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Initial Complaint
01/25/2022
Complaint Type:
Service or Repair Issues
Status:
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.
I contacted the company for a payment arrangement and it was agreed upon to begin in January for 50 a month. Now I'm told it was a mail in arrangement, which I did NOT agree to. I provided debit info. A rep called to tell me they don't store debit card information. So why was I able to do it with one rep and now it's not available?
Business response
02/04/2022
February 4, 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 Loans
Initial Complaint
01/22/2022
Complaint Type:
Billing Issues
Status:
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.
I am being double charged because they are attempting to debit my account weekly when they are supposed to debit it bi-monthly. I believe the business has be comprised and the people calling me are not the actual business.
Business response
02/01/2022

February 1, 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 ************ 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 Loans
Initial Complaint
01/17/2022
Complaint Type:
Sales and Advertising Issues
Status:
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.
In May 2021 I took out a loan through BlueTrust Loans (Hummingbird Funds, LLC) as I had used them before for hardships. The loan was for $2,800. I have recently had my pay reduced as a result of the ongoing pandemic. To date, I have paid $6,622 towards this loan, which is clearly higher than the 30% interest rate that is legal to approve to anyone living in *****. I would like help getting this closed.
Business response
01/25/2022
January 25, 2022

Blue Trust Loans
**********************************************************************************************************************************************************************************************************************************************************************************************************************************************************

Via E-mail to: **********************************************

*************************
Better Business Bureau

Re: ****************************************************

I am writing on behalf of Blue Trust Loans in response to your letter notifying us of Mr. ******** 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 Loans
Initial Complaint
01/09/2022
Complaint Type:
Order Issues
Status:
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.
I took out a loan in the amount of $825. In the initial call, the representative I worked with did not advise me of the high interest rate. The interest rate is over 600%. I would never have agreed to that if I had been properly informed up front. I think this is done purposely, as nobody would agree to that. I have now paid them back $1,384.02, and my balance is still at $1,000.00 which is higher than the initial loan. Upon a phone call to the company asking how my balance is still so high, the representative advised me that they are not applying any of my payment towards my balance and if I want anything to go towards my balance I would need to make additional payments over the $400 monthly payments I am already making, or I will only be paying towards the interest and the loan will not get paid. I obviously, needed additional help, so how am I supposed to be able to afford these terms?! I have paid the loan back plus interest, and yet I still owe the balance of the full amount of the loan plus interest. This is absolutely unethical, and should not be happening. People that take these loans are not in the best financial spot, (for whatever the reason may be) or they wouldn't need the loan. This company preys on those that need help, and bleed them dry. Causing them to be in an even bigger financial mess than they started out in. In my contact with the company they were unwilling to hear my concerns. I was not advised of the terms of the loan. I would never have knowingly and willingly put myself in such a financial strain. The business practice of this company is deceitful and no one should ever be put in this position.
Business response
01/24/2022
TeJanuary 24, 2022

Blue Trust Loans
**********************************************************************************************************************************************************************************************************************************************************************************************************************************************************

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 Loans
Initial Complaint
12/22/2021
Complaint Type:
Billing Issues
Status:
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.
August 31. I took a loan out for 700 dollars for an emergency. I checked my loan details today today and discover that Id be paying back over **** dollars for this loan. Thats over 400% so far Ive made every payment on time in full and my principle is still 634 dollars on a 700 dollar loan. This is predatory and I was told a different number and a different payment ending date when I applied for the loan. If I had known that the interest was this high I would have not taken out any loan. I would not recommend this company for any emergency.
Business response
12/30/2021
December 30, 2021

Blue Trust Loans
**********************************************************************************************************************************************************************************************************************************************************************************************************************************************************

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 ************** 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 Loans
Initial Complaint
12/13/2021
Complaint Type:
Billing Issues
Status:
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.
June 2021 taken out loan for $2,500 due to a hardship situation, I didn't realize the interest was so so high, the column is the payment schedule, to date as of October 2021 I have already paid back this loan plus heavy interest. Total of $4,640.08 - I want this loan stopped and discontinued, next payment is Dec. 14, for $1,194.53.NumberDue DatePrincipal BalanceInterestPrincipal PaydownPayment DueEnding Principal 1 6/14/2021 $2,500.00$1,030.70$25.79 $1,056.49 $2,474.21 2 8/13/2021 $2,474.21$1,156.69$37.84 $1,194.53 $2,436.37 3 9/14/2021 $2,436.37$1,138.99$55.54 $1,194.53 $2,380.83 4 10/14/2021$2,380.83$1,113.03 $81.50 $1,194.53 $2,299.33 I need help in getting this closed.
Business response
12/27/2021
Note to ****:
Apologies for the delay in response to your request. The customer was contacted directly and her concern on this matter was resolved on December 17th, 2021. The letter below was prepared on the same day but unfortunately appears to have not been posted to the BBB website. Please contact me directly at ***************************** if there are any questions.
----------------------------------
December 17, 2021

Blue Trust Loans
****************************************************

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 **************** 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 Loans
Initial Complaint
11/29/2021
Complaint Type:
Order Issues
Status:
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.
BLUE TRUST LOANS DIDNT PROVIDE ACCURATE INFORMATION HOW YOU ARE PAYING VERY HIGH INTEREST AND I WOULD HAVE TO PAY A LOAN OF 500 DOLLARS INTO **** DOLLARS. I AM COMPLAIN BECAUSE i RECINDED AGREEMENT. I WANT THEM TO HONOR WITHOUT ANY PENALTY. I DON'T WANT MONEY FROM THEM. THANK YOU
Business response
12/10/2021

December 10, 2021

Blue Trust Loans
**********************************************************************************************************************************************************************************************************************************************************************************************************************************************************

Via E-mail to: ****************************************************

*******************
Better Business Bureau

Re: ***********************************************

I am writing on behalf of Blue Trust Loans in response to your letter notifying us of Mr. ******* 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 Loans
Initial Complaint
10/20/2021
Complaint Type:
Order Issues
Status:
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.
On April 24 2021 I borrowed $2300 from Blue Trust Loans, got a verbal explanation and gave a verbal agreement at a time of huge stress. My complaint is that I NEVER received any written loan documents or any communication at all from Blue Trust Loans as to the payment status of the loan to make it clear that instead of an interest rate of about 20% it would be over 450% and that I would be paying 700 a month through January 2022 for a total of over **** dollars. I'd have made a different decision if I knew about upfront interest at over 450% I think it's deceptive to not communicate with borrowers I apparently still owe $2400 which itself is more than the original loan. This would NOT be the case if I'd received any information from this company. I computed my payment based on the original advertised rate of ****% not over 450%. I think my terms should be adjusted due to a total lack of communication during my covid nightmare. Communication policies need review by lender too.
Business response
11/09/2021
November 9, 2021

Blue Trust Loans
**********************************************************************************************************************************************************************************************************************************************************************************************************************************************************

Better Business Bureau

Re: ********************* *****

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 of ********* (the Tribe), a federally-recognized sovereign American Tribe.? The consumers loan was made by us as provided in the Tribes Credit Transaction 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,
Blue Trust Loans
Initial Complaint
09/29/2021
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
On September 24, 2021, a loan was approved to me of $1000.00 from Blue Trust Loans. After receiving the monies from the loan, do I receive details of the repayment plan. The Annual Percentage Rate is a whopping ******% with a Finance Charge of a whopping $3,418.36! This is price gouging and a ridiculous amount of money to pay back for a $1000.00 loan. So in total, I'll have to pay back ******** for borrowing 1,000.00.What is usury law?Usury law sets a limit on the amount of interest that can be charged on different kinds of loans. I live in ************** the *** on loan interest here is 8 percent. "What is the ***imum interest rate allowed by law in NC? ************** interest rate laws set the ***imum rate at 8 percent, but explicitly allow consumers and creditors to "contract for a higher rate." State law also exempts mortgage loans, equity lines of credit, and some other types of credit from the statutory limit."
Business response
10/13/2021
October 8, 2021

Blue Trust Loans
**********************************************************************************************************************************************************************************************************************************************************************************************************************************************************

*******************
Better Business Bureau

Re: Case #********: *************************

I amwriting on behalf of Blue Trust Loans in response to your letter notifying usof Ms. ******* complaint.

Blue TrustLoans is a brand of Hummingbird Funds, LLC, a tribal lending agency of and asovereign enterprise, wholly-owned and controlled by the Lac Courte OreillesFinancial Services, LLC, an economic development arm and instrumentality of theLac Courte Oreilles Band of Lake Superior Chippewa Indians of ********* (theTribe), a federally-recognized sovereign American Tribe.? Theconsumers loan was made by us as provided in the Tribes Credit TransactionCode.? Blue Trust Loans contracts, including the loan agreement thecomplainant signed, clearly designate the Tribes law as governing itstransactions and provides all disclosures required by the Tribe and ****federal law.

BlueTrust Loans values its customers and is disappointed that **************** wasdissatisfied with our services. Therefore, we have contacted this customer directlyin reference to their complaint.
Pleasecontact us by phone at ************ from 7 a.m. to 7 p.m. CST, Monday throughFriday, or by email at ************************************ should you have any questionsregarding this letter.
Sincerely, Blue Trust Loans
Customer response
10/18/2021
[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,

*************************
Initial Complaint
09/08/2021
Complaint Type:
Billing Issues
Status:
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.
I took out a loan for $400 in June in which $300 was deducted and Blue Trust Loans started deducting $238.00 per month. I was told verbally that I could pay off the loan in any timing. I put Stop payment so that I could settle it,and stop the $238 deductions which added to $1057.00 on $400.00
Business response
09/16/2021
September 16,2021

Blue Trust Loans
************************
Hayward, Wisconsin54843

Via E-mail to: ****************************************************

*******************
Better Business Bureau

Re: *********************************************

I amwriting on behalf of Blue Trust Loans in response to your letter notifying usof **************** complaint.
Blue TrustLoans is a brand of Hummingbird Funds, LLC, a tribal lending agency of and asovereign enterprise, wholly-owned and controlled by the Lac Courte OreillesFinancial Services, LLC, an economic development arm and instrumentality of theLac Courte Oreilles Band of Lake Superior Chippewa Indians of ********* (theTribe), a federally-recognized sovereign American Tribe.? Theconsumers loan was made by us as provided in the Tribes Credit TransactionCode.? Blue Trust Loans contracts, including the loan agreement thecomplainant signed, clearly designate the Tribes law as governing itstransactions and provides all disclosures required by the Tribe and ****federal law.
Blue TrustLoans values its customers and is disappointed that ************** was dissatisfiedwith our services. Therefore, we have contacted this customer directlyin reference to their complaint.
Pleasecontact us by phone at ************ from 7 a.m. to 7 p.m. CST, Monday throughFriday, or by email at ************************************ should you have any questionsregarding this letter.
Sincerely,
Blue Trust Loans

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