Consumer complaint received 2025-09-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
I have entered into a debt management plan with XXXX XXXX XXXX. I contacted a counselor who explained that they do not have a contractual relationship with XXXX XXXX  XXXX XXXX ( XXXX  ) and therefore can not assist me with my concerns. I am submitting this complaint to ask for your help. This is the letter I sent to XXXX for their review before I discovered they can not assist me. 

Request to Modify Debt Management Plan and Cancel EFT Authorization To : XXXX XXXX XXXX ( XXXX ) Support Department From : XXXX XXXX XXXX Client Number : XXXX Topic : XXXXXXXX XXXX XXXX XXXX ( XXXX  ) Loan Amount {$1300.00} Date : XX/XX/year> Request for Urgent Modification of Debt Management Plan Dear Support Team, I am writing to request an urgent modification to my current Debt Management Plan ( DMP ). I have recently added the XXXX XXXX XXXX XXXX ( XXXX  ) loan to my plan with a principal amount of {$1300.00}, along with its minimum payment schedule. Upon reviewing the payment obligations, I realized that the plan is financially unmanageable for me. The unaffordability of the payment schedule was not disclosed until several days after I had accepted the funds transfer. 
Hardship Arrangement Request Given these circumstances, I respectfully request that XXXX XXXX XXXX ( XXXX ) arrange a hardship plan or another suitable arrangement that will help me manage this debt more effectively and sustainably. 
Request to Discontinue Electronic Funds Transfer ( EFT ) Authorization Additionally, I am requesting that XXXX assist in discontinuing electronic payments by contacting XXXXXXXX XXXX XXXX XXXX or XXXX  to cancel all future EFT authorizations that I previously signed. According to the terms of my EFT agreement, the lender must be notified at least three business days prior to the scheduled payment processing date in order to successfully cancel the authorization.

Background of the Loan I acknowledge that my current situation is the result of my own decisions, having responded to an aggressive solicitation for a loan and completing a pre-approved application for {$1300.00}. Initially, I withdrew a {$200.00} advance, which resulted in a deposit of {$180.00} into my checking account. Later, I requested an additional {$300.00} but was subsequently given the full remaining credit limit of {$1100.00}. This established my total credit line as {$1100.00}. Before accepting the {$1100.00} transfer, I thoroughly reviewed the projected minimum payment schedule, which indicated payments of {$80.00} for XXXX and XXXX, followed by {$40.00} as the minimum payment. With the understanding that I could manage this payment schedule, I authorized the {$1100.00} transfer to my account. 
Conclusion I am seeking your assistance and guidance in restructuring my debt obligations and securing a modified payment plan that reflects my current financial capacity. I appreciate your prompt attention to this matter and look forward to your support in arranging both a hardship plan and the cancellation of my EFT authorization. 
Respectfully, XXXX XXXX XXXX Client Number : XXXX

Company response to consumer: Closed with explanation