Enova International, Inc.

I am filing a formal complaint against XXXX XXXX, XXXX for egregious violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e regarding false, deceptive, or misleading representations.XXXX XXXX, XXXX is reporting a collection account on my credit bureaus originating from an alleged XXXX loan. Recently, representatives from XXXX XXXX, XXXX contacted me over the phone and utilized severe, deceptive pressure tactics to coerce me into an immediate payment.During the call, the representative explicitly threatened me, stating that if I did not make an immediate payment, they would " sell the debt back to XXXX '' They further threatened that they would immediately forward my file to a law firm to initiate a lawsuit against me.These statements are direct violations of federal law : Under the FDCPA, a debt buyer can not threaten to take legal action ( such as sending the account to a law firm for a lawsuit ) unless they genuinely intend to take that action…

I opened and open-end line of credit through XXXX ( lender of record : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ), account number XXXX. This company also recently may have changed their companies name to XXXX XXXX Each billing cycle, a " Statement Balance Fee '' is charged based on my Cash Advance Balance, in addition to my minimum payment. As a result, the majority of each biweekly payment goes toward this recurring fee rather than reducing my principal balance, and my account balance has not meaningfully decreased despite consistent payments. I believe this fee structure functions similarly to an extremely high effective interest rate that would be not permitted under my state 's usury laws if not for the bank 's out-of-state charter arrangement.

I received communication from XXXX XXXX in XX/XX/year> stating {$3900.00} was past due. On XX/XX/XXXX I responded via email disputing the ownership of the credit line. I then received a letter dated XX/XX/year> that included statements and an XXXX sheet with information regarding the account. They claimed this information was enough to prove the account was mine, however when reviewing the information they sent back there are several inaccuracies. For instance, the account and routing number they dispersed the funds into is not mine. The company they claim I work for is not accurate. The drivers license number listed is not accurate. Monthly net income is not accurate. The email used is not mine. The bank account listed for the disbursement of funds is a bank I have never had an account with ( XXXX XXXX ). Several phone numbers listed on the account are not mine or anyone that I know. The date of birth isn't even correct.…

I am submitting this complaint regarding my XXXX line of credit account. On or about XX/XX/year>, I disputed the accuracy of the information XXXX was reporting to the credit bureaus. I filed these disputes myself with XXXX and XXXX. I have not retained an attorney, authorized anyone to represent me, or initiated any legal action regarding this account. During the dispute process, XXXX placed a hold on my line of credit. My account remains open, and I am able to make payments, but I am no longer permitted to take advances against my available line of credit. When I contacted XXXX to ask why, I was repeatedly told that my account was under review and that the review could take approximately 30 days. Since that time, XXXX completed its investigation and updated the reporting on my account. I am still awaiting the outcome of the XXXX investigation.…

Loan amount. {$4100.00}. month and year : XX/XX/year>. APR 64.76 % Interest rate 65.00 %. XXXX XXXX XXXX XXXX XXXX XXXX I reside and still reside in Washington State. I am asking if this loan was legally originated and serviced for a Washington resident and whether the interest rate, servicing and collection practices comply with Washington consumer lending laws. I am also requesting review of the current balance claimed and lenders authority to collect the debt. Finance charges {$8000.00}. I authorized XXXX to deduct payments through my financial intuition who at the time was XXXX XXXXXXXX XXXX I had asked XXXX XXXXXXXX XXXX to place a stop payment hold on the account and to close the account. When payments resumed, I questioned the bank manager at the time. She did not place a stop payment and told me that it was my own fault for taking a high interest loan.…

Debt collection Original creditor : CashNetUSA Debt collector : XXXX XXXX XXXX Original loan amount : {$2000.00} ( XX/XX/XXXX ) Current claimed balance : {$3100.00} Date debt sold : XX/XX/XXXX XXXX XXXX took out a payday/installment loan with CashNetUSA in XX/XX/XXXX for {$2000.00} and made payments until she was unable to continue due to a XXXX XXXX XXXX. CashNetUSA later sold the debt, and we received written notice of the sale showing an outstanding balance of {$3100.00}. Approximately one week ago, we received a phone call/voicemail from a representative claiming to be collecting this debt on behalf of XXXX XXXX XXXX XXXX In the voicemail, the caller Stated : 1. That representatives had already been to our home and would be inspecting our Vehicles. 2. That they intended to serve legal papers on XXXX parents, who never signed or guaranteed this loan. 3. That XXXX wages would be garnished, despite her currently being unemployed and no lawsuit or judgment existing.…

The debt collector, XXXX XXXX XXXX, is violating the FDCPA by disclosing my private financial and debt information to a third party. They have sent multiple text messages to my sister-in-law 's personal cell phone regarding an alleged CASHNET USA account. The text messages explicitly address me by name, disclose that a debt is overdue, and explicitly mention specific dollar amounts ( such as a balance and settlement offers ) This third party is not a co-signer, spouse, or legal representative on the account. These unauthorized third-party disclosures have occurred multiple times ( including on Thursdays and Mondays ), causing significant distress and violating my federal consumer rights. They have contacted my sister in law on multiple occasions. XX/XX/year> at XXXXXXXX XXXX XX/XX/year> at XXXXXXXX XXXX XX/XX/year> at XXXX XXXX XX/XX/year> at XXXX XXXX

In late XXXX of this current year I was approved for a {$1500.00} loan from CashNetUSA online but prior to that I spoke to their representatives and was totally missed and lied to about the interest on this loan that was OVER 100 % interest over less than 1 year of monthly payments. In fact the total amount that was to be paid back was in EXCESS of {$3500.00} on a {$1500.00} installment loan. But the real issue that happened to me AFTER I had paid my first installment payment on time on XX/XX/XXXX for {$570.00}, was that another firm posing as CashNetUSA offered me an additional credit line and scammed my bank account for {$920.00}. When I contacted CashNetUSA management they never took responsibility for these " other '' firms and scams using their name AND their corporate logo to hurt senior citizens such as me and other clients.…

On or about XX/XX/XXXX, I obtained an installment loan originated by XXXX Bank XXXX XXXX XXXX and serviced by NetCredit ( Loan ID ending in XXXX ). The contract expressly states that ACH/EFT authorization was optional and not required to obtain the loan. ACH payments were processed through early XX/XX/XXXX. On XX/XX/XXXX, an ACH debit was rejected by my bank with the reason Customer account is closed. Since that date, I have repeatedly disputed the servicing, requested proof of valid authorization for all ACH attempts, full ACH trace records, itemized balance explanation, and corrected amortization schedule. NetCredit has refused to provide the required authorization records or proof that they had the right to initiate debits from my account. They have also continued reporting the account as late/delinquent to credit bureaus without marking it disputed despite formal notice.…

Received settlement offer from debt collector. Provided information that consumer is currently homeless and will set payment arrangements. False debt report to credit bureau

The company has been charging me {$70.00} per month claiming it is a statement fee. It is illegal and I have asked them to remove and credit the statement fee with no response.

We suppose to start this loan with XXXX % loan fees and XXXX paying like a 100 % more

I am filing this complaint regarding my NetCredit line of credit because I have made multiple attempts to repay my debt, but I have been denied a reasonable opportunity to do so. My line of credit had a credit limit of approximately {$3100.00}. My account has since been suspended, meaning I can no longer access or use the line of credit. Despite this, my balance has increased to approximately {$3900.00} because NetCredit continues to charge administrative fees. I contacted NetCredit and explained that I am experiencing financial hardship. I requested that my account be closed to further charges and that I be placed on a reasonable payment arrangement so I could begin paying down the balance. I made it clear that I want to repay what I owe. I was informed that NetCredit would not allow me to close the account or establish a payment arrangement. I was also told that administrative fees would continue to be charged.…

I did not apply for a loan with XXXX but its in my bank account for which I did not apply.

I spoke to a representative today named XXXX. I told her that I wanted the escalation of my balance taken off my credit report. Net Credit was being paid and I told them that I needed smaller payment arrangements instead of them continuing to give me up to XXXX due dates at once. I almost lost my car insurance and apartment because my employer changed their pay cycles from biweekly to weekly. I only was getting paid XXXX a week. Net Credit unfairly told me that they would escalate my total debt regardless

I am submitting this complaint because * * NetCredit * * continues to report a derogatory charge-off account on my consumer credit reports that I believe is inaccurate, incomplete, misleading, and has not been properly verified as required by the Fair Credit Reporting Act ( FCRA ). I have disputed the accuracy of this account with the consumer reporting agencies and requested that a reasonable reinvestigation be conducted. Despite my dispute, the account continues to be reported without NetCredit providing the documentary evidence necessary to establish that the information is accurate and complete. Instead, I have received generalized responses stating that the account was " verified '' or continues to be reported as accurate. These responses do not explain what information was reviewed, what records were relied upon, or how NetCredit determined that every aspect of the account was accurate.…

I had a loan account that ended up going to collections during XXXX in XXXX I worked with the collection agency to get them to honor the original payoff after and have since paid it off in XXXX. The loan company however states they have no intention to close the acccount or mark it as paid or anything ever. XXXX were there exact words. That had suggested that I just wait for it to fall off my report instead. The attached file is a copy on the payoff dated for today not dated when it was paid off. It was paid off in XXXX of XXXX and I had hoped that I was just giving them time to remove it but its clear now that they have no intention.

I am submitting this complaint regarding a consumer installment line of credit serviced by XXXX I contacted XXXX to request hardship assistance and a reduction or restructuring of my required payments due to financial difficulty. My request was denied. I was informed that no hardship program is available to stop, reduce, or restructure payments beyond temporary tools such as skip-a-pay or payment rescheduling. While I remain current on the account, I am experiencing ongoing financial hardship and the current repayment structure is not sustainable. Account structure concern This account functions as a revolving line of credit that has created a recurring cycle of borrowing. Due to the structure of the product and high-cost repayment terms, I must repeatedly draw on the available credit to meet ongoing financial obligations while also making required payments. As a result, I am unable to meaningfully reduce the balance over time.…

several things on my credit report I do not recognize and believe someone opened and used credit cards and alike in my name without my consent. from XXXX through XXXX multiple accounts were opened and ultimately charged off, and it looks like 1 or 2 of them even had payments made here and there. XXXX .. XXXX XXXX XXXX XXXX XXXX opened XXXX .. XXXX ( XXXX XXXX XXXX opened XXXX... XXXX opened & {$460.00} charged. XXXX ... XXXX XXXX opened {$3000.00} charged. couple others I believe, also around that time my apt . was burglarized and items including credit cards were taken by my roommate 's ( at that time ) son I believe, and I thought I notified the correct people about it but maybe not because I see it is hurting my credit drastically and on my report still. I also want to make aware that I was part of a data breach in XXXX where my info was shown to have 5 different data breaches involved...

Called XX/XX/year> to inquire why billing pay date had not been updated since the previous interaction of of XXXX. Was told 2 billing cycles and as of yet not update happened kept being charged for different pay dates. Requested a supervisor was told could not it would take 10 days never received follow up

I am writing this letter to inform you of a concern on my XXXX XXXX account XXXX Account ID XXXX. I made a payment of {$480.00} on XX/XX/year> by contacting my bank ( XXXX ) to use their Bill Payment system to complete the payment. I was able to reach an agent, who confirmed to me that the payment was processed and provided me with a reference number as a record. Unknown to me, the agent did not complete the request, and as a result the bank did not process my payment to your company. I found this out when I received a credit alert on XX/XX/year>, and I made payment arrangements to bring the account current upon discovery by calling XXXX XXXX on XX/XX/year>, and then contacted my bank to discuss the issue and find out what happened. In that conversation, that is when it was discovered that the phone agent never completed my request. XXXX acknowledged their error and provided me with a letter to confirm their mistake.…

I opened an open-end line of credit on XX/XX/XXXX with XXXX XXXX Bank XXXX serviced by NetCredit ( account number XXXX ; loan number XXXX ). I am a resident of Ohio and live on a fixed income. The cash advance was {$1300.00}. NetCredit deducted a {$130.00} ( 10 % ) " XXXX XXXX XXXX '' up front, so I actually received only {$1200.00} in funds ( shown on my statement as " XXXX XXXX '' ). My complaint concerns the recurring " XXXX XXXX XXXX '' charged on this account. I was never given a clear annual percentage rate. The cost of this credit is built almost entirely from a " XXXX XXXX XXXX '' charged at the end of every billing cycle. My statement discloses this fee as {$5.00} per {$100.00} borrowed, rounded up to the nearest XXXX, per cycle. Because my billing cycle is semi-monthly, the fee is charged about XXXX times per year, which is equivalent to roughly 120 % per year, on top of the 10 % up-front cash advance fee.…

I have been contacted by XXXX collectors for a NetCredit bill of {$1000.00}. I completed a mortgage refinance XXXX years ago and contacted NetCredit to find out what was owed so I could pay it off. I was given a {$2100.00} debt which the company I worked with sent me a check to send to them for the debt and have it paid off. A couple months after I was alerted that I still owed them {$1000.00} which is all interest. This would have been taken care of when I first paid it off but no one gave me a {$1000.00} interest debt. That amount stayed the same for almost XXXX years when it was sent to a collection company. I have already paid what they told me I owed to pay it off and {$1000.00} added as interest is over the top. I would like to get some help to put a stop to the harassment for this. I feel that I am being asked to pay a different amount then what was originally owed

My wife was contacted several times by phone concerning an outstanding account with CashNetUSA. She did not accept the calls but was suspicious when we received a bill from the company. We contacted the company to report the identity theft. My information was correct, but another email was used. The company demanded a police report and took no actions to close the account immediately. I have since provided the police report and demanded they close the account and reverse any actions taken against my credit report. This has been an extreme inconvenience as I have had to take time off from work to create the paperwork after they allowed this account to be opened without my consent.

They say I owe {$3000.00} I only borrowed {$2300.00} in late XXXX of XXXX. XX/XX/XXXX I made my first payment of {$330.00} on XX/XX/XXXX. Only 7 days later CashNetUSA took unauthorized and unexpected withdrawal from my account on XX/XX/XXXX of {$380.00}. This unexpected and unauthorized withdrawal caused me to incur a {$36.00} overdraft fee. Because of this, I removed CashNetUSAs ability to withdraw any other monies from my account. Instead, I mailed checks to CashNetUSA on this schedule : XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$500.00} I have pictures of all XXXX cancelled checks So I have paid {$2600.00} so far on a {$2300.00} loan. Cash net says I still owe {$3000.00} The rep said my interest rate is like 289 %! Is that allowed in the XXXX? CashNetUSA is {$320.00} ahead on the deal. They continue to harass me. I want them off my back and I want to hold them accountable for unauthorized deduction. Thank you

I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

The interest rate is outrageous. I can not pay that on top of everything else. I need assistance and theyre not helping

I recently became aware of a payday loan account that is being reported in my name. However, I do not recall applying for, authorizing, receiving, or otherwise entering into this loan agreement. After discovering the account, I reviewed my records and was unable to locate any documentation showing that I applied for the loan, signed a loan agreement, received loan proceeds, or otherwise authorized the transaction. Because I do not recognize this account, I am concerned about the accuracy of the information being reported. I am requesting that the company provide documentation supporting the account, including the loan application, signed agreement, method of identity verification used, records showing any funds that were disbursed, and any records demonstrating that I authorized or received the loan.…

To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3.…

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and anxiety, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.