ComplaintsforAvailBlue
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Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
08/25/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I took out a loan of $600.00 . They are charging me $180.00 biweekly and out of it only $30.00 is going to the principal. They are charging me $150.00 interest. On the web page they say if you borrow $1000,00 they only charge $300.00 for interest. I believe this is false and fraud. When I pay off the $600.00 I would be charged well over the $600.00 borrowed.Business response
08/27/2024
Please see the attached response.Initial Complaint
05/26/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I am getting contacted by this company as a collection agency. This debt has been settled by another agency. This is now the second agency that has reached out about this amount. I have already paid this off with another company. How do I get ******************* to stop selling this information to company after company.Business response
05/29/2024
Please see the attached response. The document uploaded by the customer is for a different company.Customer response
05/29/2024
[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.]
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Regards,
***************************Initial Complaint
02/22/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I applied for a loan with AvailBlue on 10.26.2023 due to a financial emergency. The loan was for the amount of $950.00. I believe the terms were misrepresented and THIS COMPANY IS A COMPLETE SCAM. As of today, I have paid a total of $3,693.05, with an annual interest rate of ******%. In ******** the law states the maximum interest rate is 36% of a payday loan is not to exceed 36%. In the state of WI 2.75 % per month. I was pay over $600 per month on a $950.00 loan. I was informed today that I was being charge a daily interest as well. I never missed a payment and asked AvailBlue to please work with me agreeing to a lower early pay off amount so I could close the account. I spoke to a manager today ******* who stated; "You should have read the contract and you would see your already paid over $2100 on this loan". They were unwilling to agree to a lower early payoff amount to close the account. ********************** takes advantage of individuals facing financial hardship and should be investigated. I understand I signed the contract and that makes it a legal binding agreement. I am very aware I will most likely never get any of the overcharged funds back. However, I employ you to please, please, please, investigate this company. They are praying on individuals like myself who are already struggling and taking complete advantage of people. I would value your assist in this matter. Thank you,*********************Business response
02/27/2024
Please see the attached response.Customer response
02/27/2024
Better Business Bureau:
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,
*********************Business response
03/04/2024
Please see the attached response.Initial Complaint
07/24/2023
- Complaint Type:
- Order Issues
- Status:
- Answered
Beginning of July, I was in need of a loan, and I feel like I was taken advantage of. The interest rate is over 600%. I would be paying $1400 of interest on a $450 loan. This should not be legal. Can you please close this loan. I was taken advantage of with this crazy high interest rate, please help me . I can not afford to pay back $1900.Business response
07/31/2023
Please see the attached letter.Initial Complaint
04/28/2023
- Complaint Type:
- Billing Issues
- Status:
- Resolved
The way this business operates should be illegal. I took out a $550 loan which I was apprehensive about taking initially because they wanted To speak to my actual employer to Confirm that I work with them after I told the numerous times that we could not do that. Then they really back out and say never mind we will give you the loan. Anyway, my loan was $550 and I have made two payments totaling $378! And my balance is barely under $500! My payments will only have $27 go Towards interest BI WEEKLY!This is insane and I am willing to pay what I owe along with some interest since they are a business and need to profit and but the current pay schedule is absolute robbery!Business response
05/02/2023
Please see above complaint response letterCustomer response
05/11/2023
[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.]
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Regards,
*********************Initial Complaint
03/16/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
Misrepresenting themselves when it comes to trying to pay off early. The only payment schedule available on the portal is what Im going by and it clearly says after first payment the balance is 570 and My loan agreement isnt on the portal either. I know its a high interest loan especially if I go through the monthly payments but if you dont want people to be confused and ****** you should not be so shady about what is due. Bankruptcy I guess !!Business response
03/21/2023
Please see attached response
This responds to the above-referenced complaint. This inquiry related to a loan from
Anong, LLC dba Avail Blue (the Company), which is owned by the *** du ******** 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 Tribes or the Companys 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 ******************************************* 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 ****, 48 Stat. 984, 25 U.S.C. 476, et
seq., as amended, and is identified on ***************** ********** of ********* 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. ***** *********** N.A. v. ******************* Econ. **** ****** 677 F. Supp.
2d ****, **** (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 Tribes *************************
Services Regulatory Code and it is licensed under Tribal law. The customers 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 customers loan is legal.
Although not required to do so, as a courtesy, the Company will reach out to the customer
with an offer to resolve their loan.
The customer can call the Company at ************** if there are further questions or
concerns.
DocuSign Envelope ID: ************************************
Anong, LLC dba Avail Blue LDF Holdings, LLC
P.O. Box 12 P.O. Box 231
*** du ********, ** *********************************
The Company trusts that the complainant will find this letter of explanation satisfactory.
However, if the complainant is not satisfied with the Companys resolution of this matter, pursuant
to Section 10 of the ************************* Services Regulatory Ordinance, which can be
found at *******************************************************************************
Financial-Services-Reulatory-Ordinance.pdf, he/she may pursue formal dispute resolution with
the ************************* Services Regulatory Authority ************ To do so, he/she
must send a written request to the Authority at P.O. Box 25, ***************, ********* 54538.
The request must contain the information required by Section 10 of the *************************
Services Regulatory Ordinance.Initial Complaint
02/08/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I RECEIVED A PAYDAY LOAN ON $500 FROM THIS COMPANY IN JANUARY. IN THE CONTRACT IT GIVES A FEW FORMS OF PAYMENT OPTIONS AND STATES AT ANY TIME I CAN CHANGE THIS OPTION BY CALLING OR CHATTING ONLINE WITH AN AGENT. I STARTED WITH *** WITHDRAWAL BUT A WEEK BEFORE MY PAYMENT WAS DUE I CONTACTED THE COMPANY THAT I WOULD BE CHANGING MY PAYMENT METHOD TO MONEY ORDER THROUGH THE MAIL. THE REPRESENTATIVE INFORMED ME THAT IF I MAKE THIS CHANGE THAT MY ACCOUNT WOULD AUTOMATICALLY GO INTO COLLECTIONS WHICH WOULD AFFECT MY CREDIT SCORE. I INFORMED THEM THAT WAS NOT WRITTEN IN THE CONTRACT AT ALL AND HOW CAN THEY PUT ME IN COLLECTIONS WHEN MY PAYMENT WAS NOT EVEN DUE FOR ANOTHER WEEK SO I WAS NOT EVEN LATE WITH A PAYMENT YET AND I WAS BEING PUT IN COLLECTIONS. SHE SAID THAT IS A "NEW" THING THE COMPANY IS DOING NOW WHICH I THINK IN SOME WAY MUST BE ILLEGAL TO RUIEN SOMEONES CREDIT BEFORE A PAYMENT IS EVEN LATE. SO SHE TAKES THE *** OFF AND THE NEXT DAY I GET AN ALERT FROM CREDIT KARMA THAT THERE IS A NEW INQUIRY ON MY ACCOUNT, AGAIN, WHEN MY PAYMENT WAS NOT EVEN DUE FOR ANOTHER WEEK. SO NOW I AM REALLY UPSET WITH THIS COMPANY BECAUSE EVEN IF I MAKE MY PAYMENTS, IT STILL HAS ME IN COLLECTIONS AND AFFECTED MY CREDIT. I AM LOOKING TO *** THIS COMPANY ASAP !!!!Business response
02/10/2023
This responds to the above-referenced complaint. This inquiry related to a loan from
Anong, LLC dba Avail Blue (the Company), which is owned by the *** du ******** 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 Tribes or the Companys 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 ******************************************* 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 ****, 48 *************************, et
seq., as amended, and is identified on ***************** ********** of ********* list of federally
acknowledged Indian Tribes. ************** (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. ***** *********** N.A. v. ******************* Econ. **** ****** 677 F. Supp.
2d ****, **** (W.D. ***. 2010) (holding that entities acting as arms of a tribe are entitled to tribal
sovereign immunity).
The Company issues loans in accordance with the Tribes ************************* Services
Regulatory Code and it is licensed under Tribal law. The customers 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 customers loan is legal.
Although not required to do so, as a courtesy, the Company will reach out to the customer
with an offer to resolve their loan.
The customer can call the Company at ************** if there are further questions or concerns.
DocuSign Envelope ID: ************************************
Anong, LLC dba Avail Blue LDF Holdings, LLC
P.O. ***************************************************************** ******************* 54538
The Company trusts that the complainant will find this letter of explanation satisfactory.
However, if the complainant is not satisfied with the Companys resolution of this matter, pursuant
to Section 10 of the ************************* Services Regulatory Ordinance, which can be
found at *******************************************************************************
Financial-Services-Reulatory-Ordinance.pdf, he/she may pursue formal dispute resolution with
the ************************* Services Regulatory Authority ************ To do so, he/she
must send a written request to the Authority at *************************************************************** 54538.
The request must contain the information required by Section 10 of the *************************
Services Regulatory Ordinance.Initial Complaint
01/17/2023
- Complaint Type:
- Order Issues
- Status:
- Answered
Hello. I have used this company for a loan before and paid it off. They contacted me offering me an offer to refinance my loan as a promotional offer. They sent me an email saying I could get my loan at 50% off and that the paperwork wouldnt reflect it as they had to do it manually. That should have been a red flag. I then confirmed this on the phone with them that the payments would be 50% of what the paperwork said and they agreed. The first payment was 50% off but that is not what the rest of the payments were. They lied to me and completely mislead me. I would like an adjustment to my loan ASAP!Business response
01/30/2023
This responds to the above-referenced complaint. This inquiry related to a loan from
Anong, LLC dba Avail Blue (the Company), which is owned by the *** du ******** 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 Tribes or the Companys 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 ******************************************* 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 ****, 48 *************************, et
seq., as amended, and is identified on ***************** ********** of ********* list of federally
acknowledged Indian Tribes. ************** (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. ***** *********** N.A. v. ******************* Econ. **** ****** 677 F. Supp.
2d ****, **** (W.D. ***. 2010) (holding that entities acting as arms of a tribe are entitled to tribal
sovereign immunity).
The Company issues loans in accordance with the Tribes ************************* Services
Regulatory Code and it is licensed under Tribal law. The customers 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 customers 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.
DocuSign Envelope ID: ************************************
Anong, LLC dba Avail Blue LDF Holdings, LLC
P.O. ***************************************************************** ******************* 54538
The customer can call the Company at ************** if there are further questions or
concerns.
The Company trusts that the complainant will find this letter of explanation satisfactory.
However, if the complainant is not satisfied with the Companys resolution of this matter, pursuant
to Section 10 of the ************************* Services Regulatory Ordinance, which can be
found at *******************************************************************************
Financial-Services-Reulatory-Ordinance.pdf, he/she may pursue formal dispute resolution with
the ************************* Services Regulatory Authority ************ To do so, he/she
must send a written request to the Authority at *************************************************************** 54538.
The request must contain the information required by Section 10 of the *************************
Services Regulatory Ordinance.
Kindest Regards,
________________________________
*******Initial Complaint
12/20/2022
- Complaint Type:
- Order Issues
- Status:
- Answered
The loan I had agreed upon with Avail Blue was in the amount of 600$. I would like this agreement to end as it was effective on 8/23/2022. With the amount of payments over the last few months that have been applied, the loan should be paid in full. I understand it is due to the interest rate, however I should not have to be paying more on this balance. I am requesting the loan has been paid in full and future payments are voided as of 12/20/2022.Business response
12/21/2022
This responds to the above-referenced complaint. This inquiry related to a loan from
Anong, LLC dba Avail Blue (the Company), which is owned by the *** du ******** 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 Tribes or the Companys 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 ******************************************* 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 ****, 48 *************************, et
seq., as amended, and is identified on ***************** ********** of ********* list of federally
acknowledged Indian Tribes. ************** (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. ***** *********** N.A. v. ******************* Econ. **** ****** 677 F. Supp.
2d ****, **** (W.D. ***. 2010) (holding that entities acting as arms of a tribe are entitled to tribal
sovereign immunity).
The Company issues loans in accordance with the Tribes ************************* Services
Regulatory Code and it is licensed under Tribal law. The customers 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 customers loan is legal.
As a courtesy, even though not obligated to do so, we have closed the subject loan and
will consider it paid in full.
The customer can call the Company at ************** if there are further questions or concerns.
DocuSign Envelope ID: ************************************
Anong, LLC dba Avail Blue LDF Holdings, LLC
P.O. ***************************************************************** ******************* 54538
The Company trusts that the complainant will find this letter of explanation satisfactory.
However, if the complainant is not satisfied with the Companys resolution of this matter, pursuant
to Section 10 of the ************************* Services Regulatory Ordinance, which can be
found at https://www.ldftribe.com/uploads/files/Court-Ordinances/CHAP94-Tribal-Consumer-
Financial-Services-Reulatory-Ordinance.pdf, he/she may pursue formal dispute resolution with
the ************************* Services Regulatory Authority ************ To do so, he/she
must send a written request to the Authority at *************************************************************** 54538.
The request must contain the information required by Section 10 of the *************************
Services Regulatory Ordinance.Initial Complaint
11/24/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
First thing I got this loan because I started a job and in my first paycheck yet and I needed to move out of my brother's basement so I need help paying first month's rent so I can move in to my apartment and I made a payment or two and as everyone else is explained they just kept going up and amount of bills one month would be one amount another month the bigger amount and I know this company because I work for the casino owned by that tribe called lake of the torches casino so I stopped pain and I just want to go to collections and I'm already in the process of filing bankruptcy and now they're contacting me over again constantly by phone and they're sending out a survey letter come this Monday and the person that's going to be delivering the letter left a voicemail stating that I took out this loan with malicious intent no I didn't when I took out the phone I had to pay you an account at a regular Bank and they said that they tried to charge the bank to pay and the bank was not because of the count doesn't exist anymore yes I picked up this loan five years ago I have never owned a bank account at last that long I prefer banking online which I do and I got this one right after my father died so I was going to a lot of depression at the time but what do I expect from a company and a people that want to be legally segregated so this way they can get away with more and more stuff for stuff like this they should be regulated by all state and federal laws not left the blow in the wind all because they're sovereign Nation oh and also the tribe is racist they would hire me because I'm white when gaming commission come around and I immediately after he left they would fire me they even spent a million dollars on a boat down in ********* for casino and it sat not being worked on and sat on the river and they're paying a million dollars in docking fees and taxes all because of the ****************** wanted to have its own people as employees and the tribe didn't want thatBusiness response
11/29/2022
This responds to the above-referenced complaint. This inquiry related to a loan from
Anong, LLC dba Avail Blue (the Company), which is owned by the *** du ******** 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 Tribes or the Companys 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 ******************************************* 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 ****, 48 *************************, et
seq., as amended, and is identified on ***************** ********** of ********* list of federally
acknowledged Indian Tribes. ************** (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. ***** *********** N.A. v. ******************* Econ. **** ****** 677 F. Supp.
2d ****, **** (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 Tribes ************************* Services
Regulatory Code and it is licensed under Tribal law. The customers 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 customers loan is legal.
Although not required to do so, as a courtesy, the Company will reach out to the customer
with an offer to resolve their loan.
The customer can call the Company at ************** if there are further questions or concerns.
DocuSign Envelope ID: ************************************
Anong, LLC dba Avail Blue LDF Holdings, LLC
P.O. ***************************************************************** ******************* 54538
The Company trusts that the complainant will find this letter of explanation satisfactory.
However, if the complainant is not satisfied with the Companys resolution of this matter, pursuant
to Section 10 of the ************************* Services Regulatory Ordinance, which can be
found at https://www.ldftribe.com/uploads/files/Court-Ordinances/CHAP94-Tribal-Consumer-
Financial-Services-Reulatory-Ordinance.pdf, he/she may pursue formal dispute resolution with
the ************************* Services Regulatory Authority ************ To do so, he/she
must send a written request to the Authority at *************************************************************** 54538.
The request must contain the information required by Section 10 of the *************************
Services Regulatory Ordinance.
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Contact Information
Customer Complaints Summary
14 total complaints in the last 3 years.
3 complaints closed in the last 12 months.