Consumer complaint received 2016-08-16
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
Cnu Online Holdings , LLC operates as a subsidiary of Enova Online Services , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX dba CashNetUSA in the United States. CashNetUSA debited an unauthorized amount of {$80.00} from my checking account on XXXX XXXX, 2016. I called CashNetUSA to update my pay day scheduled prior to this unauthorized debit. On XXXX XXXX, 2016 my husband who is a " XXXX Veteran '' and I also spoke with a " Supervisor '' named " XXXX XXXX. '' ( He would not give us his last name ), did not apologize for this but reluctantly refunded the {$80.00} back to our " Joint Checking Account ''. " XXXX XXXX. '' told me and my husband that going forward these unauthorized debits would not happen again. Also that I needed to call CashNetUSA to remind them not to debit any monies for the balance owed until my next scheduled pay period which was XXXX XXXX, 2016 and XXXX XXXX, 2016 with the final debit for the remaining balance on XXXX XXXX, 2016 due to the " Labor Day '' holiday which falls on XXXX XXXX, 2016. On XXXX XXXX, 2016, CashNetUSA debited {$80.00}. 

I called CashNetUSA on XXXX XXXX, 2016 and XXXX XXXX, 2016 to remind them that my next scheduled pay day was XXXX XXXX, 2016. I was told that they had my updated pay day and they would debit {$80.00} on XXXX XXXX, 2016 which they did. My balance was XXXX after the debit. But my account showed that my next debit due date was XXXX XXXX, 2016 instead of XXXX XXXX, 2016. On XXXX XXXX, 2016 CashNetUSA debited my account in the amount {$90.00} which caused our checking account to be " Overdrawn '' by the amount of ( {$92.00} ). I called CashNetUSA on XXXX XXXX, 2016 to advise them of the " Unauthorized '' debit of {$90.00}. 

The " Customer Reps '' told me they had no record of me sending them my updated pay scheduled. I ask to speak to a " Supervisor '' and she also told me that there was no record of my updated pay period that I sent to them via email on XXXX, 2016. But I have a return email from " XXXX XXXX. '' the first " Supervisor '' that I spoke with on XXXX XXXX, 2016 acknowledging he had received my updated pay dates. The " Supervisor '' said that it was nothing they can do about the " Unauthorized '' debit because per CashNetUSA it was scheduled for XXXX XXXX, 2016 instead of XXXX XXXX, 2016. My current is {$12.00}. But we have been caused great financial harm and our checking account could be closed by XXXX XXXX XXXX XXXX XXXX because of this " Unauthorized '' debit. 

I am demanding that CashNetUSA refund my {$90.00} that was stolen from my account by them and to refund the " Overdraft '' fees in the amount of {$58.00} that we have incurred do to their negligence. We are asking for a " Total Refund '' Amount of {$140.00}. CashNetUSA is defrauding us of our funds, yet their company headquarters is in XXXX. We thought their main headquarters was the State of Delaware. We were even asked and encouraged to " Borrow '' {$80.00} from CashNetUSA by their supervisor " XXXX XXXX. '' on XXXX XXXX, 2016 before he agreed to return the {$80.00} from the first " Unauthorized '' debit that was done on XXXX XXXX, 2016. 

I want all " Consumers '' in the United States that have seen the commercials on TV or the internet regarding the ease of borrowing money from CashNetUSA, DO NOT BORROW MONEY FROM THIS COMPANY! They use fraudulent business practices to us the " Consumers '' that reside in United States. I believe because we are near the end of paying this deceptive, deceitful business called " CashNetUSA '' they want to drag this out by using the above described unsavory business practices to keep in an endless web of " Emotional Distress '' and " Financial Hardship ''. We have found the hard way. Do Not Use this company or any other " Pay Day Loan '' company to borrow money from. This may happen to you.

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