Share
Business ProfileforWakpamni Lake Community Corporation
Payday Loans
At-a-glance
Related Categories
Business Details
This is a multi-location business.
- Location of This Business
- PO Box 6048, Pine Ridge, SD 57770-6048
- BBB File Opened:
- 2/25/2013
- Years in Business:
- 12
- Business Started:
- 1/1/2012
- Alternate Business Name
- WLCC Lending JEM dba Explore Credit
- WLCC Lending DFG dba DakotaFundingGroup.com
- WLCC Lending DFG dba eaglerockfunding.com
- Business Management
- Blake Collins, Manager
- Contact Information
Principal
- Blake Collins, Manager
Customer Contact
- Blake Collins, Manager
- Saysha
- Sue Arigi, Director, Compliance Services
- Bret Crandall, Director of Compliance
- Juanita George, Operations Manager
- Additional Contact Information
Phone Numbers
- (888) 671-5812Other Phone
- (877) 855-5013Other Phone
- (888) 671-5812
Customer Complaints
69 Customer Complaints
Need to file a complaint? BBB is here to help. We'll guide you through the process. How BBB Processes Complaints and Reviews
File a ComplaintMost Recent Customer Complaint
06/25/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I took out a $700 loan with EAGLE ROCK FUNDING. I was told that I can make an overpayment or prepayment at anytime without penalty. On 6.14.24 I called to have an additional $500 taken with the 6.17.24 payment. I was told I couldn't do it as it was already "in process". The agent offered to run it 6.18.24 which I agreed to, the draft was completed. When I looked at a breakdown of payments, how much to principal and how much to interest, I caught that they had taken $250 of my payment and applied it to the interest with no explanation. I called multiple times, talked to multiple people. Finally got ahold of a supervisor that told me that unless the payment was made the same day as the set draft, the full payment would be split. This was not brought to my attention when I set up the additional payment. I TRIED to set it up the same day, and was refused. There is nothing in writing about having to make this payment on the same draft date, nothing. See page 3 of contract. It's something they keep hidden in order to take more money from their customers. No agent ever said anything about this little catch, not during the application period or after, and certainly not on the day I set up the payment. I have asked multiple times to have the amount they put to interest put onto the principal balance as it should have as with any prepayment or overpayment. This is theft as they KEEP THIS INFORMATION FROM THEIR CUSTOMERS. After going around for several minutes with a supervisor, who works from home and the dogs were continually barking making the conversation harder than it should have been, she finally told me that is how the biz worked and there wasn't anything they could do. I want the $250 put onto my principal balance, and I want the account noted as paid in full with no further interest after the day I made that overpayment. I have contacted the main office and have not received any response.
Read MoreCustomer Reviews
6 Customer Reviews
What do you think? Share your review.
Most Recent Customer Review
Jeni B.
1 star
11/01/2023
DO NOT, I repeat, DO NOT provide them with your personal information including your social security digits or date of birth. What they are attempting to do is illegal and fraudulent. First, file a stolen identity report with the FTC (because they did in essence steal your identity by applying for and agreeing to a loan with YOUR stolen information: your name, bank account, email, etc.). They will claim they cannot help you without your social security or date of birth, but that is probably because THEY PROBABLY DO NOT HAVE IT! And will use it to generate a fake loan document, which is illegal and fraudulent. Again, National Nation Loans are the ones stealing your identity to secure a loan that you DID not authorize. Send them the identity theft report and demand that they cease any attempts to collect on the balance, cease communications, and close this account. Also, tell them that, as provided by law, you do NOT need to provide them with personal information (the last four digits of your social and your date of birth) but can provide instead your name, address, and phone number. They will respond that they need your personal information to help you. THIS IS A LIE. Continue to send them messages with the identity theft report attached and: 1) demand that they cease any attempts to collect on the balance, cease communications, and close this account, and 2) as provided by law, you do NOT need to provide them with personal information (the last four digits of your social and your date of birth) but can provide instead your name, address, and phone number. CONTINUE TO DO THIS. SEND THEM MULTIPLE EMAILS. And then they will finally send your request to "management". This is a company stealing the identities of multiple people to commit FRAUD. To be continued...
Wakpamni Lake Community Corporation Response
11/09/2023
Dear Jeni B*******,
Thank you for reaching out to National Nation Loans with your concerns. You have claimed that you did not apply for a loan with National Nation Loans. We understand that you may not recall having applied with us.
Please be aware that we work with a number of marketing lead generators and it is very likely that you applied for a loan through the website of one of our affiliates and partners. During the application process, the lead generator notifies the applicant that they are not a lender and gains consent to send the application through to the matched lender, which would be National Nation Loans.
According to our records, we received an electronically-signed loan agreement, which is signed by clicking the ‘I Agree’ button on the loan agreement, in your name to borrow $600.00 from National Nation Loans on 10/3/2023. Per that agreement, the $600.00 was deposited into your Chase Bank account ending in -3150, the bank account listed on the agreement, on 10/4/2023.
As per that loan agreement, we did process a payment for $175.91 on 10/20/2023, which has subsequently been returned as unsuccessful.
Additionally, as you mentioned in your complaint, we are required to confirm an individual’s identity when communicating about specific account information. This is typically done with four points of information, which could include the name, last four digits of the SSN, email address, and date of birth. However, other items such as address and phone number may also be used if the individual is uncomfortable providing certain information on the phone or over email or text.
We are happy to cancel the account for you, but we will need to retrieve the $600 that was deposited into your bank account. Please confirm a date that works for you.
Once the total principal amount has been retrieved successfully, the cancellation process will be complete and the account will be closed with no balance due.
If you believe that we did not receive your account as described above, please let us know so that we may assist you further in investigating the issue.
We look forward to hearing from you.
Thank you,
National Nation Loans
Phone: 1-800-392-3070
Fax: 1-866-728-4577
www.nationalnationloans.com
Special Note: National Nation Loans does not process financial transactions on non-business days. Our transaction processing deadline is 2:00 PM EST unless otherwise specified.
Notice of Confidentiality: All content and information included and/or attached in this electronic mail transmission is considered to be confidential and is intended for the addressee only. All content is considered to be NationalNationLoans.com's exclusive copyrighted property. Any unauthorized reproduction, distribution, publication, or disclosure is expressly prohibited without the express written consent of the company. If you believe this e-mail message has reached you in error, please notify the sender by replying to the transmission. Please delete this message without disclosing or copying it.
Customer Response
11/13/2023
This is a boilerplate response that was emailed to me. When I responded and asked them to send me instructions on where to send back the funds that they illegally deposited, they kept responding with "We need your social security and DOB to help you." Again, it's an attempt to get your personal information and create a fake loan agreement. So, I filed a stolen identity report (because they literally stole my information to open a loan), sent them proof of my filing, and they closed the account. I suggest everyone else to do the same.
BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.
As a matter of policy, BBB does not endorse any product, service or business.