Consumer complaint received 2018-01-02
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I was approved for and received a small loan from CashNetUSA. This is not my first time to receive a loan from this company. The problem is I work for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where unexpectedly I ended up filing a Discrimination and Equal Pay Rights complaint agaist the XXXX XXXX that made it as far as the Hearing level. This has been a very intense case that took over 2 years to come to a settlement agreement. This was done just recently. Unfortunately I was placed on extended leave due to stress and once I no longer had leave on the books I no longer was receiving an income! I contacted CashNetUSA multiple times explaining my situation and that I take full responsibility of my debt to the company but have no way whats so ever to continue making payments until my XXXX case was over. I ensured CashNet that even if I lost the case I would be retiring receiving a full annuity after 38 years with XXXX Im finally going to receive a settlement amount and will start receiving my retirement so I will be able to take care of all financial obligations. 
My problem is with the interest this loan company is charging me for a small loan where something came up preventing pay day payments from being paid. During the time this hearing process has take until I signed an agreed Settlement amount I lost my home of 20 years, my car and just about everything I owen trying to survive as a single parent with XXXX boys and no income on top of surviving the XXXX XXXX XXXX thats thrown at you every time you ask for help! There is only one process available to an employee that is set up to support management. The XXXX XXXX has its own way of handling employees who are a threat to upper management. 
Because I was very informative keeping CashNet up to date with my lawsuit by writing letters, email and discussions on the phone, in an effort to avoid the high interest rates Im being charged. My total balance now is almost 3 times more then the amount borrowed. I have a feeling because this falls under their contract that Im going to be stuck paying the full amount including all interest during the 2 year waiting period. All said and done, Is there any kind of protection to individuals getting this type of loan that fall under the circumstances I have explained preventing me from making Pay day payments? I have another loan with a different company that is also a small pay day loan that has already sued me. I dont even know what the out come of that law suit even is. 
The hearing process for a XXXX XXXX employee is absolutely ridiculous the way it is set up forcing the employee to settle out, transfer out or take an early retirement due to what is known as forcing the employee and their family into starvation to get them to accept other options that dont serve justice! As you are aware Im sure the XXXX XXXX will avoid going to court in every way possible. 
I am one of the fortunate ones that was able to out starve them and I won my case! 
Do, Can you please guide me in any positive direction or give me advice on what I can do if there is a way, to avoid paying such high interest rates on a small loan? Please advise Sincerely XXXX XXXX

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