ComplaintsforCash Aisle

• Initial Complaint

  10/13/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I just received an email from this company regarding a loan, in which I have never applied for any type of loan from this company. The email stated that the loan was requesting 12/11/20 and this is my first time hearing anything about this company ( who I do not know who they are or have I ever applied for anything through them) when I received this email dated 10/13/21. The email does not provide any phone contact information for the Niibin,LLC dba Cash Aisle however, I did see that it was stated in the email that they obtained my credit report, which I did not authorized.

  Business response

  10/20/2021

  see attached:

  After careful review and consideration, we find that there is no record for Freda W in our
  system, nor was she ever an applicant or customer of Cash Aisle. In addition, Cash Aisle does not
  report to the traditional Credit Bureaus
  The customer can call the Company at 1-844-359-6000 if there are further questions or
  concerns.

• Initial Complaint

  10/13/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I receive a loan from cash Aisle. I lost 2 brothers back to back. My oldest brother pass on 08-03-21 On 09-16-21, my youngest brother pass. On 10-09-21 at my brothers funeral I pass out I woke ** in the hospital. I was told by my doctor I couldnt go back to work until I follow up with my primary doctor. I explain my situation to the loan office and they told me I have to send them a doctor ********** I told them I will pay the back loan as soon as I see my doctor. I also told them I have no money in my account. They told me I would have to send a a picture of my doctor ********* or theyre going to go into my account. My sister supposed to send me money to pay for my medication if they take it out my account on Friday I wont have medication. What can I do. Im in mourning and sick.

  Business response

  10/20/2021

  see attached:

  For this customer we previously allowed skipped payments and even refunded one
  payment as a courtesy. We will not be able to do anything further for this customer without proof
  of her being without income. The customer can pay the loan off at any time without penalty.
  The customer can call the Company at ************** if there are further questions or
  concerns.
  

  
  

  Customer response

  10/20/2021

  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.
  
  [Please type your response here.] Cash aisle was informed concerning two of my siblings passing away one month apart. I explained to them that I  will pay as them on my next payday. They agreed its was ok.but they still went into my account and withdrew money my sister sent to my account for my brothers flowers.that why they refunded the money back into my account.  I was having difficulty breathing so I was taken to the hospital thats  when I found out I was having an anxiety attack, do to loosing two brothers back to back. I explained to the supervisor what happened,  and I told her as soon as I follow up with my primary  doctors I will let them know When I will be release to go back to work., .However they ignored my plead and went into my checking account causing me an overdraft. 
  
  Regards,
  
  *****************************

  Business response

  10/25/2021

  VIA E-MAIL
  Better Business Bureau
  Re: Complaint #********
  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 ************, LLC (***************). *** 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 the United ***************** of Interiors 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
  *************************
  
  ************, LLC
  Po Box 231
  *************************
  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

  10/09/2021

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  Yes I got 200 dollars for my meds I am on social security Disability and I have a lot of health problems.so I when online and got 200 dollars so I made one payment but I now owe them ****** I just don't see how I think it is wrong in a praying on the low income people for two months that is a lot of interest

  Customer response

  10/11/2021

   

  *********************** <***********************>
  Attachments
  Sun, Oct 10, 1:50 PM (22 hours ago)
  to me
  
  Yes they won't a payment plan but it is to high.i am on social security Disability and things are getting high but my income
  Thanks

  Business response

  10/11/2021

  See attached that includes:

  The customer has reached out on 10/11/2021 with an email and stated that he would settle
  for $225.00. Per the customers request on this complaint, we have stopped all communication
  directly with the customer. If the customer would like to settle this debt, he will need to call us
  directly and make arrangements on the account.
  
  The customer can call the Company at ************** if there are further questions or
  concerns.

  Customer response

  10/11/2021

  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
  They didn't agree to it
  ***********************

• Initial Complaint

  10/06/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I received a $300 loan. My monthly payment is $226. Ohhhh nooooo. I do not want another amount taken out of my account. Im on disability and living with a friend until I can get into a nursing home. I have retained an attorney and was told Im paying 700 percent interest. I want a cease and desist order. Thank you very much.

  Business response

  10/07/2021

  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.
  

  
  

*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. ↩