BBB Business Review

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This business is not BBB accredited.

Additional Locations

Phone: (906) 358-2008 Fax: (906) 358-2010 View Additional Phone Numbers N 5384 US Hwy 45 Ste 400, Watersmeet, MI 49969 View Additional Email Addresses View Additional Web Addresses

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BBB Accreditation

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that lowered the rating for include:

  • 292 complaint(s) filed against business
  • Failure to respond to 3 complaint(s) filed against business
  • 25 complaint(s) filed against business that were not resolved

Factors that raised the rating for include:

  • Length of time business has been operating

Customer Complaints Summary Read complaint details

292 complaints closed with BBB in last 3 years | 102 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 19
Billing/Collection Issues 199
Delivery Issues 1
Guarantee/Warranty Issues 0
Problems with Product/Service 73
Total Closed Complaints 292

Additional Complaint Information

This business incurs a high volume of complaints related to the terms of loans it issues, applicable interest rates and the manner in which these terms are disclosed to consumers.  Further, while the business continues to respond to consumer complaints, all responses refer to the business' extraordinary status as an "economic arm" of a federally recognized American Indian Tribe.  This status overrides state law in many cases and allows for interest rates considerably higher than those allowed by standard sate and federal consumer protection laws.

The following FAQs are taken from the business' website and are relevant to many consumer complaints received fro the business by BBB. 

Q: Does Castle Payday's status as a Tribal entity have any effect on my loan?

A: The Lac Vieux Desert Band of Lake Superior Chippewa Indians is a federally recognized American Indian Tribe with governmental headquarters in Watersmeet, MI. Castle Payday is an economic arm of the Tribe, created by the Lac Vieux Desert Band of Lake Superior Chippewa Indians's Tribal Council, which operates under Tribal law for the Tribe's benefit. As such, Castle Payday is an entity with Tribal sovereign immunity from lawsuits. The Tribe, through its economic-development arm doing business as Castle Payday is dedicated to serving its customers efficiently and effectively. For any customer disputes that may arise, the Tribe has established the Tribal Dispute Resolution Procedure. For more information on the Tribal Dispute Resolution Procedure, please refer to your loan documents or contact Castle Payday.

Q: Do either the laws of my state of residence or where I am applying for a loan govern my loan agreement?

A: No. Your loan agreement will be governed by and construed in accordance with the laws of the Lac Vieux Desert Band of Lake Superior Chippewa Indians, and to the extent applicable, the laws of the United States. The laws of your state of residence or the state where you enter into a transaction with Castle Payday will not apply to any agreement you enter into with us. Indian Tribes are sovereign and are not obligated to adhere to state law absent congressional authorization.

Customer Reviews Summary Read customer reviews

14 Customer Reviews on
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 14
Total Customer Reviews 14

Additional Information

BBB file opened: January 11, 2012 Business started: 01/01/2012 in MI
Type of Entity

Sole Proprietorship

Contact Information
Customer Contact: Brittany Pole, Complaint Specialist
Business Category

Payday Loans

Alternate Business Names
Big Picture Loans Duck Creek Tribal Financial PepperCash Red Rock Tribal Lending, LLC

BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.