Alert Number: CA055378_5/31/22(5/23)
The Washington State Department of Financial Institutions (DFI) has received complaints from Washington State consumers against Great Plains Lending, LLC, American Web Loan (AWL), Clear Creek Lending, and WithU Loans. Consumers stated that they received loans from these entities and were charged excessive fees and interest.
It appears that these entities are operating as unlicensed Tribal lenders. The entities claim to be wholly owned by the Otoe-Missouria Tribe of Indians, a federally-recognized Indian Tribe.
Great Plains Lending, LLC operates a website at [www.greatplainslending.com] and lists its contact information as:
Great Plains Lending, LLC
1050 East 2nd Street, Box 500
Edmond, OK 73034
877*836*1506
[support@greatplainslending.com]
American Web Loan (AWL) operates a website at [www.americanwebloan.com] and lists its contact information as:
American Web Loan (AWL)
2128 N. 14th St., Suite 1 #130
Ponca City, OK 74601
877*636*1353
[customerservice@americanwebloan.com]
Clear Creek Lending operates a website at [www.clearcreeklending.com] and lists its contact information as:
Clear Creek Lending
3910 W 6th Ave., Box 242
Stillwater, OK 74074
888*913*7134
[customerservice@clearcreeklending.com]
WithU Loans operates a website at [www.withuloans.com] and lists its contact information as:
10600 S. Pennsylvania Ave., Ste 16 #828
Oklahoma City, OK 73170-4257
866*404*0674
[customercare@withuloans.com]
According to [https://www.omtribe.org/cfsrc/] if you have a complaint against these entities, you may file a complaint with the Otoe-Missouria Consumer Finance Services Regulatory Commission at [Omfsov@omtribe.org] or mail your complaint to 8151 Hwy 177, Red Rock, OK 74651. Great Plains Lending, LLC, American Web Loan (AWL), Clear Creek Lending, and WithU Loans are not licensed by the Department and are not registered to conduct business in Washington State by the Department of Licensing, the Department of Revenue, or the Secretary of State.
DFI warns Washington consumers that before doing business with a financial service provider the consumer should:
- Make sure that the entity is licensed. Consumers can use the “Verify a License” feature on DFI’s website to check whether a payday or consumer loan company is licensed to conduct business in the state of Washington.
- Not provide any personal information, such as social security number or bank account number or access if the company is not licensed or authorized to conduct business.
Important Information for Washington State Residents
Washington State residents are informed that Washington 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 State is uncollectible and unenforceable in Washington State. A “small loan” is defined in RCW 31.45.073 and is a loan that does not exceed $700.
Washington State residents with loans exceeding $700 are informed that Washington State law provides in RCW 31.04.035 that fees or interest charged in the making of a nonresidential loan by an unlicensed lender must be refunded to the borrower.
Report Unlicensed Lending Activity or Fraud
Washington State residents only: If you suspect unlicensed activity by a payday lender or consumer loan company, please contact the Department at 1-877-RING-DFI (746-4334), or online at www.dfi.wa.gov. Even if your activity involves a loan over the internet, a license may still be required.
If you live in another state, find the regulator in your home state.