BBB Business Review

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This business is not BBB accredited.

Harvest Moon Loans

Phone: (888) 797-6064 Fax: (888) 570-8777 8 Crestwood Rd #1, Boulevard, CA 91905 ! There is an alert on Harvest Moon Loans !

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This company offers loan option services.

BBB Accreditation

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that lowered the rating for Harvest Moon Loans include:

  • 38 complaint(s) filed against business
  • Failure to respond to 29 complaint(s) filed against business
  • Business has failed to resolve underlying cause(s) of a pattern of complaints

Factors that raised the rating for Harvest Moon Loans include:

  • Length of time business has been operating
  • Resolution of complaint(s) filed against business

Customer Complaints Summary Read complaint details

38 complaints closed with BBB in last 3 years | 18 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 1
Billing/Collection Issues 30
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 7
Total Closed Complaints 38

Additional Complaint Information

This company has a pattern of complaints concerning the following: Consumer complaints allege deceptive loan practices. Several complaints allege the company is charging more money and additional fees than the amount that was originally discussed during the financing of their loans. Several of those consumers allege difficulty obtaining an account balance or speaking with a live person in customer service. Most complaints brought to the company’s attention, by the BBB, have gone unanswered. The BBB attempted to contact the company regarding this pattern but the company did not respond.

Customer Reviews Summary Read customer reviews

6 Customer Reviews on Harvest Moon Loans
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 6
Total Customer Reviews 6

Additional Information

BBB file opened: May 30, 2013 Business started: 10/06/2011 in CA
Type of Entity

Sole Proprietorship

Business Management
Mr. Javaughn Miller, Tribal Administrator
Contact Information
Principal: Mr. Javaughn Miller, Tribal Administrator
Related Businesses
Gentle Breeze Online
Number of Employees


Business Category

Payday Loans

Referral Assistance

The following Government Agency(s) or Association(s) may be able to provide you additional information:

Federal Trade Commission 600 Pennsylvanis Avenue, NW, Washington DC 20580

Department of Business Oversight (DBO) 7575 Metropolitan Dr #108, San Diego CA 92108 Phone Number: (866) 275-2677 Fax Number: (619) 682-7217

Additional Information

The BBB received returned mail from the company's address. The BBB called the company on June 11, 2013 to get a valid mailing address and the representative on the phone said she has no idea where the company is located, she just works in a call center. The BBB is unable to locate the business, therefore consumers should use extreme caution when doing business.

On 9/25/13 and 10/2/13, the BBB contacted this company regarding: unanswered complaints, a possible pattern of complaints related to not responding to consumers and poor customer service, verification of principal stakeholder or owner of the business, exact location of the business licensing and connection to Tribal Lending Enterprise. This business has since failed to respond to BBB.


According to the Department of Business Oversight, payday lenders that are part of Indian tribes that are considered "sovereign" nations do not require the typical licensing from the department. Complaints for payday lenders not licensed by the Department of Business oversight can be accepted instead by the Federal Trade Commission.

Industry Tips
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BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.