Consumer complaint received 2025-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: CA

Complaint narrative:
I am submitting a complaint regarding XXXX XXXX XXXX and XXXX # XXXX for violations of federal law, failure to honor a lawful revocation of payment authorization, failure to validate the debt, and refusal to communicate in writing. 

On XX/XX/year>, I sent a formal written notice revoking all authorization for ACH debits, debit card charges, recurring debits, remotely created checks ( RCCs ), and any other electronic withdrawals associated with my loan. This revocation was made under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ), Regulation E, and the lenders own Optional Recurring Electronic Payment Authorization, which states they must comply within three business days. 

Instead of honoring my revocation : XXXX. XXXX XXXX XXXX repeatedly refused to process it. 

They sent me the same automated email requesting the last XXXX digits of my Social Security number XXXX separate times, despite already having all necessary identifying information ( loan number, full name, email on file, etc. ). They ignored the revocation entirely. 

XXXX. They requested sensitive identity information through unsecured email.

This is unsafe, unnecessary, and not a condition of revoking authorization under EFTA or their own agreement.

3. They failed to respond to my formal written dispute of the loan. 

On XX/XX/year>, I disputed : The accuracy of the balance The legality of the interest rate and terms All fees added after revocation The calculation of the amount owed Their authority to collect the debt The governing-law provisions of the contract I also requested : Full account history Principal vs. interest breakdown Copies of all signed agreements Validation of the debt Identification of any third-party collectors XXXX XXXX XXXX has refused to provide any of the required documentation.

4. They failed to validate the debt.

They did not provide account history, disclosures, or any of the legally requested information.

5. They told me to call for assistance instead of responding in writing.

I requested written communication for consumer protection and recordkeeping, but the company refused and tried to force phone contact, avoiding accountability and written documentation.

6. Their conduct prevents me from understanding or verifying the debt. 

To this day, XXXX XXXX XXXX has : Not acknowledged my revocation Not validated the debt Not provided documentation Not responded to my dispute Not addressed unauthorized debit issues Not complied with their own contracts 3-day rule Not provided any substantive communication The account remains disputed and unverified.

This pattern appears to violate : Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) Regulation E Fair Credit practices regarding dispute responses Contractual obligations under their own loan agreement General standards of fair and transparent lending I am requesting CFPB investigation and intervention to ensure compliance.

Company response to consumer: Untimely response