Complaints

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

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• 

  Wakpamni Lake Community Corporation

  PO Box 6048 Pine Ridge, SD 57770-6048

• 

  Wakpamni Lake Community Corporation

  PO Box 203 Batesland, SD 57716-0203

• 

  Wakpamni Lake Community Corporation

  PO Box 204 #1 Wakpamni Lake Housing Batesland, SD 57716

• 

  Wakpamni Lake Community Corporation

  PO Box 232 Batesland, SD 57716-0232

• 

  Wakpamni Lake Community Corporation

  PO Box 212 Batesland, SD 57716

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:02/27/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I took out a loan with Enable Loan and made my first payment back in August 2024. However, due to the financial hardship, I communicated with them back on September saying that I still have a hardship. But I never receive any communication from them until I had to call back. Now I am told that they tried to offer me a settlement back in January but I never receive any communication from them at all.
  
  I called them today and ask them if I can do something with a smaller payment less than 100 but they refuse! They expect me to start my payment for 200 which is ridiculous a lot!

  Business Response

  Date: 03/12/2025

  WLCC Lending DBA Enable Loans has completed its review of concerns *** *** Customer satisfaction is our top priority, 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 to you regarding *** ** concerns. Be advised, nothing in this communication should be constructed as a waiver of the Tribe’s or the Company’s sovereign immunity, all of which are expressly preserved.
  Dear *** **,                                                                    
  Thank you for reaching out to us regarding your recent concerns about your loan, which was established on August 13, 2024, with a deposit of $500 into your **** ** ******* account ending in ****. We sincerely appreciate the opportunity to assist you.
  We acknowledge that you contacted us in September 2024, shortly after receiving the loan, to inform us of financial hardship. At that time, you also requested to revoke your ACH payments, which we promptly honored. As part of our commitment to assisting customers facing financial difficulties, we requested supporting documentation to explore potential options and tailor the best repayment plan for your situation. Unfortunately, we did not receive any follow-up documentation from you to proceed with a hardship evaluation.
  In February 2025, you reached out again to inquire about the status of your loan and we provided you with an update on the outstanding balance of $2,078.30. During this conversation, you indicated that you would be able to resume payments in March 2025. At that time, we once again encouraged you to submit proof of financial hardship, which could include overdue bills, medical expenses, pay stubs reflecting reduced income, or any other relevant documentation that could support your request. However, as of today, we have not received the necessary information to reassess your financial situation and determine if any modifications to your loan may be possible.
  We want to assure you that our goal is to assist you in finding a manageable solution, but we do require your cooperation to proceed. The payment amounts previously discussed were based on the financial information provided at the time of your loan application. If you are still experiencing financial hardship, we encourage you to submit the requested documentation so that we can re-evaluate your options.
  Please feel free to reach out to us with any further questions or to provide the necessary documents. We are here to help and look forward to working with you toward a resolution.
  
  

  Customer Answer

  Date: 03/12/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: this is not part of the agreement.
  
  
  
  Sincerely,
  
  
  
  *** **

• Initial Complaint

  Date:02/25/2025

  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 am still receiving emails and texts from this lender trying to get payments. I have recently discovered ***** ***** is NOT licensed to lend in WI where I reside.

  Business Response

  Date: 03/04/2025

  WLCC Lending BGL DBA ***** ***** 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.
  ACCOUNT HISTORY/BACKGROUND
  *** ****** took out a total of two loans with ***** ***** Lending over 2018-2019. For each of these loans, *** ****** was provided with a copy of his signed loan agreements which outlined the Truth in Lending Disclosures along with the Terms and Conditions of the Loan. His most recent loan was taken out on June 3rd 2019 and became past due in August of 2019. ***** ***** Lending has not contacted *** ****** regarding his account since March of 2021.
  COMPLAINT & RESPONSE
  The central drive of *** ******’s concern is that ***** ***** Lending’s loan terms are inconsistent with the laws of his home state. WLCC Lending BGL DBA ***** ***** Lending (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. 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, is not subject to state laws and licensing. 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 they were accurately and clearly reflected in each loan agreement that was signed before receiving the loan.
  Customer satisfaction is paramount to ***** ***** Lending’s business and we have made every effort to accommodate each of *** ******’s requests during the course of his loans with us. Furthermore, in an effort to additionally resolve *** ******’s concerns, WLCC Lending BGL DBA ***** ***** Lending has waived the remaining balance and considers the loan paid in full. There are no further payments due. ***** ***** will not attempt to contact *** ****** in the future. We hope this resolves *** ******’s concerns. However, if he, 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: 03/04/2025

  
  
  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:02/25/2025

  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 $200 loan from Good Loans fast and have paid at least 400 dollars back already!
  This is the definition of predatory lending and this place needs to be shut down!

  Business Response

  Date: 03/03/2025

  WLCC Lending AIL DBA Good Loans Fast (Company) has completed its review of ********* ********* concerns. 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 to you regarding *** *******’s concerns. 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. 
  *** ******* has concerns regarding the loan he received from the Company and the amount of interest charged. At the time the loan was offered to *** ******* the loan agreement he agreed to indicated the amount of the loan, the amount of interest and the total repayment amount if the loan went full term. *** ******* agreed to those terms.  Additionally, the loan agreement advises that he can save money by paying the account without letting the account go full term to save money, there is no penalty to repay the loan early. In addition to loan agreement, at the time of going through the application the terms of the loan were explained to him prior to him signing the loan agreement.
  In January 2025, *** ******* attempted to pay the account off using a debit card, however the transaction was declined. The Company is willing to assist *** *******, and is willing to waive non-payment penalties that this delay may have caused.  He would need to contact the Company to make those arrangements.
   *** ******* can contact the Company at ***** ******** or via email at ********************************* if there are any additional concerns or to make these arrangements.
  
  Sincerely,
  Compliance Department 
  
  

  Business Response

  Date: 03/04/2025

  WLCC Lending AIL DBA Good Loans Fast (Company) has completed its review of ********* ********* concerns. 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 to you regarding *** *******’s concerns. 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. 
  Regarding *** *******’s concerns about stopping payments, the Company is closing the account as unpaid, however all future payments have been stopped, and all future communications will also stop.
   *** ******* can contact the Company at ***** ******** or via email at ********************************* if there are any additional concerns.
  
  Sincerely,
  Compliance Department 
  
  

  Customer Answer

  Date: 03/04/2025

  
  
  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:02/25/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company gave me a loan for $300 that I did not sign anything for and I did not want. When I try to follow the link in an email they sent for payments it says my account doesn't exist. When I tried to reach out in email they would only respond if I sent a lot of my personal information which I was not comfortable with. I was not able to reach anyone through phone. This company charges ridiculous payment fees that I can't afford to be responsible for. I never signed anything wanting this loan.

  Business Response

  Date: 02/25/2025

  Please provide me with the name of the lender.  We have multiple lenders and need this information to get your request to the correct person.

   

• Initial Complaint

  Date:02/17/2025

  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 will be attaching an email of communication, however I sent this predatory company a revoke authorization letter and they refuse to confirm they won't touch my account any longer, which is illegal. Desired settlement is contact with acknowledgement by the business ASAP.

  Business Response

  Date: 03/03/2025

  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 *** ***** correspondence to your office, it is our understanding that she is requesting her automatic payment authorization to be revoked.  This request was originally received on February 14, and was properly processed at that time.  She also sent correspondence to Wakpamni Lake Community Corporation’s compliance personnel requesting the same thing on February 18, and we responded at that time that the authorization was revoked.  
  *** **** currently has no payments scheduled to be made on her account, and no payments have ever been made regarding her account.  *** ***** loan agreement has the due dates of the payments for this account, and the payments should be received on or before those dates.  
  *** **** can contact our office at ************ or via email at [email protected] if she has any additional concerns, or to make payments over the phone to eliminate mailing in her payments.
  
  Sincerely,
  Compliance Department
  
  

  Customer Answer

  Date: 03/03/2025

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

  This business is a predatory lender and I was not aware of there high interest rates, nor did they confirm them via our phone conversation. I am not liable for these payments. 

  
  
  
  Sincerely,
  
  
  
  ***** ****

  Business Response

  Date: 03/12/2025

  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 *** ***** latest correspondence to your office, she is rejecting our initial response stating she was unaware of the amount of interest the account was going to accrue. To establish the loan *** **** needed to electronically sign the loan agreement.  That loan agreement states the amount of the loan, the total finance charges and the total amount to be repaid if the loan goes full term. The loan agreement also states that there is no penalty for early repayment.
  To resolve this complaint the Company is willing to accept the amount of the loan returned to close the account and will waive any interest that has accrued on the account.
  *** **** can contact our office at ************ or via email at [email protected] if she has any additional concerns, or to return the value of the loan.
  
  Sincerely,
  Compliance Department

• Initial Complaint

  Date:02/05/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I took out a loan from the business on 1/30/25. I've been trying to pay back the loan since I took it out because I no longer wish to have it. The payments/interest rate are too high. However, when I try to make a payment on the website there is no option to do. I've tried contacting the business and can't get a hold of anyone. The interest is raising the amount owed daily which isn't fair to me when I'm trying to pay the balance. I need help.

  Business Response

  Date: 02/05/2025

  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!

   

  Customer Answer

  Date: 02/05/2025

  The company is ****** ***** 

  Business Response

  Date: 02/11/2025

  WLCC Lending DBA Enable Loans (Company) has completed its review of ******** ******* concerns. Customer satisfaction is our top priority, 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 to you regarding ******** ******* concerns. Be advised, nothing in this communication should be constructed as a waiver of the Tribe’s or the Company’s sovereign immunity, all of which are expressly preserved. 
  
  Dear ******** *******
  
  We appreciate your patience and the opportunity to address your concerns regarding your recent loan with us. After a thorough review of your request, we would like to provide you with a summary of our findings and the steps taken to assist you.
  Your loan was established on January 30, 2025, with $500.00 deposited into your PNC Bank checking account ending in 9809. Per your signed agreement, your biweekly payments of $211.46 were scheduled to begin on February 14, 2025, with the final payment due on April 25, 2025.
  We understand that on January 30, 2025, you reached out via email stating that you were unable to log into your account to cancel your loan and that you wished to return the funds. Our agent responded promptly, providing you with a password reset link. When you indicated that the link was not working, a second reset link was sent with instructions that it was valid for one hour. Unfortunately, it appears that the issue persisted.
  On February 2, 2025, you emailed again stating that you were attempting to pay off the loan, but the website was not providing the option to repay just the $500.00 principal amount. You also mentioned that when calling the number listed on our website, you were redirected to another company, which led you to believe you were being scammed, however you had successfully paid off three prior loans with us. 
  To assist you in resolving this matter, our Escalations Team personally attempted to contact you so we could manually process your $500.00 payment over the phone and cancel the loan. However, we were unable to reach you, and a voicemail was left requesting that you return our call so we could assist you.
  On February 4, 2025, you sent another email stating that you had not received a response and that you were unable to afford the scheduled payments. You expressed distress over the accumulating interest and reiterated your desire to return the loan amount. Additionally, you mentioned that the phone number listed on our website was not working, though we did not receive confirmation of the number you were dialing.
  In response, on the morning of February 6, 2025, our Customer Service Manager made four separate attempts to contact you at the phone number listed on your account, but each call went to voicemail. Later that day, you sent another email stating that no one had contacted you and that you intended to file a complaint with the Better Business Bureau (BBB) due to a lack of assistance.
  As a courtesy, we will hold the interest on your loan until February 13, 2025, allowing you to repay only the principal amount of $500.00 without additional interest. If the payment is not received by this date, interest will be reinstated, and payments will be due per the terms of your contract.
  To resolve this matter, we kindly ask that you call us at ***** ******** at your earliest convenience. Additionally, we have sent you an email requesting a preferred date and time for us to contact you directly to assist with processing your payment.
  
  

• Initial Complaint

  Date:02/04/2025

  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 have contacted this company numerous times letting them know I can't afford my loan anymore. I have asked for reduced payment options or a settlement amount and they refuse to help me other than reducing my current payment.

  Business Response

  Date: 02/04/2025

  Please provide me with the name of your lender.  We have multiple lenders and need this information to investigate and respond to your complaint.

   

  Thank you!

   

  Business Response

  Date: 02/11/2025

  To Whom It May Concern,
  WLCC Lending DBA Enable Loans (Company) has completed its review of ******* ******** concerns. Customer satisfaction is our top priority, 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 to you regarding ******* ******** concerns. Be advised, nothing in this communication should be constructed as a waiver of the Tribe’s or the Company’s sovereign immunity, all of which are expressly preserved.
  We have carefully reviewed *** ********** inquiry regarding her current loan, which was established on December 27, 2024, for $500.00 and deposited into her *** ********* checking account ending in ****. The original contract outlined biweekly payments of $207.65, with the first payment scheduled for January 10, 2025, and the final payment set for March 21, 2025.
  On January 7, 2025, *** ******** contacted us to express her inability to make the full first payment and requested to skip it. At that time, our agent advised her to make at least a partial payment and informed her that hardship options were available if she provided documentation to support her financial situation.
  On January 23, 2025, *** ******** reached out via email, explaining that she had fallen on hard times and could no longer adhere to the original payment agreement. She requested to either reduce her payments to $100.00 per month or explore a settlement option. Again, our agent reiterated that we offer modification options but would require supporting documentation of her financial hardship. Based on the income and financial details provided at the time of the loan approval, the contracted biweekly payments were deemed affordable.
  *** ******** indicated uncertainty about what documentation to provide but stated that her bills exceeded her income. She emphasized that a one-time payment reduction would not solve her situation and expressed consideration of seeking assistance from a debt management company or filing a complaint with the BBB. To assist her, our agent provided a detailed list of acceptable hardship documentation and also informed her of the option to revoke her ACH payments and make manual payments in amounts she could afford.
  Ultimately, *** ******** declined to submit proof of hardship and chose not to revoke her ACH payments. She instead instructed the agent to process half of her next scheduled payment and stated she would determine her course of action for the following due date.
  At Enable Loans, we strive to support our customers in times of financial difficulty. We offer loan modification options and are willing to work with *** ******** to adjust her payments; however, she must follow the process required for assistance.
  We sincerely regret any inconvenience this situation has caused and remain committed to finding a resolution. If *** ******** wishes to proceed with a modification, we can have one of our specialists reach out to her to collect the necessary information to begin the process.
  
  

  Customer Answer

  Date: 02/15/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: My lawyer stated that in the contract agreement, it does not state I must provide proof of why I can no longer afford my payments. I'm having surgery in May that's not covered by insurance that I need to have paid in full before surgery. I can't do that if I have over $400 a month being paid for a $500 loan! Who knew that the Indian Tribal Community just likes to take advantage of people and make more than double the money on a loan someone needed in a time of need and then your company keeps sending me loan offers for $1000 to refinance my current loan. I've emailed you telling you I don't want the loan, yet somehow I keep getting applied for it.
  
  
  
  Sincerely,
  
  
  
  ******* ********

• Initial Complaint

  Date:02/01/2025

  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 11/6/2024, I accepted a loan offer from Enable loans. I made the first two payments and received text messages saying that if funds are getting low, I can apple again. The first attempt to reapply was denied because of the previous loan. I still continued receiving text messages to apply and reapplied and was granted a new loan. I had not dowloaded the new agreement, so I don't remember what day it was, but I think the new agreemeent wam in the amoutn to make the amount of the final payment on the first loan plus the new loan equal $500 or $600.
  
  I tried to go back into the website later, but since then, I get a message saying the User is unknown. If I tried to request a link to reset my password, I don't receive one, propably due to it saying my email is not recognized.
  
  I tried again today and I still receive the same error when trying to access my account. So I tried calling the phone number provided on their website and in emails from them, and received a voicemail stating to hold while they connect me with someone. The message does not identify who you are calling. After about one minute, the message says that no one is available and to leave a voicemail. When it connects to the voicemail, the name provided that you are calling says a name that I cannot understand, but it definitely wasn't Enable Loans. I left a voicemail anyway asking for a return call. I also sent an email to them. As of this moment, I hae not received a response to my voicemail or email message. Because of this and not knowing how remembering what my payment is after the new loan due to not being able to download the new agreement , I fear I am being scammed, so I have requested my bank to stop the ACH payments until I can reach Enable Loans I receive a copy of the new agreement and regain access to my account.

  Business Response

  Date: 02/11/2025

  WLCC Lending DBA Enable Loans (Company) has completed its review of ******* **** concerns. Customer satisfaction is our top priority, 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 to you regarding ******* **** concerns. Be advised, nothing in this communication should be constructed as a waiver of the Tribe’s or the Company’s sovereign immunity, all of which are expressly preserved. 
  Dear ******** 
  We sincerely apologize for any inconvenience you experienced in trying to reach us via phone and email. Due to high call and email volumes, we understand how frustrating this may have been.
   We acknowledge that you initially reached out on Sunday, February 2, 2025, regarding resetting your email login. As our office operates Monday through Friday from 8 AM to 5 PM CST, we were unable to address your request over the weekend. Additionally, on Monday, we encountered technical difficulties with our email server, which impacted our response times. To ensure timely assistance, our dedicated agents proactively reached out to customers by phone, and according to our records, you were among those assisted. During that call, our agent successfully helped you reset your login credentials so you could access your loan documents. 
  Regarding your loan, we want to assure you that this is your second loan with us, and we understand your concerns. Your current loan was established on January 23, 2025, as a refinance of $600. Of this amount, $209.79 was applied to pay off your previous loan (11924680), and $390.21 was deposited into your First Financial Bank checking account ending in ***** Your first payment of $395.85 was successfully processed on February 3, 2025. If you choose to dispute this payment with your bank, the amount will remain due. Otherwise, your next scheduled payments will be $395.85 on March 3, 2025, and a final payment of $395.83 on April 3, 2025. 
  We hope this clarifies your concerns, and we sincerely appreciate your patience and understanding. Please don’t hesitate to reach out if you need any further assistance.
  
  

  Customer Answer

  Date: 03/05/2025

  I just received the attached email message from Enable Loans with my response. Please excuse the typo. The word "manner" in myresponse should be "matter".

  Business Response

  Date: 03/20/2025

  WLCC Lending DBA Enable Loans (Company) has completed its review of ******* **** concerns. Customer satisfaction is our top priority, 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 to you regarding ******* **** concerns. Be advised, nothing in this communication should be constructed as a waiver of the Tribe’s or the Company’s sovereign immunity, all of which are expressly preserved. Dear *******, We apologize for you not being able to access you loan agreement online. Attached please find the loan agreement for the second loan you took out with us. We hope this clarifies your concerns, and we sincerely appreciate your patience and understanding. Please don’t hesitate to reach out if you need any further assistance.

• 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.

  I would like My Full Wallet to delete all my information and stop calling my work. I am a work from home employee, so I do not even go into the office that is attached to the phone number. Instead, my bosses receive your calls. Never has any loan / payday advance / cash advance called my work. It always states that the number is ONLY for verification purposes but that I will NEVER receive a call at work. You guys have possibly gotten me in trouble now by calling. Stop calling. I do not authorize calls to my place of employment, and I want my info deleted from My Full Wallet immediately.

  Business Response

  Date: 02/05/2025

  WLCC Lending LRG dba My Full Wallet has completed its review of Ms. Hobbs 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.  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 indicate that on January 28, 2025, My Full Wallet received a partially complete loan application from Ms. Hobbs. In attempting to complete the application, contact with Ms. Hobbs was attempted on the phone numbers which were provided and authorized on the application. This included an employment phone number.      
  My Full Wallet is pleased to resolve this complaint by confirming that all methods of contact have been removed and no further contact will be attempted. The application has also now been closed.
  Please be advised that WLCC Lending LRG dba My Full Wallet 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. 
  WLCC Lending LRG dba My Full Wallet 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 subject to state laws and licensing.  
  As a best company practice, we willingly follow 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 of federal consumer protection laws, as required by Tribal law.
  Sincerely,
  
  Compliance Department
  
  

• Initial Complaint

  Date:01/27/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  A few months ago, we switched to monthly payments via check. For some reason, they decided not to include the weekly $72.35 payments made. But on January 13th, I mailed a check for the amount of $135. There are mailing records to prove that it was mailed to them on that date. I am now facing late fees because for some reason, they have not processed and posted the check. Their customer service never answers the phone. They have us wait on hold for 20 minutes and then hang up on us. When contacting them via email, they take an extremely long time responding. If and when they do, they do not attempt to resolve the issue at hand. Now, they've been trying to see if I mailed it to the correct address when I literally mailed it to the address they provided.

  Business Response

  Date: 01/28/2025

  I need the name of the Lender *** ****** has his account with.  We have multiple lenders and need the name so I can get his complaint to the correct person.

  Customer Answer

  Date: 01/28/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: the name of the lender is ***** *****.
  
  
  
  Sincerely,
  
  
  
  *********** ******

  Business Response

  Date: 02/05/2025

  WLCC Lending BGL DBA ***** ***** Lending (“Company”) has completed its review of *********** ******’s 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 subject 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 of federal consumer protection laws, as required by Tribal law.
  ACCOUNT HISTORY/BACKGROUND
  *** ****** took out a loan of $1,000.00 with ***** ***** Lending on 09/09/2024. To date, he has made eight payments totaling $651.15. Prior to receiving the loan, *** ****** was provided with a copy of his signed loan agreements which outlined the Truth in Lending Disclosures along with the Terms and Conditions of the Loan.
  COMPLAINT & RESPONSE
  Customer satisfaction is paramount to the Company’s fundamental business practice and ***** ***** makes every effort to accommodate each and every client . We received email correspondence from *** ****** on 01/27/2025, expressing concern that he may receive a late fee. We contacted *** ****** directly to let him know the following:
  ? His mailed check could not be processed because it did not contain a signature and needs to be resent.
  ? Because he is communicating with us, as a courtesy, we did not assess any late fees on his account.
  ? As an additional courtesy to him, we have also paused all interest from accruing on his loan while he works to pay his balance.
  *** ****** confirmed that this resolution and path forward was acceptable on a phone call with our compliance team and his account has been noted and adjusted accordingly. However, if he has any further questions, he may contact our Tribal Hotline at: ************ and speak with **** ********* Director of C