Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : XXXX XXXX XXXX XXXX XXXX, XXXX for Illegal Debt Collection on Disputed and XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone : XXXX Description of the Problem : I am filing a formal complaint against XXXX XXXX, XXXX for knowingly violating federal and state consumer protection laws by purchasing and attempting to collect on a debt that is both illegal under Florida law and explicitly protected by a formal cease-and-desist notice issued by my legal representative. 

This account originated from XXXX XXXX XXXX who issued a high-interest loan to me in the state of Florida that exceeded 300 % XXXX, in violation of Florida Statute XXXX, which caps XXXX at 18 % for loans under {$500000.00}. The loan was made without a valid license to operate in Florida, and its issuance constitutes criminal usury under state law. The loan is also a textbook example of an illegal rent-a-bank scheme, which has been condemned by state and federal regulators. 

Following this, I issued a formal cease-and-desist and dispute letter to NetCredit, notifying them XXXX : The debt was illegal under Florida law All collection XXXX must cease immediately Any third party to whom the debt was transferred would be named in active legal proceedings The matter was under review by federal and state authorities Despite this clear and legally binding notice, XXXX XXXX, XXXX XXXX XXXX the account and is now attempting to collect on a debt that is : Illegally originated Formally disputed Covered under cease-and-desist Subject to litigation and federal oversight Their actions are not only unethical, but flatly illegal under the following laws : Applicable Legal Violations : FDCPA XXXX XXXX Code XXXX ( c ) XXXX Continuing communication after a cease-and-desist FDCPA XXXX ( XXXX ) ( A ) : Misrepresentation of the character, amount, or legal status of the debt FDCPA XXXX ( XXXX ) : Attempting to collect an amount not permitted by law Florida Consumer Collection Practices Act XXXX XXXX. XXXX ( XXXX ) : Willful communication with consumer with knowledge the debt is disputed Florida Consumer Collection Practices Act XXXX ( XXXX ) : Claiming the right to enforce an illegal debt Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Dodd-Frank Act XXXX : Purchasing and attempting to enforce a loan that was illegal from inception Enforcement History and Pattern : XXXX XXXX XXXX XXXX should have conducted due diligence before acquiring this debt. Instead, they purchased an account : That they knew was under regulatory review That they knew was being actively litigated That was subject to prior notice that all third parties involved would be held liable This is reckless, abusive behavior and XXXX XXXX has now made themselves legally and financially liable for attempting to enforce a loan that was never valid under state law and is uncollectible. 



Requested Resolution : I am requesting that the CFPB : XXXX. Open an investigation into XXXX XXXX, XXXX for unlawful debt collection XXXX. Refer this matter to the Federal Trade Commission, Florida Attorney General, and any other relevant agency XXXX. Issue penalties or sanctions for the willful violation of consumer protection laws XXXX. Ensure all collection activity is halted immediately XXXX. Ensure that no negative credit reporting is filed against me in relation to this account XXXX. XXXX XXXX involvement as part of a larger illegal lending and collection scheme XXXX. Enforce restitution and civil accountability where appropriate I am submitting supporting documentation including : My cease-and-desist letter to XXXX  The email from XXXX  confirming the sale of the account to XXXX XXXX This conduct is predatory, illegal, and part of a known and ongoing pattern of XXXX  that must be addressed. I am prepared to pursue this further through litigation and media exposure if necessary.

Company response to consumer: Closed with explanation