Consumer complaint received 2017-02-06
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Not much happened other than the capitalist rise in America! 

Due to divorce I had to file bankruptcy. My credit was great until divorce. The ex was not helping with our debt anymore so I filed for bankruptcy. 

This has begun a long arduous journey of restoring my credit. Because I am post bankruptcy I did not have access to any loans. I got many credit card offers, many of them at the max APR and usually with a $ XXXX $ XXXX+ annual fee, just to have the low balance terrible interest card. 

I did have access to installment loans. Little did I know how terrible they are. I have had XXXX now, maybe XXXX. Each one ends up in a new XXXX towards the end of it 's lifeline. 

The credit system in America needs to be seriously reconsidered. As it stands it is 100 % pro business and NOT pro consumer. When I try to rent a house through a rental agency, they check my credit and I get denied often. I am basically limited to apartments, duplexes, and town homes because my credit score. This is very discriminating. Without knowing why my credit may look the way it does, I am denied access to a home and limited to multi occupant housing like apartments. I am not low income, just low credit score. Where I live, most apartments are for low income. 
When I do manage to find a place that will let me live there I call the utility company to get my services turned on. They check my credit too and based on the score will charge me astronomical deposits. They will base it on credit first, but then say it is based on the the previous occupants average usage. This is garbage. Again, I am discriminated against because of my credit score. My ex wife gets off scotch free. She never had credit. I did. So in divorce I was hit with everything. She did n't need to be part of the bankruptcy because she had no credit. 
When I go to get a new cell phone I have to pay a higher premium because my credit is low. I ca n't buy a phone for a reduced price because I have bad credit. 
This is basically the issue with all industries. Most can discriminate against me based on my credit score, which means I have to pay more than others because I had to file bankruptcy due to a nasty divorce. 
This also forces me to use other means to acquire cash to make big purchases. 
Those other means? Installment loans and payday loans. Some of the worst possible credit decisions you can make. They cost too much and have interest rates as high as 600 %. 
I got an installment loan for XXXX ... I have been paying for about 6 months now and I will still have paid them XXXX by the time I finish. That is n't include what I have paid in 6 months. So I get a small loan to make a purchase like tires for my car, or something else important and I am stuck in a financial XXXX because again, my credit score ca n't even get me a {$500.00} loan to rebuild my credit. 
Banks shun you! 
Please fix the American credit system so people like me do NOT need installment loans. We need to fix it so we can get rid of these evil companies.

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