Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Consumer Statement Timeline Contacted about debt/ Voicemail threatening employer contact XX/XX/year> Told debt moved to Berkley Pressured on call/lawsuit mentioned Authorized {$320.00} one-time payment under pressure and duress XX/XX/year> Told to call back for future payments No receipt or pay schedule documentation provided {$1500.00} charged without authorization XX/XX/year> Dispute filed with bank XX/XX/year> I am submitting a complaint regarding a debt collection matter involving deceptive practices, lack of proper authorization, and intimidation tactics by multiple parties. On XX/XX/year>, I was contacted regarding an alleged debt that had been charged off in XX/XX/year>. I initially communicated with one collection company, which later informed me that the debt had been distributed to a third party identified as XXXX. During my interaction with XXXX, the representative, XXXX XXXX, was condescending, referenced potential legal action, and did not allow a meaningful opportunity to ask questions or negotiate. I was not provided with written validation of the debt, a breakdown of the balance, or any formal documentation. Under pressure, I authorized a one-time payment of {$320.00} only. I was explicitly told that I would need to call back to authorize any additional payments. When I requested documentation of this payment and a payment schedule, I was told that no documentation would be provided and that I should rely on my personal bank records as proof of payment. I was not provided with a receipt, confirmation, or any written agreement. I was told I would receive proof of payment after all payments were completed. I was also told these payments may not stop the lawsuit as a way to get a lump sum payment from me. Aside from one initial email from the original creditor, I did not receive any written communication, validation, receipts, or documentation from any collection agency despite requesting this information. However, a subsequent charge of {$1500.00} was processed without my authorization. I did not give permission for my payment information to be stored, reused, or charged again. There is no written or verbal agreement allowing recurring or additional charges. I have disputed this {$1500.00} transaction with my bank as unauthorized. In addition, I received a voicemail from the original collection company ( the company that distributed the debt to XXXX ) stating that they would be contacting my employer regarding this matter. I did not provide consent for my employer to be contacted, and this type of threat is inappropriate and distressing. The companies involved have : Failed to provide written validation of the alleged debt Failed to provide receipts or documentation for payments Refused to provide a payment schedule or written agreement Instructed me to rely on my own bank records instead of providing proof of payment Used coercive and unprofessional communication tactics Referenced legal action in a pressuring manner Processed a {$1500.00} charge without authorization Threatened to contact my employer without consent I am requesting : Full written validation of the alleged debt Proof that XXXX is authorized to collect on this account Documentation of all payments processed Confirmation that no further charges will be attempted Investigation into the collection practices of both companies involved I believe these actions may violate the Fair Debt Collection Practices Act and other applicable consumer protection laws. I am requesting that this matter be formally investigated and resolved.

Company response to consumer: Closed with explanation