ComplaintsforCash Aisle

• Initial Complaint

  02/28/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  Not sure how a company like this is even in business. I took out a loan for $500 during a medical crisis and it has now ballooned to over $5000. Not sure how this is even possible. I've reached out several times to set up a settlement because unfortunately I cannot afford the outrageous amount that they are wanting to collect on. Not sure how I can be expected to pay $5000 for a loan of $500. I've reached out to this company multiple times via email but my emails ignored and not answered. I believe it's a tactic to make you pay more interest since it accumulates daily. I finally got through to someone on the phone and she was no help as well, she advised me that collection activities will continue. This has caused me a tremendous amount of sleepless nights and anxiety for the last few years. For anyone reading these reviews and considering getting a loan with these people, DON"T. Save yourself the headache.

  Business response

  03/01/2023

  Please see attached response.

  This responds to the above-referenced complaint. This inquiry related to a loan from
  Niibin,LLC dba Cash Aisle (the Company), which is owned by the *** du ******** Band of
  Lake Superior Chippewa Indians (Tribe). The Company takes these types of inquiries very
  seriously and would like to provide you with the below information. Nothing in this
  communication should be construed as a waiver of the Tribes or the Companys sovereign
  immunity, all of which are expressly preserved.
  The Company is a wholly owned and operated subsidiary of LDF Holdings, LLC (LDF
  Holdings). LDF Holdings is a wholly owned and operated subsidiary of the ******************************************* which is a wholly owned and operated economic arm and
  instrumentality of the Tribe. The Tribe is a federally recognized Indian tribe, organized under a
  Constitution pursuant to the Indian Reorganization Act of ****, 48 *************************, et
  seq., as amended, and is identified on ***************** ********** of ********* list of federally
  acknowledged Indian Tribes. ************** (July 23, 2018). 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. ******************* Econ. **** ****** 677 F. Supp.
  2d ****, **** (W.D. ***. 2010) (holding that entities acting as arms of a tribe are entitled to tribal
  sovereign immunity).
  The Company issues loans in accordance with the Tribes ************************* Services
  Regulatory Code and it is licensed under Tribal law. The customers 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 customers loan is legal.
  Although not required to do so, as a courtesy, the Company will reach out to the customer
  with an offer to resolve their loan.
  The customer can call the Company at ************** if there are further questions or
  concerns.
  
  DocuSign Envelope ID: ************************************
  
  Niibin, LLC dba Cash Aisle
  Po Box 872
  ***************, ** 54538
  
  LDF Holdings, LLC
  Po Box 231
  ***************, ** 54538
  The Company trusts that the complainant will find this letter of explanation satisfactory.
  However, if the complainant is not satisfied with the Companys resolution of this matter, pursuant
  to Section 10 of the ************************* Services Regulatory Ordinance, which can be
  
  found at *******************************************************************************
  Financial-Services-Reulatory-Ordinance.pdf, he/she may pursue formal dispute resolution with
  
  the ************************* Services Regulatory Authority ************ To do so, he/she
  must send a written request to the Authority at *************************************************************** 54538.
  The request must contain the information required by Section 10 of the *************************
  Services Regulatory Ordinance.
  
  Kindest Regards,

• Initial Complaint

  02/17/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I signed a contract for a loan in a tribal law area, I no longer feel it is fair I have to pay so much money. I signed the contract but that doesn't give them the right to ask for so much money, they are loan sharking and their laws should not override *******!!!

  Business response

  02/22/2023

  To Whom It May ******************* responds to the above-referenced complaint. This inquiry related to a loan from Niibin, LLC dba Cash Aisle (the Company), which is owned by the *** du ******** Band of Lake Superior Chippewa Indians (Tribe). The Company takes these types of inquiries very seriously and would like to provide you with the below information. Nothing in this communication should be construed as a waiver of the Tribes or the Companys sovereign immunity, all of which are expressly preserved.

  The Company is a wholly owned and operated subsidiary of LDF Holdings, LLC (LDF Holdings). LDF Holdings is a wholly owned and operated subsidiary of the **************************************** which is a wholly owned and operated economic arm and instrumentality of the Tribe. The Tribe is a federally recognized Indian tribe, organized under a Constitution pursuant to the Indian Reorganization Act of ****, 48 *************************, et seq., as amended, and is identified on ***************** ********** of ********* list of federally acknowledged Indian Tribes. ************** (July 23, 2018). 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. ******************* Econ. **** ****** 677 F. Supp.2d ****, **** (W.D. Wis. 2010) (holding that entities acting as arms of a tribe are entitled to tribal sovereign immunity).

  The Company issues loans in accordance with the Tribes ************************* Services Regulatory Code and it is licensed under Tribal law. The customers 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 customers loan is legal.

  As a courtesy, even though not obligated to do so, we have closed the subject loan and will consider it paid in full.

  The customer can call the Company at ************** if there are further questions or concerns.DocuSign Envelope ID: *********************************************************** dba Cash Aisle ***************************************************** LDF Holdings, LLC *****************************************************

  The Company trusts that the complainant will find this letter of explanation satisfactory.However, if the complainant is not satisfied with the Companys resolution of this matter, pursuant to Section 10 of the ************************* Services Regulatory Ordinance, which can be found at ************************************************************************************************************************, he/she may pursue formal dispute resolution with the ************************* Services Regulatory Authority ************ To do so, he/she must send a written request to the Authority at ************************************************************************* request must contain the information required by Section 10 of the ************************* Services Regulatory Ordinance.

  Kindest Regards,______ __

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

  Compliance Manager

  Niibin, LLC dba Cash Aisle

• Initial Complaint

  11/23/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I took out a loan from Cash Aisle for 500 dollars in December 2021. The first payment came out on different date then I authorized, however, luckily I had money in my bank account to cover it. After that each payment came out of my account automatically each month. I contacted Cash Aisle to request to have a half payment due financial difficulties come out for October 2022. I also asked for the remainder that was due so that it could be paid off in November. A payment for 475 came out of my bank account as agreed. I called today to make sure that my account was marked as paid in full since I had not received anything stating so I was told that I still owe 380 dollars! I have paid over ***** dollars now on a 500 dollar loan. I contacted legal aide and found out that there are legal requirements in my ***********)for these types of loans. Cash Aisle is not licensed in my state and follow the loan requirements for my state making their practices illegal. When I called Cash Aisle the first time the customer service representative was rude, cut me off when I was speaking, and hung up on me. I called back and asked to speak to a manager and the representative laughed while on the phone with me before transferring me. When I spoke to the manager and informed her that I should not owe anymore money due to my last payment and that they are not licensed in my state, she said they do not have to be because they have tribal immunity. I told her that I would be filing a complaint and she asked why? I stated that they are not following the requirements of my state and that tribal immunity does not allow break state and federal laws. She again told me that they have tribal immunity. I told her that I have paid way over the amount of the original loan and that it was supposed to be paid off. . She stated that additional interest of 5 dollars is added each day. She was very rude, raised her voice, and laughed at me. I called back to revoke authorization for automatic payment.

  Business response

  11/29/2022

  This responds to the above-referenced complaint. This inquiry related to a loan from
  Niibin, LLC dba Cash Aisle (the Company), which is owned by the *** du ******** Band of
  Lake Superior Chippewa Indians (Tribe). The Company takes these types of inquiries very
  seriously and would like to provide you with the below information. Nothing in this
  communication should be construed as a waiver of the Tribes or the Companys sovereign
  immunity, all of which are expressly preserved.
  The Company is a wholly owned and operated subsidiary of LDF Holdings, LLC (LDF
  Holdings). LDF Holdings is a wholly owned and operated subsidiary of the ******************************************* which is a wholly owned and operated economic arm and
  instrumentality of the Tribe. The Tribe is a federally recognized Indian tribe, organized under a
  Constitution pursuant to the Indian Reorganization Act of ****, 48 *************************, et
  seq., as amended, and is identified on ***************** ********** of ********* list of federally
  acknowledged Indian Tribes. ************** (July 23, 2018). 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. ******************* Econ. **** ****** 677 F. Supp.
  2d ****, **** (W.D. ***. 2010) (holding that entities acting as arms of a tribe are entitled to tribal
  sovereign immunity).
  The Company issues loans in accordance with the Tribes ************************* Services
  Regulatory Code and it is licensed under Tribal law. The customers 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 customers loan is legal.
  As a courtesy, even though not obligated to do so, we have closed the subject loan and
  will consider it paid in full.
  The customer can call the Company at ************** if there are further questions or
  concerns.
  
  DocuSign Envelope ID: ************************************
  
  Niibin, LLC dba Cash Aisle
  Po Box 872
  ***************, ** 54538
  
  LDF Holdings, LLC
  Po Box 231
  ***************, ** 54538
  The Company trusts that the complainant will find this letter of explanation satisfactory.
  However, if the complainant is not satisfied with the Companys resolution of this matter, pursuant
  to Section 10 of the ************************* Services Regulatory Ordinance, which can be
  
  found at https://www.ldftribe.com/uploads/files/Court-Ordinances/CHAP94-Tribal-Consumer-
  Financial-Services-Reulatory-Ordinance.pdf, he/she may pursue formal dispute resolution with
  
  the ************************* Services Regulatory Authority ************ To do so, he/she
  must send a written request to the Authority at *************************************************************** 54538.
  The request must contain the information required by Section 10 of the *************************
  Services Regulatory Ordinance.
  
  Kindest Regards,
  
  ______ __
  ***********************
  Compliance Manager
  Niibin, LLC dba Cash Aisle

  Customer response

  11/30/2022

  [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,
  
  *******************
  

• Initial Complaint

  11/23/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I took out a loan for 500 dollars from Cash Aisle in December 2021. My first payment was scheduled to come out on January 3rd. Instead the payment was taken out before I got paid on December 31st. I contacted Cash Aisle after receiving a text saying that my payment was past due and realizing that the payment did not come out. My bank charged me fees for insufficient funds and a return payment. The representative I spoke to told me that there was an issue that caused payments for the month of January to come out on the wrong date. I was told not to worry about it and that my next payment would come out on the correct date and that I could pay extra later to pay off my loan sooner or that it would just add an additional month to my payoff date. The payment automatically came out on the correct dates from February - September 2022. I have paid over ***** on my loan and the amount was down to a little over 800 dollars when I checked at the end of September. I started a new job and my pay dates changed from being paid on the first business day of the month to twice a month. I contacted Cash Aisle 9/29/22 before my October payment was scheduled to let them know that I needed to change my pay date. They had me provide proof of the change, which I did from my employer. The 323 dollar payment was supposed to be split with half half coming out on October 7th and October 21, which they did not do. They then tried to take a payment out on November 1st and it did not go through resulting in extra fees from my bank. My account on Cash Aisle now says that owe over *****! I have already paid over $***** on a $500 loan. I should not be penalized and charged extra interest for their errors in taking payments out. I have also discovered that Cash Aisle is not licensed in my state and that their loans do not follow my states laws and code requirements.

  Business response

  11/29/2022

  This responds to the above-referenced complaint. This inquiry related to a loan from
  Niibin, LLC dba Cash Aisle (the Company), which is owned by the *** du ******** Band of
  Lake Superior Chippewa Indians (Tribe). The Company takes these types of inquiries very
  seriously and would like to provide you with the below information. Nothing in this
  communication should be construed as a waiver of the Tribes or the Companys sovereign
  immunity, all of which are expressly preserved.
  The Company is a wholly owned and operated subsidiary of LDF Holdings, LLC (LDF
  Holdings). LDF Holdings is a wholly owned and operated subsidiary of the ******************************************* which is a wholly owned and operated economic arm and
  instrumentality of the Tribe. The Tribe is a federally recognized Indian tribe, organized under a
  Constitution pursuant to the Indian Reorganization Act of ****, 48 *************************, et
  seq., as amended, and is identified on ***************** ********** of ********* list of federally
  acknowledged Indian Tribes. ************** (July 23, 2018). 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. ******************* Econ. **** ****** 677 F. Supp.
  2d ****, **** (W.D. ***. 2010) (holding that entities acting as arms of a tribe are entitled to tribal
  sovereign immunity).
  The Company issues loans in accordance with the Tribes ************************* Services
  Regulatory Code and it is licensed under Tribal law. The customers 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 customers loan is legal.
  As a courtesy, even though not obligated to do so, we have closed the subject loan and
  will consider it paid in full.
  The customer can call the Company at ************** if there are further questions or concerns.
  
  DocuSign Envelope ID: ************************************
  
  Niibin, LLC dba Cash Aisle
  Po Box 872
  ***************, ** 54538
  
  LDF Holdings, LLC
  Po Box 231
  ***************, ** 54538
  The Company trusts that the complainant will find this letter of explanation satisfactory.
  However, if the complainant is not satisfied with the Companys resolution of this matter, pursuant
  to Section 10 of the ************************* Services Regulatory Ordinance, which can be
  
  found at https://www.ldftribe.com/uploads/files/Court-Ordinances/CHAP94-Tribal-Consumer-
  Financial-Services-Reulatory-Ordinance.pdf, he/she may pursue formal dispute resolution with
  
  the ************************* Services Regulatory Authority ************ To do so, he/she
  must send a written request to the Authority at *************************************************************** 54538.
  The request must contain the information required by Section 10 of the *************************
  Services Regulatory Ordinance.

  Customer response

  11/29/2022

  [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,
  
  *********************** (formerly *******)
  

• Initial Complaint

  11/04/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I never received a loan through Cash Aisle. I did however receive an email stating that I owed them $2,551.32. So of course I called to get things figured out. The less-than-pleasant woman was not helpful at all. When I asked if she could email me paperwork in regard to this loan she said was from 2018, she said that she couldn't do that and clearly I already have that information because I called. This is a total scam especially since the woman told me that the "loan" I received was only $600... and now it's $2,551.32

  Business response

  11/09/2022

  This responds to the above-referenced complaint. This inquiry related to Niibin, LLC dba
  Cash Aisle (the Company), which is owned by the *** du ******** Band of Lake Superior
  Chippewa ************************************ takes these types of inquiries very seriously and
  
  would like to provide you with the below information.
  *********** issued a loan after receiving a loan application in the complainants name.
  The complainant states that he/she did not apply for a loan, however. If the complainant believes
  he/she has been the victim of identity theft, he/she can provide the following to the Company to
  further investigate: (1) A completed identity theft report, which can be found at the Federal Trade
  Commissions website, https://www.identitytheft.gov/Assistant# or a police report outlining the
  alleged identity theft; and (2) proof of identification, such as a copy of a drivers license, a copy
  of a government-issued identification card, or social security number.
  The information can be sent to ***************************. If the customer has any
  additional questions, he/she can call the Company at **************.
  Additional information about this investigation process can be found on the ***s website:
  https://www.consumer.ftc.gov/features/feature-0014-identity-theft. The *** also published this
  resource: https://www.consumer.ftc.gov/articles/pdf-0119-guide-assisting-id-theft-victims.pdf
  *********************************** will need to call **************** at ************** to verify that
  she never received funds.
  
  1 *********** is a wholly-owned and operated subsidiary of LDF Holdings, LLC (LDF Holdings). LDF Holdings
  is a wholly-owned and operated subsidiary of the **************************************** which is a wholly-owned
  and operated economic arm and instrumentality of the Tribe. The Tribe is a federally recognized Indian tribe,
  organized under a Constitution pursuant to the Indian Reorganization Act of ****, 48 *************************, et
  seq., as amended, and is identified on ***************** ********** of ********* list of federally acknowledged Indian
  Tribes. ************** (July 23, 2018). *********** 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. ******************* Econ. **** ****** 677
  F. Supp. 2d ****, **** (W.D. Wis. 2010) (holding that entities acting as arms of a tribe are entitled to tribal sovereign
  immunity). Nothing in this communication should be construed as a waiver of the Tribes or the Companys sovereign
  immunity, all of which are expressly preserved.
  DocuSign Envelope ID: ************************************
  
  Niibin, LLC dba Cash Aisle
  Po Box 872
  ***************, ** 54538
  
  LDF Holdings, LLC
  Po Box 231
  ***************, ** 54538
  
  Kindest Regards,
  
  ______ __
  ***********************
  Compliance Manager
  Niibin,

• Initial Complaint

  11/04/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I took out a loan for $375 and I was outta work from July 10, 2022 until September of 2022. They continued taking money out of my account and it was putting me in the negative. I was told today by one of the representatives that I've already paid back over $1000 and still have 11 more payments until the loan is paid. It's really ridiculous how their making people pay all of this money back on a small loan. Can you help me get this situation resolved please because it isn't right? ??

  Business response

  11/09/2022

  This responds to the above-referenced complaint. This inquiry related to a loan from
  Niibin, LLC dba Cash Aisle (the Company), which is owned by the *** du ******** Band of
  Lake Superior Chippewa Indians (Tribe). The Company takes these types of inquiries very
  seriously and would like to provide you with the below information. Nothing in this
  communication should be construed as a waiver of the Tribes or the Companys sovereign
  immunity, all of which are expressly preserved.
  The Company is a wholly owned and operated subsidiary of LDF Holdings, LLC (LDF
  Holdings). LDF Holdings is a wholly owned and operated subsidiary of the ******************************************* which is a wholly owned and operated economic arm and
  instrumentality of the Tribe. The Tribe is a federally recognized Indian tribe, organized under a
  Constitution pursuant to the Indian Reorganization Act of ****, 48 *************************, et
  seq., as amended, and is identified on ***************** ********** of ********* list of federally
  acknowledged Indian Tribes. ************** (July 23, 2018). 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. ******************* Econ. **** ****** 677 F. Supp.
  2d ****, **** (W.D. ***. 2010) (holding that entities acting as arms of a tribe are entitled to tribal
  sovereign immunity).
  The Company issues loans in accordance with the Tribes ************************* Services
  Regulatory Code and it is licensed under Tribal law. The customers 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 customers loan is legal.
  As a courtesy, even though not obligated to do so, we have closed your subject loan and
  will consider it paid in full.
  The customer can call the Company at ************** if there are further questions or
  concerns.
  
  DocuSign Envelope ID: ************************************
  
  Niibin, LLC dba Cash Aisle
  Po Box 872
  ***************, ** 54538
  
  LDF Holdings, LLC
  Po Box 231
  ***************, ** 54538
  The Company trusts that the complainant will find this letter of explanation satisfactory.
  However, if the complainant is not satisfied with the Companys resolution of this matter, pursuant
  to Section 10 of the ************************* Services Regulatory Ordinance, which can be
  
  found at https://www.ldftribe.com/uploads/files/Court-Ordinances/CHAP94-Tribal-Consumer-
  Financial-Services-Reulatory-Ordinance.pdf, he/she may pursue formal dispute resolution with
  
  the ************************* Services Regulatory Authority ************ To do so, he/she
  must send a written request to the Authority at *************************************************************** 54538.
  The request must contain the information required by Section 10 of the *************************
  Services Regulatory Ordinance.

  Customer response

  11/09/2022

  [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,
  
  *********************************
  

• Initial Complaint

  10/07/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I made a payment using my Chime account on the 6th of October. On October 7th they took out a payment from a different account. I called customer service and all she did was yell at me wouldnt listen. I know that its against the law for a business to talk to a customer like that. I want my money back please.

  Business response

  10/12/2022

  The Company is a wholly owned and operated subsidiary of LDF Holdings, LLC (***
  Holdings). *** Holdings is a wholly owned and operated subsidiary of the ******************************************* which is a wholly owned and operated economic arm and
  instrumentality of the Tribe. The Tribe is a federally recognized Indian tribe, organized under a
  Constitution pursuant to the Indian Reorganization Act of ****, 48 *************************, et
  seq., as amended, and is identified on ***************** ********** of ********* list of federally
  acknowledged Indian Tribes. ************** (July 23, 2018). 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. ******************* Econ. **** ****** 677 F. Supp.
  2d ****, **** (W.D. ***. 2010) (holding that entities acting as arms of a tribe are entitled to tribal
  sovereign immunity).
  The Company issues loans in accordance with the Tribes *************************
  Services Regulatory Code and it is licensed under Tribal law. The customers 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 customers loan is legal.
  The Company will not refund the payment; however, we will remove the debit card on file.
  *********************** will need to contact **************** to make a payment arrangement on the
  account.
  The customer can call the Company at ************** if there are further questions or
  concerns.
  
  DocuSign Envelope ID: ************************************
  
  Niibin, LLC dba Cash Aisle
  Po Box 872
  ***************, ** 54538
  
  LDF Holdings, LLC
  Po Box 231
  ***************, ** 54538
  The Company trusts that the complainant will find this letter of explanation satisfactory.
  However, if the complainant is not satisfied with the Companys resolution of this matter, pursuant
  to Section 10 of the ************************* Services Regulatory Ordinance, which can be
  
  found at https://www.ldftribe.com/uploads/files/Court-Ordinances/CHAP94-Tribal-Consumer-
  Financial-Services-Reulatory-Ordinance.pdf, he/she may pursue formal dispute resolution with
  
  the ************************* Services Regulatory Authority ************ To do so, he/she
  must send a written request to the Authority at *************************************************************** 54538.
  The request must contain the information required by Section 10 of the *************************
  Services Regulatory Ordinance.

• Initial Complaint

  10/05/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I obtained a loan through Cash Aisle and had been making my payments on time. I then became ill and was hospitalized on three different occasions in 3 months time because of a DVT. I then also contracted Covid and that added even more time I was out of work and income. At this point I attempted to contact Cash Aisle but never received a reply. My account online only gave me the option to keep making monthly payments rather than an option of an early payoff or settlement amount. I understand the loan terms but the website doesnt allow you to communicate with anyone or find out any information. I only received a recording when I called. I also responded to the text messages Id received from them but then ***** replied back to. Ive more than paid back the initial amount of the $800 loan. I cant afford to continue to make outrageous payments that the balance keeps going up on daily even though I was told in a text months ago that responding would stop the daily interest. After being in and out of the hospital, multiple doctors appointments and procedures, along with my prescription blood thinner that is $504 a month, I can not continue to make payments on this loan. The amount is up to over $4000 compared to the initial $800. I am unable to review my loan agreement online and again have tried several times to email or call after receiving letters telling me to do just that. Ive paid a total of $1328.34 but do to health issues I can no longer make outrageous payments with practically nothing going toward the principle. **** obtained on 12/22/21 Loan number-******

  Business response

  10/12/2022

  The Company is a wholly owned and operated subsidiary of *** Holdings, LLC (***
  Holdings). *** Holdings is a wholly owned and operated subsidiary of the ******************************************* which is a wholly owned and operated economic arm and
  instrumentality of the Tribe. The Tribe is a federally recognized Indian tribe, organized under a
  Constitution pursuant to the Indian Reorganization Act of ****, 48 *************************, et
  seq., as amended, and is identified on ***************** ********** of ********* list of federally
  acknowledged Indian Tribes. ************** (July 23, 2018). 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. ******************* Econ. **** ****** 677 F. Supp.
  2d ****, **** (W.D. ***. 2010) (holding that entities acting as arms of a tribe are entitled to tribal
  sovereign immunity).
  The Company issues loans in accordance with the Tribes *************************
  Services Regulatory Code and it is licensed under Tribal law. The customers 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 customers loan is legal.
  As a courtesy to *********************, we will consider the loan as paid in full.
  The customer can call the Company at ************** if there are further questions or
  concerns.
  
  DocuSign Envelope ID: ************************************
  
  Niibin, LLC dba Cash Aisle
  Po Box 872
  ***************, ** 54538
  
  *** Holdings, LLC
  Po Box 231
  ***************, ** 54538
  The Company trusts that the complainant will find this letter of explanation satisfactory.
  However, if the complainant is not satisfied with the Companys resolution of this matter, pursuant
  to Section 10 of the ************************* Services Regulatory Ordinance, which can be
  
  found at https://www.ldftribe.com/uploads/files/Court-Ordinances/CHAP94-Tribal-Consumer-
  Financial-Services-Reulatory-Ordinance.pdf, he/she may pursue formal dispute resolution with
  
  the ************************* Services Regulatory Authority ************ To do so, he/she
  must send a written request to the Authority at *************************************************************** 54538.
  The request must contain the information required by Section 10 of the *************************
  Services Regulatory Ordinance.

  Customer response

  10/12/2022

  [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,
  
  *********************
  

• Initial Complaint

  09/10/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I took out money from cash aisle what had to be more then 6 months almost now.. for 300 dollars. Ive had all hesd payments taken out by check and still have another 15 more payments this is absolutely crazy. Im suffering from long term effects of covid and havent been able to work a normal *************************************************************** **** for a 300 dollar loan. At some poiint im possibly gonna have to look at my legsl iptions because i cant afford to keep okaying this ridiculous amount.

  Business response

  09/15/2022

  Re: Complaint #********
  To Whom It May **************** responds to the above-referenced complaint. This inquiry related to a loan from Cash Aisle
  (the Company), which is owned by the *** du ******** Band of Lake Superior Chippewa
  Indians (Tribe). The Company takes these types of inquiries very seriously and would like to
  provide you with the below information. Nothing in this communication should be construed as
  a waiver of the Tribes or the Companys sovereign immunity, all of which are expressly
  preserved.
  The Company is a wholly owned and operated subsidiary of LDF Holdings, LLC (LDF
  Holdings). LDF Holdings is a wholly owned and operated subsidiary of the ******************************************* which is a wholly owned and operated economic arm and
  instrumentality of the Tribe. The Tribe is a federally recognized Indian tribe, organized under a
  Constitution pursuant to the Indian Reorganization Act of ****, 48 Stat. 984, 25 U.S.C. 476,
  et seq., as amended, and is identified on ***************** ********** of ********* list of
  federally acknowledged Indian Tribes. ************** (July 23, 2018). 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. ******************* Econ. Dev.
  Corp., 677 F. Supp. 2d ****, **** (W.D. ***. 2010) (holding that entities acting as arms of a
  tribe are entitled to tribal sovereign immunity).
  The Company issues loans in accordance with the Tribes ************************* Services
  Regulatory Code and it is licensed under Tribal law. The customers 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 customers loan is legal.
  
  DocuSign Envelope ID: ************************************
  
  Niibin, LLC dba Cash Aisle
  Po Box 872
  ***************, ** 54538
  
  LDF Holdings, LLC
  Po Box 231
  ***************, ** 54538
  As a courtesy, even though not obligated to do so, we have closed your loan and will consider it
  paid in full.
  The customer can call the Company at ************** if there are further questions or concerns.
  The Company trusts that the complainant will find this letter of explanation satisfactory.
  However, if the complainant is not satisfied with the Companys resolution of this matter,
  pursuant to Section 10 of the ************************* Services Regulatory Ordinance, which
  
  can be found at https://www.ldftribe.com/uploads/files/Court-Ordinances/CHAP94-Tribal-
  Consumer-Financial-Services-Reulatory-Ordinance.pdf, he/she may pursue formal dispute
  
  resolution with the ************************* Services Regulatory Authority ************ To
  do so, he/she must send a written request to the Authority at ************************************************************************. The request must contain the information required by Section 10 of the **************************** Services Regulatory Ordinance.

• Initial Complaint

  08/23/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This is with cash aisle! They have been taking out money of my account without my authorization! I have tried to block them from my account on several occasions but they still somehow manage to take $177 out of my account every 2 weeks and never authorized them to do so

  Business response

  08/29/2022

  This responds to the above-referenced complaint. This inquiry related to a loan from
  Niibin, LLC dba Cash Aisle (the Company), which is owned by the *** du ******** Band of
  Lake Superior Chippewa Indians (Tribe). The Company takes these types of inquiries very
  seriously and would like to provide you with the below information. Nothing in this
  communication should be construed as a waiver of the Tribes or the Companys sovereign
  immunity, all of which are expressly preserved.
  The Company is a wholly owned and operated subsidiary of LDF Holdings, LLC (LDF
  Holdings). LDF Holdings is a wholly owned and operated subsidiary of the ******************************************* which is a wholly owned and operated economic arm and
  instrumentality of the Tribe. The Tribe is a federally recognized Indian tribe, organized under a
  Constitution pursuant to the Indian Reorganization Act of ****, 48 *************************, et
  seq., as amended, and is identified on ***************** ********** of ********* list of federally
  acknowledged Indian Tribes. ************** (July 23, 2018). 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. ******************* Econ. **** ****** 677 F. Supp.
  2d ****, **** (W.D. ***. 2010) (holding that entities acting as arms of a tribe are entitled to tribal
  sovereign immunity).
  The Company issues loans in accordance with the Tribes *************************
  Services Regulatory Code and it is licensed under Tribal law. The customers 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 customers loan is legal.
  Although not required to do so, as a courtesy, the Company will reach out to the customer
  with an offer to resolve their loan.
  The customer can call the Company at ************** if there are further questions or
  concerns.
  
  DocuSign Envelope ID: ************************************
  
  Niibin, LLC dba Cash Aisle
  Po Box 872
  ***************, ** 54538
  
  LDF Holdings, LLC
  Po Box 231
  ***************, ** 54538
  The Company trusts that the complainant will find this letter of explanation satisfactory.
  However, if the complainant is not satisfied with the Companys resolution of this matter, pursuant
  to Section 10 of the ************************* Services Regulatory Ordinance, which can be
  
  found at https://www.ldftribe.com/uploads/files/Court-Ordinances/CHAP94-Tribal-Consumer-
  Financial-Services-Reulatory-Ordinance.pdf, he/she may pursue formal dispute resolution with
  
  the ************************* Services Regulatory Authority ************ To do so, he/she
  must send a written request to the Authority at *************************************************************** 54538.
  The request must contain the information required by Section 10 of the *************************
  Services Regulatory Ordinance.

  Customer response

  08/29/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below
  
  as I have stated with set company I have said I need everything in writing! Not once did they I receive calls from them and! I have had spam calls claiming to be them but who knows if it was actually them? If it was them, they would have called from a reliable number!
  Regards,
  
  *****************************

  Business response

  08/31/2022

  The Company is a wholly owned and operated subsidiary of *** Holdings, LLC (***
  Holdings). *** Holdings is a wholly owned and operated subsidiary of the ******************************************* which is a wholly owned and operated economic arm and
  instrumentality of the Tribe. The Tribe is a federally recognized Indian tribe, organized under a
  Constitution pursuant to the Indian Reorganization Act of ****, 48 *************************, et
  seq., as amended, and is identified on ***************** ********** of ********* list of federally
  acknowledged Indian Tribes. ************** (July 23, 2018). 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. ******************* Econ. **** ****** 677 F. Supp.
  2d ****, **** (W.D. ***. 2010) (holding that entities acting as arms of a tribe are entitled to tribal
  sovereign immunity).
  The Company issues loans in accordance with the Tribes *************************
  Services Regulatory Code and it is licensed under Tribal law. The customers 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 customers loan is legal.
  Niibin, LLC dba Cash Aisle (the Company) has responded to the BBB Complaint in
  writing. We have been attempting to contact ***************************** per the contract and she never
  returned our calls. We stopped attempting to contact ***************************** by phone after she
  requested us to do so. As of our prior response to the BBB Complaint the loan was considered as
  settled in full and ***************************** does not owe Cash Aisle an outstanding balance.
  
  DocuSign Envelope ID: ************************************
  
  Niibin, LLC dba Cash Aisle
  Po Box 872
  ***************, ** 54538
  
  LDF Holdings, LLC
  Po Box 231
  ***************, ** 54538
  The customer can call the Company at ************** if there are further questions or
  concerns.
  The Company trusts that the complainant will find this letter of explanation satisfactory.
  However, if the complainant is not satisfied with the Companys resolution of this matter, pursuant
  to Section 10 of the ************************* Services Regulatory Ordinance, which can be
  
  found at https://www.ldftribe.com/uploads/files/Court-Ordinances/CHAP94-Tribal-Consumer-
  Financial-Services-Reulatory-Ordinance.pdf, he/she may pursue formal dispute resolution with
  
  the ************************* Services Regulatory Authority ************ To do so, he/she
  must send a written request to the Authority at *************************************************************** 54538.
  The request must contain the information required by Section 10 of the *************************
  Services Regulatory Ordinance.

*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. ↩