Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENOVA INTERNATIONAL, INC.
State: HI

Complaint narrative:
DO NOT CLOSE THIS CASE XXXX XXXX  PART OF CLASS ACTION WITH XXXX XXXX XXXX XXXX XXXX XXXX I am Suing Netcredit, XXXX XXXX  and XXXX XXXX. I expect all reporting on my credit file removed in 30 days until class-action is settled. I also expect any contact is made to my attorney above. If this complaint is closed with bogus attachments again and as duplicate complaint closed I will continue to reopen until all reporting is removed and harrassment charges will be filed until resolved. Netcredit broken state XXXX XXXX  XXXX XXXX  violated state law and now XXXX XXXX is continue to break not only Fair Credit Act laws but also state law. I am prepared to ligated all charges and proof over the last XXXX you have violated my rights. 

Immediately remove from my credit report to XXXX XXXX and XXXX in 30 days. 

Netcredit.com debt is not collectable and I currently have a lawsuit against XXXX XXXX for this reason Various states laws establish interest rate caps on loans issued by lenders. But its believed that NetCredits loans often exceed those caps in certain statesXXXX Florida is one of those states. Those loans are purported to be issued by a bank. But its believed that a court or arbitrator may conclude that ( 1 ) the true lender on those loans is NetCredit and ( 2 ) the state law of the borrowers residence applies to those loans. If that happens, the loans may be at least partly unenforceable in certain states. Florida being one of those states where I lived when applying for this loan I am trying to invalidate the loans obtained through NetCredit and not making any more payments ( and potentially getting money back ), for unethical loan practices State Law Background Various states have laws that cap maximum interest rate on loans. For example, one California law ( California Financial Code 22304.5 ) caps the maximum interest rate on certain loans by certain lenders at 36 % plus the federal funds rate. This is just an example. Other California usury laws apply to different loans. And Florida has similar interest rate caps I am Suing NetCredit in the mean time XXXX XXXX is trying to collect on a loan not enforceable and if they do not wish to be included in my lausuit then I am requesting they remove the reporting to all reporting agency XXXX XXXX and XXXX XXXX immediately. Since they have no legal right to collect on this debt that they violated the interest rate cap on the loan. I already filed a complaint with XXXX to establish the bases for my claim to have it removed from my credit report 1. Please furnish a copy of the original promissory note redacting my social security number to prevent identity theft and state under penalty of perjury that your client named above is the holder in due course of the promissory note and will produce the original for my own and a judge 's inspection should there be a trial to contest these matters. 
2. Please produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect.

3. Please identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding that alleged debt.

4. Please verify under penalty of perjury, that as a debt collector, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original maker of the note.

5. Please verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom that contract is extended could have rejected the clause without impunity. 22 6. Please provide verification from the stated creditor that you are authorized to act for them.

7. Please verify that you know and understand that contacting 4 me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment.

I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature or esigniture on it, copies of copies are not Validation and by Law are not considered proof, that you have on file for that account listed above.

22 Under the Fair Credit Reporting Act ( FCRA ), unverified, invalid accounts must be removed.

If you are unable to provide this to me with a copy of the verifiable/validated proof that you have on file within 30 calendar days for the account listed above

Company response to consumer: Closed with explanation