Great Plains Lending - Unlicensed Payday Loans



Date Posted: 
Tuesday, February 24, 2015

Updated: February 24, 2015
Originally posted: August 15, 2013

Also doing business as:

  • Otoe-Missouria Tribe of Indians d/b/a
  • Great Plains Lending, LLC;
  • American Web Loan (AWL);
  • Clear Creek Lending

The Washington State Department of Financial Institutions (DFI) has received complaints against Great Plains Lending, LLC. It appears that Great Plains Lending, LLC, American Web Loan (AWL), and Clear Creek Lending are operating as online payday lenders. They assert that they are wholly owned by the Otoe-Missouria Tribe of Indians, a federally-recognized Indian Tribe, and that they have sovereign immunity. Based on their claim of sovereign immunity, they assert that they are not subject to regulation by the Department and that only the United States Government has jurisdiction over federally recognized Indian Tribes and their business activities.

Great Plains Lending, LLC, American Web Loan (AWL), and Clear Creek Lending are not licensed by DFI and are not registered to conduct business in Washington State by the Department of Licensing, the Department of Revenue, or the Secretary of State. Washington residents are advised that state law provides in RCW 31.45.105(1)(d) and (3) that a small loan made by an unlicensed entity to a person physically located in Washington is uncollectible and unenforceable in Washington State.

Great Plains Lending, LLC operates a website at www.greatplainslending.com, lists its phone number as 877-836-1506, and lists an email address as support@greatplainslending.com. The address that has been associated with this entity is: 1050 East 2nd Street, Box 500, Edmond, OK 73034.

American Web Loan (AWL) operates a website at www.americanwebloan.com, lists its phone number as 877-636-1353, and lists an email address as customerservice@americanwebloan.com. The address that has been associated with this entity is: 2128 N. 14th St., Suite 1 #130, Ponca City, OK 74601.

Clear Creek Lending operates a website at www.clearcreeklending.com, lists its phone number as 888-913-7134, and lists an email address as customerservice@clearcreeklending.com. The address that has been associated with this entity is: 3910 W 6th Ave., Box 242, Stillwater, OK 74074.

If you have a complaint against these companies, you may file a complaint with the Otoe-Missouria Consumer Finance Services Regulatory Commission at www.omfsrc.com/complaint-form.aspx or mail your complaint to:

Great Plains Lending, LLC
Attn: Customer Support
1050 East 2nd Street, Box 500
Edmond, OK 73034

American Web Loan
Attn: Customer Support
2128 N. 14th St., Suite 1 #130
Ponca City, OK 74601

Clear Creek Lending
Attn: Customer Support
3910 W. 6th Ave., Box 242
Stillwater, OK 74074

Verify Licenses

DFI strongly recommends that consumers deal only with those lenders that are properly licensed to conduct business. Consumers can determine whether lenders are properly licensed using the "Verify a License" feature on the DFI’s website at www.dfi.wa.gov/consumers/findcompany.htm.

Payday Loan Debt Collection Laws

Washington State law prohibits threatening or harassing behavior by individuals attempting to collect a debt. The federal Fair Debt Collection Practices Act states that debt collectors must send consumers a written notice within five days of the first collection phone call, stating the amount of the debt and what it relates to.

Debt collectors cannot state or imply that failure to pay a debt is a crime. They cannot call before 8:00 a.m. or after 9:00 p.m. They cannot harass or abuse consumers, or contact consumers’ place of employment.

Report Violators

Washington State residents, if you are suspicious of unlicensed activity by a lender please contact the Washington State Department of Financial Institutions at 1-877-RING-DFI (746-4334), or online at www.dfi.wa.gov.

If you live in another state, find your state regulator.

If you feel you have been the victim of a loan scam please contact the Federal Trade Commission at 1-877-FTC-HELP (382-4357) or online at www.ftc.gov; or contact the Consumer Financial Protection Bureau (855) 411-CFPB or online at www.consumerfinance.gov. Because the scammers have access to bank account information and social security numbers, victims should consider themselves victims of identity theft and take appropriate precautions. The Federal Trade Commission has information for victims of identity theft available online at www.ftc.gov.

If you feel you have been the victim of a loan scam involving the Internet please contact the Internet Crime Complaint Center online at www.ic3.gov.

If you feel you have been the victim of a loan scam and are concerned about your personal financial information, contact your banking institution, and the three major credit bureaus.