Consumer complaint received 2021-12-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Over the last 6 months Ive tried emailing and calling customer service. Im not sure if this company is even still in business. Nobody answers the phone. Waited for someone to answer multiple times after staying on the phone for over an hour and a half!!! After waiting that long the phone randomly just disconnects. 

This process has been a complete nightmare. I applied over 3 weeks ago and I just got another denial letter saying that they can not verify my income information. I have linked the lender directly to my bank, I have also submitted my actual bank statements to the lender and they still stated that they do not see the information. They do not answer the phone after being on hold for more than XXXX minutes. If they connect on the line the phone automatically drops the call. The weird part about this is that while your loan is pending you can never get anyone on the phone. As soon as the decision letter goes to the email, you are then able to get through and you are told to reapply all over again. 

NetCredit seems to be out of business. They tried to take double payment out this month and I can't reach ANYONE there. The phone hangs up and/or keeps ringing. If I got a call back, it was a bot who would hang up immediately. 24 hours trying to reach this predator lender is obscene. I am notifying my bank not to honor withdrawls. They declined my good debit card and changed contract terms to douhle payments until the end of it. I suggest XXXX XXXX run as fast as you can. According to reports online, they have been doing this since XXXX and people are very angry. I am contacting a lawyer. 


Literally theres hundreds of these complaints coming from Net Credit. Fraud because I was trying to make a payment but same thing kept happening to me hung up or could never reach anyone. Now trying to say I owe interest when Ive already made payments towards my loan. ( {$1300.00} ) Date : Mon, XX/XX/XXXX at XXXX AM I sent a voided check on XX/XX/XXXX. I really need this resolved because company keeps charging me even more which is unfair to me because I have been reaching out to you all and trying to make payments. The amount I owe now is ludacris. Please give my info to a manger or higher authority been dealing with this issue for awhile now. 


XX/XX/XXXX Original message : I cant never reach anyone when I call can you please do something so I can pay you all online this is really starting to irritate me XXXX XXXX Original message : I will have payment next week on Thursday for {$250.00} I need you all to stop charging me until I get caught up I will have {$300.00} the following week after that. XX/XX/XXXX & XX/XX/XXXX I tried calling you all by phone but call keeps getting disconnected. Have financial burden due to XXXX had to start new job in XXXX. 

XXXX XXXX Line of Credit Number XXXX Past Due Payments XXXX Past Due Amount {$1000.00} If you are experiencing financial hardship due to XXXX, we want to let you know that NetCredit is here to work with you to minimize the impact it may be having on your finances. A NetCredit XXXX  can work with you to help identify a flexible payment solution that fits your financial situation. Please contact us Worse company ever

Company response to consumer: Closed with explanation