The lender ( XXXX XXXX XXXX issued funds without providing a clear Truth in Lending Act ( TILA ) disclosure or APR before the transaction. The initial marketing only stated eligibility, and I was not informed of the 10 % cash advance fee and high monthly balance fees until after the money was deposited. I am filing a complaint against XXXX XXXX for deceptive marketing and lack of required disclosures. When I applied via their ad, it only stated my eligibility. I was never shown a clear Truth in Lending Act ( TILA ) disclosure, the APR, or the specific fee structure before the funds were deposited. I only discovered the 10 % 'Cash Advance Fee ' and the high monthly 'Statement Balance Fees ' after the money was in my account and I received my first statement. The fees are predatory and were not transparently disclosed during the application process. The lender marketed this loan as a simple line of credit but failed to provide a TILA disclosure or APR before issuing funds.…
CFPB COMPLAINT DATABASE
Enova International, Inc.
290 real consumer complaints filed against Enova International, Inc. at the Consumer Financial Protection Bureau in the last 12 months. 0 received relief from the company. Median federal response time: 15 days.
Most common issues
- 01Charged fees or interest you didn't expect77
- 02Incorrect information on your report37
- 03Attempts to collect debt not owed34
- 04Struggling to pay your loan28
- 05False statements or representation15
Top states filing
Recent complaints
The 30 most recent complaints against Enova International, Inc. where the consumer chose to publish their narrative.
I obtained a loan through XXXX, and the repayment terms quickly became unmanageable due to the high interest and the size of the required payments. I contacted the company multiple times to request assistance or a hardship option. Still, I was either told no adjustments were available or given limited information that did not resolve the issue. Despite my efforts to communicate and stay current, I was unable to keep up with the payments, and the balance continued to increase. Because I can not afford the amounts being claimed and have been unable to obtain meaningful relief from the company, I am submitting this complaint so the matter can be reviewed.
I am filing a complaint regarding a debt collection account being pursued by Align Balance , LLC for an alleged debt originally owed to XXXX in the amount of {$5100.00}. I formally dispute this debt and have requested validation pursuant to the Fair Debt Collection Practices Act. At this time, I have not been provided sufficient documentation to verify : That the debt is valid and accurate That Align Balance , LLC has legal authority to collect That the amount being claimed is correct Additionally, Align Balance , LLC does not provide an accessible or functional email address for submitting a full written dispute. The only communication method provided is a limited dispute request system that does not allow me to request all documentation required under federal law. This creates an unnecessary barrier to exercising my rights and prevents me from properly disputing the debt in writing. Despite this, collection efforts have continued. I am requesting : 1.…
On XX/XX/year> I requested {$3000.00} but {$300.00} was taken as an account fee so I was only give {$2700.00} but will have to pay the full amount plus the monthly fee. I am also repaying 39 % interest rate on top of a monthly fee with every payment. I then asked why my monthly payment was higher than shown and was told it's because I get paid twice a month instead of once. I have to make higher than scheduled payment plus pay the fee with each payment.
I reached out to Net Credit to reseolve my account requesting a settlement amount. the XXXX amount was given on XX/XX/XXXX. On XX/XX/XXXX o called to make the payment amount of {$900.00} which was the settlement amount given. I was then told that my account would be removed from payment plans and the payment can not be taken due to an issue with VA loans at this time. I spoke with a manager whom I then requested a letter to explain why the funds could not be taken that day. I have yet to receive any information. I reached out on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX twice and still was not able to close the account. I advised I needed to have the account closed as I am trying to purchase a home and its showing as a Negative account on my credit. I have yet to get an update as to Why i cant make these payments.
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.
I obtained a {$1000.00} line of credit from CashNetUSA. I did not take any additional advances beyond the initial {$1000.00}. Since that time, I have made consistent biweekly payments of approximately {$100.00}. Despite making regular payments, my balance has remained extremely high. Based on information provided by the company, I have paid over {$1800.00} in total, including approximately {$430.00} toward principal and over {$1300.00} in interest and fees. However, my current balance is still approximately {$890.00}. The company applies payments primarily to interest and fees before principal, while continuing to charge daily interest at an extremely high annual percentage rate of approximately 299 %. As a result, my payments have had minimal impact on reducing the principal balance. I requested a detailed breakdown of how my payments were applied and an explanation of how my balance remains so high despite significant payments.…
i can not continue to pay. the payments the fees and intreset they are charging are too much and bi weekly. i have contacted them to ask for a differnt payment and they stated. " Dear XXXX, Thank you for contacting NetCredit. We're here to help in any way we can! Thank you for your recent email. Unfortunately, there is no hardship program available to stop, reduce, or restructure the payments. However, each payment is eligible to be adjusted up to 90 days from the original payment date by either changing the payment date online ( online payments can only be moved up to 60 days ) or by calling the customer support team at least XXXX business days in advance of the payment date. The minimum payment is calculated based on the outstanding principal. Therefore, the only way to reduce the payment is by making extra or additional payments to lower the outstanding balance. This, in turn, will lower the minimum payment due.…
am submitting this formal complaint regarding a loan I obtained from NetCredit in XX/XX/year>. After entering into the agreement, I began making payments as scheduled. However, I later discovered that the terms of the loan were not accurately represented to me at the time of signing. Specifically, NetCredit applied additional interest charges and fees that were never clearly disclosed or explained during the loan process. These unexpected charges significantly increased the overall cost of the loan and were not part of the terms I understood or agreed to. My attempts to address this issue directly with NetCredit have not resulted in a satisfactory explanation or resolution. I am requesting a formal review of this matter, including NetCredits disclosure practices and the legitimacy of the added charges. I believe these actions were misleading and may violate consumer protection standards. Thank you for your attention to this issue.…
This company charges an exorbitant customary which is hidden from the consumer. A predatory lending practice .Example {$260.00} XXXX only XXXX applied to principal XXXX interest XXXX customary fee.Ihave been making payments for a year and have paid XXXX and I'm nowhere near paying the loan off This is predatory lending.
I am disputing the accuracy of an account being reported on my credit report. I have not received documentation validating the balance, payment history, or proof that the reporting entity has the legal right to report this debt. Under the Fair Credit Reporting Act, I am requesting verification of this account. If the account can not be properly validated, I request that it be removed from my credit report.
A collection consumer adjustment cashnetusa in the amount of XXXX was reported to my credit as late and it was added to my collections report. I have been closely monitoring my credit since XX/XX/XXXX due to in the process of getting a house. I have been talking to my lender to see what collections needed to be removed. I removed all the collections in XX/XX/XXXX that I was responsible for. My wallet was stolen a couple of months ago with my social security card inside. My social security number has been exposed. I am not aware of this new collection that was added to my credit report. It is stopping my house process. I ask that this collection be removed immediately.
Hello my name is XXXX XXXX I opened an account with XXXX ( account # XXXX on XX/XX/XXXX. The amount of the Line of credit XXXX During this time I borrowed from the line of credit XXXX. I was on a schedule Bi-weekly payment of XXXX. I have been making payments on time Bi-weekly since XXXX, XXXX, XXXX up till XX/XX/XXXX the amount of that payment was XXXX. On XX/XX/XXXX I made a payment of XXXX towards the PRINCIPAL. My next scheduled payment is not due until XX/XX/XXXX. According the contract AND XXXX website stating " early other payments may be made as long as it was made TWO days prior to the next due date, which I was certainly ahead of the next XX/XX/XXXX due date. Upon calling and speaking to a XXXX representative to confirm the XXXX principal payment was made and reflected, I was told that only XXXX was towards principal and XXXX was for interest.…
To the Legal Department or Compliance Officer : I am writing regarding the above-referenced debt of {$5000.00}, which defaulted in 2023. I am formally disputing this debt and providing notice that I hold no liability to NetCredit. Liability for this financial harm, including the delinquency on this note, rests solely with XXXX XXXX and XXXX XXXX ( or " XXXX '' ) due to malfeasance, civil rights violations, theft, and destruction of property. This letter incorporates the following material facts which are supported by Florida law and the doctrine of collateral estoppel : XXXX. The Nature of the Debt : A " Homestead Improvement Obligation '' The {$5000.00} loan from NetCredit was used for improvements on my homestead. Under Article X, Section XXXX of the Florida Constitution, debts " contracted for the purchase, improvement or repair '' of a homestead are an exception to the general protections afforded to homestead property.…
In late 2023, XXXX XXXX XXXX XXXX ran multiple unauthorized hard inquiries on my credit report without written consent, far exceeding what is required to originate the loan. The associated debt was already deleted by XXXX, yet XXXX XXXX and the credit bureaus continue to report it inaccurately. By doing this, they are willfully violating FCRA 605B, 609, 611, 623, TILA, EOCC, EOSCAR, and other federal and state consumer protection laws. Their continued reporting of a deleted account has caused denial of personal and business credit, financial damages, and emotional distress, and may constitute discriminatory practices by obstructing lawful access to credit. I am requesting immediate correction of all credit reporting, removal of unauthorized inquiries, and full compliance with federal law.
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in
I had been recieving calls non stop over a year now. Last year in XX/XX/year>, I reported identity theft to my local sheriff office of identity theft and faxed cashnetusa a copy of the sheriff report a few days later after I recieved the copy of the report. I had not heard back after I froze my social security number so I wouldn't get anymore calls. Earlier today, I recieved a voice mail stating it was urgent about something concerning me and I had to call them back today before XXXX XXXX to XXXX. I called that number and spoke with XXXX. She refused to give me her last name and when I asked what company does she work for, she claimed it was XXXX. I asked her what the company name was and she replied XXXX. She told me that I was going to be served to go to court and I had to bring the sheriff report and any other documents for my case and it was going to be up to the judge if I have to pay it back. I told XXXX that it was identity theft.…
Got an offer through the mail and proceeded to investigate the offer and had to input lots of personal information, ss, bank id, bank login etc but did not take the loan after investigating the company on XX/XX/year>. I contacted the company and was told they would withdraw my application and send an email verifying that my personal info was deleted. Instead I received this email reply : Dear XXXX, Account XXXX XXXX XXXXXXXX Thank you for contacting NetCredit. In response to your email, we regret to inform you that NetCredit can not honor your request to delete your personal information from our database. We are required by federal and state laws to retain and keep a record of any customer information submitted to us. Be assured that we take data security and privacy very seriously and safeguard all information that we obtain.…
On XX/XX/year>, at approximately XXXXXXXX XXXX I received a phone call from someone identifying herself as " XXXX XXXX '' at XXXX. Before calling me, she called my mother and disclosed information about an alleged debt. My mother then gave her my phone number. I did not authorize any third-party contact. XXXX XXXX claimed I owe approximately {$1500.00} on a payday loan originally from CashNet USA. The original loan was for {$700.00}. She said the company was " looking to pursue '' me. She asked me to acknowledge the debt. I told her I did not recall. When I called the number back at XXXXXXXX XXXX to request the company 's full legal name and mailing address, XXXX XXXX asked " why do you need the address? '' When I said I wanted to send a cease and desist letter, she said " you don't need to because we're not going to call you anymore '' and hung up on me. I then called CashNet USA directly.…
AFFIDAVIT OF TRUTH Regarding Inaccurate, Unverified, and Unauthorized Collection Account State of South Carolina XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX following statements are true and correct to the best of my personal knowledge : reside at XXXXXXXX XXXX XXXX XXXX XXXX, South Carolina XXXX I am the consumer identified on the credit reports issued in my name and the Affiant in this matter. This Affidavit is made based upon my personal knowledge and my review of my consumer credit reports. A collection account is being reported on my consumer credit file by XXXX XXXX under account number XXXX I affirm that I did not authorize, consent to, or knowingly enter into any contractual agreement with the above-named entity that would permit the reporting, furnishing, or dissemination of my personal consumer information.…
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
To that of a day or so priored ; XXXX would have written the Federal Trade Commission to XXXX of having examined attempting to apply for a XXXX Personal Loan or a XXXX Personal Line of Credit. Where as detailed to manner of the Federal Trade Commission report ; XXXX wasn't be allowed to login to any stated account therein to any manner of application process. Closer examination to the fine print of the Personal Loan ranging from {$1.00} - XXXX ; illustrated to manner of fine print non-directly oriented to that of the Consumer ; an XXXX Rate of XXXX %, extremely high, even higher then most Credit Card ranges from any manner of XXXX XXXX XXXX %.…
I've reached out to all companies listed below for a signed bill of sale and was told by all companies that they didn't have one on file. This company is violating my rights. They have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on your consumer report recently. I am stressed out because this company is violating my rights Under 15 U.S.C. 1681s-2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law. cashnetusa-XXXX- {$1600.00}
In XX/XX/year>, I obtained an installment loan for {$3300.00}. The Truth-in-Lending disclosure reflects an APXXXX XXXX XXXX XXXX a finance charge of {$5900.00}, and total payments of {$9200.00} over 33 months. This loan was issued to a Mississippi consumer but funded through an out-of-state bank partner. The structure appears to be a rent-a-bank scheme in which a non-bank lender uses a chartered bank to evade Mississippi interest XXXX caps and consumer protection laws. Mississippi law limits interest rates for small loans and does not permit rates approaching XXXX XXXX APR for consumer installment loans of this type. The balance now reported is approximately {$8300.00} more than double the amount borrowed primarily due to excessive interest accrual.…
I recently was part of a lawsuit that requires me to pay around {$1100.00} a month to the plaintiff. I contacted netcredit numerous times over the past few months to explain my situation and requesting next steps for financial hardship but they simply say " nothing we can do '' I have told them with the excessive statement fees and charges that I will not be able to keep up with the loan and that this will more than likely default unless we come to an agreement and still, they were not willing to help. They advertised themselves as a cheap option when times are tough but this may be the most exploited I have been by a creditor. I need financial assistance but they are willingly letting this go south for both of us.
To Whom It May Concern, This letter is being sent in response to your reporting and/or communication regarding an alleged debt that you claim I owe. Pursuant to the XXXX XXXX Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g XXXX XXXX I am requesting XXXX XXXX full validation and verification XXXX XXXX of the alleged debt. Please be advised that this is XXXX XXXX not a refusal to pay XXXX XXXX but a request for proper documentation.
Loan had illegal high interest rates in Georgia. I was not aware of the illegal rates per state at time of loan. Illegal payday loan with unreasonable interest rates. Moreover, according to Section 16-17-7 of the Georgia Code, any interstate financial corporations caught at payday lending operation in Georgia will be immediately punished for it and their license suspended. This includes any out-of-state lenders and online tribal lenders.
I took out a loan with CashNetUSA for {$2400.00} during a time when my family needed help catching up on bills. Very quickly, I realized how hard this loan was to manage. Within about a month and a half my balance has grown to {$3000.00} even though I have previously made a payment of {$380.00}. After that payment, my balance barely went down because I was being charged daily fees and daily interest. When I reviewed my statements more closely, I saw that I was being charged around {$16.00} {$17.00} every single day in customary fees, on top of interest. These daily charges added up to hundreds of dollars very quickly and have made it feel impossible to get ahead. During this time, I also took a small additional advance of about {$120.00}, which only increased the fees and interest further. The structure of this loan has made it feel like no matter what I do, the balance will keep growing instead of going down.…
To Whom It May Concern, I recently received communication regarding an alleged debt. I do not know who the collector is or have full details of this account. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you provide validation of this alleged debt, including : 1. The amount of the debt. 2. The name of the original creditor. 3. Documentation showing that I am legally obligated to pay this debt. 4. Proof that you are authorized to collect on this debt. Until proper validation is provided, I request that you cease all collection activities, including reporting this debt to any credit bureaus. Please respond in writing to the address above.
I am filing a complaint regarding XXXX XXXX reporting and collections practices. I contacted XXXX on XX/XX/XXXX to request information about hardship options on my {$1600.00} balance on an {$1000.00} loan from XX/XX/XXXX and clarification of how my account would be reported during financial hardship. In multiple written responses, XXXX stated that : No hardship program exists to stop or reduce reporting The account will continue to be reported as delinquent until payment is made Settlement or payment plan discussions can not occur unless I first provide a valid payment method Collection activity will continue until payment is authorized XXXX has refused to discuss or document any alternatives without payment authorization and has confirmed that negative credit reporting will continue unless payment is made. I believe this practice is coercive and does not reflect a fair or individualized review of hardship circumstances.…
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