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Lendumo Rating
Address: PO Box 231, Lac du Flambeau, Wisconsin, United States, 54538
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I took a load with lendumo. Have had to move payments upon talking to a rep they were suppose to move a payment never did. The loan amount was for 1200 have paid them 1500+ back and my pay off is still 1100$.
Nobody will reason with me they are scammers and thief’s don’t use them. They prey upon people especially during these hard times
As a courtesy to customer, we will consider all payments made to date and close theaccount without any further obligation. If customer has any questions, he may contact CustomerService at (877) 558-1999.
[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
I took out a loan for $1000.00 on 02/2020. I have an automatic debit from my checking account for $344.24 each month. The contract paperwork is long and most of the time, not understandable to me. So, I assumed that I would pay $344.24 for 6 months and the loan would be paid off. I have repaid $1,721.20, and I am no longer working my part time job because of COVID-19. If I continue to pay the $344.24 until 02/2021, I will have paid back $4,130.88 for a loan of $1,000.00. I do not have that kind of money and I have paid the loan plus more than 50% interest.
Please see attached that includes:
As a courtesy to customer, we will consider all payments made to date and close theaccount without any further obligation. If customer has any questions, she may contact CustomerService at (877) 558-1999.
Given loan in December 2019 the high interest rate and longevity of the terms were not explained. I borrowed 500.00 dollars The month of June1072 has been paid. I feel mislead never say contract or terms. The name was Amplify Lending now Lendumo. I am 76 years of age on Social Security.I’ve spoken to customer service was told it was sent to collection.I refuse to give them another cent.
Please see attached that includes:
As a courtesy to customer, we will consider all payments made to date and close theaccount without any further obligation.If customer has any questions, he/she may contact Customer Service at (877) 558-1999
see Attached documentI borrowed $1000, they want me to pay back incredible interest rates.
Please see attached that includes:
As a courtesy to customer, we will consider all payments made to date and close theaccount without any further obligation.If customer has any questions, he/she may contact Customer Service at (877) 558-1999.
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
In January 2020 I borrowed $1200. I have made 5 payments of $413.01 for a total of $2065. Due to covid19 I have lost my job and all I have is my Social Security. I am told my current Payoff amount as of 07/31/2020 is $1,777.78.- I have tried to talk to them but they do not lower payments and offer to skip a payment which I am not eligible for since I did that once already. To be honest that won't help because I can not keep up the high payments with no work
Please see attached that includes:
As a courtesy to the customer, we will consider all payments made to date and close theaccount without any further obligation. If she has any questions, she may contact Customer Serviceat (877) 558-1999.
[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
I took out a loan with the company on 2/24/2020. I originally requested $500 but was given $1000. I was told that the payment would be $344.24 per month but not given a total # of payments. I admit that I accepted the terms even though I would end up paying back $4,130.88 if I made only the required monthly payments as the loan was for 12 monthly payments. That would mean that I would be paying back 4 times as much as I borrowed. Of course, I had no intention of holding the loan for 12 months and had planned to pay off within 3 months. However, due to COVID-19, I was furloughed in March and am not eligible for unemployment. I was able to make the March 15 payment and the company granted me a one time payment skip for April. I then made the May 15 payment despite it causing me great financial strain. I contacted the company at the beginning of June to inform them that due to COVID-19 I still had no income and asked for some sort of payment relief. They said they would skip the payment but on the loan schedule it shows as PAYMENT DENIED and that the status is PENDING COLLECTION. As of today, if I were to payoff the loan, the amount due would be $1,953.32. Adding the $688.48 that I have already paid that would mean that at the very least I would be paying back $2,641.80....meaning I would be paying more than double the original amount borrowed after 5 months. Now, I am still furloughed because of COVID-19 and may not be back to work until 2021. I contacted the company by email on July 7, 2020 with a proposal of paying back a total of $1,200 as follows....
$344.24 paid 3.15
$344.24 paid 5.15
50.00 to be paid 7.15
25.52 to be paid 7.20
6.00 to be paid 7.27
25.00 to be paid each week 8/3/2020 - 11/16/2020
Total paid would be $1,200
Even these payments would cause me financial strain, but I am trying to do what I can to pay back something to the company and not default on the loan. I requested an email confirmation that the proposal be accepted and as of 7/14/2020 I have not received any communication and the original payment of $344.24 is still due to be taken from my bank account on 7/15/2020 according to my online account information. There is no way that I can make $344.24 payments each month which is why I tried to work with the company to reduce the loan payback amount.
COVID-19 has seriously affected many people and I am unfortunately one of those. If the company is unwilling to accept my proposal I fear that I will have to default on the loan and I do not want to do that. When I originally accepted the loan I had every intention of fulfilling my obligation and had planned on paying off early; but I absolutely do not have the financial ability to pay off the agreed amount. I am sincerely hoping that the company will take my situation into consideration and accept my payoff solution.
Please see attached that includes:
The customer can call the Company at 1-844-388-0500 if there are further questions orconcerns.Although not required to do so, as a courtesy, the Company will reach out to the customerwith an offer to resolve their loan.
I applied for a $200 loan and the man I spoke to said that it would be in my account on Thursday because he was wiring the money to my account. I had to tell him twice what my routing and account number was because he got it wrong. I still have not received this money. My bank stated that noone has tried to send money to SECU for my account. I contacted customer service by email. We have went back and forth 5 times now. They told me that I needed to call the customer service number. I have called 7 times and left 3 messages. No one will answer my call. I have been calling for three
days. They have my banking information so they will be taking money out of my account on my next payday without receiving any money. I can show you all the emails. I even asked to cancel the loan that I have not received and they told me that I had to wait until the money is received into my account. Wow! I havent received any money at all. This seems to be a scam but I am scared that they will try to take money out of my account without receiving anything.like I said, I have the emails and the ohone calls I have made with no response se.
Please see attached that includes:
Although not required to do so, as a courtesy, the Company will reach out to the customerwith an offer to resolve their loan.
This is the email response I sent them, I still have yet to receive anything. I will not pay for something I did not receive. Anyway, I told them I needed a week ago on Thursday and they promised me that day it would be wired into my account. I have yet to see it nor my bank and yes I have confirmed my accounting information with them on several different occasions that I can show proof.Thank you,***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.
[Please type your response here.]
Regards
attached
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. DocuSign Envelope ID: D01DA53D-327D-4B1C-A8D9-9CAE0E79DCD4 Niswi, LLC dba Lendumo Po Box 542 Lac du Flambeau, WI 54538 LDF Holdings Po Box 231 Lac du Flambeau, WI 54538 As a courtesy to customer, we will close the account without any further obligation. If customer has any questions, she may contact Customer Service at (877) 558-1999. Nothing herein shall be construed as a waiver of any rights or privileges of Lendumo, all of which are expressly reserved. 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-ConsumerFinancial-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 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.
[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
I took a loan out with Lendumo on January 24, 2020, in the amount of $1,200. Payments started on February
19th in the amount of $413.09. One payment was skipped in April and they called and offered a half payment (they would cover the other half) for June's. A total of $1445.81 has been repaid. I called to pay it off on Monday, and the total they are asking for is over $1700.
Please see attached that includes:
As a courtesy to customer, we will consider all payments made to date and close the accountwithout any further obligation.If customer has any questions, he may contact Customer Service at (877) 558-1999
I took out a loan with Lendumo back in February, I believe. That is how long I have been getting payment reminders from them, sent to my e-mail. My loan was for $300. So far, they have received $516 from me and the payments automatically come out of my checking account for 12 months.
My issues is that I have never seen a loan agreement from them. I am no legal expert so maybe my opinion is misled and I got this wrong but, it is my understanding that the Federal Truth In Lending Act (TILA) stipulates that they Lendumo is required to send me a loan agreement which I assert, they have not done. To date, I have never seen anything in writing that discloses to me the terms of my loan.
I had a very irate call with them on Monday, July 7th (2020) and I am sure that I perturbed their staff. They sent me a link today which took me back to their website, which does not allow me to see my loan agreement. On the phone today, when I called them back, they said that they will e-mail their "technical staff", who were supposed to fix this issue and send me the loan agreement today, to contact me.
I closed out two loans recently, with the companies Spotloan and BrightLending. Both of them provided me with loan agreements, up-front. I got a PDF version of both of my loan agreements with those companies and they both sent me links where I could download a copy of my loan agreement online and those links actually work. Lendumo has not done this.
When I settled out my loans with the previous two companies (paid them both off just today), my loan balance was less than the amount that I borrowed from them. And why wouldn't it be? They both have been receiving money from me and this reflects on my current balance with both companies. I was able to pay off my loans with both of them. I saw my APR with both companies and my pay schedule with them and, not surprisingly, I was able to pay off the loan completely and early, without having to pay the entire APR because I have been current on my payments with them (as I have been with Lendumo this entire time).
According to Lendumo, my balance is still somehow at $300 with none of the $516 going towards principle from what they have received from me so far. I called them on Monday, trying to pay the loan off entirely but they claimed that I still owe them over $1,000. I asked them to send me a PDF of my loan agreement, explaining to them that I have never been able to view it since February, 2020. I have made several attempts over the months through Google Chrome, Microsoft Edge, Explorer and Mozilla, all from my computer and that "505 | Error" message keeps popping up, every single time.
I tried to reason with the staff saying that, since I am current on my loan and my principle ought to be less than what it initially was, that I should have close to zero interest accruing and that I could be them off this week if the principle is less than $300 (because APR is an Annual Percentage Rate)...they said that this was not how that works. My retort was, how am I supposed to know that if I do not have access to a loan agreement.
A very simple solution would be for me to cut them off entirely from my checking account but I am trying to be reasonable and work with them. If it comes down to that, I may have to do that. We have predatory lending laws prohibiting actions like this company has taken but I am trying to at least be civil about this and work with them first, even though I will admit that I did put two of Lendumo's employees through the ringer on Monday, July 7th.
Thank you. This is the very first time I have been able to view this loan agreement. Thank you for getting this to me, at last.
Please see attached that includes:
As a courtesy to customer, we will consider all payments made to date and close theaccount without any further obligation.If customer has any questions, he may contact Customer Service at (877) 558-1999.
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
vbs lendumo has taken money from my social security deposit at td bank located in delran, nj, in the amount of $826.18. I do not now nor have I ever had an account or borrowed money from this lendumo organization / corporation. please help as my s.s. is my only source of income.
Please see attached that includes:
Unfortunately, customer is not entitled to a refund due to agreeing to the terms of the loan.As a courtesy to customer, we will consider all payments made to date and close theaccount without any further obligation.If customer has any questions, she may contact Customer Service at (877) 558-1999.
The loan was only $600, and thus far $824 has been pqid back. The interest is beyond ridiculous, and I will be paying well over $2000 for a $600 loan!? That's not honest or right. And people should avoid this scam.
Please see attached that includes:
As a courtesy to customer, we will consider all payments made to date and close theaccount without any further obligation.If customer has any questions, she may contact Customer Service at (877) 558-1999.
If I could give them a zero star I would. This company after telling me what my apr would be keeps calling me after I explained three times. Not interested. Three time I have told them to stop calling me one recorded line. Then the last lady I spoke with on july with said she will keep calling. I told her harrassment stop calling again. Now I am writing a review and looking for attorneys cause of there soliciting calls and never would I ever try for a personal loan with a place charging over 7pp apr a month for a 500 dollar loan. Your out of your minds.
Asked about a loan. Got 1200$ without asking an amount of what I needed. Then I got a email saying I owe 248$ a week for 11 weeks. Well beyond legal limits of loans and exceeds a 500$ cap in Colorado. Can't pay 250$ a week, nor did I agree to outrageous time frame, excessive charges and huge Apr.
Please see attached that includes:
Although not required to do so, as a courtesy, the Company will reach out to the customer with anoffer to resolve their loan.The customer can call the Company at 1-844-388-0500 if there are further questions orconcerns.
In December 2019, I took a loan of $700 hundred dollars. Never did she mention it's a 12 month loan. I made 5 payments of $240.97 already. My payments were 240.97each month. I'm not making anymore payments, for I've was not told of the length. The agent was rude, and she said we will take automatic payments out of my checking account till December. I'm 64, taking a advantage of me. That's way to much for a for a $700 loan. Please Help me!!!
VIA E-MAIL Revdex.com Re: Complaint # *** To Whom It May Concern: This responds to the above-referenced complaint. This inquiry related to a loan from Niswi, LLC dba Lendumo(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. DocuSign Envelope ID: ACC5FF22-DB40-4DD8-9FED-A22EDDE805F3 Niswi, LLC dba Lendumo Po Box 542 Lac du Flambeau, WI 54538 LDF Holdings Po Box 231 Lac du Flambeau, WI 54538 As a courtesy to customer, we will consider all payments made to date and close the account without any further obligation. If customer has any questions, she may contact Customer Service at (877) 558-1999. Nothing herein shall be construed as a waiver of any rights or privileges of Lendumo, all of which are expressly reserved. 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-ConsumerFinancial-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 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
I recieved loan for $950 I have paid over that amount. They are wanting me to pay $5400 total for a $950 loan. This was not disclosed to me. When I log into my account it says error when I try to download my loan agreement. I contacted them and they will not send my loan agreement to me. I checked their license and it expired 04/20 as well. I am on disability and can not afford $5400 for a $950 loan, this is extreme price gouging. I have paid back the money that was borrowed but do not feel a total of $5400 is fair for a $950 loan!
To Whom It May Concern: This responds to the above-referenced complaint. This inquiry related to a loan from Niswi, LLC dba Lendumo (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. DocuSign Envelope ID: ACC5FF22-DB40-4DD8-9FED-A22EDDE805F3 Niswi, LLC dba Lendumo Po Box 542 Lac du Flambeau, WI 54538 LDF Holdings Po Box 231 Lac du Flambeau, WI 54538 As a courtesy to customer, we will consider all payments made to date and close the account without any further obligation. If customer has any questions, she may contact Customer Service at (877) 558-1999. Nothing herein shall be construed as a waiver of any rights or privileges of Lendumo, all of which are expressly reserved. 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-ConsumerFinancial-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 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
I took out a loan on 3/3 of $700 I have since been affected by Covid 19 and this company has provided no relief of payments. I’ve already made 5 payments totaling up to $1175 and the payoff quote given to me today, four months later, is $1237.61
I understand this is a high interest loan. However to pay back the loan 3x over its ridiculous and frustrating as we struggle through this pandemic. The billing people offer no assistance just simply ramble off numbers. This outrages! To top it off My account is currently pending collections!
To Whom It May Concern: This responds to the above-referenced complaint. This inquiry related to a loan from Niswi, LLC dba Lendumo (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. DocuSign Envelope ID: *** Niswi, LLC dba Lendumo Po Box 542 Lac du Flambeau, WI 54538 LDF Holdings Po Box 231 Lac du Flambeau, WI 54538 As a courtesy to customer, we will consider all payments made to date and close the account without any further obligation. If customer has any questions, she may contact Customer Service at (877) 558-1999. Nothing herein shall be construed as a waiver of any rights or privileges of Lendumo, all of which are expressly reserved 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-ConsumerFinancial-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 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.
[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
I have Contacted Revdex.com Previously, Just as recent as a few months back with no results except for obtaining Current CEO Name, In Which I "Did" Send a written letter to, with No Response. The abuse of this company and continued refusal to provide the connection with the CEO of this Company, which was previously aka Amplified Lending has been extremely disappointing. I Have Continued Making My Payments out of integrity. When I'd originally contacted you (Revdex.com) for help with this issue. Lendumo intentionally delayed responding allowing lapsed time, intentionally, Then stating my account went to a collection agency. The Letter(s) I'd Sent led to Believe They Never Got to the CEO, just spite-behavior Because I attempted to go above their heads directly to the CEO of this Company to expose the behavior and treatment that had taken place, with No accountability.
Please see attached that includes:
The company apologizes for any confusion and miscommunication regarding yourquestions or concerns in this matter. The company strives to address all complaints from customerswhen they are received in a timely matter.As a courtesy to the customer, we will waive the outstanding balance and consider the loanpaid in full. Your account is now closed.
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 am In Receipt of Your Correspondence Regarding Complaint Of Lendumo/Juanita Huguley . Complaint #***.The Question I Have Re: Their (Lendumo) Apology. However, it was said in one of the automated emails My Account was Sent To An Outside Collection Agency at www.zenresolve.com . I Would Request This Specific Aspect of their Apology Be Rescended AND Not Put On My (3) Credit Bureaus As Well. Please Respond.Just Want To Have Assurance This Is Resolved So The Case Can Be Closed Completely. And I Will Be In Agreement With Resolution Discussed In This Email. Please May I Have This Writing From Lendumo /***Very Sincerely,***z
Please see attached that includes:
As a courtesy to the customer, the loan was bought back from Zenresolve.com and theaccount closed. Unfortunately we are unable to communicate with the credit bureaus on the customer’sbehalf. They have instructed us to inform customers to contact the bureaus directly to dispute items ontheir report.Again, the Company apologizes for any confusion and miscommunication regarding yourquestions or concerns in this matter. The company strives to address all complaints from customers whenthey are received in a timely matter.The customer can call the Company at 1-877-558-1999 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.
Received this on 7/17/20
ZenResolve Contact (800) 225-1375 Hi, ***z. We understand you might not be ready to pay off your entire balance of $746.42 with Lendumo right now, and the good news is you don't have to! We can help you find a payment plan that fits your budget, and you're just a click away from getting started!Click the link below, and you'll be on your way to finding a plan that works for you! VIEW PAYMENT OPTIONS
Does not look like account is closed to me!
Regards,
***z
Ms. account has been closed and is considered paid off. The account was recalledfrom Zen Resolve on 7/14/2020. Ms. has no further obligation with Lendumo.If you have any questions, please contact Customer Service at 1-877-558-1999
I am in receipt of the Message Below From Lendumo And Accept this full/Complete Closure And Account Considered Paid In Full AND Zen Resolve /Outside Collection Agency Was Recalled & Closed Also ;And No Negatives Reported To Any of My Credit Bureau.. I Appreciate All Your Help And Revdex.com For the Complete Resolve of ID Case#***Sincerely***z
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,
***z
I borrowed 300.00. Made 7 payments of 205.00 they said I owe 5 more payments I try to.call ask why so much they told.me I borrowed 600.00 that is no way I did that I ask for payoff that wanted 450.00 I told them I NEVER borrowed that much they said I did
This responds to the above-referenced complaint. This inquiry related to a loan from Niswi, LLC dba Lendumo (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. DocuSign Envelope ID: ACC5FF22-DB40-4DD8-9FED-A22EDDE805F3 Niswi, LLC dba Lendumo Po Box 542 Lac du Flambeau, WI 54538 LDF Holdings Po Box 231 Lac du Flambeau, WI 54538 As a courtesy to customer, we will consider all payments made to date and close the account without any further obligation. If customer has any questions, he may contact Customer Service at (877) 558-1999. Nothing herein shall be construed as a waiver of any rights or privileges of Lendumo, all of which are expressly reserved
[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
I got the loan in November 2019 for $800.00 & my first payment from $275.39 came on the 3rd of December which is when my social security check is deposited into my bank account. Today ( payment was posted) makes a total amount paid on this loan of $800.00 is $2201.12. I have four payments left totaling $1101.56 & was told my payoff would be $589.53 & it had to be paid by July 06,2020. Mind you I am on a fixed income & $275.39 was just taken from my account for July's payment. This company is robbing people & I am sorry I did not fully read the paperwork more closely.
VIA E-MAIL Revdex.com Re: Complaint # *** To Whom It May Concern: This responds to the above-referenced complaint. This inquiry related to a loan from Niswi, LLC dba Lendumo (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. DocuSign Envelope ID: ACC5FF22-DB40-4DD8-9FED-A22EDDE805F3 Niswi, LLC dba Lendumo Po Box 542 Lac du Flambeau, WI 54538 LDF Holdings Po Box 231 Lac du Flambeau, WI 54538 As a courtesy to customer, we will consider all payments made to date and close the account without any further obligation. If customer has any questions, she may contact Customer Service at (877) 558-1999. Nothing herein shall be construed as a waiver of any rights or privileges of Lendumo, all of which are expressly reserved. 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-ConsumerFinancial-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 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.
[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
Took loan out 4/27/2020. Sent email letting them know about my house t. Got one payment skipped. Ask if there was some way to pay off remaining balance but I let them know that I had to get my house payment taken care of. Loan was for 1425. I've made 7 payments already totaling 1747.83 I'm having trouble with remaining balance and need help. The total will be almost 3000 for a 1425 dollar loan. Help me to resolve this please. I can't lose my house
To Whom It May Concern: This responds to the above-referenced complaint. This inquiry related to a loan from Niswi, LLC dba Lendumo (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. DocuSign Envelope ID: *** Niswi, LLC dba Lendumo Po Box 542 Lac du Flambeau, WI 54538 LDF Holdings Po Box 231 Lac du Flambeau, WI 54538 As a courtesy to customer, we will consider all payments made to date and close the account without any further obligation. If customer has any questions, she may contact Customer Service at (877) 558-1999. Nothing herein shall be construed as a waiver of any rights or privileges of Lendumo, all of which are expressly reserved. 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-ConsumerFinancial-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 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.
It was resolved.