Consumer complaint received 2020-01-08
Company: ENOVA INTERNATIONAL, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XX/XX/2019, I was informed by NetCredit that your payment history has been satisfactory ( 0-29 days past due ) since the beginning of your payment history. 
On XXXX XX/XX/2019, I received an email from NetCredit stating I owed {$200.00} ( {$100.00} for XXXX XXXX and {$100.00} for XXXX XXXX ). 
On XXXX XX/XX/2019, I called NetCredit to make my XXXX XXXX payment. I was transferred to the Collections Department and informed the representative that I wanted to pay what was owed for that XXXX XXXX payment. I was told I owed {$100.00} and I approved the payment. This was on day XXXX, not XXXX. I paid exactly what I was told I owed. Had I been told I owed {$150.00}, I would have paid {$150.00}. 
At the end of the call, the representative stated my account was now current and my next payment was due on XX/XX/2019. I made that payment on XX/XX/2019. 
On XXXX XX/XX/2019, I received an alert that there was a change to my credit report. It read NC FINANCIAL has flagged your account as 30 days past due. I was baffled. I assert that this is fully due to an error on the part of NetCredit and am formally requesting an adjustment. I will also submit this request via the Consumer Financial Protection Bureau. 
I immediately contacted XXXX XXXX XXXX, Sr. Compliance Associate, via telephone and was connected to her voicemail. I left a rather frantic message. I then followed up with an email. 
I logged onto my NetCredit account and there was now a message which read Your payment due on Wednesday, XX/XX/2019 is now overdue. Please make a payment as soon as possible. Again, I called in and made my XX/XX/XXXX payment on XX/XX/XXXX. I paid what I was told I owed by the NetCredit Collections Department representative. 
I followed up with another email to XXXX XXXX on XX/XX/XXXX. At this time, my NetCredit online account showed I only owed {$100.00} for the XX/XX/XXXX payment. I logged on and paid that on XX/XX/XXXX. 
I again followed up with XXXX XXXX on XX/XX/XXXX. 
I finally received a response on XX/XX/XXXX. XXXX XXXX stated I actually owed {$110.00} on XX/XX/2019. She stated that since I did not pay that full amount, my account was reported as 30 days late for the XX/XX/XXXX payment. If I owed that amount, why did the Collections Department representative tell me I only owed {$100.00}? Why after I paid that {$100.00} did the Collections Department representative tell me my account was paid until the next due date of XX/XX/XXXX? Why was I never told I owed {$110.00}? 
Of course I would have paid the {$110.00} if the representative had told me that was what I owed! Why would I have allowed my account to go 30 days late over {$6.00}? That is absurd! Of course I would have paid what I was told I owed when I called in on XX/XX/XXXX! I DID pay what I was told I owed! 
To show that, I immediately made a payment of {$10.00} on XX/XX/XXXX. I would have paid that amount on XX/XX/XXXX, but was not told I needed to. 
At the start of the telephone call on XX/XX/2019, I was informed the call would be recorded. Locate that recording and you will hear exactly what the collections representative told me. 
I am being severely penalized over less than {$10.00}. Please remove the late report as it was due to a miscommunication in what was owed by NetCredit to me.

Company response to consumer: Closed with explanation