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:04/01/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I took out a loan for $700 from Ca***** ******* *redit. It was deposited on 2/4/2025 Since then I have made a payment for 99.56 every week. Last payment was made 3/28/2025. This totals 497.80. I emailed C****** ****ngs Credit on 3/31/25 to try and work a solution to settle this loan because of current issues affecting finances. I explained I was no longer able to continue the payment, but that I was wanting to do the correct thing and settle the loan. They emailed back that the balance of the loan was $910.99. This is more than the original balance and after 497.80 has been paid towards this. I’d like to work towards resolution to settle this loan.

  Business Response

  Date: 04/03/2025

  
  Dear Mr* ***** *********,
  
  We hope this message finds you well. We are writing in
  response to your recent communications regarding your loan account. We truly
  value your business and are committed to resolving your concerns promptly and
  fairly.
  Our records indicate that your loan was approved on
  February 3, 2025, for $700. Under the original terms, your repayment plan
  required 30 installments. To date, the following payments have been processed:
  February 21, 2025 – Payment cleared
  February 28, 2025 – Payment failed due to insufficient
  funds
  March 7, 2025 – Payment cleared
  March 14, 2025 – Payment cleared
  March 21, 2025 – Payment cleared
  March 28, 2025 – Payment cleared
  Based on our records, we have received a total of five
  cleared payments, amounting to $497.80.
  On March 31, 2025, you contacted us via web chat to
  request the payoff amount for that day. We provided a response stating that the
  balance due for a full payoff was $898.33. Please note that this balance was
  subject to change due to daily interest accrual, as outlined in the loan
  agreement signed before your loan approval.
  On April 1, 2025, you reached out to inform us of
  financial hardship and requested to defer your next two payments to allow time
  to find a solution. We provided the balance due on that day, $910.99, and, as a
  courtesy, approved a one-time payment deferment. As a result, your next
  scheduled payment was moved to April 11, 2025, giving you additional time to
  assess your financial situation.
  As a goodwill gesture, we are offering a final settlement
  amount of $700.00, which represents the principal balance due today without any
  additional interest. This is a significant reduction from your original
  30-payment obligation. Once this settlement amount is received in full, your
  account will be considered fully settled, with no further obligations.
  We remain open to further discussion regarding this
  arrangement or an alternative payment plan that better suits your needs. While
  this offer does not fully align with the original loan
  
  terms, we believe it provides a fair and reasonable
  resolution based on your financial situation. Our goal is to work with you to
  reach a mutually agreeable solution.
  Please let us know if you have any questions or require
  further clarification. We appreciate your prompt attention to this matter and
  look forward to assisting you.
  
  **********
  ******* ******* ******
  **************
  ********************************
  

  Business Response

  Date: 04/11/2025

  
  **** *** ***** **********
  
  Thank you for your patience
  and for bringing your concerns to our attention.        
  We apologize for any
  confusion caused when you were told there was no settlement after reaching out
  about your loan balance. We're happy to let you know that the situation has
  been resolved.
  Our team spoke with you directly and confirmed a
  settlement amount of $700.00. We are currently waiting for the payment to clear
  before proceeding with closing your account.
  We appreciate your continued efforts to meet your
  financial obligations and are committed to working with you to finalize this
  matter as soon as the payment clears.
  Should you have any further questions or concerns, please
  don’t hesitate to contact us directly. We're here to assist you.
  
  S*********
  ******* ******* ******
  **************
  ******************************om
  

  Customer Answer

  Date: 04/11/2025

   
  
  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:03/05/2025

  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.

  Company is doing “loans” harvesting people’s private information.
  Using it for fraud
  Selling your social and banking information
  How is this company allowed to do business?

  Business Response

  Date: 03/13/2025

  March 13, 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 can assure you that My
  Quick Wallet abides by all Federal laws and best practices in the use of customer
  applications.
  
  We again sincerely apologize for
  the concern caused by the application process.
  
  Sincerely,
  
  Compliance Department
  My Quick Wallet
  

• Initial Complaint

  Date:02/15/2025

  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.

  Account *******  On November 18th, 2024 I took a loan out for $500.00. My payments to be made biweekly are $126.62. I emailed a couple of times asking for a payment extension in which they granted. On January 22nd 2025 I emailed them stating I could no longer afford my payments and said I could only afford $65.00 or asked for a settlement option to pay off the loan. They responded and said "Unfortunately, we do not change the amount agreed upon when signing the agreement." I have paid back $506.48 which is the amount they've loaned to me. I no longer wish to do business with this company and would like my next payment of $126.62 on February 21st, 2022 to be my final payment to them and my loan paid in full or I will revoke my payment arrangement and will tie this up in a debt settlement.

  Business Response

  Date: 02/25/2025

  **** *** ******* *********
  
  We hope this message finds you well. We are writing in
  response to your recent communications regarding your loan account. We truly
  value your business and are committed to resolving your concerns promptly and
  fairly.
  Our records indicate that your loan was approved on
  November 18, 2024, for $500. Under the original terms, your repayment plan
  required 15 installments. To date, the following payments have been processed:
  The first payment was processed on November 29, 2024.
  The second payment, originally scheduled for December 13, 2024, was extended at your request on December 09, 2024.
  The third payment was processed as scheduled on December 27, 2024.
  The payment due on January 10, 2025, was deferred following your extension request on January 08, 2025.
  On January 22, 2025, you informed us of further
  financial hardship, stating that you could only afford $65.00 rather than the
  agreed amount of $126.62. Although our customer service team explained that the
  payment amount could not be modified, we appreciate your efforts in making
  subsequent payments on January 24, 2025, and February 07, 2025.
  As a goodwill gesture, we propose a final settlement
  amount of $379.86. This represents a significant reduction in your remaining
  obligation—from the original 15 payments stipulated in your contract, to the
  equivalent of 7 payments. The $379.86 covers the final promised payment, as
  well as the two deferred payments resulting from previously granted extensions.
  Once the full settlement amount is received, your account will be considered
  fully settled with no further obligations.
  We remain open to further discussion regarding these
  arrangements or any alternative payment schedule you might prefer. We believe
  that this offer fairly addresses your financial situation by offering a reduced
  settlement amount, while still being mindful of your preference to make fewer
  payments. Although this adjustment does not fully meet the terms of the
  original agreement, our goal is to provide a fair and reasonable option that
  works for both parties. We are committed to working together to reach a mutually
  agreeable and equitable resolution.
  Thank you for your prompt attention to this matter.
  Should you have any questions or require further clarification, please do not
  hesitate to contact us directly
  
  
  **********
  ******* ******* ******
  **************
  **************************it.com
  

  Business Response

  Date: 03/04/2025

  
  Dear Ms. Kri**** ******rt,
  Thank you for your response. We appreciate the
  opportunity to clarify the details of your settlement offer and address your
  concerns.
  Per your email correspondence with our Customer Service
  team, we have confirmed that your February 21st payment of $126.62 has been
  applied and is included in the settlement amount. Based on this, the remaining
  balance is $253.24. You have opted to fulfill this balance in two installments:
  one payment of $126.62 on March 7th and the final payment of $126.62 on March
  21st. Once these payments are successfully processed, your account will be
  considered fully settled, and no further obligations will remain.
  We strive to ensure transparency and fairness in all
  account resolutions, and we appreciate your cooperation in working toward a
  final settlement. Should you have any additional questions or require further
  clarification, please do not hesitate to reach out.
  
  S*********
  ******* ******* ******
  **************
  ***********************redit.com
  

  Customer Answer

  Date: 03/05/2025

   
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 22******, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  K****** ********

• Initial Complaint

  Date:02/07/2025

  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 an absolute scam. They make it nearly impossible to pay the loan off.
  
  I received an email today that my February 7, 2025 application was pre approved and that the amount of $1,100 was processed. I never requested any additional amount other than what I’m currently attempting to pay off!!! I want a settlement and to be done with this horrible company.

  Business Response

  Date: 02/14/2025

  February 13,
  2025
  
  
  Dear ******
  This letter
  is in response to your concerns that were sent to My Quick Wallet from the Better
  Business Bureau (BBB). We regret that you are dissatisfied with your loan application
  experience from My Quick Wallet. Customer satisfaction is our top priority and
  we want each customer to know how much we value them. The Company takes these
  types of inquiries very seriously and appreciates the opportunity to
  respond. 
  Our records
  indicate that we received a partially complete loan application from you for
  further funds on February 7, 2025. In attempting to complete the application
  contact with you was made via a number of authorized methods. We regret the
  concern and distress this caused you.      
  My Quick
  Wallet is happy to resolve this complaint by confirming that the application
  has since been closed.
  Sincerely,
  Compliance Department
  My Quick Wallet
  
  

• Initial Complaint

  Date:01/31/2025

  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 applied for a loan with myquickwallet and I was approved but I did NOT continue the application nor the process of signing anything….i got a few messages and emails to proceed with the application but I NEVER did… a day later this company tired to get a loan with ********** using my information. I’ve forwarded all the documents and evidence to my lawyer and action will be taken

  Business Response

  Date: 02/07/2025

  February 5, 2025
  
  Dear ****,
  
  This letter is in response to
  your concerns that were sent to My Quick Wallet from the Better Business Bureau
  (BBB). 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 did
  receive an application on January 28, 2025, that was never completed.   
  
  We understand your concerns
  regarding the potentially fraudulent use of your personal information, however,
  we can confirm that this was not a result of your loan application with My
  Quick Wallet.     
  
  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 required
  thereof.
  
  Sincerely,
  
  Compliance Department
  My Quick Wallet
  

• Initial Complaint

  Date:01/30/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The Company my quick wallet is has a pattern of phishing for information for fraudulent purposes. I recently applied for a loan and put in all of my information. Call the number to verify the information.Spoke to a lady she walked me through and told me im approved and your funds will be in your account by tonight or next day. She also told me to call back if money wasn’t received. I received a email later that evening, I was just denied for the loan. This company has a pattern of doing this gathering information and signing ach documents in a effort to take money without providing a service. I will take legal action if necessary. Something has to be done about this, I want all my information clean from this website if not I will be taken legal action. Every time you call back , it’s no representative it’s an automated message and voicemail.

  Business Response

  Date: 02/07/2025

  February 5, 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 are happy to resolve this
  complaint by deactivating your account login.  
  
  We can also assure you that My
  Quick Wallet abides by all Federal laws and best practices in the use of and any
  subsequent required retention or destruction of customer applications.
  
  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:01/30/2025

  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.

  DO NOT APPLY FOR A LOAN THROUGH QUICK MONEY WALLET. ALL THE REVIEWS ON HERE ARE ACCURATE. THEY REPEATEDLY CALLED ME MULTIPLE TIMES. I FINALLY ANSWERED AND THEY TOLD ME I WAS PREAPPROVED FOR $1000. THEY SENT ME A LINK TO LOGIN WITH MY BANKING CREDENTIALS TO WHICH I DID. THEY THEN ASKED FOR ROUTING AND ACCOUNT NUMBER WHICH I PROVIDED. THEY PROCEEDED TO TELL ME I WILL RECEIVE THE FUNDS AFTER 6PM OR IN THE MORNING AND GET AN EMAIL WHEN THE FUNDS ARE IN MY ACCOUNT. I JUST CHECKED MY EMAIL AND IT SAID I WAS DENIED. THEY TAKE ALL OF YOUR INFORMATION AND ASSURE YOU YOU ARE APPROVED. I ASKED MULTIPLE TIMES WHEN I WOULD RECEIVE FUNDS. THIS IS FRAUDULENT AND NO BANK INFORMATION SHOULD BE TAKEN BEFORE YOU ARE 100% APPROVED. I FEEL VERY UNEASY KNOWING THIS COMPANY HAS MY BANKING INFORMATION AND IF I RECEIVE ANY FRAUDULENT ACTIVITY I WILL AUTOMATICALLY BE GOING TO THE POLICE KNOWING IT IS FROM THIS COMPANY. I HAVE ALREADY HIRED A LAWYER AND WE ARE WAITING ON A FRAUDULENT CHARGE ON MY BANK ACCOUNT LIKE OTHER REVIEWS HAVE STATED.

  Business Response

  Date: 02/07/2025

  February 5, 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 also 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 or 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:01/17/2025

  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 got a $650 loan from ******* ******* ****** on Sept 6, 2024. I paid $167.19 biweekly started Sept 17, 2024. I made and additional payment of $300 on Jan 4, 2025, which should have went straight to the principal. They only put $12.21 toward the principal. Cascade has me still owing $536.10 which increases daily. No way this balance should be that high. It’s a rip off. My balance should be less than $350 if not paid in full. I called a few times and was only to talk to an agent 2 times. Both times I was put on hold to talk to a loan specialist named Iris, who I never got to talk to because she was busy, They said she would call me back which she hasn’t yet.

  Business Response

  Date: 01/28/2025

  
  Dear *** ******* *****,
  
  We hope this message finds you well. We are writing in
  response to the concerns you recently raised regarding your loan. We truly
  value your feedback and are committed to addressing your concerns promptly and
  fairly.
  Thank you for reaching out and bringing your concerns
  to our attention. Please accept our sincerest apologies for the inconvenience
  caused by this situation.
  We have reviewed your account, and I want to assure you
  that the $300 payment made on January 4, 2025, has now been properly applied to
  your principal balance. Unfortunately, due to a technical error, this
  adjustment was delayed, and we deeply regret any confusion or frustration this
  may have caused.
  As of now, your account has been fully updated, and
  your current balance has been adjusted to reflect this correction.
  Additionally, we’d like to confirm that the payoff amount for your loan is now
  $168.25, which is due on your next scheduled payment date of February 4, 2026.
  We also made several attempts to contact you last week
  and earlier this week to discuss this matter but were unable to reach you.
  Please let us know a convenient time for you to discuss any further concerns.
  We are committed to resolving this matter to your
  satisfaction. If you have any questions or would like to discuss your account
  further, please don’t hesitate to contact us directly
  Thank you for your patience and understanding.
  Sincerely,
  ***** ********
  Compliance Manager
  Arrow Financial Services
  
  

• Initial Complaint

  Date:01/13/2025

  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.

  Spoke to two different people they took my personal and banking info said I was approved the funds would be deposited by 6:00 today or first thing in the morning tried to email me back and it was rejected called the number it wouldn't let me speak to anybody and said that my loan was now not approved after them taking all my info and saying it was and the money would be in there today total scam now they have all my info so I have to cancel my account

  Business Response

  Date: 01/28/2025

  January 28, 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 retention and destruction requirements of application information.
  
  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:01/02/2025

  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.

  The Company my quick wallet is a fraudulent. I recently applied for a loan and put in all of my information. Call the number to verify the information.Spoke to a lady she walked me through and told me if application is submitted before 3pm your funds will be in your account. With it been a holiday the following day it will be in my account today Thursday January 2nd. She told me I was approved for the loan and to call back if money wasn’t received. I called this morning to get some clarification just to find out, I was just denied for the loan. I don't appreciate my personal information being took and I’m highly upset. I will take legal action if necessary. Something has to be done about this, I want all my information clean from this website if not I will be taken legal action. Ive talked to my lawyer and they are aware of the situation. Every time you call back , it’s no representative it’s an automated message and voicemail.

  Business Response

  Date: 01/06/2025

  January 6, 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 again sincerely apologize that
  your application was not able to be approved and for the resulting concern.
  
  Sincerely,
  
  Compliance Department
  My Quick Wallet