Consumer complaint received 2023-07-18
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing this letter to express my deep dissatisfaction and concern regarding the lending practices of Net Credit. I believe I have been subjected to predatory lending tactics, and despite reaching a settlement with Net Credit in XXXX, my payments have not been acknowledged properly. Additionally, I have been coerced into another agreement that I did not sign, further exacerbating my financial situation. 

Firstly, I must emphasize that I was involved in a settlement with Net Credit, that XXXX XXXX XXXX had made while working on my behalf ( please find settlement agreement attached ) Net credit agreed to a settlement in the sum of {$2300.00}. Of that settlement {$2300.00} has been paid to NetCredit which is not reflected on the balance shown on my credit report. The actual balance owed is {$26.00} ( please find proof of payments attached ) I lost the settlement in XXXX during the pandemic when a draft did not get processed while I was living in XXXX due to the pandemic. On my return I was informed the settlement was lost for the {$26.00} I owed. I did attempt to call Net Credit to reinstate the agreement to pay the balance of {$26.00}, but they coerced me into another agreement of {$2400.00} that I did not sign nor wanted to do, I hung up the phone due to the aggressive tactics. And yet they still did not acknowledge I had already paid {$2300.00} and will send the balance of {$26.00} to close this, saying that doesn't count anymore. 

Despite providing clear evidence of my payments, I have not received any acknowledgment or adjustment in my account, leading me to believe that Net Credit is purposefully neglecting to update my records accurately to hurt my credit and accuse more money out of me than agreed in XXXX. This not only creates undue stress and uncertainty for me but also calls into question the ethical practices of Net Credit. 

I demand the following actions from all credit reporting agencies : 1.A thorough investigation into my account to rectify the discrepancies in my payment records and provide an accurate account statement reflecting the payments I have made. 
2. The removal of Net Credit on my Credit report with your agency An immediate termination of the unauthorized agreement that was forced upon me, along with the removal of any associated fees or penalties. 
3. An assurance from Net Credit that no further unauthorized actions will be taken regarding my account, and that any changes or agreements will be made with my explicit and informed consent Lastly I will pay the {$26.00} which was the balance due on the settlement I agreed to on XX/XX/XXXX I expect the removal of Net Credit on my Credit report 30 days from the date of this letter. If my concerns are not adequately addressed, I will have no choice but to escalate this matter to relevant consumer protection authorities and seek legal counsel to protect my rights as a borrower. 

Sincerely, XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation