Business ProfileforGentle Breeze Online

BBB files indicate that this business has a pattern of complaints concerning consumers indicating they experience issues involving their contract, billing and fees that are not disclosed. Consumers also allege the following issues:

             ·  Interest rate on contract is different than the one being charged on the loan

·  Being charged payments for loan that is thought to be paid off

·  Given an option to extend the loan for a fee but fee is not applied towards principal. Consumers then state payment is not counted towards loan

·  Being denied loans but receiving the loan regardless as well as being approved loans and not receiving the loan

On 11/12/2019, BBB submitted a written request to the company encouraging them to address the pattern of complaints. As of 01/10/2019, BBB has had no response.  

Federal Trade Commission v La Posta Tribal Lending Enterprise dba Gentle Breeze Online
The following describes a pending government action that has been formally brought by a government agency but has not yet been resolved. We are providing a summary of the governments allegations, which have not yet been proven.

On January 27, 2021, The Federal Trade Commission filed a Stipulation to Enter Order for Permanent Injunction and Monetary Judgement against La Posta Tribal Lending Enterprise dba Gentle Breeze Online. Charges filed allege the business is in violation of federal law prohibiting failing to make required loan disclosures, making recurring withdrawals from consumers' bank accounts without proper authorization, and illegally using remotely created checks. The business used deceptive marketing tactics to convince consumers that their loans would be repaid in a fixed number of payments. In fact, in many instances, the FTC alleges, consumers found that long after the promised number of payments had been made, the defendants had applied their funds to finance charges only and were continuing to make regular finance-charge only withdrawals from their checking accounts. Under terms of the settlement, the business will be permanently prohibited from making loans or extending credit of any kind. The settlement includes a monetary judgment of $114.3 million, which is partially suspended based on an inability to pay. The defendants will be required to turn over all corporate assets and almost all domestic personal assets along with a number of vehicles to a receiver. The receiver will wind down and liquidate the business and provide all proceeds to the FTC.

The matter is pending.