Consumer complaint received 2025-12-16 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: WLCC
State: CA

Complaint narrative:
I am filing a complaint regarding WLCC Lending BGL d/b/a Bison Green Lending for XXXX XXXX XXXX issuing a loan materially inconsistent with their publicly advertised loan terms, ( XXXX ) providing inaccurate and unsupported statements about the loan amounts they advertise, ( XXXX ) failing to provide documentation after multiple written requests, and ( XXXX ) not responding to my formal dispute after escalation. 

On XX/XX/2025, I received an installment loan from Bison Green Lending in the amount of {$2100.00} at an APR of XXXX  %, with a total repayment amount of {$11000.00}. 

After receiving the loan, I discovered that Bison Greens official Rates page at the time of my application and still publicly available today states : The maximum loan amount is {$750.00} subject to approval. 

No advertisement, disclosure, or page on their website indicated that Bison Green offered loans anywhere near {$2100.00}. Their publicly posted lending limit is {$750.00}. 

Because of this discrepancy, I submitted a written dispute stating that issuing a loan nearly XXXX times higher than the publicly stated maximum loan product is misleading and inconsistent with their advertised terms. 

In response, Bison Greens Compliance Department claimed in writing that : I was presented with an advertisement stating that the company offers loans up to {$2500.00}. 

This statement contradicts : Their official website ( bisongreen.com ), which states max loan = {$750.00} Their secondary domain ( bisongreen.net ), which also states max loan = {$750.00} Their FAQ, which states loans range from {$200.00} {$750.00} XXXX lender directories ( FirstQuarterFinance, Finanso, Direct-Payday ), all listing Bison Green loans as {$200.00} {$750.00} or at most {$800.00} Full-site keyword searches showing no mention of {$2500.00} anywhere on their official pages I requested that the lender provide documentation of the {$2500.00} advertisement, including : A screenshot, URL, or archived version The dates during which this advertisement was allegedly displayed Despite XXXX written requests and a final XXXX notice asking for documentation, Bison Green : Provided no proof of the up to {$2500.00} advertisement Provided no URL, no screenshot, no records Has been silent since receiving my documentation request Has not responded to my XXXX notice Has not addressed the discrepancy between the websites {$750.00} max loan and the {$2100.00} loan I received Their failure to respond violates reasonable customer service expectations and suggests they can not substantiate the claims made in their compliance letter. 

This discrepancy has caused : Serious financial hardship Confusion regarding the validity of the loan Emotional stress related to the unexpected loan size and repayment burden Difficulty determining my legal obligations due to inconsistent information The need to revoke ACH/RCC authorizations to protect my finances Repeated efforts to seek resolution without meaningful response The lenders misrepresentation and subsequent refusal to provide documentation is deceptive, misleading, and inconsistent with fair lending practices.

Company response to consumer: Closed with explanation