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Address: PO Box 231, Lac du Flambeau, Wisconsin, United States, 54538
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I took a loan out with Amplify out on 7/4/19 for $1000. Not fully understanding the interest rate, thinking back no one from said company called to explain the massive interest rate of 690% which is illegal in the state of Indiana. So on a $ 1000 loan, I would be paying $ 3824.88, $2824.88 paid in interest fees, which is extremely high for a $1000 loan which is like loan sharking....... My payment is $318.74 every 2 weeks, which is a total of $637.48 a month. More then my car not, this loan has cause more of a financial hardship then helping and cause me to go deeper in debt. I have already paid $1593.70, so I have paid $1000 plus 593.70 in interest, with $2231.18 remaining on a $ 1000.00 which doesn’t add up.... I have paid the $1000 and 50% Or more in interest. I need some resolution from this loan which is causing hardship.... I do not want this company contacting my job, Under the Fair Credit Act is prohibited and released from farther collection on loan. To Cease and desist any communications or collections , these loan has been paid and then some, Amplify is wanting me to pay for this loan 3 times it’s value... please investigate. Thanks.
Although not required to do so, as a courtesy, the Company will reach out to the customer withan offer to resolve their loan.The customer can call the Company at *** if there are further questions or concerns.
I checked with this organization to loan some money and they approved me for $1,100 and misled me as they talked finance charge only they did not tell me that this was 760% interest per year and I would have not learned this money if I would have known that so I feel I've been deceived. I checked with my bank and they explained it to me and figured it out what the actual interest rate would be and I had no idea it was that much
Although not required to do so, as a courtesy, the Company will reach out to the customer withan offer to resolve their loan.The customer can call the Company at *** if there are further questions or concerns.
Please see attached that includes:
Although not required to do so, as a courtesy, the Company reached out to the customer with anoffer to resolve their loan. The customer declined the discounted offer. As the loan is legal, the customer will be held to the terms of the contact. He was read the terms, verbally agreed to them, and signed the loan agreement.The customer can call the Company at 1-844-388-0500 if there are further questions or concerns.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below. Amplified claims that I was read the terms and conditions of the loan and that is not true. No where did they tell me that there was 760% interest they're only talked about a finance charge and misled me in believing that that loan was a good option to used for the period of time I needed it which was up to a year. Nowhere again was I told that there was 760% interest it may be hidden in the terms and conditions but I was never read that and I was in and out of that phone call in a very short period of time there's no possible way that I could have known all of the information amplified said that was given to me. Even though Amplified thinks I am obligated to pay, due to bankrupt situations and they have helped cause this, it is my nly option that I'll be looking into bankruptcy. I don't believe that they help me I believe that they hurt me and sent me over the edge in having to look at bankruptcy as an option to clear myself of unfortunate debt that I didn't necessarily accumulate on my own but I'm the one who is left standing alone to take care of it so that will be my option as I have no choice.
Regards
Please see attached that includes:
Although not required to do so, as a courtesy, the Company reached out to the customer with anoffer to resolve their loan. The customer declined the discounted offer. During a 20 minute call withthe customer, he was read the terms of the contact, including what his payments would be, what theinterest rate was, and the duration of the loan, he verbally agreed to them, and signed the loanagreement. A review of the recorded call verified that the agent explained this loan thoroughly to thecustomer.
The customer can call the Company at 1-844-388-0500 if there are further questions or concerns.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
First of all,I couldn't open the attachment that the loan company sent me throug Revdex.com of Wisconsin, the attachment right above this email, I don't know why.I would accept the offer cause no interest rate was afforded to me, I don't remember any of that conversation. I'm in a state of major grieving daily for the last 5 years as I lost contact with my only child, his mother enabled it, I'm so tired of explaining, I won't go any further. I'm not using that as. Way out, I have done this before with no knowledge , I just wanted that to be known. My life is at an all time low because of this alienation thrown at me so there really isn't anything I'm worried about with the financial services company that loaned me the money either, I'm not really worried about anything, I'm in a state of dissolution, I know my rights to and they don't seem to mean anything when it comes to my son. Send me validation on that recording so I can hear for myself cause I dont remember. .]
Regards
Terrible rates. Too hard to pay. Customer service terrible Not a good business
I asked for a $1200 loan, which I received! I never knew the term of the loan, until I asked 3 months later. They said my loan would be for 12 months. I was shocked, I live on a fixed income, plus I told them not to withdrawal my payment until the first of the month, as that is when my *** is available. I just looked at my checking account again, they submitted the payment on the 30th again, my bank charged me $35, again! Their interest is bad enough but insufficient funds on top of that. I’m a 75 year old women that lives on a fixed income, sorry I took out the loan, if I knew then what I know now I never would have. So unhappy! Thank you!
Although not required to do so, as a courtesy, the Company will reach out to the customer withan offer to resolve their loan.The customer can call the Company at *** if there are further questions or concerns
Applified funding is sending collection letters to other agencies,as they must have sold because I did business with Applified Funding and made monthly payments until the terms were changed without my knowledge.After many attempts to debit my bank account I was forced to dispute through my bank.The company is a scam and I do not owe the amount that they quote.Also,as I stated,they obviously sold the debt to another company that I have no contract with.
Please see attached that includes:
Although not required to do so, as a courtesy, the Company will reach out to the customer withan offer to resolve their loan.The customer can call the Company at 1-844-388-0500 if there are further questions or concerns.
IThe company was paid in full and seeking additional funds.Revdex.com:
I have reviewed the response made by the business in reference to complaint ID, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Regards
I got a 1200$ loan back in mArch and have been making a 413$ every month since then.. Did not realize that is the State of Georgia payday loans are illegal.. However, that’s not the issue for 7 month I have made a 413$ payment..I have paid the principal back and a additional 1200$ are more. I called amplify to see if I could get My payments carried out longer, to get my payments down lower because I fell into a hardship by being hospitalized.. However, they were unable to work with me and at this point I feel as if this company is a Money Scam.. I found out in my home state payday loans are against the law. The interest rates do not seem legit either.. Need help!!! I would never use this company again because it’s a company trying to steal hard working people money, that already had finical hardships!! Sincerely thinking about filing a complaint within the court system.. Thanks Again, Belinda
On Monday September 23 2019, my wife applied for a loan for me online through a company called amplify, I had no Ideal that I was agreeing to anything because I was drinking and it was about 1:00 am in the morning. Sometime later I received a call from what I think was a agent from a loan company who ask questions that I'm not sure what was asked and I answered to the best of my ability. When I was fully aware I called this company and expressed my desire not to accept any funds from the company and accordingly I have 24 to 72 hours to change my mind to purchase anything prior to any deposits made to me prior to any actions taken on Amplify. In other words I informed them within 12 hours that I no longer want to do business with them and sense no deposits were made I would not accept any funds after I expressed I would no longer want their services prior to any deposits made on my behalf.I express to anyone answering the call at: *** email to *** and I sent a letter (stating any funds sent after September 24, 2019, @ 1:17 pm will be done at their own RISK), via US Mail at Amplify Funding ***. I have with good faith void and revoked any contracts with this company prior to any funds made to any account and advised them within 24 to 72 hours of Amplify funding any accounts that this company would do so at their own RISK. I will not be responsible for any actions taken by Amplify Funding and if they are expecting any funds on my behalf I will request damages in the amount of 3304.68 to be paid in full at the time of disbursement of any payment Amplify is expecting to receive.
On 9/23/2019, our first contact with *** was over the telephone when he called in toverify his account and take out a loan. Mr. agreed to the terms of the loan and signed theagreement.On 09/24/2019, Mr. called, chatted, and emailed to cancel loan, on each notice Mr. was advised he would have to wait until the funds were deposited into the account in order towithdraw them.On 09/25/2019, Mr. emailed stating he has not received the deposit of the loan, was thenadvised to call in to verify the information to resolve the issue.On 09/26/2019, Mr. called it to cancel to loan, the customer service representative placedMr. on hold to get the “Loan Cancellation Process” ready, and Mr. hung up while on hold.No other correspondence (phone, email, or web chat) has been received regarding this loan.
Although not required to do so, as a courtesy, the Company will reach out to the customer withan offer to resolve their loan.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
I have warned this business if any deposits were made on my behalf, which I do not acknowledge any deposits my on my behalf, were void and (this business) making any deposits on my behalf (will be done) at the expense of this business own risk. I do not assume any responsibility for any actions made my this company after this business was notified by Chat-Email and US Mail of the cancellations.
Regards
This responds to the above-referenced complaint. This inquiry related to a loan from (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. On 9/23/2019, our first contact with the customer was over the telephone when he called in to verify his account and take out a loan. The customer agreed to the terms of the loan and signed the agreement. On 09/24/2019, the customer called, chatted, and emailed to cancel loan, on each notice the customer was advised he would have to wait until the funds were deposited into the account in order to withdraw them. On 09/25/2019, the customer emailed stating he has not received the deposit of the loan, was then advised to call in to verify the information to resolve the issue. On 09/26/2019, the customer called to cancel to loan, the customer service representative placed him on hold to get the “Loan Cancellation Process” ready, and the customer hung up while on hold. No other correspondence (phone, email, or web chat) has been received regarding this loan. We ask that the customer contact us to resolve this issue. They can contact us at *** to finish the loan cancellation process.
On 5/23/19 I received a $400. loan from Amplify Funding. On 5/31, 6/28, 7/2019 and 8/30/2019 I returned payments of $137.70 on each of these dates totaling $550.80. Since I have not had any communication with them concerning my payments I assumed the loan was now paid off.
I continue to find that they are trying to withdraw more money from my account, which is on the minus side, I continue to be assessed a $35.00 fee from the bank every time they attempt to do this.
When I do receive money into my account I am concerned that they will withdraw from that. (I need that money for my rent, food, etc.
I have contacted them, informing them of the above information and they have hung up on me.
On 05/22/2019, our first contact with *** was over the telephone when she called in toverify her account and take out a loan. Ms. agreed to the terms of the loan and signed theagreement.On 09/28/2019, Ms. called in concerned about payments coming out of her account. Ms. was advised she had 7 payments remaining out of her 12 payments in total.No other correspondence (phone, email, or web chat) has been received regarding this loan.
Although not required to do so, as a courtesy, the Company will reach out to the customer withan offer to resolve their loan.
The customer can call the Company at *** if there are further questions or concerns.
An Amplify loan is expensive which anyone knows that who takes a loan from them. Due to that fact I arranged for a total payoff on Wednesday 9/25/19. Unknown to me until Thursday my bank bounced an $800 deposit of a money order I submitted over a week before stating the "image was not clear". This threw everything off and by Thursday the full payment of the loan bounced. I called Amplify on Thursday but they told me to call back on Friday. I called Friday to submit the payment again but Amplify absolutely refused and said my regular payment will happen today (Friday) and I can pay it all on Monday and no sooner. THIS GIVES THEM ANOTHER $100 in interest. If I had called on Thursday they could do it today but no one told me that on Thursday. I am furious about the lack of flexibilty when I had reasons out of my control. Asking for a Supervisor was told they are busy but the answer is the same. I arranged for the Monday payoff but am furious and would NEVER recommend this company again.
Although not required to do so, as a courtesy, the Company will reach out to the customer withan offer to resolve their loan.The customer can call the Company at *** if there are further questions or concerns.
Twice they called asking me for payments I had a fraud on my account so the bank closed that account and open a new one I refused to put them back on there because I didn’t get the fraud until I gave them my info. I even told them this not only that I sent them a bank draft for 887.00 that covered the late fee and one additional payment I don’t owe them no more money until November 3rd. They were the only ones who had my banking info they took a thousand dollars and were about to take 6,500 dollars with phony check. I only Bowers’s 1200 dollars from them.
The information can be sent to ***. If the customer has any additional
questions, he/she can call the Company at ***..
I applied and received a loan for $1200, I have paid back $824 but look at the interest that I will be owing is outrageous, yes I was desperate and Amplify took advantage , I will be sending in a revoke of payment to stop the withdrawals and I will make arrangements to pay remaining original amount. Lesson you should never be this desperate!
Although not required to do so, as a courtesy, the Company will reach out to the customer withan offer to resolve their loan.
applied for a $800 thru an online service. have no access to a computer. unable to read the disclosure documents. didn't realize that the annual percentage rate was over 300%+ outrageous terms to send over $3000 for an $800 loan. I've made over 1300+ in payments. will not pay anymore
Although not required to do so, as a courtesy, the Company will reach out to the customer withan offer to resolve their loan.
I took out a $650 loan on February 5, 2019 without the understanding that their interest rate is approximately 644%. It is very hard to understand their payment plan, which is a *** job, when applying for loan. I have to date paid $863.90 towards balance and they claim I owe 750ish dollars STILL! I had to stop ACH payments due to financial hardship and am unfortunately looking at bankruptcy. They are not willing to accept account paid in full and are calling my job. My coworker said that a person named *** (spelling) was calling because I owed them money! Isn’t that against the Fair Debt Collection Practice? Don’t do business with these snakes that are loan sharks under the protection of “tribal sovereignty” but aren’t tribal at all.
Although not required to do so, as a courtesy, the Company will reach out to the customer withan offer to resolve their loan.
[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. According to an email I received they have closed the loan as paid in full.
Regards
I contacted Amplify's customer service the week of 9/2 and asked them for a payoff amount for my loan if I paid it off 9/13. They gave me a payoff amount of $807.85 and I asked how I pay that off and they said to just contact them back on 9/13 and they'd take care of it. So I contacted them today, 9/13, and the payoff amount is now $838.47 because apparently, I would have had to call yesterday to get today's payoff amount. Not only does that not make sense, but I was specifically informed to contact them today for the payoff. That's a difference of over $30. These companies make so much money already on loans that should almost be illegal, I think the right thing would be to adjust that finance charge to bring my payoff back down to $807.85. I already paid the loan off because I don't trust them at all now, but I should be refunded the difference.
To Whom It May Concern: This responds to the above-referenced complaint. This inquiry related to a loan from Niswi LLC dba Amplify Funding (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 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 1-844-388-0500 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/Court-Ordinances/CHAP94-Tribal-Consumer-Financial-ServicesReulatory-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 P.O. Box 25, Lac du Flambeau, Wisconsin 54538. The request must contain the information required by Section 10 of the Tribal Consumer Financial Services Regulatory Ordinance.
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
I took out a $1200 loan with Amplify with a by monthly payment of $360. After paying $1800 on my loan I requested a payoff amount. When I called costumer sevices they informed me that my pay off amount was $1350!!!! When I asked how could my payoff be larger than my original loan amount plus $1800 paid already they told me that because it was an unsecured loan not a payday loan. I CALL SCAM!!!!! BIG RIPOFF to the consumer whos trying to get out of debt!!!!
Although not required to do so, as a courtesy, the Company will reach out to the customer withan offer to resolve their loan.
This is a predatory payday loan company. They charge 646 percent in interest. That is outrageous!! The customer will pay 4x what they borrow and they should be outlawed and put out of business. They are preying on people who don't have money.and robbing them in desperate situations. I don't know how they sleep at night.
Received email to sign for an alleged loan that I did not request. I never filed for loan. I feel this is a phishing email to get my information. I feel like this is fraudulent activity. I see from the Revdex.com.org history this is is not first time this organization has conducted shady practices.
As a courtesy to Ms., we have withdrawn the application and placed on the Do Not CallList.
I have attempted to pay off a loan for my sister and have offered to wire the funds or use a debit card to pay. Both methods guarantee payment at no expense to Amplify Funding. My sister can not, and never could, afford this loan. Considering the usurious interest rates charged, they never want their customers to pay off their loans. Customer Service first told me I had to have the last four digits of my sister's social security number along with the account number. After some back and forth, they said they didn't do business that way. All we want to do is pay off the debt! I have so far paid off several similar loans over the past two days using my debit card and had no problems with the lenders.
Although not required to do so, as a courtesy, the Company will reach out to the customer withan offer to resolve their loan.The customer can call the Company at *** if there are further questions or concerns
I took out a loan with amplify funding I have paid back what I borrowed.Not knowing that payday companies in the state of North Carolina were illegal.You must have a Buisness lic through the state of North Carolina to give loans.Rate cap in North Carolina is 36%.Amplify funding 463%I requested by Email that the amount I borrowed had been paid back and to close the account as paid.Had I known that they were not allowed to give loans in the state of N.C I would have never got one.
Although not required to do so, as a courtesy, the Company will reach out to the customer withan offer to resolve their loan.The customer can call the Company at *** if there are further questions or concerns
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Due to the unresolved issue I will be in further contact with the NORTH CAROLINA ATTORNEY GENERAL FOR FURTHER ASSISTANCE
Regards
This responds to the above-referenced complaint. This inquiry related to a loan from Niswi LLC dba Amplify Funding (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 another 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/Court-Ordinances/CHAP94-Tribal-Consumer-Financial-ServicesReulatory-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.
I signed for a 1200 loan this morning. They said it would be in my bank this afternoon. Which it isn't. I checked and it isn't pending. They have set up payments already, and I don't have the money In my account. I was Leary applying because of the interest, but decided to go for it. I am only hoping my money will be in the account.
Ms.’s funds were sent out at 7:58 AM PST. As of 09/06/2019, funds have not been returnedfrom her bank. Ms. should have her funds in her account.
We have no way of seeing if her bank accepted the funds or not until 3 business days after her loaneffective date