Consumer complaint received 2024-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
I received an email indicating I had been denied for a loan. I never applied for a loan. They told me I needed to file a police report within a very short amount of time. I don't really know what to file a report over. I have no information about this. I have tried to call, but you can't reach a person. I have emailed, but I get form responses with no information. 

Original email to me : Date : XX/XX/year>, XXXX XXXX XXXX XXXX XXXX 's Name : XXXX XXXX Account # : XXXX Application # : XXXX Applicant 's Address : XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX Dear Applicant : Thank you for your recent application. 

Description of Account, Transaction, or Requested Credit : Application for consumer credit Description of Action Taken : We have declined your application Principal Reason ( s ) for Credit Denial, Termination, or Other Action Taken Concerning Credit Income insufficient to meet credit obligation. 
If you have any questions regarding this notice, you should contact : Creditor : NetCredit Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Notice : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, XXXX, religion, national origin, XXXX, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. 

The federal agency that administers compliance with this law concerning this creditor is Federal Trade Commission, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Email Chain that followed, in part. All responses have been the same. 

Dear XXXX XXXX, Account # : XXXX This email confirms that you have contacted NetCredit regarding a claim of identity theft/fraud. We understand this is a serious, time-sensitive matter and will move quickly to handle the situation. 

Please be advised that before we can address this issue, you will have to file a police report with your local authority. Please notify your local authority to include your bank account information ( Bank Name, Last 4 digits of account # ) in the summary of the report. This will further safeguard your credit and may carry additional benefits should you choose to file with the credit bureaus as well. 

Also, please provide a signed letter from you with your name, address, date of inquiry, lender name, and reason for removal. This information will be forwarded to the credit bureau in order to have the inquiry removed from your credit report. 

Please fax or email a copy of your police report and signed letter to XXXX or XXXX. Once we have verified the report, we will handle your claim within 5 business days. 

Please note that if we do not receive a police report within the next 7 days, your claim will be rejected. 

If you have any questions or concerns, our XXXX XXXX XXXX is available Monday Friday, XXXX XXXX XXXX and Saturday - Sunday, XXXX at ( XXXX ) XXXX. 

Sincerely, The NetCredit XXXX XXXX XXXX XXXX : ( XXXX ) XXXX Email : XXXX Fax : ( XXXX ) XXXX www.netcredit.com Original message : Please tell me what the email below is about. I have not applied for any credit. I am concerned about identity theft. I am copying my assistant on this email- you can " reply all '' to this email and she can follow up with you if I do not hear back within a day or two. 

Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation