Business Profile

Payday Loans

Wakpamni Lake Community Corporation

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Complaints

This profile includes complaints for Wakpamni Lake Community Corporation's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

104 total complaints in the last 3 years.
49 complaints closed in the last 12 months.

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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:08/16/2025
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.
Applied for a loan with my back wallet I was pre approved I called them as requested sign my loan documents was told that my funds would be deposited in 24 hours or next bussiness day hours go by and I then recieve an email that I was denied. I was not told at any point I was still pending approval
Business Response
Date: 08/22/2025
August 21, 2025

Dear *******

This letter is in response to
your concerns that were sent to My Back 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. 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 could not be approved and
for the resulting concern.

Sincerely,
Compliance Department
My Back Wallet
Initial Complaint
Date:08/04/2025
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 wanted to get ahead of this, before it becomes a problem. I recently applied to the loan Bison Green, which is another name they have. I want to withdraw my application, as it seems that I may not actually receive the money.

I do not want the payment day to come and they take money from my account.
Business Response
Date: 08/11/2025
To Whom It May Concern:

WLCC Lending BGL DBA Bison Green Lending (“Company”) has completed its review of ***** ************
complaint. The Company takes these types of inquiries very seriously and appreciates the
opportunity to respond. It is Tribal policy that all customer complaints be handled in a prompt and
fair manner and customer satisfaction is our top priority. Be advised, nothing in this
communication should be construed as a waiver of the Tribe’s or the Company’s sovereign immunity,
all of which are expressly preserved.

BISON GREEN
The Company is a subsidiary agency of the Wakpamni Lake Community Corporation, an arm and entity of
the Wakpamni Lake Community, which is a local tribal governmental subsidiary of the Oglala Sioux
Indian Tribe located on the Pine Ridge Reservation in South Dakota. The Company is fully regulated
by, and in compliance with, the consumer laws of the Oglala Sioux Tribe law. To that end, our
consumer documents clearly and thoroughly explain the terms of each loan. This company is
wholly-owned and controlled by the tribe and was established for the tribe's benefit and formed
pursuant to tribal law, thus sharing sovereign immunity and, therefore, are not subjec to state
laws and licensing. The Company willingly follows all applicable federal regulatory guidelines. In
addition WLCC plays an active role in ensuring all their programs are compliant with all Tribal
Laws and with the principles o federal consumer protection laws, as required by Tribal law.

APPLICATION BACKGROUND
Ms. ********** submitted a loan application to Bison Green Lending on August 4th 2025. This
application was withdrawn at Ms. **********'s request less than 24 hours after submission. We
confirmed the withdrawal with Ms. ********** via email reply to her original request. No response
was received.

RESPONSE TO COMPLAINT
As a best Company practice, we willingly follow all applicable federal regulatory guidelines and
federal consumer protection laws, as required by Tribal law. Since the inception of our business,
we have yet to have a justified regulatory complaint. The Company is fully regulated by, and in
compliance with, the consumer laws of the Oglala Sioux Tribe law. To that end, the interest and
fees applicable to the loan are permitted by Tribal law and are accurately and clearly reflected in
each loan agreement that is signed before receiving the loan.

Customer satisfaction is paramount to Bison Green Lending’s business and we make every effort to
accommodate each client’s requests. As noted above, we withdrew the application per Ms.
**********’s request on August 5th, 2025. We will not attempt to contact Ms. ********** in the
future. We hope this resolves Ms. **********'s concerns. However, if she or the BBB has any further
questions, please contact our Tribal Compliance Department at ###-###-#### and ask to speak to our
Compliance Manager.

Sincerely,
Compliance Department

Customer Answer
Date: 08/11/2025
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:07/24/2025
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 hereby revoke ACH on my account. I've also mailed you and faxed you. Please stop ASAP
Business Response
Date: 07/25/2025
Please provide me with the name of your lender. We have multiple lenders and need this information to get your request to the correct person.
Thank You!
Initial Complaint
Date:07/14/2025
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.
March 26, 2025 approved for a loan they kept messaging until I finally accepted for $200.00 I paid on time everytime and interest was $161.00 total $361.00. I applied on April 25 and was loaned $250.00 and interest $174.07 total $424.07. I went to ask for another loan to just see how much they would charge me and the interest rate. I immediately was denied the loan and than told they no longer do loans in my area that is after I called and called and called and then was able to speak to someone. No explanation on why just no longer in my area. I was unlawfully charged interest that is illegal in Georgia and once I spoke to them about a refund of some of my money back from the interest that is when. They no longer do loans. And I could not contact anyone else I never missed one payment and to just be taken advantage of and than not notified so that I wouldn’t continue getting loans knowing that I would pay a high interest pay and than. They disappear. I have all documentation if needed. Nothing states that my state I’m living in was not a legal state to do loans in. Not to mention the loans came from Iowa. Which could be of many of their locations. I was misled.
Business Response
Date: 07/17/2025
****** *******
Enable Loans is a wholly owned and
operated subsidiary agency of the Wakpamni Lake Community Corporation (WLCC),
an arm and entity organized and governed by the laws of the Oglala Sioux Tribe
of the Pine Ridge Reservation a sovereign nation located within the United
States of America and operating within the Tribe’s Reservation.
Thank you for bringing your concerns
to our attention. We sincerely apologize for any confusion or inconvenience you
may have experienced, and we appreciate the opportunity to respond.
We understand the frustration you
expressed regarding the status of your account, the interest charged on your
loans, and the sudden unavailability of our services in your area. We value all
our customers and take your concerns seriously.
After thoroughly reviewing your
complaint and the phone call you placed to our office on June 19, 2025, we
would like to provide the following clarification:
During your call, you inquired about your account being blocked. Our representative informed you that the loan was already paid in full and that, as of June 10, 2025, we no longer offer loans in the state of Georgia, which is why your account had been restricted.

You also asked whether loans were available in Iowa. Our agent explained that while a bank account with an Iowa address is required, we do not currently offer loans in Iowa either.

We reviewed the call carefully and found that the conversation remained courteous and informative. You appeared to be understanding when the agent explained that services were no longer available in Georgia.

That said, we recognize that the
situation may have caused you inconvenience—especially given your history of
making timely payments and your willingness to continue using our services. We
regret that you were not notified in advance of the service changes in your
state.
In the interest of resolving this
matter and as a gesture of goodwill, we are issuing you a refund of $200.00.
These funds will be returned to you via ACH direct deposit using the same form
of payment originally used. You can expect the refund to be deposited within
2–3 business days.
We appreciate your feedback, as it
helps us improve the customer experience. Should you have any further questions
or require additional support, please don’t hesitate to reach out ******************** or ###-###-####.
Customer Answer
Date: 07/21/2025
Complaint: ********

I am rejecting this response because: Clearly I’m just now reaching out and really would have liked to get 400$ in total back due to my calculation not $200.00 I still was not given a explanation on why Georgia is no longer a state you give loans to further more that assuming lets me know that I fairly deserve I would like the amount of what my interest rates were give or take $350.00 to $400.00. I never agreed to anything if we could work this out I can move on and honestly give a decent rating on the company and the matter at hand.

Sincerely,

****** ******
Business Response
Date: 07/28/2025
Enable Loans is a wholly owned and
operated subsidiary agency of the Wakpamni Lake Community Corporation (WLCC),
an arm and entity organized and governed by the laws of the Oglala Sioux Tribe
of the Pine Ridge Reservation a sovereign nation located within the United
States of America and operating within the Tribe’s Reservation.
Thank you for sharing your further concerns.
We value all our customers and take your
concerns seriously. We sincerely
apologize for any confusion or inconvenience you may have experienced.
We understand the frustration you
expressed regarding our business decision to no longer lend in Georgia. Our loans are made and governed under tribal
law, not Georgia law.
In the interest of resolving this
matter and as a gesture of goodwill, we are issuing you a refund for the total finance
charges of $335.20 that you paid for the loans made to you on March 25, 2025
and April 25, 2025 less the $200 that we already refunded. The remaining amount
of the Finance Charges to be refunded is $135.20 and will be returned to you
via ACH direct deposit using the same form of payment originally used. You can
expect the refund to be deposited within 2–3 business days.
We appreciate your feedback, as it
helps us improve customer experience. Should you have any further questions or
require additional support, please don’t hesitate to reach out ******************** or ###-###-####.
Initial Complaint
Date:07/06/2025
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 with ****** ***** ***** (can't state exact date because the portal won't even show me the account number.) I made 2 payments for $189.00 each. I then fell behind on payments, so I was offered a payment plan. I agreed as I did owe them money, and made 7 payments of $100.00 each. I was not told the two payments of $189.00 would not counted towards the amount owed. I called to discuss it and was told if I don't pay them another $373 dollars it would go back into collections. My loan was for $800.00 dollars. At this point I have repaid them $1,078 dollars (the payment agreement says I owed $1,073 dollars.) An issue occured with my checking account, so they agreed to debit the remaining $373.00 on 7-11-2025 (I have the email verification.) Upon logging into my account today (7- 6-2025) it shows they have sent my account to their collections department and have charged another $100.00 onto the balance owed. As I have repaid the principle amount plus interest -and them sending my account to collections and for a higher amount- I will be making no further payments to ****** ***** *****. I am also revoking ACH and Debit Card authorization. I consider the loan repaid in full.
Business Response
Date: 07/11/2025
We are in receipt of a complaint filed on or about 7/6/25 to our Company, ****** ***** *****
outlining ******** ******* concerns. The Company takes these types of inquiries very seriously and
appreciates the opportunity to respond. Nothing in this communication should be construed as a waiver
of the Tribe’s or the Company’s sovereign immunity, all of which are expressly preserved.
Our records show that ******** ******* was approved for a loan in 1/16/2025 for $800.00 at which time
she was provided with a copy of her Loan Agreement. ******** *******’s Loan Agreement provided her
Truth in Lending Disclosures, the Terms and Conditions of her loan along with a re-payment schedule.
To date, ******** ******* has paid a total of 9 payments totaling $918.74 toward her loan commitment.
In an effort to resolve ******** *******, ****** ***** ***** will consider her loan as paid in full. There
are no further payments due.
We hope this satisfies ******** *******’s concerns; we will consider this matter closed.
Sincerely,
Compliance Department
Customer Answer
Date: 07/12/2025

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:06/17/2025
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.
On April 22, 2025, I decided to consolidate my debt with Help Financial Group because I was in debt. I decided to consolidated FOXHILL CASH with Help Financial and instead of reading my ACH notice from Help Financial, FOXHILL CASH withdrew $322.50 from my checking account bypassing Help Financial and not contacting them. I know and understand that this was a short-term loan and I owe them this money but when I submitted the ACH Form from Help Financial, they DID NOT follow through. Foxhill Cash continues to withdraw money from my account for three consecutive pay periods. On 5/1 withdrew $107.50; on 5/15 withdrew $107.50 and on 5/29 withdrew $107.50 totaling $322.50. I'm demanding that $322.50 be credited back to my checking account.
Business Response
Date: 06/18/2025
WLCC Lending II DBA Fox Hills
Cash (Company) has completed its review of your complaint. The Company takes
these types of inquiries very seriously and appreciates the opportunity to respond
to you regarding your concern. Be advised, nothing in this communication should
be construed as a waiver of the Tribe’s or the Company’s sovereign immunity,
all of which are expressly preserved.
With respect to Laray Hay’s correspondence
about attempting to stop payments from being processed through the Company, the
Company did receive the request and unfortunately did not disable the payments.
We apologize for any inconvenience this may have caused. The Company has initiated a refund of
$322.50, but due to the holiday, they may not see the funds in their account
until Friday.
Laray Hay should contact our
office at ************ or via email at ************************ if they have any additional concerns.

Sincerely,
Compliance Department
Initial Complaint
Date:06/09/2025
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.
After taking out a loan with this business I have found out that they are NOT LICENSED IN THE STATE OF MISSOURI to do online loans. Which makes this illegal.

I want an adjustment made showing this paid in full and no further contact from them. Will also turn them into the attorney general.
Business Response
Date: 06/10/2025
Please provide me with the name of your lender. We have multiple lenders and need this information to get your request to the correct person.

Business Response
Date: 06/17/2025
Eagle Rock Funding (Company) has completed its review of ******* *********** ** complaint. 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. Be
advised, nothing in this communication should be construed as a waiver of the Tribe’s or the Company’s
sovereign immunity, all of which are expressly preserved.
Our records show that ******* *********** was approved for a loan on 10/24/2024 for $500.00 at
which time they were provided with a copy of their Loan Agreement, which included Truth in Lending
Disclosures, the Terms and Conditions of their loan along with a re-payment schedule. Eagle Rock
Funding discloses the total cost to a borrower if only the minimum payment schedule is followed. All
rates and loan fees are prominently displayed within the Loan Agreement and were acknowledged by
Eagle Rock Funding at each point by electronic signature.
The interest and fees applicable to the loan are permitted by Tribal law and they were accurately and
clearly reflected in the loan agreement that was signed by ******* *********** before receiving the
loan.
To date, ******* *********** has not made any payment toward their loan commitment.
As a courtesy to ******* ***********, we will consider the account closed with no further obligation
upon payment of the principal balance of $500.00 by check or money order to:
** *** **
Solon, IA 52333
Phone: 844-380-3922
Or
******* *********** may contact Customer Service at 866-208-5161 to set up payment arrangements.
We hope this resolved her concerns and will consider this complaint resolved.
Sincerely,
Compliance Department
Customer Answer
Date: 06/17/2025

Complaint: ********

I am rejecting this response because:

I have checked with the Missouri department of finance and the license you sent is NOT a license for the state Missouri. Which makes this loan Voided and illegal. You did not have the authority to do a contract online in the state of Missouri for a loan.
The state that I am in is the state that has legal authority and you are not licensed in it, that’s why it’s required.
Please adjust this to show it is not owed it your system. And blacklist me as well.

Sincerely,

******* ***********
Initial Complaint
Date:06/09/2025
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.
Loans advertised online through Enable Loans when the interest rates are not legal in AZ where I live.
I have paid off one account with them previously. I revoke all ACH authorizations on my bank account and do not wish to do business with them anymore.
Customer Answer
Date: 06/09/2025
I have had a loan from enable loans. A subsidiary of this vendor. I paid that loan off and then applied for another one, then realizing that the interest rates are not legal in my state of Arizona. By the time the loan is paid I will have paid %600 of the original loan amount. I would like to revoke ACH authorization and set up a payment plan in the future to pay only the principal loan Amount.
Business Response
Date: 06/23/2025
Thank you for submitting your concerns regarding
the interest rates charged by Enable Loans in the state of Arizona.
Enable loans is wholly owned and operated
subsidiary agency of the Wakpamni Lake Community Corporation (WLCC), an arm and
entity organized and governed by the laws of the Oglala Sioux Tribe of the Pine
Ridge Reservation (the “Tribe”), a sovereign nation located within the United
States of America and operates from within the Pine Ridge Reservation.
Enable Loans makes unsecured consumer loans
in accordance with the Tribe’s Tribal Consumer Financial Services Regulatory
Code and is licensed under Tribal law. The loan agreement you entered into with
Enable Loans provided that the loan would be governed by the laws of the Tribe. The loan is not subject to Arizona’s interest
rate limitations as stated in the claim made to the BBB.
The interest rate and fees applicable to the
loan are permitted by Tribal law and were accurately and clearly reflected in
the loan agreement. . The TILA Disclosure outlined the annual percentage rate
and finance charge. .
As requested, we have noted the
revocation of your ACH authorizations from your bank account. This revocation
does not eliminate or forgive the outstanding balance owed on your loan. Your
obligation to repay the loan in accordance with the terms of your loan agreement
remains in effect. Please reach out to customer service at (888) 704-3223 or
email at [email protected] to set up a payment plan for the remaining
balance of this loan.
Customer satisfaction is our top
priority, we want each customer to know how much we value them. Enable Loans
takes these types of inquiries very seriously and appreciates the opportunity
to respond to you.
Be advised, nothing in this communication
should be constructed as a waiver of the Enable Loan’s sovereign immunity, all
of which are expressly preserved. We genuinely appreciate your feedback and the
opportunity to address your concerns. If you have any additional questions or
require further clarification, please do not hesitate to reach out.
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.
I didn’t realize this APR charge was ridiculous amount! I honestly can’t pay this loan. my income is only about 1300. Is there anything I can do? And please cancel my automatic payments. I just want to either cancel my loan. please help me out
Business Response
Date: 05/20/2025
Good Morning; I would like to help you out but I need the name of the lender that you have your account with.
Business Response
Date: 05/27/2025
This letter is in response to
your concerns that were sent to My Full 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 these types of inquiries very
seriously and appreciates the opportunity to respond.
Our
records indicate that you were approved for a $750 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
appreciate that you may be going through a difficult time financially and would
like to help. We are happy to resolve your concerns by reducing your scheduled
payments to $165.00 and applying these directly to your outstanding principal
balance of $730 with no further interest, fees or charges applied. Starting
with your scheduled payment on May 27, 2025, once further payments totaling
$730 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 Full
Wallet.

Sincerely,

Compliance Department
My Full Wallet
Customer Answer
Date: 05/29/2025
I would like to reopen the complaint.. they recieved there payment. My loan balance is 565. let me know if they respond .
Initial Complaint
Date:05/13/2025
Type:Order 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.
To Whom It May Concern,

A loan from Consumer First Credit in the amount of $500 was taken out on 1/24/25.

As of today's date, I have made of $800 worth of payments.

I wish to have this account satisfied and marked as PAID in FULL. The interest rate of 737.18% is illegal in the State of New Jersey of which I reside.
Business Response
Date: 05/19/2025
Consumer First Credit (Company) has completed its review of ******* ******* complaint. 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. Be
advised, nothing in this communication should be construed as a waiver of the Tribe’s or the Company’s
sovereign immunity, all of which are expressly preserved.
Our records show that ******* ***** was approved for a loan in 1/24/2025 for $500.00 at which time
they were provided with a copy of their Loan Agreement. Consumer First Credit ’s Loan Agreement
provided their Truth in Lending Disclosures, the Terms and Conditions of their loan along with a repayment
schedule. Consumer First Credit discloses the total cost to a borrower if only the minimum
payment schedule is followed. All rates and loan fees are prominently displayed within the Loan
Agreement and were acknowledged by Consumer First Credit at each point by electronic signature.
The interest and fees applicable to the loan are permitted by Tribal law and they were accurately and
clearly reflected in the loan agreement that was signed by * ****** ***** before receiving the loan.
As a courtesy to ******* *****, we will consider the account closed with no further obligation upon
payment of part of the remaining balance of $200.00 by check or money order to:
** *** **
Solon, IA 52333
Phone: ************
Or
******* ***** may contact Customer Service at ************ to set up payment arrangements.
We hope this resolved her concerns and will consider this complaint resolved.
Sincerely,
Compliance
Business Response
Date: 05/21/2025
Consumer First Credit (Company) has completed its review of * ****** ***** ** complaint. 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. Be
advised, nothing in this communication should be construed as a waiver of the Tribe’s or the Company’s
sovereign immunity, all of which are expressly preserved.
Consumer First Credit is a tribal governmental entity, it is a wholly owned subsidiary of Wakpamni Lake
Community Corporation (“WLCC”). WLCC is the wholly owned tribal economic development arm of the
Wakpamni Lake Community government, a subsidiary municipal tribal government of the federally
recognized Oglala Sioux Tribe of the Pine Ridge Indian Reservation (“Tribe”). The principal place of
business and office of Consumer First Credit is at ** ******** **** **** Wakpamni Lake, South Dakota
57716 on the Tribe’s Reservation. In addition, Consumer First Credit is wholly owned and controlled by
the tribe, was established for the tribe's benefit, and formed pursuant to tribal law, thus sharing
sovereign immunity, therefore, are not subject to state laws and licensing.
The interest and fees applicable to the loan are permitted by Tribal law and they were accurately and
clearly reflected in the loan agreement that was signed by * ****** ***** before receiving the loan.
In an effort to resolve * ****** ***** ’s complaint, Consumer First Credit will consider her loan as paid in
full. There are no further payments due, and consider this matter closed.
We hope this resolved her concerns and will consider this complaint resolved.
Customer Answer
Date: 05/21/2025

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,

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

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Wakpamni Lake Community Corporation is NOT a BBB Accredited Business.