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 4
2019-07-31
SC
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Installment loan
Complaint: I am officially filing a complaint against Enova International , Inc. d/b/a NetCredit. This corporation is a well disguised, predatory payday/installment loan company taking advantage of individuals in dire financial situations. Customers are lured in with the promise of consumers being able to get access to the credit they need. On their website, they claim that we believe everyone deserves access to credit. Yes, they believe this because they then profit on the disgustingly high interest rates they charge. NetCredit claims they believe our customers come first. This is an outright lie. Enova International , Inc. d/b/a NetCredits bottom-line comes first. Its profit margins come first. It has no care for customers or it would not charge the exorbitant interest rates it does. On its website Enova International , Inc. d/b/a NetCredit makes the claim that they are committed to 100 % customer satisfaction yet it has 62 complaints in the XXXX XXXX XXXX database with a 1 out of 5 star rating. The majority of these complaints were closed with the customer rejecting the response. A large number of the complaints center on the outrageous, greedy, predatory interest rates charged. Enova International , Inc. d/b/a NetCredit has 378 complaints filed against them in the Consumer Financial Protection Bureau complaint database. The majority of these complaints were closed with the customer rejecting the response. A large number of the complaints center on the outrageous, greedy, predatory interest rates charged.
On XXXX XX/XX/2017, I took a loan from NetCredit in the amount of {$1200.00}. To date I have made 11 payments at the payment amount of {$100.00} each for a total paid of {$2000.00} plus a check payment of {$100.00} which has not been cashed or applied to my account.
NetCredit states I still have fourteen more payments of {$100.00} each to make. For a {$1200.00} loan, I will end up paying {$3600.00}, more than THREE TIMES the loan amount!!
NetCredit has received its {$1200.00} back PLUS {$830.00} in interest. This is a rate of 69 %!!!!!
The XXXX XXXX XXXX, Federal Trade Commission and Consumer Financial Protection Bureau can not allow this business practice to continue. It is predatory, obscene greed!!! I am making this complaint to appeal to the Better Business Bureau, Federal Trade Commission and Consumer Financial Protection Bureau to do something about these lenders. It is simply inexcusable how they are allowed to operate.
I want my account reported as Closed/Paid in Full/IN GOOD STANDING. Enova International , Inc. d/b/a NetCredit will dispute this complaint as it does with all complaints filed against them. Disputing the facts of the predatory, greedy business practices does not mean that they are not predatory and greedy. The numbers do not lie.
Company Response: Company disputes the facts presented in the complaint Closed with explanation
2019-07-31
SC
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Installment loan
Complaint: I am officially filing a complaint against Enova International , Inc. d/b/a NetCredit. This corporation is a well disguised, predatory payday/installment loan company taking advantage of individuals in dire financial situations. Customers are lured in with the promise of consumers being able to get access to the credit they need. On their website, they claim that we believe everyone deserves access to credit. Yes, they believe this because they then profit on the disgustingly high interest rates they charge. NetCredit claims they believe our customers come first. This is an outright lie. Enova International , Inc. d/b/a NetCredits bottom-line comes first. Its profit margins come first. It has no care for customers or it would not charge the exorbitant interest rates it does. On its website Enova International , Inc. d/b/a NetCredit makes the claim that they are committed to 100 % customer satisfaction yet it has 62 complaints in the XXXX XXXX XXXX database with a 1 out of 5 star rating. The majority of these complaints were closed with the customer rejecting the response. A large number of the complaints center on the outrageous, greedy, predatory interest rates charged. Enova International , Inc. d/b/a NetCredit has 378 complaints filed against them in the Consumer Financial Protection Bureau complaint database. The majority of these complaints were closed with the customer rejecting the response. A large number of the complaints center on the outrageous, greedy, predatory interest rates charged.
On XXXX XX/XX/2017, I took a loan from NetCredit in the amount of {$1200.00}. To date I have made 11 payments at the payment amount of {$100.00} each for a total paid of {$2000.00} plus a check payment of {$100.00} which has not been cashed or applied to my account.
NetCredit states I still have fourteen more payments of {$100.00} each to make. For a {$1200.00} loan, I will end up paying {$3600.00}, more than THREE TIMES the loan amount!!
NetCredit has received its {$1200.00} back PLUS {$830.00} in interest. This is a rate of 69 %!!!!!
The XXXX XXXX XXXX, Federal Trade Commission and Consumer Financial Protection Bureau can not allow this business practice to continue. It is predatory, obscene greed!!! I am making this complaint to appeal to the XXXX XXXX XXXX, Federal Trade Commission and Consumer Financial Protection Bureau to do something about these lenders. It is simply inexcusable how they are allowed to operate.
I want my account reported as Closed/Paid in Full/IN GOOD STANDING. Enova International , Inc. d/b/a NetCredit will dispute this complaint as it does with all complaints filed against them. Disputing the facts of the predatory, greedy business practices does not mean that they are not predatory and greedy. The numbers do not lie.
Company Response: Company disputes the facts presented in the complaint Closed with explanation
2019-07-30
Glenmont, OH
Getting the loan
Payday loan, title loan, or personal loan: Installment loan
Company Response: Closed with explanation
2019-07-29
Coleta, IL
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Personal line of credit
Company Response: Closed with explanation
2019-07-26
Bellaire, TX
Took or threatened to take negative or legal action
Debt collection: I do not know
Threatened to arrest you or take you to jail if you do not pay
Company Response: Company disputes the facts presented in the complaint Closed with explanation
2019-07-17
CA
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Personal line of credit
Complaint: Loan Summary ( Loan # : XXXX ) My account XXXX On XX/XX/XXXX I borrowed {$10000.00} on a personal loan at 34 % interest rate, I was desperate and needed the money. Biweekly payments are {$190.00} or {$380.00} per month. they only do direct debits and debit my checking account every other Friday, so, the date keeps changing, and so does the application of my payment- the amount of interest and principal keeps changing- this does not sound correct, but they tell me its because the dates change for the payments- that's complaint # 1 we need to look into- see my documents attached.
# 2 on XX/XX/XXXX I made large payment of {$4000.00} to reduce my balance and interest, I did it with rep. who charged me to take the payment, he said that the balance, principal and interest would update automatically within 24 hours, they did not, see attached, so I have called them 3-4 times and they said they would send me a corrected payment schedule, but they have not despite my repeated calls and e-mails, this is illegal in the State of CA. Reg. Z demands that principal and interests payments and APR be reflected accurately on any loan. In one e-mail to me they said I had used an e-mail address not on file, so they would only respond to the e-mail address on file, I said fine. then after 2 days I called again and they said they would send it by Monday the XXXX. and on Sat the XXXX. I got another e-mail from them telling me that noting would be forthcoming because I had already spoken to another rep. they are usurious and dis honest and should be penalized. Pls. see attached Documents and e-mails.
Company Response: Closed with explanation
2019-07-16
Mem, TN
Struggling to pay your loan
Payday loan, title loan, or personal loan: Payday loan
Company Response: Company disputes the facts presented in the complaint Closed with explanation
2019-07-10
Dallas, TX
Getting the loan
Payday loan, title loan, or personal loan: Installment loan
Company Response: Closed with explanation
2019-07-08
Seneca, SC
Getting the loan
Payday loan, title loan, or personal loan: Installment loan
Complaint: Netcredit.com would not delete my personal information including name, email address, bank information, etc. The customer service rep said by Federal Law they could not delete my information. I believe that is incorrect. I want all my information deleted from all their records.
Company Response: Closed with explanation
2019-07-08
Alameda, NM
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with explanation
2019-07-06
Long Beach, CA
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Installment loan
Company Response: Closed with explanation
2019-07-02
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Installment loan
Company Response: Company disputes the facts presented in the complaint Closed with explanation
2019-07-02
Norfolk, VA
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt is not yours
Complaint: There is no Good but the Great XXXX ; Creator and Master of All Things! Greetings To You All ... This complaint is a spin-off of another complaint against XXXX XXXX XXXX, XXXX. On or about XX/XX/2019, NetCredit, Inc., was issued a 'Cease and Desist ' Letter for account # XXXX and Social Security TRUST account number XXXX of the amount of {$1600.00}. The chartered-party XXXX XXXX/XXXX XXXX is the copyrighted name of XXXX XXXX XXXX, Estate and the occupant of the estate is XXXX XXXX XXXX : XXXX. This was major mis-communication between XXXX XXXX XXXX, XXXX, and NetCredit, Inc. A check was cashed and deposited at XXXX XXXX XXXX , XXXX, on XX/XX/2019. NetCredit, Inc., claims that the Fictitious entity XXXX XXXX-chartered-party of the United States owes their Organization a Debt ... As the Original Creditor-holder-due-course deny any such debt exists ... XXXX XXXX XXXX : XXXX, as Real Party in, 3rd party interest intervenor under injury, Sole Shareholder in XXXX XXXX XXXX will state for the record and to be placed into the record that NetCredit, Inc., has committed predatory lending practices against the Estate in violation of copyright agreement, instruction into account without consent, phone harassment and falsely claiming to be the Creditor and the FICTION/legal entity XXXX XXXX the debtor ... Secured Party Creditor here in ask the CFPB to instruct NetCredit, Inc., to STOP ALL Communication with our estate and return all funds their agency/agents have collected from estate 's account ... We that NetCredit, Inc., return with interest all XXXX and for damages caused to the injured party, XXXX XXXX, theater of eviction, etc. etc ... Please forward this complaint to NetCredit, Inc., at your earliest convenience ...
Thanks to you all ....
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation
2019-07-02
Magnolia, TX
Received a loan you didn't apply for
Payday loan, title loan, or personal loan: Payday loan
Complaint: On XX/XX/XXXX and XX/XX/XXXX I received three emails claiming the loan I applied for was denied because of my credit, well the thing is I haven't applied for a payday loan with any company in over a year. When I replied to the email the company said if I check my paperwork it will tell me that they are loan provider. I didn't understand because they assume I knew about the loan but that I didn't know it was from them, I further explained I never applied for a loan well on today 's date XX/XX/XXXX at XXXX I received another denial letter about a recent loan. I asked for proof of this loan they claimed I signed and all I received was another email of a recent loan denial.
Company Response: Closed with explanation
2019-07-02
Bakersfield, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I noticed this account on my credit report. It is not mine
Company Response: Closed with explanation
2019-06-29
Main Office, VA
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Payday loan
Complaint: I obtained a XXXX loan in XX/XX/2019. Since XXXX I have had almost XXXX deducted from my bank account and the balance is still over XXXX. Each time I call to get an answer regarding the balance and the terms of the loan I'm told its not a set time limit and to pay it off asap. I asked if this company was licensed in Virginia to do business which is my state of residence and was given an answer that didn't make sense.
Company Response: Company disputes the facts presented in the complaint Closed with explanation
2019-06-28
Bellaire, TX
Problem with additional add-on products or services
Payday loan, title loan, or personal loan: Installment loan
Complaint: My payments are {$180.00} on the XX/XX/XXXX every month this company wont work with me and they want to take a amount of {$370.00} the payment plan was supposed to be {$47.00} they keep changing things I just want to be done
Company Response: Closed with explanation
2019-06-28
La Vernia, TX
Struggling to pay your loan
Payday loan, title loan, or personal loan: Payday loan
Complaint: I applied for a payday loan for the amount of {$850.00} with the agreement to pay back {$1000.00} ( loan + interest ). Refinancing the task and postponing the payment two weeks resulted in a total amount of well over {$2100.00} due. This was XXXX this year and I am still paying it back due to an installment plan I set up over the phone, but the agent I spoke with could not give me a clear reason why I ended up paying almost 3 times the initial loan amount.
Company Response: Company disputes the facts presented in the complaint Closed with explanation
2019-06-24
Springfield, VA
Took or threatened to take negative or legal action
Debt collection: Payday loan debt
Threatened or suggested your credit would be damaged
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation
2019-06-23
Oxford, GA
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Payday loan
Complaint: Contacted NetCredit for XXXX in XX/XX/2018. At the time was never disclosed of interest rate of 59.75. To my surprise I had benn making payment of {$140.00} and noticed loan amount was going up instead of down. They are totally ripping me off. Never told me that they would be debiting my account twice a month. I borrowed {$3100.00} and have paid a {$1000.00} dollars toward account and balance says XXXX. Had I of been told upfront was a payday loan I would of never taken loan. NetCredit took advantage of a XXXX year old woman who supports herself with a 59.75 % interest. Please help.
Company Response: Company disputes the facts presented in the complaint Closed with explanation
2019-06-19
Ladies Island, SC
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: On XX/XX/2019 this company CashnetUSA removed over {$500.00} from my personal bank account. I called my bank to tell them this was a fraud and the bank canceled the transaction. I called this company CashnetUSA to ask them what they were doing and they said they were collecting on a loan. I told them I have no loan with them and asked how they got my personal banking information and they said from an online application. I told them I didn't do that and to stop from emailing me, calling me and trying to collect from me as I have no account with them and never had.
The following month XX/XX/2019, they attempted to debit my account again for over {$500.00} to which my bank stopped that transaction again. I wrote to them to stop this activity and asked them to tell me how they have my personal information and the response I received was ; " If you think this was fraud, file a police report and send us that information '' Seriously? they obtained my information fraudulently, have no methods to stop online hacking or they perhaps have underhanded employees and I'm supposed to go out of my way to substantiate their illicit activities? I think not!
To this day I receive demanding emails and phone calls every single day. I want this company to cease and to advise where they obtained my personal and private information. I have filed complaints against this firm and see attached online comments about them. The internet has pages regarding this company.
XXXX XXXX XXXXs XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with explanation
2019-06-19
TN
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Payday loan
Complaint: Correction in documentation- Yes, i have tried to handle and communicate with company about situation. They will not work with me in any ways and are rude and unprofessional place i have ever been a customer of. On XX/XX/XXXX, I received a loan from Cash Net USA for XXXX. A few months later I got a XXXX and XXXX dollar loan. Equaling XXXX. I was not informed that I would be paying XXXX dollars biweekly. I contacted the business. They did not help any and told me " orry we cant help you. Then they agreed to XXXX dollars every two weeks and did not keep their word. I called today XX/XX/XXXX. Asked how much I had paid so far- XXXX. Asked how much more I owed- XXXX. A total of XXXX for a XXXX dollar loan!!! The lady proceeded to say I was charged XXXX each time even though I did not take out XXXX dollars! They are scammers! and do not care anything about their customers! I am a single mother and their is no way possible way I can afford XXXX every two weeks. I have tried to contact the company on several occasions but no response/or no help what so ever. I am not looking for pity- I am looking for assistance. & making this company understand what a horrible company this is.
Company Response: Company disputes the facts presented in the complaint Closed with explanation
2019-06-16
San Gabriel, CA
Problem when making payments
Payday loan, title loan, or personal loan: Installment loan
Complaint: In XX/XX/XXXX, we were approved and were funded for a loan with NetCredit. In XX/XX/XXXX, we had to close our bank account ( of over 30 years ) because of fraudulent activities ( someone tried to cash checks against our account ). I immediately started reaching out to all direct debit companies ( utilities, insurance, loans, etc. ).
As you will see from attached correspondence, we reached out, followed their instructions, and still received late notifications. Despite my several attempts to have them follow through, these attempts were ignored.
When I try to make payments through the website, I receive a message saying that we are not set up for automatic payments and we are unable to make payments online.
I will be making similar complaints about two other online lenders. This issue may be endemic to online lenders because I did not have funding issues with any other online payment provider.
Despite our repeated efforts to resolve the issue, we are being hit with penalties and late fees, as well as reporting to credit bureaus. I am going to file this complaint with every single source possible and I am hoping you can help.
Company Response: Closed with explanation
2019-06-11
Juniper Hills, CA
Struggling to pay your loan
Payday loan, title loan, or personal loan: Installment loan
Complaint: I took a loan out with Cash Net USA for the amount of XXXX I have been paying on this loan for over a year now so far I have paid more than my loan because of the interest rate. I am seeking counseling because I am at the point where I just want to XXXX XXXX because this is just to much of a hardship for me, I am a single mother of XXXX my youngest was just diagnosed with a XXXX XXXX and with those medical bills and with paying for daycare and other utilities that I need in order for my children to survive. It's really taking a toll on me, I tried contacting CashNet back in XXXX to try to set up payment arrangement and the representative was very rude and all she said was " well I am sorry you are going through a hardship, but you took out a loan and that loan has to be paid no matter your situation '' They are shark loans, take advantage of people in need. I am hoping I can have something resolved.
Company Response: Company disputes the facts presented in the complaint Closed with explanation
2019-06-11
Foothill Ranch, CA
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Installment loan
Complaint: I offered NetCredit a reasonable settlement amount which they dismissed and demand full payment which is completely insane. I had no idea after I paid {$3000.00} on {$3400.00} loan that I would have to pay an additional {$4000.00} to pay it off or continue making the payment and by the time it was paid off I would have paid many thousands of dollars. Here is the latest demand from NetCredit : NetCredit NOTICE OF RIGHT TO CURE DEFAULT XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX, d/b/a NetCredit XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX Email : XXXX Account : XXXX Default Amount : {$1500.00} Cure default before : XX/XX/XXXX Our records show that Loan # : XXXX funded on XX/XX/XXXX in the original amount of {$3400.00} has a default balance of {$1500.00} due to nonpayment of obligations on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX The total default balance includes {$160.00} in principal, {$1300.00} in interest and {$75.00} in late fee charges.
If you do not cure the default amount before XX/XX/XXXX, then your entire outstanding balance may be accelerated and become immediately due and payable without further notice, demand, or right to cure. We may exercise our rights under the law including : ( 1 ) pursuing collections through a third party collections agency If you are late again in making your payments, we may exercise our rights without sending you another notice like this one.
Remember that we report payment activity to major credit bureaus, and late payments could hurt your credit score or damage your credit health. For this reason, it is crucial to resolve your past due balance as soon as possible.
Please send all payments to NetCredit. You can sign in at www.netcredit.com to setup a payment online or call us at ( XXXX ) XXXX to speak to a representative about payment options. You may also mail payment to us at our address below. Our Collections Team is available Monday - Friday, XXXX - XXXX CT and Saturday, XXXX - XXXX CT.
Sincerely, The NetCredit Collections Team XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX Phone : ( XXXX ) XXXX Email : XXXX Fax : ( XXXX ) XXXX XXXX To ensure delivery of important updates from NetCredit please take a moment to add XXXX to your email address book.
You can disregard this letter if you already made payment arrangements for the entire amount due ; or you filed for bankruptcy and received a discharge. Pursuant to applicable state law, this letter affords the consumer an opportunity to cure his or her default before the creditor will exercise its rights.
XXXX Terms and Conditions Apply *** -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- THIS COMMUNICATION IS FROM A DEBT COLLECTOR AND IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- For California Customers : The state Rosenthal Fair Debt Collection Practices Act and Federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8am or after 9pm. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov.
Help. Help. Help. Please tell these people to stop these insane demands and take a reasonable offer to settle this debt.
XXXX XXXX XXXX
Company Response: Company disputes the facts presented in the complaint Closed with explanation