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Business Profile

Loans

Buffalo Lake Lending

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Loans.

Complaints

Customer Complaints Summary

  • 18 total complaints in the last 3 years.
  • 5 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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.

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Complaint status

Complaint type

  • Initial Complaint

    Date:01/24/2025

    Type:Billing Issues
    Status:
    Answered
    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.
    This company has processed 5 payday with my stolen identity information. I have contacted them several times and they claim I don't have any accounts with them and they can't help me. This is very suspicious because my credit monitoring service has now tracked and reported multiple of these loans by Buffalo Lake Lending. I have never contacted or applied for a pay-day or any loan with Buffalo Lake Lending or their affiliates. I contacted Buffalo Lake Lending with an Equifax (IDX) credit specialist on the line and the Buffalo Lake Lending representative stated they have no accounts with my info which the IDX representative said was very suspicious.This company is a fraud and making fraudulent loans with stolen info and refuse to remove my information or stop making loans using my identity. I have never requested a long from Buffalo Lake Lending or an affiliate

    Business Response

    Date: 01/29/2025

    Thank you for the opportunity to address this customer's concerns.  To protect the customer's privacy, we will need authorization from the customer to provide details to the BBB on this platform.

    Customer Answer

    Date: 01/29/2025


    Complaint: ********

    I am rejecting this response because I do not want Buffalo Lake Lending to share any of my personal details, if they have any on a public platform.  I have called you several times and each time I have been told you don't have any record of my SSN.  This is strange since my credit profile keeps getting alerted from loans initiated my Buffalo Lake Lending.  I am informing you that you are using stolen identity information for a ****** ******* *** ******** ******* Savannah, GA with my SSN.  I have already initiated corrective action with Clarity Services and locked my credit file.

    Sincerely,

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

    Customer Answer

    Date: 02/04/2025


    Complaint: ********

    I don't understand how you can say you don't have my information when your company shows up on my credit report.  Explain this?

    This is the info that appears attached to my SSN on my credit report

    Consumer
    Name: ******* ****** **** ** ****** *********
    Address: *** ******** **** SAVANNAH GA 31410
    Bank Routing Number: ********* Bank Account Number: *********
    Phone Number: **********
    Current
    Account ** ****** Company: Buffalo Lake Lending
    Account Type: Online Installment Loan Credit Limit:
    Ownership: Individual Current Loan Amount: $600
    Number of Payments: 16 Current Balance: $718
    Payment Frequency: Biweekly Only Past Due: $89
    Open Date: 12/20/2024 Actual Payment: $181
    First Due Date: 1/4/2025 Next Payment Amount: $311
    Last Update Date: 1/23/2025 Status: Collections
    Delinquency Date: 1/18/2025


    Sincerely,

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

    Business Response

    Date: 02/12/2025

    Thank you for the additional information.  It was not clear in your initial complaint that only your Social security number was used on the application.  By searching for your name, phone number, and email address, no information can be found.  We have responded directly to the BBB requesting additional proof of identity from you. 

  • Initial Complaint

    Date:08/15/2024

    Type:Billing Issues
    Status:
    Answered
    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 opened a loan on 4/30/24 in the amount of $880. After my payment processes tomorrow I will have paid $1683!

    Business Response

    Date: 08/20/2024

    Thank you for the opportunity to address this customer's concerns.  To protect the customer's privacy, we will need authorization from the customer to provide details to the BBB on this platform.

    Customer Answer

    Date: 08/20/2024


    Complaint: ********

    I am rejecting this response because:Nothing has changed. This company can share information with BBB. I just want my account to be paid/settled in full, as I have indicated the enormous amount beyond the loan amount that I have paid.

    Sincerely,

    **** ******

    Business Response

    Date: 08/23/2024

    We have communicated directly with the customer through our Customer Service email address.  

  • Initial Complaint

    Date:08/15/2024

    Type:Billing Issues
    Status:
    Answered
    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 got a loan through them and I asked them to take me off autopsy as I had other means of paying. First they told me on the phone I could not take away my authorization. Then I sent them a formal email. They told me I was too late for that time but they would stop it for all payments thereafter. This is the third one they have taken out and I just want to say I will NEVER use them again and I am warning other people as well.

    Business Response

    Date: 08/20/2024

    Thank you for the opportunity to address this customer's concerns.  To protect the customer's privacy, we will need authorization from the customer to provide details to the BBB on this platform.

  • Initial Complaint

    Date:06/29/2024

    Type:Billing Issues
    Status:
    Answered
    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.
    In March I took out a 600 dollar loan, my dad had just passed and I needed help getting him cremated and other things related to it that just kept adding up, As of today I have paid over 1000 dollars with 567 dollars left until the end of the loan, which means I have been only paying about 10 dollars. I don't think it's fair to take such advantage of someone that's at the lowest point of their life and turn it into a profit

    Business Response

    Date: 07/01/2024

    Thank you for the opportunity to address this customer's concerns.  To protect the customer's privacy, we will need authorization from the customer to provide details to the BBB on this platform.

    Customer Answer

    Date: 07/01/2024

     
    Complaint: ********

    I am rejecting this response because:

    If I accept it will close my complaint, you have my authorization to see details

    Sincerely,

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

    Business Response

    Date: 07/03/2024

    Thank you, *** *********.  Your complaint has been escalated for further review.  Please allow at least 5-7 business days for a response.  

  • Initial Complaint

    Date:04/10/2024

    Type:Billing Issues
    Status:
    Answered
    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 paid off a loan in full December 12. Buffalo Lake Lending is continuing to debit my account every month. I have called them and they apologized and told me they would refund the amount. They have not and are still debating my account. Every month. I have attached the payoff email as well as the bank statement were they are still charging me.

    Business Response

    Date: 04/11/2024

    Thank you for the opportunity to address this customer's concerns.  To protect the customer's privacy, we will need authorization from the customer to provide details to the BBB on this platform.

  • Initial Complaint

    Date:01/05/2024

    Type:Billing Issues
    Status:
    Resolved
    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 out a loan for $1000, I have since paid back $1008 and they still say I owe $957. The interest rates are against the law in my state. This is predatory lending. Furthermore, I have emailed the company from my email and on their website revoking ACH withdrawal authorization and they continue to withdraw my bank account. I have contacted the state attorney general about the continued withdrawals.

    Business Response

    Date: 01/05/2024

    Thank you for the opportunity to address this customer's concerns.  To protect the customer's privacy, we will need authorization from the customer to provide details to the BBB on this platform.

    Customer Answer

    Date: 01/08/2024

     
    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.

    Sincerely,

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

  • Initial Complaint

    Date:12/08/2023

    Type:Billing Issues
    Status:
    Answered
    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.
    Date: 12/8/2023 Misleading Loan Letter: Pre-approval letter for a loan denied. Credit ran; hard inquiry Unethical business practices and fraudulent misleading information. Business should understand the English language in which they use and should revise their misleading information or wording as this further negatively effects my credit!

    Business Response

    Date: 12/08/2023

    Thank you for the opportunity to address this customer's concerns.  To protect the customer's privacy, we will need authorization from the customer to provide details to the BBB on this platform.

  • Initial Complaint

    Date:07/06/2023

    Type:Billing Issues
    Status:
    Resolved
    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 for 500. The interest rate is pan. 697percent having me make payments totaling 1887 dollars for 500 l have of 270 to date since may 31

    Business Response

    Date: 07/07/2023

    Thank you for the opportunity to address this customer's concerns.  To protect the customer's privacy, we will need authorization from the customer to provide details to the BBB in this platform

    Customer Answer

    Date: 07/07/2023


    Complaint: 20274753

    I am rejecting this response because:

    I give authorization as they have requested

    Sincerely,

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

    Business Response

    Date: 07/11/2023

    Thank you, Ms. **********. Please understand that you have the option to pay off early and/or make additional payments to pay your loan off early which would save on the overall cost.  

    Customer Answer

    Date: 07/11/2023


    Complaint: ********

    I am rejecting this response because: original loan was 500. After paying already 405 they say I still owe 722 I would like to pay principal only of two payments of 135 and be considered paid. 

    Sincerely,

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

    Business Response

    Date: 07/14/2023

    Please contact us at ************************************** for assistance.  We should not discuss any specific details regarding your loan agreement on the BBB platform since this is open to the public.  

    Customer Answer

    Date: 07/14/2023

    Issue has been resolved satisfactorily thank you

  • Initial Complaint

    Date:05/08/2023

    Type:Billing Issues
    Status:
    Answered
    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 was overcharged ****** on a payoff that they removed from my bank twice days apart and I am still waiting on my refund that is still not in my bank or even pending I’m over it ****** is a lot of money to still be waiting on

    Business Response

    Date: 05/09/2023

    Thank you for the opportunity to address this customer's concerns.  To protect the customer's privacy, we will need authorization from the customer to provide details to the BBB in this platform

  • Initial Complaint

    Date:04/21/2023

    Type:Billing Issues
    Status:
    Answered
    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 emailed the company on 3/23 to correct a mistake on the loan documents and update the correct date for the loan agreement. They emailed back requesting information which was sent to them. On 4/8 I received an email stating "Once 4/7 payment clears we will be able to update your pay dates". They again pulled out of my account on the wrong date, and has now cost me $** in fees with my financial institution due to this. I contacted the company and the representative informed me that it was my fault and I should have followed up to ensure this was completed by calling their company after 3 business days. No where in the communication with the company did it state to call and follow up. Then a supervisor told me that I need to call after this payment processing in 3 business days to escalate this. As far as the fees this has now cost me, I have to put in a request, but its likely I will not be reimbursed for charges this has cost me in my bank account. Be warned on this company. ******** customer service!

    Business Response

    Date: 04/25/2023

    Thank you for the opportunity to address this customer's concerns.  To protect the customer's privacy, we will need authorization from the customer to provide details to the BBB in this platform

    Customer Answer

    Date: 04/26/2023


    Complaint: ********

    I am rejecting this response because: there was no resolution provided. I give authorization for Buffalo lake to provide additional details through BBB in regards to this case.


    Sincerely,

    Stefanie ********

    Business Response

    Date: 04/28/2023

    According to our records, updates have been made as of 04/26/23(11:49pm(CST) to correct the issue.  

Buffalo Lake Lending is NOT a BBB Accredited Business.

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