Review and analysis of over 90 Installment Loan complaints against Enova International, Inc.
Enova International, Inc. consumers have reported over 90 official complaints related to Installment loan. Out of the 90 consumer complaints against Enova International, Inc., 20% were disputed by the consumer (i.e. the consumer was not happy with how Enova International, Inc. responded to their complaint) and 100% were processed in a timely manner. 0% of consumer complaints against Enova International, Inc. resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 0% resulted in non-monetary compensation.
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Enova International, Inc. Consumer Loan problems when you are unable to pay March 6, 2017 - I have contacted the lender and asked to refinance my high interest rate personal loan. The loan has been paid timely and is not delinquent. I have had a change in income and my husband is now unemployed. The lender refused to renegotiate terms with me including a lower interest rate so that I can remain current on the loan.... |
Enova International, Inc. Consumer Loan managing the loan or lease February 24, 2017 - On -/-/- I took out an installment loan with CashNet USAfor -. This was done over the internet. Payments would be - a month x - payments @ 189 percent. They never sent me a visible contract only partial. The women I spoke to there said the loan could be paid off sooner. The contract was not forthright nor visible. One month later - was due on -/-/2017, electronically, which was paid. However, they later demanded payment every 2 weeks. The first payment went all to interest and - to principle. Next payment before due contacted 5 times before due date, harassing me. ... |
Enova International, Inc. Consumer Loan problems when you are unable to pay February 6, 2017 - I recently learned of an usry law in Virginia that articulates a 12 % annual interest rate on these types of loans. I, unfortunately, took out several internet loans back in the summer. Upon learning of Virginia 's usry law, I contacted the - internet loan companies to negotiate a lesser interest rate. I was able to successfully negotiate a lesser interest rate with the first company. However, I called this company today and spoke to someone to inquire about the process of getting a lesser interest rate and was told that the interest rate was based on the contract for my state? I informed t... |
Enova International, Inc. Consumer Loan managing the loan or lease February 6, 2017 - Not much happened other than the capitalist rise in America! Due to divorce I had to file bankruptcy. My credit was great until divorce. The ex was not helping with our debt anymore so I filed for bankruptcy. This has begun a long arduous journey of restoring my credit. Because I am post bankruptcy I did not have access to any loans. I got many credit card offers, many of them at the max APR and usually with a $ - $ -+ annual fee, just to have the low balance terrible interest card. I did have access to installment loans. Little did I know how terrible they are. I have had - now... |
Enova International, Inc. Consumer Loan problems when you are unable to pay February 4, 2017 - Applied for a loan but lost my job afterwards.... |
Enova International, Inc. Consumer Loan problems when you are unable to pay February 3, 2017 - The loan company keep increasing my loan limits without informing me. I found out that my monthy increases when they increase the limit.... |
Enova International, Inc. Consumer Loan managing the loan or lease January 31, 2017 - Company took out an ACH without my authorization, stated in writing they did and were going to refund, however have not submitted the refund. Because of this, my checking account went negative and I incurred a fee.... |
Enova International, Inc. Consumer Loan taking out the loan or lease January 31, 2017 - I know it 's been said there is no blacklist, but I 'm being denied loans for all kinds of reasons, this - being the worst. This company denied me because- Our records show that you are a current customer. Oh really, I did n't know that.... |
Enova International, Inc. Consumer Loan problems when you are unable to pay January 27, 2017 - I was unable to make the remaining payment to Net Credit, therefore my account was sold by Net Credit to - - - per my credit file. Both are reporting as collection accounts with a balance of $1700.00. Since - - - shows the most recent activity, I believe the Net Credit account balance should be $0.00 and show as a charged off account.... |
Enova International, Inc. Consumer Loan managing the loan or lease January 24, 2017 - When I took out the loan with NetCredit in -/-/2014 I thought I would pay back the amount and be done paying them. Now after 57 payments of $85.00 every 2 weeks I have only paid $520.00 to the principal. The rest in all interest. The interest rate is 57.77 percent. Had I known this, I would never have agreed to continue with the loan. Here is the information from the loan paperwork. I just do not understand how a company can really do business like this. ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. FINANCE CHARGE The dollar amount the credit will cost you. Amoun... |
Enova International, Inc. Consumer Loan managing the loan or lease January 19, 2017 - On several occasions as a borrower, I have attempted to call both the local and head offices of this company, CashNetUSA, to find out what my balance was. I may have done this within just a few days of my last payment, but was told that information was not available to me. I would have to wait until the close of the next billing cycle in case there are " changes. '' I argued that there are changes all the time to the balances in my checking account, and the bank has no problem making those real-time immediate updates. During - of my inquiries, when I wanted to know what my balance would b... |
Enova International, Inc. Consumer Loan problems when you are unable to pay October 7, 2016 - in 2014, I got a loan from NetCredit. I had financial hardship and could not keep up with the loan payment. I tried to settle with - and was unsuccessful. - has ruined my credit for the last 2 years. I just informed that they sold the loan. I would like - to rescind that sale and stop ruin my credit profile.... |
Enova International, Inc. Consumer Loan problems when you are unable to pay August 31, 2016 - On - -, 2016 I took out a loan of $2600.00 from CASH NET USA with a payment of $450.00 per month and an interest rate of 185.76 %. I am retired, - years old and on a fixed income. I can no longer make these high payments. I have attempted three times to set up a payment plan with CASH NET USA and they have refused to work with me. I borrowed $2600.00, have paid $910.00 to date and my balance as of -/-/16 is $3100.00. I am asking for a payment plan that calls for a payment of $50.00 per month with no further accrual of interest. I will then be able to pay the accoun... |
Enova International, Inc. Consumer Loan problems when you are unable to pay July 23, 2016 - Net Credit continually calls my phone every day, sends emails even after I already told my situation that I am not able to pay at this time. The repeated robo calls into the weekend are annoying and excessive.... |
Enova International, Inc. Consumer Loan managing the loan or lease July 17, 2016 - I guess the sales person was so positive in getting me to take the loan, I ignorantly did n't read the fine print of the -. Of course they told me they were moving to these things called " Flex Loans '' due to possible future legislation over payday loans. Well having - ( I have - - insurance policies that are about good for nothing I 've learned ), I needed money fast because many dentists now expect payment up front and will send you any insurance reimbursements that come through after the work is done. I 'm a somewhat typical American living on $23000.00 a year at age - a... |
Enova International, Inc. Consumer Loan managing the loan or lease July 7, 2016 - I notified, through email, NetCredit that I was a -, received -, and that I requested relief under the SCRA from the date of notification. There was no follow up, so I called after they debited my account almost a month later with no adjustment. On the phone, - -, the agent refused to reduce the rate until my report date, I told them to refer to USC 50 section 516, and was told there would be follow up within 24-48 hours, and it 's now -/-/- with no follow up.... |
Enova International, Inc. Consumer Loan problems when you are unable to pay July 5, 2016 - NetCredit is a company that take advantage of people ... they approve your loan on line then hit you with 98 % interest ... all od course in small print..then charge you 2x a month. I took a loan out for $6000.00 ... once I found out the loan was to be taken out of my checking account 2x a month ( - ) I called and asked them to adjust to 1x a month ... they said they could n't do ... this was the biggest mistake I have ever made to take a loan out out with them ... I was unable to pay and got in touch to work something out ... they sent gave me minimal options and then sent a letter sayin... |
Enova International, Inc. Consumer Loan managing the loan or lease June 28, 2016 - When meeting with a Consumer lawyer for another matter, the subject of online installment loans came up as being illegal in the state of Virginia. In order to charge usury rates of more than 12 % the lender has to be licensed in Virginia. If their name is not this list, -, then they are not allowed to charge more than 12 %. Virginia law 6.2-306 states that a person can not waive away the rights to the usury laws of their state. Since, the contract is illegal it is not binding. I was told to revoke their ACH rights and to cease payments immediately. At that time I had already paid - for a... |
Enova International, Inc. Consumer Loan managing the loan or lease June 4, 2016 - I have an installment loan with cashnetusa. The loan is for -. They take roughly anywhere between - -- out of my account every two weeks making it very difficult to pay it back in full. I would like to know if this company is legitimate and if the " fees '' that they are charging are legal. ... |
Enova International, Inc. Consumer Loan problems when you are unable to pay April 24, 2016 - Back on - - I made a payment plan with CashNetUSA and was told that as long as I made a payment of $38.00 for the next year that I would be good. Well that was nor not the case on top of the $38.00 payment that I made they said they were to take out another $100.00 on the -.I never agreed to this. After calling them I am told and I also have an e-mail saying they do n't have to disclose any terms and conditions of the Loan. I want this loan written off cause I was never made aware of the terms and conditions of the payment plan. I was told that I would make a $38.00 payment fo... |
Enova International, Inc. Consumer Loan managing the loan or lease April 11, 2016 - I have been caught in a financial crisis for several months due to unexpected emergencies last year. NetCredit seemed to be a helpful source until recent financial education and counseling I received. I was also informed that NetCredit is in violation of the Military Lending Act. I have contacted NetCredit twice and have yet to received any return correspondence or assistance. What are my options in resolving this? ... |
Enova International, Inc. Consumer Loan taking out the loan or lease March 30, 2016 - NC Financial Solutions of Utah, LLC d/b/a NetCredit ( hereafter " NetCredit '' ) is loaning money to consumers in - and charging an annual interest rate of 150 percent. -. Code Ann sec 6.2-1501 ( A ) requires consumer finance companies charging a rate of interest in excess of 12 percent to first obtain a license from the - State Corporation Commission . NetCredit is not licensed as a consumer finance company by the - SCC. When questioned about the above, NetCredit claims that their - license authorizes it to make loans to - residents. ( 1 ) Utah does not even license this k... |
Enova International, Inc. Consumer Loan managing the loan or lease March 15, 2016 - I never took out a loan for Cash Net Usa and they began taking money out of my account. I never applied for one at Cash Net. Ever. I read the reviews and I can see others have had this happen. ... |
Enova International, Inc. Consumer Loan managing the loan or lease March 9, 2016 - I paid off the Loan yesterday -/-/2016 and today I when I look at my bank account I find that they took the pay off payment twice. When I called them I was told that I set it up to pay if off twice. Which I did not do. I was told that it could take 10 to 14 days to get the overpayment back. When I asked about all the overdraft charges I was told that they would not refund them as I 'm the one that set the payment up twice. When I asked to speak with a manager I was put on hold and then hung up on. I have tried calling 3 time this morning and have gotten nothing but the run around. ... |
Enova International, Inc. Consumer Loan taking out the loan or lease February 17, 2016 - Net Credit contacted me via email back in 2013, I believe, in response to an online lending application made through - -. I needed the money to offset additional college expenses for my daughter, so I accepted the loan offer and paid this loan on time without default at any point with an interest of 160 %. During the initial conversation and on a subsequent loan offer, they advised they were licensed to offer loan products in Virginia. I agreed to the second loan terms, secured by my checking account with a 160 % interest in -/-/-. Shortly, thereafter, I began receiving work and per... |
Enova International, Inc. Consumer Loan managing the loan or lease February 8, 2016 - I recently learned that a high-interest online loan I have with NetCredit is not legally binding in the state of Virginia. I notified the lender who responded by stating that their license in the State of Utah allows them to do business in Virginia. ... |
Enova International, Inc. Consumer Loan taking out the loan or lease February 5, 2016 - The purpose of this complaint is based on a rejected loan application to the following : Cashnetusa.com -, IL - - - - Application was completed by phone on - - - at - and was rejected. Demographics for the applicant are the following : - Veteran, - - income only -, over -, no -. ... |
Enova International, Inc. Consumer Loan taking out the loan or lease February 4, 2016 - on - 2016 i received an email with a " thank you for your application '' from cashnetusa.com on -/-/2016 i received 3 more " consecutive emails '' from the same sender, stating that my loan was 1 : approved, 2 : my loan was being processed and 3 : my loan was deposited. i did not take any loan out, - dollars was deposited to my bank account without my authorization. nor did i ever create nor sign up for an account with cashnetusa.com or any other cash or load service like these online things.however, i recently signed up for - - cvard via - to purchase a laptop, i am not... |
Enova International, Inc. Consumer Loan problems when you are unable to pay January 4, 2016 - I applied for a loan with Cash Net USA last month when I desperately needed some cash to keep me and my family from being evicted from our home in -, VA. I was desperate at the time and admittedly I did n't read the " fine print '' in the loan documents. Cash Net needed my routing number and account number in order to deposit the money in my account. The loan was for $1000.00. But as it turns out, aside from using the information only to deposit the funds into my account, they also use the information to draft my account without setting up an autodraft with my lending institution. Once... |
Enova International, Inc. Consumer Loan managing the loan or lease December 1, 2015 - I had a payment for a loan with Net Credit due on - -, 2015. I called to pay off the entire balance of the loan but had to use a different checking account than the one I was using for the loan. The representative for Net Credit advised I would need to mail a check from the different bank account in and it would need to be processed for me to use a that different account. I then asked if I could pay with a debit or credit card and the representative advised I could. I told the representative I would call back on - - and pay off the loan with a debit card because it would be quicker... |
Enova International, Inc. Consumer Loan managing the loan or lease managing the loan or lease November 30, 2015 - I have an installment loan in which payments $210.00 are deducted bi-weekly. I had a loan payment which was due on - - 2015, however, my paycheck was deposited early and I wanted to make sure that the loan payment was made. I spoke with an agent on -/-/2015 to arrange payment for the -/-/2015 payment which was subsequently deducted from my account on -/-/2015. Today, -/-/2015, I noted that an additional charge of $7.00 drafted from my bank account. I contacted the company and was told it was a fee for paying early. I was at no time advised of this while making... |
Enova International, Inc. Consumer Loan managing the loan or lease managing the loan or lease November 14, 2015 - I have a cash net installment loan. This is my - loan with the company. Received loan in - and this has been the loan in which I have had so many fraudulent experiences with, with the maximum amount. Yet, being that I have had - other loans with them in the past I know how payments should be applied. On - separate occasions I have paid additional money on the loan and realized that my number of payments had not decreased and final payment had not decreased. When extra money is paid in addition to what is due on the date I have always seen the funds be allocated in the manner which... |
Enova International, Inc. Consumer loan taking out the loan or lease September 22, 2015 - These people are charging 275.85 % on a $800.00 pre-approved loan. The first months payment would be $200.00. That is just over - of the total amount borrowed. $160.00 is interest and only $40.00 is principle. I did not apply for the loan and do not intend to but I 'm sure many gullible poor people will. If it 's not illegal it should be. ... |
Enova International, Inc. Consumer loan managing the loan or lease July 28, 2015 - they collected more than what I owe and they did it without proper communication. At first they stopped collecting for - months giving an impression that the loan was paid. They also called me last month and left a message offering a new loan. All of a sudden they resume collection in -, - when I called them they said that I still owe & - which baffles me because I have been paying this loan since -/-/- and should have been done last -/-/-.They took a sum of $300.00 ache in my bank last -/-/-. No payments has been collected in the months of - - and - which... |
Enova International, Inc. Consumer loan managing the loan or lease June 22, 2015 - Lender was unable to explain to me why my balance owed is more than originally presented to me at application. ... |
Enova International, Inc. Consumer loan problems when you are unable to pay May 25, 2015 - I took a $1200.00 internet loan out in -/-/- and was set up on 8 month installment loan and when the date became due I called Cash Net USA back to advise my medical conditions going and would not be able to pay. Was told it was okay and they would work something out with me, instead they went into my bank account and withdrew the funds causing a major overdraft on my account so I stopped pay on all payment and ach withdraws. Since that happen Cash Net USA has called me every day - times a day and now they are calling my references and on -/-/- they called my son phone and left a... |
Enova International, Inc. Consumer loan problems when you are unable to pay May 14, 2015 - I am on social security - and when I took out the loan for $800.00 I did not realize that when the loan was paid that I was paying them $2300.00. They knew I was on - and that my income was fixed. Also my - is a - that causes to not understand and know what I am really signing. I paid back over $1600.00 to them and could n't any more. At the end of every month I had no money or food until - on the - of the month. I even called to make other arrangements but they said no. So I stopped paying them and a couple months ago made a payment arrangement with me for $99.00 a m... |