Enova International, Inc. – CFPB Complaint

By on January 20, 2018
Consumer Complaint Submission

Date Received: 2018-01-04T00:00:00

Product: Payday loan debt

Issue: Written notification about debt

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: In XXXX XXXX, I received an alert from all three credit reporting agencies that an item was placed on my credit. Upon investigation, it was evidenced that XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX, reporting a collection matter of {$1100.00} to the various credit reporting agencies on XXXX XXXX, XXXX. The original creditor ‘s name on the collection matter is CashNet USA.

On XXXX XXXX, XXXX, I ed XXXX XXXX XXXX and spoke with XXXX XXXX XXXX to obtain clarification of the item placed on my credit, as I received no prior calls or letters from XXXX XXXX about this debt, giving me the right to dispute or understand the claim. I was told by XXXX XXXX XXXX that they spoke with me in XXXX XXXX, for which I have no knowledge of, and I made him aware that I had no memory or recollection of any discussion with XXXX XXXX about this debt. I have received strange threatening voicemails with disguised voices, which I have ignored and for which I can not say the origin of these calls, but I have not spoken to XXXX about this debt.

XXXX XXXX XXXX informed me that this matter is about a payday online loan obtained from CashNet USA around XXXX XXXX and became delinquent in XXXX XXXX. While I do recall using CashNet many years ago, I have not heard from CashNet or any other XXXX about a balance owed, and a request at this time is extremely strange. CashNet debits and take monies out of your account to settle your obligation to them. Also, I believed this debt was settled.

I asked XXXX XXXX XXXX to provide proof of an outstanding balance and how this was determined, as I have no records dating back to XXXX. He made me aware that he has no obligation to provide such information and that I should my bank to provide me with statements. My account has since been closed. Even banks statements by themselves would not tell but would only show that CashNet debited my account excessively with high interest amounts. A statement of account showing original loan, terms and repayments, any add on fees equaling the balance would help.

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I was recently informed that such loans are not legal in Virginia and the loan is void. I believe CashNet and XXXX XXXX XXXX is fully aware of this situation. CashNet and or XXXX XXXX XXXX should provide proof that this loan is n’t void, and until documentary proof of a debt and that the loan is n’t void, I do n’t think they should be putting this on anyone ‘s credit report.

Company: Enova International, Inc.

State/Zip: VA 220XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2771964

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

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