Consumer complaint received 2018-12-14
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
In XXXX and XXXX, I did business with Cashnet USA ( cashnetusa.com ) a few times, and paid each loan off in full. My last loan with them was paid off on XX/XX/XXXX. 
I continued to receive email solicitations from them although I unsubscribed. 
On XX/XX/XXXX I received an email from them saying " Your Application is Almost Complete '' as well as another one with " CashNetUSA Login Instructions '' which seemed suspicious to me, as I had not taken any action with them since XXXX ; so I replied to the email and asked them to please unsubscribe me, and that I hadn't used them since XXXX. 

This morning, on XX/XX/XXXX I saw an email from Cashnet USA titled " Payment Reminder '' as well as another one titled " CashNETUSA Login Instructions ''. 
When I opened the " Payment Reminder '' email, it stated that my " loan has been funded '' which I found highly alarming as I have not applied for any loan nor did I WANT to apply for a loan. The email went on to state that I would owe {$2000.00} due XX/XX/XXXX. 

I logged in to my XXXX XXXX bank account and saw a {$1600.00} deposit dated XX/XX/XXXX with advice showing " cashnetusa ''. This alarmed me further because this was a new XXXX XXXX account from when I last dealt with CashNETUSA. 
I then searched my email for any further information and saw a message dated XX/XX/XXXX from CashNETUSA that I had overlooked, titled " Congratulations! Your Loan is Approved '' with attachments : a disclosure statement, a Credit Access Services contract, loan agreement/promissory note truth-in-lending disclosures, and an ACH voucher with my old XXXX XXXX account number on it. 

I called XXXX XXXX at XXXX XXXX  CST and spoke with XXXX filed a fraud claim and then called CashNETUSA at XXXX XXXX CST and spoke with XXXX to let her know that this loan was not authorized. XXXX advised me to file a police report and fax it to XXXX and/or scan & email it to XXXX XXXX at XXXX XXXX also advised me that the best course of action would be to pay CashNetUSA just the principal {$1600.00} and then have XXXX XXXX stop any further ACH payments from my account. 
So, I went to XXXX, reset my password, logged in, and set up a payment of {$1600.00} for the SOONEST business date of XX/XX/XXXX XXXX it would not allow me to select same-day payment ). 

My husband XXXX XXXX called CashNETUSA and spoke with a different agent, he was informed that I could rescind the loan and it would be as though it never happened, and that agent cancelled the {$1600.00} payment dated XX/XX/XXXX. 

So I called CashNETUSA back and spoke with XXXX, and asked to rescind the loan. XXXX waived the fees and interest and processed a new payment for {$1600.00} dated XX/XX/XXXX. I am not sure the purpose of why the first payment was cancelled if the process is just to enter another one. 


Upon close review of the documentation sent over with the " Congratulations '' email, it shows that the IP address of all of the " signed '' documents ( disclosures, ACH voucher, CAS contract, etc. ) show XXXX on XX/XX/XXXX and the IP address is " XXXX '' which isn't a specific address. The IP XXXX is your own local computer. This means that someone within the CashNETUSA organization initiated this loan on my behalf, and probably did not expect me to raise a concern. 
I am sure many people in dire straits during the holidays would be grateful for an extra {$1600.00} in their account and not think of the consequences of then being debited $ XXXX on XXXX XXXX! This concerns me because it makes me question how often this organization has been doing this, and to how many people!!

Company response to consumer: Closed with explanation