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: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 
   
  
  

• Initial Complaint

  Date:05/26/2025

  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.

  This company is committing fraud and overcharged in financial changes. I have uploaded the contract and need to speak with someone. I have all my documents

  Business Response

  Date: 06/03/2025

  
  Dear *** *****
  We hope this message finds you well. We are writing in
  response to your recent complaint filed with the Better Business Bureau (BBB),
  in which you raised concerns regarding the final payoff amount processed on
  your most recent loan, as well as the impact of a payment extension on the
  total charges assessed.
  First and foremost, we want to express our appreciation
  for your continued business. Your successful repayment of four prior loans
  reflects a positive payment history, and we value the trust you’ve placed in us
  as a long-standing customer.
  Following receipt of your complaint, we conducted a
  detailed review of your account, including payment records, call logs, and
  system notes. The loan in question was a reloan in the amount of $1,400. On May
  26, 2025, a final payment of $909.85 was processed using your debit card after
  our representative reviewed and disclosed the payoff amount during the call.
  Per our records, you provided verbal authorization for that transaction.
  You later raised concerns that the correct payoff should
  have been closer to $600, referencing a balance of $676.04 after your 12th
  payment on May 15, 2025. While that balance was accurate at the time, interest
  continued to accrue daily on the remaining principal until the account was paid
  in full on May 26. This daily interest is standard under the terms of your loan
  agreement and applies regardless of any changes in due date.
  You also expressed concern about being charged additional
  interest due to an extension and stated that you did not request one. However,
  our call logs confirm that on October 14, 2024, at approximately 4:30 PM EDT, a
  courtesy extension was requested and granted, moving your due date from October
  31 to November 15. This change was provided at no cost. In addition, your
  December 31 payment was automatically moved due to the New Year’s holiday, in
  accordance with our standard procedure to avoid processing delays on federal
  holidays. We understand you expressed during a recent call that you did not
  request either change and did not believe it should impact your loan balance.
  Our representative attempted to clarify these points, but the call ended
  abruptly when you advised you would be pursuing formal action against the
  company.
  We understand how billing concerns and timing changes can
  cause frustration, and we sincerely regret any confusion. While the final
  balance reflects standard loan terms and accrued interest, we acknowledge that
  there was a breakdown in communication. In light of your long-standing history
  with us and the circumstances surrounding the final payoff, as a gesture of
  goodwill, and in recognition of your loyalty as a customer, we are approving a
  refund of $309.00, which represents the portion of your final payment that may
  have exceeded the expected payoff amount due to the misunderstanding regarding
  the due date adjustments. This refund will be
  
  processed back to your original payment method. You will
  receive a confirmation once the refund is initiated.
  We hope this resolution reflects our continued commitment
  to treating our customers fairly and professionally. If you would like to
  discuss this matter further, please don’t hesitate to contact us. We appreciate
  the opportunity to serve you and thank you again for bringing this matter to
  our attention.
  
  Sincerely,
  Cascade Springs Credit
  **************
  ********************************
  

• Initial Complaint

  Date:05/23/2025

  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.

  A loan was taken out from Three Sticks Lending in the amount of $1200. At that time the interest rate was not clearly disclosed. The interest charged on this loan is above legal limits. I am seeking settlement for the principle loan balance due only as I will not be paying the interest that was not clearly disclosed prior to funds being disbursed.

  Business Response

  Date: 05/29/2025

  May 29, 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.
  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. Therefore, we will reach out to this customer to resolve this matter. 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: 06/07/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: I made multiple attempts to contact the company to make the payment for the offered settlement and the representatives were unable to assist. Please advise on how to proceed to settle the balance for the principle amount only. 
  
  
  
  Sincerely,
  
  
  
  ********* ******

  Business Response

  Date: 06/17/2025

  June 16, 2025
  Via Online Complaint Portal Better Business Bureau
  Re: BBB Complaint #******** ********* ****** ************ Rebuttal
  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.
  Our response to Customer’s original complaint was forwarded o 5/29/2025. On June 9 Customer claimed that they made multiple attempts to contact the company to make the payment for the offered settlement and the representatives were unable to assist.
  Upon review of their file, we note that no inbound calls were received in that time frame. However, the following outbound calls were made on 5/30, 6/2, 6/5, 6/6, and 6/7. On June 12 Customer was able to log into their account and set up a repayment plan.
  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:05/20/2025

  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 was trying to get a loan from my quick wallet they said I was approved and then the next few seconds said my application is denied after submitting my personal information I am irate with my quick wallet

  Business Response

  Date: 05/27/2025

  May 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 again sincerely apologize that your application was not able to be approved and for the resulting concern. 
  
  Sincerely,
  Compliance Department
  My Quick Wallet

• Initial Complaint

  Date:05/19/2025

  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 request a loan, my information was provided to them including social security number, bank information. They told me I was approved the request my debit card information and charge me .01$ to verify card, when I access the my quick wallet account the request was denied and no information about the loan saying there is no request at the moment. That’s when I notice it was a scam. This people need to be stopped of making fraud. I want them to remove all my information from the system.

  Business Response

  Date: 05/20/2025

  May 20, 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 can
  confirm that a pre-authorization of $0.01 was processed on your debit card to
  validate it as a payment method. This was not a debit transaction, and it was
  returned to your account.
  
  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
  

• Initial Complaint

  Date:05/18/2025

  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.

  04/2025
  I borrowed money from this company (about 1800) but I am paying 300 every 2 weeks from 04/2025 until 08/2026 (the interest is crazy- I will be paying back over $12,000 in just interest)
  I am filing this review to warn others about the unethical lending practices of this company. I borrowed $1,800 and, to my shock, discovered I would end up repaying nearly $12,000 due to exorbitantly high interest rates and fees. This is not a fair or reasonable loan agreement — it is predatory.
  
  While the terms may be buried in the fine print, the company takes advantage of individuals who are in financial hardship, knowing full well that most people do not fully grasp how much they will end up owing until it’s too late. They offer no real support or flexibility once you’re locked in, and the repayment structure makes it nearly impossible to get out of debt.
  
  I strongly urge the BBB to look into this company's lending model. Their business practices may follow legal guidelines, but they clearly violate the spirit of ethical and responsible lending. I also encourage potential borrowers to read every detail and consider alternatives before engaging with this lender. It has been a devastating financial experience, and I wouldn’t wish it on anyone.

  Business Response

  Date: 05/27/2025

  May 27, 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. There is no record that the customer ever communicated their dissatisfaction with the loan to a Customer Care Representative. We would’ve appreciated the opportunity to better assist this customer, had we known.
  In response to the customer’s claim that the repayment terms of the loan is not easily understandable, a Truth in Lending Act disclosure is provided in the loan agreement that explains the repayment amount of the loan. In addition, an email was sent to the customer listing out their payment schedule.
  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. Therefore, we will reach out to this customer to resolve this matter. We trust that you will find this letter of explanation satisfactory. As such, we consider this matter resolved.
  Respectfully,
  ***** ********
  Compliance Manager
  Three Sticks Lending Docusign Envelope ID 

• Initial Complaint

  Date:05/16/2025

  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.

  12/08/23 I got a loan of the amount 0f $400 after 3 payments that loan was satisfied but on 01/26/24 to 05/03/24 $763 was withdrawn for my account without my knowledge. Of different amounts under 2 different business names. Then I made an another loan of $350 on 5/13/24 but by 06/28/24- 051/16/24 totaling $3,804 overdrawn. I was unaware of these charges and thought the payments had stop. No contract was presented to me after numerous attempts for one.

  Business Response

  Date: 05/27/2025

  May 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 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 a $400.00 loan on December 08,
  2023. 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.  
  A further
  $350 loan was applied for and approved on May 13, 2024, with the above stated
  again holding true.
  
  In
  accordance with our policies, multiple repayment options are made available. My
  Quick Wallet lets customers actively manage their own payments and principal
  paydown at their convenience via the website or contact center.
  
  We
  understand that you may be experiencing an unexpected period of financial
  hardship. While our review indicates that all loan activity was conducted in
  accordance with established procedures, and no irregularities were found, we
  have, as a courtesy and in the interest of customer service, accepted the
  payments made to date as full resolution of your outstanding principal balance
  of $380. No further payments will be required.
  
  Whenever My
  Quick Wallet receives feedback from a valued customer, we take careful steps to
  review the account and ensure all actions are taken in line with our policies.
  Based on our findings, we are satisfied that your file was handled
  appropriately.
  
  If you have
  any questions, please do not hesitate to contact My Quick Wallet again.
  
  
  Sincerely,
  Compliance
  Department
  My Quick
  Wallet
  

• Initial Complaint

  Date:05/14/2025

  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.

  On May 3,2025 I applied for a loan with three sticks lending they said that they were had a high interest rate and they suggested paying off the loan early I didn't see what the interest rate actually was until after the loan had been approved. Their interest rate is 461.89%. with weekly payments of $131. Paying that much weekly there is no way I can pay that off early. I have contacted them and got no response back yet except that this is what I agreed to. I'm considering that I'm going to have to file bankruptcy over this because I simply cannot afford to do this. I've ended some reading and found out that other people have ended up in the same situation unaware and left for broke seems like an interest rate is high should be illegal

  Business Response

  Date: 05/29/2025

  May 29, 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.
  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. Therefore, we will
  reach out to this customer to resolve this matter. 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:05/05/2025

  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 $1,200.00 loan with Three Sticks Lending ("Three Sticks") back in June 2024 and have paid over $1,500.00 to date (a 20% return). Three Sticks believes that I still owe $1,955.52 on this loan and forwarded my account to a third-party collection agency - Customer Care Global - despite numerous attempts to resolve in good faith due to the fact that I am experiencing financial hardship. Now that I have done my research, I see that a) Three Sticks Lending is not licensed in the State of California and b) are charging a 585.36% APR on the loan - both of which are illegal. Three Sticks needs to cease and desist attempting to collect this debt and mark the account paid in full. I already filed a similar BBB Complaint against Customer Care Global considering they are attempting to collect a debt that violates my consumer rights. This is predatory lending and I have already made Three Sticks whole on the original loan amount less than 1 year later. Again, I want Three Sticks to 1) cease and desist further collection efforts on this account and 2) mark the account Paid in Full.

  Business Response

  Date: 05/15/2025

  *** *** ****
  *** ****** ********* ****** ****** ******** ******
  *** *** ********* ********* ***** ****** ************
  ** **** ** *** ********
  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.
  *************
  ***** ********
  ********** *******
  ***** ****** *******

  Customer Answer

  Date: 05/27/2025

  Please be advised that your system timed out and I was unable to fully review and respond to Three Stick's initial and secondary (external) response to my BBB Complaint. They made several misrepresentations in their 05/09/25 initial response and I do not agree with their 05/15/25 secondary response forwarded to me directly.  This complaint is not resolved and I am not satisfied with their proposed resolution.  They are requesting an additional $500.00 from me that would take my total payments for this loan to $1,488.23 which is above CA's capped APR limit of 36%; $1,488.223 is over 41.5%!  If I were to agree to anything in order to settle this complaint, I would offer $400.00 to be paid in two (2) equal installments of $200.00 on 06/15/25 and 07/15/25. $400.00 represents a 25% APR from 06/2024 through 07/2025 and seems fair.  I will initiate a 2nd BBB Complaint if this one can't be worked out here. Thank you.