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 7
2019-03-20
Blackbird, DE
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Installment loan
Complaint: on XX/XX/XXXX, I applied for a loan with Cash Net. The loan was in the amount of {$2600.00}. After being approved. I gave my bank information to have the money taken out. I received a contract stating Cash Net would take out {$200.00}. I was under the impression it was a month, then the contract stated every 2 weeks. I was mislead!! I took out the loan because of having to have XXXX XXXX on XXXX XXXX for XXXX. If I did not have the XXXX, I would have lost my XXXX. The facility I had the XXXX did not tell me they did not accept payments until a week before the XXXX. I needed {$2500.00} on the day of XXXX. I have been paying this loan because of fear to mess up and have legal fees. I can no longer pay this loan. I am now on social security, and had been paying since XX/XX/XXXX the amount of {$200.00}. I sometimes would defer my loan until the next week because of not being able to pay my rent. When I read the contract, it stated by the end of my loan on XX/XX/XXXX, I would have pd. Cash Net {$8000.00} ... .I do not have this kind of money. This is highway robbery!! I already paid Cash Net {$2400.00} to date, and on XX/XX/XXXX Cash Net is taking out double payment of {$410.00} out of my bank account. I am the sole provider. I have no one. I've already made 12 payments, and can no longer do this!! Cash Net is charging 185.11 %. Taking advantage of someone in desperate need of a loan. I realize Cash Net must charge interest, but 185.11 % is crazy!!
Company Response: Closed with explanation
2019-03-16
Milwaukee, WI
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Installment loan
Complaint: I took out a loan with this company on XX/XX/XXXX. In addition to the bi-weekly deductions that are set to cover my payoff I made an additional payment towards the principal balance only and they never applied it to the principal amount. I called to make an additional payment towards the principal balance on XX/XX/XXXX and was told my payment would not be applied to the principal. I am trying to pay the balance of this loan and it seems my efforts are not working. The loan was originally for {$2800.00} in XX/XX/XXXX and I have made bi-weekly payments of {$170.00} starting in XX/XX/XXXX and the balance is currently {$2700.00}, I understood this was a high interest bearing account but when trying to pay towards the principal balance my efforts are being thwarted. I need someone to look into this and provide me with a reason I can't seem to pay this loan down. I was told by a representative I will have to call on my payment due date to pay {$700.00} towards the principal and still have to pay the {$170.00} that is due at that time this just doesn't make any sense to me.
Company Response: Company disputes the facts presented in the complaint Closed with explanation
2019-03-07
Birmingham, AL
False statements or representation
Debt collection: Payday loan debt
Attempted to collect wrong amount
Complaint: Received a call from XXXX XXXX and XXXX saying they are a lawyers office saying I owe and amount on a Cash Net Loan that I do not owe. It worried me so I searched their name on XXXX and every review says it's a scam. Also left a voicemail for my mom, and I'm not sure how they got her number. Will not stop harassing us.
Company Response: Closed with explanation
2019-03-04
VA
Problem with the payoff process at the end of the loan
Payday loan, title loan, or personal loan: Personal line of credit
Complaint: I asked for the amount of time it would take my loan to be paid off making the minimum payments with no further advances. They have refused to tell me. They say, their system won't calculate it. It is a small loan of {$2000.00}. I pay {$540.00} per month. so it should be easy to calculate. I think this is unfair lending practice.
They locate me by my telephone number XXXX
Company Response: Closed with explanation
2019-03-01
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
2019-02-26
Randolph, AL
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
2019-02-26
AL
Getting the loan
Payday loan, title loan, or personal loan: Installment loan
Complaint: there is a company called cashnet who keeps calling me multiple times a day at my cell phone number which has been on the do not call list since 2011 ... they call before XXXX XXXX.. and after XXXX XXXX and several times during the day. so far just today they called me at XXXX XXXX this moring XXXX again and then at XXXX XXXX ... I told t he one who called at XXXX don't call me anymore and to remove my number from their call list ... he assured me he would and promptly hung up.. an about two hrs later I get another robo call from the same company.. i called them back seven or eight times asking to speak with a supervisor and they kept hanging up.. and then she asked me what was wrong with me ... and i said i don't want you to call my phone anymore. she said well stop calling me i don't have time to waste talking to you. and hung up.. i called back and said when your company stops calling me i will stop calling you back. I have never given this company my info. i have never asked for a loan from them and they are harassing me and i want to press charges against this company.
Company Response: Company disputes the facts presented in the complaint Closed with explanation
2019-02-23
Norfolk, VA
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
2019-02-22
Cincinnati, OH
False statements or representation
Debt collection: Other debt
Indicated you were committing crime by not paying debt
Company Response: Closed with explanation
2019-02-20
Shulerville, SC
Communication tactics
Debt collection: Payday loan debt
Frequent or repeated calls
Complaint: Calling from XXXX repeated times. Just this week so far, phone captured XXXX at XXXX and XXXX at XXXX. They have also threatened to take me to court.
Company Response: Company disputes the facts presented in the complaint Closed with explanation
2019-02-20
Gainesville, VA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2019-02-18
Stafford, VA
Problem with the payoff process at the end of the loan
Payday loan, title loan, or personal loan: Installment loan
Complaint: I received a {$3000.00} dollar loan on XXXX XXXX,2016 and have been paying {$340.00} and within that time they have not put anything but XXXX dollars towards the principle.
I believe there practice is unfair and may be illegal, as when I wanted to pay off this amount due to the government shutdown, they said I owed them {$12000.00} dollars, however they only gave me a {$3000.00} LOAN.
How in the world do I owe them {$12000.00} for XXXX? I beleive they are practincing unfair loan laws. and I have already paid them almost 3 times what they gave me.
Company Response: Company disputes the facts presented in the complaint Closed with explanation
2019-02-14
Calabasas, CA
False statements or representation
Debt collection: I do not know
Indicated you were committing crime by not paying debt
Company Response: Closed with explanation
2019-02-12
Las Vegas, NV
Struggling to pay your loan
Payday loan, title loan, or personal loan: Payday loan
Complaint: On or about XX/XX/2018 I took out a XXXX dollar loan with the company. I was told I could make it in payments of up to XXXX. I asked to have 1 payment pushed back and I was allowed to. I am unable to do any more deferments on the payments owed. The total amount owed is XXXX even after after having the loan for less then a day that is the total amount owed period. Even if I changed my mind on taking this loan out they then would have had me pay a total amount of XXXX no matter what. I am unable to pay this balance off in the needed time frame, and they are not willing to help me anymore.
Company Response: Company disputes the facts presented in the complaint Closed with explanation
2019-02-11
Warrenton, VA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: I TRIED DISPUTING THIS ACCOUNT ON MY CREDIT REPORT FOR THE LAST 8 TO 9 MONTHS AND STILL NOTHING HAS BEEN DONE ABOUT THIS. XXXX HAS NOT DONE ANY KIND INVESTIGATION ON MY DISPUTE WHAT SO EVER AND THEY ARE ALLOWING XXXX XXXX TO DO WHAT THEY WANT. THIS ACCOUNT FROM XXXX XXXX WHICH IS ON MY XXXX CREDIT REPORT SINCE XX/XX/XXXX IS ILLEGAL INTERNET PAYDAY LOAN AND I WILL SHOW DOCUMENTS TO SHOW ON MY BEHALF. UNDER THE FAIR CREDIT REPORTING ACT I THOUGHT THAT IF YOU DISPUTE SOMETHING ON YOUR CREDIT FILE I THOUGHT XXXX INVESTIGATE EVERY CLAIM THAT A CONSUMER MAKES BUT RECENTLY NOTHING HAS BEED DONE. I AM DISPUTING THE FOLLOWING INACCURATE INFORMATION YOU ARE REPORTING WITHIN MY CREDIT FILE PURSUANT TO THE FAIR CREDIT REPORTING ACT. I GOT A LOAN FROM XXXX XXXX OVER THE INTERNET IN XX/XX/XXXX. THE INTEREST RATE CHARGED ON THE LOAN IS MORE THAN 12 % APR. AFTER GETTING THE LOAN I LEARNED THAT VIRGINIA LAW PROHIBITS ANY COMPANY FROM MAKING SUCH LOAN TO VIRGINIA IN EXCESS OF 12 % APR UNLESS THAT COMPANY HAS OBTAINED A CONSUMER FINANCE LICENSE FROM THE VIRGINIA STATE CORPORATION COMMISSION. SEE VA CODE SECTION 6.2-1501. XXXX XXXX DID NOT HAVE A CONSUMER FINANCE LICENSE WHEN THEY MADE THIS LOAN AND THEY NEVER HAVE HAD SUCH A LICENSE. THE VIRGINIA ATTORNEY GENERAL SUED XXXX XXXX FOR MAKING UNLAWFUL LOANS IN VIRGINIA I HAVE COPY OF THE LAWSUIT ATTACKED.. UNDER VA CODE SECTION 6.2-1541 IF A LENDER WAS NOT EXEMPT FROM THE PROVISIONS OF THOSE STATES AND WHO HAD NOT OBTAINED A CONSUMER FINANCE LICENSE, CONTRACTED TO MAKE A CONSUMER LOAN AND CHARGED CONTRACTED FOR OR RECEIVE INTEREST OR OTHER COMPENSATION IN EXCESS OF 12 % PER YEAR THE LOAN WAS AND IS NULL AND VOID AND THE LENDER IS NOT ABLE TO COLLECT, OBTAIN OR RECEIVE ANY PRINCIPAL INTEREST OR CHARGES WHATSOEVER ON SAID LOAN. I WANT THIS TRADE LINE REMOVED FROM MY ACCOUNT IMMEDIATELY. PLEASE IMMEDIATELY REMOVED THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT. PLEASE FORWARD THIS LETTER AND ANY ATTACHMENTS TO THE CREDITOR LISTED ABOVE AND ASK THIS TIME TO VERIFY THAT WHAT I SAID IS ACCURATE. IN ADDITION PLEASE REQUEST THAT THE CREDITOR ABOVE SEND YOU A COPY OF ANY OTHER SUPPORTING DOCUMENTS TO PROVE THAT WHAT I AM SAYING IS ACCURATE. I DEMAND THAT YOU INVESTIGATE MY CREDIT FILE AND DELETE THE INFORMATION THAT I HAVE NOTED ABOVE. WHEN YOU HAVE COMPLETE YOUR INVESTIGATION PLEASE SEND ME A COPY OF MY CREDIT REPORT AFTER MY DISPUTED.
Company Response: Company disputes the facts presented in the complaint Closed with explanation
2019-02-08
Dallas, TX
Can't stop withdrawals from your bank account
Payday loan, title loan, or personal loan: Payday loan
Complaint: I applied for a loan for Cashnet Usa online for the amount of {$200.00} on or about XX/XX/XXXX. The total amount due on this loan including interest and fees would be {$250.00}. I was contacted via phone by a representative of Cashnet Usa to complete the loan process and agree to terms and repayment conditions. I agreed to this and electronically signed all documents needed to complete the process, including a form to allow Cashnet Usa to automatically withdraw payment from my checking account. The money was deposited into my account on XX/XX/XXXX. I then decided to call Cashnet Usa to inquire about a different repayment plan because the XXXX holiday was near and I might not be able to repay in full on my next pay date, which was XX/XX/XXXX. The guy I spoke to asked me which state I was calling from. I told him I was in Texas. He then gave me the news I wanted to hear. I could repay the loan back over time in 4 installments. He gave me the details needed and I was relieved to know that I could have more freedom to repay. Then, on XX/XX/XXXX, Cashnet Usa withdrew {$51.00} out of my account. I felt relieved because I considered that my first installment payment. My account was charged {$52.00} on XX/XX/XXXX. A couple days later, I decided to log in to check my account balance and discovered that my loan had only been extended and not set up for the installment payment plan like the guy told me it would. The amount I owe was still {$250.00}. I called Cashnet Usa on XX/XX/XXXX and spoke with a lady named XXXX. XXXX informed me that no such arrangement had been made and that I had only extended my loan and the two payments I had made only went toward extension. I was XXXX. I then told XXXX I would like to repay Cashnet Usa back, but I wanted the automatic payments to be stopped. XXXX says that there's no way to stop the payments since I still owe them money. Isn't that unlawful? I requested Cashnet Usa not pull any more money from my account and was told they couldn't stop. XXXX then informs me that she can send me an email with the information that I need to begin making the installment payments I originally thought had already been agreed upon. While I was still on the phone with XXXX XXXX checked my email and there it was. I had to click a link and fill out a form to agree to 4 equal installment payments of {$64.00} which will be taken out of my account automatically on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally XX/XX/XXXX. Even though I had already paid {$51.00} and {$52.00}, my balance due remained {$250.00}. This is a sham. After I completed and submitted the form, I called Cashnet Usa again to verify that the form had been received and those were the new terms to my loan. I was forwarded to the collections department and was reassured that the new terms were accepted. I am afraid that Cashnet Usa will take even more money from me at this point and dip into my bank account without my permission. I check the Cashnet Usa app and the online website, but found no information on how I can get them to stop the automatic payments on my account. They are clearly taking advantage of consumers.
Company Response: Company disputes the facts presented in the complaint Closed with explanation
2019-02-07
Occoquan, VA
Struggling to pay your loan
Payday loan, title loan, or personal loan: Installment loan
Complaint: Today I called CashNetUSA, concerning my loan and the interest they are charging me. I called CashNetUSA and spoke with XXXX concerning my situation. I told her I had been a customer since XXXX, never been late, and only have missed one payment my entire time being a customer. The {$450.00} coming out of my check from CashNetUSA bi-weekly, is killing me and would they please consider lowering the interest so that I can afford to pay back this loan. I even asked to not give me borrowing privileges and make arrangements to pay $ XXXX monthly and to pay off the balance of {$3600.00}. XXXX informed me that she appreciated my business and longevity as a customer but the best that she could offer me is -- to skip my payment tomorrow and put it on the back end in four separate payments. To break it down, cancel my payment for XX/XX/XXXX and change the next four bi-weekly payments to {$560.00}. I asked how is that helping me?? She said that CashNetUSA does not lower interest rates under any circumstances nor do they reduce payments. She said their annual interest rate is 299 % yearly! She stated the only way that I could possibly get help is if I was in the Military. I would like to make a complaint under the Predatory Lending and Unfair Credit Practices I feel CashNetUSA targeted myself as a minority, and less educated on the lending process. They also preyed on my also credit situation and problems. I also feel they failed to disclose information and disclosed false information, and practice risk-based pricing and inflated charges and fees. They also misrepresented the true costs, risks and/or appropriateness of my loan terms, and the their changes to the loan terms after the initial offer. I want to pay back this loan and keep my good standing with CashNetUSA however, I am asking the Consumer Protection Board to step in have them settle my account and set up payment arrangements with me on the balance due with no additional interest, fees, or charges to me, or my account with them. I want to pay {$250.00} a month for 14 months with a final payment of {$190.00}. Being a customer since XXXX, CashNetUSA has received their balance plus interest more times than enough from me. I have fulfilled the terms of the agreement and the company repayment structure doesn't allow pay down my balance timely or fairly. The total amount I have paid is more than 3 thousand over the course of time and I am your seeking help to close this matter to protect my credit and well being.
Company Response: Company disputes the facts presented in the complaint Closed with explanation
2019-02-07
KS
Threatened to contact someone or share information improperly
Debt collection: I do not know
Contacted your employer
Complaint: Received phone call from someone named XXXX XXXX claiming to be a lawyer for a cashnet loan service, I can find no record of him anywhere. Tried to tell me I obtained loan in XX/XX/2016 and gave an old address, and a bank account that is not mine. Told me he called the bank and verified my information, which would be against banking practices if I did have an account there. I have no knowledge of this loan. He called my place of employment prior to calling me. I am a XXXX and he is threatening to call my XXXX to discuss this matter with her and report me to the XXXX board. Called multiple times, 7 in fact within 20 mins and continuously made threats to try and get me to pay. My husband called and he rattled off his information ss #, Birthday, and phone number. Told us he is one step ahead of us and threatened to call my husbands work as well.
Company Response: Closed with explanation
2019-02-06
Newnan, GA
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Installment loan
Complaint: I was loaned {$4900.00} between XX/XX/2017 and XX/XX/2017. I inquired about refinancing the loan or a settlement option. I submitted a claim about a week ago. I received a response back stated that i was loaned {$7200.00} on XX/XX/2017. That information is not accurate and i have the original contract for verification. I spoke with a supervisor at XXXX and she said she doesn't know where that information came from and to make sure that is was references the right company. I ended my conversion with her a call CFPB. The young lady advised to submit another complaint.
The last complaint ID is XXXX
Company Response: Closed with explanation
2019-02-06
Cumming, GA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Closed with explanation
2019-02-04
Brown Deer, WI
Money was taken from your bank account on the wrong day or for the wrong amount
Payday loan, title loan, or personal loan: Payday loan
Company Response: Closed with explanation
2019-02-04
Bonnie, UT
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Installment loan
Company Response: Closed with explanation
2019-02-01
Finley, MO
Struggling to pay your loan
Payday loan, title loan, or personal loan: Installment loan
Company Response: Closed with explanation
2019-02-01
Atlanta, GA
Problem when making payments
Payday loan, title loan, or personal loan: Installment loan
Complaint: Im very upset with company onfalse advertising and false information to get you inloan. However im trying to pay off loan and has contact company several time for pay off amoutn and i get different and amounts every time my credit showing for th amoutn of XXXX still owed however wheni reach out to company it stay XXXX or XXXX which is more than I took and i been paying on loan since XX/XX/2018. Im filed several compliants on company with no resolution I just wont out of loan
Company Response: Closed with explanation
2019-01-31
El Paso, TX
Can't stop withdrawals from your bank account
Payday loan, title loan, or personal loan: Payday loan
Complaint: I applied for a payday loan in the amount of {$1800.00} on XX/XX/XXXX. I mailed a letter and emailed an attached letter revoking authorization to debit my checking account. They sent an e-mail saying that they got my letter and they confirmed that I had canceled electronic ACH authorization. I was going to pay CashNet USA with a money order, but I found out that I have a pending payment in my checking account in the amount of {$2200.00} on XX/XX/XXXX. They went ahead and with the electronic withdrawal even though I had revoked ACH authorization. They charged me extra fees that go along with getting an expensive payday loan. They also refused to give me the mailing address to send a letter to revoke ACH authorization. They claimed that the loan had to be paid in full before I could ask to revoke authorization for ACH payments. They took money that they weren't allowed to take and now my account is in overdraft. I doubt they are going to pay my overdraft charges. They also don't respond to e-mails regarding revoking ACH payments.
Company Response: Closed with explanation