Consumer complaint received 2025-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
I applied directly through my XXXX account for a {$1900.00} line of credit. Was approved for {$1900.00} submitted all requested documents paystubs and state ID for verification. Verbally Passed two identity verification with providing my full social security number over the phone and answering a series of questions. 
XX/XX/year> : I completed identity verification using my correct Social Security number, and it passed. I received confirmation that my application was approved. My XXXX online account displayed the approval and the loan documents. 
XX/XX/year> : I received an email stating I needed to complete identity verification again. I called XXXX and spoke with a representative ( XXXX ), who ran my identity verification again using my correct SSN. It passed again. 
The representative then stated that the application had to be withdrawn because the Social Security number was off by XXXX digit. I did not request withdrawal ; it was done at their suggestion. 

During the call, the agent also asked if I was associated with another individual named XXXX XXXX, linked to an apartment in XXXX, Texas, which I have never been associated with. I have a prior identity issue where someone used my SSN and name in connection with a fraudulent address in Texas. This raises serious concerns about mixed-file or inaccurate identity data affecting my credit applications. 

After the withdrawal, my XXXX online account no longer displayed the approval or loan documents. It only showed the option to check my eligibility. There is no record of my previous applications or any case notes visible online. 

I called back again today due to only allowing to check my eligibility and giving a statement of no available offers at this time During the third call today, I asked specifically about escalating my case, obtaining documentation of the SSN discrepancy, and clarifying which credit report and SSN were used. The agent confirmed that no managers were available and that I would have to wait XXXX business days for a callback. 

During this same call agent stated she can see in the system My information and social security number may have been associated with another person or outdated third-party data from Even Financial dating back to XXXX, because the information transferred over to them was saved in their system which I did not use in this application. I applied directly on the XXXX  website with my log in information. I never applied in XXXX through this 3rd party company. 

The same agent confirmed they have no way to verify or confirm how the error occurred or see the error on how the social security number is one off. Agent confirmed both identity verifications passed with my correct social security number and my correct social security number was updated in the system. 

After the withdrawal, my XXXX online account no longer displayed the approval or loan documents. It only showed the option to check my eligibility. There is no record of my previous applications or any case notes visible online.

Company response to consumer: Closed with explanation