American Web Loan Collections Complaints?

We help consumers who have complaints about collection harassment.

Updated on Author: Sergei Lemberg

Updated on Author: Sergei Lemberg

American Web Loan

American Web Loan is a debt collection firm which appears to have received a large amount of complaints alleging violations of the Fair Debt Collection Practices Act. Find out who they are, why they might be calling, and how you can stop them.

What is American Web Loan?

American Web Loan is a debt collection business based in Stillwater, Oklahoma. It appears as though there are a variety of different complaints against American Web Loan alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as attempting to collect on unverified debt ans not verifying debtors of the accurate amount of debt owed. If you have been contacted by this debt collector, make sure you understand your rights before taking action.

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Is American Web Loan a scam?

They’re legit. American Web Loan has been in the collections business for 11 years. The business was started on February 10th, 2010 and the collection company’s BBB profile was opened on March 12th, 2019. However, even without accreditation American Web Loan has received an average “B” rating from the BBB. Due to the company’s years in service and its rating from the BBB, it is clear that this company is not scamming consumers. However, while it is important that you do not ignore the need to resolve your alleged debt with American Web Loan, as this could potentially harm your credit and ability to take out future loans, be wary of any suspicious activity where the company could potentially be violating the FDCPA. With that being said, remember that the debt which you may have been contacted about is real, and needs to be dealt with.

Lastly, American Web Loan writes on its website that, “American Web Loan is an internet lending solutions company owned and operated by the Otoe-Missouria Tribe of Indians (“Tribe”). The Tribe has lived in the Missouri River Valley since the 1600’s and was the first tribe to meet with Lewis and Clark in 1804.” The collections company also has a variety of affiliations, which include Online Lenders Alliance and the Native American Financial Services Association. According to the company has an employee base of 73 and an annual revenue of $15 million. There is no information currently available on the leadership of the company.

Who does American Web Loan collect for?

American Web Loan is a “lending solutions” company, which means that the company personally loans funds to consumers. When payments are not kept up with, this is where the collections aspect of American Web Loan comes in. There is no specific type of loan that American Web Loan collects on. In fact, their testimonials list clients who utilize loans for car issues, medical bills, and home emergencies. Therefore, because American Web Loan collects on a variety of different loans it is very important that as a consumer you confirm with the collections company about what debt is specifically owed and to whom. Inquiring as soon as possible is the smartest move to make, and if you feel as though this company has breached their FDCPA rights be sure to contact an attorney to help you file a lawsuit.

Who are we? We are Lemberg Law, a Consumer Law Firm

Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today!  There is no charge unless we win.

How many complaints are there against American Web Loan?

There are many reviews and complaints currently posted about American Web Loan across the internet. On the BBB, American Web Loan has received 319 complaints closed in the last 3 years and 53 complaints closed in the last 12 months. There were additionally 43 consumer reviews posted about American Web Loan on the BBB, which awarded the company an underwhelming 1.26/5 stars. For many of these complaints, American Web Loan has spent time formulating responses. With that being said, the frequency of said complaints and the similarity between issues still awards American Web Loan a less than glowing review.

In addition to theses reviews and complaints on the BBB, American Web Loan has also received 51 reviews on WalletHub amounting to a 1.2 star review. The collections company could have also been a part of more lawsuits, sanctions, and penalties. Take a look at the  Public Access to Court Electronic Records (“PACER”) which reports all federal complaints within the U.S. federal system’s docket to find out.

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Can American Web Loan Sue Me or Garnish My Wages?

Remember that it is illegal for American Web Loan to make empty threats to sue you or garnish your wages. A collections company will likely choose not to sue if they cannot verify your debt or you may not owe said debt. However, these companies can still summon debtors to court and garnish wages after a default judgement. If you find that American Web Loan may have violated the FDCPA, the wisest course of action would be to hire legal aid. Contact an attorney preemptively to ensure the safety of your assets and rights. Lemberg Law has helped thousands of consumers fight back against these cases of fraudulent collection practices. Call us today to find out how we can help you resolve this issue.

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Unlawful Debt Harassment? Learn the Law & Sue the Collector.

Can you help me file a No Fee Lawsuit against American Web Loan?

Absolutely. You can sue a debt collector. Here is a sample complaint:

A complainant claims that American Web Loan opened a loan under their name, “without consent or authorization”. The complainant explains that they never applied for a loan from this lender company. The complainant would like to know how this company gained access to their financial accounts and deposited $300 into a savings account that is currently not in use. It was after the complainant discovered this discrepancy that they proceeded to call the lender company, American Web Loan to demand that they take the funds back and close the account. The company refused to do so, demanding that the complainant pay $339 instead. The complainant explains that, “They fraudulently opened this loan and deposited that money”. There should be a consensual part of this transaction, as the complainant never chose to take out this loan.

American Web Loan Calling You?

The Fair Debt Collection Practices Act protects citizens like you against the abuses and misconduct of collection agencies. If you find that you have become a victim of illegal collections practices, read up on your FDCPA rights listed on the Federal Trade Commission’s website under, “Debt Collection FAQs”. Do not forget that you also have additional rights other than those listed under the FDCPA. These supplementary rights include those enumerated in the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).

Can I sue American Web Loan for harassment?

Yes you are able to sue American Web Loan and if you feel as though your FDCPA rights have been breached, suing is the best course of resolution. In order to recover your damages and protect yourself as an individual, you should sue and utilize the Federal laws that protect citizens like you from these fraudulent practices. Award yourself the power to defend your rights and protect your assets. Individuals like you can recover damages of up to $1,000, plus attorney fees and court costs.

Want to Stop American Web Loan Debt Collection Harassment Now?

You may have a case, if…

  • You are receiving multiple calls per week from third party collection agencies.
  • You are receiving early morning or late night calls from debt collectors
  • You are receiving calls at work from a debt collection agency
  • Debt collectors are calling your family, friends, neighbors, or coworkers
  • Collectors are threatening you with violence, lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • You are being threatened with negative credit reporting
  • A debt collector attempts to intimidate you
  • Criminal accusations are being made towards you
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

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Can You Help Me Delete American Web Loan from My Credit Report?

Yes, we love to assist you with your case. Call us today.

Share your story

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

Sergei Lemberg

About the Author:

Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."

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  • Felecia h

    I am getting text messages stating they are sending my loan to a collection agency and I as well am part of the class action suit and just wondering what I need to do before it gets worse.

  • AP

    I received a American Web loan on April 22, 2023 in the amount of $500 I made 10 payments of $77.86 then in addition to that I paid $459.41 to pay off the loan in full but that wasn’t the end I received another email saying I was missing a payment and I had to pay an additional $82.66 to finally close the account. In total I spent $1,320.67 please be careful when taking a loan from them.

  • Katie

    I was also a part of the class a lawsuit in which they were ordered to cancel my debt. They are no longer on my credit report, but now some other company is calling and saying he is not a collection agency but rather this is headed to litigation if I don’t pay it now. How is this possible? I thought this debt was cancelled several years ago. I even received a notice ID about the settlement.

  • Albert H

    I paid off an American Web loan through RCS collection agency on 3/1/21. I was never informed of a class action suit. When I paid it off, RCS told me the creditor was taking back their accounts and another collection agency was taking over. I have the letter showing it was paid. Almost immediately I began receiving harassing calls from another agency. Since then my wife and I continue to get phone calls from another agency who has also contacted my previous employer. I have provided them copies of the letter showing it was paid but they continue to call regularly.

  • Aaron S

    I was part of a class-action suit and they are still harassing me.

  • D P

    My loan amount was for $2000. I now have read the fine print and see that my finance fees are for 532% ultimately paying them 9000.00 for a 2000.00 loan. Do I have any recourse, I have paid them so far 6025.76. Is there any way to get out of this loan?

  • Kermit

    I received 2000.00 loan and they now have taken 4250.00from my account and told me the balance is still 4580.64

  • Duane D

    I received an American Web loan on 9/8/2020 in the amount of $1,400 I’ve made 20 installments of 270.99 I’ve sent them 5,4 15.80 and they claim I still owe 905 ridiculous

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