Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/23/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  A few months ago I took out a small loan with this company. I have paid back the principle amount plus interest. They have more than recouped the loan amount and any interest that would have been legal. I want them to cease and desist all contact with me. I want to revoke ach and wage assignment and have this account cleared and closed with this business. Please confirm you have received this and that you will be revoking ACH , wage assignment, and have my account closed and cleared.

  Business Response

  Date: 04/25/2025

  April 25, 2025
  
  Better Business Bureau
  
  Re: ***** *******  
  Complaint: 23243014
  
  We are in receipt of the complaint detail submitted by ***** ******* and provided to Gray Fox Lending (the Company) on April 25, 2025. Thank you for providing the Company with the opportunity to respond.
  
  The Company is an economic arm and instrumentality of the Fort ******* **************** of the ******************* Reservation of **********, a federally recognized sovereign Indian nation (the Tribe) that adheres to federal consumer finance laws and operates within the boundaries of the Tribal land.The Company was established and licensed and is operating under the jurisdiction and laws of the Tribe and its operations are required to comply with Tribal and Federal consumer protection laws, and not subject to the jurisdiction or laws of any state. To that end, the Tribe maintains its own mechanisms and procedures for handling consumer complaints and otherwise ensuring compliance with applicable law. Nothing in this communication should be construed as a waiver of the Tribes sovereign immunity, all of which is expressly preserved.
  
  We have reviewed the consumers complaint. The Company will revoke the *** and voluntary wage assignment authorization pursuant to the customers request. Please allow up to three (3) business days for the Company to process this request. Additionally, the Company will cease and desist from further communication with the consumer. The consumers phone number will be added to our internal Do-Not-Call list.

  If the consumer has any questions, the consumer may contact **************** at *************.
  
  Sincerely,
  Gray Fox Lending

  Customer Answer

  Date: 04/25/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me.
  
  

• Initial Complaint

  Date:04/10/2025

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I took out a loan of $1200 from Gray Fox lending in January 2025 From Jan17 thru Mar7 I made eight payments of $179.60 to them totaling $1,436.80. I was desperate at the time and made on time payments until I wasn't able to the %****** intrest is extremely unfair and made it unmanageable to keep up with the weekly payments. I have reached out via phone and left messages about my situation. Also have emailed the company regarding situation (Emails are uploaded in supporting documents). The email stated someone will get in contact with me, but they never did. Now they've sent a voluntary wage assignment to my employer for the balance they said I owe of $1,828.78. I would like for Gray Fox lending to cease and desist any further collection activity and record this loan as "paid in full".

  Business Response

  Date: 04/16/2025

  April 16, 2025
  
  Better Business Bureau
  
  Re: ****** *****  
  Complaint: 23185520
  
  We are in receipt of the complaint detail submitted by ****** ***** and provided to Gray Fox Lending (the Company) on April 11, 2025. Thank you for providing the Company with the opportunity to respond.
  
  The Company is an economic arm and instrumentality of the Fort ******* **************** of the ******************* Reservation of **********, a federally recognized sovereign Indian nation (the Tribe) that adheres to federal consumer finance laws and operates within the boundaries of the Tribal land. The Company was established and licensed and is operating under the jurisdiction and laws of the Tribe and its operations are required to comply with Tribal and Federal consumer protection laws, and not subject to the jurisdiction or laws of any state. To that end, the Tribe maintains its own mechanisms and procedures for handling consumer complaints and otherwise ensuring compliance with applicable law. Nothing in this communication should be construed as a waiver of the Tribes sovereign immunity, all of which is expressly preserved.
  
  We have reviewed the consumers complaint. The Company will revoke the *** and voluntary wage assignment authorization pursuant to the customers request. Please allow up to three (3) business days for the Company to process this request. Additionally, the Company will cease and desist from further communication with the consumer. The consumers phone number will be added to our internal Do-Not-Call list.
  
  If the consumer has any questions, the consumer may contact **************** at **************.
  
  Sincerely,
  Gray Fox Lending

  Customer Answer

  Date: 04/17/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me. I would like to know if the loan is considered paid off and no further action would be taken, through collection agencies.
  
  

• Initial Complaint

  Date:04/03/2025

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Lender has sent numerous emails claiming to have been attempting to contact me, threatening to take money from my bank account, I have not received any phone calls from them for several months and now that I go to their website, I am not given any option to log on and view account or make payments. I wish to be removed from all email and call lists and I want all authorizations (wage assignment and bank account disbursement) revoked immediately.

  Business Response

  Date: 04/08/2025

  April 8, 2025
  Better Business Bureau
  
  Re: Cameron *****  
  Complaint: 23159181
  
  We are in receipt of the complaint detail submitted by ******* ***** and provided to Gray Fox Lending (the Company) on April 5, 2025. Thank you for providing the Company with the opportunity to respond.
  
  The Company is an economic arm and instrumentality of the Fort ******* **************** of the ******************* Reservation of **********, a federally recognized sovereign Indian nation (the Tribe) that adheres to federal consumer finance laws and operates within the boundaries of the Tribal land.The Company was established and licensed and is operating under the jurisdiction and laws of the Tribe and its operations are required to comply with applicable Tribal and Federal consumer protection laws, and not subject to the jurisdiction or laws of any state. To that end, the Tribe maintains its own mechanisms and procedures for handling consumer complaints and otherwise ensuring compliance with applicable law. Nothing in this communication should be construed as a waiver of the Tribes sovereign immunity, all of which is expressly preserved.
  
  We have reviewed the consumers complaint. According to our records, ******* ***** requested and was funded a loan in the amount of $700.00 on 10/27/23 in good faith of the representations made by the customer within the loan application.Furthermore, the customer had ample opportunity to review the **** disclosures,repayment schedule and terms of the loan at the time of loan origination. To date, the customer has made a partial repayment on the loan. Although the Company has attempted to reach out to the customer to set up a payment arrangement, the Company has been unsuccessful. At this time, the Company will revoke the *** and voluntary wage assignment authorization pursuant to the customers request. Please allow up to three (3) business days for the Company to process this request. Additionally, the Company will cease and desist from further communication with the consumer. The consumers phone number will be added to our internal Do-Not-Call list. Unfortunately, the customer will be ineligible for any future loans with the Company.

  
  If the consumer has any questions, the consumer may contact **************** at *************.
  
  Sincerely,
  Gray Fox Lending

• Initial Complaint

  Date:03/31/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I applied for a $325 loan from Gray Fox Lending, and the interest rates are extremely high. Despite making multiple payments, the amount I owe has not decreased significantly, leaving me stuck in a cycle of debt. Gray Fox Lending's predatory lending practices take advantage of people who are already in financial distress, making it nearly impossible to pay off the loan.I have made every effort to stay current on my payments, but the terms of this loan are unfair and unsustainable. Additionally, I am requesting that Gray Fox Lending immediately stop any further ACH withdrawals from my bank account. I can no longer afford to have these funds taken directly without any clear path to paying off my balance.I am asking that Gray Fox Lending review my account, reconsider the loan terms, and provide a fair resolution. I deserve the opportunity to resolve this matter without facing further financial hardship. Please respond promptly to my concerns and confirm the cessation of ACH payments.

  Business Response

  Date: 04/04/2025

  April 4, 2025
  Better Business Bureau
  
  Re: **** ****  
  Complaint: 23136964
  
  We are in receipt of the complaint detail submitted by **** **** and provided to Gray Fox Lending (the Company) on April ******. Thank you for providing the Company with the opportunity to respond.
  
  The Company is an economic arm and instrumentality of the Fort ******* **************** of the ******************* Reservation of **********, a federally recognized sovereign Indian nation (the Tribe) that adheres to federal consumer finance laws and operates within the boundaries of the Tribal land.The Company was established and licensed and is operating under the jurisdiction and laws of the Tribe and its operations are required to comply with Tribal and Federal consumer protection laws, and not subject to the jurisdiction or laws of any state. To that end, the Tribe maintains its own mechanisms and procedures for handling consumer complaints and otherwise ensuring compliance with applicable law. Nothing in this communication should be construed as a waiver of the Tribes sovereign immunity, all of which is expressly preserved.
  
  We have reviewed the consumers complaint. The customer took out a $325.00 loan on August 29, 2024, at which time the customer had ample opportunity to review the Truth in Lending disclosure and repayment terms prior to loan origination. The Company will revoke the *** authorization pursuant to the customers request. Please allow up to three (3) business days for the Company to process this request.Additionally, the Company will consider the voluntary wage assignment authorization provided by the consumer to be revoked and will cease and desist from further communication with the consumer. The consumers phone number will be added to our internal Do-Not-Call list.
  
  If the consumer has any questions, the consumer may contact **************** at *************.
  
  Sincerely,
  Gray Fox Lending

• Initial Complaint

  Date:03/20/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I took out a loan of $600 from Gray Fox lending in August 2024. From Aug 27 thru Dec 17, I made eight payments of $181.11 to them totaling $1,448.88. I was desperate at the time and made on time payments until I wasn't able to. Now they've sent a voluntary wage assignment to my employer for the balance they said I owe of $1,847.06.I would like for Gray Fox lending to cease and desist any further collection activity and record this loan as "paid in full".

  Business Response

  Date: 03/25/2025

  March 25, 2025
  
  Better Business Bureau
  
  Re: ***** Devicente
  Complaint: 23093980
  
  We are in receipt of the complaint detail submitted by ***** Devicente and provided to Gray Fox Lending (the Company) on March 21, 2025. Thank you for providing the Company with the opportunity to respond.
  
  The Company is an economic arm and instrumentality of the Fort ******* **************** of the ******************* Reservation of **********, a federally recognized sovereign Indian nation (the Tribe) that adheres to federal consumer finance laws and operates within the boundaries of the Tribal land.The Company was established and licensed and is operating under the jurisdiction and laws of the Tribe and its operations are required to comply with Tribal and Federal consumer protection laws, and not subject to the jurisdiction or laws of any state. To that end, the Tribe maintains its own mechanisms and procedures for handling consumer complaints and otherwise ensuring compliance with applicable law. Nothing in this communication should be construed as a waiver of the Tribes sovereign immunity, all of which is expressly preserved.
  
  We have reviewed the consumers complaint. The Company will revoke the *** repayment and voluntary wage assignment authorization provided by the consumer and cease and desist from further communication with the consumer. The consumers phone number will be added to our internal Do-Not-Call list.Unfortunately, the consumer will not be eligible for consideration for the Companys loan products in the future.
  
  If the consumer has any questions, the consumer may contact **************** at *************.
  
  Sincerely,
  Gray Fox Lending

  Customer Answer

  Date: 03/25/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me.
  
  

• Initial Complaint

  Date:02/07/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I borrowed $750 and made 3 payments of $195.68 the interest is way too high and I would like for this company to stop charging my bank account.

  Business Response

  Date: 02/12/2025

  February 12, 2025
  Better Business Bureau
  
  Re:  ****** ****** ******************* 22910857
  
  We are in receipt of the complaint detail submitted by ****** ****** ***** and provided to Gray Fox Lending (the Company)on February 07, 2025. Thank you for providing the Company with the opportunity to respond.
  
  The Company is an economic arm and instrumentality of the Fort ******* **************** of the ******************* Reservation of **********, a federally recognized sovereign Indian nation (the Tribe) that adheres to federal consumer finance laws and operates within the boundaries of the Tribal land.The Company was established and licensed and is operating under the jurisdiction and laws of the Tribe and its operations are required to comply with Tribal and Federal consumer protection laws, and not subject to the jurisdiction or laws of any state. To that end, the Tribe maintains its own mechanisms and procedures for handling consumer complaints and otherwise ensuring compliance with applicable law. Nothing in this communication should be construed as a waiver of the Tribes sovereign immunity, all of which is expressly preserved.
  
  We have reviewed the consumers complaint.Since the consumer presented the complaint, the Company has made numerous attempts to contact the consumer. Unfortunately, the Company has not been successful in making contact with the consumer. The Company will revoke the *** repayment and voluntary wage assignment authorization provided by the consumer and cease and desist from further communication with the consumer. The consumers phone number will be added to our internal Do-Not-Call list. Unfortunately, the consumer will not be eligible for consideration for the Companys loan products in the future.
  
  If the consumer has any questions, the consumer may contact **************** at *************.
  
  Sincerely,
  Gray Fox Lending

• Initial Complaint

  Date:01/15/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I applied for a $1000 loan in December of 2024 to help me during a time when my bank account was hacked and $3k was taken from me. I made three payments of $151 every two weeks that were taken from my account via ACH payment. Upon doing research I noticed that this company, Gray Fox Lending is extremely predatory with their interest rates and they take advantage of people who are in distress and in need of money. I was given an account number to log into my online account and since the day that I made the first payment, I have not been able to log into that account. I have called the number in the email that was provided to me and I have failed to receive a response or a reason why it says my loan agreement doesnt exist. I am now being threatened with wage garnishment and being told that I need to pay $1500.81. I would like to part ways with this company, and ask that they dismiss the voluntary wage assignment and stop threatening to take my wages from my employer. I am a single mother raising two small children and I am asking for a break.

  Business Response

  Date: 01/17/2025

  January 17, 2025
  
  Better Business Bureau
  
  Re:            ****** *****
  Complaint: 22812920
  
  We are in receipt of the complaint detail submitted by ****** ***** and provided to Gray Fox Lending (the Company) on January 16, 2025. Thank you for providing the Company with the opportunity to respond.
  
  The Company is an economic arm and instrumentality of the Fort ******* **************** of the ******************* Reservation of **********, a federally recognized sovereign Indian nation (the Tribe) that adheres to federal consumer finance laws and operates within the boundaries of the Tribal land.The Company was established and licensed and is operating under the jurisdiction and laws of the Tribe and its operations are required to comply with Tribal and Federal consumer protection laws, and not subject to the jurisdiction or laws of any state. To that end, the Tribe maintains its own mechanisms and procedures for handling consumer complaints and otherwise ensuring compliance with applicable law. Nothing in this communication should be construed as a waiver of the Tribes sovereign immunity, all of which is expressly preserved.
  
  We have reviewed the consumers complaint. The Company will revoke the *** repayment and voluntary wage assignment authorization provided by the consumer and cease and desist from further communication with the consumer. The consumers phone number will be added to our internal Do-Not-Call list.Unfortunately, the consumer will not be eligible for consideration for the Companys loan products in the future.
  
  If the consumer has any questions, the consumer may contact **************** at *************.
  
  Sincerely,
  Gray Fox Lending
  

  Customer Answer

  Date: 01/17/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me.
  

  Could you please verify that the account is charged off and that I will no longer be responsible for the remaining balance?

  
  

• Initial Complaint

  Date:12/20/2024

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 9/24/2024 I accepted a loan in the amount of $575 from Gray Fox Lending. Since then, I have experienced withdrawals that were not on my agreed upon date. My payday falls every other Friday and Gray Fox Lending has withdrawn from my account on every Wednesday, resulting my bank account being overdrawn. In addition, I have since discovered that this company is not licensed in **************** and is legally allowed to lend here under *** 31.45.105. They are charging fees and interest that is unethical and illegal as well. At this time, I have paid $86.43 weekly for the past twelve weeks and have paid $1037.16, nearly twice the amount of the loan. As I have repaid the principal on this loan and a significant amount of interest. Given that this company is operating illegally in my state, and unethically collecting, I am seeking that this company cease and desist any further collection activity and record this loan as "paid in full".

  Business Response

  Date: 12/27/2024

  December 27, 2024 

  
  Better Business Bureau 
  
  Re:******* Monty 

  
  Complaint: 22713218 
  
  We are in receipt of the complaint detail submitted by ******* ***** and provided to Gray Fox Lending (the Company) on December 20, 2024. Thank you for providing the Company with the opportunity to respond. 
  
  The Company is an economic arm and instrumentality of the Fort ******* **************** of the ******************* Reservation of **********, a federally recognized sovereign Indian nation (the Tribe) that adheres to federal consumer finance laws and operates within the boundaries of the Tribal land. The Company was established and licensed and is operating under the jurisdiction and laws of the Tribe and its operations are required to comply with Tribal and Federal consumer protection laws, and not subject to the jurisdiction or laws of any state. To that end, the Tribe maintains its own mechanisms and procedures for handling consumer complaints and otherwise ensuring compliance with applicable law. Nothing in this communication should be construed as a waiver of the Tribes sovereign immunity, all of which is expressly preserved. 
  
  We have reviewed the consumers complaint. The Company will revoke the *** repayment and voluntary wage assignment authorization provided by the consumer and cease and desist from further communication with the consumer. The consumers phone number will be added to our internal Do-Not-Call list. Unfortunately, the consumer will not be eligible for consideration for the Companys loan products in the future.  
  
  If the consumer has any questions, the consumer may contact **************** at **************. 
  
  Sincerely, 
  Gray Fox Lending 

  Customer Answer

  Date: 12/27/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me.
  
  

• Initial Complaint

  Date:12/06/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I took out a loan of $1300 as of 07/23 and they been taking $187.38 weekly payments. I notice that there rate is at ******% which is illegal in the state of ******** under the usury its classified as a felony as will. I will no longer be paying them and what them to stop.

  Business Response

  Date: 12/10/2024

   

  Re:  ***** *****
  Complaint #: 22649841
  
  We are in receipt of the complaint detail submitted by ***** ***** and provided to Gray Fox Lending (the Company) on December 7, 2024.Thank you for providing the Company with the opportunity to respond.
  
  Please be advised that the Company is an economic arm and instrumentality of the Fort ******* **************** of the ******************* Reservation of **********, a federally recognized sovereign Indian nation (the Tribe) that adheres to federal consumer finance laws and operates within the boundaries of the Tribal land.The Company was established and licensed and is operating under the jurisdiction and laws of the Tribe and its operations are required to comply with Tribal and Federal consumer protection laws, and not subject to the jurisdiction or laws of any state. To that end, the Tribe maintains its own mechanisms and procedures for handling consumer complaints and otherwise ensuring compliance with applicable law. Nothing in this communication should be construed as a waiver of the Tribes sovereign immunity, all of which is expressly preserved.
  
  The loan agreement terms and conditions contained all appropriate disclosures, including but not limited to the Truth-in-Lending Act (****) disclosures, as well as cancellation and the dispute resolution procedures. The **** disclosures clearly state the Amount Financed, Annual Percentage Rate, and Finance Charge, along with Total of Payments.
  
  It is the Companys policy that all customer complaints be handled in a prompt and fair manner. The Company will cease and desist from further communication with the consumer. The consumers authority for *** repayment and voluntary wage assignment has been revoked. The consumers telephone number has been placed on the companys internal Do-Not-Call list, and the consumer has been opted-out of further marketing emails.Unfortunately, the consumer will not be eligible for loan products from the Company in the future.
  If the consumer has any questions, the consumer may contact **************** at *************.
  
  Sincerely,
  Gray Fox Lending

  Customer Answer

  Date: 12/10/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me.
  
  

• Initial Complaint

  Date:10/11/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I took out a loan for $279 in 08/23/24 and they have been taking 33 dollars a week from me and i didnt realize this but it is at a rate of ******% percentage rate! According to the agreement i will have to pay $2892.04 after all payments for only a$279.00 loan?! This is illegal and they have been applying those payments to interest only!! They have been doing this since Aug on a weekly basis until now. I want my money refunded now!! This is wrong! These people should be shut down. I want every payment i made refunded back into my checking account promptly. I also want automatic debiting of ***** a week out of my checking account STOPPED

  Business Response

  Date: 10/15/2024

  
  We are in receipt of the complaint detail submitted by Dawn Lindley and provided to Gray Fox Lending (the “Company”) on October 13, 2024.
  
  Thank you for providing the Company with the opportunity to respond.
  
  Please be advised that the Company is an economic arm and instrumentality of the Fort Bidwell Indian Community of the Fort Bidwell Reservation of California, a federally recognized sovereign Indian nation (the “Tribe”) that adheres to federal consumer finance laws and operates within the boundaries of the Tribal land. The Company was established and licensed and is operating under the jurisdiction and laws of the Tribe and its operations are required to comply with Tribal and Federal consumer protection laws, and not subject to the jurisdiction or laws of any state. To that end, the Tribe maintains its own mechanisms and procedures for handling consumer complaints and otherwise ensuring compliance with applicable law. Nothing in this communication should be construed as a waiver of the Tribe’s sovereign immunity, all of which is expressly preserved.
  
  If the consumer has any questions, the consumer may contact Customer Service at (888) 290-1691.
  
  Sincerely,
  Gray Fox Lending

  Customer Answer

  Date: 10/15/2024

  I am rejecting this response because:, i am unemployed and payments keep on trying to come out of my bank, where i have no money. I need them to cease payment retrieval. If they dont want to refund money then i want them to just stop trying to take money from my account when i have none. Being unemployed, i have no income. I have no unemployment payments anymore.
  

  Business Response

  Date: 10/17/2024

   

  Thank you for reaching out to us. 

  
  To prevent further payment attempts, we will immediately suspend future withdrawals from your account. We recommend contacting us to discuss alternative arrangements that can be made based on your current situation.
  
  Best Regards,
  
  Gray Fox Lending