Complaints

This profile includes complaints for Rosebud Lending's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Rosebud Lending

  27565 Research Park Dr. Mission, SD 57555

• 

  Rosebud Lending

  PO Box 1197 Mission, SD 57555-1197

• 

  Rosebud Lending

  PO Box 1149 Mission, SD 57555

• 

  Rosebud Lending

  PO Box 1145 Mission, SD 57555-1145

• 

  Rosebud Lending

  PO Box 1173 Mission, SD 57555

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:07/15/2025

  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.

  This business looked up and is using my employer phone number to contact me at work. I did not give them the number or permission to contact me at said number. I have had 2 calls today alone and demanded BOTH times to be placed on the do not call list!

  Business Response

  Date: 07/23/2025

  July 23,
  2025
  Dear *****
  
  This letter is in response to your concerns submitted to My Quick Wallet
  through the Better Business Bureau (BBB). We regret that you were dissatisfied
  with the application process at My Quick Wallet. Customer satisfaction is our
  top priority, and we want every customer to know how much we value them. The
  company takes these types of inquiries very seriously and appreciates the
  opportunity to respond.
  
  Our records indicate that we received
  a partially completed loan application from you on July 14, 2025. To complete
  the application and obtain the necessary supporting information, one of our
  customer service representatives attempted to contact you using the phone
  numbers authorized on your application. As part of our customer verification
  policy, we require certain identifying information to be verbally verified
  before proceeding.
  
  We are happy
  to resolve the complaint by confirming that the application has been closed and
  no further contact was attempted or will be attempted.
  
  We sincerely
  apologize for any inconvenience or concern this may have caused and appreciate
  your feedback and the opportunity to address your concerns.
   
  
  
  Sincerely,
  Compliance
  Department
  My Quick
  Wallet
  

  Customer Answer

  Date: 07/24/2025

  
  
  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.
  
  
  
  
  Sincerely,
  
  
  
  ***** *******

• Initial Complaint

  Date:07/14/2025

  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.

  The business failed to honor the terms of our signed contract, which authorized a one-time debit of $1,000. Instead, they have repeatedly withdrawn varying amounts ranging from $160 to $307 every two weeks without my consent.
  
  When questioned, the company claimed the $1,000 debit was rejected by my bank and unilaterally altered the repayment plan without providing proof or obtaining my authorization. Despite my request for documentation of the alleged rejection, the company ceased communication but continued unauthorized debits.
  
  During phone conversations, I had to repeatedly correct customer service representatives that I only consented to a one-time debit as per the contract. Their ongoing actions suggest they never intended to follow the original agreement. The initial payment notice sent by the company showed a $160 payment, contradicting the agreed-upon terms from the outset.
  
  I have filed a fraud complaint with my bank, which confirmed no attempt was made to process a $1,000 debit. Additionally, each withdrawal appears under a slightly different merchant identification, and payment reminders via text reflect inconsistent amounts, further indicating deceptive practices.
  
  The address listed on the loan documents is also incorrect—I have not lived there since 2022.
  
  This company’s conduct is predatory, deceptive, and in direct violation of the signed agreement. I am requesting immediate resolution, including cessation of unauthorized debits and a full investigation into these practices in addition to a full refund of all debits made. The company rendered their contract void when they unilaterally altered the terms without consent.

  Business Response

  Date: 07/17/2025

  July 16, 2025
  
  Dear ****
  This letter is in response to your concerns that were sent to
  My Quick Wallet from the Better Business Bureau (BBB). We regret that you are
  dissatisfied with your loan and the concern caused. Customer satisfaction is
  our top priority, and we want each customer to know how much we value them. The
  Company takes complaints very seriously and appreciates the opportunity to
  respond.
  
  Our records indicate that you applied for and were approved
  for a $1,000 loan on May 5, 2025. At the time of approval, the full terms and
  conditions of the agreement, including repayment obligations and applicable
  fees, were disclosed and electronically signed. The contract provided the
  option to close the line of credit by paying a total of $1,150.00, which
  includes the amount financed and a one-time finance charge, due on May 13,
  2025, provided the appropriate notice was given.
  
  Although you submitted a Pay in Full (PFA) request, the
  initial $150 ACH debit, which represented the finance charge portion of the
  PFA, was returned by your bank with ACH return code *** ***** ********** ***** ******. This indicates that the transaction was not honored due to
  authorization issues. A subsequent debit card attempt was also returned with
  the code: *** ****** ******* ****** *******. Due to these failed attempts, we
  were unable to proceed with processing the full payoff, and in accordance with your
  agreement, your account was automatically placed on the standard repayment
  plan.
  
  We understand there may have been some confusion regarding
  whether the Pay in Full arrangement was successfully processed. While your
  request was received, the required payment was not successfully completed, and
  as such, the loan remained active.
  
  That said, in the interest of good faith and customer
  service, we are offering a resolution. As of today, $912 in cleared payments
  have been received. Once your total cleared payments reach $1,000, we will
  consider the account paid in full. No additional charges will be applied beyond
  this. Therefore, a final payment of $88 remains due.
  
  Please note that if any of the prior payments are returned or
  reversed by your bank, this offer may be subject to change.
  
  If you would like to complete the final payment or discuss
  available options, please contact our office at *************** or *********************************. Upon receipt of the
  remaining $88, we will close your account, and no further activity or charges
  will occur.
  
  
  
  Sincerely,
  Compliance Department
  My Quick Wallet
  

• Initial Complaint

  Date:07/08/2025

  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.

  The Company my quick wallet is a fraudulent. I recently applied for a loan and put in all of my information. Call the number to verify the information. Spoke to a lady she walked me through and told me I was approved and that my loan would be deposited the next day by 6 am- no money deposited and no email confirming all I have is my loan agreement documentation signed.

  Business Response

  Date: 07/16/2025

  July 15, 2025
  
  Dear *****
  This letter is in response to your concerns that were sent to
  My Quick Wallet from the Better Business Bureau (BBB). We regret that you are
  dissatisfied with your loan application and the concern caused. Customer
  satisfaction is our top priority, and we want each customer to know how much we
  value them. The Company takes complaints very seriously and appreciates the
  opportunity to respond.
  
  We sincerely apologize that you were not approved for a loan
  after you completed the loan application and the resulting concern. When an
  application is submitted, there are several factors that are systematically
  reviewed during the application process that can pre-qualify you for the loan.
  Then, along with some required supporting information, the complete application
  is forwarded to our underwriting department for final approval. Upon final
  review it was determined that the application did not meet our underwriting
  policies.
  
  We again sincerely apologize that your application was not
  able to be approved and for the resulting concern.
  
  Sincerely,
  Compliance Department
  My Quick Wallet
  

  Customer Answer

  Date: 07/16/2025

  
  
  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.
  
  
  
  
  Sincerely,
  
  
  
  ***** *******

• Initial Complaint

  Date:07/08/2025

  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.

  Was told I had $1000 coming to me and checked my bank and there was only $400 deposited and dont know what the payment plan is but 1st payment is $70. Unknown payment plan and unknown interest rate and when talking to someone about the loan I asked him im not gonna be paying $2000 for a $1000 loan am I cause im not doing that and he said oh no it wont be that much but never gave a clear and descriptive answer. This occurred on July 7, 2025

  Business Response

  Date: 07/16/2025

  July 16, 2025
  Dear *****
  
  This letter is in response to your concerns that were sent to
  My Quick Wallet from the Better Business Bureau (BBB). We regret that you
  are dissatisfied with your loan application experience from My Quick Wallet.
  Customer satisfaction is our top priority, and we want each customer to know
  how much we value them. The Company takes these types of inquiries very
  seriously and appreciates the opportunity to respond. 
  
  Our records indicate that you were approved for a $400 loan
  on July 07, 2024. After a thorough review during our final underwriting
  process, it was determined that a revision to the original approval amount was
  necessary. We understand that this adjustment may have caused some
  disappointment and concern. Please be assured that this decision was made in
  alignment with our commitment to responsible lending and to ensure that the loan
  structure remains manageable and in your best financial interest.
  
  At the time of approval, the full loan terms, including the
  Annual Percentage Rate (APR), were provided to you and electronically signed. As
  stated in our loan agreements, we offer our customers the right to loan
  recession. If a customer is not satisfied with the loan, they have the ability
  to repay the principal amount of the loan with no penalty or interest assessed.
  If you would like to exercise your right of recession, please contact our
  customer services team to arrange. We are happy to extend the stated time frame
  to give you ample time to contact us and organize this repayment.
  
  We hope to continue supporting you with your financial needs.
  If you would like to discuss this further or explore alternative solutions,
  please do not hesitate to contact our customers services team.
  
  
  
  Sincerely,
  Compliance Department
  My Quick Wallet
  

• Initial Complaint

  Date:07/07/2025

  Type:Customer Service 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.

  Received a "courtesy call" from this company, AT MY JOB!!! I was with a client at the time so they left a vmail. I called them back and was told that I had to give my social security number in order for them to look up my account. Of course I said no. Gave them my name but the man insisted on my SS#. I told him that he has my name and phone number and to make sure no one EVER calls my place of employment again. Furthermore, I don't know who this company is, nor have I contacted them directly for any reason. Predators!!

  Business Response

  Date: 07/16/2025

  July 15, 2025
  Dear *******
  
  This letter is in response to your concerns that were sent to
  My Quick Wallet from the Better Business Bureau (BBB). We regret that you are
  dissatisfied with your loan application experience from My Quick Wallet.
  Customer satisfaction is our top priority, and we want each customer to know
  how much we value them. The Company takes these types of inquiries very
  seriously and appreciates the opportunity to respond. 
  
  Our records indicate that we received a partially complete
  loan application from you on July 07, 2025. In attempting to complete the
  application, contact with you was attempted on the phone numbers which were
  provided on the loan application. This included an employment phone
  number.     
  
  My Quick Wallet is happy to resolve this complaint by
  confirming that the employer phone number has been removed as an authorized
  method of contact and will not be utilized any further. Your application has
  also now been closed.
  
  When My Quick Wallet receives concerns from a valued
  customer, the business takes great steps to review our records and our
  procedure. If you have any questions, please do not hesitate to contact My
  Quick Wallet customer support.
  
  
  
  
  Sincerely,
  Compliance Department
  My Quick Wallet
  

• Initial Complaint

  Date:06/26/2025

  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 of $600 from myquickwallet on January 10th, 2025. They are saying I still owe $320 however they have already taken out $2,082 out of my account. I am very upset about this due to this taking money out that I should be spending on taking care of my children.

  Business Response

  Date: 07/07/2025

  July 07,
  2025
  
  Dear ******
  
  This letter
  is in response to your concerns that were sent to My Quick Wallet from the
  Better Business Bureau (BBB). We regret that you are dissatisfied with your
  loan. Customer satisfaction is our top priority and we want each customer to
  know how much we value them. The Company takes complaints very seriously and
  appreciates the opportunity to respond.
  
  Our records
  indicate that you applied for and were approved for a $600 loan on January 10,
  2025. The terms of the loan were provided to you at the time, and you reviewed
  the terms and electronically signed these documents. The Annual Percentage Rate
  (APR) was outlined in the loan agreements. As stated in the loan agreement, we
  offer our customers a three day right of loan recession. During this three day
  period, customers can take the time to review the loan documentation. If a
  customer is not satisfied with the loan, they have the ability to repay the
  principal amount of the loan with no penalty or interest assessed.
  
  
  Also of note
  is that the principal repayment option currently configured was selected by
  yourself at the outset of the loan when reviewing and signing the loan
  agreement.    
  
  After careful consideration of the circumstances involved we have agreed to
  consider the payments received to date as having settled the loan in full. No
  further payments are required.   
  
  We sincerely
  regret that you are not satisfied with your loan from My Quick Wallet and the
  concern caused.
  
  Sincerely,
  Compliance
  Department
  My Quick
  Wallet
  

• Initial Complaint

  Date:06/21/2025

  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.

  06/21/25 I applied for a small loan with my quick wallet. I was approved for $500 after putting all of my personal information into the website which at the time didn’t seem suspicious. I called a number on the website and spoke with a woman who seemed very kind and helpful, again not suspicious at all. I was told that my funds would be in my bank account the next business day. I just so happened to go back to the website a few hours later just for a final review of everything and that is when things got suspicious. The loan I applied for was not there. I called the same number I called earlier today and was not able to speak to a person. I received a message on the call was lengthy telling me my application was denied and was not given a specific reason. I stayed on the line because it said it would route me to a supervisor and ironically one was not available. However, they wanted us to leave a message with our SSN! I then used another phone to call them and the call went through to someone. Immediately after they answered they asked for a full SSN. I refused to give it to them and wanted to know why my loan was approved then declined. They said that I disconnected my bank account from them after the deposit was sent. I absolutely did not. Whoever I spoke to argued with me and was incredibly rude. I asked to speak to a supervisor and they put me on a permanent hold. I finally dropped the call, immediately revoked my bank account access from them, requested a whole new debit card and have had to place a freeze on my credit. This company is a huge scam and this needs to be addressed appropriately.

  Business Response

  Date: 06/30/2025

  June 27,
  2025
  
  Dear ******
  
  This letter
  is in response to your concerns that were sent to My Quick Wallet from the Better
  Business Bureau (BBB). We regret that you are dissatisfied with your loan
  application and the concern caused. Customer satisfaction is our top priority,
  and we want each customer to know how much we value them. The Company takes
  complaints very seriously and appreciates the opportunity to respond.
  
  We sincerely
  apologize that you were not approved for a loan after you completed the loan
  application and the resulting concern. When an application is submitted, there
  are several factors that are systematically reviewed during the application
  process that can pre-qualify you for the loan. Then, along with some required
  supporting information, the complete application is forwarded to our
  underwriting department for final approval. Upon final review it was determined
  that the application did not meet our underwriting policies.
  We apologize
  if the specific reasoning for the decline was not able to be communicated to
  you effectively or appropriately by our representative.
  We can
  confirm that a notice of adverse action was emailed to you on June 21, which
  includes details on how to obtain a written description of the reasoning for
  the adverse action being taken.
  
  
  We can
  assure you that My Quick Wallet abides by all Federal laws and best practices
  in the use of customer information and any subsequent retention or destruction
  thereof. We can also confirm that your website account has now been closed.
  
  We again
  sincerely apologize that your application was not able to be approved and for
  the resulting concern.
  
  
  
  
  Sincerely,
  Compliance
  Department
  My Quick
  Wallet
  

  Customer Answer

  Date: 06/30/2025

  I did receive a correspondence. However, that is not the issue I have with fraudulent company who has my personal information. I called this company after the original application had DISAPPEARED within 1-2hrs of the application being “approved”. This was after my name, birthday, ssn, and bank account numbers were given. I called this company back to find out what was even going on because there was zero indication during the application process that it was a pre approval. My number was essentially blocked from speaking to anyone and when I stayed on the line to speak to a “supervisor” it ironically went to a voicemail that immediately asked for your full ssn. I then called using someone else’s phone and was answered by someone incredibly rude also did the same exact thing. I was asked for my full SSN. I refused to give that information a 5th time and the person to whom I spoke to told me that I had disconnected my account from them after they had sent the deposit. That was why I was denied. Makes zero sense but that is what I was told from the sound of things. Then when I asked to please speak with a supervisor I was put on a permanent hold and spoke to no one. Upon my own research and others reviews of this company they scam people. I don’t care what email was sent to me. I’m telling you what is in the facts. All the information that was needed for my application was there in the beginning and it is awfully suspicious that any company asks for a full SSN, dob, full name, bank account, routing number and debit card number. A full ssn multiple times and then wanting people to leave it on a voicemail. You have to be sent some verification text message in which your ssn, again, is your PASSWORD. Make it make sense. This business needs to be shut down because it is not legitimate and is a scam 100%

  Business Response

  Date: 07/07/2025

  July 07, 2025
  
  
  Dear ******,
  This letter is in response to
  your concerns that were sent to My Quick Wallet from the Better Business Bureau
  (BBB). We regret that you are dissatisfied with your loan application
  experience from My Quick Wallet. Customer satisfaction is our top priority and
  we want each customer to know how much we value them. The Company takes these
  types of inquiries very seriously and appreciates the opportunity to
  respond. 
  We sincerely apologize for the
  experience you received.
  We hold our customer service representatives and all employees to a high
  standard and it appears we fell short.
  We can understand and appreciate your frustration and how this left you feeling
  and again we sincerely apologize.
  The customer service representative in question has been referred to our
  performance improvement training process.
  A complete application does
  not guarantee an approval but does allow for the complete underwriting of the
  application to be undertaken.
  Sincerely,
  
  Compliance Department
  

• Initial Complaint

  Date:06/13/2025

  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 $800 from this company. To date, I have paid back $1415 to this payday loan company. Payday lending is illegal in my state. The company is stating that I still owe over $1000. Since this is illegal, I am seeking a refund for overpayment in the amount of $615 and for this account to be considered paid in full and resolved immediately and for this company to no longer attempt to contact me in any way.

  Business Response

  Date: 06/26/2025

  June 24,
  2025
  
  Dear *******
  This letter
  is in response to your concerns that were sent to My Quick Wallet from the
  Consumer Financial Protection Bureau (CFPB). We regret that you are
  dissatisfied with your loan and the concern it has caused. Customer
  satisfaction is our top priority, and we want each customer to know how much we
  value them. The company takes complaints very seriously and appreciates the
  opportunity to respond.
  
  Our records
  indicate that you applied for and were approved for a $550 loan on January 3,
  2025. At the time of approval, the full loan terms, including the Annual
  Percentage Rate (APR), were provided to you and electronically signed. As
  outlined in the loan agreement, we offer all customers the right to rescind the
  loan. During this stated period, customers may review the loan terms and, if
  unsatisfied, repay the principal amount of the loan with no penalty or interest
  assessed.
  Further
  loans of $60, $170, and $20 were applied for and approved on January 31,
  February 26, and March 3, respectively, with the above stated again holding
  true.
  
  My Quick Wallet is an entity
  owned and operated by the Rosebud Sioux Tribe, from its reservation lands and
  pursuant to tribal laws and regulations. My Quick Wallet is regulated and
  supervised by the Rosebud Sioux Tribal government, which has the power to
  enforce provisions of the Tribe’s consumer financial services laws and
  regulations. This was outlined to you in the loan agreement. This loan was and
  remains legal and compliant under the laws of the Rosebud Sioux Tribe. By
  signing the loan agreement, My Quick Wallet understands that the consumer has
  thoroughly reviewed the repayment terms and acknowledges they are applying for
  a loan via the internet that is subject to the laws and jurisdiction of the
  Rosebud Sioux Tribe.
  Finally, we are happy to resolve your concern by accepting
  the payments made to date as settlement in full on your outstanding balance,
  which includes a $690.00 principal balance. No further payments will be
  required.
  
  Whenever My Quick Wallet receives concerns from a valued
  customer, we take significant steps to review our records and procedures.
  
  Sincerely,
  Compliance
  Department
  My Quick
  Wallet
  

  Customer Answer

  Date: 06/27/2025

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 2*******, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  ******* *******

• Initial Complaint

  Date:06/03/2025

  Type:Billing Issues
  Status:

  UnansweredMore 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.

  This company lended me $250 on 5/18/25, I received an email with confirmation stating that if I paid this back in full by 6/3/25 I would be responsible for $264. I called in today, 6/2/25 and stated I would like to pay the amount in full, they stated there is an auto payment pending of $130 and they could not change that, that if I wait until that payment clears it will go up substantially.. they stated today I would need to pay an additional amount equally $380 to pay this in full. They had no explanation about the email and would not honor that with proof. This is in excusable in every way.. this is definitely fraud and a scam in every way. I called and spoke to 2 different individuals. The first person was ******* and second one did not give a name. I am so distraught over this, and will not be able to sustain this month. I expect a refund otherwise considering small claims. Please BBB help me resolve this.

  Business Response

  Date: 06/17/2025

  June 16, 2025
  Via Online Complaint Portal Better Business Bureau
  Re: BBB Complaint ********* ******* ***** ************
  To Whom It May Concern:
  I am writing on behalf of AFS CS dba Three Sticks Lending, a wholly owned subsidiary of Rosebud Economic Development Corporation, a sovereign economic arm, enterprise and instrumentality of, and created under the laws of and for the benefit of, the Rosebud Sioux Tribe, a federally recognized sovereign American Indian tribe in South Dakota, in response to the above referenced review. While Three Sticks Lending is not subject to regulation by states, the Tribe takes the concerns of other sovereigns and our customers seriously, and we are happy to respond to your review.
  We are in receipt of this complaint and will reach out directly to the customer to resolve this matter.
  Three Sticks Lending strives for excellent customer service and always endeavors to make it right for any customer who is not satisfied with their experience. We trust that you will find this letter of explanation satisfactory. As such, we consider this matter resolved.
  Respectfully,
  ***** ********
  Compliance Manager
  Three Sticks Lending

  Customer Answer

  Date: 06/17/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

  I was charged an additional $130 in interest even though the loan was paid in full on the due date.  I borrowed $250 on 5/19/25 and paid this in full on 6/3/25, by the due date.  This seems fraudulent in my opinion.  I have an email stating if the loan was paid in full by the due date I would pay $264.  Instead $249.84 was withdrawn from my bank account on 6/3/25 and in a separate transaction another withdraw from my bank account on 6/3/25 in the amount of $130.16.  This makes no sense and needs to be rectified.  
  
  
  
  Sincerely,
  
  
  
  ******* *****

• Initial Complaint

  Date:05/27/2025

  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 received an email about a potential loan. I contacted this company thinking nothing of this as I recently applied for a loan and it wasn’t untilI started investigating. I realized this was not the company I originally applied for a loan with they have my information I submitted an email Asking them to please delete my account that I did not authorize any debits to my account. I did not want their loan. This is what they asked for todelete their account only for this to be ignored. I also contacted my bank to let them know the mistake I made who subsequently forwarded me to the fraud detection agency and I let them know what to happened, I let them know that I’d followed all proper steps to let this company know I did not want their money. I did not want an accountwith them and I submitted this in writing, but I have not received response.

  Business Response

  Date: 06/06/2025

  June 06, 2025
  
  Dear ********
  This letter is in response to the concerns you submitted to My Quick Wallet through the Better Business Bureau (BBB). We regret that you are dissatisfied with your application. Customer satisfaction is our top priority, and we want every customer to know how much we value them. The company takes these types of inquiries very seriously and appreciates the opportunity to respond.
  
  We can confirm that your application has been closed, and that no funds have been disbursed.
  
  We again sincerely apologize for the concern caused.
     
  Sincerely,
  
  Compliance Department
  My Quick Wallet