Like all payday loan companies, lending enterprises affiliated with Native American tribes receive thousands of complaints each year. Traditional brick-and-mortar payday loan storefronts had mostly local customers who could always come back to complain about an unfair fee or deceptive contract. But when remote tribes turned to online payday lending, they garnered a far more dispersed clientele.
Payday lending companies make money by charging high interest but also through hidden fees in the application process. Many consumers report being charged hundreds of dollars just to get a loan approved.
Payday lending companies often threaten arrest or garnishing wages when people have difficulty repaying.
Tribal lenders are exempt from state bans on payday lending, which can cause confusion among consumers who discover that they took out an "illegal" note and want the state to cancel their debt.
In some cases, consumers report money being deposited into their account without their approval and knowledge. They report how difficult it is to speak to the company to rectify the situation.