Consumer complaint received 2018-04-16
Company: ENOVA INTERNATIONAL, INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for loan with Cashnet USA online onXX/XX/XXXX. I was approved for a line of credit. Which I thought was good. I wasn't aware that they would be taking money out of my account every payday. I didn't apply for payday loan and I was under the impression that a line of credit meant that you were to pay monthly just like you do with a credit card. Well it didn't happen. I received {$1800.00}. 

1.Advances and Other Debits {$1800.00} Fees {$270.00} Interest {$170.00} Account Balance {$2200.00} Amount Past Due {$0.00} Minimum Payment Due {$280.00}. Account Balance {$2200.00} Minimum Payment Due {$280.00} Payment Due Date XX/XX/XXXX 2.Previous Balance {$2200.00} Payments and Other Credits {$0.00} Advances and Other Debits {$0.00} Fees {$0.00} Interest {$200.00} Account Balance {$2400.00} Amount Past Due {$0.00} Minimum Payment Due {$300.00} Payment Due DateXX/XX/XXXX 3.Previous Balance {$2400.00} Payments and Other Credits - {$700.00} Advances and Other Debits {$0.00} Fees {$0.00} Interest {$200.00} Account Balance {$1900.00} Amount Past Due {$0.00} Minimum Payment Due {$290.00} Payment Due Date XX/XX/XXXX 4.Previous Balance {$1900.00} Payments and Other Credits - {$120.00} Advances and Other Debits {$0.00} Fees {$0.00} Interest {$190.00} Account Balance {$2000.00} Amount Past Due {$0.00} Minimum Payment Due {$270.00} Payment Due Date XX/XX/XXXX 5.Previous Balance {$2000.00} Payments and Other Credits - {$290.00} Advances and Other Debits {$0.00} Fees {$0.00} Interest {$170.00} Account Balance {$1900.00} Amount Past Due {$0.00} Minimum Payment Due {$250.00} Payment Due Date XX/XX/XXXX 6.Previous Balance {$1900.00} Payments and Other Credits - {$150.00} Advances and Other Debits {$0.00} Fees {$0.00} Interest {$180.00} Account Balance {$1900.00} Amount Past Due {$0.00} Minimum Payment Due {$250.00} Payment Due Date XX/XX/XXXX 7.Previous Balance {$1800.00} Payments and Other Credits - {$250.00} Advances and Other Debits {$0.00} Fees {$0.00} Interest {$160.00} Account Balance {$1700.00} Amount Past Due {$0.00} Minimum Payment Due {$230.00} Payment Due Date XX/XX/XXXX 8.Previous Balance {$1700.00} Payments and Other Credits - {$240.00} Advances and Other Debits {$0.00} Fees {$0.00} Interest {$150.00} Account Balance {$1600.00} Amount Past Due {$0.00} Minimum Payment Due {$210.00} Payment Due Date XX/XX/XXXX 9.Previous Balance {$1600.00} Payments and Other Credits - {$230.00} Advances and Other Debits {$0.00} Fees {$0.00} Interest {$140.00} Account Balance {$1500.00} Amount Past Due {$0.00} Minimum Payment Due {$200.00} Payment Due Date XX/XX/XXXX 10.Previous Balance {$1500.00} Payments and Other Credits - {$210.00} Advances and Other Debits {$0.00} Fees {$0.00} Interest {$130.00} Account Balance {$1500.00} Amount Past Due {$0.00} Minimum Payment Due {$190.00} Payment Due Date XX/XX/XXXX 11.Previous Balance {$1500.00} Payments and Other Credits - {$200.00} Advances and Other Debits {$0.00} Fees {$0.00} Interest {$130.00} Account Balance {$1400.00} Amount Past Due {$0.00} Minimum Payment Due {$180.00} Payment Due Date XX/XX/XXXX 12.Previous Balance {$1400.00} Payments and Other Credits - {$190.00} Advances and Other Debits {$0.00} Fees {$0.00} Interest {$120.00} Account Balance {$1300.00} Amount Past Due {$0.00} Minimum Payment Due {$170.00} Payment Due Date XX/XX/XXXX 13.Previous Balance {$1300.00} Payments and Other Credits - {$180.00} Advances and Other Debits {$0.00} Fees {$0.00} Interest {$110.00} Account Balance {$1200.00} Amount Past Due {$0.00} Minimum Payment Due {$160.00} Payment Due DateXX/XX/XXXX I have paid a total of {$2600.00} on an XXXX line of credit and still have to pay Line of Credit Limit : {$2000.00} Outstanding Balance : {$1100.00} Available Credit : {$950.00} Next Statement Close Date : XX/XX/XXXX Minimum Payment Due : {$160.00} Scheduled Payment Date : XX/XX/XXXX Please help me in this matter. I think that it should be against the law for companies to be allowed to take advantage of people of lower income. 

I. Account Opening Disclosures Interest Rates and Interest Charges APR for Cash Advances 299.00 % Paying Interest You will be charged interest from the Transaction Date. 
Fees Transaction Fees Cash Advance 15 % of amount of each cash advance Penalty Fees Late Payment {$18.00} or 5 % of the unpaid amount ( not to exceed {$100.00} ), whichever is greater I have never been late. This is predatory lending at its finest and the thing about it all is that the State of Alabama allows things like this to happen to people in need.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation