Washington State Department of Financial Institutions

Consumer Alert:
Great Plains Lending

Not Licensed To Provide Payday Loans

Updated: October 17, 2013

Also doing business as:

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 tribal online payday lenders. DFI has obtained information indicating that the above companies assert being wholly owned by the Otoe-Missouria Tribe of Indians, a sovereign nation located within the United States of America, and operating within the boundaries of the Otoe-Missouria Reservation.

Great Plains Lending, LLC, American Web Loan (AWL), and Clear Creek Lending are not licensed by the Washington State Department of Financial Institutions. These entities 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.

Send Complaints

Great Plains Lending, LLC operates a website at www.GreatPlainsLending.com, lists its phone number as 877-836-1506, and email address as support@GreatPlainsLending.com.

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

American Web Loan (AWL) operates a website at www.americanwebloan.com, lists its phone number as 877-636-1353, and email address as customerservice@americanwebloan.com.

If you have a complaint against American Web Loan (AWL), you can mail it to:

American Web Loan
522 North 14th St., Box 130
Ponca City, OK 74601

Clear Creek Lending operates a website at www.clearcreeklending.com, lists its phone number as 888-913-7134, and email address as customerservice@clearcreeklending.com.

If you have a complaint against Clear Creek Lending, you can mail it to:

Clear Creek Lending
3910 W. 6th Ave.
P.O. 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.

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