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Business Profile

Asset Based Lending

Gray Fox Lending

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Asset Based Lending.

Complaints

Customer Complaints Summary

  • 24 total complaints in the last 3 years.
  • 23 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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.

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Complaint status

Complaint type

  • Initial Complaint

    Date:07/08/2025

    Type:Product Issues
    Status:
    Answered
    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 had gotten sick and could not pay my pain back and when I emailed them and asked for a payment arrangements they agreed to $100 a pay. I sent them my banking info to get it started and they never would email me back. I emailed them at least once a week and never got a response until they said they sent it to a another company for collecting and taking my wages.

    Business Response

    Date: 07/10/2025

    July 10, 2025
    Better Business Bureau

    Re: ****** Winner
    Complaint: 23568942

    We are in receipt of the consumer complaint submitted by ****** Winner and provided to Gray Fox Lending (the Company) on July 9, 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 acknowledges the consumers hardship. The consumers complaint is construed as a revocation of the consumers authorization for ACH repayment and voluntary wage assignment. It may take up to three (3) business days to revoke the consumers authorization for *** repayment and voluntary wage assignment. The Company will cease and desist from further attempts to communicate with the consumer regarding the account and close the account. The consumers telephone number will be added to the Companys internal Do-Not-Call list.

    Sincerely,

    Gray Fox Lending

  • Initial Complaint

    Date:07/07/2025

    Type:Service or Repair Issues
    Status:
    Resolved
    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 5/22/2024 I apply for a loan for $325.00 I paid it off on 9/18/2024 they are still charging me l already paid $965.36 for a $325.00 loan thats ridiculous Im not paying anymore and Im requesting a refund for all the extra money they taken out dont get a loan from grey fox lending

    Business Response

    Date: 07/10/2025

    July 10, 2025
    Better Business Bureau

    Re: ******* ******
    Complaint: 23566390

    We are in receipt of the consumer complaint submitted by ******* ****** and provided to Gray Fox Lending (the Company) on July 8, 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 consumer completed the loan approval process and signed the Companys form of loan agreement. The loan agreement included Truth-in-Lending Act (****) disclosures. The **** disclosures clearly state the Amount Financed, Annual Percentage Rate, and Finance Charge, along with Total of Payments as reflected in the Loan Agreement. 

    The consumers complaint is acknowledged as a revocation of the consumers authorization for ACH repayment and voluntary wage assignment. It may take up to three (3) business days to revoke the consumers authorization for *** repayment and voluntary wage assignment. The Company will cease and desist from further attempts to communicate with the consumer regarding the account and close the account. The consumers telephone number will be added to the Companys internal Do-Not-Call list.


    Sincerely,

    Gray Fox Lending

    Customer Answer

    Date: 07/11/2025

     
    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:07/03/2025

    Type:Product Issues
    Status:
    Answered
    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 with Gray Fox Lending on January 16th, 2025 for I believe it was $250 or $350. I made my payments, which resulted in a higher amount than I was approved for, before switching to a different bank in March. I switched to a different bank because I was paying on nothing but interest and they had already received their full principal balance PLUS interest. I heard absolutely nothing from them until early **** saying they were going to garnish my wages and that I now owe them $1,432.02 which is insane. They said the only way to stop the garnishment was to revoke a voluntary wage assignment or schedule a payment plan. I tried scheduling a payment plan and no one responds to emails or answers the phone at this company, so I typed out, signed, emailed, and PHYSICALLY mailed a copy of the revocation to the address listed in the email then sent, and heard nothing back, so I assumed it was settled. Well today I received and email from someone in HR saying they received an email today saying Gray Fox Lending is demanding a wage garnishment. The email they sent was dated **** 24th, 12 DAYS after my initial email and letter. I sent a screenshot of the email I sent to **** *** to the HR office letting them know I had already revoked, AND which I have also attached in the supporting documents. What they are doing is completely illegal. Not only is it triple digit interest rate, they're ignoring documents THEY REQUEST to try and garnish wages. I want nothing to do with this company, they've completely shut down their website, you can't view any account information. I revoke any future automatic payments, the voluntary wage assignment, wage garnishment of any kind, access to my banking information, as well as any and all future contact with this company. YOU ARE THIEVES AND FRAUDS, and if the harassment continues I will be contacting my attorney and escalating the matter.

    Business Response

    Date: 07/07/2025

    July 7, 2025
    Better Business Bureau

    Re: ************
    Complaint: 23553951

    We are in receipt of the consumer complaint submitted by Janiaja Hill and provided to Gray Fox Lending (the Company) on July 3, 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. Neither the Company nor the Tribe engage in wage garnishment. What the consumer may be referring to is a voluntary wage assignment that was agreed to by the consumer as part of the loan process.  The Company acknowledges the consumers complaint as a revocation of the consumer authorization for voluntary wage assignment. It may take up to three (3) business days to revoke the consumers authorization for voluntary wage assignment.  Additionally, the Company will revoke the consumers ACH and electronic fund transfer repayment authorization on the account. The Company will cease and desist from further attempts to communicate with the consumer regarding the account. The consumers telephone number will be added to the Companys internal Do-Not-Call list.

    Sincerely,

    Gray Fox Lending

  • Initial Complaint

    Date:06/27/2025

    Type:Billing Issues
    Status:
    Resolved
    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.
    **** *** made out a substitute check in my name to get money out of my account without my consent. And they continue every other week doing so.

    Business Response

    Date: 06/30/2025

    June 30, 2025

    Better Business Bureau

    Re: ******* *****
    Complaint: 23526289

    We are in receipt of the consumer complaint submitted by ******* ***** and provided to Gray Fox Lending (the Company) on June 27, 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 consumers *** authority on the account. The substitute check referred to by the consumer may be a remotely created check that the consumer authorized as part of the loan process - The terms of which are provided for in the consumers loan agreement. The Company will revoke the consumers authority for remotely created checks on the account. The consumer may call the Company at ************ to discuss the account in detail.

    Sincerely,

    Gray Fox Lending

    Customer Answer

    Date: 06/30/2025

     
    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:06/20/2025

    Type:Service or Repair Issues
    Status:
    Resolved
    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. I have attempted to contact and let them know I lost my job and the bank they have on file is closed and they wont let me change the account. And now they amount they want is way over double what i received. I wish to be removed from all email and call lists and I want all authorizations (wage assignment and bank account disbursement) revoked immediately. I want my account closed.

    Business Response

    Date: 06/24/2025

    June 24, 2025

    Better Business Bureau

    Re: ****** *******
    Complaint: 23498933

    We are in receipt of the consumer complaint submitted by ****** ******* and provided to Gray Fox Lending (the Company) on June 22, 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 consumers voluntary wage assignment authorization pursuant to the customers request. Please allow up to three (3) business days for the Company to process this request. The Company will cease and desist from further attempts to communicate with the consumer regarding the account at issue. The consumers telephone number will be added to our internal Do-Not-Call list.

    Sincerely,

    Gray Fox Lending

    Customer Answer

    Date: 06/24/2025

     
    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:06/16/2025

    Type:Service or Repair Issues
    Status:
    Resolved
    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 from Gray Fox Lending. I would like to pay it back but have not been able to connect with anyone. I'm no longer have access to the website to set up a payment plan. They have faxed to my place of work requesting to garnish my wages. This is not a legal form from a court order.This is embarrassing. I want them to stop. They have no court order for garnishment.

    Business Response

    Date: 06/17/2025

    June 17, 2025

    Better Business Bureau

    Re: ******** ******
    Complaint: 23473780

    We are in receipt of the complaint detail submitted by ******** ****** and provided to Gray Fox Lending (the Company) on June 17, 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.Neither the Company nor the Tribe engages in wage garnishment. What the consumer is most likely referring to is a voluntary wage assignment that the consumer agreed to as part of the loan process.  The Company will revoke the consumers ACH 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. The consumers desired resolution simultaneously states no further contact by the business and to set up a payment plan. Unfortunately, the Company cannot comply with both requests. The Company will construe the consumers request as a cease and desist. 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: 06/17/2025

    I am rejecting this response because: I want them to cease  Contacting my employer to garnish my wages. I want to set up a payment plan and would like to be able to do that.

    Business Response

    Date: 06/18/2025

    June 18, 2025

    Better Business Bureau

    Re: ******** ******
    Complaint: 23473780

    We are in receipt of the additional information submitted by ******** ****** and provided to Gray Fox Lending (the Company) on June 18, 2025. Thank you for providing the Company with the opportunity to respond.

    *********** 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.*********** 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 additional ************** the Company stated in its previous response - *********** will revoke the consumers voluntary wage assignment authorization pursuant to the customers request.Please allow up to three (3) business days for the Company to process this request. With respect to the consumers request to set up a payment arrangement - A customer service representative will be happy to assist you. Feel free to give us a call at ************ or email us at ***********************************

    Sincerely,

    Gray Fox Lending

  • Initial Complaint

    Date:06/05/2025

    Type:Product Issues
    Status:
    Resolved
    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.
    Gray Fox lending garnished my wages a few months ago and was paid in full. I have my pay check stub to prove it. Then they turn around and garnish me again for the same exact amount. You cannot call them or email them. Their web page does not work and it looks like they are no longer in business, so how are they taking more money from me? They are taking $249.12 from my account every two weeks and the goals amount is $951.88. I did not receive a letter or a notice of this that is how I know it is fraud. Like I said I paid them in full months ago and never borrowed from them again. I am trying to get this stopped before any more money is taken from my check. I have contacted my employer.This is illegal!

    Business Response

    Date: 06/10/2025

    June 10, 2025
    Better Business Bureau

    Re: ***** *******  
    Complaint: 23428292

    We are in receipt of the complaint detail submitted by ***** ******* and provided to Gray Fox Lending (the Company) on June 6, 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.Neither the Tribe nor the Company engages in wage garnishment. What the consumer is most likely referring to is voluntary wage assignment which the consumer authorized as part of the loan process. The Company will revoke the consumers authorization for *** repayment and voluntary wage assignment. 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

  • Initial Complaint

    Date:06/03/2025

    Type:Product Issues
    Status:
    Resolved
    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.
    Status:ResolvedMore info 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: 06/05/2025

    June 5, 2025
    Better Business Bureau

    Re: ******** ******  
    Complaint: 23413889

    We are in receipt of the complaint detail submitted by ******** ****** and provided to Gray Fox Lending (the Company) on June 4, 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 consumers authorization for *** repayment and voluntary wage assignment.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: 06/05/2025

     
    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:04/27/2025

    Type:Product Issues
    Status:
    Resolved
    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: 05/01/2025

    May 1, 2025
    Better Business Bureau

    Re: ***** *****  
    Complaint: 23256744

    We are in receipt of the complaint detail submitted by ***** ***** and provided to Gray Fox Lending (the Company) on April 28, 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: 05/01/2025

     
    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:04/23/2025

    Type:Billing Issues
    Status:
    Resolved
    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.

Gray Fox Lending is NOT a BBB Accredited Business.

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