Complaints

• Initial Complaint

  11/15/2023

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  So I requested to skip my next payment, and a rep named **************** who was rude and disrespectful said that I have already skip 3 payments and this was the last time I can do so.So the rep repeatly said it's not his problem I am in hardship and he didn't care. He also called me the * word and said it was my fault I was poor and I needed to get a job, even though I have a full time job. Z Funds has bad reviews online and I can see why. ***** talks to anyone in this manner and I am disgusted but not surprised considering Z Funds reputation of poor customer service. ********************** is a bad company to get a loan from and I regret doing any kind of business with them. They don't try to work with you. They just want their money. So I told the rep to revoke my ACH authorization and I want to settle this for a lower amount. This company needs to learn to show respect and compassion when it comes to customers who want to pay a different amount or in financial hardship. This company is trash unfournately and it's sad that they started off good,but they lack any kind of empathy whatsoever. They also lack common sense and brain cells. Just when I think they have no brain cells, they prove me right each time I contact them.

  Business response

  11/20/2023

  Please see the attached response letter.

• Initial Complaint

  08/31/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I got a loan for $1000 and have paid back $****, now they are saying I owe another **** which was never explained for daily interest rate ! I was told I would pay $1400 for the $1000 loan I paid $216 that following Friday I got loan then $150 a week Ridiculous !

  Business response

  09/08/2023

  Please see the attached letter.

• Initial Complaint

  08/28/2023

  Complaint Type:

  Order Issues

  Status:

  Resolved

  More info

  I had applied for pay day loan in February 2023, from Z Funds for $300 and Ive already paid over $1000 dollars and now that I read that they dont give loans out to people who live in ********** so why did they give me a loan and now I wish not to pay them anymore money Ive paid enough. I want this to be settled as of now.

  Business response

  08/30/2023

  Please see the attached letter.

  Customer response

  08/30/2023

  [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

  06/21/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  zFunds has removed my loan contract from their website. I can no longer access my loan agreement to make a new repayment plan. They have also continually harrassed me with emails over the last few days about automatic payments. I explicitly told them if they did that, my bank would reject it. They didnt care and charged me anyway. Charging me anyway resulted in my bank rejecting the payment. My bank rejecting the payment added a NSF fee from ZFunds. They are refusing to work with me on a payment plan and continually charge my bank account, incurring even more fees. They are not only refusing to work with or listen to me, but are not willing to negotiate a repayment plan. If they are not going to work with me, I want out of the contract I signed.

  Business response

  06/26/2023

  Please see the attached letter

  This responds to the above-referenced complaint. This inquiry related to a loan from Ziibi,LLC dba zFunds(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. Lake of the Torches 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.

  Customer response

  06/26/2023

  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.
  
  [The business basically ignored my complaints about overdrawing my bank account. They refuse to give me a new payment plan, which I am willing to work with them on. I cannot pay the large amounts they request on the dates they request. If they can agree to a much smaller payment, then I will work with them.]
  
  Regards,
  
  ***************************

  Business response

  06/27/2023

  Please see attached letter

  This responds to the above-referenced complaint. This inquiry related to a loan from Ziibi,LLC dba zFunds(the Company), which is owned by the *** du ******** Band of Lake Superior Chippewa Indians (Tribe). *********** 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.*********** 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). *********** 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. Lake of the Torches Econ. **** ****** 677 F. Supp.2d ****, **** (W.D. Wis. 2010) (holding that entities acting as arms of a tribe are entitled to tribal sovereign immunity).*********** 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: *********************************************************** dba zFunds Po Box 763 ******************* ***** LDF Holdings, LLC Po Box ******************************* *********** 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 ************************************************************************************************************************, 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, ***************, ********* *****.The request must contain the information required by Section 10 of the ************************* Services Regulatory Ordinance.Kindest Regards,________________________________R

  Customer response

  06/27/2023

  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.
  
  [I want to make it very clear the company has made no attempt to contact me. I am willing to work with them to resolve my loan, but I request a new payment plan.]

  
  Regards,
  
  ***************************

• Initial Complaint

  06/02/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I have loaned from them $1000 for my expenses thinking that I will repay off the same amount, but when I was signing an agreement, I didnt see that their settlement with me was to pay $6000 for the loan which is very stressful for me. I contacted my ACCS company who is settling my debt because of them, the loan was one amount but their agreement was more than what I loaned from them. This is a barbaric company that is framing every customer to get a lot of money from them.

  Business response

  06/09/2023

  Please see attached letter

  This responds to the above-referenced complaint. This inquiry related to a loan from Ziibi,
  LLC dba zFunds(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. Lake of the Torches 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: ************************************
  
  Ziibi, LLC dba zFunds
  Po Box 763
  ******************* 54538
  
  LDF Holdings, LLC
  Po Box 231
  *** du ********, ** 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 P.O. Box 25, ***************, ********* 54538.
  The request must contain the information required by Section 10 of the *************************
  Services Regulatory Ordinance.
  
  Kindest Regards,
  
  ________________________________
  ***********************
  Compliance Manager
  Ziibi, LLC dba zFunds

• Initial Complaint

  01/20/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I would want to voice my dissatisfaction with your business. After contacting with a representative three days prior, I had set a payment plan for my loan that called for its complete repayment on January 23; nevertheless, on January 20, your business withdrew $300+ from my account. When I called on Friday, January 20, asking to settle my bill in full, I was informed that you will still deduct $999+ or more from my account on Monday, January 23. You are a predatory lender, and I will report your dubious practices to the Better Business Bureau. You are completely devoid of conscience and empathy. Please take my name, phone number, and email address off of any mailing lists. God disapproves of ugly. I'll keep praying that I'll never have to work for such a callous organization again.An extremely unhappy and dissatisfied, *****************************

  Business response

  01/23/2023

  This responds to the above-referenced complaint. This inquiry related to a loan from Ziibi,
  LLC dba Zfunds (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: ************************************
  
  Ziibi, LLC dba zFunds
  Po Box 763
  ***************, ** 54538
  
  LDF Holdings, LLC
  Po Box 231
  ***************, ** 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.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩