ENOVA INTERNATIONAL, INC

2019-04-25

Detroit, MI

Received a loan you didn't apply for

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

Complaint: I recieved a email stating my loan was approved. I never applied for this loan I called them .they informed me to make a police report I did. they sent information to my email had all my information my old job number as well as my old account that was shut down over 10 years ago.
Company Response: Closed with explanation

Timely Response

2019-04-19

Encino, CA

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

Timely Response

2019-04-19

OH

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: I went through a payday company called XXXX XXXX XXXX which is now defunct by the Federal Trade Commission. I received my letter from said company stating I successfully completed the program. I applied for a loan and was denied because I had a payday loan company that is now showing up on my credit report as not being paid that was including in my XXXX program. I don't know what to do this loan is over XXXX XXXX XXXX I do believe. It is Cashnet USA or XXXX. I did receive a phone call from them when I finished the payday program and I explained to them about the program and gave them the information to contact them because they said they were not notified by them. I have sent gotten rid of all my documentation except the letter provided below. How or can I get them to take the debt off my credit report? If not how long can a payday company keep said debt on your record, considering I paid a company to make payments to them. Thank you
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-04-18

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

Timely Response

2019-04-18

Milwaukee, WI

Communication tactics

Debt collection: Payday loan debt

You told them to stop contacting you, but they keep trying
Complaint: I emailed this company directly on XX/XX/2019 and I already told this company they may not call me or attempt to call me at my work number, yet they did just that on XX/XX/2019 at approximately XXXX a.m.
Company Response: Closed with explanation

Timely Response

2019-04-17

TX

Can't stop withdrawals from your bank account

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

Complaint: I asked them to stop Ach from my account. They are costing me Nsf charges I can't pay. They refuse to stop. There is no way to stop Ach in contract. By law that makes the contract void. There has to be a way to stop it.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-04-15

Discovery Bay, CA

Charged fees or interest you didn't expect

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

Complaint: I took out a loan with XXXX not knowing the interest being charged on the loan. I took out a loan for {$3000.00}, i have made 9 payments of {$390.00}, a total of {$3500.00}, the principle plus interest of {$510.00}!! Annual interest rate of $ 15.015 % a total of 24 pymts and will have paid {$6300.00} more than double the loan. I was not aware of this when I signed the loan. I feel I have paid the loan plus suffice interest and they should not be allowed to charge the interest they do and animadverting.
Company Response: Closed with explanation

Timely Response

2019-04-15

Federal Way, WA

Identity theft protection or other monitoring services

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

Didn't receive services that were advertised
Complaint: Hello I XXXX XXXX XXXX have not applied for a loan or tried for a long time and this is a payday loan company called CashNet USA. I have not to pull a business or personal loan at all and would all say there is a guy as well trying to still my company name? I am reporting these issues because this particular company or person ( s ). Are trying and keep trying to still my business and personal information.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-04-12

Detroit, MI

Was approved for a loan, but didn't receive the money

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

Complaint: I applied for the loan for the 1st time on XX/XX/2019 for an emergency dental appointment. I applied online for {$100.00}. On XX/XX/19, there was a message saying that I need to provide more information. I signed the application for the second time. Still on hold. This morning I logged into my account and it is still processing. I had successfully repaid my loan last week without difficulty.
Company Response: Closed with explanation

Timely Response

2019-04-10

Kosciusko, MS

Was approved for a loan, but didn't receive the money

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

Complaint: I received a call from an unknown number stating that they had a courier in my area and I would receive a delivery today that requires a signature at my residence or place of employment and to make sure I had a valid form of identification. They told me if I was not going to be available or have further questions to contact XXXX. Called back and was harrassed, given my personal info such as SSN, place of employment was 10years old and business nameand he told me my driver 's license would be suspended and bank privileges revoked due to a loan from XXXX I have never received a loan from them.
Company Response: Closed with explanation

Timely Response

2019-04-09

LA

Struggling to pay your loan

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

Complaint: I got in bind in XXXX because my check was short and had to get help with my light bill. I move in XX/XX/2018 still trying to pay them, I am trying my best to pay them back I am stressed out hair fall out lose weight.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-04-05

CA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Today I requested that XXXX XXXX communicate in writing only via USPS mail only, they continued to email and text me. I asked them to stop texting me in writing in the attached yet they continued to do so after it was received. I have all of this very well documented. They have broken the law under the California Rosenthal Act And TCPA XXXX. My letter to them is attached. They wrote to me today at XXXX " starting on XX/XX/XXXX. If the account is past due for more than 30 days, the account may be sent to an outside collection agency. Once the account is sent to the collection agency, this will be reported to your credit and we will no longer be handling the account. '' This is a threat to my credit and is also a violation of the Rosenthal act RFDCPA. I have not filed any lawsuits, but I am also asking that they contact my authorized representative. XXXX XXXX XXXX XXXX. THE LAW OFFICE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-04-04

Bloomville, SC

Problem with the payoff process at the end of the 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

2019-04-02

Chicago, IL

Was approved for a loan, but didn't receive the money

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

Complaint: On Thursday XX/XX/XXXX I was approved for an {$800.00} loan from cashnet USA. It was due to be deposited XX/XX/XXXX. It is now XX/XX/XXXX and I have not recieved any of the money that I was approved for. I contacted my bank and they show nothing pending on their end. I contacted the company. They say they show it was sent for deposit into my account. I told them it was not recieved and I would like to cancel the entire transaction. They are currently showing that I owe them money. However, I have not recieved anything from the company. My customer ID with cashnet is XXXX
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-04-02

Dayton, OH

Can't stop withdrawals from your bank account

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

Complaint: I have been trying to work with this company to repay my debt. I attempted to stop the XXXX withdrawal from my account this Friday ( XXXX ). My response was : I am sorry for any inconvenience, once a payment arrangement is scheduled, it is unable to be changed or canceled for any reason. The payments will have to be debited from your account as previously agreed. Since, I have reviewed the ACH section of the loan contract, and it does not provide instructions for stopping an ACH withdrawal, which now has me questioning the validity of this contract.
Company Response: Closed with explanation

Timely Response

2019-03-30

Manassas, 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

2019-03-29

Oxford, GA

Problem when making payments

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

Complaint: I originally opened my personal loan with XXXX in XX/XX/XXXX and my payment scheduled followed my bi-weekly check with a payment amount of {$230.00}. In XXXX of XXXX I contacted XXXX and submitted documents to show my change of employment and the change in payment scheduled. My new payment scheduled went from bi-weekly to bi-monthly and my pay dates were the XXXX and XXXX of each month. XXXX was submitted a copy of my new employer paystubs and approved my new payment scheduled which began on XX/XX/XXXX. Since the change in my payment schedules which by approved by XXXX my account has been drafted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX respectively. On XX/XX/XXXX XXXX withdrew a payment in the amount of XXXX which is twice the amount of my normal scheduled payment. This payment is not in accordance with my payment schedule. I went online and reviewed my loan contract and my payment schedule which stated that the amount payment amount to be drafted from my account on XX/XX/XXXX was to be XXXX. XXXX has refused to refund the overpayment and has stated that once payment is made it can not be refunded. I was required to contact my bank and have all transaction from XXXX blocked because they are making unauthorized transactions from my account.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-03-29

Birmingham, AL

Incorrect information on your report

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

Account status incorrect
Complaint: XXXX XXXX promised to report payments to credit bureau. However, XXXX XXXX did not begin reporting payment information to credit bureau until payment was seriously delinquent. As a result, i was not able to secure a refinance loan with another company to pay off this high interest debt. It is believed that XXXX XXXX had no intent to report on time payments to the credit bureau which is a violation of the fair credit reporting act which states that if a company reports information to a credit bureau the information should be fair and accurate. By not reporting on time payments, i believed that no payments would report to credit bureau and decided to save myself XXXX dollars by allowing the account to accelerate. Not only has XXXX XXXX reported delinquent payments but after not reporting payments at all, XXXX XXXX has back dated delinquent payments. The first payment reported by XXXX XXXX was reported in XXXX and it was reported as missing 5 payments. At that time, XXXX XXXX did not report on time payments. After disputing the information with XXXX, XXXX XXXX reported two on time payments ; a violation of the fair credit reporting act that states that if a business does not report accurate information, the information has to be removed from the credit report ; instead they made a correction. Also the reporting of information remains inaccurate aside from the reporting of on time payments. XXXX XXXX is reporting missed payments as biweekly payments, but they reported on time payments as monthly payments. A total of 5 payments were made on time before i began purposely missing payments. For example, XXXX XXXX reported 8 missed payments. The on time payments are only noticed by the monthly bar that shows whether a payment was made for the month. XXXX XXXX also violated the truth in lending act where the initial reports did not include amortization. It was told to me that the account could be paid in full and only pay the interest incurred at that time. When i tried to initiate pay off online, it stated that i needed to call in to pay off loan. At that time my payoff amount included interest of about 300 dollars. When i called in a rep stated that the pay off amount would include interest over the life of the loan. My borrowed amount was XXXX dollars, after making two payments, i was told that my payoff amount would be around 8000 for XX/XX/XXXX and would increase thereafter. At the time, there was no amortization schedule. The day after, i checked online an the company had included the schedule. Had this information been present when i began the loan, i would have returned the funds. Furthermore, this amount was ridiculous as if i allowed it to accelerate in XXXX, the amount would only be XXXX. In addition, XXXX XXXX presents this loan as a personal loan but infact it is a high interest installment loan. And should be subject to the laws of a high interest payday loan. Just as those loans due to the nature of how they are paid and the overbearing interest can not be reported to major credit bureaus, this loan should not. There is a reason behind the non reporting of on time payments to credit bureaus. XXXX XXXX had no intent to report on time payments. However, they wanted to be able to report in the case that the loan became delinquent. Big businesses can not exploit and misuse an misinform the public regarding loans. It was impossible to pay this loan off due to the negligence of the company in providing true, fair, and accurate information to myself and the credit bureaus. For the reasons presented here, i would like to file a complaint against XXXX XXXX for violating the fair credit reporting act and the truth in lending act ; and ask that this account be completely removed from my credit report including all late payments reported.
Company Response: Closed with explanation

Timely Response

2019-03-29

N San Juan, CA

Problem when making payments

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

Complaint: I acquired this loan early last year. I had to get this loan to pay my bills due to a slow time at work. I was desperate. This was around XXXX/XX/XX/2018. In XX/XX/2018, I was still struggling to repay this loan. I borrowed {$2600.00} and saw that my interest rate was near 100 %. So, my balance barely budged. I was paying on time every month until I couldnt and turned this account over to a debt settlement company. They werent successful about settling this account. Ive tried to settle with this company and they were vague about the terms of the settlement and I asked questions and they went unanswered and ignored. I sent them a promise to pay at {$1200.00} and again, this went unanswered and ignored.
Company Response: Closed with explanation

Timely Response

2019-03-28

Reeds, MO

Struggling to pay your loan

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

Complaint: CashNet USA is charging me an extremely high interest rate that I can not afford and is refusing to work with me to establish a more reasonable interest rate and payment plan.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-03-28

Alafaya, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Caller ID cash net phone # XXXX XXXX XXXX called on XX/XX/19 @ XXXX XXXX. I have never had a dealing with a company by this name. They have called in the past. I do not answer calls from people or businesses that I do not know or do business with. I receive many calls daily, most of which I do not answer because I do not know who is calling. The only possibility I can think of as to why this company called is that it relates to my son XXXX XXXX XXXX who has not lived at this address for 18 months.
Company Response: Closed with explanation

Timely Response

2019-03-24

Lake Ridge, 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

2019-03-23

Temperanceville, VA

Struggling to pay your loan

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

Complaint: I had an account with XXXX XXXX XXXX since XX/XX/2016, for unfortunate financial difficulties I was unable to make my payments. I sought professional help with XXXX XXXX XXXX ( XXXX ) to help me to settle the account, apparently by XXXX the account was paid. However, I been tracking my credit report and the statement said that is pass due by over 149 days. I will love to settle this issue, I am a United States XXXX that is in the process to apply for XXXX XXXX XXXX with the ultimate goals of entering the XXXX XXXX pipeline, I am a great charger, self-motivated individual, great XXXX, with a clean record in the military for ten years. I am trying to start over whit a fresh start in my career and personal life. To accomplish those goals, I need any negative remark removed from my credit. I do understand I totally my fault by I want to fix my mistakes. Thanks.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-03-22

AL

Charged fees or interest you didn't expect

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

Complaint: In XX/XX/2016, I took out a loan of {$2100.00} From XXXX. At the time, I was not made aware of the interest rate, which is 64 %. Three months later, I entered into credit counseling, which included this account. They accepted the agreement, as evidenced by the attachment showing them accepting the payments as other. However, they are not adhering to the credit counseling agreement. They say that I still have a balance of over {$2000.00}, after paying {$2700.00} so far.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-03-21

SC

Charged fees or interest you didn't expect

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

Complaint: I received a loan of {$1100.00} from XXXX XXXX also known as XXXX XXXX in XX/XX/2018. I made a payment in XX/XX/2018. Once that payment was made I realized the portion of it that went towards the principal was barely non existent and most of the payments would be towards the interest. After further reviewing the contract I realized this loan was unlawful due to the interest rate being charged. They are violating usury laws in the state of SC as far as the interest rate being charged to customers. The legal rate of interest max is 8.75 %. There are usury penalty laws that apply to XXXX XXXX in regards to this loan and I'm sure many others. I am not trying to get out of paying back the amount borrowed but will not and am not going to be liable for paying the unlawful amount of interest they charge.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response