The Washington State Department of Financial Institutions (DFI) has received a complaint about Clear Loan Solutions. It appears that this entity is operating as a tribal online payday lender. This entity appears to be owned by the Big Lagoon Rancheria, a federally recognized Indian Tribe exercising its sovereign immunity and subject to regulation by the United States Government.
Clear Loan Solutions is not licensed by the DFI. This entity is 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.
Clear Loan Solutions operates a website at www.clear-loans.com and lists its phone number as 888-680-5709. The address associated with Clear Loan Solutions is:
Clear Loan Solutions
271 Lynda Lane
Trinidad, California 95570
If you have a complaint against Clear Loan Solutions, you can mail it to:
Big Lagoon Rancheria Regulatory Authority
Attention: Mr. David Neyra
PO Box 3060
Trinidad, CA 95570
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.
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' places of employment.
Washington State residents, if you are suspicious of unlicensed activity by a payday 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.