Consumer complaint received 2020-03-30
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Applied for a loan with this company on XX/XX/XXXX when I lost my XXXX and needed the funds for the XXXX. I have never missed a payment for a year. Paying {$410.00} every month beginning XX/XX/XXXX until I had a serious health setback the last week of XX/XX/XXXX and my XXXX would not authorize me to return to work until XX/XX/XXXX. I remained in touch with the company and tried to make good faith payments in the 5-months that  I was recuperating. Returned to work in XX/XX/XXXX. Tried to make a payment, but instead received an escalated COLLECTIONS letter to settle the debt for over {$2500.00}. The interest rate on this loan is 147.89 % I have paid on time over {$5000.00}. on this loan. The loan was {$3200.00}. The interest only is {$6000.00}. I was given the date of XX/XX/XXXX to settle this account by paying the full amount, even though I have suffered a XXXX and been unable to work until XX/XX/XXXX. I sent them a letter and stated that I was reaching out to the Consumer Finance Board, and they responded with a second email demanding an initial payment on XX/XX/XXXX of {$510.00}. and again every 2-weeks. for a total of {$1000.00}. every month. They also demanded my credit card number. I am not attempting to avoid my responsibilities to pay the principal. My history shows that I have acted in good faith, as I have thus far paid over {$5000.00}. I have been sick and I still am, but I have returned back to work at a time that they have decided to escalate the loan with an enormous settlement amount of {$1000.00}. every month. The new AB-539 law may not apply here when it comes to enforcing the repayment on this interest but I need protection, help and representation. The threat from this company is to report me to the credit bureau 's for something that couldn't be helped. I can't sleep or eat. The only offer from this company 5-months ago was for me to pay more in order to catch up on the back payments. In essence, they have actually been paid the principal of {$3200.00}. plus about {$1000.00}. or more in interest but they have applied all of this to the interest only and now the threat of ruining my credit when I am almost XXXX years old is unbearable. I have stayed in contact with this company and tried to pay them while I was on leave from work but What I thought I could borrow didn't work out. Now, I am back at work and trying to pay something and it only turned into a collections escalation at a time when I am still weak and the United States is in Crisis mode and California has been issued a State of Emergency. I am working around sick, coughing and sneezing individuals worried about how to settle this matter when I don't know what my legal rights are or if I even have any legal recourse. Please help me. I don't have a history of taking out loans I can't afford. I also have made my payments on time prior to my injury. This company has given me 2-different dates to pay the first one was by XXXX XXXX and the most recent email was a demand for me to make a payment of {$510.00}. by XX/XX/XXXX. This company also failed to offer me all of the options for me to pay ( check, routing number, money order, etc ... ). They only mentioned my credit card or debit card, and knowing that I suffered a XXXX, they want me to speak with them, when they hung up on me twice when I did answer.

Company response to consumer: Closed with explanation