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:05/01/2025

  Type:Order 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 Little Lake Lending on 12/2/2024 in the amount of $1,200. I have already paid $3,162.60 to them and when I called and tried to negotiate a pay off amount since I had already paid them almost 3 times the amount I had taken out, they would not agree to this amount.

  Business Response

  Date: 05/06/2025

  Little Lake Lending discloses the total cost to a borrower assuming only the minimum payment schedule is followed. All rates and loan fees are prominently displayed within the loan contract and were acknowledged by Michelle D***** at each point by mandatory electronic signature.
  In the event customers would like to modify their payments, we encourage them to contact Customer Service at ***** ******** at least three (3) business days before their scheduled payment date to request the payoff of an account, to skip a payment or to make an additional payment that will go towards their principal balance. Making payments toward the principal balance can quickly reduce the outstanding balance and reduce the time to repay the loan off.
  Resolution:
  As a courtesy to Michelle D*****, we will consider all payments made to date and close the account without any further obligation. If Michelle D***** has any questions, he/she may contact Customer Service at ***** *********
  Nothing herein shall be construed as a waiver of any rights or privileges of Little Lake Lending, all of which are expressly reserved.

  Customer Answer

  Date: 05/06/2025

  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,
  
  Michelle D*****

• Initial Complaint

  Date:04/28/2025

  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 Little Lake Lending in October 2024 for $1000. I desperately needed funds. I did not realize that I was being charged an outrageous interest rate of 400%. i later found out that the interest rate is hidden in 21 pages of fine print legal documents. Payments are made by ACH from my bank account. I have paid $368.18 for each of the months of November and December 2024, and January and February 2025, for total repayments of $1,472.72 With another payment scheduled for March 19, 2025. Apparently the loan is not scheduled to be paid in full until April 2026, which, because of this outrageous interest rate it will end up costing me $6,627.24 on a $1,000 loan. I am a senior citizen on a fixed income. This is loan sharking at best. This company is preying on vulnerable people. If this loan were made by a lender licensed in Colorado, the lender charging this interest would be committing a class 6 felony.

  Business Response

  Date: 05/06/2025

  Little Lake Lending discloses the total cost to a borrower assuming only the minimum payment schedule is followed. All rates and loan fees are prominently displayed within the loan contract and were acknowledged by Cheryl P***** at each point by mandatory electronic signature.
  In the event customers would like to modify their payments, we encourage them to contact Customer Service at ***** ******** at least three (3) business days before their scheduled payment date to request the payoff of an account, to skip a payment or to make an additional payment that will go towards their principal balance. Making payments toward the principal balance can quickly reduce the outstanding balance and reduce the time to repay the loan off.
  Resolution:
  As a courtesy to Cheryl P****** we will consider all payments made to date and close the account without any further obligation. If Cheryl P***** has any questions, he/she may contact Customer Service at ***** *********
  Nothing herein shall be construed as a waiver of any rights or privileges of Little Lake Lending, all of which are expressly reserved.

  Customer Answer

  Date: 05/06/2025

  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,
  
  Cheryl P*****

• Initial Complaint

  Date:04/23/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  When applying for this payday advance loan online, the conditions are unclear - deliberately so. Demanding more than five times the initial principle in order to pay off the loan is predatory and unethical in the very least, if not illegal.

  Business Response

  Date: 04/28/2025

  Little Lake Lending discloses the total cost to a borrower assuming only the minimum payment schedule is followed. All rates and loan fees are prominently displayed within the loan contract and were acknowledged by Kayla B******** at each point by mandatory electronic signature.
  In the event customers would like to modify their payments, we encourage them to contact Customer Service at ***** ******** at least three (3) business days before their scheduled payment date to request the payoff of an account, to skip a payment or to make an additional payment that will go towards their principal balance. Making payments toward the principal balance can quickly reduce the outstanding balance and reduce the time to repay the loan off.
  Resolution:
  As a courtesy to Kayla B********, we will consider all payments made to date and close the account without any further obligation. If Kayla B******** has any questions, he/she may contact Customer Service at ***** ********.
  Nothing herein shall be construed as a waiver of any rights or privileges of Little Lake Lending, all of which are expressly reserved.

• Initial Complaint

  Date:04/21/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Took a loan of $1000 from Little Lake Lending, Had a job loss and have been unable to make payments so called the Little Lakes Customer Success team to make payment arrangements. They transferred to the supervisor 4 consecutive days all 4 days on hold for 30 minutes and no response. They dont want to do any plans and nothing to help with interest ballooning with no payments

  Business Response

  Date: 04/23/2025

  Little Lake Lending discloses the total cost to a borrower assuming only the minimum payment schedule is followed. All rates and loan fees are prominently displayed within the loan contract and were acknowledged by ***** ****** at each point by mandatory electronic signature.
  In the event customers would like to modify their payments, we encourage them to contact **************** at ************** at least three (3) business days before their scheduled payment date to request the payoff of an account, to skip a payment or to make an additional payment that will go towards their principal balance. Making payments toward the principal balance can quickly reduce the outstanding balance and reduce the time to repay the loan off.
  
  Resolution:
  As a courtesy, Little Lake Lending will reach out to ***** ****** with an offer to resolve their loan.
  
  Or 
  ***** ****** may contact **************** at ************** to set up payment arrangements.

• Initial Complaint

  Date:04/16/2025

  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 received a $1,500 loan from Little Lake Lending on 3/17/2025. As of today, *** made two payments of $482 (on 4/1 and 4/16), totaling $964. Despite this, I was told that the current payoff amount is $8,205.05 more than five times the original loan amount.This is completely predatory and financially abusive. I was totally misinformed during our phone conversation. I was never clearly informed of the terms of this loan. However the terms of the contract are misleading, unfair, and *************** situation is not unique, many other consumers have reported similar experiences. I am requesting an immediate review of my account and resolution in the form of loan forgiveness or significant reduction in the balance. This level of interest and fee accumulation should not be legal.

  Business Response

  Date: 04/23/2025

  Little Lake Lending discloses the total cost to a borrower assuming only the minimum payment schedule is followed. All rates and loan fees are prominently displayed within the loan contract and were acknowledged by ******* ******** at each point by mandatory electronic signature.
  In the event customers would like to modify their payments, we encourage them to contact **************** at ************** at least three (3) business days before their scheduled payment date to request the payoff of an account, to skip a payment or to make an additional payment that will go towards their principal balance. Making payments toward the principal balance can quickly reduce the outstanding balance and reduce the time to repay the loan off.
  
  Resolution:
  As a courtesy, Little Lake Lending will reach out to ******* ******** with an offer to resolve their loan.
  
  Or 
  ******* ******** may contact **************** at ************** to set up payment arrangements.
  
  Nothing herein shall be construed as a waiver of any rights or privileges of Little Lake Lending, all of which are expressly reserved.

• Initial Complaint

  Date:04/15/2025

  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.

  In February of 2025 I took out a loan in the amount of $1000 with Little Lake Lending. My estimated payment was $277 per month. Or, so I thought. But, after my initial payment on payday, two weeks later another $277 drafted from my account. And, every two weeks rather than every month it continues to draft. I have paid over $1800 already on a $1000 loan. I can't find a payment schedule or anything that tells me when these payments will stop except that there are 25 payments total. That would bring my total repayment to over $6000 on a $1000 loan. How is this legal? My only option is to close my bank account and file bankruptcy. My credit union has advised me to close account immediately. I have paid off the loan plus several hundred dollars. And, the payoff amount is still more than I borrowed to begin with. The company is impossible to speak with someone and you cannot understand anyone who does get on the line.

  Business Response

  Date: 04/16/2025

  Little Lake Lending discloses the total cost to a borrower assuming only the minimum payment schedule is followed. All rates and loan fees are prominently displayed within the loan contract and were acknowledged by Rachel S****** at each point by mandatory electronic signature.
  In the event customers would like to modify their payments, we encourage them to contact Customer Service at ***** ******** at least three (3) business days before their scheduled payment date to request the payoff of an account, to skip a payment or to make an additional payment that will go towards their principal balance. Making payments toward the principal balance can quickly reduce the outstanding balance and reduce the time to repay the loan off.
  
  Resolution:
  As a courtesy, Little Lake Lending will reach out to Rachel S****** with an offer to resolve their loan.
  
  Or 
  Rachel S****** may contact Customer Service at ***** ******** to set up payment arrangements.
  
  

  Customer Answer

  Date: 04/16/2025

  
  Complaint: ********
  
  I am rejecting this response because:
  My credit union has advised me that the lending agreement I have entered into is illegal, predatory lending and should not authorize any more funds be drafted from my bank account. I have already paid enough to satisfy the loan. I closed my bank account. I ask again that my account be closed. My bank won't allow me to draft any money to the company and has advised me to seek help and counsel through the ftc and my local delegates. 

  Sincerely,
  
  Rachel S******

  Business Response

  Date: 04/23/2025

  Upon review of the account, our records indicate that the principal balance remains outstanding for Rachel S******. If Rachel S****** has documentation supporting her claim that this balance has been satisfied, we encourage her to contact Little Lake Lending directly. We would be happy to work with her toward a resolution of the matter.
  
  Otherwise, we will apply all payments made to the principal balance. Please remit the remainder of the principal balance by check or money order to:
  
  ****** *** *** ****** **** *******
  **** ******* ********* *** ****
  ********* ** *****
  
  Or Rachel S****** may contact Customer Service at ***** ******** to set up payment arrangements.
  
  Nothing herein shall be construed as a waiver of any rights or privileges of Little Lake Lending, all of which are expressly reserved.
  

  Customer Answer

  Date: 04/23/2025

  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,
  
  Rachel S******

• Initial Complaint

  Date:04/10/2025

  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 requested 2000 which I paid but they kept doing withdrawas when I called they said the had put 18 'statements' (or someother word I forgot) but they couldn't tell me why or how that works basically I paid the 2000 and they want me to pay 5000 on top of that. Its a SCAM !

  Business Response

  Date: 04/15/2025

  Little Lake Lending discloses the total cost to a borrower assuming only the minimum payment schedule is followed. All rates and loan fees are prominently displayed within the loan contract and were acknowledged by Emmanuel M***, at each point by mandatory electronic signature.
  In the event customers would like to modify their payments, we encourage them to contact Customer Service at ***** ******** at least three (3) business days before their scheduled payment date to request the payoff of an account, to skip a payment or to make an additional payment that will go towards their principal balance. Making payments toward the principal balance can quickly reduce the outstanding balance and reduce the time to repay the loan off.
  Resolution:
  As a courtesy to Emmanuel M***, we will consider all payments made to date and close the account without any further obligation. If Emmanuel M***, has any questions, he/she may contact Customer Service at *************
  Nothing herein shall be construed as a waiver of any rights or privileges of Little Lake Lending, all of which are expressly reserved.
  
  

• Initial Complaint

  Date:03/24/2025

  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.

  Dear Better Business Bureau,On 12/20/2025, I took out an emergency loan of $1400 to pay bills and protect my credit until the first paychecks from my new part time job began. I was told the loan was expensive, so I knew Id pay it off quickly. During the phone conversation, I confirmed the $330.79 monthly payment with the representative. She was talking very quickly and kept talking over me, but I did my best to understand her even though I was having a hard time breathing because of the stress. When the representative on the phone said the loan was expensive, I did not understand what Little Lakes expensive meant, but I understood what the monthly payment was.On January 24th, the day a SECOND monthly payment of $330.79 was withdrawn from my checking account, I began reaching out to LLL to find out why there were 2 monthly payments totaling $661.58 per month on a $1400 loan. I was also trying to access my pay off amount. I waited on hold, but wasnt able to talk with anyone. I sent emails to customer service, but I got no response. I also tried to log into my account during February, but the site was not letting me log into my account. I was working 3 jobs, so I couldnt keep reaching out.I was finally able to log in today, 3/24, and the pay off amount for the $1400 loan is $6285.01. I have already paid a total of $1984.74 ($330.79 on 1/10, 1/24, 2/7, 3/7, and 3/21).My dispute is with the misinformation about monthly payments from the representative and the predatory lending rate that makes a $1400 emergency loan $8269.75 to pay back. I believe the interest on this loan is illegal in **, especially given the fast-talking representative on the phone who kept talking over my ************ credit is good, and Id like to keep it that way. Id like to pay this loan off at a legal and reasonable rate.Thank you for your help - I appreciate anything you can do!

  Business Response

  Date: 03/26/2025

  Little Lake Lending discloses the total cost to a borrower assuming only the minimum payment schedule is followed. All rates and loan fees are prominently displayed within the loan contract and were acknowledged by ********* *****, at each point by mandatory electronic signature.
  In the event customers would like to modify their payments, we encourage them to contact **************** at ************** at least three (3) business days before their scheduled payment date to request the payoff of an account, to skip a payment or to make an additional payment that will go towards their principal balance. Making payments toward the principal balance can quickly reduce the outstanding balance and reduce the time to repay the loan off.
  Resolution:
  As a courtesy to ********* *****, we will consider all payments made to date and close the account without any further obligation. If ********* *****, has any questions, he/she may contact **************** at ************.
  Nothing herein shall be construed as a waiver of any rights or privileges of Little Lake Lending, all of which are expressly reserved.
  
  
  

  Customer Answer

  Date: 03/26/2025

  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,
  
  ***** B *****

• Initial Complaint

  Date:03/21/2025

  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 borrowed 1000 dollars and now I owe 5000 and it charges me weekly these things were not clear on mobile. Especially the weekly payments. This is predatory lending and should be stopped take ng advantage of people who just need a small amount to get through the month.

  Business Response

  Date: 04/01/2025

  Little Lake Lending discloses the total cost to a borrower assuming only the minimum payment schedule is followed. All rates and loan fees are prominently displayed within the loan contract and were acknowledged by Daniel F******* at each point by mandatory electronic signature.
  In the event customers would like to modify their payments, we encourage them to contact Customer Service at ***** ******** at least three (3) business days before their scheduled payment date to request the payoff of an account, to skip a payment or to make an additional payment that will go towards their principal balance. Making payments toward the principal balance can quickly reduce the outstanding balance and reduce the time to repay the loan off.
  
  Resolution:
  As a courtesy, Little Lake Lending will reach out to Daniel F******* with an offer to resolve their loan.
  
  Or 
  Daniel F******* may contact Customer Service at ***** ******** to set up payment arrangements.
  
  Nothing herein shall be construed as a waiver of any rights or privileges of Little Lake Lending, all of which are expressly reserved.
  
  

  Customer Answer

  Date: 04/04/2025

  
  Complaint: ********
  
  I am rejecting this response because: It does not clearly disclose the price, the fact this it is weekly, or the 500%+ interest. If it did, you wouldn't have so many people on here saying that It's not properly disclosed. I am dissatisfied with this response as I will only agree to pay back the $1000 I borrowed and only on monthly payments. The way this loan process is designed is to prey on people who are desperate and just need a little help to get through the month, this is predatory lending at its best. So as I said I will gladly pay back what I borrowed, but I will not pay a penny more, and I will not pay weekly. I will only pay back the 1000 I borrowed and on a monthly schedule.  
  
  Sincerely,
  
  Daniel F*******

  Business Response

  Date: 04/04/2025

  As a courtesy to Daniel F*******, we will apply all payments made to the principal balance of $1,000.00. Please remit the remainder of the principal balance of $839.33 by check or money order to:

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

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

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

  Or Daniel F******* may contact Customer Service at ***** ******** to set up payment arrangements.

  Nothing herein shall be construed as a waiver of any rights or privileges of Little Lake Lending, all of which are expressly reserved.

  Customer Answer

  Date: 04/04/2025

  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 will repay $839.33 in payments. 
  
  Sincerely,
  
  Daniel F*******

• Initial Complaint

  Date:03/18/2025

  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.

  On February 24th, I had a need for 200.00. I got an offer from little lake lending. I can not believe it could be legal to charge $896.26 over a year for $250.00. They are charging me $81,66 per month!!! I have already been deducted a payment This is absolutely ridiculous and they seem to prey on people in bad financial situations.

  Business Response

  Date: 03/20/2025

  Little Lake Lending discloses the total cost to a borrower assuming only the minimum payment schedule is followed. All rates and loan fees are prominently displayed within the loan contract and were acknowledged by Aprilee L***** at each point by mandatory electronic signature.
  In the event customers would like to modify their payments, we encourage them to contact Customer Service at ***** ******** at least three (3) business days before their scheduled payment date to request the payoff of an account, to skip a payment or to make an additional payment that will go towards their principal balance. Making payments toward the principal balance can quickly reduce the outstanding balance and reduce the time to repay the loan off.
  
  Resolution:
  As a courtesy, Little Lake Lending will reach out to Aprilee L***** with an offer to resolve their loan.
  
  Or 
  Aprilee L***** may contact Customer Service at ***** ******** to set up payment arrangements.
  
  Nothing herein shall be construed as a waiver of any rights or privileges of Little Lake Lending, all of which are expressly reserved.
  
  

  Customer Answer

  Date: 03/20/2025

  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,
  
  Aprilee L*****