Consumer complaint received 2021-03-29
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My name is XXXX XXXX XXXX. I'm writing this message on behalf of following up with your office regarding the correction of INCORRECT LATE PAYMENTS. I've been in communication with Net Credit, XXXX  & XXXX  multiple times. It's extremely frustrating to be in the situation because ALL parties have been grossly negligent in making their wrongs right. 

XXXX  & XXXX  has conducted several FAKE investigations and refused to make the proper adjustments to my credit score. Granted they have deleted a few of the Erroneous allegations but Net Credit continues to report INCCORECT LATE PAYMENTS every single month. 



There are multiple letters and supporting documentation on file that I've sent to XXXX & XXXX. Each time they have failed to properly protect me as a consumer and Net Credit has been allowed to repeatedly damage my CREDIT REPUTATION. 



I've also contacted Net Credit directly and have been told on multiple occasions that the LATE PAYMENTS have been placed on my profile in ERROR. However, as of XX/XX/XXXX the problem has not been addressed and continues to get worse. XXXX and XXXX are managers in your company that have basically ignored my request to speak with them to resolves these issues. XXXX contacted me ONCE to apologize and tell me that everything would be corrected with 30 days. I believe that was in early XXXX. I'm sure if you pull my file with Net Credit you can review the notes. 



We are in a GLOBAL PANDEMIC and I've NEVER requested a payment waiver or any type of lenience. Even though Net Credit has single handily, recklessly and irresponsibly ruined my CREDIT SCORE I've continued to pay ON TIME every single month. The is NO reason that a consumer should have to deal with such a traumatizing circumstance such as this. I'm a XXXX XXXX XXXX  and haven't been able to purchase any property due to the instability and fluctuation of my report. Therefore, Ive suffered a tremendous FINCIANAL LOSS due to this foolishness. 



The ENTIRE Credit System has MAJOR FLAWS that need to be addressed ASAP. There is ZERO ACCOUNTABLITY AND NO TRANSPARANCY. I'm beyond XXXX XXXX  because I've worked so hard a Single Mother to create a solid financial foundation on behalf of my children. In the last 5 Years I haven't been late on any of my other expenses and haven't had any new items to be reported. In the last 3 years I've paid over XXXX on a loan that was originally XXXX. My Payment is {$510.00} every month. I still have 2 more years to go so CLEARLY I would be paying close to XXXX before it's all said and done. I have a background of 20 years in the Banking & Finance Industry. At the time I got this Loan I was in need a breakthrough. Now, looking back on the terms every one of them is a perfect description of PREDATORY LENDING! 



The Credit Bureaus have failed us and it's a shame that we have to FIGHT over and over again in order to make things RIGHT. I subscribe to a Monthly Credit Monitoring services that keeps me informed on ALL of the discrepancies that are reported on a daily basis. I'm genuinely tired at my wits end with every aspect of this process. I can go on and on but for the sake of my SANITY I'm going to stop here. EVEN THOUGH I'M SAD, ANGRY & DISAPPOINTED I'M GOING TO KEEP GOING UNTIL I REACH THE FINSH LINE AND HAVE MY CREDIT RESTORED TO IT'S ORGINAL STATE. MAKE NOTE THAT I'M NOT GOING TO STOP. 


I HAVE A 100 % PAYMENT HISTORY ON ALL OF MY OTHER ACCOUNTS! 

PLEASE REVIEW THIS SUMMARY AND TIMELINE OF EVENTS. I've attached supporting documents and can provide additional information as requested. 



XX/XX/XXXX - 30 DAY LATE PAYMENTS *Fortunately those have been corrected. 



XX/XX/XXXX - 30 DAY LATE PAYMENT *Fortunately, this have been corrected. 



XX/XX/XXXX - 30 DAY LATE PAYMENT *Net Credit LOST my payment when I called regarding the 30 day late they completed and investigation. Once the payment was found they tried to correct it in the system and failed to do so correctly. There is STILL a 30 day late on my Credit Profile because of this. 



Supporting Documents Attached : XXXX & XXXX XXXX XXXX Payments XX/XX/XXXX - 30 DAY LATE PAYMENT *Fortunately, this have been corrected. 



XX/XX/XXXX - 30 DAY LATE PAYMENT *Net Credit made up a lie and said I owed the XXXX Cents. HOW IS THAT POSSIBLE? I always pay the exact amount that is requested on the Payment Portal. They are literally making up stuff. 


XX/XX/XXXX - 30 DAY LATE PAYMENT *At this point I realize that there is a huge SYSTEM ISSUE within Net Credit. There is no way that I'm late. I have a payment schedule that XXXX ( One of the managers sent me last year that keeps me on track. Even though they denied the system error I was standing firmly on this fact. 


XX/XX/XXXX - TWO 60 DAY LATE PAYMENTS *Whew, I can't keep up with all this stuff but I'm doing my best. Soon as I got the notification regarding the 60 day Late I called Net Credit and was told " THERE WAS A SYSTEM MALFUNTION AND ALL OF THEIR LOAN HOLDER GOT 60 DAY LATES IN ERROR what in the unethical, breaking the law, injustice is going on here? Please I need answers NOW?????? 


XX/XX/XXXX - 30 DAYS LATE XXXX made my payment on time, so I honestly have no clue as to what they are talking about. I have Paid this company so much money and have been treated very unfairly. 



I have MULTIPLE documents that can be provided per request.

Company response to consumer: Closed with explanation