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National Small Loan

PO Box 632, Lac du Flambeau, Wisconsin, United States, 54538-0632

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Reviews Payday Loans National Small Loan

National Small Loan Reviews (%countItem)

I took out a loan with the company that was for a total of $500.00. I agreed understanding that this was a loan with a very high interest rate but there was no mention of exactly how much the loan would total after interest expense. When my first payment was due I received a pay sheet informing me that I must pay the loan back in monthly installments of $318.66 for 8 months. That has more than tripled the loan amount. I decided to get a payoff quote to try and avoid all that interest. On January 26th I was told the payoff was approximately $847.00 Today only 2 weeks later I am told the payoff is now approximately $976.00. I was told this was an insurance method to make sure they are paid off quicker. I explained that I was on a fixed income from social security disability and they stated that wasn't their concern. I believe these people are preying on desperate people and taking advantage of their desperate situation

National Small Loan Response • Feb 13, 2020

Although not required to do so, Midaaswi,llc dba National Small Loans is willing to “freeze” Customer’sbalance at $976.34 if Customer’s 2/12/2020 payment is successful.The customer can call the Company at *** if there are further questions or concerns.

Pay day loan that I was trying to settle. Trying to work on agreement for settlement for what I borrowed which I have payed of more than I borrow plus. Keep giving me a run around

National Small Loan Response • Feb 13, 2020

To address the customer’s complaint:• Customer lodged an internal complaint on 1/31/2020.? The Company responded to that complaint on 2/6/2020 by e-mail, explaining to Customerthe legal structure of the loan agreement entered into by the Company and Customer. Inthat e-mail, the Company offered to settle Customer’s account for $587.91 to be paidbiweekly until paid off, with payments to begin on 2/21/2020.? Customer called NSL on 2/7/2020 and spoke with a customer service representative.Customer acknowledged the settlement offered sent to her and wanted to respond tothe e-mail. Customer advised that there was no option to respond to the e-mail. Therepresentative advised Customer to compose a new e-mail and send it to***. Customer thanked the representative and hung up thephone.? Customer contacted the Company on 2/10/2020 and advised that she accepts thesettlement offer. However, Customer advised she wanted to begin making payments onthe settlement amount beginning 2/11/2020, which is earlier than what the offerrequired. The Company accommodated this request and set up the appropriate ACHpayments and sent Customer a confirmation e-mail that day at 3:38 PM detailing thepayment schedule.? The Revdex.com complaint was filed 2/10/2020, the date on which the Company sent the e-maildetailing the new payment schedule. There is no record of any communication fromCustomer from the time that the e-mail was sent to when the complaint was received bythe Company.This complaint may have been filed prior to Customer receiving the e-mail from the Company.Customer may believe this issue is now resolved, based on the content of the complaint. Customer is freeto contact the Company if there are any remaining issues she would like to resolve.The customer can call the Company at ***if there are further questions or concerns

SCAM!!!!!!!!
I never applied or inquired about this, but yet I get repeated phone calls, voice mails and text messages from people with different accents and different phone numbers even after blocking the numbers. They don't stop calling, texting or sending emails.

I have attempted on multiple occasions via phone calls and e-mail to resolve the issue of accessing my customer portal. When I attempt to log in to customer portal, I get a message “customer not found”. Yet they contact me at the same e-mail to remind me they will be taking payment on my loan. When I attempt to contact by phone, I am told all customer service representatives are busy and they will call me back. Suffice as to say I have NEVER received a return phone call. When I attempt to process an e-mail to them to request will never process. I have also attempted to call the parent company Lac du Flambeau Tribal at *** only to have them transfer me back to National Small Loan. Total non-transparency runaround.

National Small Loan Response • Feb 06, 2020

• Customer signed a loan agreement on 12/16/2019 to borrow $ from National Small Loan •Customer left a voice message for the company on 1/22/2020 stating that she was having issues logginginto the customer portal and requested a call back. • Company attempted to reach Customer on thephone that same day with no success. • Customer sent an email to company on 1/29/2020 stating thatshe had grown frustrated “after many emails and phone calls” about not being able to access her customerportal. Customer advised that she wanted to see how much she owed and her payoff options. • Due toCustomer’s complaint, the account was escalated for management’s review on 1/29/2020. • There is norecord of any communication from Customer other than the 1/22/2020 voice message and the 1/29/2020email to company.

• Although company had attempted to contact Customer, due to Customer’s experienceCompany is willing to assist in settling Customer’s account for the outstanding principal balance, whichcan be paid per week on her regularly-scheduled payment dates until paid off.

The customer can call the Company at *** if there are further questions or concerns

I received a loan from National Small Loans for $300 second week of January 2020. I called in January 20 to pay off the loan which was $366. I gave the representative my banking account information and she said everything was went through. On January 23, 2020 I received a text stating I need to make a payment on the same loan. So I called them the next business day to pay off the loan. A different receptionists answered the phone stating give me your name and phone number and a representative will call you within the next business day. They are not allowing clients to make payments or pay off these loans. National Small Loans does not have an online account for borrowers nor a physical address. Beware they will rob you legally in a unlawful way.

National Small Loan Response • Feb 05, 2020

Please see attached that includes:

It appears as though the Company and Customer have been trying to reach each other but havebeen unsuccessful each time. The Company is willing to honor the payoff quote to pay off the account,if Customer arranges the payoff by 2/3/2020, the date of the first scheduled payment.The customer can call the Company at 1-877-807-4827 if there are further questions or concerns.

Customer Response • Feb 05, 2020

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 contacted my bank and the representative said that all National Small Loans have to is send the payment through on their end. I already gave them my bankcard number on about January 23, 2020.

Regards

National Small Loan Response • Feb 12, 2020

Please see attached that includes:

Although Customer did provide the Company with information for a debit card payment, therewere two issues: (1) the transaction failed due to an invalid card number, and (2) the Company policyrequires authorization from Customerin the form of an exact date and amount for the transaction in orderto process the payment. It is unclear whether the agent typed in the incorrect card number or the errorwas on Customer’s end, but since Customer must call in to authorize the amount and date for thetransaction, the agent can double-check the card information the Company has on file prior to theprocessing of the transaction. The Company is still willing to honor the payoff quote of $356.18. Thecustomer can call the Company at 1-877-807-4827 to arrange payment options.

Customer Response • Feb 16, 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

I have tried reaching out to this company on more than one occasion to make my payment from another account because the account on file has been flagged and frozen for fraud based on the withdrawals from the company. After calling the number provided, I was told to leave a message and to respond to the text messages. I have done both and been going in circles to the point of receiving fees on my account due to the lack of response. It is seeming more and more like a scam. How do you have a customer service rep answer the phone to direct you to leaving a message because no one is available, but will call me back and it never happens. I’m sorry, but I want no part of this scam and want them out of my account.

National Small Loan Response • Jan 27, 2020

? Customer signed a loan agreement on 11/20/2019 to borrow $ from The Company. Theagreement clearly reflects a total payoff, with a finance charge and APR % over the lifeof the loan.? Customer’s first two payments, scheduled for 12/6/2019 and 12/20/2019, werereturned “R01”. The account was then placed into collections.? The Company sent Customer an email and text message on 12/30/2019 offering a biweeklypayment plan.? Customer replied to the email on 1/3/2020 stating that the payment plan would beacceptable but that the funds would not be available in her bank account until the nextWednesday, 1/8/2020. The Company advised Customer in a reply email that Customer can alsopay using her debit card.? Customer called The Company on 1/8/2020 advising that she knows that the ACHpayment for 1/8/2020 is going to be returned, so she wanted to make a payment for thatday using her debit card. Customer provided her debit card information and authorized apayment for 1/8/2020. The ACH payment for 1/8/2020 was returned “R01”.? Customer left a voice message for The Company at 4:42 P.M. EST on 1/21/2020, afterthe processing deadline, stating that she wanted to “speak with someone regarding apayment” and that she wanted to “make her payment asap”.? Customer left another voice message for The Company on 1/22/2020 at 11:52 A.M. ESTstating that she wanted to “cancel her account because she has been overcharged onmore than one occasion”.? The Company then received a complaint from Customer that same day, and the accountwas escalated to management.Although not required to do so, as a courtesy, the Company will reach out to the customer with an offerto resolve their loan.The customer can call the Company at *** if there are further questions or concerns.

They refuse to communicate with me so I can pay off my loan in full. Interest rates continue to increase and they refuse to communicate with me for full payment . I have called over 6 times in two days with no cooperation.

Customer Response • Jan 24, 2020

I seem to be getting ignored. If I call they give me a canned answer saying someone will call me back but I never get called. E-mail they just ask for my name and last 4 digits of my SSN. I still have not seen the money deducted from my account. I do not understand why they are making this difficult. I continue to try and speak to someone who can help but I'm not getting anywhere.

National Small Loan Response • Jan 27, 2020

Customer signed a loan agreement on 1/16/2020 to borrow from National Small Loan

? Customer advised NSL on 1/21/2020 at or before 10:27 A.M. EST that he wanted to pay offthe loan. NSL advised Customer that he needed to use a debit card to pay off the loan on1/21/2020 and that NSL would call Customer back with a precise payoff amount.

? NSL called Customer back that same day at or before 11:42 A.M. EST, but there was noanswer.? Customer then called NSL the same day and left a voicemail message at 2:26 P.M. ESTstating that he wanted to make a payment on his loan, presumably referring to the payoffpayment he had wanted to make.

? NSL called Customer at or before 3:14 P.M. EST to arrange the payoff payment. Customerwanted to make the payment for 1/21/2020, but NSL advised Customer that the processingdeadline for 1/21/2020 had passed, which was 2 P.M. EST. Customer advised he did not wantto pay for another day of interest. Customer asserted that he did not received a phone call fromNSL. Customer then authorized a payoff of Customer’s account for 1/22/2020.

? Customer’s first scheduled payment under the loan agreement is 2/6/2020.The customer can call the Company at *** if there are further questions or concerns.

I did not apply for a loan with this company. I received the email below
Dear ,

This message is to remind you of your upcoming payment scheduled for December 17, 2020.
The minimum payment due is $175.91 for your next regularly scheduled payment.
If you take no action at this time, the minimum payment will be processed per the payment schedule on your loan agreement.
You can confirm your minimum payment, make a larger payment, or pay your loan in full by logging into our customer portal. The customer portal is certainly the fastest way to confirm your payment.
Click the link below or copy and paste the URL into your browser to log in: *** If you are unable to log into the customer portal, you may reply to this email, respond to any text you have received, or give us a call.
You have received this message since we were unable to reach you during our courtesy reminder call, or you have opted out of receiving such calls.
This courtesy alert is for your convenience only and does not change your payment obligations. Changes to your payment must be received before 2:00 PM EST the business day before your payment is scheduled, otherwise the payment will be processed as per your loan and/or payment agreement
When you contact us, just remember that you’ll need to provide your full name and at least the last four digits of your Social Security number.

I checked my bank account, and on dormant account that is not used, there was a deposit of 500.00 on 12/18/2019, and there has been a withdrawal of 146.59 on 01/03. I did not want this loan, and the original money was not touched. I tried calling the company and was told I would be called back several times. I have yet to receive a call back or a response to my email. I talked to a receptionist who told me that she did not have the authority to transfer my call to anyone at the company. Again, I did not apply for this loan, and do not want the money.

National Small Loan Response • Jan 23, 2020

Although not required to do so, as a courtesy, the Company will reach out to the customer with an offerto resolve their loan.The customer can call the Company at *** if there are further questions or concerns.

To whom it may concern,
In October 2019, I received a small loan in the amount of $500.00 from national small loan which was deposited into my account the next day. I was informed that $146.59 was to be withdrawn from my account biweekly on my pay day until I finished paying the loan , when I asked how long that was going to be I was just told not long because my loan is only $500.00 but never Was I made understood that I would end up paying over $2,300.00 , if they explained that to me I would have never accepted the loan no matter how hard of a time I was in. I really needed the money but I would have never signed such to end up paying over 4 times the amount I will receive. When I final realized what was going on I saw that interest rate was at 861% which is impossible, there is no way any company is allowed to charge such high interest rate. I already made 5 payments on the amount of $146.59 so a total of $ 732.95. Even at 30% which is the highest interest allowed in the state of New Jersey, I would have only paid a total of $650.00 back . I cannot continue paying an amount I never received or used, I feel being robbed . Please help me solve this issue. Thank you.

National Small Loan Response • Jan 21, 2020

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.

Customer Response • Jan 24, 2020

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.
The business response did not address my concerns, I want the remaining balance to be canceled. I noticed countless other customers’ complaint online against the business showing that they are not really taking steps that should be required to assure customers know what they are getting into. When someone reach out to you for financial help, it’s a serious matter, so they need help! They don’t need to be tricked into an even higher debt than they can afford nor should they repay over 4 times what they received from you. In that case you did not provide a service you instead put more stress on the customer reaching out to you during their hard time , you took advantage of a bad but sadly normal situation for average individuals. The business need to explain their deal better and thoroughly in other to give customers an option to consciously accept or decline the offer made. You never know what people are going through so stop taking avantage of others hardships.

Regards

National Small Loan Response • Jan 30, 2020

Please see attached that includes:

The customer called the Company on 11/14/2019 stating that she could not make her11/15/2019 payment and requested a reduced payment amount. The Company advised thecustomer that we could not reduce the payment amount but could move the payment toanother date. Customer advised she wanted to move the payment to the following week. Thisrequest was accommodated by the Company. The customer called the Company on11/21/2019 and asked what her balance was. The customer was advised of the payoff balanceand the customer advised what she makes in two weeks. The Company advised Customer thatshe could pay the minimum or make a larger payment toward the principal balance. Customerresponded by stating that she wanted to push the payment to the following week and make adouble payment on that week. The Company advised the customer that since we moved the11/14/2019 payment already we could not accommodate her request. When advised aboutrescheduling the payment if the payment fails, the customer expressed her concerns that itwould put her in more debt than she could afford. The customer also rejected the idea of apayment plan. There has been no other communication between the customer and theCompany since the 11/21/2019 phone call.

The Company reached out to customer and offered a discount on their loan to settle theaccount. Although not required to do so, as a courtesy, the Company will reach out to thecustomer again.

Customer Response • Feb 02, 2020

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 was not contacted about a discount, besides the company has received their payment already there is nothing to be discounted from. The interest rate the business is trying to charge is not legal in the state of New Jersey.

Regards

National Small Loan Response • Feb 12, 2020

please see attached that includes:

The TILA disclosures are at the top of each loan agreement and each customer has tosign near the very end of the agreement. Each customer also receives emails upon approvalexplaining how the loan works. In addition, customers see the entire agreement when theysign them, and can ask a representative specific questions if they have any. Agents also providegeneral information about the loan if they speak to the customer prior to origination.As a courtesy, even though not obligated to do so, the Company will close the subjectloan and will consider it paid in full.

Customer Response • Feb 12, 2020

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 been attempting to contact this business so that I may repay a loan in full. After speaking with the virtual receptionist and others in the call center over the last week, I STILL lack the information needed to pay this outrageous loan. Everyday this loan is not paid off increases the cost of the loan. SCAM!!!!

National Small Loan Response • Jan 16, 2020

19 to borrow funds from National Small Loan.• Customer requested a payoff on 1/13/2020. The payoff request did not specify a dateCustomer wanted to pay off the loan.• Customer stated that she had been “trying to call for over a week”. There is no recordof any communications to the Company prior to 1/13/2020 regarding a payoff fromCustomer.• The Company sent Customer an email on 1/14/2020 advising Customer that arepresentative will be reaching out to her to obtain the information the Company needsto provide Customer with an accurate payoff quote and a payment method fromCustomer.Although not required to do so, as a courtesy, the Company will reach out to the customer with an offerto resolve their loan.

There needs to be a class action lawsuit about this company. They sent me a mailer that I was pre-approved for up to $1200, but when contacted by the company after submitting my application, the agent said they only give out maximum $500 loans. This is false advertising, and I cancelled my loan with her over the phone only to receive an email that my loan was denied. I cancelled it!!
Additionally, NationalSmallLoan first called me at 5:12 AM Pacific Time this morning (!) to ask why I didn't sign the agreement over the weekend, then texted me at 5:26 AM. They called again at 10 AM which is when I talked to the agent. Even more so, they continually harassed me with at least 20 emails and text messages in the past 2 days since I applied on Saturday. This company needs to be shut down by the Feds.

To Whom It May Concern,
Please note the following compliant was sent to the Revdex.com on 12/24/2019.
Account#: *** Billing Issues
I took out a $250.00 loan and was told the payments would be $73.30 biweekly until the loan amount was paid off. Today I logged on the check the balance which is now $318.00. then after checking if payday loans are illegal in the state of New Jersey. By New Jersey law, short-term interest rates are capped at 30 percent.

Long-Distance Payday Lending
The Internet provides a way for payday lending operations to offer loans to New Jersey residents. An online lender may extend such a loan without verifying the borrower's state of residence, and require repayment by an electronic debit direct from the borrower's bank account. This is also barred by New Jersey law, however, which covers a lender "wherever located," who induces a borrower to a payday loan arrangement by phone, mail, broadcast advertisement or over the Internet.

New Jersey Cap on Usury Rates
By New Jersey law, short-term interest rates are capped at 30 percent.

Resolution:
I am requesting the following from the company:
-Please do not contact me by phone calls.
- Please do not contact my employer and anyone else associated with me, including friends, neighbors, etc.
- Stop all collection actions against me. Stop any bad credit reporting against me based on this illegal loan.

I would like this bill to be considered paid in in full with no negative remarks on or towards my credit.

National Small Loan Response • Dec 30, 2019

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.

I took out a $200 payday loan in September with the first payment installment due 10/04/2019. When I attempted to log into the customer portal to retrieve my documentation, I was unable to do so. I tried several times without success. In November, I sent them an email regarding my inability to access my account on line and indicated in the email that I wished to pay the loan off at that time. I never got a response back. Sense then I have made about 8 phone calls to the company trying to get my payoff balance and to make arrangements to pay the loan off. To date no one has replied to any of my messages, I have no idea how many regular payments I have left on this loan, I have no idea of the payoff balance and I have no idea of how to pay this loan off. Everytime I speak to someone, they claim to be a "virtual receptionist" with no access to my account information and all they can do is take a message and have someone get back with me. Emails pretty much go unanswered.

National Small Loan Response • Dec 27, 2019

Please see attached that includes:

According to records, the Company did attempt to contact the customer back on the same daythat they left a voice message on 12/16/2019, but no one answered the phone. The customersubsequently lodged a legal threat against the Company on 12/19/2019, and the account was escalatedto management due to the threat, preventing further attempts by the Company’s customer service agentsto contact the customer, as they were awaiting management’s review of the account.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 1-877-807-4827 if there are further questions or concerns.

Customer Response • Jan 06, 2020

Revdex.com:

I have reviewed the response made by the business in reference to complaint ID 14039435, and find that this resolution is satisfactory to me. However, in there response, they indicated that they attempted to contact me. That was untrue and their failure to respond to my multiple attempts at contact was what drove me to my statement of bringing legal action and is what brought me to the decision to involve the Revdex.com. I have also attempted to contact them since they spoke with the Revdex.com in order to set up an ACH for the payoff and just like before, I am unable to get anyone to accept my phone calls. I get hold messages, and messages indicating that no one is available, promises to be called back, options to leave a voice message and with all of that, I am never able to speak to anyone who can actually assist me. The phone number they provided 1-877-807-4827 is the number that I have been using since I originally began trying to reach them. I will give them until the end of the week, January 10, 2020 to return my call. My last attempt to reach them by phone, today, I was told by recorded message that "All representatives were busy, but if I elected, I could press "1" and receive a call back and not lose my place in line. I selected this option because each time I actually selected the option to continue to hold or to leave a voice message, I never got a response. If I do not hear from them by 01/10/2020 I will purchase a cashiers check for the $214.30 as indicated in the response I received from you and I will have that check sent to the address you provided me in the email. I will also include a copy of the email as proof of the arrangement and have the check sent in a manner that can be tracked.I will reach out to you again should I have any further issues after the check is mailed. I do not think I will be attempting to call them anymore as I have not found much success in this method of communication.

Regards

I have service issues contract issues and billing issues with this company! They approved a loan that made me so nervous I don't even remember signing electronically this online loan they were very deceptive about the loan I tried to cancel a few days before thinking it doesn't even comply with the Michigan laws also that I didn't feel that they were following the truth-in-lending I asked them for more information and I received an email from a customer service rep assuring me that I fi pay the loan in full that I would not have to be charged any additional fees or charges or penalties I've been begging to get a payoff amount they refuse to give me one I just got the loan deposited November 29th and it's only December 16th and I can't get them to answer any questions or return any emails without telling me they need more information every time I try to call them a answering service lady picks up and when they call me it immediately goes to voicemail and never comes through as a phone call! I've been begging them to give me a payout amount I borrowed $600 by the end of it it will be three or four thousand dollars I asked them after I make my first payment of $289 what would my payoff be they won't give me an answer but although tell me is only $14 of that $289 will go towards my principal! They have me tied and stuck in this long until August of 2020 I thought with $289 due each month by the third month the 600 would be paid and I would have to suffer the consequences of my bad decision on paying them $270 extra they won't let me out of this loan they won't contact me they keep telling me I manager will call me back and no one is calling me back I'm scared to death I am disabled I can't even afford the terms they have put me in without 100% fully explaining it to me there's no way I'll ever be able to pay these people back please help

National Small Loan Response • Dec 19, 2019

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.

Customer Response • Dec 19, 2019

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.]I do not accept this response from that company! Every time I tried contacting them sent them emails Etc they would not respond! They would have a recorded message that would tell you they get back with you within a certain amount of time and they never did I would have to re contact them over and over and I will ask my phone company to pull up all the records and the amount of times I had called them! They're telling me because I have spoke with that woman Tia and that she explained everything to me is not factual! She did not explain everything to me sexually or I would not have been so worried and tried to cancel my loan 2 days before! I am not satisfied and I do not accept their offer of contacting me personally because they have yet to do that and I do not believe they will appropriately! The only thing that girl Tia told me was that I would have no further fees penalties or anyting above and beyond what I owed! And that is what I understood! They're trying to tell me that it meant something different ! That her statements to me meant something else! I do not accept.

Customer Response • Dec 20, 2019

also:

It sent a response to my complaint number *** modify this the company did send me an email with a settlement amount of $600 the exact amount I had received from the company! I agree to this settlement only if I can make it in three monthly installments I'm not sure where to go from this point and I'm supposed to contact your company before I have any communication with them what do I do at this point?

National Small Loan Response • Dec 23, 2019

This responds to the above-referenced complaint. This inquiry related to a loan from MidaaswiLLC d/b/a National Small Loan (the “Company”), which is owned by the Lac du Flambeau Band of LakeSuperior Chippewa Indians (“Tribe”). The Company takes these types of inquiries very seriously and wouldlike to provide you with the below information. Nothing in this communication should be construed as awaiver of the Tribe’s or the Company’s sovereign immunity, all of which are expressly preserved.We would we happy to work with the customer. Please have the customer call us at 1-877-807-4827 for assistance.

Customer Response • Dec 23, 2019

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.

The Business keeps changing their response. When I call- they say I have to speak to manager who never calls me back.

I will make these payments: On Feb 3rd, March 3rd, and April 3rd --- $200 PAYMENTS. I will call in and make payment on different card.

I am telling them now they do not have my permission to use the card on file or my bank information.

Regards

National Small Loan Response • Dec 26, 2019

Please see attached that includes:

We would we happy to work with the customer on a payment plan and will be reaching out tothem. If the customer has questions, please have the customer call us at 1-877-807-4827 for assistance.

Customer Response • Dec 27, 2019

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.
They're telling me they're happy to work with me and a payment plan but they will not give me details so I will not agree until I have details! They haven't told me any dollar value so I cannot agree to their response! If your advice is to contact them first and then let you know before you close this case I will do that please let me know what you think I should do thank you

Regards

Took out a 500 loan under the assumption it would be paid off within a couple months of paying 75$ a week. Well I have paid 1350 and somehow still owe 496$ They call, text and email all the time even when I have requested only emails.

National Small Loan Response • Dec 19, 2019

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 am writing on behalf of my father who does not speak English. He was tricked into filling his information on this site that made it look like a loan application. There was no declaration on interest rate or anything, not even a declaration that money will automatically be deposited. After he hit apply, he did not get any email of agreement or approval. He later found out more than a month after that this site withdrew $382.40 from his account twice. He was not aware that they deposited $600 without any notification and started withdrawing money as payments. The APR rate they are charging him is 863.95% which was never ever disclosed anywhere. This site is clearly a scam that is deceiving people

National Small Loan Response • Dec 16, 2019

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.

Customer Response • Dec 25, 2019

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.
There are various cases of violation of consumer rights by deceptive practices around payday loans by hiding behind Tribal law. Recent court decisions have turned that around. See below where such a case was decided against the tribal law claim. ***Regardless, this is still a violation of Credit Practices Rule and Dodd-Frank Protection act. I recorded the entire loan process again with screenshots to show that nowhere in the process did they declare the loan rate (see screenshots attached). After the original loan application was submitted, Mr. was asked for proof of income which he did not follow up with and that led him to believe that the application was basically void. In spite of that, they decided to deposit money (not provide any notification of that) and withdraw automatically (without notification either). The loan company did not disclose rates, nor did they disclose that deposit had been made and loan was active and that money was being withdrawn. Application screenshots ***

Regards

National Small Loan Response • Dec 30, 2019

To answer the son’s questions, as for the loan rates, the loan rate is disclosed on the front page of every loan agreement that every customer has to sign before being provided funds. The Company also has a loan rates page that provides a general idea of what customers will be charged.As for the allegation that the Company never notified the customer of the deposit or payments, the Company sent an email on 9/9/2019 titled "Your loan has been approved: National Small Loan" that advised the customer that his loan application had been approved and that the funds would be deposited on 9/10/2019. That same email also advised the customer that the first installment payment would be due 10/1/2019 and the amount.The Company sent emails titled "Payment Reminder" on 9/27/2019, 10/29/2019, 11/27/2019, "National Small Loan - Courtesy Reminder" on 10/30/2019, and "National Small Loan - Payment Reminder" on 11/29/2019.The emails were sent to the e-mail address that was on the loan agreement for the customer. The customer has been informed that this account has been closed.The customer can call the Company at *** if there are further questions or concerns.

I wouldn’t even give this place one star. I called to get pay off on my $500 loan and it was over $1300!

I took a payday loan of $500 in June 2019. I was financially desperate. I was given an interest of over 150%. At first I could cover the payments then I fell ill & lost my income. I have been struggling the last few months. I realized the $319 payment monthly was only covering interest and that the principle was NEVER decreasing. Upon researching relief I learned this loan is illegal in my home state of NJ where the max cap is 30%(see below). I went into the lenders site and it states I never received a loan because I was not creditworthy(I have a screen capture directly from their site).
So who has the $917 that was debited from my checking account.

New Jersey is one of the 13 states in America that does not allow payday lending under state law. Moreover, NJ state usury laws forbid charging borrowers more than a 30% annual percentage rate (APR). Since payday lending is technically illegal in the state there are no payday lending centers in New Jersey.
New Jersey Payday Loan (NJ)
www.samedaypayday.com/New-Jersey-Payday-Loan

National Small Loan Response • Nov 25, 2019

As a courtesy, though not obligated to do so, the Company will reach out to the customer with anoffer to resolve their loan.The customer can call the Company at *** if there are further questions or concerns.

Total scam, I never signed an agreement and now paying 800% in interest

I previously filed a complaint against National Small Loan and the claim was closed as the company and I were in discussions for s settlement. As National Small Loan has continued to state I still owe them money when the company actually owes me a refund, I have decided to refile a complaint with the following three issues:

ISSUE 1: National Small Loan owes me $526.13.
As National Small Loan has failed to comply with the state payday and usury laws, the loan agreement is illegal and void. Although I am not legally required to do so, I ensured that I have paid only the principal of the original loan amount back in full. For your records, I received an original loan amount of $500 on 6/21/19 and have paid back $1,026.13 to date on the loan, in seven payments of $146.59 during the dates of 6/27/19 through 9/19/19.

ISSUE 2: National Small Loan is sending me Collections Notices/E-mails stating they have not heard back from me at all. Please cease and desist contacting me about a loan that has not only been paid in full but has been OVERPAID. The loan status should be updated to PAID in FULL/CLOSED- and the refund check outlined above should be mailed to my address on file. For your records, please see the communication listing between myself and National Small Loan via E-mail, which is in addition to both this and the previous Revdex.com complaint I filed.

*** Communications Sent to National Small Loan from MYSELF (Customer Name Here)***
- 4 E-mails sent on 10/12: Subject: Revoking ACH Payment Authorization and Loan Follow-Up
-2 E-mails sent on 10/13: Subject: Revoking ACH Payment Authorization and Loan Follow-Up
-2 E-mails sent on 10/14: Subject: Revoking ACH Payment Authorization and Loan Follow-Up
-5 E-mails sent on 10/15: Subject: Revoking ACH Payment Authorization and Loan Follow-Up
-1 E-mail follow up on 10/15: Subject: Re: National Small Loan - Information about Your Account & Settlement Offer declining the settlement offer
-3 E-mails sent on 10/21. Subject: Loan Follow-Up before FRAUD CASE OPENED for NATIONAL SMALL LOAN
-3 E-mails sent on 10/25: Subject: Loan Follow-Up before FRAUD CASE OPENED for NATIONAL SMALL LOAN
-3 E-mails sent on 10/29: Loan Follow-Up before FRAUD CASE OPENED for NATIONAL SMALL LOAN
-1 E-mail Follow up on 9/4: Subject: Re: Re: FRAUD REPORTED: 'Customer Name Here' Written Complaint Midaaswi- declining settling offer

Communications Sent to 'Customer's Name Here' from National Small Loan
-1 e-mail reply from NSM on 10/15: Subject: National Small Loan - Information about Your Account & Settlement Offer
-1 e-mail on 10/22: Subject: National Small Loan- Oops, looks like you missed a payment!
-1 e-mail on 10/25: Subject: Urgent Notice from Collections Department
-1 e-mail 10/30: Subject: 'Customer's Name Here' Written Complaint Midaaswi
-1 e-mail on 9/9: Subject: Email from Collections Manager
-1 e-mail on 11/15: Subject: Collections Notice

ISSUE 3: National Small Loan sent me the 'settlement offer' after my previous Revdex.com complaint. I repaid the original loan amount in full, then overpaid an addition $526.13 to that loan that I am owed, and National Small Loan stated I still have an additional $456.77 to pay for my loan to be considered paid in full. If this isn't fraud and stealing of my money, I don't know what is.

Communication from National Small Loan for a Settlement Offer:
'As a courtesy, even though not obligated to do so, we would like to offer you a discount. If you
pay the sum of $456.77, we will consider the account paid in full and waive any outstanding balance. You
can either (1) call us at 1-844-388-0500 to set up an ACH or debit card payment or (2) mail a cashier’s
check or money order for the sum of $456.77 to us at the address below'

National Small Loan Response • Nov 22, 2019

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.We have reached out to the customer with an offer to resolve their loan which the customerdenied. The customer took issue that the loan is not legal. As your loan is legal, no refund is owed andtherefore will not be forthcoming. It is stated in the loan agreement that this is an expensive form ofborrowing as this is an installment loan with high annual percent rates. Although not required to do so,as a courtesy, the Company will reach out to the customer again with an offer to resolve their loan.

Customer Response • Nov 25, 2019

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 note that the business has only forwarded me the same correspondence that they sent to Revdex.com, stating that they would reach out, but haven't. The business' previous offer was declined because although they owe me a refund, they want to charge me in excessively additional amount to settle the loan. At this point, even though the business owes me a refund for overpaid amount, I will waive the refund in lieu of a paid in full/account close update, as I have repaid the loan in full AND have almost overpaid it by double.

I want to be done doing business with this company and leave this all in 2019.

Thank you.

Regards

National Small Loan Response • Nov 26, 2019

Please see attached that includes:

A copy of the response letter and offer was sent to the customer on 11/22/19, the same day the reply letter for complaint *** was sent to the Revdex.com. The response letter and offer will be re-sent to the customer.

Customer Response • Dec 02, 2019

[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. Although National Small Loan has refused my due (overpaid) refund, they have agreed to consider this account as paid in full/closed.

Regards

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Address: PO Box 632, Lac du Flambeau, Wisconsin, United States, 54538-0632

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