Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: QC HOLDINGS INC
State: UT

Complaint narrative:
In the month of XXXX I was called by a representative from Lendnation/QCXXXX 
Her name is XXXX XXXX. 
She informed me that she reached out in an attempt to collect a debt, and if I did not pay back my debt, they would take me to court/before a judge. 

They pressured me to set up a payment plan of {$230.00} bi weekly payments for 5 payments to pay off my debt in full. 
They request my personal information, ( social, address emails/phone number ) as well as full credit card information. 

I was afraid of what it would mean to be taken to court, they did not provide me with any more information, only threats of legal action. I fully complied with XXXX and agreed to their payment plan. 

In XXXX I reached out prior to my agreed payment day to requested the following additional information, they did not provide me : Validation of debt. 
A professional referral number to confirm their organizations legitimacy. 
Itemization of fees/interest. 
refused to allow my party to record the conversation stating it was against their policy, despite my state being a one party consent state. 

I became suspicious and requested to speak with a supervisor or manager. I was transferred and the supervisor did not say that they specifically was a supervisor he stated that I wanted to speak to one, not that he was one. 
The supervisor told me that per my agreement to take a loan from XXXX, It stated in my contract that I agreed to allow them to have the authority to record the conversation but not I, even after stating it was for my personal protection. Or be provided information regarding my contract or policy upon request. I requested multiple time for them to say in verbatim what specific policy they were referring to and was denied a way to review their policy and I have audio recording of this representative stating I dont care what your state law is, its against company policy to record this conversation and disconnected the call. 

Ive been called multiple times after this from these people demanding to pay my debt, calling from different phone numbers. XXXX XXXX and another representative who refused to self-identify became more aggressive in tone demanding my cooperation. 

I have a second audio recording available of the rep who refused to self identify. 
In that call she told me that she had NO RECORD of me requesting this information. 
I told her that I filled a complaint against them because of that. 

I pressured her to tell me how she would know or not know that I requested this information as I spoke to a different representative. 

Suddenly her information changed and she said, yes we received your request, they sent it the day prior via snail mail. 
She then belittled me stating yeah you requested it, it didnt arrive yet. 

Additionally her response and information drastically changing after I told her about the complaint, in my audio recording you can hear a 3rd party recording from an XXXX device via the recording cue noise. 

My point in filing this complaint is that I strongly believe that this organization is using scare tactics and denying me a reasonable request to properly view my loan agreement with them. Including fees/interest and proper identification. 

I mentioned that they were using scare tactics and the unidentified rep said that doesnt make any sense. 
They did not even attempt to prove legitimacy she kept asking, so are you going to make a payment or not? 
If not, the calls and attempt to collect a debt will continue.

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