Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC.
State: NM

Complaint narrative:
This account was a loan where the payments were to be made bi-weekly.

According to the contract on page 5 If any payment can not be obtained by EFT, you remain responsible for such payment under the Agreement. You agree that we may resubmit any returned EFT as permitted by law and network rules. If you incur any late charges, you agree to allow us to add the amount of such late charge that comes due to your next scheduled installment EFT or to initiate a separate EFT for the late charge on the date of your next scheduled installment EFT. The amount of any EFT for a scheduled installment payment may be reduced by any amount we receive in advance of the EFT that reduces the installment due. You acknowledge that the origination of EFT transactions to the Deposit Account must comply with the provisions of U.S. law. and Instead of or in addition to any of the EFTs described above, you authorize us to process any EFTs you subsequently confirm by phone, fax, text message, email, or by logging into the online Loan account portal. 
On XX/XX/XXXX, I did not have the funds available and the EFT was not available. The EFT was resubmitted on XX/XX/XXXX, and again the funds were not available. On XX/XX/XXXX, an EFT was submitted to my bank, which was paid. 
On XX/XX/XXXX, I did not have the funds available and the EFT was not available. The EFT was resubmitted on XXXX, XXXX, XXXX, and again the funds were not available. On XX/XX/XXXX, an EFT was submitted to my bank, which was paid. 
On XX/XX/XXXX,, XXXX, I did not have the funds available and the EFT was not available. The EFT was resubmitted on XX/XX/XXXX, and again the funds were not available. On XX/XX/XXXX, an EFT was submitted to my bank, which was paid.

The contract gives express permission to resubmit EFTs which can not be paid at the time of submission and instead of or in addition to any of the EFTs described above, you authorize us to process any EFTs you subsequently confirm by phone, fax, text message, email, or by logging into the online Loan account portal.

The contract states that Payments will be applied first to satisfy any past due amounts owing, and then to any currently scheduled installment amounts owing. If you are past due, we credit all payments received first to the oldest past due amounts owing by applying such first to unpaid fees, second to accumulated but unpaid interest, and third to past due principal owing. We repeat the process until all past due amounts have been paid in full. If you are not past due, we credit all payments to the current or upcoming scheduled installment by applying such first to fees, second to interest, and third to principal as of the date received. 
According to the payment schedule, from the Netcredit website, no additional fees were ever charged and only the original amounts were charged. 
Netcredit resubmitted the EFTs on XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX, but never submitted any other additional amounts again. Netcredit did not attempt to resubmit the EFTs on XX/XX/XXXX, or XX/XX/XXXX. 
Had Netcredit continued to redeposit the EFTs as they previously had, and had not skipped XX/XX/XXXX, or XX/XX/XXXX, my payments would have never been over 14 days late, and all of the payments from XX/XX/XXXX, forward would have been on time and up to date. 
The final payment XX/XX/XXXX, for XXXX was made, however had the payments been pushed back then that payment would have been XXXX like the previous payments. 
I was never contacted by phone, email, or text regarding any missed or late payments, and when I saw the last payment made, I believed the account was closed. I received a collection call from Netcredit who advised I had a balance of XXXX. I asked Netcredit why the amount wasnt debited the same as the rest, they had no answer. I paid the full amount and believed this was over. When I checked my credit later after that, I saw that Netcredit was reporting that I was late 30 days late 33 times and 60 days late 1 time, with the worst payment status 90-119 days late.

I contacted the bureaus as well as Netcredit regarding this matter. Netcredit was very rude and not at all interested in looking into this matter. When I contacted the bureaus and advised the dispute Netcredit advised the information was correct.

I believe that Netcredit uses deceptive practices and prey on individuals who are in financial destress, intentionally servicing the high interest loans in such ways that keep these individuals needing their services. 
Attached is the XXXX  contract, a XXXX calendar showing the missed payment dates, resubmission dates, and the dates Netcredit could have resubmitted the EFTs., as well as the payment submission information from their website. 
I took this loan at a time of financial need for XXXX, and paid back a total of XXXX, paying XXXX in interest. Netcredit seems to be selectively following their contract and repayment/ resubmission of EFTs.

Company response to consumer: Closed with explanation