ENOVA INTERNATIONAL, INC

2019-01-31

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened to sue you for very old debt
Company Response: Closed with explanation

Timely Response

2019-01-30

Newnan, GA

Problem with the payoff process at the end of the loan

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

Complaint: The inquiry was made on XX/XX/17. The loan amount was {$4900.00} at a interest rate of 58.65 %. I was coming out of a divorce trying to make ends meet. I have called several times trying to get refinance or even a settlement option. Everyone that i spoke to gave me and answer saying that don't know those options or the system will tell us when your eligible. I have been paying on the this loan for over a year and still owe {$4000.00}.
Company Response: Closed with explanation

Timely Response

2019-01-29

Shulerville, SC

Struggling to pay your loan

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

2019-01-26

Coffeeville, AL

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

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

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

Timely Response

2019-01-21

Winton, CA

Getting the loan

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

Complaint: I applied for loan got approval then went through verification process then denied this is credit discrimination.
Company Response: Closed with explanation

Timely Response

2019-01-18

SC

Struggling to pay your loan

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

Complaint: On XX/XX/2018 I took out a loan for {$1300.00}. I have been paying {$100.00} since then and continued to borrow in a bad choice cycle. I have paid about XXXX since then. I am attempting to work with consumer credit counseling but they do not work with that agency and they have access to automatic withdrawals from my account. I can no longer afford {$400.00} a month to pay them and am trying to pay my bills off.
Company Response: Closed with explanation

Timely Response

2019-01-17

Grand View, ID

Charged fees or interest you didn't expect

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

Complaint: I took out this loan on the internet as a short term loan to get my business going for my busy season. I thought I understood the terms interest rate and the due date. After paying direct debits through my bank account for six months I was surprised to see the loan balance was the same amount. When I called them I asked why the payment came out on different dates. They explained something I still do not understand. My understanding was that the payment was due on the XXXX of each month but that is not the case. I told them that was not the way it was presented to me and that they should back date all my payments to the XXXX of the month. I have never missed a payment over 1 year and have only paid {$100.00} off the Principal. I feel like this loan was misrepresented to me and I now see there is no way I am able to pay it off in a timely manner.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-01-11

CA

Incorrect information on your report

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

Account status incorrect
Complaint: My current loan with XXXX is being managed by a debt management company, XXXX XXXX XXXX. The company has been making payments on this loan; however, XXXX is reporting my account as deliquent and past due, which is negatively affecting my credit score. I have tried contacting XXXX by email since XX/XX/2018 and have not received one response to any of my emails. When I contacted them by phone, they would not speak to me or provide any information since they have it recorded the loan is being managed by XXXX. However, my XXXX representative has been unable to get ahold of anything at XXXX either to get this resolved.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-01-09

Blanchard, LA

Can't contact lender or servicer

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

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

Timely Response

2019-01-09

Bremen, GA

Charged fees or interest you didn't expect

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

Complaint: I got a persinal loan from XXXX XXXX for about {$7000.00}. I did sign for the loan and received the money. After speaking with a friend that works for a mortage company, he explained that if I pay this loan to term at {$360.00} a month for 5 years, I would be paying about {$21000.00} for a {$7000.00} loan. He siad he has never seen an interest rate this high at about 60 %. He suggest that I have CFPB look at this to make sure it was ligjt. This company is registered under 3 names and all at the same address of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX NC XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX I know I signed for the loan in a bad time of need but I wanted to have this reviewed for legitimacy. Please let me know if you need anything else from me. XXXX XXXX XXXX
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-01-07

Richmond, 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

Their investigation did not fix an error on your report
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-01-05

Newport, TN

Struggling to pay your loan

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

Complaint: I am trying to work out a payment plan to be able to pay off this debt. The company refuses to work with me.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-01-04

Oliver, WI

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

2019-01-03

Tampa, FL

Received a loan you didn't apply for

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

Complaint: I received an email from cashnetusa regarding a payday loan that I was supposedly approved for on XX/XX/2019. I never applied for this loan nor did I approve any money to be sent to my checking account. The {$250.00} was deposited into my account on XX/XX/XXXX - again, I never requested nor approved any such transaction. I emailed the company on XX/XX/XXXX stating that this was a fraudulent and unapproved activity and they told me I had to file a police report before they could do anything. I did not file a report with the police as that does not seem like the right Avenue to take.
Company Response: Closed with explanation

Timely Response

2019-01-02

Eastborough, KS

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

2019-01-02

Donald, WI

Charged fees or interest you didn't expect

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

Company Response: Closed with explanation

Timely Response

2018-12-27

Goodlettsville, TN

Received a loan you didn't apply for

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

Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Timely Response

2018-12-27

Milwaukee, WI

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

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

Was not notified of investigation status or results
Complaint: I sent certified letters to all three credit bureaus requesting an investigation and deletion of the cash net USA from My credit reports. I am facing an extreme hardship and this account is effecting my credit negatively I have been denied credit and Loans for House purchases. I sent all the proof they need to have this deleted and they all have violated the FCRA laws, which are in place to protect consumers. The credit bureaus have a responsibility to report accurately and to respond to disputes in a timely manner. And they have ignored me.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2018-12-21

Galena, OH

Received a loan you didn't apply for

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

Complaint: I was notified about a loan taken out in my name at CashNetUSA. CashNetUsa would not assist without a police report. I have filed a police report and sent to this company as they requested. I have spoken with their Fraud department and was told they would send the details on the application that was fraudulently completed in my name but have not received it. They stated they would send this two weeks ago but it has not been received. I have left multiple messages for their fraud line with no response. I have called the corporate offices and have gotten no assistance. It is very frustrating to be a victim of identity theft and get zero assistance from the company. This company seems more interested in helping the criminals than the victims of identity theft.
Company Response: Closed with explanation

Timely Response

2018-12-19

Mc Farland, WI

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2018-12-18

Milwaukee, WI

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

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

Was not notified of investigation status or results
Complaint: I contacted all three credit bureaus about this account. It has been 30 days now with no response to my request for them to remove this hard inquiry off of my credit reports.This is causing me a great deal of hardship, I am trying to buy a home and this account has made my credit score go down drastically. I have XXXX children and I can't move into a bigger home with a low credit score. The credit bureaus did not follow the FCRA regulations in regard to this matter they were suppose to respond in a timely manner to my request I sent them certified letters through the United States postal service and still nothing!
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2018-12-16

CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: so i saw a unusual activity on my bank account on XX/XX/2018 that someone ( cashnetusa ) company kept trying to take {$200.00} or {$230.00} out of my bano account so i was like wats going on .. to make a long story short my bank was overdraft due to me not wrking last time i wrked was XX/XX/2018 nd had a XXXX injury nd had XXXX since was off clock didnt got paid so bank was overdraft due to not having money in it nd not making cards payments nd stuff ... anyhow i dnt usually check my bank account but tht day i did becauz XXXX XXXX XXXX has policy they charge u overdraft fee of {$35.00} so i went in to the XXXX XXXX XXXX spoke to a representative about this she changed my card nd as i got a new card i was still seeing cash net was trying to take money out so i went to bank again so we contacted them they said i got a loan of {$200.00} from them nd i have to pay it back i said wat when i never got any loan from u guys they said theres a loan taken on ur name for {$200.00} on XX/XX/2018 i said i never applied for one i had a injury nd im not even wrking and y would i apply they said well too bad u have to pay thts not our business we will send it to collections nd they will take it from u we dnt care it was the manager at cash net who i spoke too at phone call she was super rude .. my bank lady closed down my account nd card nd opened me a new one stating its a fraud spoke to the fraud company dn was told to let social security office knw too went in there too cauz had to change last name since got married told them they said just file a complaint to XXXX explain them they will take over now i got a call again from cash net threatening me to sell my info to third party to claim {$250.00} but i never took any loan of {$200.00} nd someone used my info im so scared i dnt knw wat to do
Company Response: Closed with explanation

Timely Response

2018-12-14

Las Vegas, NV

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

2018-12-14

VA

Charged fees or interest you didn't expect

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

Company Response: Closed with explanation

Timely Response

2018-12-14

AL

Getting the loan

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

Complaint: I received a mailing stating that I had been pre-approved for a loan from {$2000.00} to {$10000.00} from XXXX XXXX. I went to the site and was asked for some basic information, name, address, monthly income, pretty generic, and was told my Credit Score was XXXX. I was invited to fill out an application which was " guaranteed '' not to affect my credit rating, which I did, including this time, more personal information, but still nothing I felt uncomfortable about. The company responded online within a few minutes, with a loan contract and repayment agreement, stating that I qualified for a loan of {$3500.00} with a 60 month repayment @ {$200.00} per month. I have some higher interest loans that I wished to consolidate, and after doing some calculations determined that if I payed an additional {$50.00} to {$100.00} on the principal with each monthly payment, I could save several thousand in interest, based on contract language, so I opted to sign, digitally with my SSN and bank account information ( routing and account number ), assuming that as the document is Titled Contract for Loan Repayment, and asks for a signature, so the monies will be posted to my bank in one business day. After completing the contract signing, agreeing to repay the amount plus interest as stated, I was presented with a screen telling me that in order to process my 'application ' they needed to verify my banking, identity, and income information. To do this they required that I furnish them the userID and password to my online banking application. Those credentials allow a person to open a credit card in my name, apply for a loan, transfer all of the monies out of not only checking but all of my bank accounts, default on the automatic bill payments I have set up, and worst of all, change the userID and password to my online banking application. This is expressly forbidden by my bank, giving a third party access to my online banking credentials. I contacted XXXX as soon as their customer service opened and advised them of this, and was told, that they would have to deny my application for falsification of information, and send that to the credit reporting agencies. I explained that I can export all the information in my checking account as well as many electronic bank statements and send them to their office via secured, signed, with Certificate, documents. The agent told me that the only way they could get my bank information was for me to fill out the online request for my user credentials. I further explained that my bank will be more than happy to send them directly any information they request, the agent again said the only way they could process the loan was to fill out the form request for my secure credentials. I asked for a supervisor, the agent returned to the phone is less than one minute saying that there was no supervisor available, and that if I didn't give them my userID and password by XXXX at XXXX. they would deny the application as described above, and trash the credit score I have worked so hard to rebuild after a serious accident left me XXXX XXXX XXXX with a XXXX injury. This appears to be a spoof or fishing scheme, and now they have my SSN and other information such as bank account number and routing number. Can a company do this? If so, I will launch a web site today and start making money ... They should accept the information as provided them directly from my bank, and process the loan accordingly, at least then they will have to come up with a legitimate reason, which there isn't one in my bank statements, for denying the loan and trashing my credit. I am sure there are hundreds of elderly and XXXX people out there who have received these offers and have been caught in the same trap I have. Please help me to shut this operation down, and prevent them from trashing my credit. I am considering writing XXXX myself today, and warning them in advance what these crooks are trying to do. They could be 2 teenagers in a bedroom in XXXX, OH robbing peoples bank accounts blind as I type, and if you disclose the credentials on purpose, the bank is under no obligation to cover the losses. HELP!!!!!
Company Response: Closed with explanation

Timely Response