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Initial Complaint
11/20/2023
Complaint Type:
Order Issues
Status:
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.
I need this loan to be settled. I have already paid back the amount I owed. I opened this acct in desperation and was recently laid off and cant afford the insane interest rate. I found out this company is not licensed in WA and I didnt read the fine print carefully enough. I cant afford the 600 percent interest. I already paid back the amount I borrowed. Please consider my acct closed in full. I would be so grateful **************** has been so friendly and nice to work with, I dont have any negative feelings
Business response
11/21/2023
Good day,

Thank you for contacting First Loan.
We are sorry for any inconvenience that you've had encountered. We would appreciate if you can provide the details of your account so that we can further investigate and provide necessary actions as required.

First Loan is committed to promptly resolving customers' issue. Kindly contact us at ************** and one of our Resolution Specialists will assist you.

Regards,
First Loan
Initial Complaint
10/30/2023
Complaint Type:
Service or Repair Issues
Status:
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.
They email at 630am tell take money from my paycheck and I call them and they say I work for different companies and I told them I dont work for this company
Business response
10/31/2023
Good day,

Thank you for contacting First Loan.
We understand you've put so much time and effort into this, and it has to be difficult for you. Please accept our deepest apologies for the inconvenience.

We encourage you to contact us **************, and we will make every effort to address your concern.
Regards,
First Loan
Initial Complaint
08/28/2023
Complaint Type:
Product Issues
Status:
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.
First Loan is taking money out of my paycheck for a loan they say I received in 2020 , which I never did. Ive never heard of this company until I received a letter saying theyre garnishing my paycheck . I did not apply nor get a loan from them ever ! I want this garnishment stopped and my money back !
Business response
08/28/2023
Good day,

Thank you for contacting First Loan.

It is Tribal policy that all consumer complaints be handled in a prompt and fair manner. We take identity theft very seriously.

If you believe an unauthorized person has submitted an application or received a loan using your personal information, we encourage you to contact us at ************** so that we may conduct a thorough investigation.
Regards,
First Loan
Initial Complaint
06/27/2023
Complaint Type:
Billing Issues
Status:
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.
First Loan has tried numerous times to garnish my check, I repeatedly informed them I never applied for a loan with them, This ongoing harassment is stressing me out medically, I filed a police report of an account they claim was open in my name. Every time i call they ask for my social which I will not give them, they also send me a loan agreement that looks like a child signed that can not be made out. I want them to stop calling me. emailing me and trying to garnish my check. you re the BBB and see numerous complaints about this business that needs to be shut down for their fraudulent claims against random people. I am also filing a complaint with Consumer Affairs and NAACP to get this matter resolved as well, this business licence needs to be revoked and shut down for to many complaints of the same is***s, no one applied with them but they want to *** random people that they either obtain/bought a list of people that applied for a credit card or other accounts. I never applied with them or needed a loan when I have family/friends that I can ask for money. Plus my job gives us advancement on our paychecks, Please resolve this before I take further actions and we all that has been harassed can file a class action lawsuit against them.
Business response
06/29/2023
Good day,

Thank you for contacting First Loan.

We understand you've put so much time and effort into this, and it has to be difficult for you. Please accept our deepest apologies for the inconvenience.

We encourage you to contact us **************, and we will make every effort to address your concern.

Regards,
First Loan
Customer response
06/29/2023

Complaint: 20244627

I am rejecting this response because: I have been speaking with them for weeks and this matter has not been resolved, the continue to harass me at my job and when I call no one understands English and those that do say they will forward my complaint to a supervisor. This is not an acceptable excuse their business license need to be revoked and class actions lawsuits filed against the company for opening up loans in vulnerable victims names and than harassing them to pay a loan we never applied for, they continue to ask me for personal information which I refuse.
BBB its your job to hold them accountable and fine them for numerous complaints about the same thing, we didnt open a loan account with them. I filed a police report and they still are harassing me..its your job to investigate and shut them down. Thanks

Sincerely,

*****************************
Business response
07/03/2023
Good day,

Thank you for contacting First Loan.

We are sorry for any inconvenience that you've had encountered.

We would like to inform you that we received the documents that you sent and the loan account with First Loan is already closed. Also, we have updated our records, so you won't receive any further communication related to this matter.

Should you require further assistance, please do not hesitate to contact us.

Regards,
First Loan
Initial Complaint
03/27/2023
Complaint Type:
Service or Repair Issues
Status:
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.
THIS COMAPANY HAS SENT A WAGE ASSIGNEMENT (GARNISHMENT) TO MY EMAPLOYER THROUGH A COLLECTION COMPANY. FIRST I APPLIED FOR A LOAN AND GOT APPROVED THEN ALL OF A SUDDEN IT GOT DENIED IN UNDERWRITING AND I NEVER ACTUALLY RECEIVED THE ****** SO FOR THEM TO TRY AND GET MONEY FROM ME AND I NEVER EVEN RECEIVED FUNDING IS BEYOND ME. THEY ARE TRYING TO COLLECT MONEY FROM MY EMPLOYER WITHHOLDING IT THROUGH MY PAYCHECK WHICH I NEVER SIGNED ANYTHING FOR THEM TO BE ABLE TO DO THIS SINCE THE LOAN WAS DENIED. I HAVE ALL THE EMAILS TO BACK UP WHAT I AM SAYING FROM THEM SHOWING IT WAS IN FACT DENIED AND I NEVER GOT THE MONEY FROM THEM. ATTACHED ARE THE 2 EMAILS. ONE SAID I WAS APPROVED THE 2ND ME LETTING THEM KNOW IMMEDIATELY IT WAS DENIED AND I NEVER GOT THE LOAN. THEY HAVE FORWARDED THIS TO SOMEONE CALLED **************** AT PO Box ***** ****, ** ***** TO COLLECT. SEE ATTACHMENT PAPERWORK. PLEASE HAVE THEM QUIT CONTACTING ME AND MY EMPLOYER TRYING TO COLLECT ON A FRAUDULENT LOAN I NEVER RECEIVED.
Business response
03/29/2023
Good day,

Thank you for contacting First Loan.

Thank you for providing the company with the opportunity to respond. We are sorry for any inconvenience that you have encountered. Your loan is an expensive form of borrowing, and it is not intended to be a long-term financial solution. These loans are designed to assist you in meeting your short-term financial needs.
We encourage you to contact us at ************. We will be happy to explain your loan, the rate and any repayment options that are available.
Regards,

First Loan
Customer response
03/29/2023

Complaint: 19857750

I am rejecting this response because: I never even got a loan through them. I put that in my first complaint! I applied and got rejected so I never received the funds! They need to quit contacting me and my employer regarding this since I owe them NOTHING and no funds were ever given to me! They need to contact their people and tell them to quit harassing me and trying to get a garnishment from my employer like I already told them. They have not and do not follow the laws in place. If I have to I will get an attorney involved and come after them for fraudulent tactics and since I never even received a loan through them myself I dont owe them and I will go after them for that as well including attorney fees and for harassment. They can go back and see that I did not receive any funds through them ever! I have the bank account records and emails to prove it!

Sincerely,

*****************
Business response
03/31/2023
Good day,

Thank you for contacting First Loan.

It is Tribal policy that all consumer complaints be handled in a prompt and fair manner. We take identity theft very seriously. If you believe an unauthorized person has submitted an application or received a loan using your personal information we encourage you to contact us so that we may conduct a thorough investigation.

Please call us at ************** or email us *********************.
Regards,
First Loan
Initial Complaint
01/19/2023
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I obtained a loan with first loan for $600 November 2021. I was in a serious financial bind and was made to sign loan agreements prior to approval. Fast forward to November of 2022, without any contact with me sent a wage garnishment to my employer. I've since then have been garnished every week at the rate of 15%, which is put a SERIOUS burden on me and my family's well being!! I have already paid back thru pay garnish over $900, and the wage garnishment states a total of $1,250!! I've tried to login to my account via there website to make sure of my balance to only find out I cant because they a big message that you cannot get past to access your account pops up saying they no longer offer loans!!! I did some research and found out that there is also a class action lawsuit against them, for illegal, fraudulent practices!! I do acknowledge the $600 I borrowed. However, no contact from them, and no court ordered judgement for garnishment has ever been filed! I demand the garnishment STOPS NOW, and that I'm also reimbursed every dollar I've already paid back through payroll deduction aside from the $600 i originally borrowed!! This company is a SCAM and should be prosecuted for there illegal and non transparent practices!!! I will be filing the same complaint against them, with the ohio attorney general!
Business response
01/20/2023
Good day,

Thank you for contacting First Loan.
We apologize for any inconvenience. Please be advised that our company does not garnish wages. You may have confused a voluntary wage assignment with a wage garnishment.

If you still want to continue in making an arrangement with First Loan we can request to retract back your account and proceed to provide the assistance necessary for you to address this obligation. We encourage you to contact us at ************** and we will make every effort to address your concern.

Regards,
First Loan

Customer response
01/21/2023

Complaint: 18857035

I am rejecting this response because:

I have paid back thru payroll garnishment $825. I would like this garnishment stopped and the account settled at this point.
Sincerely,

*************************
Business response
01/24/2023
Good day,

Thank you for contacting First Loan.
We are sorry for any inconvenience that you've had encountered. We understand that you feel that there are unexpected charges associated with your loan. During the loan underwriting process, you were made aware of certain charges or fees related to the loan as well as the APR. Under the Federal Truth in Lending Act and other applicable regulations, we are required to provide an accurate and comprehensive fee disclosure. The charges related to your loan were written out in the loan documentation which you agreed to during the lending process.

Before funding a loan, customers are advised of the total cost of their loan and the fees along with different plans to pay the loan back which we believe are competitive with other lenders. This is an expensive form of borrowing, and it is not intended to be a long-term financial solution. These loans are designed to assist you in meeting your short-term financial needs. We really want to help you.

As a courtesy, we will disregard your remaining balance and your account will now be closed as "Paid Off-Settled".

Should you require further assistance, please do not hesitate to call us back at ************** and a Resolution Specialist will assist you.

Regards,
First Loan
Customer response
01/31/2023
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. I would also like proof that the wage assignment has stopped coming out of my pay check as of the date of business's response. January 30th, 2023.

Sincerely,

*************************
Initial Complaint
11/08/2022
Complaint Type:
Service or Repair Issues
Status:
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.
I received an email on 11/06/2022 titled "Notice of Voluntary Wage Garnishment" from FirstLoan.com. I have been called at home at all hours of the day and night and at work from 8am until I leave, constantly throughout the day. I have tried calling and emailing without a response. This loan was discharged in a Chapter 7 in 2020. I should not be contacted AT ALL. EVER. I forwarded the email as well as some of the voicemails over to the district attorney and I am going to contact the ************************************* I have since contacted my attorney and we are going to file a lawsuit not only for her time but for harassment and illegal business practices. We truly fear for our lives.Just FYI - Tribal loan companies are covered under CFPB v. Great Plains Lending, LLC while People v. MNE applies in **********.
Business response
11/11/2022
Good day,

Thank you for contacting First Loan.

We are sorry for the inconvenience. We want to reassure you that our team has resolved the problem because the communication you received was in error. We appreciate your cooperation.
Please call us at ************ if your issue is still unresolved, and a Resolution Specialist will help you.

Regards,

First Loan
Customer response
11/12/2022

Complaint: 18375800

I am rejecting this response because: This was not "in error". This was illegal. Most people that received that email would have paid something because they were scared. The email I received trying to scare me and demanding money was illegal. Calling my personal cell at all hours of the day and night was unacceptable. But calling me at work at hospice and telling the receptionists that you were collecting a past due debt is against the law.
Luckily my lawyer called and scared First Loan; that's the only reason they responded. We are reporting this to the bankruptcy judge. There are laws that govern this and penalties that can be requested. We are going to demand compensation and are currently contemplating a class action lawsuit.i want this company to admit they tried to get money not owed and I want compensation for the harassment.

Sincerely,

*********************************
Business response
11/15/2022
Good day,

Thank you for contacting First Loan.

The single email that you received from First Loan was sent in error. Your account is not subject to further collection action. The sending of the email was not intentional and completely inadvertent. We apologize for any inconvenience.

Should you require further assistance, please do not hesitate to call us back.

Regards,

First Loan
Customer response
11/30/2022

Complaint: 18375800

I am rejecting this response because: This is completely illegal and unethical of a business. What if someone received that same email and just paid them? That has probably happened many many times. This company needs to look into their illegal business practices or a government body needs to take a deeper look.
If this doesn't happen soon, I am going to the news, Five on Your Side and bring all of this to their attention. Hopefully this will cause a governmental body to look deeper into this company.
I wonder how many people this company sent those letters too "in error". How many people had to pay their lawyer like I did to get assistance.

Sincerely,

*********************************
Initial Complaint
11/08/2022
Complaint Type:
Service or Repair Issues
Status:
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.
Yesterday 11/7/2022 I received a threatening email from First Loan about a notice to wage assignment garnishment. They are telling me like they did Oct 2020 they will be sending a wage assignment to my employer unless I fill out a form or send a letter revoking the permission for the wage assignment.I have already done this back in Oct ******************************************************************** the future.Yesterday same email. I replied several times including forwarding the email from Oct 2020 and the certified letter I spent money to send again with the images.I tried to call yesterday morning 11/7 after getting the email but when I refused to give my DOB and offered the reference number on the email instead the agent hung up after saying "how can I verify you then?"Today I called back and spoke with ***** first. I verified my info anyway and asked to speak to a supervisor. He asked what it was about before transferring and I said the threatening wage assignment email I received and he replied there was no assignment on my record.I still asked for a super. After waiting a few minutes I got ******. She claimed it was a glitch in their system and there was no wage assignment. I demanded an email for proof. She asked if I wanted to wait on the line while she sent the email and I did. I received the similar email from Oct 2020 stating "We are in receipt of your inquiry in which you want to revoke your Wage authorization. Per your remarks, I have revoked to prevent further Wage Assignment withdrawals."She proceeded to speak about the loan saying "since I called them" asking when I will pay. I told her I could not discuss that now as I am preparing to give birth and after the suffering they caused me yesterday with the email, I experienced symptoms including mild contractions and stress. ****** KEPT repeating the same questions. I finally had to hang up to get her off the line because she refused.
Business response
11/11/2022
Good day,

Thank you for contacting First Loan.

We are sorry for the inconvenience. We want to reassure you that our team has resolved the problem because the communication you received was in error. We appreciate your cooperation.
Please call us at ************ if your issue is still unresolved, and a Resolution Specialist will help you.

Regards,

First Loan
Initial Complaint
11/07/2022
Complaint Type:
Billing Issues
Status:
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.
I received an email from this company stating that I defaulted on a loan from them in 20** and they would begin garnishing my wages in 10 days. However, all of my debt was discharged thru a ch.7 bk in 2020. They have also not provided any validation of this debt and are in violation of the United stated bk laws in even attempting to collect on a discharged debt. Bk case #**-32662-jda. I am requesting that they immediately revoke any VOLUNTARY WAGE ASSIGNMENT that *** have been entered into prior to the discharge of this debt thru the ch.7 bankruptcy. They do not have permission or the legal standing to assign my wages to themselves as a means to repay a debt that was legally discharged thru ch 7 bankruptcy.
Business response
11/08/2022
Good day,

Thank you for contacting First Loan.

We apologize for any inconvenience. Please be advised that our company does not garnish wages. You may have confused a voluntary wage assignment with a wage garnishment.

First Loan is committed to promptly resolving customers' issue. Kindly contact us at ************** and one of our Resolution Specialists will assist you.

Regards,
First Loan
Customer response
11/08/2022

Complaint: 18367370

I am rejecting this response because: this company illegally and erroneously contacted my employer in an attempt to "voluntarily assign wages" on a debt that was discharged through a ch. 7 bankruptcy. Even in their response they are making no attempt to make it right or reassure me that they will discontinue their illegal attempt at collecting on a legally discharged debt. I won't consider this issue resolved until they assure me that they will discontinue their attempts at garnishing my wages. Based on their response above, if they are not willing to concede then my next step will be to initiate a lawsuit. There is nothing voluntary about attempting to access my employment wages to pay themselves back on a debt that was lawfully discharged 2 years ago through a Ch 7 BK. If I did agree to a voluntary assignment of wages that was buried in loan paperwork, then I revoke that permission and it has be revoked anyway by way of the Chapter 7 discharge. What this company is doing is wrong & illegal and it needs to stop.

Sincerely,

*****************************
Business response
11/11/2022
Good day,

Thank you for contacting First Loan.

We are sorry for the inconvenience. We want to reassure you that our team has resolved the problem because the communication you received was in error. We appreciate your cooperation.
Please call us at ************ if your issue is still unresolved, and a Resolution Specialist will help you.

Regards,

First Loan
Customer response
11/30/2022

Complaint: 18367370

I am rejecting this response because:this company has promised me that they would send me something in writing (via email) confirming that their attempt at having my employer voluntarily assign my wages was their error and they would make no further attempts to intercept my payroll, however to date they have not provided anything that I would consider adequate. This is an extremely unscrupulous business and there collection practices are equally as unscrupulous and illegal. As *** stated before, I will not consider this matter resolved until I receive something in writing from them stating that neither they or any company on their behalf will make no further attempts at collecting on this discharged debt and that I have their assurance that they will make no further attempts to garnish my wages under the false claim that I agreed to a voluntary assignment of wages so they are within their legal rights. I also simultaneously have a grievance filed with the state attorney generals office and will not back down until they provide me what I am faking for in writing. I will not tolerate illegal and abusive collection attempts.

Sincerely,

*****************************
Business response
12/05/2022
Good day,

Thank you for contacting First Loan.

The single email that you received from First Loan was sent in error. Your account is not subject to further collection action. The sending of the email was not intentional and completely inadvertent. We apologize for any inconvenience.

Should you require further assistance, please do not hesitate to call us back.

Regards,

First Loan
Initial Complaint
09/22/2022
Complaint Type:
Product Issues
Status:
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.
I did sign loan with them but did not realize they were breaking law by charging 764% interest on my loan as a fraudulent ****** leader. The state of ******** has filed a class action lawsuit against the company. While I am in ******* the suit accuse firstloan of fraudulent behavior and I doubt a state would bring a suit if they did not have facts to back them up. I am requesting a refund of any money amount paid above ******* legal interest rate.
Business response
09/23/2022
Good day,
Thank you for contacting First Loan

We understand you've put so much time and effort into this, and it has to be difficult for you. Please accept our deepest apologies for the inconvenience.
We encourage you to contact us ************ or email us at [email protected], and we will make every effort to address your concern.

Regards,

First Loan
Customer response
09/27/2022

Complaint: I have previously emailed and tried calling just about my balance and my concerns on the legality of the loan it has been several weeks with no response. I had this loan since the beginning oof January of this year at ********************************************************************************************** full and stop taking payments out my bank account. I have forwarded my issue with ******* attorney General about the legality of this loan . On there site they are no longer giving loans I believe due to class action lawsuit. If they believe they did nothing wrong they would be continuing doing loans.
I
Sincerely,

*********************************
Business response
10/06/2022
Good day,

Thank you for contacting First Loan.

We informed you via email that your account has been settled.

Should you require further assistance, please do not hesitate to contact us.

Regards,

First Loan

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