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

105 total complaints in the last 3 years.
50 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: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
Initial Complaint
Date:01/10/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I got a loan through just loans and then i read loan agreement there interest rate is 638% this is so illegal not to mention its just wrong also i asked to not be called and put on do not call list but they continue to harass me
Business Response
Date: 01/24/2025
Just Loans (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 *** ****** 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.
In reviewing *** ****** complaint to your office about the interest rate, please be advised that Just Loans (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.
Just Loans is fully regulated by, and in compliance with, the consumer laws of the Oglala Sioux Tribe law. To that end, *** ****** 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, is not subject to state laws regarding interest rate caps, and there is no federal rate cap. Just Loans is licensed by Tribe.
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. It is Tribal policy that all consumer complaints be handled in a prompt and fair manner. With respect to the request to stop being called, until this complaint was received no prior request to stop calls has been received.
The loan was funded on 12/5/2024, and to date we have not received a payment. The Company is willing to work with *** ***** to repay this account.
*** ***** should contact us at ************** or via email at [email protected] to reach Just Loans if he has additional concerns or to repay the balance of the account.

Sincerely,
Compliance Department

Customer Answer
Date: 01/30/2025

Complaint: ********

I am rejecting this response because:I got a loan through this company i decided to revoke authorization for ach transfer and they withdrew the loan amount from my account the man i talked to on the phone never said anything about this now my bank acct is in the negative i request the 200 dollars back that we agreed to

Sincerely,

******* *****
Business Response
Date: 01/31/2025
Just Loans (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 *** ****** 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.
In reviewing *** ****** reason for rejecting our initial response, he is claiming that the Company withdrew the loan amount from his account, the Company has confirmed upon receiving his loan, *** ***** revoked his authorization to process automatic payments. The Company has not attempted any payment transactions regarding this account. Should *** ***** continue to disagree with this, please have him provide documentation showing Just Loans attempting to withdraw funds from his account so that we can further investigate.
*** ***** should contact us at ************** or via email at [email protected] to reach Just Loans if he has additional concerns or to repay the balance of the account.
Initial Complaint
Date:01/07/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I took out a loan on just.loans which says it is an entity of the wakpamni lake community. the interest rate is 598%. this loan company is not licensed in washington state. i have paid $1103.49 on a $1000 loan sense 10/25/2024. my interest rate is 598%. total remaining payments of $3508. total balance today of $1260.

I would like the remaining loan balance to be settled as this is not lawful under my state or washington state laws. I have paid back $1000 and interest for two months of a lawful loan.
Business Response
Date: 01/09/2025
Just Loans (Company) has
completed its review of A**** *******’s 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 Mr. ********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.
In reviewing Mr. Bac*****s complaint to your office about not
being licensed in the State of Washington, please be advised that Just Loans
(The Company) is a subsidiary agency of the Wakpamni Lake Community
Corporation, an arm and ent*** ** *** ******** **** ********** ***** ** * ***** ****** ************ ********** ** *** ****** ***** ****** ***** ******* ** *** **** ***** *********** ** ***** *******
**** ***** ** ***** ********* *** *** ** *ompliance with,
the consumer laws of the Oglala Sioux Tribe law. To that end, Mr. Bac*****s
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, is not subject to state laws regarding interest rate caps or
licensing. Just Loans is licensed by Tribe.
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.
It is Tribal policy that all consumer complaints be handled in a prompt and
fair manner. The Company is willing to work out a settlement agreement with Mr.
Bachtel.
Mr. Bachtel should contact us at ************** ** *** ***** ** ****************** ** ***** **** ***** ** ** *** ********** ******** ** ** ******* ********** ********

**********
********** **********
Business Response
Date: 02/04/2025
J*** ***** ********* *** ********* *** ****** ** ***** ******l’s 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 Mr. B*******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.
In reviewing Mr. B*******s complaint to your office about not being licensed in the State of Washington, please be advised that Just Loans (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.
Just Loans is fully regulated by, and in compliance with, the consumer laws of the Oglala Sioux Tribe law. To that end, Mr. B*******s 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, is not subject to state laws regarding interest rate caps or licensing. Just Loans is licensed by Tribe.
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. It is Tribal policy that all consumer complaints be handled in a prompt and fair manner. The Company is willing to work out a settlement agreement with Mr. ******l.
M** ******* ****** ******* ** ** ************** ** *** ***** ** ****************** ** ***** **** ***** ** ** *** ********** ******** ** ** ******* ********** ********

**********
Initial Complaint
Date:11/22/2024
Type:Customer Service Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Called about possibly obtaining a loan I was asked to spell my first and last name and then I was told to hold and then came back and said that they had been told by underwriting that I couldn’t be approved for a loan at this time even though I never applied so this was decided by I believe my ethnicity as I was never asked for my social or birth date to even say this had anything to do with my credit profile
Business Response
Date: 11/25/2024
*** ********
Can you please give me the name of the lender that you applied with. We have multiple lenders and I need this to investigate your complaint.
Thank You!

Business Response
Date: 12/09/2024
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 continuing
concerns that he was discriminated against based on his race or ethnicity, the
Company still adamantly denies this in its entirety. The Company does not discriminate against any
applicant. As stated in our original response, the Company had a previous
relationship with *** ******* where a loan was approved for him, and terms of
that loan were not met in its entirety despite the Company closing the account.
The only thing that changed in
between the original loan being approved and the denial of the second loan was
the financial underwriting criteria history *** ******* had with the
Company. The Company did not change its
lending practices during that timeframe.
The fact that *** ******* was originally approved for a loan demonstrates
that the Company’s lending practices are not discriminatory against his, or
anybody’s, race or ethnicity.
Mr. Navarro can contact the
Company at ***** ******** or via email at ********************************* if
there are any additional concerns.

Sincerely,
Compliance Department
Customer Answer
Date: 12/09/2024
So just to be clear other than just able to state the facts and that nothing was shown on their end to show otherwise the BBB stand against discriminating practices is that it's ok just as long as the company responses back?
Initial Complaint
Date:11/09/2024
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 used Dakota Funding Group Twice first time was no issue. This time around I have been working paying on this $450 loan forever and my balance has still not gone down. It what’s me to pay $441 to pay it off when I paid over $800 already.
Business Response
Date: 11/12/2024
Dakota Funding Group (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.
Dakota Funding Group 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 Dakota Funding Group is at ** ******** **** **., Wakpamni Lake, South Dakota
57716 on the Tribe’s Reservation. In addition, Dakota Funding Group 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 Alex Clair before receiving the loan.
In an effort to resolve Alex Clair’s complaint, Dakota Funding Group will consider their loan as paid in
full. There are no further payments due, and consider this matter closed. As a result, you will no longer
be eligible for future loans with us. If you have any further questions, please contact us at *************
We hope this resolved her concerns and will consider this complaint resolved.
Sincerely,
Compliance Department
Business Response
Date: 11/27/2024
You have two loans one with Explore Credit and the other was with Dakota Funding Group. Your rejection does not clarify which one of the company's you are complaining on. Dakota Funding Group has closed your account with no further amount due. Explore Credit is willing to settle your account.
Please let me know which company.

Thank you!
Customer Answer
Date: 11/27/2024

Complaint: ********

I am rejecting this response because:

interest rate is ridiculous and Explore Credit told me to complete the stop payment that’s why I did it. Picture attached. You try to take 4 payments out of my account.

Sincerely,

**** *****
Initial Complaint
Date:10/10/2024
Type:Service or Repair 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 used the services of ********* ******* and have received their emails for years even though I continuously "unsubscribe". I have unsubscribed 50-100 times with no luck. I do not wish to be associated with this business nor be contacted by them.
Business Response
Date: 10/17/2024
WLCC Lending II DBA Arrowhead
Advance (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 to
you regarding *** ******* 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 *** ******* concerns about not wanting to receive
any additional communications, he did have a loan with the Company which is no longer
active. The Company has updated all its
records to stop any additional communications to him.
Should *** ***** have any
additional concerns, he may contact customer service at ************** or via
email at *************************************
Sincerely,
Compliance Department
Initial Complaint
Date:08/23/2024
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 taken numerous loans from Bison green and I was charged an illegal mount of interest for New Hampshire residents. Even online or if the company is from another state it is still illegal to charge those insanely high interest rates for NH residents.
Business Response
Date: 08/30/2024
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.
ACCOUNT HISTORY/BACKGROUND
*** ******** completed a total of nine loans with Bison Green Lending between May 16th, 2024 and August 22nd,
2024. He has received a total of $5,900.00 and paid only $417.54 in interest and fees. For each of these loans, Mr.
Caggiula 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
The central drive of *** ********’s concern is that Bison Green Lending’s loan terms are inconsistent with the laws
of his home state. WLCC Lending BGL DBA Bison Green 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. 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 Bison Green Lending’s business and we have made every effort to
accommodate each of *** ********’s requests during the course of his many loans with us. As of today, *** ********
has no outstanding loans or balances with the Company and no refund or balance adjustments are justified. We
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
Business Response
Date: 09/06/2024
To Whom It May Concern:

WLCC Lending BGL DBA Bison Green Lending
(“Company”) is committed to customer satisfaction and we appreciate the
opportunity to work together to find an amicable solution. 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.

COMPLAINT
& RESPONSE
Mr
Caggiula Complaint: “Even being a tribal loan company they still have to comply with state
regulations and it's illegal in NH and the company that I first put my
information in that send me to your website that was illegal aswell and I do
not have to pay the interest.”

Our
Response: To reiterate our original response, 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.
Furthermore, any applications sourced from third-party websites are acquired
solely upon receipt of the client’s express authorization for information
sharing.

PROPOSED
RESOLUTION
While each of the seven loans you obtained
from our Company were fully compliant with all applicable laws and regulations,
we acknowledge the challenges you are facing due to your mother’s health and
empathize with your circumstances. We understand that many of our clients are
dealing with difficult situations, and we treat each one with compassion and
dignity. In a gesture of goodwill, because principal has been repaid, and in an
effort to prove our commitment to customer care, we will agree to return all interest
that was paid on your loans in the amount of $417.54 upon receipt of a signed
release form. If this resolution remains acceptable to you, please respond to
the BBB complaint so we can close this issue and we will contact you directly
to facilitate the return of the funds.
Customer Answer
Date: 09/06/2024

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:08/19/2024
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 apply for a loan was directed to **** **** **** immediately I was ask to sign documents.

They started calling me about I sign papers to get a loan I was under the wrong impression. Immediately was a scam I told the person on the phone I don't want to cancel my order. They continue to tell me I sign for a loan . BIGSCAM
BIG SCAM.
Business Response
Date: 08/21/2024
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 ******** ********** 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 ******** ********** concerns
that this loan is a scam, the Company refutes that entirely. The Company does offer loans based on a
consumer’s past history and ability to pay.
Upon receiving the request from ******** ******** for a loan, the normal
loan verification process was followed.
In viewing the contents of the complaint, we believe ******** ******** wishes to withdraw the loan application despite the complaint stating, “I don’t
want to cancel my order.”
The status of the loan
application is withdrawn, and no loan will be funded. Additionally, the Company has notated
******** ********** account to stop all further communications.
******** ******** can contact the
Company at ***** ******** or via email at ********************************* if
there are any additional concerns.

Sincerely,
Compliance Department
Initial Complaint
Date:07/26/2024
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 am hoping ** ******* ******* is under this company. I did send a BBB complaint but didn’t receive anything yet. Hopefully they’re under that one. Well, ** ******* ******* is ripping me off. I was promised a pay off of 1100 over the phone and 25 dollars on the 26th. I’m looking back at my account and noticed that they double up the amount. I believed I’m going to be paying over a grand extra for an 800 loan. 637 already paid off. If they can come to an agreement so I can pay off my 800 plus 200 whatever interest then I’ll rest my case. Since this is illegal. I’m in Florida. I think ** ******* ******* should come to an agreement. I’m hoping they can come to agreement that I paid off only 358 including their interest on August 9th. This is predatory lending that actually doubles the interest and lie to you over the phone. They’re secretly doubling up their interest to get you. Hopefully they come to an agreement that I’ll pay off 358.00 soon. They need to contact me as soon as possible so I can set up that payment plan. I was lied to and deserve some kind of compensation. I also included an email I received before the call. Good riddance.
Business Response
Date: 07/30/2024
Black Hawk Financial DBA
******************** (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 *** ********** 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 *** ********** concerns
about the interest rate being illegal, Black Hawk Financial DBA
******************** (Company) is a subsidiary agency of the Wakpamni Lake
Community Corporation (WLCC), 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.
Black Hawk Financial DBA
******************** is fully regulated by, and in compliance with, the
consumer laws of the Oglala Sioux Tribe law. To that end, *** ********** 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 and is not subject to the interest rate
requirements of the State of Florida.
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. It is Tribal
policy that all consumer complaints be handled in a prompt and fair manner.
To resolve this complaint, the company
has been in contact with Ms. Holloway and agreed to make a deferral payment of
$25.16 which was made on 07/26/24, and then settle the account for $855.62, to
be broken up into 8 bi-weekly payments of $106.95, with one of the payments
being $106.97.
Ms. Holloway can contact Black
Hawk Financial DBA ******************** at ************ if she has any
additional concerns.

Sincerely,
Compliance Department
Customer Answer
Date: 08/12/2024
I just see that 106 was taken out this morning. As I keep telling this company to please be lenient that I’m going through financial problems as of right now. I’ve already paid what I owed now. I won’t be able to make more payments in the future. I was hoping for this to just be a final payment. And to not pay more of the interests. If this company can do so please as I won’t have any more money to give in the future. I know this was a settlement but it’s a settlement of interests that I can’t pay. Hoping BBB can help me with this. As this can only be the final payment as a lot was already paid for. Thanks. I’m hoping for a response by today since my bank account will be closed soon because of financial hardship.
Business Response
Date: 08/13/2024
Black Hawk Financial DBA
******************** (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 *** ********** 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 *** ********** concerns
that she wishes not to pay the loan back as agreed to in the original loan
agreement. In an effort to resolve this
complaint, once the payment of $106.95 set up for 08/23/24 clears the bank, the
Company will mark the account as paid.
Ms. Holloway can contact Black
Hawk Financial DBA ******************** at ************ if she has any
additional concerns.

Sincerely,
Compliance Department
Initial Complaint
Date:06/25/2024
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 took out a $700 loan with EAGLE ROCK FUNDING. I was told that I can make an overpayment or prepayment at anytime without penalty. On 6.14.24 I called to have an additional $500 taken with the 6.17.24 payment. I was told I couldn't do it as it was already "in process". The agent offered to run it 6.18.24 which I agreed to, the draft was completed. When I looked at a breakdown of payments, how much to principal and how much to interest, I caught that they had taken $250 of my payment and applied it to the interest with no explanation. I called multiple times, talked to multiple people. Finally got ahold of a supervisor that told me that unless the payment was made the same day as the set draft, the full payment would be split. This was not brought to my attention when I set up the additional payment. I TRIED to set it up the same day, and was refused. There is nothing in writing about having to make this payment on the same draft date, nothing. See page 3 of contract. It's something they keep hidden in order to take more money from their customers. No agent ever said anything about this little catch, not during the application period or after, and certainly not on the day I set up the payment. I have asked multiple times to have the amount they put to interest put onto the principal balance as it should have as with any prepayment or overpayment. This is theft as they KEEP THIS INFORMATION FROM THEIR CUSTOMERS. After going around for several minutes with a supervisor, who works from home and the dogs were continually barking making the conversation harder than it should have been, she finally told me that is how the biz worked and there wasn't anything they could do. I want the $250 put onto my principal balance, and I want the account noted as paid in full with no further interest after the day I made that overpayment. I have contacted the main office and have not received any response.
Customer Answer
Date: 07/09/2024
Update: COMPANY HAS CORRECTED THE ISSUE TO MY SATISFACTION AND HAS BEEN SETTLED

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