Rosebud Economic Development Corporation

I borrowed {$1400.00} on XX/XX/XXXX and was given a schedule of $ XXXXand change to be debited form my account every two weeks u til paid off. Showing it would take approximately 1 year to pay off. I signed the loan agreement, my first payment was said amount and now the second payment they are debiting is {$420.00}! I would have never agreed to repay that as I can not repay that. And only {$10.00} of it goes to principle. I was NOT given a copy of my signed agreement, I can not access any signed payment agreement in the customer portal either.

My work location has a strict no personal call policy. XXXX the representative with my quick wallet has been sent an email on XX/XX/year> to refrain from calling the work location. Shortly after another attempt was made and I explained the no call rule as it could result in serious consequences. I reminded him of my work schedule XXXX and I would return a call during normal business hours or information could be sent via email communication. XXXX confirmed getting the notice and yet still ignored the request. XXXX and quick wallet gave ignored the communication. Resulting in 3 phone calls since then, Ive been reprimanded Due to the policy here at work.

I applied for a personal loan on the XXXX XXXX XXXX XXXX.I applied online for {$600.00} and everything was completed online, all my personal information regarding address, employment, bank etctera .On its completion within few minutes I was approved.They said I was qualified for a loan up to {$1800.00} but I only wanted to borrow {$600.00}, however they never disclosed whatsoever would be the interest rate and finance charges.They were never transparent about the exorbitant interest rate of 735.61 % and the finance charges on a {$600.00} loan for {$2800.00} and total payments expected for $ XXXXThe funds were deposited to my XXXX XXXX bank by ACH on Monday morning and I paid a bill from that account.When I called them up the after logging in with account information I was totally surprised and shocked at the terms of the loan when I read it.The terms also included a payment schedule laid out beginning XXXX and amount to be paid of {$170.00} every 2 weeks, that coincide with my pay…

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On XX/XX/year>, I successfully secured a small loan of {$600.00}. However, upon reviewing my payment history, I discovered that my total outstanding balance had increased to {$3200.00} as of XX/XX/year>. Despite making {$160.00} payments every XXXX weeks, I am perplexed as to why I continue to make payments. I have already completed XXXX payments, amounting to {$2500.00}, which exceeds the initial loan amount of {$600.00}. XXXX 642.52 %

I applied for a payday loan online for {$700.00} on XX/XX/year> to help with holiday expenses. I was given {$300.00} the next day. Never received any paperwork. I have been paying the loan back bi weekly starting on XXXX in various incriminates. I have payed back a total so far of {$860.00}. I called my quick wallet and they said I still owe {$200.00}. I only received a loan for {$300.00} and they are saying my total pay back is over {$1000.00}. This is fraud. The lady i spoke to told me to email XXXX which i did to have my paperwork emailed to me. I have not had any response from the company. They are overcharging me and not giving me any paperwork to verify the amount.

I obtained a {$750.00} installment loan from Willow Lake Lending in XX/XX/year>. Since origination, I have paid approximately {$3500.00} through scheduled debits ( 34 payments of {$100.00} ), yet the lender is still asserting a remaining balance of approximately {$580.00}. I am disputing the lenders payment practices and ongoing ACH withdrawals. Given the substantial amount already collected relative to the original principal, I have serious concerns about how payments have been applied and how the remaining balance has been calculated. I revoked ACH authorization and notified both the lender and my bank that no further electronic debits are authorized. I also opened a dispute with my bank and provided supporting documentation, including the loan agreement and payment-related records. Despite these actions, collection activity appears ongoing and the lender continues to claim a remaining balance.…

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I took out a {$3000.00} installment loan from Willow Lake Lending on XX/XX/year>. I later discovered that the loan requires XXXX payments of approximately {$1400.00} each, for a total repayment exceeding {$23000.00}, with an APR of approximately 580 %. At the time I entered into this agreement, I was recovering from a XXXX which significantly impaired my ability to read and understand complex documents. I continue to have difficulty reading and writing and rely on assistive tools such as text-to-speech and other XXXX. I did not fully understand or knowingly agree to these repayment terms. I have made XXXX payments totaling {$4300.00}, which exceeds the original loan amount. I believe this loan is predatory and unconscionable. The lender states the loan is governed by tribal law and includes provisions limiting legal action and requiring arbitration, which I believe restricts my ability to access normal legal protections.…

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Ok, I got this load I needed for a XXXX back in XXXX. I do not mind paying, but what I do mind is this. They take out money every week and only put XXXX toward the loan. I have paid them the amount. I spoke to the agent, and she said yes, we only take out XXXX and the rest is fees. What fees? I will send the a copy of this. On the site its like ok let me go ahead. I can work with this company, and I was so glad. But when I saw this XXXX, if I knew that, I would not have signed for the loan. And I told her you all are loan sharks.

I am a resident of Louisiana and am filing this complaint regarding account # XXXX with Three Sticks Lending. First, on [ XX/XX/year> ], I formally revoked my ACH/Electronic Payment Authorization in writing. The company acknowledged and confirmed this revocation on [ XX/XX/year> ], which I have attached as evidence. Despite this, I am concerned about potential unauthorized draft attempts under different entity names, which would violate XXXX XXXX XXXX. Second, I am formally disputing the validity and enforceability of this debt. The interest rate on this loan exceeds 400 % XXXX, which is significantly higher than the 45 % per annum limit for Criminal XXXX in Louisiana under LA Rev Stat 14:511. Furthermore, under LA Rev Stat 9:3557, lenders must be licensed by the Louisiana Office of Financial Institutions ( OFI ) to conduct business in the state. I believe this loan is void and unenforceable due to these state law violations.…

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Never applied with them, guessing another company sold my info. They sent me texts saying I was approved for {$1000.00}, give them a call, so I did. As soon as they answer, first thing they say is can I have your full social to pull up your account. I thought it was weird, so I said Im not comfortable, then they follow up and say whats your email then? ( Why not lead with this? ) gave them my emails, they cant find anything, although they sent messages to me. Then they proceeded to ask for full social again, so I gave it to them ( stupid decision ). Then they pull up account, dont say anything about the approval or anything. They go straight into asking me employer info and banking info. Once I connected my bank, they said, we cant help you, and hung up. This seems like fraud and a scam to me. If you look at reviews, EVERY ONE OF THEM ARE 1 stars.

I applied for this loan and they called and immediately asked for my social which was weird. I was in a desperate time and requested {$400.00} which I received and another one for {$160.00}. They charge fees of $ XXXX, and installments of {$40.00} each. I called XXXX weeks ago and the lady on the phone said that with my current payment schedule, I would have to make another " XXXX payments ''! They also said that there was no way to stop recurring billing, meaning I will have about {$120.00} deducted from my checking for the next XXXX weeks for a {$560.00} loan. I read that they may not be licensed in Florida and their interest rates may be illegal. Everything that I have read about this company is negative and many think they should not be able to operate anymore, which I 100 % agree. I am attempting to try to find a class action lawsuit and stop paying them.

I needed a loan because my car broke down. So I went through XX/XX/XXXX website to prequalify for a {$2500.00} loan. XX/XX/XXXXwebsite sent me to a third party website that sent me an offer for {$2700.00} it didn't have the terms of the term only the amount. I wasn't aware of the 500 % interest rate on this loan. If I would have been aware from the beginning I would have never took the offer. Why would I want to pay {$13000.00} in interest payments for likes I an of {$2500.00}. It doesn't make sense. I didnt see that until after I made my first payment. Because there website didn't update until after I made my first payment.

I attempted to get an approval loan for a trip with XXXX, they declined me but said they could connect me with other lenders. Myquickwallet contacted me saying I was preapproved for {$1000.00}. I submitted my information and was told I needed to call them to confirm the loan. I called them and did the loan process. It came down to the bank info where I submitted my banking password and email to them because they stated they were having trouble connecting my bank account to their services that verify banks. I stupidly gave them my username and password for the bank. Even after this they said I was approved and the funds would be in my account later this evening or tomorrow morning. Around XXXXpm I got an email stating I was declined which really disappointed me as I was relying on and looking forward to this money so I did some research on the company and apparently this is something they have done with mostly everyone.…

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This loan was taken out in XXXX for {$300.00}. I getting call from a server company I think that wants me to signed something the message don't really state. They gave me XXXX phone to call Idid that it belows to a XXXX XXXX company. Guy on the phone state I owe over {$14000.00} for a XXXX check and not complete the loan. I state I had settlement and I had letter for that but its XXXX and I can find it. I call the phone # from the org loan it working anymore. I was very nasty. I working on going back on my bank statements to find the payments I made to them. When I call this XXXX company they had my birthday wrong and really could tell me much about the matter he had..... Just that they wanted to sever me paper work and garish my paycheck for over {$14000.00} over a {$300.00} loan....... The serving company has call my son 3 times and my Ex husband and me and my current husband over this.......…

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I applied and received a loan for {$1000.00}. The said I would be making {$300.00} payments every pay day till paid off. What I did not realize was the interest they were going to charge. I well over paid the original loan and a large amount of interest before I realized they wanted me to do these payments for another year for {$1000.00} loan.

I am writing to report Willow Lake Lending for predatory lending practices involving XXXX # XXXX. The company is charging a 738.23 % APR on a {$300.00} principal, resulting in a total repayment of {$1600.00}. This lender is using a " XXXX XXXX '' model to intentionally evade state interest rate caps and consumer protection laws in Texas. The agreement mandates binding arbitration and claims sovereign immunity to prevent borrowers from seeking legal recourse in state or federal courts. I am concerned that this company is part of a " XXXX '' scheme where a third-party non-tribal entity is actually managing the loan operations while hiding behind tribal sovereign immunity to charge illegal interest rates. I request that the CFPB review this lenders practices and their compliance with the Consumer Financial Protection Act, specifically regarding unfair, deceptive, or abusive acts or practices ( UDAAP ).

I had filed a complaint regarding this issue prior in XXXX. There was never a satisfactory response or resolution. Since XXXX the company attempting to collect has changed to XXXX XXXX. That communication occurred on XX/XX/XXXX. Just as occurred in XXXX I recieved a telephone call from XXXX stating I owed a debt they were attempting to collect and resolve. And the amount demanded was {$5400.00} for a company named ZOCA LOANS. As I told them, I do not have any records indicating any transactions with a company of that name. This debt was supposedly initiated in XX/XX/XXXX & subsequently written off in XXXX of XXXX. I have never received the requested supporting documents. The total due according to XXXX is {$5400.00} which sounds like nothing I ever engaged in. Being that this is a XXXX attempt at what I believe is a scam, I have recontacted CFPB.

When I got laid off from my job I called told them that I was in able to make a payment.i had also told them that I only get a set amount each month and the wanted to take my whole pay and I told them they could not do that. I am XXXX and can not work at this time I am struggling to make ends meet and try to pay this loan with such high interest and late fees I can not afford. The dates are XX/XX/XXXX and XXXX the keep calling me every day from them days after.and now they are want sue me for the money and I have the number to the attorney for this action. When I talk to the attorney from the collection they want to garnish my bank account and take all my money.the attorney wants me to pay XXXX a month and I can not afford that

I am a California resident and took out a {$1000.00} loan with Willow Lake Lending. The loan carries an APR of 738 %, with total repayment exceeding {$5300.00}. I believe this loan is predatory and not compliant with California lending laws. The lender is not clearly licensed in California and is attempting to enforce excessive interest and fees. I am requesting that this loan be reviewed, that my payments be applied to principal only, and that the account be marked paid in full if the principal has been satisfied. I am also requesting that the lender cease all further collection efforts and debits from my account.

I am filing a complaint against My Quick Wallet regarding an unauthorized electronic withdrawal from my bank account. On XX/XX/year>, I formally revoked authorization for My Quick Wallet to debit my bank account through Electronic Funds Transfer ( EFT ). After submitting my revocation, the company removed my bank account information from my profile. However, despite the revocation and removal of my banking details, My Quick Wallet processed a debit from my bank account in the amount of {$230.00} on XX/XX/year>. Under the Electronic Fund Transfer Act, once authorization for recurring electronic payments has been revoked, any further withdrawals are unauthorized. I have attempted to contact the company during their listed business hours but repeatedly receive an automated message stating that I am calling outside of business hours, making it impossible to speak with a representative.

Company Name : AFS CS d/b/a Three Sticks Lending Loan/Account # : XXXX Dates of Issue : Loan dated XX/XX/year>, first debit XX/XX/year> Amount : {$350.00} unauthorized ACH debit today from my XXXX XXXX XXXX account What Happened XXXX XXXX XXXX charged 494.5 % XXXX on {$1800.00} installment loan to CA XXXX, violating California Fair Access to Credit Act XXXX 36 % XXXX XXXX for loans under $ XXXX ). Only debited today despite predatory terms. Revoking ACH per XXXX XXXX full refund of debit and void excess interest. Actions Taken by Company : Ignored CA usury laws claiming tribal sovereign immunity. Address : XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX, XXXX XXXX. Phone : ( XXXX ) XXXX. Email : XXXX.

I am a Massachusetts resident who took out a short-term installment loan online to cover unexpected expenses. I fully intended to repay the loan but I am now trapped in a cycle of debt due to the extremely high interest rate. I borrowed XXXX dollars on XX/XX/year>. The APR is 614.35 percent and I am scheduled to repay XXXX dollars over XXXX weekly payments. That is over XXXX dollars in interest and fees on a XXXX dollar loan. This lender is not licensed in Massachusetts. Massachusetts caps small loan interest rates at 23 percent APR. This loan exceeds that cap by an enormous margin. The lender claims tribal sovereign immunity to avoid Massachusetts consumer protection laws. I have already made XXXX weekly payments of XXXX dollars totaling XXXX dollars. Despite paying nearly XXXX dollars on a XXXX dollar loan the vast majority of that has gone toward interest rather than principal. The weekly payments are consuming a significant portion of my income and I am falling further behind.…

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In XX/XX/XXXX I filled out an application for a loan due to having cash flow issues with my business. Upon them reaching out by phone afterwards and seeing the terms of this loan I informed the gentleman that I would consider accepting the loan but I was very persistent that I wanted to make sure verbally that I was not accepting the loan for {$1200.00} due to the amount of interest due and having to put my banking information in the application. A day or so later I looked into my account and there was {$1200.00} deposited by them. I called them immediately upon doing so and the person I was talking to informed me that I could pay off the initial loan amount in full at any time so I did not panic as much after this reassurance ( and I would hope these conversations are all recorded ). So I also have accumulated XXXX in VIP points which it says XXXX dollar towards your principle as of XX/XX/XXXX.…

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So I lost my job last XXXX I did get unemployment for a little bit then lost it, I had a job lined up but the hireing process took almost XXXX months to finally get me in but during that time I was so broke with my car payments rent bills etc, also have a XXXX XXXX XXXX son live on my own in a small apartment. It got rough but Im always receiving loan offers so I took a small XXXX thinking I could pay it back right away, but Im had my sons birthday we had XXXX, school activities, my mother had a XXXX, my gf mother passed away all since XXXX so I havent been able to pay this loan back and the interest rate is not what I thought at all and its saying its 500 % return for them for a {$1400.00} loan. {$280.00} every XXXX weeks, if already paid them the amount back so far I just can keep this up, & I googled a 500 % interest rate its says its illegal. So I need legal help please.

I got the loan on XX/XX/year> it was for {$650.00}. I revoked authorization from auto payments and went to pay on it and realized the amount was already up to {$1000.00}. I contacted them and told them it wasnt that my amount was that high already. I told them I refuse to pay. Its currently at XXXX within a month of getting the loan just because of interest

Willow lake lending is claiming I took a loan out with them on XX/XX/XXXX in XXXX ga online. I started the loan process but didnt not go through with it, after researching I saw that have a law suit against them for overly high interest rates without the consumer knowledge so I stoped the application. They are stating that I still sign up for the loan but I dont have any loan paper work in my email or mail to my house about this loan. They claim the loan was for XXXX dollars and started taking payments out my account XX/XX/XXXX. I didnt find out until XX/XX/XXXX that they have been taking these payments. They have taken a total of XXXX dollars out my account so far and claim the total pay back is XXXX dollars. I have stop the automatic payment but not sure how to proceed after this. Im still waiting on the paper work they said I sign for the loan but like I said before I never had any paper work email to me or sent to my home stating I had a loan with them.…

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Charged interest or feed not properly disclosed I obtained an installment loan from willow lake lending on XX/XX/XXXX2025 in the principal amount of {$1200.00}. I have since made XXXX monthly payments of {$570.00} totaling {$4000.00}, which already exceeds XXXX times the amount borrowed. Despite these payments, i have learned very little principal has been reduced to be repaid under this loan is {$9200.00}, including {$8000.00} in finance charges. At the time I entered into this agreements, the true total case of the loan and the manner in which payments would be applied were not clearly or understandably disclosed. While an APR figure appeared in the documents, the practical effect of the payment structure was not explained, specifically that : - Monthly payments would be applied primarily to finance charges, not principal. - Paying for months would result in little to no reduction of the loan balance. - The total repayment amount would exceed XXXX times the amount borrowed.…

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Zoca Loans have stated that I took out a cash advance loan of XXXX in 2020 Ive called the bank XXXX XXXX XXXX bank my account have been closed in XXXX XXXX so how can I receive any deposits on a bank that been closed they also had my old employer that I havent worked in over XXXX to XXXX years or more and now they saying they want about XXXX something and they will put a lien on my car over a debt that I never sign or agree or receive from them please help me with this matter thank you

ACH authorization for this loan was revoked in writing and the linked bank account was permanently closed. Despite this, Willow Lake Lending stated that a scheduled payment had already been sent for processing. I requested written confirmation that ACH authorization was revoked, a complete payment history, an itemized breakdown of how payments were applied, and a single accurate payoff statement. Instead, the company provided inconsistent payoff amounts and has not provided the requested documentation or written confirmation that further debits will not occur.

I obtained an online loan from XXXX in XX/XX/XXXX. I received XXXX deposits of {$300.00} each on or about XX/XX/XXXX and XX/XX/XXXX, for a total of {$600.00} in loan proceeds. Since receiving the loan, I have made payments as scheduled. On or about XX/XX/XXXX, the company withdrew {$140.00} from my bank account. On or about XX/XX/XXXX, the company withdrew an additional {$180.00}. In total, I have paid {$330.00} within approximately XXXX month. Despite these payments, XXXX continues to reflect a remaining balance of approximately {$580.00}. The payments made have not meaningfully reduced the principal balance and appear to be applied primarily to fees and interest. Based on these amounts and the short time period involved, the effective cost of credit is extremely high when annualized. I am not refusing to pay the loan. I am disputing the fairness, structure, and disclosure of the fees, interest, and payment application.…

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