Payday loan, title loan, or personal loan -- Charged fees or interest you didn't expect -- Complaint #6245541
Complaint Overview
Complaint ID: 6245541
Company: Qc Holdings INC
Product: Payday loan, title loan, or personal loan
Sub-Product: Installment loan
Issue: Charged fees or interest you didn't expect
State: Illinois
ZIP Code: 622XX
Date Received: 2022-11-27T12:00:00-05:00
Date Sent to Company: 2022-11-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
your company has repeatedly contacted me/ us, claiming that I owe a debt under Lend Nation. I was never told I had the right to rescind according to 15 US Code 1635 I was entitled to this. This is a violation of TILA. 15 US Code 1605 The finance charge is the sum of ALL charges. I do not believe that I owe this alleged debt that you say I owe. Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. You have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt. I'm requesting you send me this alleged bill XXXX out with no balance per I have no written contract with this company. I demand that you cease and desist of this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating our account from your records, discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all communications to us by mail and otherwise. I also demand that you do not sell/give anyone else any information regarding this alleged debt. If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm. I may still choose to prosecute for commercial copyright infringement for which your company is hereby liable. The ONLY information I want to receive from this company will be the XXXX out invoice that I am requesting. Do not report anything negative to any reporting agency, do not sell or give my information away to corporation. Please provide me with the contract with my WET INK signature. Note XXXX vs the XXXX XXXX were there is no contract there is no case
Frequently Asked Questions
What is Complaint #6245541 about?
Complaint #6245541 was filed against Qc Holdings INC regarding Payday loan, title loan, or personal loan specifically about Charged fees or interest you didn't expect. It was received by the CFPB on 2022-11-27T12:00:00-05:00.
How did Qc Holdings INC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Payday loan, title loan, or personal loan) and describe your issue in detail.
Can I see other complaints against Qc Holdings INC?
Yes, visit the Qc Holdings INC company profile at readthecomplaint.com/company/qc-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.