Consumer complaint received 2022-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
On XX/XX/2022, I received {$2700.00} from NetCredit in my bank account that I did not apply for. I called the company inquiring about the funds. I learned that on XX/XX/XXXX, an application was completed using my maiden name, an old address, an old telephone number, my social security number, my email, and bank account information for {$3000.00}. I received an emailed confirming that I was approved for {$2700.00} deposited into my bank account. The customer service rep informed me that I would have to file a police report for identity theft in order to refute the application. I told her that I want to give the money back because I didn't apply for it, she transferred me to a department that would allow me to do so, but after being on hold for 20 minutes, I hung up. I called again on XX/XX/XXXX, sharing the same information wanting to send the money back, I was placed on hold again, this time I waited for 30 minutes before I hung up. I called again on XX/XX/XXXX seeking to pay the money back but to also inquire about an email I received stating that my application with the same account number and application number as the approved application was denied. This time, to the rep, I stated that I would have my bank send the money back to them if I'm not able to give it back and that I'll report them to the police for entrapment because they wouldn't allow me to pay the funds in order to keep me in the contract and eventually having to pay the monthly installments. She also couldn't explain why I receive the second email that my application was denied. She transferred me and this time I waited an hour before it just disconnected the call. I called again today, XX/XX/XXXX, and for the first time, my number was recognized because before they couldn't locate my account because my phone number wasn't connected to the application and my name wasn't connected to the application. I always had to provide the account number in order for the rep to find my account. After I entered the last XXXX digits of social security number, I was placed on hold to be connected to a rep and after XXXX minutes, no one picked up. I hung up and called again, same thing happened. I haven't been able to speak with a live person since XX/XX/XXXX. I created an account online and have attempted to pay the loan, but when I clicked on " Make A Payment, '' I received the following message : Sorry, we are unable to process your request at this time. Please call us at ( XXXX ) XXXX for further details. With my husband, we launched our own investigation and found that CashNetUSA is affliated with NetCredit. This information is relevant because I have applied for payday cash advances from CashNetUSA, and the first time I did so, I was approved with the information that was used to apply to NetCredit. Based on the XXXX XXXX lawsuit when bankers were creating accounts using customers ' information, we believe a similar situation has taken place to explain how this happened to me.

Company response to consumer: Closed with explanation