Alert updated: September 25, 2013
Originally posted: June 28, 2012
The Washington State Department of Financial Institutions (DFI) has received complaints against La Posta Tribal Lending Enterprise d/b/a Gentle Breeze Online. It appears that this entity is operating as a tribal online payday lender. This company has stated that they are an entity wholly owned by the La Posta Band of Mission Indians and has sovereign immunity.
La Posta Tribal Lending Enterprise d/b/a Gentle Breeze Online is not licensed by 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.
La Posta Tribal Lending Enterprise d/b/a Gentle Breeze Online operates a website at www.GentleBreezeOnline.com; lists its phone number as 888-645-4171 and email address as CustomerService@GentleBreezeOnline.com.
File a Complaint
If you have a complaint against La Posta Tribal Lending Enterprise you can mail it to:
La Posta Tribal Lending Enterprise d/b/a Gentle Breeze Online
Attn: Javaughn Miller, Tribal Administrator
8 Crestwood Road #1
Boulevard, CA 91905
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.
Payday Loan 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' 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.