Originally posted: December 18, 2014
Updated: April 27, 2016

The Washington State Department of Financial Institutions (DFI) has received complaints against Harvest Moon Loans. It appears that Harvest Moon Loans is operating as a tribal online payday lender. Harvest Moon Loans claims to be owned by the La Posta Band of Mission Indians, a federally recognized Indian Tribe.

Harvest Moon Loans is not licensed by the Washington State Department of Financial Institutions. Harvest Moon Loans is not registered to conduct business in Washington State by the Department of Licensing, the Department of Revenue, or the Secretary of State.

Harvest Moon Loans operates a website at harvestmoonloans.com. It lists its contact information as follows:

Address: 8 Crestwood Rd.
Boulevard, CA 91905

Phone: 888-570-6064
Fax: 888-570-8777
E-mail: customerservice@harvestmoonloans.com

Complaints against Harvest Moon Loans may be sent to:

La Posta Band of Mission Indians
Lending Regulatory Commission
8 Crestwood Rd.
Boulevard, CA 91905

BE ADVISED, “Harvest Moon Loans” SHOULD NOT BE CONFUSED WITH THE FOLLOWING LEGITIMATE LICENSED OR FORMERLY LICENSED COMPANIES THROUGH THE SECRETARY OF STATE, DEPARTMENT OF REVENUE, AND DEPARTMENT OF REVENUE BUSINESS LICENSE SERVICES, IN WASHINGTON STATE:

• HARVEST MOON AGRICULTURE LLC
• HARVEST MOON ANESTHESIA, PLLC
• HARVEST MOON BREWING LLP
• HARVEST MOON CATERING, LLC
• HARVEST MOON CONSTRUCTION, INC.
• HARVEST MOON CONSULTING, LLC
• HARVEST MOON ENTERPRISES LLC
• HARVEST MOON FARMS, LLC
• HARVEST MOON FARM
• HARVEST MOON FARM
• HARVEST MOON FINANCIAL LLC
• HARVEST MOON GEMS, LLC
• HARVEST MOON GUITARS
• HARVEST MOON HOMEOWNERS ASSOCIATION
• HARVEST MOON I, LLC
• HARVEST MOON INC
• HARVEST MOON INTERIORS LLC
• HARVEST MOON INTERNATIONAL LLC
• HARVEST MOON INVESTMENTS II LLP
• HARVEST MOON INVESTMENTS, INC.
• HARVEST MOON MAPLES, LLC
• HARVEST MOON PARTNERS, LLC
• HARVEST MOON PUB LLC
• HARVEST MOON REAL ESTATE LLC
• HARVEST MOON TAVERN, LLC
• HARVEST MOON VENTURES LLC
• HARVEST MOON, INC.
• HARVEST MOONLIGHT LLC
• MOON HARVEST COMPANY, L.L.C.
• MOON HARVEST PACIFIC, LLC

Washington residents are advised that state law (RCW 31.45.105(1)(d) and (3)) provides that a small loan made by an unlicensed entity to a person physically located in Washington is uncollectible and unenforceable in Washington State.

Further, if an unlicensed organization attempts to collect a debt by threatening wage garnishment, criminal penalty, or other legal action, please contact the Federal Trade Commission at the contact information listed below

Verify Licenses

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 atwww.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 382-4357 (1-877-FTC HELP), or online at www.ftc.gov(link is external).

Report Fraud

If you are suspicious of unlicensed activity by a payday lender please contact the DFI at 1-877-RING-DFI (746-4334), or online atwww.dfi.wa.gov.

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 http://www.ftc.gov or contact the Consumer Financial Protection Bureau (855) 411-CFPB (2372), or online atwww.consumerfinance.gov(link is external).

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(link is external).