Consumer complaint received 2026-02-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
To that of a day or so priored ; XXXX would have written the Federal Trade Commission to XXXX of having examined attempting to apply for a XXXX Personal Loan or a XXXX Personal Line of Credit. Where as detailed to manner of the Federal Trade Commission report ; XXXX wasn't be allowed to login to any stated account therein to any manner of application process. Closer examination to the fine print of the Personal Loan ranging from {$1.00} - XXXX ; illustrated to manner of fine print non-directly oriented to that of the Consumer ; an XXXX Rate of XXXX %, extremely high, even higher then most Credit Card ranges from any manner of XXXX XXXX XXXX %. Where likewise there was an offer to a Personal Line of Credit ; albeit perhaps illustrated to some manner of Financial and Fees complexity to where any non-Financially orientational Consumer would hold hardshipped basis to any sense of determination as to the Financial viability of the Personal Line of Credit ; likewise to perhaps similar orientation. To likewise consideration of the underlying to perhaps more AI based scrutiny. " To consideraton of XXXX personal loan and lineofcredit products as advertised on their website. The company markets these products as flexible, affordable, and beneficial for credit growth, but the website does not clearly disclose the actual costs, APR ranges, or the full fee structure. The landing pages emphasize quick approval, nextday funding, and creditbuilding benefits, but they omit critical information about high fees, including Cash Advance Fees and Statement Balance Fees that can cause balances to grow even when making minimum payments. The lineofcredit product promotes features such as XXXX and XXXX XXXX as rewards, but these features increase the total cost of credit and may prolong indebtedness. Presenting these as benefits is misleading. The website also repeatedly encourages reborrowing by stating that customers can request funds at any time, which increases the risk of a debt cycle. The company highlights that checking eligibility wont affect your XXXX score, but this framing may mislead consumers into believing the product is lowrisk or lowcost. The website does not provide clear XXXX disclosures on the main product pages, preventing consumers from making informed comparisons. '' Of which the reporting of such stated malicious oriented XXXX XXXX, therein to high billing of XXXX was likewise met to some manner of " XXXX XXXX '' to consideration likewise of otherwise XXXX XXXX to non-directly associated prevalence ; Medical Debt being an otherwise largescale Debt manufacturing mechanism towards XXXX towards impairing quality of life and any manner of financial freedom. High XXXX rates differ from State to State ; perhaps to more lax State Legislation regarded to Debt Predatory Lending. To example XXXX has a XXXX range to consideration of XXXX - XXXX % APR ; whereas to example XXXX has between XXXX % and XXXX %. Illustrating to same manner of which company would potentially stand to " hike '' any rate terms upon any shared agreement. To example provided relevant to the Personal Loan ; XXXX takes out a {$4500.00} at XXXX % APR for XXXX Months with a payment of {$250.00} ; where his actual repayment if only making the minimum payments will be : {$13000.00}, with a total interest to twice the amount of the loan : {$8600.00}.

Company response to consumer: Closed with explanation