Affordable Loan Services
Unlicensed Payday Loans
August 15, 2014
The Washington State Department of Financial Institutions (DFI) has received a complaint against Affordable Loan Services [www.affordableloanservices.com]. It appears that Affordable Loan Services is operating as a tribal online payday lender. Affordable Loan Services claims to be owned by Guidiville Band of Pomo Indians, a federally recognized Indian Tribe exercising its sovereign immunity subject to regulation by the United States Government.
Affordable Loan Services 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.
Affordable Loan Services operates a website at affordableloanservices.com and lists its phone number as 800-697-5112.
Verify License
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
Collection activities are subject to the federal Fair Debt Collection Practices Act. Therefore, if you have questions regarding debt collection laws please contact the Federal Trade Commission at 1-877-FTC HELP, or online at www.ftc.gov.
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.
Report Fraud
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.
scamFRAUDalert™ Report 
Address lookup
canonical name http://www.affordableloanservices.com.
aliases
addresses 198.58.118.233
Domain Whois record
Queried whois.internic.net with “dom affordableloanservices.com”…
Domain Name: AFFORDABLELOANSERVICES.COM
Registrar: GODADDY.COM, LLC
Whois Server: whois.godaddy.com
Referral URL: http://registrar.godaddy.com
Name Server: NS-1254.AWSDNS-28.ORG
Name Server: NS-509.AWSDNS-63.COM
Name Server: NS-564.AWSDNS-06.NET
Status: clientDeleteProhibited
Status: clientRenewProhibited
Status: clientTransferProhibited
Status: clientUpdateProhibited
Updated Date: 25-jun-2014
Creation Date: 06-nov-2012
Expiration Date: 06-nov-2016
>>> Last update of whois database: Thu, 28 Aug 2014 18:09:12 UTC <<<
Queried whois.godaddy.com with "affordableloanservices.com"…
Domain Name: AFFORDABLELOANSERVICES.COM
Registry Domain ID: 1757473356_DOMAIN_COM-VRSN
Registrar WHOIS Server: whois.godaddy.com
Registrar URL: http://www.godaddy.com
Update Date: 2014-06-25 11:42:05
Creation Date: 2012-11-06 11:51:02
Registrar Registration Expiration Date: 2016-11-06 11:51:02
Registrar: GoDaddy.com, LLC
Registrar IANA ID: 146
Registrar Abuse Contact Email: abuse@godaddy.com
Registrar Abuse Contact Phone: +1.480-624-2505
Domain Status: clientTransferProhibited
Domain Status: clientUpdateProhibited
Domain Status: clientRenewProhibited
Domain Status: clientDeleteProhibited
Registry Registrant ID:
Registrant Name: Registration Private
Registrant Organization: Domains By Proxy, LLC
Registrant Street: DomainsByProxy.com
Registrant Street: 14747 N Northsight Blvd Suite 111, PMB 309
Registrant City: Scottsdale
Registrant State/Province: Arizona
Registrant Postal Code: 85260
Registrant Country: United States
Registrant Phone: +1.4806242599
Registrant Phone Ext:
Registrant Fax: +1.4806242598
Registrant Fax Ext:
Registrant Email: AFFORDABLELOANSERVICES.COM@domainsbyproxy.com
Registry Admin ID:
Admin Name: Registration Private
Admin Organization: Domains By Proxy, LLC
Admin Street: DomainsByProxy.com
Admin Street: 14747 N Northsight Blvd Suite 111, PMB 309
Admin City: Scottsdale
Admin State/Province: Arizona
Admin Postal Code: 85260
Admin Country: United States
Admin Phone: +1.4806242599
Admin Phone Ext:
Admin Fax: +1.4806242598
Admin Fax Ext:
Admin Email: AFFORDABLELOANSERVICES.COM@domainsbyproxy.com
Registry Tech ID:
Tech Name: Registration Private
Tech Organization: Domains By Proxy, LLC
Tech Street: DomainsByProxy.com
Tech Street: 14747 N Northsight Blvd Suite 111, PMB 309
Tech City: Scottsdale
Tech State/Province: Arizona
Tech Postal Code: 85260
Tech Country: United States
Tech Phone: +1.4806242599
Tech Phone Ext:
Tech Fax: +1.4806242598
Tech Fax Ext:
Tech Email: AFFORDABLELOANSERVICES.COM@domainsbyproxy.com
Name Server: NS-564.AWSDNS-06.NET
Name Server: NS-1254.AWSDNS-28.ORG
Name Server: NS-509.AWSDNS-63.COM
DNSSEC: unsigned
URL of the ICANN WHOIS Data Problem Reporting System: http://wdprs.internic.net/
Last update of WHOIS database: 2014-08-28T18:00:00Z
****************************************************
See Business Registration Listing
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Copy and paste the link below to view additional details:
http://who.godaddy.com/whoischeck.aspx?domain=AFFORDABLELOANSERVICES.COM
Network Whois record
Queried whois.arin.net with "n 198.58.118.233"…
NetRange: 198.58.96.0 – 198.58.127.255
CIDR: 198.58.96.0/19
OriginAS:
NetName: LINODE-US
NetHandle: NET-198-58-96-0-1
Parent: NET-198-0-0-0-0
NetType: Direct Allocation
RegDate: 2012-08-10
Updated: 2012-08-10
Ref: http://whois.arin.net/rest/net/NET-198-58-96-0-1
OrgName: Linode
OrgId: LINOD
Address: 329 E. Jimmie Leeds Road
Address: Suite A
City: Galloway
StateProv: NJ
PostalCode: 08205
Country: US
RegDate: 2008-04-24
Updated: 2014-08-01
Comment: http://www.linode.com
Ref: http://whois.arin.net/rest/org/LINOD
OrgNOCHandle: LNO21-ARIN
OrgNOCName: Linode Network Operations
OrgNOCPhone: +1-609-380-7100
OrgNOCEmail: support@linode.com
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OrgTechHandle: LNO21-ARIN
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OrgTechEmail: support@linode.com
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OrgAbuseHandle: LAS12-ARIN
OrgAbuseName: Linode Abuse Support
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