Consumer complaint received 2020-07-08
Company: ENOVA INTERNATIONAL, INC.
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX at XXXX, I was sent a payment reminder in the amount of XXXX for an upcoming payment due on XX/XX/XXXX for my account. 
I responded on XX/XX/XXXX immediately stating that I was affected by COVID-19 and was asking for payment arrangements. 
-- My email stated " I'm still affected by COVID-19. I'm trying to reschedule the payments -- -- coming up on XX/XX/XXXX but keep getting kicked out of the system ''. 
On XX/XX/XXXX at XXXX. NetCredit responded confirming that they can definitely assist and asked me to answer a few COVID-19 questions. 

I responded answering the questions. I continued to receive collection email notifications on XX/XX/XXXX, so I contacted NetCredit asking why I was receiving notifications when I responded asking to be set up on a payment arrangement. On XXXX/XXXX/XXXX, Netcredit collections responded as follows " We have notated your account that you have been affected by the Coronavirus, which will be reflected in our credit reporting. The special comment code that reflects that you were impacted by a natural/declared disaster is neutral so it doesn't impact your score. It just lets someone looking at the credit report know that the payment history/account status may be due to your being impacted by a natural/declared disaster, therefore, may not have been able to make payments as scheduled. '' Netcredit also responded on XXXX with the following information " We are sorry to hear about the trying times you are experiencing. I have notated your account with the information you have provided noting the impact of the virus. This notation will allow us to waive any late fees you may incur and will be open on your account for the next 90 days. If your circumstances change within that period or if you are still impacted after 90 days please be sure to reach back out to us. 

on XX/XX/XXXX, I paid the past due amount of XXXX. 
On XX/XX/XXXX, I noticed the credit bureau was updated to report the payments in the payment arrangements as late. I sent an email to NetCredit reporting this issue. They opened a case with their credit bureau department. 

NetCredit requested to receive a copy of my credit reports which I sent on XX/XX/XXXX. NetCredit confirmed receipt. 

On XX/XX/XXXX, I received a response that they were not changing my credit report because the payments were late. I called NetCredit on XX/XX/XXXX and emailed them to advise that I didn't agree with the response and was asking them to only remove the reporting of the payments on those months since I was on a payment plan. I didn't want them to say I was on-time or late. Most other financial loan companies, didn't report any payments ( late or on-time ) if you were on a payment plan due to COVID-19. Their email clearly says that they being on the payment plan would not negatively affect my credit score and that they where only updating the credit report with a flag that I was affected

b y COVID-19. .

Company response to consumer: Closed with explanation