Business Profile

Payday Loans

Rosebud Lending

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Complaints

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

Customer Complaints Summary

142 total complaints in the last 3 years.
82 complaints closed in the last 12 months.

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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.

Initial Complaint
Date:11/28/2023
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.
October 25,2023 I deposit of 750.00 was in my bank account I called my bank the same day to let them know it was an unauthorized deposit. Then on November 10 I seen they took out 200.83 again I called my bank to inform them it was an unauthorized transaction taking out of my account. They closed my account and I have to get a new debit card. The same company sent me a email saying I own them 4,048.19 I need some help to resolve this issue. I never signed up for a payday loan I called the company to speak to Someone in the fraud department they always say it’s no one to take my call. On of the documents have the wrong date they have the correct one at the bank
Business Response
Date: 12/07/2023
To ****** *******:
I am writing on behalf of *** ** dba Three
Sticks Lending, a wholly owned subsidiary of ******* ******** *********** ***********, 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 complaint. 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
inquiry.
Our records show that the loan credit was
returned by your bank. There is no outstanding balance on this account. The
account is closed. If you believe that you are a victim of identity theft, we
recommend that you report identity theft to the Federal Trade Commission.
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
Initial Complaint
Date:09/15/2023
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.
** ***** ****** does not abide by all Federal laws and best practices in the retention and destruction of customer applications.

** ***** ****** asked for my banking account username and password to log into my account. I immediately was resistant and hesitant. The young lady assured me that since we are screen sharing it’s ok. I still was hesitant. I finally decided to provide the information after her multiple persuasion attempts. She took screenshots of documents she didn’t mention prior to accessing. After hanging up, I immediately changed my bank account information, because no legit company will ask for your login credentials under an unsecure network. That night I was sent a Notice of Adverse Action email that my loan was denied. It stated to contact the credit agency, but left no information. “ You can find out about the information contained in your file (if one was used) by contacting:

Consumer reporting agency name: N/A
Address: N/A
Telephone number: N/A”

When ** ***** ****** receives concerns from a customer, the business send you directly to a recording. They have your number programmed so you cannot speak with a representative. I called from an number to get through. Once I explained my situation and who I was, the rep said she was sending me to a manager but forwarded me back to the recording where I cannot speak to anyone. I do not believe my file was handled in accordance with legit company’s policies and procedures. I am asking that this company deletes any and all information they have on file containing my bank account information, social security number, my name, address and employment information.

Had I not changed my information I would have been scammed and the little money I do have would have been stolen by this company. NEVER EVER EVER GIVE OUT YOUR LOGIN CREDENTIALS AND SECRET CODES!!!! No matter how legit the person sounds on the other end.
Business Response
Date: 09/19/2023
Dear ********
We regret that you are
dissatisfied with the application process with ** ***** ******. 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 during the underwriting process. Upon a final
review your application did not meet all of our criteria based on our
underwriting policies.

In response to your concerns
there are a number different of methods that can be used to provide the supporting
documentation necessary to complete the application process. In addition, there
was no information from any credit reporting bureau that was considered on the
application.

We are pleased to resolve this
complaint by assuring you there was a full review completed on your account and
that ** ***** ****** abides by all Federal laws and best practices in the
retention and destruction of customer applications.

When ** ***** ****** receives
concerns from a valued customer, the business takes great steps to review our
records and our procedure. We are satisfied that your file was handled in
accordance with our detailed policies and procedures.

Sincerely,

Compliance Department

** ***** ******
************
**** *** ****
***** ******** **** *****
Mission, SD 57555
Initial Complaint
Date:08/24/2023
Type:Service or Repair 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.
Incessant calling.
Customer Answer
Date: 08/24/2023
I have been receiving robot calls from this company (1-888-980-1532) for weeks. Recently, they have started calling multiple times a day. I have attached a video within the PowerPoint presentation showing this. I have texted them stating that I wish for them to stop, but they have continued. I wish for them to stop contacting me.
Business Response
Date: 09/05/2023
Dear ******* ***********

This
letter is in response to your recent correspondence to the Better Business
Bureau (BBB). We have reviewed your file including all correspondence on your
account and would like to take this opportunity to address your concerns.

Our records
indicate that you originally applied for a $900.00 installment loan on August
24, 2023. The phone calls made to you
where to verify information for the purposes of completing your
application. We have turned off all
calling to the numbers listed on your application and you will no longer
receive calls.

If
you have any questions, please do not hesitate to contact ZocaLoans offices,
Monday through Friday, 8:00 a.m. to 8:00 p.m. Eastern.

Sincerely,

ZocaLoans
Customer Support
**************
**** *** ****
***** ******** **** *****
Mission,
SD 57555
********

Enclosure
cc: Better Business
Bureau Case # ********
Initial Complaint
Date:08/24/2023
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.
This business is unethical and predatory in its lending practices. The customer service department is a call center with limited authority or knowledge. Every person I spoke with could not give me the interest rate which I was charge and refused to escalate my call to an actual loan officer or other administrator. The “supervisors” that I spoke with disclosed that they worked for call center operators and could not escalate my concerns to the actual lender. When I asked for a point of contact that I could discuss the loan terms with, I was told this info is not available. Even in email correspondence, no name was used as sender or in signature line.

My initial issue was that the fee schedule was not disclosed and intentionally excessive to the extent it resulted in unjust enrichment of the company.

I expected a high interest rate but nothing like what I was charged. I originally took out a loan of $750 with payments of $186 every two weeks. Unknowingly to me, only $10 was applied to the principal amount per payment!? I am pretty sure I selected the option to pay off the loan in 5 payments.

By the time I realized the charges from my account and contacted customer service, I had paid this company a little over $2,000 and they quoted me a balance of $620, which I adamantly dispute. I asked about an interest rate cap or some guidance about what state laws they operate under to have a better idea of my rights. I was told, “they’re not subjected to any laws because it is a tribal lender.” I requested to be contacted by the lender or a manager/supervisor/administrator/legal department with authorization regarding the loan OR at least a point of contact. I was told this was not an option. I am exhausted.

There is law and there is equity. I’m not sure these practices are either.
Business Response
Date: 09/05/2023
Dear ******* **********,

This
letter is in response to your recent correspondence to the Better Business
Bureau (BBB). We have reviewed your file including all correspondence on your
account and would like to take this opportunity to address your concerns.

Our records
indicate that you originally applied for a $900.00 installment loan on August
24, 2023. The phone calls made to you
where to verify information for the purposes of completing your
application. We have turned off all
calling to the numbers listed on your application and you will no longer
receive calls.

If
you have any questions, please do not hesitate to contact ********* offices,
Monday through Friday, 8:00 a.m. to 8:00 p.m. Eastern.

Sincerely,

*********
Customer Support
**************
**** *** ****
***** ******** **** *****
Mission,
SD 57555
********

Enclosure
cc: Better Business
Bureau Case # ********
Business Response
Date: 09/07/2023
Dear Nicole,
This letter
is in response to your concerns that were sent to ** ***** ****** 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 were approved for a $750 loan on January 31, 2023. The terms
of the loan were provided to you at that time, and you reviewed the terms and
electronically signed these documents. The Annual Percentage Rate (APR) was
clearly outlined in the agreement, in which you signed. We are providing you
with an additional copy of the loan agreement with this response.
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.
We can also
confirm that during the application process a customer service representative verbally
read to you a mandatory script that explains in detail interest and repayment options
available.
On August 1,
2023, you made contact with our customer service department and expressed
dissatisfaction with your loan. In an effort to resolve your dissatisfaction we
offered to freeze any further interest being applied and that all future
payments be applied to reducing the outstanding principal balance, which was
subsequently implemented.
On August
23, 2023, you made further contact with our customer service department and
ultimately revoked your payment authorization, which was immediately
implemented, and your loan was then passed on to our payment services
department in an effort to organize an alternative method of payment.
My Quick
Wallet understands that you may be going through an unexpected period of
financial hardship at this time. In order to assist you, ** ***** ****** is
happy to continue with the offer of a suitable payment plan where all future payments
received will go towards reducing your outstanding principal balance of $248.00
with no past due or additional interest, fees or charges applied.
Whenever My
Quick Wallet receives concerns from a valued customer, the business takes great
steps to review our records and our procedure. We are satisfied that your file
was handled in accordance with our detailed policies and procedures.
If you have
any questions, please do not hesitate to contact My Quick Wallet.
Sincerely,

** ***** ****** Customer
Support
************
**** *** ****
***** ******** **** *****
Mission, SD 57555
Initial Complaint
Date:07/06/2023
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Yesterday morning I received an email from my quick wallet to apply. I was on the phone with the representative and she had asked for my bank log in to log in to my account I immediately said no please remove my information and when I checked yesterday I received an email that my application was withdrawn and I contacted a representative this morning and told me that they only need my bank and routing number to deposit the funds so I decided to apply for $950. I explained to the representative that I would call later after work to apply and he quickly said we will give you a call I said no I will call when I get off of work. When I went to log in I could not find my application and then when I called it said I was temporarily decline it didn’t say the reason why. The recording said there were no agents available. This is loan sharks and this is predatory. This lender needs to go out of business.
Business Response
Date: 07/10/2023
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 the
application process with My Quick Wallet. 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 we received a loan application from you on June 29, 2023.
Contact was then made with you by one of our customer service representatives
to obtain the required supporting documentation necessary to complete the
application process. My Quick Wallet provides a number of methods, including email,
fax and uploading it on our website, for which this supporting information can
be provided which was explained to you at the time.
Once
the supporting information is received, the application will then be forwarded
to our underwriting department for final approval. Since no supporting
information was provided, we have closed your request and we are pleased to
resolve this complaint by confirming that My Quick Wallet abides by all Federal
laws and best practices in the retention and destruction of customer
applications.

When
My Quick Wallet receives concerns from a valued customer, the business takes great steps to review our records and our
procedure. We are satisfied that your file was handled in accordance with our
detailed policies and procedures.

Sincerely,

My
Quick Wallet Customer Support
************
**** *** ****
***** ******** **** *****
Mission,
SD 57555
Customer Answer
Date: 07/10/2023

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID 20261227, and find that this resolution is satisfactory to me.

Sincerely,

Amanda Morales
Initial Complaint
Date:06/30/2023
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.
Business is misleading and lies about interest rates. You apply for a “short term loan” online, not a payday loan and they send it to a 3rd party. That’s where it becomes a payday loan and it’s never disclosed to you. I was told interest was $30 for every $100 or 30%. I made the representative repeat himself 3 or 4 times to make sure I was clear on what I had to pay back. However he did not say the interest renews every 2 weeks. So the interest is more like 1000%! The company is a scam and I’ve had to close my account because even the amount they take out of my account is wrong based on the screenshot of the “short term loan” I agreed to not the payday loan that was not mentioned at all! From the start they lie to you about the company and where the loan is coming from and they also lie about interest rates! Scam company stay away! Per recorded phone conversation interest total should have been $210 but they have taken $463 total and would still steal from me if i didn’t close my account! I’m disputing the last charge of $208 because had they disclosed to truth of their company I would have NEVER did business with them. Total amount borrowed $700 total amount paid back $1163. Refund of $253 is due.
Business Response
Date: 07/10/2023
Dear ********,

This letter is in response to your concerns that were sent to ** ***** *****t 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 were approved for a $700.00 loan on April 26, 2023. The terms of the loan were provided to you at that time, and you reviewed the terms and electronically signed these documents. The Annual Percentage Rate (APR) was clearly outlined in the agreement, in which you signed. We are providing you with an additional copy of the loan agreement with this response.
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.
** ***** *****t can also confirm that during the application process a customer service representative verbally read to you a mandatory script that explains in detail the repayment process and options available.
** ***** *****t understands that you may be going through an unexpected period of financial hardship at this time. In order to assist you, ** ***** *****t is happy to offer a payment plan where all future payments received will go towards reducing your outstanding balance of $650.00 with no past due or additional interest, fees or charges applied.
Whenever ** ***** *****t receives concerns from a valued customer, the business takes great steps to review our records and our procedure. We are satisfied that your file was handled in accordance with our detailed policies and procedures.
Sincerely,

** ***** *****t Customer Support
************
**** *** ****
***** ******** **** *****
******** ** *****
Initial Complaint
Date:05/16/2023
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 received a denial for the loan which is fine but your authorization representative had be share her screen and log in to my bank account. This is scary for a multitude of reasons. I need confirmation that all of my information has been removed. I cannot afford to setup another bank account right now. I have too many bills coming out soon and account will overdrawn if I do it now. I'm really hoping this isn't some scam to get my bank information as I think it would be obvious that anyone seeking a loan doesn't have much to their name to begin with. Please send me confirmation that my information has been deleted.
Business Response
Date: 05/19/2023
Dear Tara,

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 the application process with My Quick Wallet. 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 during the underwriting process. Upon a final review your application did not meet all of our criteria based on our underwriting policies. During our review process, we make every effort to approve the loan for the amount requested. While we recognize that you did not qualify for the loan, if your financial situation changes, we invite you to apply with us again.

In accordance with your request we have closed your account and we are pleased to resolve this complaint by confirming that My Quick Wallet abides by all Federal laws and best practices in the retention and destruction of customer applications.

My Quick Wallet always recommends the regular update of passwords to help protect oneself from any potential fraud or misuse.

In addition, we can confirm that a Notice of Adverse Action was emailed to you on the day of the application decision.

When My Quick Wallet receives concerns from a valued customer, the business takes great steps to review our records and our procedure. We are satisfied that your file was handled in accordance with our detailed policies and procedures.

Sincerely,

My Quick Wallet Customer Support
************
**** *** ****
***** ******** **** *****
******** ** *****
Customer Answer
Date: 05/19/2023

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.

Sincerely,

Tara ******
Initial Complaint
Date:05/08/2023
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 received a loan *** ********* **** **** **** * ******* ******* ******* ** ****r overly illegal interest rates.
They only pay less than ***** dollars towards the payment of your loan. Which keeps the consumer in debt. **** ********* **** ** *** **** ****** *** ** *** *******. I took out my loan in March of 2023.
Business Response
Date: 05/08/2023
Dear Ms. ******,
This letter is in response to your recent correspondence to the Better Business Bureau (BBB). We have reviewed your file including all correspondence on your account and would like to take this opportunity to address your concerns.
Our records indicate that you originally applied for a $****** installment loan and were approved for this loan on April 15, 2023. The terms of the loan were provided to you via email, at that time, and you reviewed the terms and electronically signed these documents on April 16, 2023 at 12:43 p.m. Pacific. 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. In addition, the Annual Percentage Rate (APR) was clearly outlined in the agreement as well as how your payments are applied to your loan balance, in which you signed.
We are sorry that you are not fully satisfied with our loan product. At any time, you can make additional principal payments to pay your account off faster without penalty and therefore reduce the amount of interest accrued on your account. Should you wish to make additional principal payments, you can do so via your online portal or by calling a customer service agent who will be happy to assist you.
If you have any questions, please do not hesitate to contact ********* offices, Monday through Friday, 8:00 a.m. to 8:00 p.m. Eastern.
Sincerely,
********* Customer Support
**************
**** *** ****
***** ******** **** *****
******** ** *****
*******
Enclosure
cc: Better Business Bureau Case # ********
Customer Answer
Date: 05/09/2023
This is a response given to all consumers whom have complained about this company and ** **** ******* *** ** ******* *** ******** **** * ******* *** astronomical interest fees. This company's response is lacking and just a facade. Poor customer service and this company should be banned.
Business Response
Date: 05/11/2023
Dear Ms. ******,
This letter is in response to your recent correspondence to the Better Business Bureau (BBB). We have reviewed your file including all correspondence on your account and would like to take this opportunity to address your concerns.
We are sorry that you are not totally satisfied with our product. ********* is committed to providing exemplary customer service. ********* is willing to extend the right of recission and all you to pay back the remaining principal balance of $****** no later than June 8, 2023. Should you not wish to repay the remaining principal back by the due date of June 8, 2023, ********* will continue the standard collection practices on the full remaining balance on your account.
After full review of your account, ********* can confirm you have successfully revoked all future ACH payments that were scheduled. In order to make a payment, you must do so manually. Feel free to reach out to one of our customer service agents to schedule the remaining payments on your account.
If you have any questions, please do not hesitate to contact ********* offices, Monday through Friday, 8:00 a.m. to 8:00 p.m. Eastern.
Sincerely,
********* Customer Support
**************
**** *** ****
***** ******** **** *****
******** ** *****
*******
Enclosure
cc: Better Business Bureau Case # ********
Customer Answer
Date: 05/11/2023

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.

Sincerely,

Lisa ******
Initial Complaint
Date:04/17/2023
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.
They are charging too much interest I borrow **** I paid *** back and still owe **** I should owe less
Business Response
Date: 04/21/2023
Dear Mr. ********
Can you please provide more information on which company you have a loan with.
Once this is provided, I can better assist you with your complaint.

Mandy
Compliance Manager
Customer Answer
Date: 04/21/2023

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. *** **** ****** is the company I have a loan with

Sincerely,

James ********
Business Response
Date: 04/24/2023
Dear Sir/Madam:

Thank you for notifying us of the above-referenced complaint submitted to your office by James ******** concerning their consumer loan account with *** **** ******.

As you may be aware, *** **** ****** is a wholly owned subsidiary of Arrow Financial Services, a wholly owned, economic development arm of the Rosebud Sioux Tribe (“Tribe”), a federally recognized Indian tribe. *** **** ****** was established and licensed and is operating under the laws of the Tribe and its operations are required to comply with Tribal and federal consumer financial protection laws. The Tribe shares your interest in ensuring consumer complaints are handled in a prompt and fair manner. To that end, the Tribe maintains its own mechanisms and procedures for handling consumer complaints and otherwise ensuring compliance with applicable law.

By way of a brief background, in response to James ********** request for a loan, completion of the loan approval process and execution of a Loan Agreement on or about March 13, 2023, Mr. ******** was provided an installment loan in the amount of $********, with a repayment term of approximately * months. The Loan Agreement included Truth in Lending Act (TILA) disclosures, along with other terms and conditions. The TILA disclosures clearly state the Amount Financed, Annual Percentage Rate, Finance Charge and Total of Payments.

Notwithstanding that Mr. ******** agreed to the terms of the loan when he accepted it and has not availed himself of the Tribal dispute resolution procedures described in the Loan Agreement, in the interest of amicably resolving this matter we will close Mr. ********** account as paid in full and forgive any outstanding loan balance.

Please feel free to contact us if you have any questions or require further information.

Respectfully,
*** **** ******
Initial Complaint
Date:03/07/2023
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 date is 10/22/22
1. The loan I got was ******
2.there credit financial charge *******
3. Total I have paid ********
4. **** ** ******** ***** ******* **** ************ ****** 5. I got legal advice advising me to stop auto debit so I email them and stop payment with my bank.
6. I paid enough not going to be overcharged
7. The agreement is void ** *** ***** ***** ******** **** *** ******** ** *****
*********************
Because of the addresses claimed to be two different ones and above address ****** it has ** as state then this one.
So I’m done I even had to go to another financial institution
I sent proof of the so called ** address.
Business Response
Date: 03/09/2023
Dear Terryl ********,

This
letter is in response to your recent correspondence to the Better Business
Bureau (BBB). We have reviewed your file including all correspondence on your
account and would like to take this opportunity to address your concerns.

Our records
indicate that you originally applied for a $****** installment loan and were
approved for this loan on October 20, 2022. The terms of the loan were provided
to you via email, at that time, and you reviewed the terms and electronically
signed these documents on October 20, 2022 at 2:18 p.m. Central. 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. In addition, the
Annual Percentage Rate (APR) was clearly outlined in the agreement as well as
how your payments are applied to your loan balance, in which you signed.

We are sorry that
you are not fully satisfied with our loan product. In order to maintain our commitment to
customer service, we are willing to accept all payments made to date and settle
your loan in full. No further payments
will be required on your loan.

If
you have any questions, please do not hesitate to contact ********* offices,
Monday through Friday, 8:00 a.m. to 8:00 p.m. Eastern.

Sincerely,

*********
Customer Support
**************
**** *** ****
***** ******** **** *****
******** ** *****
*******

Enclosure
cc: Better Business
Bureau Complaint ID # ********
Customer Answer
Date: 03/09/2023

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.

Sincerely,

Terryl ********

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When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

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Rosebud Lending is NOT a BBB Accredited Business.