NIIWIN, LLC

Regarding ID [redacted]. Thank you for providing us the opportunity to address the customers’ concerns. The letter [redacted] is referring to was in regards to the missed payment. Which at the time was $322.Regrettably, the email sent by [redacted] we received late. Due to the holiday we were...

unable to stop the payment. We would like to take this time to apologize to [redacted] for any inconvenience this may have caused. We encourage [redacted] to contact our office to resolve the issueRegards,[redacted]Lendgreen Complaints Department1-855-832-7227

Thank you for providing us with the opportunity to address this customer’s concerns. Alice Spencer contacted our office on 12/04/2015 in regards to obtaining a loan for $500. The terms of the loan were explained to the customer. [redacted] was given all the dates and amounts of each payment...

(total of 7 payments). The loan agreement was sent to the customer, the customer acknowledge she has already signed a loan document. The customer service representative explained the system set it up as 6 installments which was incorrect. [redacted], acknowledged the issue and continued with the application, the new loan document indicating 7 payments was e-signed by Alice Spencer. The customer received thank you and congratulations message indicating the E-signature has been received. We encourage Alice Spencer to contact our office to discuss further. Regards, [redacted]Complaints Department1-855-832-7227www.lendgreen.com

Thank you for providing us with the opportunity to address this customer’s concerns.  [redacted] called our office on 01/16/2016 inquiring what the payoff balance would be on his $1000 loan. [redacted] was not satisfied with the amount given as he stated several payments have been made...

towards the balance of this loan.  The terms of the loan were explained to the customer and further informed the [redacted] had requested a loan product for 25 payments. The customer was advised of the daily interest at the time of the loan application.  At this time, the customer has made partial repayment of the loan based on the terms and conditions within his signed loan agreement. We encourage [redacted] to contact our office to discuss further options.   Regards,[redacted] Lendgreen Complaints DepartmentComplaints@lendgreen.com1-855-832-7227www.lendgreen.com

As clearly indicated in its website disclaimers and the loan documents executed by you, Niiwin LLC dba Lendgreen is an economic development arm of, instrumentality of, and a limited liability company wholly-owned and controlled by, the Lac du Flambeau Band of Lake Superior Chippewa Indians of Wisconsin. Our website clearly identifies its location within the exterior boundaries of the Lac du Flambeau Band of Lake Superior Chippewa Indians of Wisconsin, a sovereign Native American Nation. As such, Niiwin LLC conducts its’ business under all applicable Federal law and the laws of the Lac du Flambeau Band of Lake Superior Chippewa Indians of Wisconsin. Consequently, Lendgreen is  exempt from state regulation due to its Native American status. Pursuant to Federal Law, Niiwin LLC is a completely lawful enterprise and can conduct business within the US.By signing your consumer loan agreement, you agreed to be bound solely by the laws of the Lac du Flambeau Band of Lake Superior Chippewa IndiansTribe and the jurisdiction of its Courts. In addition, you agreed to comply with all the terms and conditions of the Loan Agreement and the terms of our agreement will stand. Niiwin LLC relied upon your representations in good faith and approved your loan based upon such representations. Niiwin LLC loaned you $1000 on 4/20/15 in good faith with the promise that you would repay the note as promised. Niiwin LLC is fully within its rights to require repayment as originally agreed.In your Revdex.com complaint, you stated you believe you only owed a total of $322 to pay off your loan. Unfortunately, the letter you received stated that the $322 was due to catch up with your payments and get you back to the payment schedule as outlined within your signed consumer loan agreement. Additionally, you requested a change to your payment arrangement after hours on 11/23/15. Because we need 2 full business days to review your request, we were unable to make any changes to your payment schedule prior to your 11/25 due date.On 4/20/15 you requested and were funded a $1000 loan with Lendgreen.  At this time, you have made payments totaling $726. As a courtesy, and in an effort to resolve this amicably, Lendgreen has accepted all of your payments up to date to satisfy the principal loan and all finance fees incurred throughout the life of the loan. As per your request, the loan is now completely settled. Thank you for providing us with the opportunity to address your concerns.Regards, [redacted] Lendgreen Complaints DepartmentComplaints@lendgreen.com1-855-832-7227www.lendgreen.com

Thank you for providing us with the opportunity to address the customer’s concerns. A $500 loan was requested by and funded to [redacted] on July 10, 2015. [redacted] had the opportunity to review all of the loan’s terms and conditions on the consumer website and the loan agreement that...

she reviewed and signed.  We offered [redacted] the opportunity to a payoff the loan in the amount of ($x) on August 28, 2015, which she did not accept.  Most recently on September 11, 2015 [redacted] contacted our customer service department and stated that she will be on a sick leave and would like her payment switched to Money Order payments. We urge [redacted] to contact our office to discuss further repayment options available. Regards, [redacted] Lendgreen Complaints DepartmentComplaints@lendgreen.com1-855-832-7227www.lendgreen.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Please be advised that I contacted Lendgreen on November 23, 2015 about changing my payment date per phone and email instructions given for a two day notice.  I received a response by Luba on November 25, 2015 informing me that my account would be debited on November 27, 2015. 
Regards,
[redacted]

Thank you providing us the opportunity to address the [redacted] concerns. A $600 loan requested by and funded to [redacted] on 09/23/2015.. On [redacted] called our office on November 24, 2015, [redacted] the repayment terms where clearly explained to the customer. Our customer...

service representative are available to answer any questions about the repayment. We encourage [redacted] to contact our office to discuss further  Regards,[redacted]Lendgreen Complaints Department1-855-832-7227

Thank you for providing us with the opportunity to address this customer’s concerns. A $300 loan was...

requested by and funded to Mr. [redacted] on September 16, 2014. The customer had the opportunity to review all of loan’s terms and conditions as they appear in both the consumer website and the loan agreement reviewed and signed by the customer.  At the time of the customer’s call, w also went through all of the customer’s options when it came to repayment. To date, Mr. [redacted] has only made a partial repayment toward his $300 loan based on the loan terms. As a courtesy, at this time, we have decided to waive this customer’s remaining balance and deem his account closed. Should Mr. [redacted] have any remaining questions, we urge him to contact us at his convenience to discuss. 
 
Best regards,
 
[redacted]

Regarding your ID # [redacted], [redacted] for a loan with Lendgreen. I have reviewed Ms. [redacted] file and listened t the recorded calls...

and here are my findings:-
 
·         Ms. [redacted] applied for and was funded a loan in the amount of $400.00 on June 11th
·         Ms. [redacted] was given several r4e-payment options at the time loan was originated, and she chose the option of partial pay-down of the principal in increments.
·         On June 17th Ms. [redacted] called our office to inquire on her payment arrangements, she was given the next payment date of June 20th and an amount of $130.00. She was asked if she wished to increase the payment, which she refused.
·         On July 27th Ms. [redacted] again called our office to verify her payment of August 1st.
·         4 payments totalling $502.00 successfully cleared Ms. [redacted]’s bank account on June 20th, July 7th, July 18th and August 1st.
 
We have had no further communication from Ms. [redacted] until receiving this complaint.
 
At this time we are prepared to accept Ms. [redacted]’s payments as made to satisfy the loan.
 
I have copied Ms. [redacted] on this response.
 
Sincerely
 
[redacted]
Collections Supervisor
Lendgreen – [redacted]
[redacted]

[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 will be able to make the settlement on September 12, 2015. Because that is when I will have any funds. 
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me. 
Regards,
[redacted]

Thank you for providing us with the opportunity to address the customer’s concerns. A $500 loan was requested by and funded to [redacted] on July 10,...

2015. [redacted] had the opportunity to review all of the loan’s terms and conditions on the consumer website and the loan agreement that she reviewed and signed.  We offered [redacted] the opportunity to a payoff the loan in the amount of ($x) on August 28, 2015, which she did not accept.  Most recently on September 11, 2015 [redacted] contacted our customer service department and stated that she will be on a sick leave and would like her payment switched to Money Order payments. We urge [redacted] to contact our office to discuss further repayment options available.
 
Regards, 
[redacted]
 Lendgreen Complaints [email protected]
www.lendgreen.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.Please be advised that I contacted Lendgreen on November 23, 2015 about changing my payment date per phone and email instructions given for a two day notice.  I received a response by Luba on November 25, 2015 informing me that my account would be debited on November 27, 2015. 
Regards,
[redacted]

I have reviewed this matter and found that an email was sent to Ms. [redacted] on July 13th 2015 indicating that we waived the outstanding balance on this loan as a courtesy, and now consider the matter closed. Should you require further information, please do not hesitate to contact...

me directly. Sincerely,  [redacted]Collection Support AdministrationLendgreen – PO Box 221, Lac Du Flambeau, WI 54538289-295-0458

[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 [redacted], and find that this resolution is NOT satisfactory to me.  When I called them on the 24th to pay it off they stated that they were going to still take the payment of $167.and some cents on the 25th. I just don't understand why they wouldn't take the payment minus the pay off amount they told me, not add it to the payoff amount. 
Regards,
[redacted]

Thank you for providing us with the opportunity to address this customer’s concerns.  [redacted] called our office on 01/16/2016 inquiring what the payoff balance would be...

on his $1000 loan. [redacted] was not satisfied with the amount given as he stated several payments have been made towards the balance of this loan.  The terms of the loan were explained to the customer and further informed the [redacted] had requested a loan product for 25 payments. The customer was advised of the daily interest at the time of the loan application.  At this time, the customer has made partial repayment of the loan based on the terms and conditions within his signed loan agreement. We encourage [redacted] to contact our office to discuss further options. 
 
 
Regards,
[redacted]
 Lendgreen Complaints [email protected]
www.lendgreen.com

We have received the complaint regarding your case # above, concerning  [redacted]. I have reviewed the file & here...

are my findings:- 
·         Mr. [redacted] was funded a loan in the amount of $400 on July 17th 2014.
·         On July30th 2014 a successful payment in the amount of $120 cleared his bank account.
·         On August 13th & August 27th payments in the amount of $120 each were returned from his bank. The 1st payment came back NSF. The 2nd was returned as “Account Frozen”
·         On September 8th we received an email from Mr. [redacted] asking for the full balance of the account so he could pay it.
·         On September 8th we responded to the customer’s email telling him he would only be able to pay via Money Order as the last payment came back from his bank as “Account Frozen”
·         On September 9th the customer sent an email requesting an address to send the Money Order.
·         On September 9th we responded with the mailing address for a Money Order and asked him for approximate dates when he would be sending the Money Orders & for how much.
 
Since then we have had no contact from Mr. [redacted] until this complaint.
 
The current balance on this loan is $700, however we are prepared to apply the payment of $120 that did clear his bank account & settle the loan for $280 – which is the difference between the $400 principal borrowed & the successful payment of $120.
 
I am copying Mr. [redacted] on this email, so he is aware of the settlement offer.
 
Sincerely,
 
 
[redacted]
Collections Supervisor
Lendgreen – PO Box 221, Lac Du Flambeau, WI 54538
855-832-7227

Thank you for providing us with the opportunity to address this customer’s concerns. Alice Spencer contacted our office on 12/04/2015 in regards to obtaining a loan for $500. The...

terms of the loan were explained to the customer. [redacted] was given all the dates and amounts of each payment (total of 7 payments). The loan agreement was sent to the customer, the customer acknowledge she has already signed a loan document. The customer service representative explained the system set it up as 6 installments which was incorrect. [redacted], acknowledged the issue and continued with the application, the new loan document indicating 7 payments was e-signed by Alice Spencer. The customer received thank you and congratulations message indicating the E-signature has been received. We encourage Alice Spencer to contact our office to discuss further.
 
Regards,
 
[redacted]
Complaints Department
1-855-832-7227
www.lendgreen.com

I have reviewed the file. A loan was requested by and funded to [redacted] on July 29 2015. The customer had the opportunity to review all of the loan’s terms and conditions. [redacted]...

[redacted] has only made partial repayment towards the loan of $700 loan based on the loan terms. As a courtesy, at this time we have decide accept $238.00 to satisfy the loan. We encourage the [redacted] to contact our office to make suitable arrangements.
 
Regards,
[redacted]
 Lendgreen Complaints [email protected]
www.lendgreen.com

Thank you providing us the opportunity to address the [redacted] concerns. A $600 loan requested by and funded to [redacted] on 09/23/2015.. On [redacted] called our...

office on November 24, 2015, [redacted] the repayment terms where clearly explained to the customer. Our customer service representative are available to answer any questions about the repayment. We encourage [redacted] to contact our office to discuss further
 
 
Regards,
[redacted]Lendgreen Complaints Department1-855-832-7227

[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 [redacted], and find that this resolution is satisfactory to me. 
From: [redacted] [redacted]>Date: Tue, Oct 14, 2014 at 3:12 PMSubject: RE: You have a new message from the Revdex.com of WisconsinTo: "[email protected]" <[email protected]>I don't remember them contacting me saying I only have to pay a total of 110 dollars. However, if that's what they want to settle with I can pay that at the end of November. Due to current bills I can not settle until then but I am willing to pay 110 dollars at the end of November. Again I would like to state I don't recall them saying they would settle for that. 
Regards,
 
[redacted]