Complaints

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:04/04/2024

  Type:Sales and Advertising 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 was interested in information about a small loan and costs. THAT IS ALL. I noticed money in my account and looked further at small print that I had to contact THEM to NOT receive money?!. Its an astronomical interest rate for a $600 (never would have agreed to such a preposterous thing!). I would be willing to pay the $600 (that even seems really wrong). ***************** that is scamming people in a criminal fashion and uses tribal law to escape prosecution.

  Business Response

  Date: 04/15/2024

  Please see the attached response. 

• Initial Complaint

  Date:03/03/2023

  Type:Product 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 never signed an agreement to receive this loan. Funds were deposited into my account, without consent. I received emails from this company requesting that I sign an agreement, and I did not. I didn't want this loan. They said I requested $600 and provided a contract that I never signed or agreed to.

  Business Response

  Date: 03/07/2023

  Please see attached letter. 

  VIA ELECTRONIC MAIL
  *************************
  Better Business Bureau of *********
  *******************************************************
  Re: Complaint #********
  Dear *************************:
  This responds to Complaint # [#] related to Midaawsi, LLC d/b/a National Small Loan (the
  Company), which is owned by the *** du ******** Band of Lake Superior Chippewa Indians
  (Tribe). The Company takes these types of inquiries very seriously and would like to provide
  you with the below information. The Company believes open and full dialogue on the issue is best
  practice. That said, nothing in this communication should be construed as a waiver of the Tribes
  or the Companys sovereign immunity, all of which are expressly preserved.
  The Company is a wholly-owned and operated subsidiary of LDF Holdings, LLC (LDF
  Holdings). LDF Holdings is a wholly-owned and operated subsidiary of the *************************************** (LDF ********************************** which is a wholly-owned
  and operated economic arm and instrumentality of the Tribe. The Tribe is a federally recognized
  Indian tribe, organized under a Constitution pursuant to the Indian Reorganization Act of ****, 48
  Stat. 984, 25 U.S.C. 476, et seq., as amended, and is identified on ***************** Department
  of Interiors list of federally acknowledged Indian Tribes. 81 Fed. Reg. ****** (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. *******************
  Econ. **** ****** 677 F. Supp. 2d ****, **** (W.D. Wis. 2010) (holding that entities acting as
  arms of a tribe are entitled to tribal sovereign immunity).
  The borrower complains that they were improperly issued a loan with the Company. As a
  precautionary measure, the Company has since ceased all collection activity on the borrowers
  account and is conducting an investigation related to the borrowers concerns. The Company has
  contacted the borrower to inform them of this, assure that their concerns are being investigated,
  and provide a phone number and email address which they can contact for further information.
  Once the Company completes its investigation, it will reach out personally to the borrower to
  resolve any outstanding issues.
  We would be happy to discuss these issues further on a government-to-government basis,
  but, again, please be advised that nothing in this communication should be construed as a waiver
  of the Tribes or the Companys sovereign immunity, all of which are expressly preserved. Please
  direct any future communications through our legal counsel: ***************************** at ******************************************, ***************************************************, ************, *********************************************************

• Initial Complaint

  Date:03/01/2023

  Type:Order 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 was looking for a small personal loan. I was contacted many times via phone call, text message, etc. I blocked them because I wasn't interested in what they had to say. The next day money appears in my account from them. I never signed any kind of loan agreement, never even spoke with anyone. I will repay the money they deposited but on my terms, not on their terms. I am now receiving constant voicemails and emails (since I blocked them from my phone, I don't even know they have called) with ridiculous threats. I just don't want them to contact me any longer.

  Business Response

  Date: 03/07/2023

  Please see attached letter

  This responds to the above-referenced complaint. This inquiry related to a loan from
  Midaaswi, LLC dba National Small Loan (the Company), which is owned by the Lac du
  Flambeau Band of Lake Superior Chippewa Indians (Tribe). The Company takes these types of
  inquiries very seriously and would like to provide you with the below information. Nothing in this
  communication should be construed as a waiver of the Tribes or the Companys sovereign
  immunity, all of which are expressly preserved.
  The Company is a wholly owned and operated subsidiary of LDF Holdings, LLC (LDF
  Holdings). LDF Holdings is a wholly owned and operated subsidiary of the ******************************************* which is a wholly owned and operated economic arm and
  instrumentality of the Tribe. The Tribe is a federally recognized Indian tribe, organized under a
  Constitution pursuant to the Indian Reorganization Act of ****, 48 *************************, et
  seq., as amended, and is identified on ***************** ********** of ********* list of federally
  acknowledged Indian Tribes. ************** (July 23, 2018). 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. ******************* Econ. **** ****** 677 F. Supp.
  2d ****, **** (W.D. ***. 2010) (holding that entities acting as arms of a tribe are entitled to tribal
  sovereign immunity).
  The Company issues loans in accordance with the Tribes *************************
  Services Regulatory Code and it is licensed under Tribal law. The customers loan agreement
  provided that it would be governed by the laws of the Tribe, without regard to the laws of any
  state. The interest and fees applicable to the loan are permitted by Tribal law. They were
  accurately and clearly reflected in the loan agreement that the customer signed before receiving
  the loan. The customer also received a TILA disclosure that outlined the amount and date of each
  payment required under the loan agreement. Due to its immunity, the loan is not subject to state
  law and the Company is not required to be licensed with any state. The customers loan is legal.
  Although not required to do so, as a courtesy, the Company will reach out to the customer
  with an offer to resolve their loan.
  The customer can call the Company at ************** if there are further questions or
  concerns.
  
  DocuSign Envelope ID: ************************************
  
  Midaaswi, LLC dba National Small Loan
  Po Box 632
  ***************, ** 54538
  
  LDF Holdings, LLC
  Po Box 231
  ***************, ** 54538
  
  The Company trusts that the complainant will find this letter of explanation satisfactory.
  However, if the complainant is not satisfied with the Companys resolution of this matter, pursuant
  to Section 10 of the ************************* Services Regulatory Ordinance, which can be
  
  found at *******************************************************************************
  Financial-Services-Reulatory-Ordinance.pdf, he/she may pursue formal dispute resolution with
  
  the ************************* Services Regulatory Authority ************ To do so, he/she
  must send a written request to the Authority at *************************************************************** 54538.
  The request must contain the information required by Section 10 of the *************************
  Services Regulatory Ordinance.

• Initial Complaint

  Date:02/21/2023

  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 noticed a few days ago that a National Small Loan had withdrawn $94.85 directly from my checking account three times. Then on 2/14/2023, I received an email from that for an upcoming payment of $94.85 on 2/16/2023. I immediately contacted National Small Loan for more information since I did not remember ever applying for a loan with them. They told me that I had sourced the loan with them and it was given to me on 12/19/2022. Thereafter, I asked them to send me the documentation that I did source this loan, and that once I receive the documentation, I will pay off the entire loan immediately. You can see that from the attached documentation that National Small Loan has been giving me the run around since.All I want from National Small Loan is documentation that I am the one who took out this loan and I will pay them the entire amount of the loan immediately.

  Business Response

  Date: 02/22/2023

  Please see attached response. 

  Customer Answer

  Date: 02/23/2023

  [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,
  
  ****************
  

• Initial Complaint

  Date:02/17/2023

  Type:Billing Issues
  Status:

  UnresolvedMore 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 text message on 12/20/22 stating that I have been approved for a $600 loan and that the funds are available in my account. So I checked my account and the funds were there. The only communication I received thereafter was an email reminder for an automatic payment of $175.91 every 2 weeks. I NEVER signed anything or received any communication about a payment schedule. So today 2/17/23 I decided to log on to an account to check the balance since I would have made 4 payments as of today. To my surprise, the payment schedule was set up for the duration of 8 months ( over $2000 worth of payments). I would have NEVER agreed to sign up for such a loan. This company is a scam because they never had me sign anything that would agree with such a costly loan for $600. Where is the application? My information received fraudulently.

  Business Response

  Date: 02/22/2023

  Please see attached response

  This responds to Complaint #******** related to Midaawsi, LLC d/b/a National Small Loan (the Company), which is owned by the *** du ******** Band of Lake Superior Chippewa Indians (Tribe). The Company takes these types of inquiries very seriously and would like to provide you with the below information. The Company believes open and full dialogue on the issue is best practice. That said, nothing in this communication should be construed as a waiver of the Tribes or the Companys sovereign immunity, all of which are expressly preserved.The Company is a wholly-owned and operated subsidiary of LDF Holdings, LLC (LDF Holdings). LDF Holdings is a wholly-owned and operated subsidiary of the ************************************ (************************************), which is a wholly-owned and operated economic arm and instrumentality of the Tribe. The Tribe is a federally recognized Indian tribe, organized under a Constitution pursuant to the Indian Reorganization Act of ****, 48 Stat. 984, 25 U.S.C. 476, et seq., as amended, and is identified on ***************** ********** of ********* list of federally acknowledged Indian Tribes. 81 Fed. Reg. ****** (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. ******************* Econ. **** ****** 677 F. Supp. 2d ****, **** (W.D. Wis. 2010) (holding that entities acting as arms of a tribe are entitled to tribal sovereign immunity).The borrower complains that they were improperly issued a loan with the Company. As a precautionary measure, the Company has since ceased all collection activity on the borrowers account and is conducting an investigation related to the borrowers concerns. The Company has contacted the borrower to inform them of this, assure that their concerns are being investigated,and provide a phone number and email address which they can contact for further information.Once the Company completes its investigation, it will reach out personally to the borrower to resolve any outstanding issues.We would be happy to discuss these issues further on a government-to-government basis,but, again, please be advised that nothing in this communication should be construed as a waiver of the Tribes or the Companys sovereign immunity, all of which are expressly preserved. Please direct any future communications through our legal counsel: ***************************** at ***************************************, ***************************************************, ************, ********************************************************* 

  Customer Answer

  Date: 02/27/2023

  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

   

  First of all, the entire (next to last paragraph) is entirely false. No one has contacted me with the information stated. Efforts to collect have not ceased. I just received a text message this morning. 

  Secondly, communication is not easy. I am told all reps are busy. There is no way for me to continue to hold once the phone is answered, so I have to hang up and re dial. I do not TRUST them to return the call at this point.

   

  No one has contacted me except to tell me to send another detailed email to inform of the issue and include my DOB and phone number. 

   

   

  Business Response

  Date: 03/07/2023

  Please see attached letter

  Customer Answer

  Date: 03/07/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  No one from National Small Loan has contacted me at all. So that portion of the response is a LIE! 

  The company is still sending me text to collect payment; see attachment. So that portion of the response letter is also a LIE!

  The "investigation" of my complaint should have been completed by now, but I wouldn't know because NO ONE has contacted me and it is difficult to get a rep on the line. Someone needs to call me.

  No resolution. No settlement. 
  
  Regards,
  
  *******************************

• Initial Complaint

  Date:02/05/2023

  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 requested a loan from this company,and once I gave the information they requested the loan,was less than I hoped for and the repayment and interest was more than I was able to repay so I asked to cancel the request.and they later deposited $600 into my account and a month later started to take $382.40 from my account a total of 3x already with a upcoming amount of same to be taken out of my checking acct if which I don't have,I am currently in a homeless situation with no permanent address and I am disabled,dealing with domestic violence issue,of which landed me in the hospital for 1 1/2 months and the lost of my home. I am on disability,and no where to live .

  Business Response

  Date: 02/09/2023

  This responds to Complaint #******** related to Midaawsi, LLC d/b/a National Small
  Loan (the Company), which is owned by the *** du ******** Band of Lake Superior Chippewa
  Indians (Tribe). The Company takes these types of inquiries very seriously and would like to
  provide you with the below information. The Company believes open and full dialogue on the
  issue is best practice. That said, nothing in this communication should be construed as a waiver
  of the Tribes or the Companys sovereign immunity, all of which are expressly preserved.
  The Company is a wholly-owned and operated subsidiary of LDF Holdings, LLC (LDF
  Holdings). LDF Holdings is a wholly-owned and operated subsidiary of the *************************************** (LDF ********************************** which is a wholly-owned
  and operated economic arm and instrumentality of the Tribe. The Tribe is a federally recognized
  Indian tribe, organized under a Constitution pursuant to the Indian Reorganization Act of ****, 48
  Stat. 984, 25 U.S.C. 476, et seq., as amended, and is identified on ***************** Department
  of Interiors list of federally acknowledged Indian Tribes. 81 Fed. Reg. ****** (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. *******************
  Econ. **** ****** 677 F. Supp. 2d ****, **** (W.D. ***. 2010) (holding that entities acting as
  arms of a tribe are entitled to tribal sovereign immunity).
  The borrower complains that they were improperly issued a loan with the Company. As a
  precautionary measure, the Company has since ceased all collection activity on the borrowers
  account and is conducting an investigation related to the borrowers concerns. The Company has
  contacted the borrower to inform them of this, assure that their concerns are being investigated,
  and provide a phone number and email address which they can contact for further information.
  Once the Company completes its investigation, it will reach out personally to the borrower to
  resolve any outstanding issues.
  We would be happy to discuss these issues further on a government-to-government basis,
  but, again, please be advised that nothing in this communication should be construed as a waiver
  of the Tribes or the Companys sovereign immunity, all of which are expressly preserved. Please
  direct any future communications through our legal counsel: ***************************** at ******************************************, ***************************************************, ************, *********************************************************
  
  DocuSign Envelope ID: ************************************
  
  Midaaswi, LLC dba National Small Loan
  Po Box 632
  ***************, ** 54538
  
  LDF Holdings, LLC
  Po Box 231
  ***************, ** 54538
  
  ` Kindest Regards,
  
  ________________________________
  ***********************
  Compliance Manager
  Midaaswi, LLC

• Initial Complaint

  Date:02/04/2023

  Type:Order 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 December 12, this company deposited $500 into my checking account. I didn't think too much about it at the time because I borrowed money from another company online. I did not sign any contracts with this company.I have paid back 4 payments of $146.59 equalling to $586.36.I went online and it says that I have 12 more payments.

  Business Response

  Date: 02/09/2023

  This responds to Complaint #******** related to Midaawsi, LLC d/b/a National Small
  Loan (the Company), which is owned by the *** du ******** Band of Lake Superior Chippewa
  Indians (Tribe). The Company takes these types of inquiries very seriously and would like to
  provide you with the below information. The Company believes open and full dialogue on the
  issue is best practice. That said, nothing in this communication should be construed as a waiver
  of the Tribes or the Companys sovereign immunity, all of which are expressly preserved.
  The Company is a wholly-owned and operated subsidiary of LDF Holdings, LLC (LDF
  Holdings). LDF Holdings is a wholly-owned and operated subsidiary of the *************************************** (LDF ********************************** which is a wholly-owned
  and operated economic arm and instrumentality of the Tribe. The Tribe is a federally recognized
  Indian tribe, organized under a Constitution pursuant to the Indian Reorganization Act of ****, 48
  Stat. 984, 25 U.S.C. 476, et seq., as amended, and is identified on ***************** Department
  of Interiors list of federally acknowledged Indian Tribes. 81 Fed. Reg. ****** (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. *******************
  Econ. **** ****** 677 F. Supp. 2d ****, **** (W.D. ***. 2010) (holding that entities acting as
  arms of a tribe are entitled to tribal sovereign immunity).
  The borrower complains that they were improperly issued a loan with the Company. As a
  precautionary measure, the Company has since ceased all collection activity on the borrowers
  account and is conducting an investigation related to the borrowers concerns. The Company has
  contacted the borrower to inform them of this, assure that their concerns are being investigated,
  and provide a phone number and email address which they can contact for further information.
  Once the Company completes its investigation, it will reach out personally to the borrower to
  resolve any outstanding issues.
  We would be happy to discuss these issues further on a government-to-government basis,
  but, again, please be advised that nothing in this communication should be construed as a waiver
  of the Tribes or the Companys sovereign immunity, all of which are expressly preserved. Please
  direct any future communications through our legal counsel: ***************************** at ******************************************, ***************************************************, ************, *********************************************************
  
  DocuSign Envelope ID: ************************************
  
  Midaaswi, LLC dba National Small Loan
  Po Box 632
  ***************, ** 54538
  
  LDF Holdings, LLC
  Po Box 231
  ***************, ** 54538
  
  ` Kindest Regards,
  
  ________________________________
  ***********************
  Compliance Manager
  Midaaswi, LLC dba National Small Loan

• Initial Complaint

  Date:02/02/2023

  Type:Product 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 didnt apply for a loan with them or anyone for over 10 years. They deposited money into my account $600 on 1/10/23 (sketchy; not sure how they got my information).They withdrew $189.71 on 1/30/23 from same account.Tried calling. No response. Emailed them. Waiting to hear back.This is very sketchy and i see on this site multiple complaints of the same issue.

  Business Response

  Date: 02/09/2023

  This responds to Complaint #******** related to Midaawsi, LLC d/b/a National Small
  Loan (the Company), which is owned by the *** du ******** Band of Lake Superior Chippewa
  Indians (Tribe). The Company takes these types of inquiries very seriously and would like to
  provide you with the below information. The Company believes open and full dialogue on the
  issue is best practice. That said, nothing in this communication should be construed as a waiver
  of the Tribes or the Companys sovereign immunity, all of which are expressly preserved.
  The Company is a wholly-owned and operated subsidiary of LDF Holdings, LLC (LDF
  Holdings). LDF Holdings is a wholly-owned and operated subsidiary of the *************************************** (LDF ********************************** which is a wholly-owned
  and operated economic arm and instrumentality of the Tribe. The Tribe is a federally recognized
  Indian tribe, organized under a Constitution pursuant to the Indian Reorganization Act of ****, 48
  Stat. 984, 25 U.S.C. 476, et seq., as amended, and is identified on ***************** Department
  of Interiors list of federally acknowledged Indian Tribes. 81 Fed. Reg. ****** (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. *******************
  Econ. **** ****** 677 F. Supp. 2d ****, **** (W.D. ***. 2010) (holding that entities acting as
  arms of a tribe are entitled to tribal sovereign immunity).
  The borrower complains that they were improperly issued a loan with the Company. As a
  precautionary measure, the Company has since ceased all collection activity on the borrowers
  account and is conducting an investigation related to the borrowers concerns. The Company has
  contacted the borrower to inform them of this, assure that their concerns are being investigated,
  and provide a phone number and email address which they can contact for further information.
  Once the Company completes its investigation, it will reach out personally to the borrower to
  resolve any outstanding issues.
  We would be happy to discuss these issues further on a government-to-government basis,
  but, again, please be advised that nothing in this communication should be construed as a waiver
  of the Tribes or the Companys sovereign immunity, all of which are expressly preserved. Please
  direct any future communications through our legal counsel: ***************************** at ******************************************, ***************************************************, ************, *********************************************************
  
  DocuSign Envelope ID: ************************************
  
  Midaaswi, LLC dba National Small Loan
  Po Box 632
  ***************, ** 54538
  
  LDF Holdings, LLC
  Po Box 231
  ***************, ** 54538
  
  ` Kindest Regards,
  
  ________________________________
  ***********************
  Compliance Manager
  Midaaswi, LLC dba National Small Loan
  
  DocuSign Envelope ID: ************************************

• Initial Complaint

  Date:02/02/2023

  Type:Sales and Advertising 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 received money in my account from them but did not agree to a loan. I have made several attempts to reach them by phone and email. One email says they would pull their money back. But they have failed to do so and I feel like they are dragging a loan out that I didnt want or approve. When I talk to them on the phone, the lady says she is an answering service only and can t reach them by phone. Email only. I believe this is a scam service.

  Business Response

  Date: 02/09/2023

  This responds to Complaint #******** related to Midaawsi, LLC d/b/a National Small
  Loan (the Company), which is owned by the *** du ******** Band of Lake Superior Chippewa
  Indians (Tribe). The Company takes these types of inquiries very seriously and would like to
  provide you with the below information. The Company believes open and full dialogue on the
  issue is best practice. That said, nothing in this communication should be construed as a waiver
  of the Tribes or the Companys sovereign immunity, all of which are expressly preserved.
  The Company is a wholly-owned and operated subsidiary of LDF Holdings, LLC (LDF
  Holdings). LDF Holdings is a wholly-owned and operated subsidiary of the *************************************** (LDF ********************************** which is a wholly-owned
  and operated economic arm and instrumentality of the Tribe. The Tribe is a federally recognized
  Indian tribe, organized under a Constitution pursuant to the Indian Reorganization Act of ****, 48
  Stat. 984, 25 U.S.C. 476, et seq., as amended, and is identified on ***************** Department
  of Interiors list of federally acknowledged Indian Tribes. 81 Fed. Reg. ****** (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. *******************
  Econ. **** ****** 677 F. Supp. 2d ****, **** (W.D. ***. 2010) (holding that entities acting as
  arms of a tribe are entitled to tribal sovereign immunity).
  The borrower complains that they were improperly issued a loan with the Company. As a
  precautionary measure, the Company has since ceased all collection activity on the borrowers
  account and is conducting an investigation related to the borrowers concerns. The Company has
  contacted the borrower to inform them of this, assure that their concerns are being investigated,
  and provide a phone number and email address which they can contact for further information.
  Once the Company completes its investigation, it will reach out personally to the borrower to
  resolve any outstanding issues.
  We would be happy to discuss these issues further on a government-to-government basis,
  but, again, please be advised that nothing in this communication should be construed as a waiver
  of the Tribes or the Companys sovereign immunity, all of which are expressly preserved. Please
  direct any future communications through our legal counsel: ***************************** at ******************************************, ***************************************************, ************, *********************************************************
  
  DocuSign Envelope ID: ************************************
  
  Midaaswi, LLC dba National Small Loan
  Po Box 632
  ***************, ** 54538
  
  LDF Holdings, LLC
  Po Box 231
  ***************, ** 54538
  
  ` Kindest Regards,
  
  ________________________________
  ***********************
  Compliance Manager
  Midaaswi, LLC dba National Small Loan
  
  DocuSign Envelope ID: ************************************

• Initial Complaint

  Date:02/01/2023

  Type:Product 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.

  12/28/22 National Small Loan began a fraudulent guerrilla contact campaign via email and telephone. I have never contacted or applied for a loan or their services. They continue to demand payment, and harrass me 24 hours a day 7 days a week.

  Business Response

  Date: 02/09/2023

  This responds to Complaint #******** related to Midaawsi, LLC d/b/a National Small
  Loan (the Company), which is owned by the *** du ******** Band of Lake Superior Chippewa
  Indians (Tribe). The Company takes these types of inquiries very seriously and would like to
  provide you with the below information. The Company believes open and full dialogue on the
  issue is best practice. That said, nothing in this communication should be construed as a waiver
  of the Tribes or the Companys sovereign immunity, all of which are expressly preserved.
  The Company is a wholly-owned and operated subsidiary of LDF Holdings, LLC (LDF
  Holdings). LDF Holdings is a wholly-owned and operated subsidiary of the *************************************** (LDF ********************************** which is a wholly-owned
  and operated economic arm and instrumentality of the Tribe. The Tribe is a federally recognized
  Indian tribe, organized under a Constitution pursuant to the Indian Reorganization Act of ****, 48
  Stat. 984, 25 U.S.C. 476, et seq., as amended, and is identified on ***************** Department
  of Interiors list of federally acknowledged Indian Tribes. 81 Fed. Reg. ****** (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. *******************
  Econ. **** ****** 677 F. Supp. 2d ****, **** (W.D. ***. 2010) (holding that entities acting as
  arms of a tribe are entitled to tribal sovereign immunity).
  The borrower complains that they were improperly issued a loan with the Company. As a
  precautionary measure, the Company has since ceased all collection activity on the borrowers
  account and is conducting an investigation related to the borrowers concerns. The Company has
  contacted the borrower to inform them of this, assure that their concerns are being investigated,
  and provide a phone number and email address which they can contact for further information.
  Once the Company completes its investigation, it will reach out personally to the borrower to
  resolve any outstanding issues.
  We would be happy to discuss these issues further on a government-to-government basis,
  but, again, please be advised that nothing in this communication should be construed as a waiver
  of the Tribes or the Companys sovereign immunity, all of which are expressly preserved. Please
  direct any future communications through our legal counsel: ***************************** at ******************************************, ***************************************************, ************, *********************************************************
  
  DocuSign Envelope ID: ************************************
  
  Midaaswi, LLC dba National Small Loan
  Po Box 632
  ***************, ** 54538
  
  LDF Holdings, LLC
  Po Box 231
  ***************, ** 54538
  
  `