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Last Updated
Case Status
Pending
Federal Trade Commission, Plaintiff v. Lead Express, Inc. a Nevada corporation; Camel Coins, Inc., a Nevada corporation; Sea Mirror, Inc., a Nevada corporation; Naito Corp., a Nevada corporation; Kotobuki Marketing, Inc., a Nevada corporation; Ebisu Marketing, Inc., a California corproation; Hotei Marketing, Inc., a California corporation; Daikoku Marketing, Inc., a California corporation; La Posta Tribal Lending, Enterprise, a tribal lending enterprise, also d/b/a Harvest Moon Financial, Gentle Breeze Online, and Green Stream Lending; Takehisa Naito, in his individual and corporate capacity; and Keishi Ikeda, in his individual and corporate capacity, Defendants.
FTC Matter/File Number
192 3208
Civil Action Number
2:20-cv-00840-JAD-NJK
Enforcement Type
Federal Injunctions
Federal Court
District of Nevada

Case Summary

The owners and operators of a vast payday lending scheme that overcharged consumers millions of dollars will be permanently banned from the lending industry under the terms of a settlement with the Federal Trade Commission. The settlement also provides that nearly all outstanding debt—made up entirely of illegal finance charges—held by the company will be deemed as paid in full.

The FTC charged the enterprise with deceptively overcharging consumers millions of dollars and withdrawing money repeatedly from consumers’ bank accounts without their permission.

The Federal Trade Commission is sending 26,698 checks totaling more than $970,000 to consumers who were harmed by a deceptive payday lending scheme that operated under the names Harvest Moon Financial, Gentle Breeze Online, and Green Stream Lending.

Case Timeline

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