Consumer complaint received 2016-12-01
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
I got a payday loan from CashNetUSA and I told them that I did NOT want the loan if they needed the money before the 3rd of the month because unlike most people my S.S.I check does not come on the XXXX but it comes on the XXXX of the month. The employee made a verbal contract with me by promising that they definitely would NOT try to take the money before the XXXX. I was recently told by their employee 's that it DOES state on my paperwork exactly what I said, he said " Well, your are telling the truth, I am reading it right now and they did note on your account that they promised they would not try to get the money before the 3rd when your check arrives. 
I had a loan the previous month and paid it back a day early, I paid it that time with my MasterCard XXXX XXXX Debit Card. 
I got the first loan on XXXX/XXXX/2015 and paid it back the night of XXXX/XXXX/2015 as I said with my XXXX card with no problems. I got the second loan on XXXX/XXXX/2015 and when the first of the month came, even though it clearly states in their records in their own writing " Do not take the money out before the third of the month '' they did it anyway which took me from a positive balance to a negative balance of - {$220.00} and to top that of on the same day they took another {$35.00}. My loan was for {$200.00} and I was to pay back {$230.00} which as you see above they got, so they had no reason to take another {$35.00} the same day, but it gets much worse. 
I have XXXX set up to take their XXXX out of my account automatically every month and that is why I had a little over XXXX dollars in the account before they broke our agreement and took the money before the XXXX. Well on the XXXX ( the next day ) XXXX took their money, or at least they tried to and since CashNetUSA broke our legally binding oral agreement ( actually since by their own admission it was even written in my paperwork by them I guess they broke a written agreement as well ) so when XXXX could not get their money I was slapper with a second overdraft payment, I say second because when CashNetUSA put me in the negative that was the first overdraft fine of another {$35.00}. So at this point them breaking our contractual agreement so far cost me {$70.00} overdraft fee 's. 
Now get this, I had XXXX XXXX transfer money from my Debit Card ( S.S.I ) to my XXXX XXXX account to put me back in the positive and then on the date of XXXX/XXXX/2015 they took another unauthorized {$230.00} out that I did not owe them ( remember they got their money on the XXXX XXXX/XXXX/2015 Believe it or not I am not finished yet, just 4 days after that they went in to my account and took another {$35.00} which I obviously did not owe them and again was unauthorized. When all was done and finished they stole XXXX + XXXX + XXXX and cost me another {$300.00} in overdraft fee 's and since I did not have all of my rent it cost me another {$50.00} late fee, not to mention going the entire month begging for food. 
In all they cost me well over {$800.00} and of course I had no choice but to close my bank account To add insult to injury to this day they still say I owe them {$230.00} and turned me over to a collection agency and ruined the credit score I had worked so hard on for years. 
I have all of my bank statements from wells fargo and plenty of p [ roof, including many witnesses. 
By them breaking our oral as well as written agreement and taking the money out early when their own notes in THEIR handwriting clearly states by their own admission " Do not take the money until the XXXX ''

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