Business Profile

Payday Loans

Wakpamni Lake Community Corporation

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Payday Loans.

Complaints

This profile includes complaints for Wakpamni Lake Community Corporation's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

93 total complaints in the last 3 years.
41 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.

Initial Complaint
Date:05/18/2025
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 didn’t realize this APR charge was ridiculous amount! I honestly can’t pay this loan. my income is only about 1300. Is there anything I can do? And please cancel my automatic payments. I just want to either cancel my loan. please help me out
Business Response
Date: 05/20/2025
Good Morning; I would like to help you out but I need the name of the lender that you have your account with.
Business Response
Date: 05/27/2025
This letter is in response to your concerns that were sent to My Full Wallet from the Better Business Bureau (BBB). Customer satisfaction is our top priority, and we want each customer to know how much we value them. The Company takes these types of inquiries very seriously and appreciates the opportunity to respond.
Our records indicate that you were approved for a $750 loan on April 16, 2025. The terms of the loan were provided to you at that time, and you reviewed the terms and electronically signed these documents. The Annual Percentage Rate (APR) was outlined in the loan agreement, which you signed. As stated in the loan agreement, we offer our customers the right to rescind the loan. During this stated period, customers can take the time to review the loan documentation. If a customer is not satisfied with the loan, they have the ability to repay the principal amount of the loan with no penalty or interest assessed.
We appreciate that you may be going through a difficult time financially and would like to help. We are happy to resolve your concerns by reducing your scheduled payments to $165.00 and applying these directly to your outstanding principal balance of $730 with no further interest, fees or charges applied. Starting with your scheduled payment on May 27, 2025, once further payments totaling $730 have been received, your loan will be considered paid in full.
We again sincerely apologize that you are not satisfied with your loan from My Full Wallet.

Sincerely,

Compliance Department
My Full Wallet
Customer Answer
Date: 05/29/2025
I would like to reopen the complaint.. they recieved there payment. My loan balance is 565. let me know if they respond .
Initial Complaint
Date:05/13/2025
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.
To Whom It May Concern, A loan from Consumer First Credit in the amount of $500 was taken out on 1/24/25. As of today's date, I have made of $800 worth of payments. I wish to have this account satisfied and marked as PAID in FULL. The interest rate of 737.18% is illegal in the State of New Jersey of which I reside.
Business Response
Date: 05/19/2025
Consumer First Credit (Company) has completed its review of ******* ******* complaint. Customer
satisfaction is our top priority, and we want each customer to know how much we value them. The
Company takes these types of inquiries very seriously and appreciates the opportunity to respond. Be
advised, nothing in this communication should be construed as a waiver of the Tribe’s or the Company’s
sovereign immunity, all of which are expressly preserved.
Our records show that ******* ***** was approved for a loan in 1/24/2025 for $500.00 at which time
they were provided with a copy of their Loan Agreement. Consumer First Credit ’s Loan Agreement
provided their Truth in Lending Disclosures, the Terms and Conditions of their loan along with a repayment
schedule. Consumer First Credit discloses the total cost to a borrower if only the minimum
payment schedule is followed. All rates and loan fees are prominently displayed within the Loan
Agreement and were acknowledged by Consumer First Credit at each point by electronic signature.
The interest and fees applicable to the loan are permitted by Tribal law and they were accurately and
clearly reflected in the loan agreement that was signed by * ****** ***** before receiving the loan.
As a courtesy to ******* *****, we will consider the account closed with no further obligation upon
payment of part of the remaining balance of $200.00 by check or money order to:
** *** **
Solon, IA 52333
Phone: ************
Or
******* ***** may contact Customer Service at ************ to set up payment arrangements.
We hope this resolved her concerns and will consider this complaint resolved.
Sincerely,
Compliance
Business Response
Date: 05/21/2025
Consumer First Credit (Company) has completed its review of * ****** ***** ** complaint. Customer
satisfaction is our top priority, and we want each customer to know how much we value them. The
Company takes these types of inquiries very seriously and appreciates the opportunity to respond. Be
advised, nothing in this communication should be construed as a waiver of the Tribe’s or the Company’s
sovereign immunity, all of which are expressly preserved.
Consumer First Credit is a tribal governmental entity, it is a wholly owned subsidiary of Wakpamni Lake
Community Corporation (“WLCC”). WLCC is the wholly owned tribal economic development arm of the
Wakpamni Lake Community government, a subsidiary municipal tribal government of the federally
recognized Oglala Sioux Tribe of the Pine Ridge Indian Reservation (“Tribe”). The principal place of
business and office of Consumer First Credit is at ** ******** **** **** Wakpamni Lake, South Dakota
57716 on the Tribe’s Reservation. In addition, Consumer First Credit is wholly owned and controlled by
the tribe, was established for the tribe's benefit, and formed pursuant to tribal law, thus sharing
sovereign immunity, therefore, are not subject to state laws and licensing.
The interest and fees applicable to the loan are permitted by Tribal law and they were accurately and
clearly reflected in the loan agreement that was signed by * ****** ***** before receiving the loan.
In an effort to resolve * ****** ***** ’s complaint, Consumer First Credit will consider her loan as paid in
full. There are no further payments due, and consider this matter closed.
We hope this resolved her concerns and will consider this complaint resolved.
Customer Answer
Date: 05/21/2025

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:05/05/2025
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.
This business scammed me out of my information. I would like to report it to get this business flagged as a scam. I asked them to remove my personal information from the website and they said no.
Business Response
Date: 05/07/2025
Please provide me with the name of the lender. We have multiple lenders and need this information to get your request to the correct person.
Initial Complaint
Date:04/11/2025
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 out a loan from MyBackWallet in the amount of $800. Recently, I made a payment of $250 toward the balance. Despite this, my account still shows that I owe $790 — nearly the full loan amount. I requested a clear breakdown showing how the $250 payment was applied, but I have not received a transparent or satisfactory explanation. It appears that my payment was almost entirely consumed by interest and/or fees, with very little applied to the principal balance. The loan structure feels unfair and predatory, and it seems designed to make it difficult for borrowers to make progress on repayment. I believe this company is engaging in deceptive practices by not clearly disclosing how payments are applied and by charging excessive interest.
Business Response
Date: 04/23/2025
Dear **********
This letter is in response to your concerns that were sent to My Back Wallet from the Better Business Bureau (BBB). We regret that you are dissatisfied with your loan. Customer satisfaction is our top priority and we want each customer to know how much we value them. The Company takes complaints very seriously and appreciates the opportunity to respond.

Our records indicate that you were approved for a $800 loan on March 26, 2025. The terms of the loan were provided to you at that time, and you reviewed the terms and electronically signed these documents. The Annual Percentage Rate (APR) was outlined in the loan agreement in which you signed. As stated in the loan agreement, we offer our customers a three day right of loan recession. During this three day period, customers can take the time to review the loan documentation. If a customer is not satisfied with the loan, they have the ability to repay the principal amount of the loan with no penalty or interest assessed. We are providing you with an additional copy of the loan agreement along with this response.

During the application, one of our customer service representatives also verbally explained the terms of payment to you. We apologize and regret that the terms of payment have caused you concern.
We are happy to resolve this complaint by confirming that upon communication with you on April 11, 2025, we have agreed to apply all further scheduled payments received directly towards your current principal balance of $790 with no further interest or fees applicable. Once the further $790 has been received your loan will be considered paid in full.

We again sincerely apologize that you are not satisfied with your loan from My Back Wallet.

Sincerely,

Compliance Department
My Back Wallet
Customer Answer
Date: 04/23/2025

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:03/31/2025
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 out a loan with this company and they are still taking $126.61 out of my account when I go on the website it says user not found when I’m indeed a user because they are taking money out of my account I would like them to stop this immediately because they are illegally not letting me on their site I’ve even tried to change my password they send that to my email and then when I try to change my password the screen just keeps saying loading I need this company to cease from taking money out of my account because I know I have paid them the money I owe back and their website won’t even allow me to look at my “account”
Business Response
Date: 04/02/2025
We appreciate your patience and the opportunity to address your concerns regarding your recent loan with Enable Loans. After a thorough review of your request, we would like to provide you with a summary of our findings and outline the next steps.
Your loan was established on January 27, 2025, with a deposit of $300.00 into your bank account ending in 8900. Per your signed agreement, biweekly payments of $126.61 were scheduled to begin on February 7, 2025, with the final payment due on April 4, 2025.
On February 26, 2025, you contacted us requesting to skip a payment but agreed to make a partial payment instead. A payment of $63.31 was made on March 7, 2025, followed by a full payment of $126.61 on March 21, 2025.
According to your loan agreement, you still have a remaining balance consisting of:
?
One scheduled payment of $126.60 due on April 4, 2025
?
The remaining half-payment of $62.59 due on April 18, 2025
At your request, we have stopped all ACH activity on your account. To arrange for your final two payments, please contact our customer support team at ***** ******** or via email at [email protected].
Additionally, we understand that you have experienced login issues with our customer portal. Our support team is available to assist you in resolving this matter and ensuring you have full access to your account.
For your records, we have attached a copy of your signed loan agreement and a detailed payment history. We sincerely apologize for any frustration this may have caused and remain committed to assisting you. Please let us know how we can support you moving forward.
Customer Answer
Date: 04/02/2025

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:03/26/2025
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.
A loan was taken out from this company in the amount of $900, however, this was before it was brought to my attention that Enable Loans is operating illegally as a "tribal lender" who is not a licensed payday lender in my state, Indiana, which they were aware of when the funds were dispersed. This company is operating under the Oglala Sioux Tribe of the Pine Ridge Reservation, which is a recognized tribe, however, they are working under a different LLC which is not associated with this tribe. They are charging usury amount of interest according to my state's laws, which prevail over other states as it is a requirement to be a licensed lender in the states one would be lending money. Due to the illegality of this company, my contract is null and void. I have revoked any and all ach authorization once this was brought to my attention and I have offered a payment plan for principal only, although I am not legally required to do so.
Business Response
Date: 04/08/2025
WLCC Lending II DBA Arrowhead Advance (Company) has completed its review of ****** ******** complaint. Customer satisfaction is our top priority, and we want each customer to know how much we value them. The Company takes these types of inquiries very seriously and appreciates the opportunity to respond to you regarding *** *******s concerns. Be advised, nothing in this communication should be construed as a waiver of the Tribe’s or the Company’s sovereign immunity, all of which are expressly preserved.
Regarding *** ******* concerns that the Company will not revoke her ACH authorization, the Company received her request to revoke ACH authorization on April 1, and processed the request on the same day. The Company does encourage customers to stay on automatic payments to help ensure that the payments are received by the due dates to avoid any extra fees and interest that may be added for late or missed payments.
Should Ms. Bagley have any additional concerns, pMs.se have them contact us at ************** or via email at *************************************

Sincerely,
Compliance Department
Customer Answer
Date: 04/09/2025

Complaint: ********

I am rejecting this response because:
Their response has absolutely nothing to do with the complaint. They are referring to another complaint that I had with another one of their rent a tribe loan servicers. They are referencing Arrowhead Loans when this complaint is specifically for Enable Loans.

Sincerely,

****** ******
Business Response
Date: 04/10/2025
March 27, 2025
****** ****** Complaint
BBB Complaint – ********
Re: ****** ******

WLCC Lending DBA Enable Loans (Company) has completed its review of ****** ******** concerns. Customer satisfaction is our top priority, we want each customer to know how much
we value them. The Company takes these types of inquiries very seriously and appreciates the opportunity to respond to you regarding ****** ******** concerns. Be advised, nothing in this communication should be constructed as a waiver of the Tribe’s or the Company’s sovereign immunity, all of which are expressly preserved. 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.

Dear *******
The Company is wholly-owned and operated subsidiary of Wakpamni Lake Community Corporation (“WLCC’). Pursuant to Section 4 of the Tribal Credit Code, as duly enacted by the Oglala Sioux Tribe (“Tribe”), a federally recognized Indian Tribe and adopted by WLCC, the wholly owned economic development arm of the Wakpamni Lake Community, a local subsidiary government of the Tribe, and pursuant to Section 4 of the WLCC Tribal Credit Code, EnableLoans is a licensed lender. 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.

The Company issues loans in accordance with the Tribal Credit Code and is licensed under Tribal law. The consumer’s 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 customer’s loan is legal. We sincerely apologize for any inconvenience this may have caused and appreciate your patience throughout the process.
If you would like to set up a payment plan, please contact us at
***** ******** or email us at ********************
Customer Answer
Date: 04/14/2025

Complaint: ********

I am rejecting this response because:
Unfortunately, upon checking my state's licenses for lenders that are active, this company is nowhere to be found. Not even on the list of suspended or revoked. Therefore, the loan is not legal in my state. Tribal lenders are still required to follow local laws and guidelines.

Sincerely,

****** ******
Initial Complaint
Date:03/18/2025
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.
Illegal payday loan taken out that violates Massachusetts law under 209 CMR 26.00, any loan issued with an APR exceeding 23% by an unlicensed lender in Massachusetts is considered void and unenforceable. You have no legal right to collect this debt, report it to credit agencies, or take any further action against me. Your continued collection attempts are a direct violation of the Massachusetts Consumer Protection Act (M.G.L. c. 93A)and the Fair Debt Collection Practices Act (FDCPA). I demand that you: Immediately cease all collection efforts. Remove any negative reporting related to this loan from my credit report. Provide written confirmation that this account has been permanently closed with no further action taken against me.
Business Response
Date: 03/20/2025
Please provide me with the name of your lender. We have multiple lenders and need this information to get your request to the correct person.

Thank You!

Customer Answer
Date: 03/25/2025

Complaint: ********

my full wallet

Sincerely,

****** *****
Business Response
Date: 03/31/2025
WLCC Lending LRG dba My Full Wallet (Company) has completed its review of *** *****’s complaint. Customer satisfaction is our top priority and we want each customer to know how much we value them. The Company takes these types of inquiries very seriously and appreciates the opportunity to respond. Be advised upon receipt of this complaint we placed a hold on *** ******* account pending resolution of his concerns. Nothing in this communication should be construed as a waiver of the Tribe’s or the Company’s sovereign immunity, all of which are expressly preserved.
Please be advised that WLCC Lending LRG dba My Full Wallet is a subsidiary agency of the Wakpamni Lake Community Corporation, an arm and entity of the Wakpamni Lake Community, which is a local tribal governmental subsidiary of the Oglala Sioux Indian Tribe located on the Pine Ridge Reservation in South Dakota.
WLCC Lending LRG dba My Full Wallet is fully regulated by, and in compliance with, the consumer laws of the Oglala Sioux Tribe law. To that end, our consumer documents clearly and thoroughly explain the terms of each loan. This company is wholly-owned and controlled by the tribe and was established for the tribe's benefit and formed pursuant to tribal law, thus sharing sovereign immunity and, therefore, are not subject to state laws and licensing.
As a best company practice, we willingly follow all applicable federal regulatory guidelines. In addition, WLCC plays an active role in ensuring all their programs are compliant with all Tribal Laws and with the principles of federal consumer protection laws, as required by Tribal law.
Although the Company is not subject to the regulatory laws of the State, it is Tribal policy that all customer complaints be handled in a prompt and fair manner. It is our intention to provide *** ***** with an amicable resolution. In an effort to resolve *** ******* concerns we have implemented a cease and desist on his account as requested. However, the account remains valid and we request that *** ***** contact My Full Wallet in an attempt to organize a mutually agreeable repayment plan on the outstanding balance that remains.

Sincerely,

Compliance Department

My Full Wallet
Initial Complaint
Date:03/10/2025
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.
On Friday, February 28, 2025 I noticed that $301.00 was taken out of my bank account without me authorizing it by ****** ***** I call the company on Friday, February 28, 2025 and spoke with ***** and I explained to her that $301.00 was taken out my bank account without me authorizing it ***** went on to explain that $144.80 would be refunded back to my account by Monday, last Monday evening I noticed the refund has not been issue, so on Wednesday, March 5, 2025 I call ****** **** again and spoke with Sounded like ***** now at this point I getting the run around about my refund I later ask to speak with a supervisor or Manager which I was refused several times until I was given a supervisor are manager individually I was tranfred to a supervisor by the name *** she went on to say that the refund was in process and that she will email the results about my refund and when the refund would be issued by the end of Wednesday business day I did not receive all call, so n Thursday, March 6 I have not receive my refund I proceed to call the company again and I spoke with **** which she started the same statement I have been hearing all week saying that the money will be refunded once the company has clear the ACH transaction once again I asked to speak with the manager and as usually I denied several time from speaking with the manager after the 10 or 11 times asking for a manager I was finally giving *** again now she claim that the ACH has clear now they can refund my money and she will give me an update on the status of my refund by the end of the day on Thursday, March 6.
Business Response
Date: 03/25/2025
WLCC Lending DBA ****** ***** (Company) has completed its review of (******** ***** concerns. Customer satisfaction is our top priority, we want each customer to know how much we value them. The Company takes these types of inquiries very seriously and appreciates the opportunity to respond to you regarding (******** ***** concerns. Be advised, nothing in this communication should be constructed as a waiver of the Tribe’s or the Company’s sovereign immunity, all of which are expressly preserved.
Dear Tracy,
Thank you for reaching out and following up on your refund request. We want to confirm that the funds were successfully returned to your checking account on 3/10/2025 in the amount of $301.79. For your convenience, we have below a confirmation snapshot of this transaction.
If you review your transaction history or contact a customer service representative at your banking institution, they should be able to verify that the funds have been received.
We sincerely apologize for any inconvenience this may have caused and appreciate your patience throughout the process. Please let us know if there’s anything else we can assist you with. We hope this concludes your request in full.
Initial Complaint
Date:03/07/2025
Type:Customer Service 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 keep getting phone calls and text messages from My Full Wallet saying I requested funds from them (most recently 3/7/25 and 3/6/25, but has been going on for at least 2 months). I never signed up for any type of loan or funds. They even call me the wrong name in the messages. I called and asked them to remove my phone number as it is clear someone is trying to be fraudulent and they say they need my social security number in order to remove my phone number from their system. They say they need the info to access the account. I need them to cease and desist. Any other credible bank or institution would be able to flag this as fraudulent considering I never signed up for anything.
Business Response
Date: 03/25/2025
This letter is in response to your concerns that were sent to My Full Wallet from the Better Business Bureau (BBB). Customer satisfaction is our top priority and we want each customer to know how much we value them. The Company takes these types of inquiries very seriously and appreciates the opportunity to respond.
Our records indicate that we received a partially complete loan application from you on March 4, 2025. In attempting to complete the application contact with you was attempted on the phone numbers authorized on the application. We regret the concern and distress this caused you.
My Full Wallet is happy to resolve this complaint by confirming that the application has since been closed and no further contact will be made.
Sincerely,

Compliance Department
My Full Wallet

Customer Answer
Date: 03/26/2025

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:02/27/2025
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 took out a loan with Enable Loan and made my first payment back in August 2024. However, due to the financial hardship, I communicated with them back on September saying that I still have a hardship. But I never receive any communication from them until I had to call back. Now I am told that they tried to offer me a settlement back in January but I never receive any communication from them at all. I called them today and ask them if I can do something with a smaller payment less than 100 but they refuse! They expect me to start my payment for 200 which is ridiculous a lot!
Business Response
Date: 03/12/2025
WLCC Lending DBA Enable Loans has completed its review of concerns *** *** Customer satisfaction is our top priority, we want each customer to know how much we value them. The Company takes these types of inquiries very seriously and appreciates the opportunity to respond to you regarding *** ** concerns. Be advised, nothing in this communication should be constructed as a waiver of the Tribe’s or the Company’s sovereign immunity, all of which are expressly preserved.
Dear *** **,
Thank you for reaching out to us regarding your recent concerns about your loan, which was established on August 13, 2024, with a deposit of $500 into your **** ** ******* account ending in ****. We sincerely appreciate the opportunity to assist you.
We acknowledge that you contacted us in September 2024, shortly after receiving the loan, to inform us of financial hardship. At that time, you also requested to revoke your ACH payments, which we promptly honored. As part of our commitment to assisting customers facing financial difficulties, we requested supporting documentation to explore potential options and tailor the best repayment plan for your situation. Unfortunately, we did not receive any follow-up documentation from you to proceed with a hardship evaluation.
In February 2025, you reached out again to inquire about the status of your loan and we provided you with an update on the outstanding balance of $2,078.30. During this conversation, you indicated that you would be able to resume payments in March 2025. At that time, we once again encouraged you to submit proof of financial hardship, which could include overdue bills, medical expenses, pay stubs reflecting reduced income, or any other relevant documentation that could support your request. However, as of today, we have not received the necessary information to reassess your financial situation and determine if any modifications to your loan may be possible.
We want to assure you that our goal is to assist you in finding a manageable solution, but we do require your cooperation to proceed. The payment amounts previously discussed were based on the financial information provided at the time of your loan application. If you are still experiencing financial hardship, we encourage you to submit the requested documentation so that we can re-evaluate your options.
Please feel free to reach out to us with any further questions or to provide the necessary documents. We are here to help and look forward to working with you toward a resolution.

Customer Answer
Date: 03/12/2025

Complaint: ********

I am rejecting this response because: this is not part of the agreement.

Sincerely,

*** **

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.

Cookies on BBB.org

Complaints

Customer Complaints Summary

If you've experienced an issue

Filter and sort by

Sort by

Complaint status

Complaint type

Complaint statuses

Business Response

Business Response

Customer Answer

Complaint statuses

Business Response

Business Response

Customer Answer

Complaint statuses

Business Response

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Wakpamni Lake Community Corporation is NOT a BBB Accredited Business.