Consumer complaint received 2025-06-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Robinson Economic Development Corporation
State: MI

Complaint narrative:
On XX/XX/year> I took out a payday loan as I was desperate due to being a single mom. I started off paying the loan but then decided to stop once I realized that their online portal didnt even work. I couldnt access my contract/see amounts I owed or anything unless I contacted them directly on the phone. I also started seeing more posts about them not being XXXX accredited and many people who said they are a predatory tribal loan. Every month I get an email telling me to resolve my account in my online portal but when I tried to do this it prompts me to talk to a customer service agent, which I have done. I live in Michigan and saw that their interest loan exceeds Michigans cap by ALOT, and so I reached out again today and this was the message I was sent back. 
Dear XXXX, We are in receipt of your request regarding your account and your questions and concerns are addressed below. 

Clearly stated on our website and your contract Robinson Economic Services DBA XXXX XXXX XXXX is a corporate subdivision of the Robinson Economic Development Corporation, a wholly owned federally chartered corporation and an economic development arm of the XXXX XXXX of XXXXXXXX XXXX of California ( XXXX XXXX XXXX '' ), a federally recognized and sovereign Native American XXXX tribe. The following is a link to our website for your convenience : XXXX Robinson Economic Services DBA XXXX XXXX XXXX is wholly owned by the Tribe, was established for the Tribes economic benefit, and is licensed by the XXXX XXXX XXXX XXXX XXXX. When you choose to visit the Tribes jurisdiction through the internet and access services offered and regulated under the XXXX laws, you must consent to the XXXX jurisdiction and agree that Tribal law govern such services, and will become binding when we accept them at our offices on the XXXX land, and not the laws of any other jurisdiction. 

XXXX XXXX XXXX XXXX XXXX XXXX  of California is a federally recognized XXXX tribe and a sovereign nation, as expressly recognized under federal law. See 75 FED. REG. 60,810, 60,811. As such, XXXX XXXX XXXX follows the applicable principals of Federal financial consumer laws and the laws of the XXXX XXXX of XXXX XXXX  of California. 

We take these matters seriously and diligently work with our customers to answer any inquiries and resolve any issues that have been brought to our attention in a timely manner. We hope that the response above answers your question regarding the legality of XXXX XXXX XXXX providing loans to consumers in your jurisdiction.

As a customer in good standing XXXX XXXX XXXX we would like to thank you for your business and let you know that our representatives are available to assist you if any circumstances arise regarding your account, including but not limited to making alternative payment arrangements, payment plans, discussing payment schedules and balances, or making additional payments to save on charges. 

Please refer to your contract for your next scheduled payment and due date. If you foresee an issue with making that payment, or have additional questions please feel free to contact us utilizing any of the methods presented below : If by e-mail - XXXX, if by telephone - call customer service at XXXX and a representative will be glad to assist you. A link to our hours of operation is provided for your convenience XXXX XXXX XXXX 

What are my options?

Company response to consumer: Closed with explanation