Rental Lease If I never received a copy of my lease agreement, is it legal?

Rental Lease
If I never received a copy of my lease agreement, is it legal? I signed a one month agreement, gave a deposit of $1200. Informed the owner within four days on May 10 that I would not be able to move in. He then cashed my check on July 1. He is now telling me that he is lucky that I am he is not suing me for breech of contract and that I am ”ignorant, inexperienced and immature.” Is this legal? Because of the unknown deposit, my rent is late (which I am charged a fee) and I have numerous overdraft fees.

[California] The 3 day notice I got served states that “Your late charges are…

[California] The 3 day notice I got served states that “Your late charges are deducted from the money you submitted.” The late charge in the lease agreement is set at the usurious rate of $25/day late, which amounts to an annual interest rate of 560%. Also, it is not clear what “the money you submitted” means. Does it refer to the security deposit or the rent I paid last month?

Does this make the notice defective?