Business Profile

Payday Loans

Wakpamni Lake Community Corporation

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Payday Loans.

Complaints

This profile includes complaints for Wakpamni Lake Community Corporation's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

88 total complaints in the last 3 years.
38 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.

Initial Complaint
Date:03/31/2025
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 this company and they are still taking $126.61 out of my account when I go on the website it says user not found when I’m indeed a user because they are taking money out of my account I would like them to stop this immediately because they are illegally not letting me on their site I’ve even tried to change my password they send that to my email and then when I try to change my password the screen just keeps saying loading I need this company to cease from taking money out of my account because I know I have paid them the money I owe back and their website won’t even allow me to look at my “account”
Business Response
Date: 04/02/2025
We appreciate your patience and the opportunity to address your concerns regarding your recent loan with Enable Loans. After a thorough review of your request, we would like to provide you with a summary of our findings and outline the next steps.
Your loan was established on January 27, 2025, with a deposit of $300.00 into your bank account ending in 8900. Per your signed agreement, biweekly payments of $126.61 were scheduled to begin on February 7, 2025, with the final payment due on April 4, 2025.
On February 26, 2025, you contacted us requesting to skip a payment but agreed to make a partial payment instead. A payment of $63.31 was made on March 7, 2025, followed by a full payment of $126.61 on March 21, 2025.
According to your loan agreement, you still have a remaining balance consisting of:
?
One scheduled payment of $126.60 due on April 4, 2025
?
The remaining half-payment of $62.59 due on April 18, 2025
At your request, we have stopped all ACH activity on your account. To arrange for your final two payments, please contact our customer support team at ***** ******** or via email at [email protected].
Additionally, we understand that you have experienced login issues with our customer portal. Our support team is available to assist you in resolving this matter and ensuring you have full access to your account.
For your records, we have attached a copy of your signed loan agreement and a detailed payment history. We sincerely apologize for any frustration this may have caused and remain committed to assisting you. Please let us know how we can support you moving forward.
Customer Answer
Date: 04/02/2025

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,

******* ****
Initial Complaint
Date:03/26/2025
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.
A loan was taken out from this company in the amount of $900, however, this was before it was brought to my attention that Enable Loans is operating illegally as a "tribal lender" who is not a licensed payday lender in my state, Indiana, which they were aware of when the funds were dispersed. This company is operating under the Oglala Sioux Tribe of the Pine Ridge Reservation, which is a recognized tribe, however, they are working under a different LLC which is not associated with this tribe. They are charging usury amount of interest according to my state's laws, which prevail over other states as it is a requirement to be a licensed lender in the states one would be lending money. Due to the illegality of this company, my contract is null and void. I have revoked any and all ach authorization once this was brought to my attention and I have offered a payment plan for principal only, although I am not legally required to do so.
Business Response
Date: 04/08/2025
WLCC Lending II DBA Arrowhead Advance (Company) has completed its review of ****** ******** complaint. Customer satisfaction is our top priority, and we want each customer to know how much we value them. The Company takes these types of inquiries very seriously and appreciates the opportunity to respond to you regarding *** *******s concerns. Be advised, nothing in this communication should be construed as a waiver of the Tribe’s or the Company’s sovereign immunity, all of which are expressly preserved.
Regarding *** ******* concerns that the Company will not revoke her ACH authorization, the Company received her request to revoke ACH authorization on April 1, and processed the request on the same day. The Company does encourage customers to stay on automatic payments to help ensure that the payments are received by the due dates to avoid any extra fees and interest that may be added for late or missed payments.
Should Ms. Bagley have any additional concerns, pMs.se have them contact us at ************** or via email at *************************************

Sincerely,
Compliance Department
Customer Answer
Date: 04/09/2025

Complaint: ********

I am rejecting this response because:
Their response has absolutely nothing to do with the complaint. They are referring to another complaint that I had with another one of their rent a tribe loan servicers. They are referencing Arrowhead Loans when this complaint is specifically for Enable Loans.

Sincerely,

****** ******
Business Response
Date: 04/10/2025
March 27, 2025
****** ****** Complaint
BBB Complaint – ********
Re: ****** ******

WLCC Lending DBA Enable Loans (Company) has completed its review of ****** ******** concerns. Customer satisfaction is our top priority, we want each customer to know how much
we value them. The Company takes these types of inquiries very seriously and appreciates the opportunity to respond to you regarding ****** ******** concerns. Be advised, nothing in this communication should be constructed as a waiver of the Tribe’s or the Company’s sovereign immunity, all of which are expressly preserved. 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.

Dear *******
The Company is wholly-owned and operated subsidiary of Wakpamni Lake Community Corporation (“WLCC’). Pursuant to Section 4 of the Tribal Credit Code, as duly enacted by the Oglala Sioux Tribe (“Tribe”), a federally recognized Indian Tribe and adopted by WLCC, the wholly owned economic development arm of the Wakpamni Lake Community, a local subsidiary government of the Tribe, and pursuant to Section 4 of the WLCC Tribal Credit Code, EnableLoans is a licensed lender. 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.

The Company issues loans in accordance with the Tribal Credit Code and is licensed under Tribal law. The consumer’s 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 customer’s loan is legal. We sincerely apologize for any inconvenience this may have caused and appreciate your patience throughout the process.
If you would like to set up a payment plan, please contact us at
***** ******** or email us at ********************
Customer Answer
Date: 04/14/2025

Complaint: ********

I am rejecting this response because:
Unfortunately, upon checking my state's licenses for lenders that are active, this company is nowhere to be found. Not even on the list of suspended or revoked. Therefore, the loan is not legal in my state. Tribal lenders are still required to follow local laws and guidelines.

Sincerely,

****** ******
Initial Complaint
Date:03/18/2025
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.
Illegal payday loan taken out that violates Massachusetts law under 209 CMR 26.00, any loan issued with an APR exceeding 23% by an unlicensed lender in Massachusetts is considered void and unenforceable. You have no legal right to collect this debt, report it to credit agencies, or take any further action against me. Your continued collection attempts are a direct violation of the Massachusetts Consumer Protection Act (M.G.L. c. 93A)and the Fair Debt Collection Practices Act (FDCPA). I demand that you: Immediately cease all collection efforts. Remove any negative reporting related to this loan from my credit report. Provide written confirmation that this account has been permanently closed with no further action taken against me.
Business Response
Date: 03/20/2025
Please provide me with the name of your lender. We have multiple lenders and need this information to get your request to the correct person.

Thank You!

Customer Answer
Date: 03/25/2025

Complaint: ********

my full wallet

Sincerely,

****** *****
Business Response
Date: 03/31/2025
WLCC Lending LRG dba My Full Wallet (Company) has completed its review of *** *****’s complaint. Customer satisfaction is our top priority and we want each customer to know how much we value them. The Company takes these types of inquiries very seriously and appreciates the opportunity to respond. Be advised upon receipt of this complaint we placed a hold on *** ******* account pending resolution of his concerns. Nothing in this communication should be construed as a waiver of the Tribe’s or the Company’s sovereign immunity, all of which are expressly preserved.
Please be advised that WLCC Lending LRG dba My Full Wallet is a subsidiary agency of the Wakpamni Lake Community Corporation, an arm and entity of the Wakpamni Lake Community, which is a local tribal governmental subsidiary of the Oglala Sioux Indian Tribe located on the Pine Ridge Reservation in South Dakota.
WLCC Lending LRG dba My Full Wallet is fully regulated by, and in compliance with, the consumer laws of the Oglala Sioux Tribe law. To that end, our consumer documents clearly and thoroughly explain the terms of each loan. This company is wholly-owned and controlled by the tribe and was established for the tribe's benefit and formed pursuant to tribal law, thus sharing sovereign immunity and, therefore, are not subject to state laws and licensing.
As a best company practice, we willingly follow all applicable federal regulatory guidelines. In addition, WLCC plays an active role in ensuring all their programs are compliant with all Tribal Laws and with the principles of federal consumer protection laws, as required by Tribal law.
Although the Company is not subject to the regulatory laws of the State, it is Tribal policy that all customer complaints be handled in a prompt and fair manner. It is our intention to provide *** ***** with an amicable resolution. In an effort to resolve *** ******* concerns we have implemented a cease and desist on his account as requested. However, the account remains valid and we request that *** ***** contact My Full Wallet in an attempt to organize a mutually agreeable repayment plan on the outstanding balance that remains.

Sincerely,

Compliance Department

My Full Wallet
Initial Complaint
Date:03/10/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On Friday, February 28, 2025 I noticed that $301.00 was taken out of my bank account without me authorizing it by ****** ***** I call the company on Friday, February 28, 2025 and spoke with ***** and I explained to her that $301.00 was taken out my bank account without me authorizing it ***** went on to explain that $144.80 would be refunded back to my account by Monday, last Monday evening I noticed the refund has not been issue, so on Wednesday, March 5, 2025 I call ****** **** again and spoke with Sounded like ***** now at this point I getting the run around about my refund I later ask to speak with a supervisor or Manager which I was refused several times until I was given a supervisor are manager individually I was tranfred to a supervisor by the name *** she went on to say that the refund was in process and that she will email the results about my refund and when the refund would be issued by the end of Wednesday business day I did not receive all call, so n Thursday, March 6 I have not receive my refund I proceed to call the company again and I spoke with **** which she started the same statement I have been hearing all week saying that the money will be refunded once the company has clear the ACH transaction once again I asked to speak with the manager and as usually I denied several time from speaking with the manager after the 10 or 11 times asking for a manager I was finally giving *** again now she claim that the ACH has clear now they can refund my money and she will give me an update on the status of my refund by the end of the day on Thursday, March 6.
Business Response
Date: 03/25/2025
WLCC Lending DBA ****** ***** (Company) has completed its review of (******** ***** concerns. Customer satisfaction is our top priority, we want each customer to know how much we value them. The Company takes these types of inquiries very seriously and appreciates the opportunity to respond to you regarding (******** ***** concerns. Be advised, nothing in this communication should be constructed as a waiver of the Tribe’s or the Company’s sovereign immunity, all of which are expressly preserved.
Dear Tracy,
Thank you for reaching out and following up on your refund request. We want to confirm that the funds were successfully returned to your checking account on 3/10/2025 in the amount of $301.79. For your convenience, we have below a confirmation snapshot of this transaction.
If you review your transaction history or contact a customer service representative at your banking institution, they should be able to verify that the funds have been received.
We sincerely apologize for any inconvenience this may have caused and appreciate your patience throughout the process. Please let us know if there’s anything else we can assist you with. We hope this concludes your request in full.
Initial Complaint
Date:03/07/2025
Type:Customer Service 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 keep getting phone calls and text messages from My Full Wallet saying I requested funds from them (most recently 3/7/25 and 3/6/25, but has been going on for at least 2 months). I never signed up for any type of loan or funds. They even call me the wrong name in the messages. I called and asked them to remove my phone number as it is clear someone is trying to be fraudulent and they say they need my social security number in order to remove my phone number from their system. They say they need the info to access the account. I need them to cease and desist. Any other credible bank or institution would be able to flag this as fraudulent considering I never signed up for anything.
Business Response
Date: 03/25/2025
This letter is in response to your concerns that were sent to My Full Wallet from the Better Business Bureau (BBB). Customer satisfaction is our top priority and we want each customer to know how much we value them. The Company takes these types of inquiries very seriously and appreciates the opportunity to respond.
Our records indicate that we received a partially complete loan application from you on March 4, 2025. In attempting to complete the application contact with you was attempted on the phone numbers authorized on the application. We regret the concern and distress this caused you.
My Full Wallet is happy to resolve this complaint by confirming that the application has since been closed and no further contact will be made.
Sincerely,

Compliance Department
My Full Wallet

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,

****** ******
Initial Complaint
Date:02/27/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I took out a loan with Enable Loan and made my first payment back in August 2024. However, due to the financial hardship, I communicated with them back on September saying that I still have a hardship. But I never receive any communication from them until I had to call back. Now I am told that they tried to offer me a settlement back in January but I never receive any communication from them at all. I called them today and ask them if I can do something with a smaller payment less than 100 but they refuse! They expect me to start my payment for 200 which is ridiculous a lot!
Business Response
Date: 03/12/2025
WLCC Lending DBA Enable Loans has completed its review of concerns *** *** Customer satisfaction is our top priority, we want each customer to know how much we value them. The Company takes these types of inquiries very seriously and appreciates the opportunity to respond to you regarding *** ** concerns. Be advised, nothing in this communication should be constructed as a waiver of the Tribe’s or the Company’s sovereign immunity, all of which are expressly preserved.
Dear *** **,
Thank you for reaching out to us regarding your recent concerns about your loan, which was established on August 13, 2024, with a deposit of $500 into your **** ** ******* account ending in ****. We sincerely appreciate the opportunity to assist you.
We acknowledge that you contacted us in September 2024, shortly after receiving the loan, to inform us of financial hardship. At that time, you also requested to revoke your ACH payments, which we promptly honored. As part of our commitment to assisting customers facing financial difficulties, we requested supporting documentation to explore potential options and tailor the best repayment plan for your situation. Unfortunately, we did not receive any follow-up documentation from you to proceed with a hardship evaluation.
In February 2025, you reached out again to inquire about the status of your loan and we provided you with an update on the outstanding balance of $2,078.30. During this conversation, you indicated that you would be able to resume payments in March 2025. At that time, we once again encouraged you to submit proof of financial hardship, which could include overdue bills, medical expenses, pay stubs reflecting reduced income, or any other relevant documentation that could support your request. However, as of today, we have not received the necessary information to reassess your financial situation and determine if any modifications to your loan may be possible.
We want to assure you that our goal is to assist you in finding a manageable solution, but we do require your cooperation to proceed. The payment amounts previously discussed were based on the financial information provided at the time of your loan application. If you are still experiencing financial hardship, we encourage you to submit the requested documentation so that we can re-evaluate your options.
Please feel free to reach out to us with any further questions or to provide the necessary documents. We are here to help and look forward to working with you toward a resolution.

Customer Answer
Date: 03/12/2025

Complaint: ********

I am rejecting this response because: this is not part of the agreement.

Sincerely,

*** **
Initial Complaint
Date:02/25/2025
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 am still receiving emails and texts from this lender trying to get payments. I have recently discovered ***** ***** is NOT licensed to lend in WI where I reside.
Business Response
Date: 03/04/2025
WLCC Lending BGL DBA ***** ***** Lending (“Company”) has completed its review of ******* ******** complaint. The Company takes these types of inquiries very seriously and appreciates the opportunity to respond. It is Tribal policy that all customer complaints be handled in a prompt and fair manner and customer satisfaction is our top priority. Be advised, nothing in this communication should be construed as a waiver of the Tribe’s or the Company’s sovereign immunity, all of which are expressly preserved.
ACCOUNT HISTORY/BACKGROUND
*** ****** took out a total of two loans with ***** ***** Lending over 2018-2019. For each of these loans, *** ****** was provided with a copy of his signed loan agreements which outlined the Truth in Lending Disclosures along with the Terms and Conditions of the Loan. His most recent loan was taken out on June 3rd 2019 and became past due in August of 2019. ***** ***** Lending has not contacted *** ****** regarding his account since March of 2021.
COMPLAINT & RESPONSE
The central drive of *** ******’s concern is that ***** ***** Lending’s loan terms are inconsistent with the laws of his home state. WLCC Lending BGL DBA ***** ***** Lending (The Company) is a subsidiary agency of the Wakpamni Lake Community Corporation, an arm and entity of the Wakpamni Lake Community, which is a local tribal governmental subsidiary of the Oglala Sioux Indian Tribe located on the Pine Ridge Reservation in South Dakota. This Company is wholly-owned and controlled by the tribe and was established for the tribe's benefit and formed pursuant to tribal law, thus sharing sovereign immunity and, therefore, is not subject to state laws and licensing. As a best Company practice, we willingly follow all applicable federal regulatory guidelines and federal consumer protection laws, as required by Tribal law. Since the inception of our business, we have yet to have a justified regulatory complaint. The Company is fully regulated by, and in compliance with, the consumer laws of the Oglala Sioux Tribe law. To that end, the interest and fees applicable to the loan are permitted by Tribal law and they were accurately and clearly reflected in each loan agreement that was signed before receiving the loan.
Customer satisfaction is paramount to ***** ***** Lending’s business and we have made every effort to accommodate each of *** ******’s requests during the course of his loans with us. Furthermore, in an effort to additionally resolve *** ******’s concerns, WLCC Lending BGL DBA ***** ***** Lending has waived the remaining balance and considers the loan paid in full. There are no further payments due. ***** ***** will not attempt to contact *** ****** in the future. We hope this resolves *** ******’s concerns. However, if he, or the BBB has any further questions, please contact our Tribal Compliance Department at ************ and ask to speak to our Compliance Manager.
Sincerely,
Compliance Department
Customer Answer
Date: 03/04/2025

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.

Sincerely,

******* ******
Initial Complaint
Date:02/25/2025
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 $200 loan from Good Loans fast and have paid at least 400 dollars back already! This is the definition of predatory lending and this place needs to be shut down!
Business Response
Date: 03/03/2025
WLCC Lending AIL DBA Good Loans Fast (Company) has completed its review of ********* ********* concerns. Customer satisfaction is our top priority, and we want each customer to know how much we value them. The Company takes these types of inquiries very seriously and appreciates the opportunity to respond to you regarding *** *******’s concerns. Be advised, nothing in this communication should be construed as a waiver of the Tribe’s or the Company’s sovereign immunity, all of which are expressly preserved.
*** ******* has concerns regarding the loan he received from the Company and the amount of interest charged. At the time the loan was offered to *** ******* the loan agreement he agreed to indicated the amount of the loan, the amount of interest and the total repayment amount if the loan went full term. *** ******* agreed to those terms. Additionally, the loan agreement advises that he can save money by paying the account without letting the account go full term to save money, there is no penalty to repay the loan early. In addition to loan agreement, at the time of going through the application the terms of the loan were explained to him prior to him signing the loan agreement.
In January 2025, *** ******* attempted to pay the account off using a debit card, however the transaction was declined. The Company is willing to assist *** *******, and is willing to waive non-payment penalties that this delay may have caused. He would need to contact the Company to make those arrangements.
*** ******* can contact the Company at ***** ******** or via email at ********************************* if there are any additional concerns or to make these arrangements.

Sincerely,
Compliance Department

Business Response
Date: 03/04/2025
WLCC Lending AIL DBA Good Loans Fast (Company) has completed its review of ********* ********* concerns. Customer satisfaction is our top priority, and we want each customer to know how much we value them. The Company takes these types of inquiries very seriously and appreciates the opportunity to respond to you regarding *** *******’s concerns. Be advised, nothing in this communication should be construed as a waiver of the Tribe’s or the Company’s sovereign immunity, all of which are expressly preserved.
Regarding *** *******’s concerns about stopping payments, the Company is closing the account as unpaid, however all future payments have been stopped, and all future communications will also stop.
*** ******* can contact the Company at ***** ******** or via email at ********************************* if there are any additional concerns.

Sincerely,
Compliance Department

Customer Answer
Date: 03/04/2025

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.

Sincerely,

********* *******
Initial Complaint
Date:02/05/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I took out a loan from the business on 1/30/25. I've been trying to pay back the loan since I took it out because I no longer wish to have it. The payments/interest rate are too high. However, when I try to make a payment on the website there is no option to do. I've tried contacting the business and can't get a hold of anyone. The interest is raising the amount owed daily which isn't fair to me when I'm trying to pay the balance. I need help.
Business Response
Date: 02/05/2025
Please provide me with the name of your lender. We have multiple lenders and need this information to get your request to the correct person.

Thank You!

Customer Answer
Date: 02/05/2025
The company is ****** *****
Business Response
Date: 02/11/2025
WLCC Lending DBA Enable Loans (Company) has completed its review of ******** ******* concerns. Customer satisfaction is our top priority, we want each customer to know how much we value them. The Company takes these types of inquiries very seriously and appreciates the opportunity to respond to you regarding ******** ******* concerns. Be advised, nothing in this communication should be constructed as a waiver of the Tribe’s or the Company’s sovereign immunity, all of which are expressly preserved.

Dear ******** *******

We appreciate your patience and the opportunity to address your concerns regarding your recent loan with us. After a thorough review of your request, we would like to provide you with a summary of our findings and the steps taken to assist you.
Your loan was established on January 30, 2025, with $500.00 deposited into your PNC Bank checking account ending in 9809. Per your signed agreement, your biweekly payments of $211.46 were scheduled to begin on February 14, 2025, with the final payment due on April 25, 2025.
We understand that on January 30, 2025, you reached out via email stating that you were unable to log into your account to cancel your loan and that you wished to return the funds. Our agent responded promptly, providing you with a password reset link. When you indicated that the link was not working, a second reset link was sent with instructions that it was valid for one hour. Unfortunately, it appears that the issue persisted.
On February 2, 2025, you emailed again stating that you were attempting to pay off the loan, but the website was not providing the option to repay just the $500.00 principal amount. You also mentioned that when calling the number listed on our website, you were redirected to another company, which led you to believe you were being scammed, however you had successfully paid off three prior loans with us.
To assist you in resolving this matter, our Escalations Team personally attempted to contact you so we could manually process your $500.00 payment over the phone and cancel the loan. However, we were unable to reach you, and a voicemail was left requesting that you return our call so we could assist you.
On February 4, 2025, you sent another email stating that you had not received a response and that you were unable to afford the scheduled payments. You expressed distress over the accumulating interest and reiterated your desire to return the loan amount. Additionally, you mentioned that the phone number listed on our website was not working, though we did not receive confirmation of the number you were dialing.
In response, on the morning of February 6, 2025, our Customer Service Manager made four separate attempts to contact you at the phone number listed on your account, but each call went to voicemail. Later that day, you sent another email stating that no one had contacted you and that you intended to file a complaint with the Better Business Bureau (BBB) due to a lack of assistance.
As a courtesy, we will hold the interest on your loan until February 13, 2025, allowing you to repay only the principal amount of $500.00 without additional interest. If the payment is not received by this date, interest will be reinstated, and payments will be due per the terms of your contract.
To resolve this matter, we kindly ask that you call us at ***** ******** at your earliest convenience. Additionally, we have sent you an email requesting a preferred date and time for us to contact you directly to assist with processing your payment.
Initial Complaint
Date:02/04/2025
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 have contacted this company numerous times letting them know I can't afford my loan anymore. I have asked for reduced payment options or a settlement amount and they refuse to help me other than reducing my current payment.
Business Response
Date: 02/04/2025
Please provide me with the name of your lender. We have multiple lenders and need this information to investigate and respond to your complaint.

Thank you!

Business Response
Date: 02/11/2025
To Whom It May Concern,
WLCC Lending DBA Enable Loans (Company) has completed its review of ******* ******** concerns. Customer satisfaction is our top priority, we want each customer to know how much we value them. The Company takes these types of inquiries very seriously and appreciates the opportunity to respond to you regarding ******* ******** concerns. Be advised, nothing in this communication should be constructed as a waiver of the Tribe’s or the Company’s sovereign immunity, all of which are expressly preserved.
We have carefully reviewed *** ********** inquiry regarding her current loan, which was established on December 27, 2024, for $500.00 and deposited into her *** ********* checking account ending in ****. The original contract outlined biweekly payments of $207.65, with the first payment scheduled for January 10, 2025, and the final payment set for March 21, 2025.
On January 7, 2025, *** ******** contacted us to express her inability to make the full first payment and requested to skip it. At that time, our agent advised her to make at least a partial payment and informed her that hardship options were available if she provided documentation to support her financial situation.
On January 23, 2025, *** ******** reached out via email, explaining that she had fallen on hard times and could no longer adhere to the original payment agreement. She requested to either reduce her payments to $100.00 per month or explore a settlement option. Again, our agent reiterated that we offer modification options but would require supporting documentation of her financial hardship. Based on the income and financial details provided at the time of the loan approval, the contracted biweekly payments were deemed affordable.
*** ******** indicated uncertainty about what documentation to provide but stated that her bills exceeded her income. She emphasized that a one-time payment reduction would not solve her situation and expressed consideration of seeking assistance from a debt management company or filing a complaint with the BBB. To assist her, our agent provided a detailed list of acceptable hardship documentation and also informed her of the option to revoke her ACH payments and make manual payments in amounts she could afford.
Ultimately, *** ******** declined to submit proof of hardship and chose not to revoke her ACH payments. She instead instructed the agent to process half of her next scheduled payment and stated she would determine her course of action for the following due date.
At Enable Loans, we strive to support our customers in times of financial difficulty. We offer loan modification options and are willing to work with *** ******** to adjust her payments; however, she must follow the process required for assistance.
We sincerely regret any inconvenience this situation has caused and remain committed to finding a resolution. If *** ******** wishes to proceed with a modification, we can have one of our specialists reach out to her to collect the necessary information to begin the process.

Customer Answer
Date: 02/15/2025

Complaint: ********

I am rejecting this response because: My lawyer stated that in the contract agreement, it does not state I must provide proof of why I can no longer afford my payments. I'm having surgery in May that's not covered by insurance that I need to have paid in full before surgery. I can't do that if I have over $400 a month being paid for a $500 loan! Who knew that the Indian Tribal Community just likes to take advantage of people and make more than double the money on a loan someone needed in a time of need and then your company keeps sending me loan offers for $1000 to refinance my current loan. I've emailed you telling you I don't want the loan, yet somehow I keep getting applied for it.

Sincerely,

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

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. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.

Cookies on BBB.org

Complaints

Customer Complaints Summary

If you've experienced an issue

Filter and sort by

Sort by

Complaint status

Complaint type

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Business Response

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Business Response

Complaint statuses

Business Response

Business Response

Customer Answer

Wakpamni Lake Community Corporation is NOT a BBB Accredited Business.