Consumer complaint received 2022-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX XXXX, Tx XXXX CashNetUSA Customer Support XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX, IL XXXX Cc : Federal Trade Commission Cc : Consumer Financial Protection Bureau To Whom It May Concern : Notice it is a fact, that I am a federally protected consumer, pursuant to 15 U.S. Code 7006 and 16 C.F.R. 444.1 ( d ) holder in due course, attorney in fact for any and all derivatives thereof for the surname I have been appointed and accept being the executor for all matters proceeding, and I hereby claim that I will autograph for my given name ( XXXX XXXX XXXX ) and as the agent and administrator in fact Notice, it is a fact, affiant is aware, that CashNetUSA Customer Support is a creditor as defined in 16 C.F.R. 433.1 ( d ) A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied in whole or substantial part to purchase of goods or services from a seller who ( 1 ) refers consumers to the consumers to the creditor or ( 2 ) is affiliated with the creditor by common control contract or business arrangement. 

Pursuant to 16 C.F.R. 433.1 ( b ) I am a consumer, natural person who seeks or acquires goods or services for personal, family or household purposes in accordance with. This loan request was to be used for personal, family and household purposes. 

Pursuant to 12 C.F.R. 1002.9 ( b ) ( 2 ) and 15 U.S. Code 1681a ( k ) affiant is aware you are unable to deny credit due to credit score. This is adverse action and violates consumer rights as well as Equal Credit Opportunity. 
Prohibited Practices 12 C.F.R. 1002.4 Regulation B contains 2 comprehensive prohibitions against discriminatory practices : 1 ) A creditor shall not discriminate against an applicant on a prohibited basis regarding aspect of a credit transaction. 

2 ) A creditor shall not make any oral or written statement, in advertising or otherwise applicants or prospective applicants that would discourage, on a prohibited basis, a reasonable person from making or pursuing an application.

A creditor may not advertise its credit services and practices in ways that would tend to encourage some types of borrowers and discourage others on a prohibited basis. In additional a creditor XXXX not use prescreening tactics likely to discourage potential applicants on a prohibited basis. Instructions to loan officers or brokers to use scripts, rate quotes, or other means to discourage applicants from applying for credit prohibited basis are also prohibited. 

I read all of your privacy policies and it says you gather information from third party sources to make determinations about me, my credit determination, and my account along sharing my information personally identifiable and anything else you deem fit to them. I found out not only is that illegal, but its violating my rights Pursuant to 18 U.S. Code 1028A - Aggravated identity theft. ( Exhibit J ) The use of consumer disclosures not direct to the person being considered is illegal. You did not ask someone who knew me personally about me spending habits and as a result you charged be higher interest rates and that is illegal. 
All of the above are examples of fraud, false misrepresentation, conversion, RICO, breach of contract, and collusion is pursuant to 18 U.S. Code 1341 - Frauds and swindles is the appropriate statute.

I am requesting the Loan total requested be granted immediately. This was to be used for personal family household expenses. I was denied credit which isn't possible and this company gave me adverse action. I had to go with a worse consumer credit transaction. This was to be used for personal household food and clothing. No where in Chapter 15 does it state you can be denied for CREDIT, only employment and insurance. 

You have 7 days to respond. Should there be dishonor in the aforementioned requested documentation by way of unrebutted affidavit, failure to disclose requested documents, or failure of response and the particular requests to rectify any fault by CashNetUSA Customer Support herein, will serve as acquiescence and your agreement to a default judgment against your company for the dishonor in the negotiable instrument, bank fraud, creation of the false and deceptive form, mishandling of goods, compromising my relationship with other financial institutions and including stress caused to me in the attempt of exercising my rights in good faith. However, I do in good faith expect you to handle these matters with ordinary care to address all subject matter. Respectfully. 


JURAT Whereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it nunc pro tunc. 
I swear that all information provided herein and do so under penalty of perjury that the information is true, correct and accurate to the best of my ability and knowledge, so be it. 

XXXX XXXX, consumer/natural person

Company response to consumer: Closed with explanation