Consumer complaint received 2017-01-08
Company: ENOVA INTERNATIONAL, INC.
State: DC
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
On Wednesday, XXXX XXXX, XXXX, I routinely checked my bank accounts for balance and cleared payments. At that time, I checked XXXX XXXX Bank - which showed a deposit of {$1100.00} ( see attached. ) I did not apply for, go online thinking about applying for, or call or write anyone in any attempt to get any payday or other loan. So I went directly to my bank, asked them how this company has access to deposit money in my account? The bank would only tell me that the transaction was authorized. So I closed that account with them and re-opened a new account. 

The lender is CashNet USA or similar name. The loan looks like it was deposited on XXXX/XXXX/XXXX - to XXXX in XXXX ( XXXX branch ) .I am a XXXX resident, and was born and raised here. After speaking with XXXX office last week, I was advised that currently this company does not have a license to 'lend money ' to anyone residing here. ( CashNet USA 's website also confirms this. 

I should say that from about XXXX XXXX through XXXX XXXX, I did in fact have a loan through CashNet, but paid it off in full and have documents from CashNet to prove it. 

So, someone went online and applied for a loan in my name. This current loan lists the account # XXXX which is the same account # on my payoff documents. 

What benefit is it to a criminal to apply for a payday loan under a someone else 's name when i 'm sure at some point they had to be told the funds would be deposited into the pre-existing bank account -- that the criminal could n't access? 

How did CashNet still have authorization to access my bank account in the first place - after i closed my account with them? 

How did CashNet issue a loan in XXXX when it does n't have a license to do so, and it 's a prohibited practice in XXXX? 

And now I 'm FORCED to take action, and lose time from work etc. 

I believe CashNet, through some layers of deception, deposited this money on purpose in hopes I 'd just and pay them. 

I did not sign anything, and whoever acted to make this current 'loan ' apparently relied on old data on me from my previous loan - ( in which i was living in XXXX with a XXXX licence and car registration ). In making this 'loan ', CashNet should have ( by law or just due dilligence ) bothered to verify who i am, current employer, address, phone, etc. on me including public records of me moving to XXXX, changing car title and registration, and my driver 's license. 

Instead it appears they choose to 'slam ' me with this loan, and now expect me to pay back at usuary rates. 

This is no different than XXXX XXXX standing on a street corner and one SHOVES money in your pocket while the other yells " Yeah, that 's {$1100.00} there - and now you owe us {$5000.00} in interest, fees, and principle. '' This has got to stop! The federal government exists to protect it 's citizens from XXXX like CashNet. Set a maximum " payback '' rate on all payday loans, AND make it a felony criminal offense to loan money and receive payback at ANY rate, or by any other terms that would cause a consumer to effectively pay higher than the maximum payback rate.

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