Consumer complaint received 2016-08-29
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
I seen a commercial for CashNetUSA.com and called them in regards to getting a loan to buy a new computer. The first thing that I said to the employee at CashNetUSA was that I do not get my S.S.I direct deposit until the XXXX of the month, and I said " so if you guys try to take the money out of my account before then it will not be there ''. I said " So if you guys need the money back before the XXXX, I will have to skip it and not get a loan! '' the employee said that would not be a problem and stated that they would make a note of it on my fileI got a loan of XXXX, bought the computer, and even paid them in full one day early. Well, that hurt me even worse than I originally anticipated and cut in to my grocery money, and a couple other bills. So the next month, I got another loan, for the same amount.The problem I had with them is that they tried to take the money out of my account on the XXXX of the month even though the employee promised they would not try to take the money before the XXXX because it obviously would not be there.The next morning I found out that CashNetUSA had tried to get the money out of my account BEFORE the XXXX, even though when I opened an account with them I made it clear that I would have to pass on the loan if they needed the money before the XXXX. In fact, when I called them to complain that morning the CashNetUSA employee said " Oh yeah, you did tell them that you did not want the loan if they needed the money before the XXXX ... it is written right here in our notes! '' To make a long story short CashNetUSA claimed they never got their money and so I thought that the reason I was missing so much money was that Wells Fargo charged me some outrageous penalty for CashNetUSA trying to take the money out a day earlier than they said they would, but it turns out I was wrong, CashNetUSA not only got that money, they added an extra XXXX to it actually, they came back a took it a few days later, but they did something that is not only deceitful and unprofessional, but incomprehensible as well. As you will read below, they took the XXXX not only once but a second time a few days later and as you will read below, much more than that. I can only say that this is so unbelievable and scan less you will be as shocked as I was when I got copies of my bank statements. CashNetUSA literally stole hundreds of dollars out of my bank account, and much worse. here is the rest of the complaint : According to XXXX XXXX records that they sent me in a .PDF file BECAUSE OF CashNetUSA TAKING MONEY OUT on the morning of the XXXX my account went from a positive amount of XXXX to a negative amount of XXXX after CashNetUSA taking XXXX yet they are still saying that they were NOT paid and have even turned me over to collection agency. They did get the money according to above transaction on the XXXX. It is very important to note that the CashNetUSA employee promised me when i called to inquire about a loan i told them that i did not want the loan if they were going to need the money before the XXXX of the month because my ssi does not come until the XXXX. their own records show that we discussed not taking the money out until the XXXX and even their own employee 's admit it is written in their records " do not take money before the XXXX '' by them doing so it put me at XXXX i had to pay XXXX on a little XXXX debit card payment to XXXX games due to them putting me in the negative. then on the XXXX CashNetUSA took another XXXX XXXX my balance on the XXXX was good my balance was XXXX until CashNetUSA took the money before the XXXX despite their own notes stating that they promised it would not be taken out until the XXXX when my ssi came.their negligence taking their money a day earlier despite our agreement took me from a XXXX to XXXX on the second i received an email in which they admitted it was their fault for taking the money earl

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