ENOVA INTERNATIONAL, INC

Consumer Complaints

There are over 1679 complaints on file for ENOVA INTERNATIONAL, INC. Dated between 2019-12-05 and 2013-09-26.

Complaints Page 2

2019-10-26

Knoxville, TN

Struggling to pay your loan

Payday loan, title loan, or personal loan: Installment loan


Company Response: Closed with explanation

Timely Response

2019-10-25

Oxford, GA

Problem with the payoff process at the end of the loan

Payday loan, title loan, or personal loan: Payday loan


Company Response: Closed with explanation

Timely Response

2019-10-24

WI

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Personal line of credit


Complaint: I originally got a XXXX line of credit thru cash net usa I borrowed XXXX from that line of credit I have paid back XXXX as of today XX/XX/2019. They still show I owe them XXXX. When I called them to ask where all the other money I have paid is at cause it's not reflected in my balance they told me XXXX of my payment of XXXX was interest. No place when I took out my line of credit on my phone told me the interest rate. I subsequently revoked my authorization for ach payments from my checking account. I feel this is a insane price to help someone who needed it. I will never use them again or suggest them to anyone else.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-10-23

Cedar Grove, LA

Problem with fraud alerts or security freezes

Payday loan, title loan, or personal loan: Personal line of credit


Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-22

Vab, VA

Problem with additional add-on products or services

Payday loan, title loan, or personal loan: Personal line of credit


Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-10-22

SC

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Personal line of credit


Complaint: I took a loan out on XX/XX/19 for {$1500.00}. While the high interest was disclosed, there was no amortization schedule to show how the loan was to be repaid, the amount of each payment, or the total that would be paid including interest if the loan was paid as scheduled. I tried to take a lesser amount than the offered {$1500.00}, but their system automatically sent {$1500.00}, even though I had only asked for {$800.00}. The bi-weekly payments are criminally large and set up in such a way as to try to get borrowers to take another draw and end up in a cycle of borrowing/constant repayment. As of XX/XX/19, I have paid approximately {$1000.00}, and I still owe {$1500.00}. I would not have taken this loan had everything been laid out clearly, so I could easily see how long it would take to repay and what my bi-weekly payment amounts ( which are not the same every time ) would be.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-10-22

Bakersfield, CA

Problem with a credit reporting company's investigation into an existing problem

Credit card or prepaid card: General-purpose credit card or charge card

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-10-18

Concord, VA

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Payday loan


Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-10-17

Charlottesville, VA

Struggling to pay your loan

Payday loan, title loan, or personal loan: Installment loan


Company Response: Closed with explanation

Timely Response

2019-10-16

Memphis, TN

Struggling to pay your loan

Payday loan, title loan, or personal loan: Personal line of credit


Complaint: I took out a line of credit and now because of the intrest its too much to pay back
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-10-15

Las Cruces, NM

Can't contact lender or servicer

Payday loan, title loan, or personal loan: Payday loan


Company Response: Closed with explanation

Timely Response

2019-10-15

Decatur, AL

Problem when making payments

Payday loan, title loan, or personal loan: Personal line of credit


Company Response: Closed with explanation

Timely Response

2019-10-14

Long Beach, CA

Struggling to pay your loan

Payday loan, title loan, or personal loan: Installment loan


Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-10-11

Fargo, ND

Credit limit changed

Payday loan, title loan, or personal loan: Personal line of credit


Company Response: Closed with explanation

Timely Response

2019-10-09

VA

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Installment loan


Complaint: I simply placed an inquiry on line to be " preapproved '' for a loan amount and was then asked to " verify '' my information. The verification of my information was then taken by the company as a signature for the loan repayment. I never saw the terms of the loan, the APR percentage was only revealed after I verified my identity. Nowhere on that verification did it say that I was agreeing to the loan or the terms. The APR was then revealed to be 148 % of the original loan amount. When i attempted to return the money to the lendor, they stated that they could not take the money back but that I had agreed to pay it over the length of the term. Fraudulent and predatory practices!!!
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-10-06

LA

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Personal line of credit


Complaint: Started with payday loan where you could pay minimum each month and part of payment was applied to fees/interest and the rest to the principal. Cashnet USA notified me they had a new program of a Line of Credit " LOC So I signed up for it approx XXXX or XX/XX/2019 with a initial amount of {$600.00}. On XX/XX/2019, Cashnet automatically withdrew their " minimum '' payment of XXXX and applied it to the loan. Upon checking days later, I saw they did not apply any of that amount to principal all just in fees and interest and now have raised the minimum by almost {$100.00} dollars to {$210.00}. Also of note, I did not see until they sent me the " statement '' days later they had set their " interest '' on the loan at {$130.00}. So the obvious can be seen that they make sure the hidden interest is above the minimum payment so they can take all of your payment without applying any to principal and you never pay the loan off just get deeper in debt until you can't pay it off and then having received a large amount of funds from you they can sue and get an even larger amount with attorney 's fees. I am a paralegal and notary and have seen this type of onerous usury before. I know they must apply at least a minimum to principal and nowhere on their site did they inform the customer that your payment to XXXX " minimum payment '' will not be applied to any principal. I contacted them and they simply offered no explanation or assistance. They called me and the " base level '' customer service clerk just rattled on and on and asked me if I understand. I told them I basically heard what they said. They made no effort to adjust their policy and did not apply any of the first payment to principal. They also said they are charging interest on a daily basis. They also do not provide you notice of what your payment pays before they withdraw it from the bank so you do not know what you owe until after they take money. And after that, you still don't know what you owe, where it will be placed. They said that first payment was {$90.00} for fees but never said WHAT fees. When you asked them questions, they just rattle a plethora of numbers with no meaning but never change a thing. This is a financial black whole. I will continue to file complaints until this company acts financially responsible. I WILL ALSO NEVER USE AND WILL ENCOURAGE everyone I know to never use CashNet USA 's products because they are financially irresponsible and their avarice is unacceptible in America.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-10-05

Grassy, MO

Problem with the payoff process at the end of the loan

Payday loan, title loan, or personal loan: Personal line of credit


Complaint: I have called and called and called. I ask for a supervisor they always say theres not one available. Ive tried to pay payments!! The amount of interest they charge is unreal. The amount never changes. I had to take another XXXX out to just survive!!! The fees go up every period!!! by next period I owe more in interest than I paid last period
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-10-02

Occoquan, VA

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Installment loan


Complaint: In XX/XX/XXXX, I got a loan in the amount of {$2100.00}. It is now XX/XX/XXXX and decided to login into my account to see how much principal was left on the loan and its {$2100.00}. Only {$57.00} paid to principal in the last year. Ive made all my payments on time, {$58.00} every 2 weeks. Something can not be right with this loan. I feel as though Ive been getting robbed for the past year. I do not understand. My fianc has a loan with NetCredit as well within the same timeframe. In XX/XX/XXXX, loan amount {$3000.00}, now in XX/XX/XXXX, principal is only down to {$2900.00}. Her payments are {$78.00} every 2 weeks, never missed a payment. Please help!
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-09-30

Weston, ID

Communication tactics

Debt collection: Payday loan debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-09-30

Weston, ID

Communication tactics

Debt collection: Payday loan debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-09-27

Camdenton, MO

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Payday loan


Company Response: Closed with explanation

Timely Response

2019-09-26

GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: These accounts were found on my report after checking it after a couple of years and are fraudulent accounts. 01 NETCREDIT XXXX XX/XX/2017 2017
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Timely Response

2019-09-25

Received a loan you didn't apply for

Payday loan, title loan, or personal loan: Payday loan


Company Response: Closed with explanation

Timely Response

2019-09-25

Gardnerville, NV

Can't stop withdrawals from your bank account

Payday loan, title loan, or personal loan: Payday loan


Complaint: I borrowed {$500.00} from CashNet USA. I was to have paid {$120.00} to extend the loan. However, I wanted to workout another payment arrangement using XXXX XXXX XXXX. I sent CashNet USA a Letter of Revocation stating that the {$120.00} debit should not be made. CashNet USA acknowledged receiving the letter, but said that they did not abide by the letter because no payment arrangement had been made. On XX/XX/2019, CashNet USA debited {$120.00} from my account which is against the law.
Company Response: Closed with explanation

Timely Response

2019-09-24

Driver, VA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Timely Response


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