The Wakpamni Lake Community of the Oglala Sioux Tribe - Tribal Lender Not Licensed in Washington State

Date Posted: 
Thursday, March 21, 2019

Alert Number: CA050258_03/18/2019(3/20)
Date Updated: 03/21/2019
Date Posted: 01/11/2016

The Wakpamni Lake Community of the Oglala Sioux Tribe d/b/a Wakpamni Lake Community Corporation

The State of Washington Department of Financial Institutions (DFI) has received complaints from Washington consumers that Wakpamni Lake Community of the Oglala Sioux Tribe, doing business as Wakpamni Lake Community Corporation, may be operating several subsidiaries as online tribal lenders not licensed in Washington State, under the following business names:

  • Rolling Plains Cash
  • First Day Loan
  • Gan Eden Group
  • Check Advance USA
  • Good Loans Fast

These businesses claim to be a subsidiary of the Wakpamni Lake Community Corporation, operated by the Oglala Sioux Tribe (formerly the Oglala Sioux Tribe of the Pine Ridge Reservation), a federally recognized Indian Tribe located in South Dakota.

Wakpamni Lake Community Corporation and their subsidiaries are not licensed by DFI and are not registered to conduct business in Washington State by the Department of Licensing, Department of Revenue, or the Secretary of State.

Wakpamni Lake Community Corporation and their subsidiaries have been associated with the following contact information:

Wakpamni Lake Community Corporation
605*441*7564
#1 Wakpamni Lake Housing
Batesland, SD 57716

Rolling Plains Cash
[www.rollingplainscash.com]

First Day Loan
[www.firstdayloan.com]
855*876*8584
[clientservices@firstdayloan.com]
#1 Wakpamni Lake Housing
Batesland, SD 57716

Gan Eden Group
[www.theganedengroup.com]
855*888*0133
[clientservices@theganedengroup.com]
#1 Wakpamni Lake Housing
Batesland, SD 57716

Check Advance USA
[www.checkadvanceusa.net]
866*898*9573
[support@checkadvanceusa.net]
PO Box 181
Batesland, SD 57716

Good Loans Fast
[www.goodloansfast.com]
888*522*2848
[cutomerservice@goodloansfast.com]
PO Box 212
Batesland, SD 57716

Wakpamni Lake Community Corporation also operates the following websites:

[www.arrowheadadvance.com]
[www.foxhillscash.com]
[www.cashoncloud9.com]
[www.easycashonlinestore.com]

If you have a complaint against any of these entities, you may contact:

Wakpamni Lake Community Corporation
#1 Wakpamni Lake Housing
Batesland, SD 57716

DFI warns Washington State 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 at www.dfi.wa.gov 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 Consumers About Unlicensed Lenders

  • 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 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. For a residential mortgage loan, an unlicensed lender must refund any non-third-party fees charged in connection with the origination (excluding interest charges).
  • Washington 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 the activity involves a loan you obtained over the internet, a license is generally still required. If a collection agency is attempting to collect a debt from you, check that the company is licensed by the state of Washington Department of Licensing.
  • Collection activities by payday lenders in the state of Washington are subject to RCW 31.45.082, which limits the time, place, and manner by which a payday lender may collect a debt. Payday lenders must also provide borrowers with an installment plan if the borrower is not able to pay the small loan back when it is due.

Important Information for All Consumers

  • If you received a loan from a lender and someone else is now attempting to collect the loan, collection activity may be subject to the federal Fair Debt Collection Practices Act (FDCPA). If you are contacted by a third party claiming you owe a debt, you can request a “written validation notice,” which must provide the amount of the debt, the name of the creditor you owe, and your rights under the FDCPA. If you have questions regarding federal debt collection laws you can contact the Federal Trade Commission (FTC) at 1-877-FTC-HELP or online at www.ftc.gov.
  • If you feel you have been the victim of a scam you can contact the FTC at 1-877-FTC-HELP (382-4357) or online at www.ftc.gov; or the Consumer Financial Protection Bureau (CFPB) at 1-855-411-CFPB (2372) or online at www.consumerfinance.gov.
  • If the scammers already have your bank account information, social security number, or other personal information, you may be a victim of identity theft. You can contact your bank and the three major credit bureaus take appropriate precautions. The FTC has information for victims of identity theft online at www.ftc.gov.
  • If you feel you have been the victim of a scam involving the internet you can contact the Internet Crime Complaint Center online at www.ic3.gov.
  • If you feel you have been the victim of a financial scam, and are concerned about your personal financial information, you can contact your banking institution and the three major credit bureaus. Procedures for contacting the credit bureaus are available on the FTC’s website at www.ftc.gov.
  • If you live in another state, go to this webpage to find the regulator in your home state. http://mortgage.nationwidelicensingsystem.org/consumer/Pages/AgencyContacts.aspx.