Resolving Consumer Disputes Under the Dispute Resolution Process

  1. Initiation of Dispute Resolution Process
    1. A consumer may initiate a dispute resolution process before the Tribal Consumer Finance Department (the "Department") by submitting the following information in writing to the Department:
      1. Consumer name, address, phone number, e-mail address
      2. Lender name
      3. Date, account number and principal amount of loan, if any
      4. Amounts paid on the loan, if any
      5. Nature of dispute, and
      6. Requested relief
    2. The Department may provide a Dispute Resolution Request Form for use by consumers.
    3. The consumer may send the written submission to the Department by e-mail to or by US Mail to Otter Lending Dispute Resolution,P.O. Box 115, Crandon, WI 54520.
    4. The Department does not charge a fee for the processing of consumer disputes.
    5. The Department will send acknowledgement in writing to the consumer of its receipt of a complete submission or identify in writing to the consumer any missing information, within 72 hours of receipt of the consumer's submission.
    6. A consumer may not initiate a dispute resolution process as a class representative, a private attorney general, or in any other representative capacity, nor may a consumer participate as member of a class with respect to any dispute pursuant to this process.
  2. Initial Processing by Department: Investigation; Report; Determination and Recommended Resolution
    1. Upon receipt of complete submission, Department shall immediately undertake an investigation of the matter.
    2. The investigation may include any or all of the following:
      1. Examination of relevant documents
      2. Interview of witnesses and other persons possessing information relevant to the dispute
      3. Review of consumer's interactions with the Lender and/or related entities involved in the processing of loan applications and/or servicing of accounts
    3. The Department shall make its best effort to conclude the investigation within ten (10) days after its receipt of a complete submission or such other time frame as it may determine to be reasonable given the nature of the dispute.
    4. Once the investigation has been completed, the Department shall prepare a report that includes a determination regarding the dispute, including recommended resolution.
    5. The Department shall then provide written notice to the consumer and the Lender summarizing the Department's determination and recommendation and notifying the consumer.

We verify applicants' credit information using national databases. You can complete the loan process by creating an account and submitting your application online.

**Otter Lending, Inc.’s loans are usually funded by Automated Clearing House (ACH) electronic crediting directly to your bank account. ACH transfers that are completed by 2:00 pm CST will usually be available the next business day. Unavoidable delays that occur as a result of bank holidays, the processing schedule of your individual bank, inadvertent processing errors, "acts of God", and/or "acts of terror " may extend the time for the deposit and may cause a change in the Disbursement Date.

Otter Lending, Inc. is a Native American business owned and operated by the Tribe, a federally recognized sovereign Indian nation (the "Tribe") that adheres to federal consumer financial protection laws and operates within the boundaries of the Tribe's reservation. Otter Lending, Inc. abides by all applicable federal laws, regulations, and tribal law as established by the Tribe.

This is an expensive form of borrowing. Otter Lending, Inc. Installment Loans are designed to assist you in meeting your short-term borrowing needs and are not intended to be a long term financial solution. Otter Lending, Inc. never charges any prepayment penalties on partial or complete repayments. Prompt repayment of your loan will reduce the costs associated with borrowing and is strongly recommended by Otter Lending, Inc..

Credit products obtained through this website are not available to residents of all states and state availability may change from time to time without notice. Currently, residents of Alabama,Arkansas,Connecticut,Georgia,Illinois,Indiana,Maine,Maryland,Massachusetts,Minnesota,New York,North Carolina,Pennsylvania,South Carolina,Vermont,Virginia,West Virginia,District of Columbia,New Jersey,Wisconsin are not eligible for a loan from Otter Lending, Inc.