ComplaintsforWakpamni Lake Community Corporation

• Initial Complaint

  03/31/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I wanted to see what sort of loan I qualified for. After completing the application, the amount of the loan offered was far lower than was acceptable. Additionally, the interest rate is 684%, 16 payments of $189 over 16 months for principle amount of $600. That, as far as I know is usury. I closed the web page, and I DID NOT ACCEPT THE LOAN. To my horror, I found the loan was processed anyway, and $600 was deposited to my checking account. I have emailed a notice of cancellation but have not yet received a response. I feel their website is is deceptive. I want the loan cancelled, with no money owing and no attempts to debit my account. WLCC Lending HBC dba National Nation Loans

  Business response

  04/10/2024

  Dear **** ********
  
  We are in receipt of your recent complaint and concern related to the loan you received from WLCC Lending HBC DBA National Nation Loans (the “Company”) and would like to take this opportunity to respond.
  
  Please be aware that the Company is an entity of the Wakpamni Lake Community Corporation, a tribal corporation wholly owned economic development arm of the Wakpamni Lake Community, which is a local subsidiary government under the Oglala Sioux Tribe (the “Tribe”).
  
  The Company takes these types of inquiries very seriously and would like to provide you with the below information. However, 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.
  
  The Tribe is a federally recognized Indian tribe, organized under a Constitution pursuant to the Indian Reorganization Act of 1934, ** ***** **** ** ****** ** **** ** ***** as amended, and is identified on the ****** ****** ********** ** ********** list of federally acknowledged Indian Tribes. 81 Fed. Reg. 26,826 (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. Lake of the Torches Econ. Dev. Corp., 677 F. Supp. 2d 1053, 1061 (W.D. Wis. 2010) (holding that entities acting as arms of a tribe are entitled to tribal sovereign immunity).
  
  You have expressed concerns that while you did apply for a loan, you did not authorize or sign for a loan with 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 from National Nation Loans on 3/28/2024. Per that agreement, the $600 was deposited into your J******* ***** **** account ending in ***** the bank account listed on the agreement, on 3/29/2024.
  
  Prior to full review of this complaint, we had already scheduled a reversal of that deposit to post on 4/3/2024 in the amount of $600.
  
  Once this debit transaction clears, your account will be considered to be paid in full and closed. There will be no balance due at that point.
  
  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 hope that you find this letter of explanation satisfactory. If you have any additional questions or concerns, please feel free to reach out to us. When you do, please include your full name, last 4 digits of your SSN, Date of Birth, and email address or phone number on file so that we may properly identify your account.
  
  Thank you,
  National Nation Loans
  ****** ************** **** ************** ***************************

  Customer response

  04/10/2024

   
  Complaint: ********
  
  I am rejecting this response because:

  I did NOT accept the loan. I decided not to do that because of the extremely high interest rate. I advise staying away from this organization.
  
  Sincerely,
  **** *******

• Initial Complaint

  03/25/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  In January I received a loan for $300. I have since paid that and some more off. It said that I was almost done with my payments, but now I’ve been asked to pay way more. Almost $1100 in total for a $300 loan. I would like to talk to someone about considering my account settled and closed since I have paid the loan amount off and more in interest.

  Business response

  03/26/2024

  Good Morning:
  
  Please let me know the name of the lender that you have your account with.  We have multiple lenders and I need this information in order to get your request to the correct person.
  
  Thank You!

  Business response

  04/02/2024

  Quincy Adams Group (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. 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.
  Quincy Adams Group is a tribal governmental entity, it is a wholly owned subsidiary of Wakpamni Lake
  Community Corporation (“WLCC”). WLCC is the wholly owned tribal economic development arm of the
  Wakpamni Lake Community government, a subsidiary municipal tribal government of the federally
  recognized Oglala Sioux Tribe of the Pine Ridge Indian Reservation (“Tribe”). The principal place of
  business and office of Quincy Adams Group is at ** ******** **** ***, Wakpamni Lake, South Dakota
  ***** on the Tribe’s Reservation. In addition, Quincy Adams Group is wholly owned and controlled by
  the tribe, was established for the tribe's benefit, and formed pursuant to tribal law, thus sharing
  sovereign immunity, therefore, are not subject to state laws and licensing.
  The interest and fees applicable to the loan are permitted by Tribal law and they were accurately and
  clearly reflected in the loan agreement that was signed by **** ****** before receiving the loan.
  In an effort to resolve ******* ******** complaint, Quincy Adams Group will consider her loan as paid in
  full. There are no further payments due, and consider this matter closed.
  We hope this resolved her concerns and will consider this complaint resolved.
  Sincerely,
  Compliance Department

  Customer response

  04/02/2024

   
  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

  03/22/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Original loan for $700 I have paid quadruple of that back and still owe 684.33. This loan should be considered paid off and require no additional payments.

  Business response

  03/25/2024

  Good Morning:
  
  Please let me know the name of the lender that you have your account with.  We have multiple lenders and I need this information in order to get your request to the correct person.
  
  Thank You!

  Customer response

  04/09/2024

  Have paid this loan off 4 times and still owe

  Business response

  04/09/2024

  I have to have the name of the lender that *** ******** has his account with.  We have multiple lenders and without the name of the lender I can't help get this resolved.

• Initial Complaint

  03/15/2024

  Complaint Type:

  Order Issues

  Status:

  Resolved

  More info

  I have a loan with this company (Fast Fund Lending, ************************* ************* *********************************. I have never had a late payment or had a payment decline with them. But it is coming close to the time when my scheduled auto payments will be ending and my loan will be paid in full, so I reached out to the company asking to get something in writing to acknowledge my final payment date. I emailed for a week straight. I called and talked to a representative, a supervisor, and a manger. They all refused to assist me with this, unless I miss work to get on a conference call with them so they can call my bank to verify my contact info with my bank. This company is auto withdrawing money from my account every pay period but has the audacity to refuse to send me an email stating when my last payment will be unless I can take time off work to get on a call with them and my bank. There is zero need for them to verify anything with my bank at this point when my loan should be almost paid off and I have never missed a payment, never been late on a payment etc. This is the most unprofessional company I have ever encountered and the people who responded to my emails (when they bothered to respond at all - sometimes my emails went unanswered) claimed to not know who I was after I gave them my full name, phone number, last 4 of my SS #, my case #, my application # etc. They are trying to claim that their refusal to help me by simply responding to my email and letting me know my payoff date is for protection of my own privacy, but its obvious that their refusal to state my final payment date in writing is so they can continue to charge you after its paid off.

  Business response

  03/22/2024

  March 20^th, 2024

  Dear ******** *********

  I am writing on behalf of Fast Fund Lending in response to a verbal complaint made by you on March 15^th, 2024. Fast Fund Lending strives to assist consumers with their short-term cash needs while providing quality customer service, so we are extremely disappointed to hear you were dissatisfied with your most recent experience.

  In an effort to resolve your issue, we have made several attempts to contact you at the phone numbers you provided on your application; however, we have been unable to reach you. Fast Fund Lending is committed to customer satisfaction, and we would like to resolve this matter with you.

  Please be advised, your complaint with us has been marked as unresolved. If you would like to further discuss the details of your complaint, please reach out to us at ************ we do not hear from you within two (2) business days, your complaint will be closed.

  We would like the opportunity to address this matter with you directly, so please call us at ************

  Fast Fund Lending
  ****** ** *** ********* ************ ***************************** *******************************

  Business response

  03/22/2024

  March 21, 2024 
  
  Re: Your Recent Loan Balance Request
  
  Dear ******** *********
  Thank you for being a valued Fast Fund Lending customer. We received your balance request.  
  
  As of March 22, 2024, your account reflects a balance of ******** You can also access your current balance by logging into your account on our website at ************************
  
  You have 3 remaining payments in your payment schedule. Your next scheduled payment of ****** is due on March 22, 2024, followed by ****** on March 29, 2024, and your final payment of ****** on April 5, 2024.
  
  Should you have any additional questions regarding this letter, please feel free to call from 8:00 AM – 8:00 PM ET, Monday through Friday, at ************ or reply directly to this email.
  
  

• Initial Complaint

  03/04/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Submitted ACH Revocation forms to company on 03/01/2024. For the Record. Loan ******

  Business response

  03/28/2024

  
  WLCC Lending JEM DBA Explore Credit (Company) is in receipt of the above referenced complaint.  Unfortunately, we are unable to locate any account within our system using the name, address, email address and account number included.
  *** ******* can contact the Company email at ************** or via ***** ************************* to make his request to stop payments, however additional information is needed in order to locate the account.
  
  Sincerely,
  Compliance Department

• Initial Complaint

  12/18/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I took a loan out with first day loans and it was a ridiculously high interest rate like 400 or 500% interest, so I called to pay off the loan early on December 13 and I was told to pay it by debit card and I did in full. Two days later the company took an ACH from my bank account unauthorized for $14.25 the company refuses to give me my money back today as they want me to do a three-way call to verify that the money was taken from my account now they have the ACH I would not have known the amount of the ACH if I didn’t check my account so that it was taken and I’m not giving a company a three-way call where I have to enter in my security, information, pin, and password with them on the call when they stole money from me. They also are charging illegal interest by the state of Ohio rules. ********************************************************

  Business response

  12/18/2023

  First Day Loan (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. 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.

  
  In regard to ******* *******’ concerns relating to their billing issue and charging illegal interest in Ohio.
  First Day Loan is a tribal governmental entity, it is a wholly owned subsidiary of Wakpamni Lake
  Community Corporation (“WLCC”). WLCC is the wholly owned tribal economic development arm of the
  Wakpamni Lake Community government, a subsidiary municipal tribal government of the federally
  recognized Oglala Sioux Tribe of the Pine Ridge Indian Reservation (“Tribe”). The principal place of
  business and office of First Day Loan is at ** ******** **** **** ******** ***** South Dakota 57716
  on the Tribe’s Reservation. In addition, First Day Loan is wholly owned and controlled by the tribe, was
  established for the tribe's benefit, and formed pursuant to tribal law, thus sharing sovereign immunity,
  therefore, are not subject to state laws and licensing.

  
  The interest and fees applicable to the loan are permitted by Tribal law and they were accurately and
  clearly reflected in the loan agreement that was signed by ******* ******* before receiving the loan.
  The customer, ******* *******, emailed us on 12/15/23 requesting a refund in the amount of $14.25,
  and in an effort to resolve the Customer’s concerns, we have already refunded the funds today,
  12/18/23. It is our goal to work with our customers to resolve their concerns.
  We hope this resolved their concerns and will consider this complaint resolved.
  Sincerely,
  Compliance Department

  Customer response

  12/18/2023

  
  Complaint: 21011994
  
  I am rejecting this response because: I have since received another charge of $35.41 because they made me pay by debit card and their operation is not even in the United States. It’s in another country, so therefore it was held as a foreign transaction by my bank. It shows that they are clearly misrepresenting their tribal affiliation as they’re not even in the United States and, like I stated before they violated Ohio laws, as they are not licensed to do business in Ohio, and I am in Ohio, and they violated Ohio’s maximum interest rate law, so I would like my interest returned, as well as the fee that I was charged by my bank. I just want my money back if they’re not gonna do that then I’m gonna report this to the Iowa Attorney General’s office as well as to see if PB because they are misrepresenting themselves in acting unethically and possibly illegally
  
  Sincerely,
  
  ******* *******

• Initial Complaint

  12/12/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I took out a loan with this group DBA DAkota funding group earlier this year in an emergency. I have made payments and I still owe way more than I borrowed. I have also since found out these type of loans are illegal in my state. My husband has now lost his job and I am off work havign to care for my mother. I can not make these payments. Please consider my account as paid and closed, and do not take any more payments out.

  Business response

  01/03/2024

  Dakota Funding Group (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. 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.
  In regard to ****** ********** concerns relating to their statement that we are illegal in their state.
  Dakota Funding Group is a tribal governmental entity, it is a wholly owned subsidiary of Wakpamni Lake
  Community Corporation (“WLCC”). WLCC is the wholly owned tribal economic development arm of the
  Wakpamni Lake Community government, a subsidiary municipal tribal government of the federally
  recognized Oglala Sioux Tribe of the Pine Ridge Indian Reservation (“Tribe”). The principal place of
  business and office of Dakota Funding Group is at ** ******** **** **., Wakpamni Lake, South Dakota
  57716 on the Tribe’s Reservation. In addition, Dakota Funding Group is wholly owned and controlled by
  the tribe, was established for the tribe's benefit, and formed pursuant to tribal law, thus sharing
  sovereign immunity, therefore, are not subject to state laws and licensing.
  The interest and fees applicable to the loan are permitted by Tribal law and they were accurately and
  clearly reflected in the loan agreement that was signed by ****** ******** before receiving the
  loan.
  In an effort to resolve the Customer’s concerns we encourage ****** ******** to contact a
  supervisor at ************ to discuss payment options on their loan, as we would like to offer a
  payment plan, and then consider the loan paid off. It is our goal to work with our customers to resolve
  their concerns.
  We hope this resolved her concerns and will consider this complaint resolved.
  Sincerely,
  Compliance Department

  Customer response

  01/03/2024

  
  Complaint: ********
  
  I am rejecting this response because:
  I have more than paid back the loan and it should be closed as is 
  Sincerely,
  
  ****** ********

• Initial Complaint

  12/04/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I applied to see if I would qualify for a loan thru a website that was NOT ******** ****** *****. Apparently that company forwarded on my information to other loan companies to see if I would qualify for a loan. ******** ****** ***** was one of those companies. I never directly applied with them nor did I accept a loan from them, sign any documents or provide my banking info. However, the lender deposited $500 in my account on 11/21 and started debiting my account for $158.09 on 11/30. I have attempted to contact the company during their stated business hours and only get and answering services and no call back. I received a vague email and responded back with my concerns and of course I’m sure I won’t get a reply or it will be more vague dialogue. This company knows that their practices are deceptive and downright criminal which is the reason they give the run around. I’m sure I’m not the first person to experience this nightmare. I only realized this situation on today 12/4 when I reviewed my bank account in detail which I do once a month. After researching I discovered I’m expected to pay back over $2,000 for a loan I never authorized and never accepted and how exactly are they obtaining consumers bank account information if we aren’t providing? This is definitely can’t be in compliance. I work at a financial institution so I definitely would know this isn’t kosher. Then it appears they hide behind the veil of we don’t fall under traditional government and fall under the Wakpami Lake Community Government laws which of course isn’t easy to locate what those laws consist of. Definitely unscrupulous practices. I am returning the $500 minus the $158.09 debited from my account and want all future debits to my account cancelled. I don’t know how they have gotten away with this for this long!

  Business response

  12/06/2023

  December 6, 2023
  
  BBB Midwest Plains
  ***** * ******
  Omaha, NE 68137
  800-649-6814
  ***********
  
  Subject: ***** *********** *** ********
  
  To Whom it May Concern,
  
  WLCC Lending HBC dba National Nation Loans is in receipt of the complaint filed by ***** Richardson on 12.4.23 and would like to take this opportunity to respond.
  
  WLCC Lending HBC dba ******** ****** ***** is a tribal governmental entity, it is a wholly owned subsidiary of Wakpamni Lake Community Corporation (“WLCC”). WLCC is the wholly owned tribal economic development arm of the Wakpamni Lake Community government, a subsidiary municipal tribal government of the federally recognized Oglala Sioux Tribe of the Pine Ridge Indian Reservation (“Tribe”). The principal place of business and office of ******* ****** ** ** ** ******** **** ***, Wakpamni Lake, South Dakota 57716 on the Tribe’s Reservation. In addition, Explore Credit is wholly-owned and controlled by the tribe, 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.
  
  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 the Complainants name to borrow $500.00 from National Nation Loans on 11.21.2023. Per that agreement, the $500.00 was deposited into ****** ************ ******** account ending in -****, the bank account listed on the agreement, on 11.22.2023.
  
  We understand that ****** ********** may not have realized they were signing the loan agreement when the button was clicked.
  
  However, due to their concerns, we can begin the process of cancelling their loan and closing the account, but first we must receive back the entirety of the principal that we deposited into bank account information on file.
  
  A scheduled withdrawal in the amount of $500.00 is to be debited from the bank account on file. We are proposing that this transaction take place on 12.15.2023. We note that the initial payment that we processed according to the loan agreement has been returned to us on 12.4.2023 as an R10 returned payment, making the transaction unsuccessful.
  
  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.
  
  We look forward to hearing from you.
  
  Thank you,

• Initial Complaint

  11/29/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Was lent $500 and was supposed to be a set total number of payments but my balance never changer goes down to 8 something and now back to $933 since loan was funded on 8-28-2023 with me paying $80 a week and they provide a phone number that has not worked in over 2 months even when they provided me through text with the same number ************ to speak to a customer service rep this is just a rip off for them to keep charging $80 a week and no payoff in sight and can’t see the total loan agreement on line only shows you upcoming payment nor access to the contract a total scam being ran

  Business response

  11/30/2023

  ****** ******* ***** ********* 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. 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.

  
  In regard to ******* ********** concerns relating to their statement that he views this as a scam loan.

  
  Falcon Funding Group is a tribal governmental entity, it is a wholly owned subsidiary of Wakpamni Lake
  Community Corporation (“WLCC”). WLCC is the wholly owned tribal economic development arm of the
  Wakpamni Lake Community government, a subsidiary municipal tribal government of the federally
  recognized ****** ***** ***** ** *** **** ***** ****** *********** (“Tribe”). The principal place of
  business and office of Falcon Funding Group is at ** ******** **** ***, Wakpamni Lake, South Dakota
  57716 on the Tribe’s Reservation. In addition, Falcon Funding Group is wholly owned and controlled by
  the tribe, was established for the tribe's benefit, and formed pursuant to tribal law, thus sharing
  sovereign immunity, therefore, are not subject to state laws and licensing.

  
  The interest and fees applicable to the loan are permitted by Tribal law and they were accurately and
  clearly reflected in the loan agreement that was signed by Anthony Clarkson before receiving the loan.
  

  In an effort to resolve the Customer’s concerns we encourage Anthony Clarkson to contact a supervisor
  at ************ to discuss payment options on his loan, as we would like to settle the full amount on
  $300.00 and then consider the loan paid off. It is our goal to work with our customers to resolve their
  concerns.

  
  We hope this resolved her concerns and will consider this complaint resolved.

• Initial Complaint

  10/09/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I just want to push my payment for October to the end of the loan. They are telling me they have not received the correct information from the bank and that's untrue. They can make a decision based on the fact that I make all my payments on time. I just wasted 2 hours of my time today.

  Business response

  10/09/2023

  Good Morning:
  
  Please let me know the name of the lender that you have your account with.  We have multiple lenders and I need this information in order to get your request to the correct person.
  
  Thank You!

  Customer response

  10/09/2023

  I don't know who you are.  They took care of it already.  

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