Consumer complaint received 2019-06-11
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I offered NetCredit a reasonable settlement amount which they dismissed and demand full payment which is completely insane. I had no idea after I paid {$3000.00} on {$3400.00} loan that I would have to pay an additional {$4000.00} to pay it off or continue making the payment and by the time it was paid off I would have paid many thousands of dollars. Here is the latest demand from NetCredit   : NetCredit NOTICE OF RIGHT TO CURE DEFAULT XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX, d/b/a NetCredit  XXXX XXXX XXXX XXXX. 
XXXX  XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX Email : XXXX Account : XXXX Default Amount : {$1500.00} Cure default before : XX/XX/XXXX Our records show that Loan # : XXXX funded on XX/XX/XXXX in the original amount of {$3400.00} has a default balance of {$1500.00} due to nonpayment of obligations on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX The total default balance includes {$160.00} in principal, {$1300.00} in interest and {$75.00} in late fee charges. 

If you do not cure the default amount before XX/XX/XXXX, then your entire outstanding balance may be accelerated and become immediately due and payable without further notice, demand, or right to cure. We may exercise our rights under the law including : ( 1 ) pursuing collections through a third party collections agency If you are late again in making your payments, we may exercise our rights without sending you another notice like this one.

Remember that we report payment activity to major credit bureaus, and late payments could hurt your credit score or damage your credit health. For this reason, it is crucial to resolve your past due balance as soon as possible. 

Please send all payments to NetCredit. You can sign in at www.netcredit.com to setup a payment online or call us at ( XXXX ) XXXX to speak to a representative about payment options. You may also mail payment to us at our address below. Our Collections Team is available Monday - Friday, XXXX - XXXX CT and Saturday, XXXX - XXXX CT. 

Sincerely, The NetCredit Collections Team XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, IL XXXX Phone : ( XXXX ) XXXX Email : XXXX Fax : ( XXXX ) XXXX XXXX To ensure delivery of important updates from  NetCredit please take a moment to add XXXX to your email address book. 

You can disregard this letter if you already made payment arrangements for the entire amount due ; or you filed for bankruptcy and received a discharge. Pursuant to applicable state law, this letter affords the consumer an opportunity to cure his or her default before the creditor will exercise its rights. 

XXXX Terms and Conditions Apply *** -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- THIS COMMUNICATION IS FROM A DEBT COLLECTOR AND IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- For California Customers : The state Rosenthal Fair Debt Collection Practices Act and Federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8am or after 9pm. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov. 

Help. Help. Help. Please tell these people to stop these insane demands and take a reasonable offer to settle this debt. 
XXXX XXXX XXXX

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