Complaints

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

close

Find a Location

Rosebud Lending has 5 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  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:05/02/2025

  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.

  My Quick Wallet is a scam. I was told about a fee and that I had 90 days to pay it off. Now after the first payment that I'm paying $250 biweekly for a $800 loan and only $10 goes toward the principal. This was not told to me I verified all calls or recorded I agreed to paying $30 per 100 borrowed as my repayments schedule totaling $240 biweekly then at the final process was told my bi-weekly payments would be $210. I was never informed that the principal was only $10 and that everything else was going towards interests I would have never done business with them had I known. I think that I should only have to pay the interest that I was explained to me doing the conversation. My first payment deducted was $40 more than if was supposed to be with no explanation. I am filing a complaint with the consumer protection agency as well as stopping payments from my account. This practice is not only an ethical it's illegal with everything being recorded this company should be shut down

  Business Response

  Date: 05/07/2025

  May
  7, 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 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 complaints very seriously and appreciates the opportunity to
  respond.
  Our records indicate that
  you were approved for a $800 loan on April 16, 2025. 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 outlined in the
  loan agreement, which you signed. As stated in the loan agreement, we offer our
  customers the right to rescind the loan. During this stated 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 are providing you with an
  additional copy of the loan agreement along with this response.
  During the application
  process, one of our customer service representatives also verbally explained to
  you the repayment structure, providing full details of the first three
  scheduled payments, and their corresponding fees and principal paydown amounts.
  My Quick Wallet is happy
  to resolve this complaint by reducing your scheduled payments to $210.00 and
  applying these directly to your outstanding principal balance of $790 with no
  further interest, fees or charges applied, starting with your next scheduled
  payment on May 16, 2025. Once further payments totaling $790 have been received
  your loan will be considered paid in full.
  We again sincerely
  apologize that you are not satisfied with your loan from My Quick Wallet.
  
  Sincerely,
  
  Compliance Department
  My
  Quick Wallet
  

• Initial Complaint

  Date:04/29/2025

  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 approved for $1000 online then in a follow up phone call. I then signed a contract for that amount. Then a few hours later received a text message stating they were only sending $300. I never signed for the lower amount. When I called they admitted to approving the $1000 and I never agreed to the lower amount multiple times.

  Business Response

  Date: 05/08/2025

  May 8, 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 were approved for a $300 loan on April 29, 2025. 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.
  
  As stated in
  our loan agreements, we offer our customers the right of 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:04/29/2025

  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.

  Called business about a personal loan on April 28,2025. Was told I was approved for up to $1000 which would have helped tremendously with bills and emergency events that have happened. Gave information and went through verification details regarding my account to get everything set up and was told that everything was approved and the funds should appear within the day or next business day. When I checked my account at the end of the day April 28, no funds were there. Checked again today, April 29th, 2025 and still no funds. Have made multiple attempts to contact the business with no avail. What I am looking for is the funds requested that I was approved for with a low pay back amount as these funds were to help with these bills. Otherwise I want my information erased from their system and I would like the business investigated for fraud

  Business Response

  Date: 05/05/2025

  May 05, 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 the application process with My Quick Wallet. 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 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:04/22/2025

  Type:Customer Service 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 continue to receive direct mailed offers to an address that I no longer reside at. I have contacted Riverstone Lending several times over the last 90 days by calling 1-800-773-6127 as well as emailing ************************************* asking them to cease direct mailing me their monthly loan offers, yet I continue to receive such offers. Note - dba Riverstone Lending is a wholly owned subsidiary agent and arm of Arrow Financial Services, a subsidiary of Rosebud Economic Development Corp, the wholly owned economic are of the Rosebud Sioux Tribe of the Rosebud Indian Reservation.

  Business Response

  Date: 04/29/2025

  
  
  **** *** ****, Mission, SD 57555
  
  April 29, 2025
  Better Business Bureau
  RE: 4/22/25 Correspondence
  Customer: **** ****** 
  To Whom It May Concern:
  This
  letter is in response to your recent correspondence with 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 have no record of receiving any form of
  correspondence concerning this matter. Riverstone has resolved this complaint
  by removing *** ****** from all direct mail marketing from Riverstone Lending,
  as requested.
  
  Respectfully,
  ***** ********
  Compliance Manager 

  Customer Answer

  Date: 04/30/2025

  
  
  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:04/21/2025

  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.

  From: Trinity Griggs **********************

  Sent: Thursday, April 17, 2025 10:15 PM

  To: info *******************

  Subject:

   

  Hello,

   

  I just filed a claim against Three sticks lending claim ********* and got a email that there was a new message so I clicked on it and it says the complaint has been filed with Uprova. This complaint was not for Uprova it was for Three Sticks Lending as stated in my initial complaint.

   

  Thank you,

  ******* ******

  Customer Answer

  Date: 04/21/2025

  I pulled out a loan with three sticks lending a couple months back during unfortunate times. I have been on time with all payments of $160.68 every 2 weeks. I have now paid $1,124.76 (double what I borrowed) back to them and they're wanting in total $3,213.94 from a $600.00 loan ! That's 642.51% interest rate. This has to be illegal! I just want to be done with them. Not sure what to do.

  Business Response

  Date: 04/29/2025

  4/22/2025
  Via Email: ******************
  Re: BBB Complaint #******** ******* ****** ************
  To ******* *******
  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 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 review.
  Three Sticks Lending is wholly owned by the Tribe, and functions as an economic arm of the Tribe. Through Three Sticks Lending the Tribe raises governmental revenues to provide services to Tribal citizens, just as other sovereign governments do with revenues they generate through taxation or other means. Tribal jurisdiction is clearly indicated on our website, and in all our documents, including but not limited to, our contracts. Three Sticks Lending is a sovereign-owned enterprise which the Tribe closely regulates, and from which the Tribe requires consumer-protective best practices. Three Sticks Lending’s loans are legal under applicable Tribal law, which requires compliance with the principles of federal consumer protection laws.
  Three Sticks Lending’s interest and fees applicable to your loan are permitted by Tribal law. The terms and conditions of the loan were clearly and accurately reflected in the loan agreement that was voluntarily signed before receiving the loan. In addition, a Customer Care Representative explained the terms and conditions of the loan, to which you verbally accepted prior to signing the loan agreement. You also received a TILA disclosure that outlined the amount and date of each payment required under the loan agreement. Customers are welcome to pay off their loan at any time and save money. There are no prepayment penalties for Three Sticks Lending’s loans, and we do encourage our customers to pay off early to avoid additional interest charges.
  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, as a one-time courtesy, for no reason other than to demonstrate excellent customer service, we closed the account for the amount paid and waived the outstanding balance. We trust that you will find this letter of explanation satisfactory. As such, we consider this matter resolved.
  Respectfully,
  ***** ******** Compliance Manager

• Initial Complaint

  Date:04/19/2025

  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.

  They told me that I was approved for $1000 so they took all my information for the loan. I went back into my account and notice that the amount approved is no longer there. It shows that I have a $0 loan.

  Business Response

  Date: 04/24/2025

  April 24, 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 the application process with My
  Quick Wallet. We sincerely apologize that you were not approved for a loan
  after you completed the loan application. 
  
  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 assure you that My
  Quick Wallet abides by all Federal laws and best practices in the use of
  customer applications and any subsequent required retention and 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:04/15/2025

  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.

  The way they handle business is very suspicious, they will try to reassure you they’re legit business. Thirty minutes waiting to be transferred after filling out their online application and verify. No actual documentation or emails. They say they will send it but it’s over a hour and no paper trails. Don’t waste your time. Unfortunately for me I fell for it.

  Business Response

  Date: 04/21/2025

  April 21, 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 the application process with My
  Quick Wallet.
  
  Our servicing center was unusually
  busy at the time and we apologize for the unfortunate amount of time it took attempting
  to complete your application.
  
  We would like to confirm that
  your application is still open and active if you are interested in completing
  it.
  
  We can also confirm that we
  are continuing to work towards the goal of processing all applications in a satisfactorily
  timely manner.
  
  Sincerely,
  
  Compliance Department
  
  My Quick Wallet
  

  Customer Answer

  Date: 04/21/2025

  
  
  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:04/12/2025

  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 a scam. They took my personal information and banking account information over the phone. Let me speak to two different people who both said I was approved for a loan and that it would be deposited after 6pm. It wasn’t then they sent me an email saying I was denied. They took my personal information under false pretenses. They need to be stopped and not allowed to scam people.

  Business Response

  Date: 04/21/2025

  April 21, 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 the application process with My
  Quick Wallet. We sincerely apologize that you were not approved for a loan
  after you completed the loan application. 
  
  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 assure you that My
  Quick Wallet abides by all Federal laws and best practices in the use of
  customer applications and any subsequent required retention and 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:04/11/2025

  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.

  Today I applied for a loan through MyQuickWallet ..they asked for banking info which I gave them and asked me to log into my bank account for verification. Once I did this they said I was approved and I would receive funds later this after or in the morning. No funds have been added to my account so I called them back to be put on hold for 10 minutes to find out I was denied for my loan. Now they have all my information makes me sick knowing they have my account and routing number I'll be contacting my lawyer about this if nothing is fixed with this scam of a company

  Business Response

  Date: 04/21/2025

  April 21, 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 the application process with My
  Quick Wallet. We sincerely apologize that you were not approved for a loan
  after you completed the loan application. 
  
  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 assure you that My
  Quick Wallet abides by all Federal laws and best practices in the use of
  customer applications and any subsequent required retention and destruction thereof.
  
  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:04/02/2025

  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 a loan from My Quick Wallet, I have made multiple payments repaying my loan, the balance has not budged at all. I was being charged $297 bi weekly payments jumped up to $400. With the previous payment this loan should have been more than almost paid off if not already paid off. Now they tacked on more for payments. I’ve called and talked to 1 lady which said I’d have to speak with a supervisor then apparently they forgot I was on the phone and never picked up the call. I had to call back and spent about an hour just on HOLD!! meanwhile hearing their “awful jokes” and their “2 minute wait” being announced while waiting. I waited way longer and no one answers!! This is very concerning as my bank information is what they have. This loan should be done already!!

  Business Response

  Date: 04/07/2025

  April 4, 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 $850 loan on January 13, 2025. Further loan amounts
  of $160 and $310 were approved on January 31 and March 17, 2025. This last loan
  amount of $310 is what resulted in the increase to your scheduled payments that
  you describe.
  
  For each of the loans 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. We are providing you
  with an additional copy of the loan agreements along with this response.
   
  We are happy to resolve your
  concerns by applying all further scheduled payments received directly to your
  outstanding principal balance with no further interest, fees or charges
  applied. The $400 payment in question dated April 4 has now been applied
  directly to your principal balance. Further scheduled payments have been
  reduced to $297 and these will also be applied directly to the remaining
  principal balance of $900. Once further payments totaling $900 have been
  received your loan will be considered paid in full.
  
  Sincerely,
  
  Compliance Department
  My Quick Wallet
  
  

  Customer Answer

  Date: 04/07/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: total amount of loan is $1320.00 and to date I have paid $1818 and now another $900 is being requested. That totals $2718.00 that is almost $1400.00 MORE than what was loaned. Since I've paid $1818 already there is no reason to have to pay extra that is just way to much. 
  
  
  
  Sincerely,
  
  
  
  ********* ********