Enova International, Inc. Payday Loan Complaint

Enova International, Inc. Payday loan department,

Payday loan Received a loan I didn't apply for Received a loan I didn't apply for District of Columbia

On Wednesday, - -, -, I routinely checked my bank accounts for balance and cleared payments. At that time, I checked - - Bank - which showed a deposit of $1100.00 ( see attached. ) I did not apply for, go online thinking about applying for, or call or write anyone in any attempt to get any payday or other loan. So I went directly to my bank, asked them how this company has access to deposit money in my account? The bank would only tell me that the transaction was authorized. So I closed that account with them and re-opened a new account. The lender is CashNet USA or similar name. The loan looks like it was deposited on -/-/- - to - in - ( - branch ) .I am a - resident, and was born and raised here. After speaking with - office last week, I was advised that currently this


I should say that from about - - through - -, I did in fact have a loan through CashNet, but paid it off in full and have documents from CashNet to prove it. So, someone went online and applied for a loan in my name. This current loan lists the account # - which is the same account # on my payoff documents. What benefit is it to a criminal to apply for a payday loan under a someone else 's name when i 'm sure at some point they had to be told the funds would be deposited into the pre-existing bank account - that the criminal could n't access? How did CashNet still have authorization to access my bank account in the first place - after i closed my account with them? How did CashNet issue a loan in - when it does n't have a license to do so, and it 's a prohibited practice in -? And now I 'm FORCED to take action, and lose time from work etc. I believe CashNet, through some layers of deception, deposited this money on purpose in hopes I 'd just and pay them. I did not sign anything, and whoever acted to make this current 'loan ' apparently relied on old data on me from my previous loan - ( in which i was living in - with a - licence and car registration ). In making this 'loan ', CashNet should have ( by law or just due dilligence ) bothered to verify who i am, current employer, address, phone, etc. on me including public records of me moving to -, changing car title and registration, and my driver 's license. Instead it appears they choose to 'slam ' me with this loan, and now expect me to pay back at usuary rates. This is no different than - - standing on a street corner and one SHOVES money in your pocket while the other yells " Yeah, that 's $1100.00 there - and now you owe us $5000.00 in interest, fees, and principle. '' This has got to stop! The federal government exists to protect it 's citizens from - like CashNet. Set a maximum " payback '' rate on all payday loans, AND make it a felony criminal offense to loan money and receive payback at ANY rate, or by any other terms that would cause a consumer to effectively pay higher than the maximum payback rate.