ComplaintsforMitig Capital
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Complaint Details
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Initial Complaint
01/12/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
Want to pay off my $500 balance. I have contacted them and told them by email that I can only pay so much monthly and no response. Im not paying double the loan amount. I want to pay them back the $500 I owe them monthly but cant get ahold of anyoneBusiness response
01/13/2023
This responds to the above-referenced complaint. This inquiry related to a loan from Mitig,
LLC dba Mitig Capital (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.
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: ************************************
Mitig, LLC dba MitigCapital
Po Box 301
***************, ** 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.Customer response
01/13/2023
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.]
Regards,
***********************Business response
01/18/2023
This responds to the above-referenced complaint. This inquiry related to a loan from Mitig,
LLC dba Mitig Capital (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.
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: ************************************
Mitig, LLC dba MitigCapital
Po Box 301
***************, ** 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.Initial Complaint
09/05/2022
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I have had numerous loans with Mitig Capital and have paid the high charges each time in full and early most times. I am in a situation that I need a settlement. My bank was compromised on 8-29-2022 and I am left with $14.06 until the end of September. Could I please get a settlement offer? My bank is doing a fraud investigation and will not release funds until then. I tried to change bank info on Mitig site but was unsuccessful.Business response
09/07/2022
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 settle the account for the remaining borrowed
principal in one lump sum or in twelve (12) payments. *********************** will need to contact Customer
Service to set up payment arrangements.
The customer can call the Company at ************** if there are further questions or
concerns.
DocuSign Envelope ID: ************************************
Mitig, LLC dba MitigCapital
Po Box 301
***************, ** 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.
KindestCustomer response
09/07/2022
[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
02/21/2022
- Complaint Type:
- Delivery Issues
- Status:
- Answered
Received **** payday loans agreement to pay 10 weekly payments of ****** once completed now I owe **** for 665% interest rate and that wasnt in the agreement or I would have never taken that loan I want this account paid in full by mitig capitalBusiness response
02/22/2022
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: 81349B70-9227-43E8-A3A4-5EEBCC5AE98B
Mitig, LLC dba MitigCapital
Po Box 301
***************, ** 54538
************, 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
11/14/2021
- Complaint Type:
- Order Issues
- Status:
- Answered
I took a small loan with Mitig Capital and promptly paid it off in full. I took a second loan with them for $1400. I have paid approx $1000 on this loan and my balance is currently almost $1,600!!! HOW?? How is this legal??Business response
11/15/2021
This responds to the above-referenced complaint. This inquiry related to a loan from Mitig,
LLC dba MitigCapital (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 (***************). 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 the ************* ********** 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 Tribal Consumer Financial
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.Initial Complaint
10/18/2021
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
I took a loan out from them for $500 this year. My payments failed because my bank projecting the *** they were trying to take out. I have tried to contact the company multiple times and Ive emailed them multiple times and no one has contacted me I would like to repay my loan and come to a settlement I will pay the 500 that I took out and I will give you ****************************************************** into their portal so I can come to a settlement agreement and get this taken care of.Business response
10/20/2021
See attached:
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.Customer response
10/22/2021
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 thestill havent contacted me about any settlement. Reached out via email and postal mail to them
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 Mitig,
LLC dba MitigCapital (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: ************************************
Mitig, LLC dba MitigCapital
Po Box 301
*************************
************, 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.
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Contact Information
Customer Complaints Summary
5 total complaints in the last 3 years.
0 complaints closed in the last 12 months.