Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:09/11/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been paying off a loan of $1000 for the last 11 months at ****** a month. I called and was told that I would not finish off paying the loan until January 2025 totaling up to $4000. That is APR is ridiculously high to the point to there I have been paying $3000 just on the interest alone.

  Business Response

  Date: 09/13/2024

  Please see the attached response.

• Initial Complaint

  Date:07/18/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  So I took out a $600 loan with Loan At Last unaware of a 660% APR, making the loan payoff over $3,000. Its absolutely highway robber & should not be allowed regardless of tribal immunity. That should not be an excuse nor a loophole to go and **** customers of their money. ******************** should be held accountable to the fullest extent of the law and should immediately be shut down and not allowed to operate.

  Business Response

  Date: 07/22/2024

  Please see the attached response.

  Customer Answer

  Date: 07/22/2024

  [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

  Date:06/12/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I logged in on the website and it specifically said 1550 for the loan payoff. I attempted to pay today and was charged 1667 and im extremely upset. The website should have never said that amount because thats what I was expecting to pay. I request immediate resolution or adjustment to my account or I will be getting a legal team involved

  Business Response

  Date: 06/19/2024

  Please see the attached response.

• Initial Complaint

  Date:05/16/2024

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been a customer with ********************** since September 2022. I have paid off a couple of loans in the past. Around august 2023 I was going through a hardship and the company settled the loan with $50.00. I took out another loan and I was approved for $1,000 the payments were $110.00 weekly I reached out in September and asked if I can change my frequency to bi weekly. I started to pay $224.00 every two weeks and then I ended up lowering my payments to $115.02 I ended up making two payments so far. Loan at last ended up extended my loan for 60 days I began paying March 22,2024 I was able to make two payments on April 19th I asked if my payment can be deferred to the end of the loan term due to a hardship which was done I reached out a week prior to see if my payment can be rescheduled the agent who i spoke to rescheduled it for May 16th and May 17th. I thought my finances would improve but my expenses have increased and I am on a fixed income. I reached out on May 14th,2024 and I spoke with an agent named **** via live chat and I explained the situation to her and she told me that unfortunately the skip a payment option has been used and the payment has been scheduled she offered to schedule me a call back to discuss other options she told me that there are other options available and that they might lower the payments. **** scheduled the call back for Wednesday May 15th at 10am I was up early and I did not receive a call back to discuss options and now I am in a bind. I am on a fixed income and Im barely getting by. I would like to have these payments lowered or settled the account for what has been paid because it is causing me to be tight with finances and Im struggling to make ends meet. I want to be out of this.

  Business Response

  Date: 05/23/2024

  Please see the attached response.

  Customer Answer

  Date: 05/23/2024

  [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

  Date:04/30/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Loan at Last is a "tribal lender" that is not a licensed/legal lender in my state, IN, which they were aware of when the loan was issued. They are charging a usury amount of interest based on Indiana's laws. I have revoked any and all ach authorization once this was brought to my attention.Loan at Last is operating under the *** de ******** Band of Lake Superior Chippewa Indians, which is a recognized tribe, however, they are doing business under another LLC, which is not associated with this tribe in order to illegally offer payday loans as a tribal lender.Because they are not licensed in my state, and are operating illegally, my contract is null and void.

  Business Response

  Date: 05/03/2024

  Please see the attached response.

  Customer Answer

  Date: 05/03/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID 21645177 and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  Unfortunately, I am not a member of your tribe, and I have never visited your reservation. I am not subject to your laws. Period. The laws of my state prevail and as such, the contract I signed is null and void as you are charging a usury rate of interest. I will pay back principal only.
  
  It is irrelevant that you are governed by the laws of the *** du ******** Band of Lake Superior Chippewa Indians. You are located in ********* and are a tribal lender, who is not licensed in *******. The loan agreement may be valid under the laws of the *** du ******** Band of Lake Superior Chippewa Indians, but it is not valid under the laws of Indiana, where I reside. My address was listed on the loan application when I applied, so Loan at Last is well aware of where I live and knew it was illegal to lend to me in the first place. Tribal lenders are still required to comply with state lending regulations. 
  
  Please see below:
  D. Indiana 44. In *******, with limited exceptions, any entity that makes consumer loans is required to have a license to make such loans in *******. Indiana Code 24-4.5-3-502. A separate license is required for making small loans of less than $550. Id. If a loan is made without a license, the loan is void and the debtor is not obligated to pay either the principal or loan finance charge. Ind. Code 24-4.5-5-202, 24-4.5-7-409. Case 3:18-cv-00406-REP
  45. Even if a lender is properly licensed, the interest on a small loan in ******* may not exceed 15% for the first $250, 13% for the next $150, and 10% for the last $150. Ind. Code 24-4.5-7-201. For all other loans, even licensed lenders may not charge interest that exceeds the equivalent of the greater of:
  (a) the total of: (i) thirty-six percent (36%) per year on that part of the unpaid balances of the principal which is two thousand dollars ($2,000) or less; (ii) twenty-one percent (21%) per year on that part of the unpaid balances of the principal which is more than two thousand dollars ($2,000) but does not exceed four thousand dollars ($4,000); and (iii) fifteen percent (15%) per year on that part of the unpaid balances of the principal which is m
  
  Regards,
  
  *************************

  Business Response

  Date: 05/07/2024

  Please see the attached response

• Initial Complaint

  Date:02/09/2024

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I borrowed $1,000 from Loanatlast on 7/20/2023 and have paid as agreed payments every two weeks of $289.35 for a total paid of $3472.20 so far. They keep debiting $289 from my account every two weeks with no end in sight. I thought a loan had maximum interest rates? Isnt this loan usury?

  Business Response

  Date: 02/16/2024

  Please see the attached response.

• Initial Complaint

  Date:12/10/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I needed some Cash in July,2023.I borrowed $750,from loan at last.I did not properly read the agreement .but yesterday I learnt from costumer service that I will be paying $400 monthly until April 2024.This is absurd as it put me to pay back $4800 for a $750 loan .I would like a resolution to finish this loan ASAP.I have a special needs child to care for and cannot afford to pay all this money .I will never take another loan again .

  Business Response

  Date: 12/13/2023

  Please see the attached response.

• Initial Complaint

  Date:10/22/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I took a loan out with Loan at Last for $1000 with 27 bi weekly payments of $124.42 at ******% with total finance charge of $2,179.41 for a total payment amount of $3,359.63, Ive already paid $995.36 on this account. This company is ripping me off with these charges, I cant afford these payments. I need to have this account Closed and I will not do business with them again. I would like to have this account paid in full.

  Business Response

  Date: 10/24/2023

  Please see the attached response.

  Customer Answer

  Date: 10/24/2023

  [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

  Date:02/03/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Well I did a loan for 1200$ and my payments were like 321$ every 2 weeks. And when it came time to pay for the payment I didnt have the amount of money on my account and they charged it anyways. And put me in the hole -169$ so now Im screwed for like 3 weeks until I get paid again and I contacted customer service and they told me that I should have read the terms and conditions and blah blah blah. I wasnt thinking of that at the time I was worried my water was going to get cut off. And they wouldnt give me back the money they took because its already processing so they cant its not even processed all the way on my bank account. Would not help me at all. Only thing they did for me was change it to where the payments werent automatic. And I didnt even have that option when I first signed up for this loan it should have been offered.

  Business Response

  Date: 02/08/2023

  This responds to the above-referenced complaint. This inquiry related to a loan from
  Niizhwaaswi, LLC dba Loan At Last (the Company), which is owned by the *** du **************** 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.
  The customer agreed to the Terms and Conditions of this loan on 01/17/2023 and a TILA
  disclosure was included in the loan agreement that the customer signed. The customer chose the
  option to make their payments via ACH at the time of signing their loan agreement. On 01/19/2023
  a representative left a voice mail for the customer to contact us if they have any questions or
  concerns regarding their loan to which we received no response. On 01/19/2023 a payment
  
  DocuSign Envelope ID: ************************************
  
  Niizhwaaswi, LLC dba Loan at Last
  Po Box 1193
  ***************, ** 54538
  
  LDF Holdings
  Po Box 231
  ******************* 54538
  reminder was sent via SMS to the customers number on file. We will reach out to this customer
  with a response to their complaint.
  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 *******************************************************************************
  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

  Date:02/02/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I acquired a payday installment loan from Loan at Last on 09/01/2022 with an effective date of 09/02/2022 for the amount of $1974.15. My payments are bi-weekly for $325.26. The amortization schedule does not list or show how the payments towards the loan are distributed (what amount goes towards principal, interest, and/or fees.) No statements are made available, so I am unsure what they are really doing with the money. I say this because I checked my payoff amount in the first week of December 2022 and the payoff amount was $2042.06. I looked online today, 02/02/2022 and called to confirm my payoff amount as of today, which is $2052.96. I am very concerned because how is my payoff amount today higher than it was in the beginning of December, when they received three payments in December and two payments in January, which were all on time as the payments are setup for automatic withdrawal. The rep could not provide me a statement of sort and only stated that interest rates are compounded daily. At this point, this company is operating under bad practices. In the *****************(which is where I reside and resided at the time of the loan) they prohibit payday lending from any and all vendors, as they deemed illegal. If the APR is above 33% they are violating the law and operating unlawfully. At this point I am requesting a full resolution of having this loan (outstanding balance) be dismissed.

  Business Response

  Date: 02/06/2023

  This responds to the above-referenced complaint. This inquiry related to a loan from
  Niizhwaaswi, LLC dba Loan at Last (the Company), which is owned by the *** du **************** 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.
  In response to customers complaint, it is a standard practice for businesses to charge
  interest for their products and services. The payoff amount is the sum of the principal amount due
  on the loan plus the finance charges accrued up to the date of the prepayment. The customer can
  pay off the loan at any time to save on interest charges. The Customer received a TILA disclosure
  which included their payment schedule. For an amortization schedule, the customer should contact
  our **************** and a representative can assist with providing an amortization schedule.
  
  DocuSign Envelope ID: ************************************
  
  Niizhwaaswi, LLC dba Loan at Last
  Po Box 1193
  ***************, ** 54538
  
  LDF Holdings
  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 *******************************************************************************
  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.