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:05/19/2023
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 took out a loan with ****** ******* due to being behind on payments on a past due car loan payment, I had every intention of paying off the loan but I was terminated from multiple jobs along with no financial assistance, no unemployment benefits, I was evicted from my home along with having my vehicle repossessed and living on the streets, shelters or in vacant properties. I barely have $* dollars in my account or pocket. I am estranged from my family and friends so I have NO help there. I was medically forced to take a leave of absence *** ** ******* ****** ****** ****** *** * ********* ******* ******** ***** due to my current financial circumstances ***** **** * *** **** ************ ***** * *** ****** ***** *** ***** *****. I am asking that the debt be forgiven and I told the representatives MULTIPLE TIMES that I have no income to pay this debt or my other debts along with expenses. The representative kept BADGERING into paying a small portion when I do not even have bus or rideshare money to get around for job interviews. I want this debt forgiven plus $**** for the FDCPA Violation and my money that I paid towards this loan back.
Customer Answer
Date: 05/19/2023
Hello Nicki,
I have provided additional documentation making them aware of the situation. I will email the other two to you as I am not able to compress them as I am not by a computer as I am running errands, etc. Thank you and addition to those harassing email and phone calls monthly I am requesting $**** for the FDCPA Violation and additional $**** for financial and mental distress in which I will file a lawsuit if I do not receive the money along with debt forgiveness. thank you for your understanding and assistance with this matter.
Best,
Adam ******
Business Response
Date: 05/30/2023
Sorry for the delay the person for ****** ******* has been off on vacation. I hope to get our response to you by the end of the week.

thank you!
Customer Answer
Date: 05/30/2023

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. I am hoping this debt is forgiven in full and $**** is awarded to me in damages for violating the FDCPA Law.

Sincerely,

Adam ******
Initial Complaint
Date:05/11/2023
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 borrowed $*** and with interest I would pay $*** and if I was late a late fee. I have been in contact with this company throughout the process and now they are telling me I owe them $**** on a $*** loan. * ********** ***** **** ******* *** ****** **** ********** ***** ****** ******** ********* *** ************* ******** ******** This is going to force me to look into options of bankruptcy. They are giving misinformation to individuals on the phone and which they say are recorded *** ***** *** ****** ** ********** ***** **** ****** **********. How are they able to operate in the US still?
Customer Answer
Date: 05/22/2023
**** *** **** ******* ******* I spoke to them again and after them telling me I should file a complaint I told them I did and then they decided to negotiate a little bit but the amount the negotiate is far above what I borrowed and this company should be shut down for borderline unethical business practices.
Business Response
Date: 05/23/2023
WLCC Lending FLG (Company) has
completed its review of Christopher ******* 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. ******* concerns. Be advised that 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.
This regards the concerns that Mr.
***** was in contact with the Company throughout the process and now they are
telling him he owe them $**** on a $*** loan. After researching Mr. ****** concerns, he took
out a loan last year and has not made a single payment to date. He made an arrangement to make payments in
May of this year and still has not done so.
The Company has stopped all
automatic payments. The remaining
balance on the account is still due. Mr. ******* will need to contact us at ******************,
or via email at ************************************ to further discuss the account.

Sincerely,
Compliance Department
hy here...
Customer Answer
Date: 05/23/2023

Complaint: ********

I am rejecting this response because: they literally just copied and pasted what I wrote and did not offer much information than what I have already done. They didn’t address the fact they are predatory lending. A loan that was $*** jumping to $**** in any capacity or lending is predatory especially if those outrageous rates are not being told in bold print “You will be paying triple of what you owe if you are late” me being late and jumping from $*** to $**** is ludicrous. When I did call them they actually encouraged me to submit a complaint since they weren’t gonna help me and still make me pay a large amount more than owed and more than I could afford ***** * ** ********. They are ********* and need to be shut down instantly

Sincerely,

Christopher *****
Business Response
Date: 05/24/2023
We are in receipt of a complaint filed by Christopher ***** against
our Company, WLCC Lending FLG outlining Mr. ******* concerns. The Company takes these types of inquiries
very seriously and appreciates the opportunity to respond. Nothing in this communication should be
construed as a waiver of the Tribe’s or the Company’s sovereign immunity, all
of which are expressly preserved.
Our records show that Mr ***** was approved for a loan Last
year for $*** at which time he was provided with a copy of his Loan
Agreement. The Loan Agreement provided
his Truth in Lending Disclosures, the Terms and Conditions of her loan along
with a re-payment schedule.
To date, Mr. ***** has not paid anything to his account. In addition, Mr ***** arranged to make
payments in May of this year and still has not paid.
EWLCC Lend FLG 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 WLCC Lending FLG is at ** ******** **** **** ******** ***** ***** ****** ***** on the Tribe’s Reservation. In addition, WLCC Lending FLG 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 before receiving the loan.
We suggest Mr. ***** contact our
customer service number ******************, or via email at ************************************ to further try to settle his account.
Customer Answer
Date: 05/24/2023

Complaint: ********

I am rejecting this response because: they literally replied twice now with the same response. At this point this process is useless.

Sincerely,

Christopher *****
Customer Answer
Date: 05/25/2023
They reached out and told me they will not work with me any longer with negotiating and I can only assume they are doing that now because I submitted a complaint against them with BBB. This company is completely ********* and BBB should review their status. Here is what they sent proving a $*** loan has jumped up to **** and are refusing to be reasonable after unethical business practices with their astronomical late fees that are not explained thoroughly or in many cases at all * **** **** **** ****** *** **** ******. Here is what they sent me
Hello,
Your payment plan is as follows:
Please note that when we will process the payment, your bank may send you message to authorise this as this will be an international transaction.
The name of the processors can be FIRST DAY LOANS or NCR FINANCIALS.

Payments entered
Source: New Payment Plan
Total of Payments: $******
Current Balance: *******
Accounts: ******
2 Monthly Payments
Credit Card - PreAuthorized

$*** on 5/25/2023
$*** on 6/22/2023

Sincerely,

WLCC Lending FDL d/b/a FirstDayLoan.com
Collections
TF#: ****** ********
Email: ****************************
Initial Complaint
Date:04/28/2023
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 took out a payday loan from "Dakota Funding Group", in the amount of $***.
In **********, if it's called a "payday loan" (which this was), the maximum loan amount is $***, and requires paying back $***
"payday loan" was the search term that brought up "Dakota Funding" in my browser.

I thought it was strange when my payment was only $*****
But the amount of $***** kept happening, again and again and again. Every 2 weeks.

After it happened 6 times and I had repaid over $***, I had to pay my bank to block further payments.

And the calls keep coming thru asking for more (but I work nights, so ringer is always off during daytime).

And AFTER re-paying over $***, for a $*** loan, they still want $***+
I can understand wanting to make a profit, but considerable profit has been made.
Business Response
Date: 05/01/2023
Dakota Funding Group (Company)
has completed its review of James ******** 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 James ******** 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 an effort to satisfy James
******** request, we are willing to accept what he has already paid on his
account and consider his account paid in full.

Sincerely,
Compliance Department
Customer Answer
Date: 05/02/2023

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,

James *******
Initial Complaint
Date:04/11/2023
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.
On 11/25 I took out a $*** loan from ******* ******* ******. To date I have Paid ******* with a remaining balance of $*******. I am requesting that ******* ******* discontinue taking money from and provide some sort of refund on this account
Business Response
Date: 04/11/2023
We are no longer affiliated with ******* ******* ******.
Customer Answer
Date: 04/12/2023

Complaint: ********

I am rejecting this response because:
the information I provided Is the information on the original loan agreement. The said company still withdraws money from my account as that entity

Sincerely,

Wendy *******
Initial Complaint
Date:03/29/2023
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.
Hello, I have recently took out a loan with Taft Howard Group. I recently discovered that they are not licensed in my state. I know they say they have sovereign immunity, I do believe they need to follow interst rate guidelines. It is also frustrating that I can barely pay off my loan as my payment seems to only go towards interest and not to paying off the principal. This makes it impossible to pay off. I am also unable to make future payments due to the amount I'll be paying every two weeks. I would like Taft Howard Group to consider my loan paid in full based on overcharged interest I paid on previous loans.
Business Response
Date: 04/10/2023
We are in receipt of a complaint
filed on or about Billing Issues to our Company, WLCC Lending GVF dba Taft Howard Group outlining Jesus
********** concerns. The Company takes these
types of inquiries very seriously and appreciates the opportunity to
respond. Nothing in this communication
should be construed as a waiver of the Tribe’s or the Company’s sovereign
immunity, all of which are expressly preserved.
Our records show that Jesus
******** was approved for a loan in 03/16/2023 for $******* at which time he
was provided with a copy of his Loan Agreement.
Taft Howard Group’s Loan Agreement provided his Truth in Lending
Disclosures, the Terms and Conditions of his loan along with a re-payment
schedule.
To date, Jesus ******** has paid
a total of 1 payment totaling $****** toward his loan commitment. In addition, he emailed on 3/21/2023
requesting an extension, which he was informed it was not granted, due to the
fact that it was his first payment on this current loan.
WLCC Lending GVF dba Taft Howard 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 Taft Howard Group is at ** ******** **** **** ******** ***** ***** ****** ***** on the Tribe’s Reservation. In addition, Taft Howard 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 before receiving the loan.
In an effort to resolve Jesus
******** concerns, Taft
Howard Group will consider his loan as paid in full. There are no further payments due.
We hope this satisfies Jesus
********** concerns; we will consider this matter closed.

Sincerely,
Compliance Department
Customer Answer
Date: 04/10/2023

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,

Jesus ********
Initial Complaint
Date:02/27/2023
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 Fair Trust Group (AKA WLCC Lending FFG, d/b/a Fair Trust Group) in January 2023. Since then, I have made two on-time payments of $****** each, so I'm $****** away from repaying the principal. I checked my loan balance last week, and it says I still owe $*******! That is ******% interest, which is not only completely illegal in my state (where interest rates on loans can't exceed **%), but payday loans are also illegal in my state. This company claims they're run by a sovereign nation, but they're doing business in *******, peddling illegal loans with interest rates over TWENTY ONE TIMES the legal rate. They're preying upon people with nowhere else to go to obtain loans and keeping them in a cycle of debt. Because this is a completely illegal loan, I'm willing to pay the company the remaining principal to settle the initial loan amount but not a penny more. I can't afford any more of these insanely high payments on this illegal loan, and continuing to make these payments would force me to choose between buying groceries for my family or paying this ********** *********, ******** company. Avoid them at all costs!
Business Response
Date: 04/03/2023
Dear April ******,
We were forwarded a BBB complaint you made
regarding your loan. The terms and conditions of your loan are within your
consumer loan agreement. Please note that your loan is governed by applicable
tribal and federal law. State law does not apply to your loan. This is stated
on our website and all loan documents.
The loan agreement you reviewed and signed with us clearly outlines the
annual percentage rate, finance charge, amount financed, and total payments
along with the terms and conditions of your loan. In addition, your signed loan
agreement contains a penalty free two-day cancellation period from disbursement
date in the event you changed your mind about the loan.
As a matter of goodwill however, we are willing to
accept a $*** payment to deem your account closed. You will no longer be
eligible for future loans with us.
Please contact us at **************, or email us
back to make the payment arrangement.
Initial Complaint
Date:02/27/2023
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 took out a $*** loan with this company in January 2023. Since then, I have made two on-time payments of $*** each so I'm only $*** away from repaying the principal. I checked my loan balance last week, and it says I still owe $*******! That is ******% interest, which is not only completely illegal in my state (where interest rates on loans can't exceed **%), but payday loans are also illegal in my state. This company claims they're a sovereign nation, but they're doing business in *******, peddling illegal loans with interest rates over ****** *** TIMES the legal rate. They're preying upon people with nowhere else to go to obtain loans and keeping them in a cycle of debt. Because this is a completely illegal loan, I'm willing to pay the company another $*** to settle the initial loan amount but not a penny more. I can't afford any more of these insanely high payments on this illegal loan, and continuing to make these payments would force me to choose between buying groceries for my family or paying this *********, *********, ******** company. Avoid them at all costs!
Business Response
Date: 03/02/2023
Ms. ****** can you please provide us with your last four digits of your ssn. We are having a difficult time finding your account with the information you provided on the compliant.

Thank You!
Business Response
Date: 03/14/2023
Dear April ******,
We were forwarded a BBB complaint you made
regarding your loan. The terms and conditions of your loan are within your
consumer loan agreement. Please note that your loan is governed by applicable
tribal and federal law. State law does not apply to your loan. This is stated
on our website and all loan documents.
The loan agreement you reviewed and signed with us clearly outlines the
annual percentage rate, finance charge, amount financed, and total payments
along with the terms and conditions of your loan. In addition, your signed loan
agreement contains a penalty free two-day cancellation period from disbursement
date in the event you changed your mind about the loan.
As a matter of goodwill however, we are willing to
accept a $*** payment to deem your account closed. You will no longer be
eligible for future loans with us.
Please contact us at **************, or email us
back to make the payment arrangement.
Customer Answer
Date: 03/17/2023

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,

April ******
Initial Complaint
Date:02/27/2023
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.
WLCC Lending *** *** ******* ****** is illegally charging me ***% interest on a loan. They are submitting some electronic request to my bank for payment for amounts not agreed to, and without consent. They have no contract, no signature, and I have asked both them and my bank to discontinue this fraudulent activity, but they refuse. I cannot reach a human being on the phone, and they do not reply to my emails.
Business Response
Date: 03/01/2023
WLCC Lending *** *** ******* ****** (Company) has completed its review of Rachel ********* 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 concerns that Ms. ******* had regarding the
interest rate of the loan that was received, the APR of the loan was stated in
the application that was reviewed prior to signing and receiving the loan. Included with that application was the
authorization to process the payments automatically in accordance with the
payments stated on the loan agreement.
Ms. ******* is stating that the loan was a result of
fraudulent activity. The Company has
investigated the allegation of fraud and have determined that the account is
not fraud. The account the funds were
deposited into is an exact match to the account the payments are being
withdrawn from. With respect to stopping
the automatic payments, the Company has stopped the automatic payments from
processing from the point going forward, however the remaining balance of the
account is still due.
Should Ms. ******* have any additional questions he may
contact us at ************************* or via
telephone at **************, including making arrangements to repay the outstanding
balance.

Sincerely,
Compliance Department
Customer Answer
Date: 03/01/2023

Complaint: ********

I am rejecting this response because: the APR is illegal in my state. The cannot legally charge me these fees.

Sincerely,

Rachel *******
Business Response
Date: 03/08/2023
WLCC Lending *** *** ******* ****** (Company) has completed its review of Rachel ********* 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.
In regard to Ms. ********* concerns regarding the interest
on his loan and the maximum interest for the State of ********, please be
advised that WLCC 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.
WLCC Lending *** *** ******* ****** is fully regulated by,
and in compliance with, the consumer laws of the Oglala Sioux Tribe law. To
that end, Ms. ********* 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 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 her 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.
Should Ms. ******* have any additional questions he may
contact us at ************************* or via
telephone at **************, including making arrangements to repay the
outstanding balance.

Sincerely,
Compliance Department
Initial Complaint
Date:01/12/2023
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.
The Wakpamni Lake Community of the Oglala Sioux Tribe - Tribal Lender Not Licensed in ********** State
Date Posted:
Thursday, March 21, 2019
Alert Number: *************************
Date Updated: 03/21/2019
Date Posted: 01/11/2016
The Wakpamni Lake Community of the Oglala Sioux Tribe dba Wakpamni Lake Community Corporation

************************************************************************************************************************* Wakpamni Lake Community of the Oglala Sioux Tribe, dba Wakpamni Lake Community Corporation, may be operating several subsidiaries as online tribal lenders not licensed in ********** State, under the following business names:
*******************
First Day Loan
**************
Check Advance USA
Good Loans Fast
These businesses claim to be a subsidiary of the Wakpamni Lake Community Corporation, operated by the Oglala Sioux Tribe (formerly the Oglala Sioux Tribe of the Pine Ridge Reservation), a federally recognized Indian Tribe located in South Dakota.
Wakpamni Lake Community Corporation and their subsidiaries are not licensed by DFI and are not registered to conduct business in ********** State by the Department of Licensing, Department of Revenue, or the Secretary of State.
The above information was taken directly from the ** State Department of Financial Institutions website.

Charging %*** interest is horrible, just because they are a tribe does not make it legal, especially without any licensing. This is a real life scam.

So, per the website:
*****************************************************************************************************************************************************
I am not required to pay interest, fees, or anything to this company, yet I have paid and been charged nearly $******** in fees and interest. I am demanding a refund of said fees and interest immediately.
Business Response
Date: 02/10/2023
Business Response /* (1000, 5, 2023/01/13) */
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 investigate this further.
Initial Complaint
Date:11/14/2022
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 recived a loan in the amount of $**** from fast day loans. I have emailed them 3 times about why my balance does not go under $***. I have paid them every week since August in the amount of $***. Even though they say they have sovereign immunity in the state of ** the cap on interest is **% I have asked that they consider my loan amount paid in full for the last 3 weeks.The original loan amount was $**** they have received double that amount in payments
Business Response
Date: 12/26/2022
Business Response /* (1000, 5, 2022/11/16) */
Thank you for providing us with the opportunity to address this customer's concerns. Ms. *** requested and was funded a $***** loan by Fast Day Loans in good faith of the representations made by the consumer on her loan application. The terms and conditions as well as the repayment schedule was available for Ms. ***** review at the time of loan origination. To date, Ms. *** has made a partial repayment of her loan based on the loan terms. Still, in an effort to provide superb customer service and as a one-time courtesy, we have accepted all amounts paid to date in satisfaction of the loan. Unfortunately, Ms. *** will be ineligible for future Fast Day Loans.

Consumer Response /* (2000, 7, 2022/11/16) */
(The consumer indicated he/she ACCEPTED the response from the business.)

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