ComplaintsforSkytrail Cash

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Initial Complaint
09/29/2023
Complaint Type:
Order Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I have had many loans through skytrail. I've always been able to pay them back without any issues. However, due to the economic situation. My work has been nearly cut in half. I've already paid $864 on an original $400 loan and the balance is still $384.00. I do not have the funds to make the payments
Business response
10/02/2023
Please see the attached letter.
Initial Complaint
09/20/2023
Complaint Type:
Product Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
This company is reporting multiple loans that I never took out in 2018 and wont respond to my inquiries about it.
Business response
09/22/2023
Please see attached letter.
Initial Complaint
07/17/2023
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I have a loan with skytrail that I have been paying for forever (literally since 2021). *** asked several times for assistance or more time to pay and they offer no options. I can keep throwing money to them for them to keep increase what I owe. I would like some sort of solution to this situation.
Business response
07/18/2023
Please see the attached letter.
Customer response
07/27/2023
[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
01/21/2023
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I've been a faithful customer with **********************. I've had a few loans with them and always paid them off on or before time. I recently have had financial difficulties due to pay decrease. I feel behind a couple payments with SkyTrail but I called them ahead of time to discuss my issue. I called today to try and make biweekly payments of $50 until debt is paid. My balance is a little over $400. I explained to them that I could pay this without overdrafting my account. I have been a great customer. Never defaulted on a loan with them. They refuse to work with me. They would rather I pay nothing and let my account go into collections and maybe court than to work with me on settling my account. I'm trying to pay this off. This is the only creditor that would not work with me.
Business response
01/23/2023
This responds to the above-referenced complaint. This inquiry related to a loan from
Ningodwaaswi, LLC dba Sky ***** Cash (the Company), which is owned by the Lac du
Flambeau 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.
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

DocuSign Envelope ID: ************************************

Ningodwaaswi, LLC dba Sky ***** Cash
Po Box 1115
***************, ** 54538

LDF Holdings, LLC
Po Box 231
***************, ** 54538
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
01/24/2023
[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
01/20/2023
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I've been doing business with STC for almost two years. They help out in a tight time. But now I can't seem to stop doing business with. I'm on disability and work part time(10 hrs a week). So they seem to know when I'm about to overdraft my bank account cause that's when they offer to refinance and hand me more cash. So the loan and payments start over. Recently I refinanced cause I fell behind one two payments. Due to covid related illness. ****** was financed, now I owe *******. I asked about paying that off on the first of the month, they stated it would be over 500 then. That's more than half my disability check! I called and explained my situation. Told them I'd been a loyal customer and they have made lots of money of me. Can I please get a break. Was offered to take next month payment and take it and add to end of payment plan. Or 50$ off next month payment. My payment has averaged 400 for a 600 dollar loan. High interest rates, I understand. But they make it hard to get loans payed. I feel abused. Are they really above the any state law as they advertise?? How can this be allowed?? Is there federal relief?? Was getting copies of loans for past two years but something new, they deleted past loans. No access for evidence. But bank account statement from 2020 when I started doing business with them.
Business response
01/23/2023
This responds to the above-referenced complaint. This inquiry related to a loan from
Ningodwaaswi, LLC dba Sky ***** Cash (the Company), which is owned by the Lac du
Flambeau 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.
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

DocuSign Envelope ID: ************************************

Ningodwaaswi, LLC dba Sky ***** Cash
Po Box 1115
***************, ** 54538

LDF Holdings, LLC
Po Box 231
***************, ** 54538
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
01/23/2023
[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
11/17/2022
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I have a current loan with Skytrail Cash and due to many recent large emergency expenses and health issues, I have fallen behind on this loan. I have had previous loans with you and have paid all of them off. I reached out to see if a payment plan could me arranged and was told no. I was told I should be receiving an email but I have yet to receive anything. With the interest and past due amount, I am just not able to pay this and would like to resolve this issue without it being charged off.
Business response
11/21/2022
This responds to the above-referenced complaint. This inquiry related to a loan from
Ningodwaaswi, LLC dba Sky ***** Cash (the Company), which is owned by the Lac du
Flambeau 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.
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

DocuSign Envelope ID: ************************************

Ningodwaaswi, LLC dba Sky ***** Cash
Po Box 1115
***************, ** 54538

LDF Holdings, LLC
Po Box 231
***************, ** 54538
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
11/21/2022
[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
11/09/2022
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I took out a loan with SkyTrail Cash. I was able to make a few payments. I did advise that my mother passed away and of course I had not been to work. The only thing offered was a discounted payment. I also advised of other health issues that I have to deal with for my father. They advised they are unable to assist. I am wanting this to be resolved and written off as I do not have the funds to make the payments they are requiring which are over $200 bi-weekly.
Business response
11/14/2022
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, 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: DB82360C-51DD-4943-9148-111D5D4F3ECB

Ningodwaaswi, LLC dba Sky ***** Cash
Po Box 1115
***************, ** 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
11/14/2022
[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
10/25/2022
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I opened loan #******* on 7/7/22 it was for $1100. They started debiting my bank account on 7/25 and as of 10/17 Ive paid them *******. That means Ive paid off the principal along with giving them $817.65 in interest. I want them to stop debiting my account but Ill have to pay over $800 to do so. Apparently of all the payments Ive made theyve only applied $258.63 to the principal. I want SkyTrail Cash to consider this account paid in full & stop debiting my bank account immediately. Im trying very hard to get financially back on track without filing for bankruptcy. These tribal loans are horrendous and I will never make this mistake again.
Business response
11/07/2022
This responds to the above-referenced complaint. This inquiry related to a loan from
Ningodwaaswi, LLC dba Sky ***** Cash (the Company), which is owned by the Lac du
Flambeau 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.
Considering Ms. ************ current financial hardship and her payment history with
Sky ***** Cash, we recommend considering her account 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

DocuSign Envelope ID: ************************************

Ningodwaaswi, LLC dba Sky ***** Cash
Po Box 1115
***************, ** 54538

LDF Holdings, LLC
Po Box 231
***************, ** 54538

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
11/08/2022
[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
10/12/2022
Complaint Type:
Product Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
Recvd a call from a debt resoluton company on behalf of sky cash stating i got an online loan with them in 2018 and closed my acct. I have had this email since 2018 because my previous email kept being hacked. They stated that they ******* stated they have sent me mail about the laon which is false. I have never gotten a laon with this company as i just started my job in 2018. This issue needs to be resolved and my name n33ds to be cleared and **************** states they will put it on my credit report
Business response
10/14/2022
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, even though not obligated to do so, we have closed *******************************
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: D3A6A7FD-A0D9-4549-AD79-5CAD3D9FC0CB

Ningodwaaswi, LLC dba Sky ***** Cash
Po Box 1115
***************, ** 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 ************************************************************************. The request must contain the information required by Section 10 of the ****************************
Customer response
10/14/2022
[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
09/21/2022
Complaint Type:
Sales and Advertising Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I would like for them to stop charging my account with the **** I have had a few health issues that have cut my full time hours into having to be on Leave of Absence. I can't pay this anymore. I do not want this to be a charge off. I demand they write this off and permanently delete my personal information. The Interest rate is over 600% to hats extortion
Business response
09/26/2022
This responds to the above-referenced complaint. This inquiry related to a loan from
Ningodwaaswi, LLC dba Sky ***** Cash (the Company), which is owned by the Lac du
Flambeau 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.

DocuSign Envelope ID: ************************************

Ningodwaaswi, LLC dba Sky ***** Cash
Po Box 1115
***************, ** 54538

LDF Holdings, LLC
Po Box 231
***************, ** 54538
In consideration of your current financial hardship, and your payment history with Sky
***** Cash, we will waive the outstanding account balance. Your account is now closed.
If *************************** has Any questions, he 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.

Kindest Regards,

________________________________
***********************
Compliance Manager
Ningodwaaswi, LLC dba Sky *****
Customer response
09/26/2022
[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,

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

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