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:12/30/2024

  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 have asked to STOP payment a total of FIVE times to this business. I have had some fraudulent activity in my bank account and I am trying to get it it straightened out and resolved. I started emailing them on 12/15/24 a total of 3 times unanswered, also called and did their online chat. I have asked My Quick Wallet to please STOP ach/debit card payments from this particular account. On 12/16 I spoke with a supervisor that advised me that ACH payments were removed from my account. I logged into my online my quick wallet account today to see yet another payment from them coming out on 12/31/2024. I didn't authorize this payment. I then called again today 12/30/24 and spoke with a supervisor ***** *** and reached out to this department that I cannot speak to, and again, asked them to revoke my payment information. On their website it states "Per the payment authorization for I signed it states I need this revoked to contact them directly via email, faxing and or writing" which I have done so OVER and OVER. I have every intention on paying this debt and have voiced this to them. I just need payment stopped from coming out of this particular bank account at this time.

  Business Response

  Date: 01/03/2025

  January 2, 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 customer service you
  experienced 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.
  
  My Quick Wallet is happy to
  resolve your concerns by confirming that your requested revocation of payment
  authority has since been implemented.
  
  Your outstanding balance will be
  subsequently forwarded to our payment services department in an attempt to
  organize an alternative method of payment.    
  
  We again apologize for any
  concern caused.
  
  Sincerely,
  
  Compliance Department
  My Quick Wallet
  

• Initial Complaint

  Date:12/13/2024

  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 told this company they no longer had my permission to withdraw funds from my account at ****** ****** ***** through ACH withdrawals and by my debit card. I have several phone conversations recorded where I clearly state this and yet this company has taken money out of my account anyway. I have 5 different recordings I can email and share also telling them I revoked my authorization.

  Business Response

  Date: 12/30/2024

  December 26,
  2024
  
  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.
  
  My Quick Wallet is happy to
  resolve your concerns by confirming that your requested revocation of payment
  authority has since been implemented.
  We can also confirm that your
  second scheduled loan payment that was inadvertently processed on December 12, 2024,
  has since been refunded back to your bank account.     
  
  Your outstanding balance has subsequently
  been forwarded to our payment services department in an attempt to organize an
  alternative method of payment.    
  
  Sincerely,
  
  Compliance Department
  My Quick Wallet
  

• Initial Complaint

  Date:12/13/2024

  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.

  Rosebud Lending aka ***** *** ******* is a predatory lender that is charging me over $4,000 for a $1,000 loan. Unbeknownst to me at the time, that is illegal in the state on NJ where I am from.

  Business Response

  Date: 01/07/2025

  
  December 17, 2024
  Re: BBB
  Complaint ID ******** ***** ******
  
   To Whom It May Concern:
  I am writing on behalf of ***** *** *******, a
  wholly owned economic development arm of the Rosebud Sioux Tribe, a federally
  recognized sovereign American Indian tribe (the “Tribe”) in South Dakota, in
  response to the above referenced complaint. While ***** *** ******* is not
  subject to regulation by the Better Business Bureau (“BBB”), the Tribe takes
  the concerns of its customers seriously.
  
  ***** *** ******* is wholly owned by the
  Tribe, and functions as an economic arm of the Tribe. Through ***** *** *******
  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.
  ***** *** ******* is a sovereign-owned enterprise which the Tribe closely
  regulates, and from which the Tribe requires consumer-protective best
  practices. ***** *** ******* loans are legal under applicable Tribal law, which
  requires compliance with the principles of federal consumer protection laws.
  
  ***** *** ******* interest and fees applicable to the customer loan are permitted by
  Tribal law. The terms and conditions of the loan are clearly and accurately
  reflected in the loan agreement that the customer voluntarily signed before
  receiving the loan. The customer electronically signed for the loan and, when
  doing so, acknowledged she agreed to the terms, had read the entire loan
  agreement, and had the ability to download or print a copy of the signed
  agreement.  She also received a TILA
  disclosure that outlined the amount and date of each payment required under the
  loan agreement. There are no prepayment penalties for ***** *** ******* loans,
  and we do encourage our customers to pay off early to avoid additional interest
  charges.
  
  Upon
  review of the customer file, we further note that the customer took out a loan
  for $1,000.00. As of the date of this letter, customer has paid back a total of
  $369.06 in principal and interest.
  
  ***** *** ******* 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 directly to
  the customer to attempt to resolve the issue. We trust that you will find this
  letter of explanation satisfactory. As such, we will consider this matter to be
  resolved.
  
  Respectfully,
  
  
  ***** ********
  Compliance and Operations Manager

  Customer Answer

  Date: 01/07/2025

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

  This is predatory lending. It is illegal in the state of NJ. It’s wrong. 
  
  
  
  Sincerely,
  
  
  
  ***** ******

• Initial Complaint

  Date:12/12/2024

  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 m my quick wallet is a fraudulent company that scams.Innocent people out of their information and use it for their own gain. I recently applied for a loan and put in all of my information. Call the number to verify the information.Spoke 2 different people just for them to tell me, I was approved for the loan call back in. 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 disappointed. When I don't receive any type of funds in the account. I do not want my account compromise that due to fraudulent activity.I will take legal action if necessary. Something has to be done about this.This is not a good look. I want all my information clean from your website or else I will take legal action. Like I stated before I have my attorney's number on file and they are aware of the situation. Every time you call back in, it's like they set you up with a block voicemail. Once they collect your information, and if you're trying to call in to talk to anybody, you can get the voicemail, you can't talk to anybody customer service.No one in charge you're stuck.

  Business Response

  Date: 12/18/2024

  December 13, 2024
  
  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 and any subsequent required retention or destruction of customer applications and 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:12/06/2024

  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 have been making $400 payments since May 2024 for a $1200 loan and only $10 of the $400 is going towards the principal. This is a scam. I will never have this paid off. I feel stuck and taken advantage of. I think that this company should be shut down. I feel as if it should be illegal to this to a person in their time of need.
  
  I would like for this account to be settled in full and closed. I believe that it is fair to say that you have received enough interest from me.

  Business Response

  Date: 12/16/2024

  December 16,
  2024
  
  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 were initially approved for a $1,000 loan on May 23, 2024. Since
  then you have applied for and been approved for further funds on 7 separate occasions
  for a further amount totaling $1,825.50. 
   
  On each
  occasion 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, in which you signed.
  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 a copy of the initial loan
  agreement dated May 23, 2024, along with this response.
  My Quick Wallet is happy to
  resolve this complaint by applying all further scheduled payments received
  directly to your outstanding principal balance of $1,340 with no further
  interest, fees or charges applied.
  Starting with your next scheduled payment December 12, 2024, once further payment
  of $1,340 has 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

  
  

  Customer Answer

  Date: 12/16/2024

   
  
  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:12/04/2024

  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.

  It's unusual to have such a strong complaint against a business I haven't even formally done business with, but aside from expressing my initial interest by signing up, my application hasn't even actually been completed and submitted, so why are they now calling my place of work? I work in a professional setting that I would prefer to keep separate from my personal matters. This put me off so much that I would prefer to close my account entirely than proceed, and there is no option to delete or rescind my preliminary application. It's extremely unsettling and underhanded, and I do not trust my information with a place like this who conducts themselves this way. I'd understand at least a little if it were a collection call or something, but it's unreasonable and frankly unprofessional to call my work for basically marketing purposes, when I'm not even an actual customer yet.
  
  Their privacy policy page indicated I could request to be removed from their database and opt-out of communication if I request it in writing via email, but I did this twice and did not receive a response. I regret involving myself with them in my slight desperation, and I'm hoping to get my accounted deleted and be rid of them.

  Business Response

  Date: 12/16/2024

  December 16,
  2024
  
  
  Dear *******
  This letter
  is in response to your concerns that were sent to My Quick Wallet from the Better
  Business Bureau (BBB). We regret that you are dissatisfied with your loan application
  experience from My Quick Wallet. Customer satisfaction is our top priority and
  we want each customer to know how much we value them. The Company takes these
  types of inquiries very seriously and appreciates the opportunity to
  respond. 
  Our records
  indicate that we received a partially complete loan application from you on December
  3, 2024. In attempting to complete the application, contact with you was
  attempted on the phone numbers which were provided on the loan application. This
  included an employment phone number. We regret the concern and distress this caused
  you.      
  My Quick
  Wallet is happy to resolve this complaint by confirming that your application
  has since been closed and no further communication or contact with you will be made.
  Sincerely,
  
  Compliance Department

• Initial Complaint

  Date:11/15/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I took out a loan with ***** ****** *******. This predatory loan company. After logging in to my account, I found that the interest rate is 647.93 %, which is not legal. I have been paying on this loan for several months and found that I still owe more than the original principal amount that I was loaned. This is extreme predatory lending. I would like my account to be considered paid in full and closed

  Customer Answer

  Date: 11/15/2024

  I used one of the existing complaints as an example but I too was effected by an extremely high interest rate

  Business Response

  Date: 12/10/2024

  November 27, 2024
  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
  

• Initial Complaint

  Date:11/06/2024

  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 borrowed money from a payday lender (Three Sticks)- was not told there would be a 799% interest rate. I was told repeatedly every time I called that every extra dime I paid would knock off weekly payments - so I paid extra a couple of times only to find out that it did NOT do any such thing. My 'Payoff; amount went up almost 100 dollars over night AFTER a 160,33 payment was made. I paid my loan off (my 1200 loan) and will NEVER borrow from these people again. Every response says they are operate legally under tribal law but according to the National Consumers site the supreme court corrected that in 2017 and their rates by law should be capped like everyone else's. I want part of my money back.

  Business Response

  Date: 11/21/2024

  November 19, 2024
  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
  

• Initial Complaint

  Date:11/05/2024

  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 and never received my funds. A representative also insulted me. Using profanity and calling me DUMB! I am strongly considering taking legal action against this company. It's a pathetic excuse for a company, and I advise against it!

  Business Response

  Date: 11/22/2024

  November 21,
  2024
  
  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.
  
  We sincerely
  apologize for the unacceptable customer service experience that you received
  during your loan application. Having concluded our investigation we can confirm
  it fell short of the high standard we set for ourselves.
  We are happy
  though to confirm that your application was approved and the funds have been deposited
  to your bank account.
  We again
  sincerely apologize for the customer experience that you received. 
  
  Sincerely,
  
  Compliance Department
  
  

• Initial Complaint

  Date:11/05/2024

  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 saying I was approved for up to $1000. I called and went through the bank verification information, gave my personal information, and my financial information and told I was approved. Now when I call the number I get an automated message saying I have been declined. This is unnerving from a business. Sad thing is I KNEW BETTER. This seems to be a common theme with this company, if they are a true legit company, and is misleading and should be illegal to do business the way they are doing it. I will be contacting my attorney and seeing if I have any recourse I can obtain - More importantly - that my financial information does not get scammed, misused, sold, stolen, etc. I am done playing with these sort of shady companies and our country needs to shut them down.

  Business Response

  Date: 11/15/2024

  November 15,
  2024
  
  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 information and any subsequent retention or destruction of customer
  applications.
  We can also confirm that at no time does My Quick Wallet sell customer
  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
  

  Customer Answer

  Date: 11/15/2024

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

  Their response is very incorrect. When SPEAKING with the rep on the phone. Her exact words to me were "congratulations. You have been approved. We will now send this to our underwriting team to finalize the loan"

  Nothing was said to me that the application ACTUALLY not had processed or approved or pre-approved!

  This is completely false and fraudulent practices. I am happy to hire an attorney to investigate the organization and their business practices. There ARE multiple complaints saying the exact same thing online in reviews and forums. 

   Don't feed me your grammatically incorrect worded canned response. Not satisfactory.

  Happy to file a lawsuit and take you for all you are worth!
  
  
  
  Sincerely,
  
  
  
  ***** *******

  Business Response

  Date: 12/09/2024

  December 9, 2024
  
  Dear ********
  This letter is in response to
  your further concerns that were sent to My Quick Wallet from the Better
  Business Bureau (BBB). We again sincerely apologize that your application was
  not able to be approved and for the resulting concern.
  
  After having reviewed your
  application we can confirm that at no time did a customer service
  representative state that your application had been approved. We apologize if
  you believed that your application had been approved.
  
  We can also again 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.
  
  My Quick Wallet now considers this matter settled. 
  
  Sincerely,
  
  Compliance Department
  My Quick Wallet