Complaints

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:11/16/2022

  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 loan is not what I wanted. I am getting charged way more than the loan itself, now owing more than the amount lent and all the payments have been made on time. I cannot afford this loan. They are loan sharks. I am going to inquire about Marylands interest amount limits. During this financial crises, this is obserd. Calling the company, you get no answer. ************** law, Code, Com. ******. Except as otherwise provided by law, a person may not charge interest in excess of an effective rate of simple interest of 6 percent per annum on the unpaid principal balance of a loan.

  Business Response

  Date: 11/17/2022

  This responds to the above-referenced complaint. This inquiry related to a loan from
  Anong<LLC dba Avail Blue (the Company), which is owned by the *** du ******** Band of
  Lake Superior Chippewa Indians (Tribe). The Company takes these types of inquiries very
  seriously and would like to provide you with the below information. Nothing in this
  communication should be construed as a waiver of the Tribes or the Companys sovereign
  immunity, all of which are expressly preserved.
  The Company is a wholly owned and operated subsidiary of LDF Holdings, LLC (LDF
  Holdings). LDF Holdings is a wholly owned and operated subsidiary of the ******************************************* which is a wholly owned and operated economic arm and
  instrumentality of the Tribe. The Tribe is a federally recognized Indian tribe, organized under a
  Constitution pursuant to the Indian Reorganization Act of ****, 48 *************************, et
  seq., as amended, and is identified on ***************** ********** of ********* list of federally
  acknowledged Indian Tribes. ************** (July 23, 2018). The Company is an arm of the
  Tribe. As an arm of the Tribe, the Company possesses all of the privileges and immunities of the
  Tribe. The Tribe and the Company are entitled to tribal sovereign immunity and they are not
  subject to state law. ***** *********** N.A. v. ******************* Econ. **** ****** 677 F. Supp.
  2d ****, **** (W.D. ***. 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: ****************************************
  
  Anong, LLC dba Avail Blue LDF Holdings, LLC
  P.O. ***************************************************************** ******************* 54538
  The Company trusts that the complainant will find this letter of explanation satisfactory.
  However, if the complainant is not satisfied with the Companys resolution of this matter, pursuant
  to Section 10 of the ************************* Services Regulatory Ordinance, which can be
  
  found at https://www.ldftribe.com/uploads/files/Court-Ordinances/CHAP94-Tribal-Consumer-
  Financial-Services-Reulatory-Ordinance.pdf, he/she may pursue formal dispute resolution with
  
  the ************************* Services Regulatory Authority ************ To do so, he/she
  must send a written request to the Authority at *************************************************************** 54538.
  The request must contain the information required by Section 10 of the *************************
  Services Regulatory Ordinance.

• Initial Complaint

  Date:08/05/2022

  Type:Product 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.

  The fees and pay back amount is too much. Every time I call the amount goes higher. They are over charging for a 500 loan. They are taking advantage of people in need.

  Business Response

  Date: 08/08/2022

  This responds to the above-referenced complaint. This inquiry related to a loan from
  Anong, LLC dba AvailBlue (the Company), which is owned by the *** du ******** Band of
  Lake Superior Chippewa Indians (Tribe). The Company takes these types of inquiries very
  seriously and would like to provide you with the below information. Nothing in this
  communication should be construed as a waiver of the Tribes or the Companys sovereign
  immunity, all of which are expressly preserved.
  The Company is a wholly owned and operated subsidiary of LDF Holdings, LLC (LDF
  Holdings). LDF Holdings is a wholly owned and operated subsidiary of the ******************************************* which is a wholly owned and operated economic arm and
  instrumentality of the Tribe. The Tribe is a federally recognized Indian tribe, organized under a
  Constitution pursuant to the Indian Reorganization Act of ****, 48 *************************, et
  seq., as amended, and is identified on ***************** ********** of ********* list of federally
  acknowledged Indian Tribes. ************** (July 23, 2018). The Company is an arm of the
  Tribe. As an arm of the Tribe, the Company possesses all of the privileges and immunities of the
  Tribe. The Tribe and the Company are entitled to tribal sovereign immunity and they are not
  subject to state law. ***** *********** N.A. v. ******************* Econ. **** ****** 677 F. Supp.
  2d ****, **** (W.D. ***. 2010) (holding that entities acting as arms of a tribe are entitled to tribal
  sovereign immunity).
  The Company issues loans in accordance with the Tribes *************************
  Services Regulatory Code and it is licensed under Tribal law. The customers loan agreement
  provided that it would be governed by the laws of the Tribe, without regard to the laws of any
  state. The interest and fees applicable to the loan are permitted by Tribal law. They were
  accurately and clearly reflected in the loan agreement that the customer signed before receiving
  the loan. The customer also received a TILA disclosure that outlined the amount and date of each
  payment required under the loan agreement. Due to its immunity, the loan is not subject to state
  law and the Company is not required to be licensed with any state. The customers loan is legal.
  Although not required to do so, as a courtesy, the Company will reach out to the customer
  with an offer to resolve their loan.
  The customer can call the Company at ************** if there are further questions or
  concerns.
  
  DocuSign Envelope ID: ************************************
  
  Anong, LLC dba Avail Blue LDF Holdings, LLC
  P.O. ***************************************************************** ******************* 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 Answer

  Date: 08/19/2022

  I am very satisfied with the outcome thank you so much