be repaid by the proceeds of another payday loan made by the same licensee or a person related to the licensee by common control.

( 6 ) If the borrowers check is returned unpaid to the licensee from a payor financial institution, the licensee shall have the right to collect charges authorized by section 28-22-105, Idaho Code, provided such charges are disclosed in the loan agreement. A licensee may not charge treble damages. If the borrowers obligation is assigned to any third party for collection, the provisions of this section shall apply to such third party collector.

( 7 ) A licensee, or person required to be licensed pursuant to this part, shall not threaten a borrower with criminal action as a result of any payment deficit.

( 8 ) No licensee, or person required to be licensed pursuant to this part, shall engage in unfair or deceptive acts, practices or advertising in the conduct of a payday loan business.

( 9 ) A licensee may renew a payday loan no more than three ( 3 ) consecutive times, after which the payday loan shall be repaid in full by the borrower. A borrower may enter into a new loan transaction with the licensee at any time after a prior loan to the borrower is completed. A loan secured by a borrowers check is completed when the check is presented or deposited by the licensee or redeemed by the borrower pursuant to section 28-46-412 ( 5 ), Idaho Code.

( 10 ) Other than a borrowers check in a transaction pursuant to section 28-46-412 ( 5 ), Idaho Code, a licensee shall not accept any property, title to property, or other evidence of ownership as collateral for a payday loan.

( 11 ) A licensee may conduct other business at a location where it engages in payday lending unless it carries on such other business for the purpose of evading or violating the provisions of this act.

( 12 ) A borrower may rescind the payday loan at no cost at any time prior to the close of business on the next business day following the day on which the payday loan was made by paying the principal amount of the loan to the licensee in cash or other immediately available funds.

History : [ 28-46-413, added 2003, ch. 182, sec. 1, p. 496 ; am. 2013, ch. 54, sec. 6, p. 117 ; am. 2014, ch. 270, sec. 3, p. 675. ]. failure to follow section 9 of what is stated above has caused me to no be able to pay back said loan I am now getting hounded daily with phone calls demanding I pay and leaving border line hostile sounding messages on my voice mail to day as of XX/XX/XXXX at XXXX XXXX im writing this I was left a voice mail at XXXX XXXX  demanding I call them back they loan is also exceeding the XXXX dollar limit it is over that amount they never originally went trough when I first got the loan to go over income and expenses either all they asked was proof of income and residency and that's it the loans goes over the gross 25 % limit as stated above as well

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