Payday Loans
Wakpamni Lake Community CorporationThis business is NOT BBB Accredited.
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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
- 95 total complaints in the last 3 years.
- 43 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:02/27/2023
Type:Billing IssuesStatus: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 Fair Trust Group (AKA WLCC Lending FFG, d/b/a Fair Trust Group) in January 2023. Since then, I have made two on-time payments of $****** each, so I'm $****** away from repaying the principal. I checked my loan balance last week, and it says I still owe $*******! That is ******% interest, which is not only completely illegal in my state (where interest rates on loans can't exceed **%), but payday loans are also illegal in my state. This company claims they're run by a sovereign nation, but they're doing business in *******, peddling illegal loans with interest rates over TWENTY ONE TIMES the legal rate. They're preying upon people with nowhere else to go to obtain loans and keeping them in a cycle of debt. Because this is a completely illegal loan, I'm willing to pay the company the remaining principal to settle the initial loan amount but not a penny more. I can't afford any more of these insanely high payments on this illegal loan, and continuing to make these payments would force me to choose between buying groceries for my family or paying this ********** *********, ******** company. Avoid them at all costs!Business Response
Date: 04/03/2023
Dear April ******,
We were forwarded a BBB complaint you made
regarding your loan. The terms and conditions of your loan are within your
consumer loan agreement. Please note that your loan is governed by applicable
tribal and federal law. State law does not apply to your loan. This is stated
on our website and all loan documents.
The loan agreement you reviewed and signed with us clearly outlines the
annual percentage rate, finance charge, amount financed, and total payments
along with the terms and conditions of your loan. In addition, your signed loan
agreement contains a penalty free two-day cancellation period from disbursement
date in the event you changed your mind about the loan.
As a matter of goodwill however, we are willing to
accept a $*** payment to deem your account closed. You will no longer be
eligible for future loans with us.
Please contact us at **************, or email us
back to make the payment arrangement.Initial Complaint
Date:02/27/2023
Type:Billing IssuesStatus: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 in January 2023. Since then, I have made two on-time payments of $*** each so I'm only $*** away from repaying the principal. I checked my loan balance last week, and it says I still owe $*******! That is ******% interest, which is not only completely illegal in my state (where interest rates on loans can't exceed **%), but payday loans are also illegal in my state. This company claims they're a sovereign nation, but they're doing business in *******, peddling illegal loans with interest rates over ****** *** TIMES the legal rate. They're preying upon people with nowhere else to go to obtain loans and keeping them in a cycle of debt. Because this is a completely illegal loan, I'm willing to pay the company another $*** to settle the initial loan amount but not a penny more. I can't afford any more of these insanely high payments on this illegal loan, and continuing to make these payments would force me to choose between buying groceries for my family or paying this *********, *********, ******** company. Avoid them at all costs!Business Response
Date: 03/02/2023
Ms. ****** can you please provide us with your last four digits of your ssn. We are having a difficult time finding your account with the information you provided on the compliant.
Thank You!
Business Response
Date: 03/14/2023
Dear April ******,
We were forwarded a BBB complaint you made
regarding your loan. The terms and conditions of your loan are within your
consumer loan agreement. Please note that your loan is governed by applicable
tribal and federal law. State law does not apply to your loan. This is stated
on our website and all loan documents.
The loan agreement you reviewed and signed with us clearly outlines the
annual percentage rate, finance charge, amount financed, and total payments
along with the terms and conditions of your loan. In addition, your signed loan
agreement contains a penalty free two-day cancellation period from disbursement
date in the event you changed your mind about the loan.
As a matter of goodwill however, we are willing to
accept a $*** payment to deem your account closed. You will no longer be
eligible for future loans with us.
Please contact us at **************, or email us
back to make the payment arrangement.Customer Answer
Date: 03/17/2023
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,
April ******Initial Complaint
Date:02/27/2023
Type:Billing IssuesStatus: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.
WLCC Lending *** *** ******* ****** is illegally charging me ***% interest on a loan. They are submitting some electronic request to my bank for payment for amounts not agreed to, and without consent. They have no contract, no signature, and I have asked both them and my bank to discontinue this fraudulent activity, but they refuse. I cannot reach a human being on the phone, and they do not reply to my emails.Business Response
Date: 03/01/2023
WLCC Lending *** *** ******* ****** (Company) has completed its review of Rachel ********* concerns. 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 Ms. ********* 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 the concerns that Ms. ******* had regarding the
interest rate of the loan that was received, the APR of the loan was stated in
the application that was reviewed prior to signing and receiving the loan. Included with that application was the
authorization to process the payments automatically in accordance with the
payments stated on the loan agreement.
Ms. ******* is stating that the loan was a result of
fraudulent activity. The Company has
investigated the allegation of fraud and have determined that the account is
not fraud. The account the funds were
deposited into is an exact match to the account the payments are being
withdrawn from. With respect to stopping
the automatic payments, the Company has stopped the automatic payments from
processing from the point going forward, however the remaining balance of the
account is still due.
Should Ms. ******* have any additional questions he may
contact us at ************************* or via
telephone at **************, including making arrangements to repay the outstanding
balance.
Sincerely,
Compliance DepartmentCustomer Answer
Date: 03/01/2023
Complaint: ********
I am rejecting this response because: the APR is illegal in my state. The cannot legally charge me these fees.
Sincerely,
Rachel *******Business Response
Date: 03/08/2023
WLCC Lending *** *** ******* ****** (Company) has completed its review of Rachel ********* concerns. 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 Ms. ********* 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.
In regard to Ms. ********* concerns regarding the interest
on his loan and the maximum interest for the State of ********, please be
advised that WLCC Lending *** *** ******* ****** (The Company) 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 *** *** ******* ****** is fully regulated by,
and in compliance with, the consumer laws of the Oglala Sioux Tribe law. To
that end, Ms. ********* 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.
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 her before receiving the loan.
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. It is Tribal policy that all
consumer complaints be handled in a prompt and fair manner.
Should Ms. ******* have any additional questions he may
contact us at ************************* or via
telephone at **************, including making arrangements to repay the
outstanding balance.
Sincerely,
Compliance DepartmentInitial Complaint
Date:01/12/2023
Type:Billing IssuesStatus: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.
The Wakpamni Lake Community of the Oglala Sioux Tribe - Tribal Lender Not Licensed in ********** State
Date Posted:
Thursday, March 21, 2019
Alert Number: *************************
Date Updated: 03/21/2019
Date Posted: 01/11/2016
The Wakpamni Lake Community of the Oglala Sioux Tribe dba Wakpamni Lake Community Corporation
************************************************************************************************************************* Wakpamni Lake Community of the Oglala Sioux Tribe, dba Wakpamni Lake Community Corporation, may be operating several subsidiaries as online tribal lenders not licensed in ********** State, under the following business names:
*******************
First Day Loan
**************
Check Advance USA
Good Loans Fast
These businesses claim to be a subsidiary of the Wakpamni Lake Community Corporation, operated by the Oglala Sioux Tribe (formerly the Oglala Sioux Tribe of the Pine Ridge Reservation), a federally recognized Indian Tribe located in South Dakota.
Wakpamni Lake Community Corporation and their subsidiaries are not licensed by DFI and are not registered to conduct business in ********** State by the Department of Licensing, Department of Revenue, or the Secretary of State.
The above information was taken directly from the ** State Department of Financial Institutions website.
Charging %*** interest is horrible, just because they are a tribe does not make it legal, especially without any licensing. This is a real life scam.
So, per the website:
*****************************************************************************************************************************************************
I am not required to pay interest, fees, or anything to this company, yet I have paid and been charged nearly $******** in fees and interest. I am demanding a refund of said fees and interest immediately.Business Response
Date: 02/10/2023
Business Response /* (1000, 5, 2023/01/13) */
Please let me know the name of the lender that you have your account with. We have multiple lenders and I need this information in order to investigate this further.Initial Complaint
Date:11/14/2022
Type:Billing IssuesStatus: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 recived a loan in the amount of $**** from fast day loans. I have emailed them 3 times about why my balance does not go under $***. I have paid them every week since August in the amount of $***. Even though they say they have sovereign immunity in the state of ** the cap on interest is **% I have asked that they consider my loan amount paid in full for the last 3 weeks.The original loan amount was $**** they have received double that amount in paymentsBusiness Response
Date: 12/26/2022
Business Response /* (1000, 5, 2022/11/16) */
Thank you for providing us with the opportunity to address this customer's concerns. Ms. *** requested and was funded a $***** loan by Fast Day Loans in good faith of the representations made by the consumer on her loan application. The terms and conditions as well as the repayment schedule was available for Ms. ***** review at the time of loan origination. To date, Ms. *** has made a partial repayment of her loan based on the loan terms. Still, in an effort to provide superb customer service and as a one-time courtesy, we have accepted all amounts paid to date in satisfaction of the loan. Unfortunately, Ms. *** will be ineligible for future Fast Day Loans.
Consumer Response /* (2000, 7, 2022/11/16) */
(The consumer indicated he/she ACCEPTED the response from the business.)Initial Complaint
Date:10/12/2022
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I borrowed $*** on January 18, 2022. Fox Hills Cash. Since then I've paid $**** back and I'm still being told that I owe $*** more dollars on the loan.Business Response
Date: 12/02/2022
Business Response /* (1000, 5, 2022/10/18) */
WLCC Lending FHC DBA Fox Hills Cash (Company) has completed its review of your complaint. The Company takes these types of inquiries very seriously and appreciates the opportunity to respond to you regarding your concern. 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 Ms. ******* concerns about the amount of the loan and the total amount of money already paid back, prior to agreeing to the loan the Company provided Ms. ***** with a loan agreement that stated exactly how much the loan was for and the total amount of money that would be required to repay the loan if the loan went full term. Prior to us receiving the complaint from your office, Ms. ***** emailed us directly to stop all automatic payments from her account. Those payments have been stopped.
We are willing to resolve the account directly with Ms. ***** and she may contact us at ************** to discuss that resolution.
Sincerely,
Compliance DepartmentInitial Complaint
Date:10/12/2022
Type:Billing IssuesStatus: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.
While I take responsibility for borrowing money from this company, never thought I'd be paying back 30 times what I was lent. The only way to pay off your loan is to pay extra over their ridiculous fees. I've been paying ***** over their service fee for a year, and it just doesn't seem to be going down. I'm now in a financial bind, with emergency costs, and overdraft fees. Their service fee is astronomical. I've tried to settle, but go no avail. They have made 30 times, what I borrowed. I just want to dissolve the loan.They've made more than their money back. Again I do take responsibility for this. I was foolish, and stupid, but in need of moneyBusiness Response
Date: 11/29/2022
Business Response /* (1000, 5, 2022/10/13) */
Good Morning:
Please let me know the name of the lender that you have your account with. We have multiple lenders and I need this information in order to get your request to the correct person.
Thank You!
Consumer Response /* (***0, 7, 2022/10/13) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The lender is my full wallet
Business Response /* (***0, 9, 2022/10/21) */
WLCC Lending LRG dba My Full Wallet has completed its review of Mr. ************ 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.
Our records indicate that Mr. ********** initially applied for and was approved for a $*** loan on July 07, 2020. Further loans were applied for and approved on four separate occasions with the latest amount being $*** on February 02, 2022 resulting in a current principal balance $***.
For each of the loans the terms of the loan were provided to Mr. ********** and he reviewed the terms and electronically signed these documents. 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. In addition, the Annual Percentage Rate (APR) was clearly outlined in the agreement.
Further, the currently applied loan repayment option was selected by Mr. ********** when applying for his latest loan on February 02, 2022 and this was implemented as per his request.
As a best company practice, My Full Wallet willingly follows 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 My Full Wallet 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 Mr. ********** with an amicable resolution. In an effort to resolve Mr. ********** concerns My Full Wallet is happy to offer a payment plan on the $*** principal balance where all future scheduled payments will go towards reducing this outstanding principal balance with no additional or further interest, fees or charges applied.
Sincerely,
Compliance Department
Consumer Response /* (2000, 11, 2022/10/23) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Yes, I do accept this business's resolution. I acknowledge I owe the principal, and will gladly pay that, without any additional fees, as I feel they've gotten their money back 30 times over. Thank you for the resolution.Initial Complaint
Date:09/21/2022
Type:Billing IssuesStatus: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.
If I could give 1 star I would! This company lied in the very 1st thing a ran across about them when reading! I got a $*** loan recently and was only expecting to pay back about $*** maybe $*** at the most.... They are charging me over &**** and it will be over $**** that I will have paid by the time I'm done paying my loan. Had I'd known I would have never used this loan company! I also got this loan to help build my credit, but all this company wants to do is financially break you. ********************************************************************************************************************************************************************************************************************** This company has completely destroyed my spirit and hopes of getting out of debt just before Christmas. ********************************************************************************************************* STAY AWAY!!!! I do not, will not ever in a million years suggest this company to anyone at all. Absolutely terrible! This company is a *************!!!!!!!!!!!!! I should only have like 2 payments left..... **** to borrow *** which was no where at all said nor post informational wise in my initial contact. I absolutely hate the fact I got this loan *********************************************. I did the application and was approved for the loan on August 15, 2022. And I am set up for automatic payments.Business Response
Date: 10/19/2022
Business Response /* (1000, 5, 2022/09/22) */
Good Morning:
Please let me know the name of the lender that you have your account with. We have multiple lenders and I need this information in order to get your request to the correct person.
Thank You!
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