Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: QC HOLDINGS INC
State: MO

Complaint narrative:
To Whom It May Concern, Subject : Complaint Regarding XXXX XXXX / XXXX XXXX XXXX XXXX XXXX I am submitting this complaint regarding a company operating under the name XXXX XXXX, also known as XXXX XXXX XXXX XXXX XXXX, with an address at XXXX XXXX. 
XXXX XXXX, XXXX XXXX, XXXX, NV XXXX. This company is currently reporting a debt of {$1400.00} on all three of my credit reports, claiming that it originated with Lend Nation. The manner in which this company is conducting itself raises several serious concerns : 1.

* * Refusal to Validate Debt * * When I called this company, they refused to provide written validation of the debt, despite my request. Under the federal Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), a consumer has the right to receive verification of the debt, including the original creditors information, an itemized accounting, and proof of their legal authority to collect. They have not provided any of this, and to date, I have not received anything in writing from them. 2. * * Unsafe and Unfair Payment Demands * * During phone conversations, they stated they will not accept payment by cashiers check or money order and will only accept payment if I provide my bank account or debit card information. This practice is unsafe, coercive, and inconsistent with lawful debt collection. I believe this is an attempt to gain unauthorized access to my financial accounts. 3. * * Broken Chain of Title * * When I contacted the original creditor, Lend Nation, they told me they no longer had the account and that it had been sold to another company. When I contacted that company, they confirmed they no longer owned the account either and that it had been sold again to XXXX XXXX XXXX XXXX XXXX This broken chain of title raises serious doubts about whether XXXX XXXX XXXX has any legal standing to collect this debt or report it to the credit bureaus. 4. * * Licensing Concerns * * Although this company represents itself as being licensed, I have not been able to verify any valid Nevada collection agency license for XXXX XXXX or XXXX XXXX XXXX XXXX XXXX through the Nevada Financial Institutions Division or the National Multistate Licensing System ( NMLS ). Nevada law ( NRS Chapter 649 ) requires collection agencies to be licensed unless exempt, and I found no evidence of such a license. This raises further concerns about their legal ability to collect debts. 5. * * Consumer Complaints and History * * This company has a record of consumer complaints with the Better Business Bureau, the Consumer Financial Protection Bureau, and other review platforms. Many other consumers have reported similar issues : refusal to validate debts, unsafe payment demands, and questionable business practices. -- - # # # Requested Action I respectfully request that your office investigate this companys practices, including their refusal to validate debts, their coercive payment demands, their failure to demonstrate legal ownership of the debt, and their possible lack of a Nevada collection agency license. I further request that any inaccurate or unverified reporting to the credit bureaus be addressed promptly. I am not refusing to pay legitimate debts. My intent is to resolve only valid obligations through safe and lawful means. I simply want to ensure that this company is complying with the law and that my rights under the FDCPA and state law are respected. Thank you for your attention to this matter. I am willing to provide further documentation if needed, including copies of my credit reports showing the account, as well as notes from my calls with Lend Nation and the subsequent company that previously held the account. These calls have been made on several different dates in XXXX. The latest one was SXX/XX/year> 2025

Company response to consumer: Closed with explanation