Consumer complaint received 2021-01-28
Company: ENOVA INTERNATIONAL, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I borrowed money from CashNet USA back in XXXX for I think XXXX. I did default of the loan. CashNet sent remaining balance to a third party collection agency in XXXX, XXXX XXXX XXXX. XXXX XXXX stated I owed XXXX. I set up a payment arrangement with them and paid of the loan in early XXXX. I received a letter from XXXX XXXX with the account number for CashNet stating the balance was now paid in full, owing XXXX. Thinking this loan has been satisfied, I have received at three different debt collection agencies stating I still owe. They threaten to serve me at work or at home. They will call multiple times to my spouse and family members trying to reach me. It is not until I actually speak with someone and explain the debt was paid and email proof to the collection agency, that I am believed. I have tried to contact CashNet twice to figure out why this debt is still out there. The first time a third party agency called back in XX/XX/XXXX, a rep from CashNet agreed the debt was sent out to XXXX XXXX and said I needed to speak to them because they must didn't send the paid in full information. I spoke to XXXX XXXX at that point who said it was taken care of. Then in XX/XX/XXXX, I received another third party agency stating the same : come to my house, come to my work etc. I emailed information over to this collection agency and was told they no longer had business with me and hung up. I called CashNet a second time in XXXX, the rep this time could only confirm that the debt had been sent out to a collection agency previously and had nothing to do with a collection agency collecting on a debt paid or not. Now yesterday, a third collection agency called XXXX XXXX XXXX, used a " independent '' contracting to call and harrass again me, husband and family to make sure I was home to give me certified papers. She eventually gave me the number to the 'filing party '' she was representing. I called XXXX with a case number of XXXX. The number belongs to XXXX XXXX XXXX. I spoke to a rep, XXXX, who pulled up my account said I owed for the same debt amount XXXX to CashNet. I again explained it was paid with XXXX XXXX. I gave him the account number and he said he was good and would send a note to CashNet. This should be the third note sent to CashNet that the debt is paid. I am at my wits end. XXXX XXXX said they received the debt in their office just 3 days ago. He could or would not explain how and where he obtained this debt, but did imply it starts with CashNet. I have tried calling them twice to no avail! I want this taken care of once and for all, but not sure who to contact to make collection on this stop. The rep I spoke with at XXXX XXXX gave me the documentation needed that states debt was paid off, she could not understand herself why the debt was still " out there ''. The second company I spoke to back in XXXX, I unfortunately don't remember who, but I do have the email I sent. It was sent to XXXX. Please help!

Company response to consumer: Closed with explanation