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:02/12/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I initially took a loan out of $600. I paid $355 on 12/15/23, 12/21/2023 $189.71, 01/08/2024 $189.71, 01/26/2024 $189.71 ACH, 01/26/2024 $0.29 ACH, 02/08/2024 $188.80 Debit Card. I requested the pay off quote on 02/05/2024. The person I spoke to stated I have to pay with a debit card. I gave information and confirmed, however my bank notified me of the transaction declining due to wrong expiration date entered. I called to fix this on 2/7/23 and was notified I still had to let yet ANOTHER transaction payment of $189.71 process and that they were collecting a debt in collections!! Today I tried to access my customer account and was alerted that I was DELINQUENT. I sent an email as follows:
  Hello,
  
  My name is ******* *****. I have been trying to pay off my loan for SEVERAL DAYS. I am being told now that I am in collections????? The person I spoke to on the phone initially took the wrong expiration date. I have proof due to my bank denying the transaction for the wrong expiration date. Yesterday I spoke on the phone with someone to fix the issue and it was supposed to be paid today by 2. Conveniently no one is able to answer the phone when I call and now it is your "2pm cut off" within a few minutes of sending this. I am beginning to think this whole operation is a scam and I will be reporting. Suspicions arise from not being able to access proper documentation of the loan origination and many requests to have documentation of pay off amount as well as constantly having to supply very important personal information in emails and over the phone with people I can barely understand.
  
  Sincerely,
  ******* ***** 
  I called and spoke to a ******** this time who apologized and after I stated the above she said someone would have to call me back. Immediately after this call the payment was taken from my bank account and I could access my customer login page. I have requested that the loan be marked paid in full but no written documentation has been provided.

  Business Response

  Date: 02/12/2024

  Good Morning:
  
  Please let me know
  the name of the lender that you have your account with.  We have multiple
  lenders and I need this information in order to get your request to the correct
  person.
  
  Thank You!

• Initial Complaint

  Date:01/26/2024

  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.

  The name of the company is National Nation Loans. The address on their website matches this one. I hope this is the right business. The sum of $350 was put in my checking account. I was called the day before the deposit was made and I told the man I spoke with that I did not apply for a loan, that I didn't want one and that I had no idea what he was talking about. He said "Ok" and hung up. I want to return this money and to know exactly how they got my banking information, because they did not get it from me.

  Customer Answer

  Date: 01/26/2024

  They reversed the "loan" today.  I'm not happy with their customer service skills, but as far as I am concerned this is resolved.  

  I'm still going to close my account and take more security precautions.   

  Business Response

  Date: 01/30/2024

  Dear ******* **********
  
  We are in
  receipt of your recent complaint and concern related to the loan you received
  from WLCC Lending HBC DBA National Nation Loans (the “Company”) and would like
  to take this opportunity to respond.
  
  Please be aware
  that the Company is an entity of the Wakpamni Lake Community Corporation, a
  tribal corporation wholly owned economic development arm of the Wakpamni Lake
  Community, which is a local subsidiary government under the Oglala Sioux Tribe
  (the “Tribe”).
  
  The Company
  takes these types of inquiries very seriously and would like to provide you
  with the below information. However, 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.
  
  The Tribe is a
  federally recognized Indian tribe, organized under a Constitution pursuant to
  the Indian Reorganization Act of ***** ** ***** **** ** ****** ** **** *t
  seq., as amended, and is identified on the United States Department of
  Interior’s list of federally acknowledged Indian Tribes. 81 Fed. Reg. 26,826
  (May 4, 2016). The Company is an arm of the Tribe. As an arm of the Tribe, the
  Company possesses all of the privileges and immunities of the Tribe. The Tribe
  and the Company are entitled to tribal sovereign immunity and they are not
  subject to state law. ***** ***** ***** N.A. v. Lake of the Torches Econ.
  Dev. Corp., 677 F. Supp. 2d 1053, 1061 (W.D. Wis. 2010) (holding that
  entities acting as arms of a tribe are entitled to tribal sovereign immunity).
  
  You have
  expressed concerns that you received this loan but did not apply with National
  Nation Loans.
  
  We understand
  that you may not recall having applied with the Company.
  
  Please be aware
  that we work with a number of marketing lead generators and it is very likely
  that you applied for a loan through the website of one of our affiliates and
  partners. During the application process, the lead generator notifies the
  applicant that they are not a lender and gains consent to send the application
  through to the matched lender, which would be National Nation Loans.
  
  According to
  our records, we received an electronically-signed loan agreement, which is
  signed by clicking the ‘I Agree’ button on the loan agreement, in your name to
  borrow $350.00 from National Nation Loans on 01/23/2024. Per
  that agreement, the $350.00 was deposited into your ***** ******* account ending in -***** the bank account listed on the
  agreement, on 01/24/2024.
  
  Prior to full
  review of this complaint, and based on a previous communication we received
  from you, we had already scheduled a reversal of that deposit to post on 1/26/2024 in the amount of $350.00.
  
  Once this debit
  transaction clears, your account will be considered to be paid in full and
  closed. There will be no balance due at that point.
  
  If you believe
  that we did not receive your account as described above, please let us know so
  that we may assist you further in investigating the issue.
  
  We hope that
  you find this letter of explanation satisfactory. If you have any additional
  questions or concerns, please feel free to reach out to us. When you do, please include your full name, last 4 digits of your SSN,
  Date of Birth, and email address or phone number on file so that we may
  properly identify your account.
  
  Thank you,
  National
  Nation Loans
  Phone: ###-###-####
  Fax: ###-###-####
  

• Initial Complaint

  Date:12/18/2023

  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 a loan out with first day loans and it was a ridiculously high interest rate like 400 or 500% interest, so I called to pay off the loan early on December 13 and I was told to pay it by debit card and I did in full. Two days later the company took an ACH from my bank account unauthorized for $14.25 the company refuses to give me my money back today as they want me to do a three-way call to verify that the money was taken from my account now they have the ACH I would not have known the amount of the ACH if I didn’t check my account so that it was taken and I’m not giving a company a three-way call where I have to enter in my security, information, pin, and password with them on the call when they stole money from me. They also are charging illegal interest by the state of Ohio rules. ********************************************************

  Business Response

  Date: 12/18/2023

  First Day Loan (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.

  
  In regard to ******* *******’ concerns relating to their billing issue and charging illegal interest in Ohio.
  First Day Loan 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 First Day Loan is at ** ******** **** **** ******** ***** South Dakota 57716
  on the Tribe’s Reservation. In addition, First Day Loan 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.
  The customer, ******* *******, emailed us on 12/15/23 requesting a refund in the amount of $14.25,
  and in an effort to resolve the Customer’s concerns, we have already refunded the funds today,
  12/18/23. It is our goal to work with our customers to resolve their concerns.
  We hope this resolved their concerns and will consider this complaint resolved.
  Sincerely,
  Compliance Department

  Customer Answer

  Date: 12/18/2023

  
  
  Complaint: 21011994
  
  
  
  I am rejecting this response because: I have since received another charge of $35.41 because they made me pay by debit card and their operation is not even in the United States. It’s in another country, so therefore it was held as a foreign transaction by my bank. It shows that they are clearly misrepresenting their tribal affiliation as they’re not even in the United States and, like I stated before they violated Ohio laws, as they are not licensed to do business in Ohio, and I am in Ohio, and they violated Ohio’s maximum interest rate law, so I would like my interest returned, as well as the fee that I was charged by my bank. I just want my money back if they’re not gonna do that then I’m gonna report this to the Iowa Attorney General’s office as well as to see if PB because they are misrepresenting themselves in acting unethically and possibly illegally
  
  
  
  Sincerely,
  
  
  
  ******* *******

• Initial Complaint

  Date:12/12/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I took out a loan with this group DBA DAkota funding group earlier this year in an emergency.
  I have made payments and I still owe way more than I borrowed. I have also since found out these type of loans are illegal in my state. My husband has now lost his job and I am off work havign to care for my mother. I can not make these payments.
  
  Please consider my account as paid and closed, and do not take any more payments out.

  Business Response

  Date: 01/03/2024

  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.
  In regard to ****** ********** concerns relating to their statement that we are illegal in their state.
  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 ****** ******** before receiving the
  loan.
  In an effort to resolve the Customer’s concerns we encourage ****** ******** to contact a
  supervisor at ************ to discuss payment options on their loan, as we would like to offer a
  payment plan, and then consider the loan paid off. It is our goal to work with our customers to resolve
  their concerns.
  We hope this resolved her concerns and will consider this complaint resolved.
  Sincerely,
  Compliance Department

  Customer Answer

  Date: 01/03/2024

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  I have more than paid back the loan and it should be closed as is 
  
  Sincerely,
  
  
  
  ****** ********

• Initial Complaint

  Date:12/04/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I applied to see if I would qualify for a loan thru a website that was NOT ******** ****** *****. Apparently that company forwarded on my information to other loan companies to see if I would qualify for a loan. ******** ****** ***** was one of those companies. I never directly applied with them nor did I accept a loan from them, sign any documents or provide my banking info. However, the lender deposited $500 in my account on 11/21 and started debiting my account for $158.09 on 11/30. I have attempted to contact the company during their stated business hours and only get and answering services and no call back. I received a vague email and responded back with my concerns and of course I’m sure I won’t get a reply or it will be more vague dialogue. This company knows that their practices are deceptive and downright criminal which is the reason they give the run around. I’m sure I’m not the first person to experience this nightmare. I only realized this situation on today 12/4 when I reviewed my bank account in detail which I do once a month. After researching I discovered I’m expected to pay back over $2,000 for a loan I never authorized and never accepted and how exactly are they obtaining consumers bank account information if we aren’t providing? This is definitely can’t be in compliance. I work at a financial institution so I definitely would know this isn’t kosher. Then it appears they hide behind the veil of we don’t fall under traditional government and fall under the Wakpami Lake Community Government laws which of course isn’t easy to locate what those laws consist of. Definitely unscrupulous practices. I am returning the $500 minus the $158.09 debited from my account and want all future debits to my account cancelled. I don’t know how they have gotten away with this for this long!

  Business Response

  Date: 12/06/2023

  December 6, 2023
  
  BBB Midwest Plains
  ***** * ******
  Omaha, NE 68137
  800-649-6814
  ***********
  
  Subject: ***** *********** *** ********
  
  To Whom it May Concern,
  
  WLCC Lending HBC dba National Nation
  Loans is in receipt of the complaint filed by ***** Richardson on 12.4.23 and
  would like to take this opportunity to respond.
  
  WLCC Lending HBC dba ******** ****** ***** 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
  ******* ****** ** ** ** ******** **** ***, Wakpamni Lake, South Dakota 57716 on
  the Tribe’s Reservation. In addition, Explore 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 and, therefore, are not
  subject to state laws and licensing.
  
  According to our records, we received
  an electronically-signed loan agreement, which is signed by clicking the ‘I
  Agree’ button on the loan agreement, in the Complainants name to borrow $500.00 from
  National Nation Loans on 11.21.2023. Per that agreement, the $500.00 was
  deposited into ****** ************ ******** account ending in -****, the bank
  account listed on the agreement, on 11.22.2023.
  
  We understand that ****** **********
  may not have realized they were signing the loan agreement when the button was
  clicked.
  
  However, due to their concerns, we can
  begin the process of cancelling their loan and closing the account, but first
  we must receive back the entirety of the principal that we deposited into bank
  account information on file.
  
  A scheduled withdrawal in the amount
  of $500.00 is to
  be debited from the bank account on file. We are proposing that this
  transaction take place on 12.15.2023. We note that the initial payment that we
  processed according to the loan agreement has been returned to us on 12.4.2023
  as an R10 returned payment, making the transaction unsuccessful.
  
  Once the total principal amount has
  been retrieved successfully, the cancellation process will be complete and the
  account will be closed with no balance due.
  
  We look forward to hearing from you.
  
  Thank
  you,

• Initial Complaint

  Date:11/29/2023

  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.

  Was lent $500 and was supposed to be a set total number of payments but my balance never changer goes down to 8 something and now back to $933 since loan was funded on 8-28-2023 with me paying $80 a week and they provide a phone number that has not worked in over 2 months even when they provided me through text with the same number ************ to speak to a customer service rep this is just a rip off for them to keep charging $80 a week and no payoff in sight and can’t see the total loan agreement on line only shows you upcoming payment nor access to the contract a total scam being ran

  Business Response

  Date: 11/30/2023

  ****** ******* ***** ********* 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.

  
  In regard to ******* ********** concerns relating to their statement that he views this as a scam loan.

  
  Falcon 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 ****** ***** ***** ** *** **** ***** ****** *********** (“Tribe”). The principal place of
  business and office of Falcon Funding Group is at ** ******** **** ***, Wakpamni Lake, South Dakota
  57716 on the Tribe’s Reservation. In addition, Falcon 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 Anthony Clarkson before receiving the loan.
  

  In an effort to resolve the Customer’s concerns we encourage Anthony Clarkson to contact a supervisor
  at ************ to discuss payment options on his loan, as we would like to settle the full amount on
  $300.00 and then consider the loan paid off. It is our goal to work with our customers to resolve their
  concerns.

  
  We hope this resolved her concerns and will consider this complaint resolved.

• Initial Complaint

  Date:10/09/2023

  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 just want to push my payment for October to the end of the loan.
  
  They are telling me they have not received the correct information from the bank and that's untrue.
  
  They can make a decision based on the fact that I make all my payments on time.
  
  I just wasted 2 hours of my time today.

  Business Response

  Date: 10/09/2023

  Good Morning:
  
  Please let me know
  the name of the lender that you have your account with.  We have multiple
  lenders and I need this information in order to get your request to the correct
  person.
  
  Thank You!

  Customer Answer

  Date: 10/09/2023

  I don't know who you are.  They took care of it already.  

• Initial Complaint

  Date:09/15/2023

  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 received a loan for 700$ with ********* *******. To this date I have paid back 938.39. I would like this loan to be settled. The interest rate is ridiculously high and a result of predatory lending practices. I would like the remaining balance to be forgiven and I will drop the matter.

  Business Response

  Date: 09/18/2023

  WLCC Lending II 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 Ms. Becker’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 Ms. Becker’s concern regarding the interest on her
  loan being high, please be advised that WLCC Lending II *** ********* ******* 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 **** ***** **********n in South Dakota.
  WLCC Lending *** ********* ******* is fully regulated by,
  and in compliance with, the consumer laws of the ****** ***** ***** law. To
  that end, your 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. 
  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 Ms. Becker before receiving the loan.
  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 decided to accept
  the payments made to date on her loan as settlement in full.  There are no further payments due. 
  Should Ms. Becker have any additional concerns, she may
  contact our office at 1-800-276-2160.
  
  Sincerely,
  Compliance Department
  

  Customer Answer

  Date: 09/19/2023

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 20605689, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  ***** ******

• Initial Complaint

  Date:06/23/2023

  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 payday loan with **** **** *******. To avoid high interest, I always paid the loan off in full on Fridays, which would be the Friday I got paid and due date. They allow you to take another loan on the same day it is paid in full. Everytime, I called there was always problems with reps not knowing the correct processes. I had a rep me tell me Coshocton things causing transactions to go wrong. I would always take another loan in a smaller amount with the goal to do this until I could get the lowest and pay it all off. I made a $498 dollar payment over the phone. I took out a loan for 250. I would not have been able to take the loan of $250 had I not payoff it off. Two days later the $498 was refunded. I was not aware of the refund. When I called the next papyrus with the intent to pay off the 250 I learned that I owed 750. I am really upset bc how does a rep have the ability to teething a payment when such transactions require higher up processing? I feel this was done maliciously. This had cause a hardship as my pay is now lower. My rent had increased and this makes it hard for me too budget. I fell that they should write off the 498 amount bc that was due to a mistake of their own.

  Business Response

  Date: 07/05/2023

  WLCC Lending *** *** ******* ****** ********* 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 Ms. ****** 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 the request that Ms. ******* has regarding her account and that she attempted to pay off the account in full
  to avoid paying extra interest and was unable to do so, we apologize for any
  inconvenience that may have occurred regarding the agents handling of the
  account.
  Regarding the payment being
  returned, unfortunately there was an error in the processing of the payment
  that occurred on the Company’s end that caused the payment to be returned.  In an effort to resolve this issue the
  Company has agreed to accept the payment of $498.04, the amount of the payment
  returned, as repayment of the account. 
  Ms. **** has paid $251.42 of this amount and has two payments remaining
  to complete the agreement.  The remaining
  payments are scheduled for $124.51 on 7/7/23 and $122.11 on 7/21/23.
  Ms. ***** can contact our offices
  a* ************** or via email at ************************ if she has any additional questions.
  
  Sincerely,
  Compliance Department

• Initial Complaint

  Date:06/16/2023

  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 illegally took money from my checking account. I did not authorize nor do I have an account with them. When attempting to call message states they are unavailable and disconnects. I want the funds put back in my account immediately.

  Business Response

  Date: 06/20/2023

  Good Morning:
  
  Please let me know
  the name of the lender that you have your account with.  We have multiple
  lenders and I need this information in order to get your complaint to the correct
  person.
  
  Thank You!

  Customer Answer

  Date: 06/20/2023

  National national loans is who deducted the funds from my account.