After finding this forum, I decided to try some of the tools given. I was able to fight with the Tribal Lenders and WIN!!! It took a LOT of research and a LOT of guts, but it worked.
This post is LONG- but it is ALL of the emails back and
PLEASE NOTE- I had already paid the principle amount of this loan, plus A LOT!!! I was under the mindset that A. I took the loan so I have to pay it, period B. My fault. But when I realized that it was illegal, I decided to fight.
ALSO- the FIRST thing I did was to submit a complaint with the Consumer Financial Protection Bureau.