ComplaintsforBlue Trust Loans
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Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
06/08/2022
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
This companies website has been not found since May 20 making people unable to login to their accounts. I called to inquire and the lady says they cannot comment on the status of the website. Claims that the site was updated on May 20 and they don't know what's going on and she could not comment any further. Seems fishy to meBusiness response
06/24/2022
eLoanWarehouse (***) loan management system.
It is important for you to know that both Blue Trust Loans and eLoanWarehouse have the same owner - the Lac Courte Oreilles Band of Lake Superior Chippewa Indians. Your displeasure is legitimate and please accept our sincere apology as we work to resolve this inconvenience.
eLoanWarehouse is working diligently to resolve the issues with data transfers to the new loan management system. We appreciate your patience as we resolve these technical issues.
Please contact us by phone at ************ from 8 a.m. to 4 p.m. CST Monday through Friday, or by email at ***************************** should you have any questions regarding this transition.
Sincerely,
eLoanWarehouse
Hummingbird Funds, LLC d/b/a Blue Trust Loans and Opichi Funds, LLC d/b/a eLoanWarehouse are tribal lending agencies of a sovereign enterprise, wholly-owned and controlled by Lac Courte Oreilles Financial Services, LLC and Lac Courte Oreilles Financial Services II, LLC respectively. They are economic development arms and instrumentalities of the Lac Courte Oreilles Band of Lake Superior Chippewa Indians, a federally-recognized sovereign nation located within **************************** and is operating within the tribes reservation. All Loans are made pursuant to the Lac Courte Oreilles Tribal Consumer Financial Services Regulatory Code. Blue Trust Loans and eLoanWarehouse operate in accord with Tribal law, including following the principles of all federal consumer protection laws. As a ***************** entity, Blue Trust Loans and/or eLoanWarehouse are not subject to suit or service of process. Nothing in this letter is intended to waive or otherwise prejudice Blue Trust Loans or eLoanWarehouse entitlement to these protections. You may be limited as to what legal action you might bring against Blue Trust Loans or eLoanWarehouse. For more information regarding doing business with a sovereign entity, please visit https://eloanwarehouse.com
Please see attached...
Initial Complaint
06/07/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I have an account with Blue Trust Loans. They used to have a website on ****** that i was able to log into my account but as of today there are no websites available for this company. When i emailed them they sent me an email back saying their systems were down and they were unable to help me at this time. I can not find a phone number or anything for this company. It is also under the name hummingbird but i can not find any information on them either. I need help please!Business response
06/24/2022
I am writing on behalf of eLoanWarehouse regarding ****************** complaint.
eLoanWarehouse is a brand of Opichi Funds, LLC, a tribal lending agency of and a sovereign enterprise, wholly-owned and controlled by the Lac Courte Oreilles Financial Services II, LLC, an economic development arm and instrumentality of the Lac Courte Oreilles Band of Lake Superior Chippewa Indians, a federally-recognized sovereign nation located within **************************** and is operating within the tribes reservation. The consumers loan was made by ** as provided in the Lac Courte Oreilles Tribal Consumer Financial Services Regulatory Code. eLoanWarehouse contracts, including the loan agreement the complainant signed, clearly designate the Tribes law as governing its transactions and provides all disclosures required by the Tribe and **** federal law.
eLoanWarehouse values its customers and is disappointed that **************** was dissatisfied with our services. Therefore, we have contacted her directly in reference to her complaint.
Please contact ** by phone at ************ from 8 a.m. to 4 p.m. CST, Monday through Friday, or by email at ***************************** should you have any questions regarding this letter.
Sincerely,
eLoanWarehouse
Please refer to attachment...
Initial Complaint
05/25/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
I took out a loan in Blue Trust around 03/21/2022 for $1,200 due to hardship with medical expenses. I have been paying on time as per usual, however unfortunately, around end of April I got laid off at work into part-time status due to my health. I tried to appeal with Blue Trust Loans for a hardship in terms of payment and requested a decrease in minimal payment to reflect my salary (since the payment with them was biweekly and super steep), since I would not be able to afford it otherwise. Unfortunately, I was not given consideration to this, resulting in me literally not being able to pay them back as per usual since my bank account does not have enough funds to cover their minimim required payment anymore. I feel unless I take out another loan to pay them in full my interest rates with them will never end, since per missed payment my principal amount doesn't seem to be decreasing, and the rate they are going at is ridiculously high. I would never have gone to them if it weren't for me having a hardship related to my health.Business response
05/31/2022
Please refer to the attachment...
Thank you, *******************
Initial Complaint
05/24/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
Trying to charge an interest fee of 400% after loan has already been paid for.Business response
06/03/2022
Please refer to attachment...
Initial Complaint
04/15/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
I borrowed $600 and now I'm being told that my total did is over$4000 I have been paying well over my original payment total due. I have requested my contact with no avail. I have been experiencing an extreme hardship and need this to STOPBusiness response
04/19/2022
Please see attached letter...
Initial Complaint
03/29/2022
- Complaint Type:
- Order Issues
- Status:
- Resolved
I took out a $425 loan from Blue Trust Loans an Aug 17, 2021. I have made every payment except for one and have paid them so far counting the next payment coming out here this week $1,423.20. More than enough to have paid off the loan. I can't afford to make these payments any more everything that is happening in my life. I would like to have this loan paid in full with no further contact to me.Business response
04/08/2022
Please see the attached file...
I am writing on behalf of Blue Trust Loans in response to your letter notifying us of Ms. ****** complaint.
Blue Trust Loans is a brand of Hummingbird Funds, LLC, a tribal lending agency of and a sovereign enterprise, wholly-owned and controlled by the Lac Courte Oreilles Financial Services, LLC, an economic development arm and instrumentality of the Lac Courte Oreilles Band of Lake Superior Chippewa Indians, a federally-recognized sovereign nation located within ****************************, and is operating within the tribes reservation. The consumers loan was made by us as provided in the Lac Courte Oreilles Tribal Consumer Financial Services Regulatory Code. Blue Trust Loans contracts, including the loan agreement the complainant signed, clearly designate the Tribes law as governing its transactions and provides all disclosures required by the Tribe and **** federal law.
Blue Trust Loans values its customers and is disappointed that Ms. ***** was dissatisfied with our services. Therefore, we have contacted this customer directly in reference to their complaint.
Please contact us by phone at ************ from 7 a.m. to 7 p.m. CST, Monday through Friday, or by email at ************************************ should you have any questions regarding this letter.
Sincerely,
Customer response
04/11/2022
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Regards,
****** LnameInitial Complaint
03/15/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
I have taken out a **** loan for an emergency. I have made several weekly payments in the last 7 weeks but my principal balance keeps growing(now ****** over what I borrowed for a total of 1****** in principal due) after paying ****** to date. The Payment Schedule provided on my loan page shows that my principal should be going down so this misrepresents what I was originally told. I also pay over 600% interest and if I wasn't in a hard ship I would have never gotten this loan.Business response
03/24/2022
Please see attached letter...Initial Complaint
03/14/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
To:Blue Trust ******************** Regarding:Loan #********* Account Status: Active $978.36 of of 3/24/2022 Note: Paid by direct withdrawal from my Bank Account at this time ****** Payment every 2 weeks as thats my payroll ****** for ****** a month for 9 months See table below. Please advise Compliant:I spoke by phone, with a Blue Trust Loans Customer Representative. This Representative did did not provide me information regarding the interest rates. I was shocked, these rates were much higher than I had seen elsewhere. After, I was approved and sign I received my loan documents per phone, and busy at work, was not until late that night I check my email for the documents. I did not receive clear information, check your recording. I was so shocked to see this, what I did for $800 dollars. For the $800 dollars I was scheduled to pay back for $3525.00 for 9 months. Please see below:Schedule Due DatePrincipal BalancePayment DueEnding Principal 2/10/2022$800.00$125.18$796.16 2/24/2022$796.16$******$791.37 3/10/2022$791.37$******$785.41 3/24/2022$785.41$******$777.98 4/7/2022$777.98$******$768.73 4/21/2022$768.73$******$757.21 5/5/2022$757.21$******$742.85 5/19/2022$742.85$******$724.97 6/2/2022$724.97$******$702.70 6/16/2022$702.70$******$674.95 6/30/2022$674.95$******$640.39 7/14/2022$640.39$******$597.32 7/28/2022$597.32$******$543.70 8/11/2022$543.70$******$476.89 8/25/2022$476.89$******$393.67 9/8/2022$393.67$******$290.00 9/22/2022$290.00$******$160.86 10/6/2022$160.86$200.40$0.00 This was to be a short term installment loan, I was thinking I could pay off in several payments. The interest rates were unclear and not fully explained to me not explained by the Representative that the total would be about **** dollars 9 months. This is s nightmare. I am angry at myself for falling into this situation with Blue Trust, that is so unethical and predatory.Business response
03/22/2022
see attached...Initial Complaint
03/11/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
blue trysr loans says i owe them money have not even heard of this.does this go on my credit report . they have not one star with you please help.Business response
03/24/2022
Please see attachment...
I am writing on behalf of Blue Trust Loans in response to your letter notifying us of Ms. ********* complaint.
Blue Trust Loans is a brand of Hummingbird Funds, LLC, a tribal lending agency of and a sovereign enterprise, wholly-owned and controlled by the Lac Courte Oreilles Financial Services, LLC, an economic development arm and instrumentality of the Lac Courte Oreilles Band of Lake Superior Chippewa Indians, a federally-recognized sovereign nation located within ****************************, and is operating within the tribes reservation. The consumers loan was made by us as provided in the Lac Courte Oreilles Tribal Consumer Financial Services Regulatory Code. Blue Trust Loans contracts, including the loan agreement the complainant signed, clearly designate the Tribes law as governing its transactions and provides all disclosures required by the Tribe and **** federal law.
Blue Trust Loans values its customers and is disappointed that ******************** was dissatisfied with our services. Therefore, we have contacted this customer directly in reference to their complaint.
Please contact us by phone at ************ from 7 a.m. to 7 p.m. CST, Monday through Friday, or by email at ************************************ should you have any questions regarding this letter.
Initial Complaint
03/10/2022
- Complaint Type:
- Billing Issues
- Status:
- Resolved
During the Covid 19 pandemic ran into tough times like many Americans. On 11/12/21 apply online for small loan. Blue Trust Loans pop up. Fill out application was contacted by blue trust loans. They told me I was approved to take a loan. I was facing a hardship so I ask for $700.00 dollars. Payments to start on 11/26/21 at $93.48. Was to be taken out of my account every Friday. As of 03/11/22 have paid a total of $********. At ****** a month. Which this loan should be paid in full. I do not see this loan going down. Because when I look at loan documents they have me at ******% Finance charge of $2,665.26 off of $700.00 loan. Says final payment 08/05/22. Im in ******************* this loan is illegal can not charge anyone more than 36%. I took $700.00 dollar loan but this company illegally charging me ******% which is illegal. I have paid this lender ******** as 03/11/22. To think they are trying to get $3,365.26 off $700.00 loan is ridiculous.This company needs to review by bbb or fined for illegal practices and over charging customers. I would like this account to be paid in full and account closed. This illegal shouldnt be allowed to do business in **********.Business response
03/17/2022
March 16, 2022
Blue Trust Loans
13526 ******************
*******,********* 54843
Via E-mail to: **********************************************
*************************
Better Business Bureau
Re: Case # ******** *********************************
I am writing on behalf of Blue Trust Loans in response to your letter notifying us of Ms. ******** complaint.
Blue Trust Loans is a brand of Hummingbird Funds, LLC, a tribal lending agency of and a sovereign enterprise, wholly-owned and controlled by the Lac Courte Oreilles Financial Services, LLC, an economic development arm and instrumentality of the Lac Courte Oreilles Band of Lake Superior Chippewa Indians, a federally-recognized sovereign nation located within ****************************, and is operating within the tribes reservation.? The consumers loan was made by us as provided in the Lac Courte Oreilles Tribal Consumer Financial Services Regulatory Code. Blue Trust Loans contracts,including the loan agreement the complainant signed,clearly designate the Tribes law as governing its transactions and provides all disclosures required by the Tribe and **** federal law.
Blue Trust Loans values its customers and is disappointed that ****************** was dissatisfied with our services. Therefore, we have contacted this customer directly in reference to their complaint.
Please contact us by phone at ************ from 7 a.m. to 7 p.m. CST, Monday through Friday, or by email at ************************************ should you have any questions regarding this letter.
Sincerely,
Blue Trust LoansCustomer response
03/18/2022
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Regards,
*********************************
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Contact Information
Customer Complaints Summary
31 total complaints in the last 3 years.
0 complaints closed in the last 12 months.