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Business Profile

Loans

White Pine Lending

This business is NOT BBB Accredited.

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Complaints

Customer Complaints Summary

  • 20 total complaints in the last 3 years.
  • 4 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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.

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Complaint status

Complaint type

  • Initial Complaint

    Date:03/01/2024

    Type:Service or Repair Issues
    Status:
    Answered
    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.
    White pine lending trying to charge me over ******* dollars! And I don't know why

    Business Response

    Date: 03/06/2024

    Please see attached document.

  • Initial Complaint

    Date:02/15/2024

    Type:Billing Issues
    Status:
    Answered
    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 took my bank account information never contacted me again. I Fear they will take money from account without providing a service.

    Business Response

    Date: 02/24/2024

    Please see attached document.

  • Initial Complaint

    Date:01/10/2024

    Type:Order Issues
    Status:
    Answered
    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 in July and have made payments but cannot continue to pay 221 a week for 20 more weeks, when the loan was only for 900. Please help.

    Business Response

    Date: 01/17/2024

    Please see attached document.

  • Initial Complaint

    Date:01/03/2024

    Type:Order Issues
    Status:
    Answered
    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 recently got a installment loan. When I agreed to payment the 1st payment was supposed to come out today 1/3/2024 in the amount of 170 and change. They took ****** which overdrafts my account. They said it's better to do a payoff. So when the 170 came out, the pay off was ****. Today the payment of 310 came out and it went up to ****. If I kept just making the installment amount I'd end up paying over **** dollars. With those 2 payments I am now over **** that is saying I will owe them. I cannot continue to make payments to get this paid off when the payoff amount and the amount owed keeps going up. Something needs to be done. This is unfair for the borrower and devestating.

    Business Response

    Date: 01/12/2024

    Please see attached document.

  • Initial Complaint

    Date:12/14/2023

    Type:Service or Repair Issues
    Status:
    Answered
    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 got approved for payday loan amount of $300 they told me i would have to pay it back within 3 months am paying double that amount now taking money out my bank account i paid then over $400 please help me

  • Initial Complaint

    Date:12/06/2023

    Type:Service or Repair Issues
    Status:
    Answered
    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.
    In May 2023, I took out a $400 loan from White Pine Lending. I have already paid $1288 which is 3 times the amount of the loan I took out. I still have $715 dollars left to pay or the payoff offer is $439.7 months later and I still owe more than I took out. This is predatory lending. I can't afford this. I have medical issues and I can't buy food. There has to be someone who can help people like me. This needs to be illegal. I'm in jeopardy of losing my vehicle because of a loan that I've already paid three times over. Please help me.

    Business Response

    Date: 12/12/2023

    Please see letter response attached above.

  • Initial Complaint

    Date:09/07/2023

    Type:Service or Repair Issues
    Status:
    Answered
    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.
    They have overdrawn my account

    Business Response

    Date: 09/15/2023

    Response is contained in the attached letter.

  • Initial Complaint

    Date:04/26/2023

    Type:Billing Issues
    Status:
    Answered
    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 has gotten over and charged interest rates 600% times the loan. I have never missed a bc payment have paid out more than the loans still have to pay 2 payments a month for 3 more months.*** called as Ive had family issues and need the money they continuously take out with no avail. **************** is s*** and this is predatory lending at its best.They are predators and will not look to help even if youve done your part.

    Business Response

    Date: 05/12/2023

    We thank you for the opportunity to respond to this complaint. 

    ******** Finance, **** d/b/a/White Pine Lending is a tribal corporation organized and incorporated under the laws and inherent sovereign authority of the ******** Chippewa Community (the Tribe), a federally recognized Indian Tribe. ******** Finance, ****, is a lending entity wholly owned by the Tribe. ******** Finance, ****, engages in consumer lending pursuant to the Tribes consumer lending code. Additionally,******** Finance, ****, as a wholly owned entity of the Tribe, and an arm and instrumentality of the Tribe, is vested with all of the privileged and immunities of the Tribe, including immunity from regulation by any sovereign other than the Tribe. As an arm and instrumentality of a tribal sovereign nation, ******** Finance, ****, is not subject to state regulation. ***************** Constitution affirms the inherent sovereignty and governmental status of Indian nations. See **** Const. Art. 1, 8, cl. 3 (The Congress shall have the power to regulate Commerce with foreign Nations, and among the several States, and with the Indian Tribes.) Indian Tribes have the inherent power [] to regulate their internal and social relations as recognized by ***************** *************. See *********************** ********************, *********************). 

    The customer was provided all information regarding the loan upon her executing the loan paperwork. Out of courtesy to the customer, we are marking this loan paid and full and have removed her from all contact lists. 

  • Initial Complaint

    Date:04/17/2023

    Type:Billing Issues
    Status:
    Answered
    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 January 20, 2023, I entered into a loan agreement with White Pine Lending for $700.00. They have taken payments out of my checking account via ACH. As of April 14, 2023, they have taken out $1,266.66. I owed them $700.00. They are continuing to withdraw under different names and account numbers. They deposited under account number ********** and the name ******************** PINE *****. They are withdrawing under WHITE PINE LEND account number ********** (as attached screenshots will show). Under account ********** I have more than paid back ($1,055.55) and now, as of April 14th, they are taking out under the original name and have take out an additional ($1,266.66). I want this to be considered paid in full and for White Pine Lending to immediately stop withdrawing funds from my checking account and reported as a loan paidin full to my credit report.

    Business Response

    Date: 05/12/2023

    We thank you for the opportunity to respond to this complaint. 

    ******** Finance, **** d/b/a/White Pine Lending is a tribal corporation organized and incorporated under the laws and inherent sovereign authority of the ******** Chippewa Community (the Tribe), a federally recognized Indian Tribe. ******** Finance, ****, is a lending entity wholly owned by the Tribe. ******** Finance, ****, engages in consumer lending pursuant to the Tribes consumer lending code. Additionally,******** Finance, ****, as a wholly owned entity of the Tribe, and an arm and instrumentality of the Tribe, is vested with all of the privileged and immunities of the Tribe, including immunity from regulation by any sovereign other than the Tribe. As an arm and instrumentality of a tribal sovereign nation, ******** Finance, ****, is not subject to state regulation. ***************** Constitution affirms the inherent sovereignty and governmental status of Indian nations. See **** Const. Art. 1, 8, cl. 3 (The Congress shall have the power to regulate Commerce with foreign Nations, and among the several States, and with the Indian Tribes.) Indian Tribes have the inherent power [] to regulate their internal and social relations as recognized by the ************* *************. See *********************** ********************, 436 **** 49, 55 (1987). 

    The customer in question was provided with all requisite materials regarding the facts of her loan at time of signing. At this point out of courtesy to the customer, her account has been marked paid in full as of 4/26/23. 

  • Initial Complaint

    Date:04/14/2023

    Type:Billing Issues
    Status:
    Resolved
    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.
    ID ****** -Hello all I want is to make a payment and I've been on hold since 1pm my time and 3pm there time and they close at 4:30pm central time. I was not able to make payments because my job cut my hours. The balance they want me to do to pay off is ******* for a ****** loan and that is ridiculous but anyway and pymt agreed upon is 50 every two weeks! starting 4/14/23. All I want is to make a payment and I want them to honor the payment plan they agreed to. I'm sure that by me not able to make a payment they'll void the payment plan and or something worse!!! I just need you to help me to get in contact with the company for them not to be able to do that and if you can lower the balance with same payment plan

    Business Response

    Date: 05/24/2023

    White Pine Lending thanks the BBB of ********* for allowing us this opportunity to respond to the customer's complaint. 

    ******** Finance, ***** is a lending entity wholly owned by the Tribe. ******** Finance,***** engages in consumer lending pursuant to the Tribes consumer lending code. Additionally, ******** Finance, ***** as a wholly owned entity of the Tribe, and an arm and instrumentality of the Tribe, is vested with all of the privileged and immunities of the Tribe, including immunity from regulation by any sovereign other than the Tribe. As an arm and instrumentality of a tribal sovereign nation, ******** Finance, ***** is not subject to state regulation.***************** Constitution affirms the inherent sovereignty and governmental status of ****** nations. See **** Const.Art. 1, 8, Cl. 3 (The Congress shall have the power to regulate Commerce with foreign Nations, and among the several States, and with the Indian Tribes.) Indian Tribes have the inherent power [] to regulate their internal and social relations as recognized by ***************** *************. See *********************** ********************, 436 **** 49, 55 (****).

    As a tribal corporation, the operations of ******** Finance, ***** dba White Pine Lending are not subject to the regulatory authority of any state agency. See e.g. Cash **************** ex rel. *******, 242 P.3d **** (Col. 2010); ************** Itasca County, 426 **** 373 (****); ********** v. ******* Band of Mission Indians, 480 **** 202 (****). State regulatory laws are inapplicable to any ****** nation, for the [s]**** regulation would impermissibly infringe on tribal government *******, supra, 480 ****at 222. 

    The customer indicated difficulty in reaching the call center to express her concerns. Multiple messages have been left with this customer with no response from her. At this point White Pine is marking this matter as closed. 

    Thank you for your time. 

     

    Customer Answer

    Date: 05/25/2023

    [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

    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. 

    Regards,

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

White Pine Lending is NOT a BBB Accredited Business.

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