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:09/05/2024

  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.

  I took out a loan of $700 on 4/23 and have paid back $1600. I have realized that their interest rate is illegal in my state. I believe this is illegal, and they are falsely operating as a tribal lender to skirt the laws. They tried telling me I hadn't paid, but I have bank drafts that state otherwise. I have more than doubled the amount I borrowed. They claim the balance I owe is 692 when I've paid back 1600. Their interest rate is ******%. This is not acceptable!

  Business Response

  Date: 09/09/2024

  We are in receipt of the complaint detail submitted by *************************** and provided to Gray Fox Lending (the Company) on September 6, 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 ACH 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: 09/09/2024

   
  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:09/04/2024

  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've been trying to assist a friend of mine for over a month on settling a loan from here. It was a $500 loan that she has paid back approximately $2100 of, with another $1900 remaining if she continues to make these payments. This loan is incredibly predatory and it is questionable if you're actually operst8ng on tribal land as you claim, based on the location of the tribe. I've been told different times by different people that I can or cannot talk on her balf. Despite both an email and completing your form, I am still being told I cannot assist her with her loan. At this point, she's paid well over the loan amount and her account she be marked as paid and closed. None of your call centers are on the same page regarding how this process works and it is incredibly difficult and manipulative to provide support. It seems as though your agency is taking every step to prevent people from getting out of your predatory (and should be illegal) loans.

  Business Response

  Date: 09/09/2024

  We are in receipt of the complaint detail submitted by *************************** and provided to Gray Fox Lending (the Company) on September 5, 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.
  
  It is the Companys policy that all customer complaints be handled in a prompt and fair manner. The complainant, ***************************, contacted our office and supplied the name of the borrower, and we were able to identify the borrower and locate authorization to discuss this matter with the complainant.  It is the Companys understanding that this issue is now fully resolved.
  If the consumer has any questions, the consumer may contact **************** at *************.
  
  Sincerely,
  Gray Fox Lending

  Customer Answer

  Date: 09/16/2024

   
  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.

  I would like to caution future potential borrows for utilizing this loan servicer and really look into the legitimacy of their claims as a tribal lender.

  
  

• Initial Complaint

  Date:07/25/2024

  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 tried to find a loan that was fast and over the weekend. I needed it for burial purposes. I have paid more then what was borrowed at $625 and they want Me to pay back. 6x times that amount. I feel like that is abuse of the loan system And that should be against the law to be able to charge someone outrageous prices. I was grieving an needed to give my family member the proper send off. So of course, I took it. I fell like they prey on people in need.

  Business Response

  Date: 07/26/2024

  We are in receipt of the complaint detail submitted by *************************** and provided to Gray Fox Lending (the Company) on July 25, 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 adheresto federal consumerfinance laws and operates withinthe 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, theTribe 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 accept the consumers complaint as a revocation of ACH payment permission as well as a revocation of prior express consent for telephone calls, and the Company will cease and desist from further communication with the consumer. 
  If the consumer has any questions, the consumer may contact CustomerService at *************.
  Please feel free to contact us if you have any questions or require furtherinformation.
  
  Sincerely,
  Gray Fox Lending

  Customer Answer

  Date: 08/02/2024

  I am rejecting this response because: I feel like I have paid plenty in to this loan If at all possible I would like to close this account as paid in full an part ways amicably I do want to thank them for helping me in the time of need as for everyone should get the proper burial an send off. But I also feel it's a form of abuse of power. As to the little people like me, don't understand what we're signing.

  Business Response

  Date: 08/09/2024

  We are in receipt of the consumers indication of dissatisfaction with the response provided for Complaint # ******* submitted by *************************** and provided to Gray Fox Lending (the Company) on August 05, 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. As a one-time courtesy, the Company will close the consumers account for the amount paid to date.  However, the consumer will be put on a Do-Not-Call list, and the Company will not provide loan products to this consumer again.
  If the consumer has any questions, the consumer may contact **************** at *************.
  Please feel free to contact us if you have any questions or require further information.
  
  Sincerely,
  Gray Fox Lending

  Customer Answer

  Date: 08/13/2024

   
  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:07/10/2024

  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 $600 dollar loan with Gray Fox Lending and had made two payments of $202.00 to them and was in a car accident and then defaulted on the loan. Now they say I owe them $1,696.10 as a payback or they will garnish my wages in 10 days. They want some insane amount of $202.00 payments well into 2025 for the 600 dollar loan.

  Business Response

  Date: 07/12/2024

  We are in receipt of the complaint detail submitted by *********************** and provided to Gray Fox Lending on July 11, 2024. Thank you for providing Gray Fox Lending with the opportunity to respond.
  
  Please be advised that Gray Fox Lending 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. Gray Fox Lending 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 are 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 Gray Fox Lendings policy that all customer complaints be handled in a prompt and fair manner. We are sorry to hear that the consumer is struggling in their current situation. We would be happy to discuss a resolution with the consumer.  We will consider the consumers complaint as a revocation of the consumers authorization for voluntary wage assignment and for electronic payment transfers.    
  If the consumer has any questions, the consumer may contact **************** at **************.
  
  Sincerely,
  Gray Fox Lending 

• Initial Complaint

  Date:02/19/2024

  Type:Order 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 $450 loan for an emergency death in my family. And Ive paid the amount that was borrowed and more. They are expecting me to pay almost $4,000 for a $450 loan. That is despicable! They are taking advantage of people who already have a financial constraint and robbing them blind. There is no way I have the money to pay this absurd amount when *** already paid the money Ive borrowed and more. I would like this closed out as PAID IN FULL and not to be harassed for more money! Thank you for your help in this matter. Im devastated and CANNOT AFFORD THIS!!!

  Business Response

  Date: 02/21/2024

  February 21, 2024
  Better Business Bureau
  
  Re:         ***** ****
  Complaint #: 21305741
  
  We are in receipt of the complaint detail submitted by *************** and provided to Gray Fox Lending on February 19, 2024. Thank you for providing Gray Fox Lending with the opportunity to respond.
  
  Please be advised that Gray Fox Lending is an economic arm and instrumentality of the **** ******* **************** 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. Gray Fox Lending 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 are expressly preserved.
  
  The loan agreement terms and conditions contained all appropriate disclosures, including but not
  limited to the Truth-in-Lending Act (****) disclosure and repayment schedule,as well as the cancellation and dispute resolution procedures. The **** disclosures clearly state the Amount Financed, Annual Percentage Rate, and Finance Charge, along with Total of Payments and were reviewed at the time of loan origination.
  
  It is Gray Fox Lendings policy that all customer complaints be handled in a prompt and fair manner.   We will accept the consumers complaint as a revocation of the consumers consent to ACH payments and voluntary wage assignment. Gray Fox Lending will cease and desist from further contact with the consumer. The consumers complaint has also been construed as a revocation of consent with respect to telemarketing and telecommunications.
  If the consumer has any questions, the consumer may contact **************** at *************.
  Please feel free to contact us if you have any questions or require further information.
  
  Sincerely,
  Gray Fox Lending