Consumer complaint received 2020-10-03
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
NetCredit refuse to honor their agreement. I became quite ill and treatments were delayed due to COVID-19. To avoid defaulting I called NetCredit who set up a payment agreement to be paid off by certain date. I was informed that late payments or derogatory information would not be submitted to my credit report after paid in full. Loan was paid off earlier than agreement. Despite agreement NetCredit reported 30 days late on my XXXX  Credit Report. I called NetCredit for resolution. The customer service staff had difficulty with understanding or handling this type of issue. Seem totally foreign to NetCredit staff. I spoke with XXXX ; thats the name she gave me. XXXX did not know what to do she left me on hold for long period. XXXX returned to the phone and told me that I would need to send NetCredit my Full credit report in order for me to be considered for having 30 day late removed. I ask XXXX why full credit report was needed? She was unable to answer. I called collections and the male rep who answered phone gave me the same lame answer and did know why my Full credit report is needed. I told him I could send the portion of the credit report that pertains to NetCredit but felt it was unnecessary, extreme and breech of privacy to send you my complete report. I asked NetCredit what were they looking for on my report. You have record that you sent this derogatory information to the credit bureaus. Why additionally, does NetCredit need me to go through the trouble to order a full history of my credit report. Im not applying for another loan and will never go through another one of your high interest loans. None of the representatives ; including a Supervisor was able to explain why it was necessary. I was given the feedback line as a means to escalate. A feedback line is not an XXXX XXXX to escalate a problem. Please look into this matter. This companys communication is very challenging. Information is not pass along efficiently or accurately. The left hand does not know what the right hand is doing. Im asking NetCredit to please consider removal as agreed. I have successfully paid off as agreed ; earlier as agreed. I do not feel I should be forced to give them my full credit report. Who does that? No other agency ask for these over the top prerequisites to be considered for removing derogatory information. I dont understand why this agency is so punitive with a client who was committed with paying them back their money. Despite illness and circumstance I made the sacrifice to make sure they were paid. I requested that they make good on their promise. I requested a 30 day late payment to be removed and their having me jump through hoops ; this process seem violating and just plain wrong. Again I should NOT be forced to pull a full credit report before NetCredit will even consider looking into this matter.

Company response to consumer: Closed with explanation