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Lakeshore Loans

PO Box 764, Lac du Flambeau, Wisconsin, United States, 54538-0764

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Lakeshore Loans Reviews (%countItem)

• May 06, 2023

Scam
They offered me 2,000 then said I had to pay an upfront fee of $100 and the money would be wired within 20 min. Of course I didn't agree to this and I sent them a Google screenshot saying any loan places asking for an upfront fee is a scam. I got blocked. DO NOT FALL FOR THIS

+3

Scam
It big scam I pay in 600 got nothing back taken it I phone the police.

+5

BUNCH OF AMATEUR SCAMMERS
ALL THE INFO THEY SEND YOU IS BOGUS, OPEN REVOLUT ACCOUNT, THEN OPEN A ATOMIC WALLET ACCOUNT, THEN ASK YOU TO PAY IN MONIES THAT THEY WILL TAKE OUT VIA THE CRYPTO BLOCKCHAIN

+4

ACCEPTED FOR LOAN
I was accepted for my loan and was asked to open a revolut bank account, where ny loan will be paid in. Done all of that then I was told I have to pay 1000 pound into the account before I can get my loan. Now you shouldn't have to pay for something that you have not got that's why you ate applying for a loan. Scam company.

+4

Unreliable Contact
The company has no real way of contact on the website to resolve questions on current payment and interest. The layout of the website itself is poor. The contracted acontracted amount and stated interest is not the same as what is listed on the website.

+3

unprofessional
I applied for lake shore loans and got approved for $300. I was speaking to customer service on phone as I was putting all bank verification in. Everything was set and ready for deposit the next day. Then I get a letter saying I was denied through email. I never got a call saying I was denied. I was thinking everything went through. Lakeshore loan is not what people think it is. I also got a email saying they needed my debit card information. Which was suspicious to me. After I provided them my bank info, why would you need my debit card info? I will never deal with them again!

+4

What your account says online through them and the total payoff is a different amount and they make the excuse interest isn’t included on the online site. If you ask me that’s a way they can get over on you I never experienced this with a personal loan. I would not recommend.

+3

Over charging on interest I only borrow 300 the payments are too high

Lakeshore Loans Response • Jul 23, 2020

Please see attached that includes:

As a courtesy, even though not obligated to do so, the Company will close the subject loan and willconsider it paid in full.The customer can call the Company at 1-844-388-0500 if there are further questions or concerns.

Customer Response • Jul 23, 2020

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

Revdex.com:

I have reviewed the response made by the business in reference to complaint ID, and find that this resolution is satisfactory to me.

Regards

Used them as an emergency to pay rent, and shortly after the COVID-19 pandemic struck and I was put out of work. I called twice, to discuss my payment options and both times they asked me questions that I felt were NONE of their business. “Did you file for unemployment?” Obviously, yes. But that is NOT an over night process, and as someone with diagnosed anxiety, that only makes me feel more stressed and anxious. “What can you afford?” Realistically, nothing. But since you’re pressuring me, I guess we can set something up. I was not expecting to have payments completely stopped. However, any other business I called to discuss my options had something to OFFER, were helpful and KIND and made me feel at ease. I can surely tell you the first thing I will be doing with my stimulus check is paying this small loan OFF and NEVER using their services again. I’m absolutely disgusted.

+5

I received a small loan through Lakeshore Loans on, 6/17/19 in the amount of $600. To date I have made 6 payments totaling $974.34 towards the loan. There is a finance charge of $1,673.40 and an APR of 741.69% which is well above the max approved APR in NC. Also after research is appears Lakeshore Loans is not licensed to do business in NC and furthermore this type of loan is not legal in the state of NC.

Lakeshore Loans Response • Sep 20, 2019

This responds to the above-referenced complaint. This inquiry related to a loan from Giizis LLC, dba Lakeshore Loans (the “Company”), which is owned by the Lac du Flambeau 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 Tribe’s or the Company’s 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 L.D.F. Business Development Corporation, 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 1934, 48 Stat. 984, 25 U.S.C. §§ 476, et seq., as amended, and is identified on the United States Department of Interior’s list of federally acknowledged Indian Tribes. 83 FR 34863-01 (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. Wells Fargo Bank, N.A. v. Lake of the Torches Econ. Dev. Corp., 677 F. Supp. 2d 1056, 1061 (W.D. Wis. 2010) (holding that entities acting as arms of a tribe are entitled to tribal sovereign immunity). The Company issues loans in accordance with the Tribe’s Tribal Consumer Financial Services Regulatory Code and it is licensed under Tribal law. The customer’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. 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. The Company trusts that the complainant will find this letter of explanation satisfactory. However, if the complainant is not satisfied with the Company’s resolution of this matter, pursuant to Section 10 of the Tribal Consumer Financial Services Regulatory Ordinance, which can be found at https://www.ldftribe.com/uploads/files/CourtOrdinances/CHAP94-Tribal-Consumer-Financial-Services-Reulatory-Ordinance.pdf, he/she may pursue formal dispute resolution with the Tribal Consumer Financial Services Regulatory Authority (“Authority”). To do so, he/she must send a written request to the Authority at ***. The request must contain the information required by Section 10 of the Tribal Consumer Financial Services Regulatory Ordinance.

+2
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Address: PO Box 764, Lac du Flambeau, Wisconsin, United States, 54538-0764

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