Consumer complaint received 2024-02-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
Paid {$400.00} only XXXX cents paid on loan they ruined my credit need compensation XXXX, your loan offer is ready! 
Inbox NetCredit XXXX XX/XX/XXXX, XXXX to me NetCredit Congratulations! 
You have been matched with an offer for a NetCredit product! 
To view and customize your offer, simply click the button below : View Your Offer NetCredit is an online financial service provider that offers or arranges loans and lines of credit with flexible terms. If approved, you may receive your funds the next business day or sooner. 

If you have any questions, our Customer Support Team is available Monday Friday, XXXX XXXX XXXX XXXX CT and Saturday Sunday, XXXX XXXX XXXX XXXX  CT at ( XXXX ) XXXX. 

Thank you, The NetCredit Team View Your Offer NetCredit XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX XXXX View as web page All NetCredit loans and lines of credit are offered by a member of the NetCredit family of companies or a lending partner bank. All loans and lines of credit will be serviced by NetCredit. 

In states where NetCredit loans and lines of credit are offered by a lending partner bank, loans and lines of credit are underwritten by, approved by and funded by XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX d/b/a XXXX Bank. Refer to the Rates & Terms page for your state for more information. 

CA residents : NC FINANCIAL SOLUTIONS OF CALIFORNIA, LLC d/b/a NetCredit is licensed by the Department of Financial Protection and Innovation . Loans made pursuant to a California Financing Law license ( License No. XXXX ). 

Approved applications are typically funded the next business day. Applicants who submit an application before XXXX XXXX CT Monday - Friday may receive their funds the same business day. The exact timing as to when your loan funds will be available will be determined by your banking institution. Approval subject to additional verification. Failure to provide additional documentation promptly may delay funding.

If you request a Cash Advance between XXXX XXXX and XXXX XXXX  CT, you'll typically receive your money the same business day. Cash Advance requests after XXXX XXXX CT are typically funded the next business day. The exact timing as to when your loan funds will be available will be determined by your banking institution. 
You may not re-apply while you have an open loan.

Line of Credit Available Credit {$0.00} Your line of credit is past due in the amount of {$1100.00}. Please schedule an additional payment or contact us in order to bring your account current. 
Credit Limit {$2500.00} Account Balance {$3500.00} Past Due Balance {$1100.00} Next Due DateXX/XX/XXXX Minimum Payment {$170.00} Scheduled Activity You do not have a valid bank account and/or debit card on file. Please call us at ( XXXX ) XXXX XXXX if you wish to make a payment or set up your online payment method. 

Date Amount Type Status XX/XX/XXXX {$170.00} Payment Scheduled Recent Account Activity Date Amount Type Status XX/XX/XXXX {$120.00} Cash Advance Paid XX/XX/XXXX {$180.00} Payment Failed NetCredit Footer Logo ( XXXX ) XXXX XXXX XXXX XXXX How It Works FAQ Rates and Terms Our Story Contact Us News & Media Privacy Policy Terms of Use Opt Out California Privacy Policy Cookie Preferences Blog Sitemap Financial Resources Financing Types Approved applications are typically funded the next business day. Applicants who submit an application before XXXX XXXX CT Monday Friday may receive their funds the same business day. The exact timing as to when your loan funds will be available will be determined by your banking institution. Approval subject to additional verification. Failure to provide additional documentation promptly may delay funding. 

All NetCredit loans and lines of credit are offered by a member of the NetCredit family of companies or a lending partner bank. All loans and lines of credit will be serviced by NetCredit. 

In states where NetCredit loans and lines of credit are offered by a lending partner bank, loans and lines of credit are underwritten by, approved by and funded by XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX d/b/a XXXX XXXX. Refer to the Rates & Terms page for your state for more information. 

This website may utilize session replay technologies to collect, record and track data about how you interact with our website. By signing in or logging on to the netcredit.com website, you acknowledge and agree for NetCredit to utilize session replay technologies. Please visit our Terms of Use to learn more about how we utilize session replay technology to monitor and record interactions with our website. 

CA residents : NC FINANCIAL SOLUTIONS OF CALIFORNIA, LLC d/b/a NetCredit is licensed by the Department of Financial Protection and Innovation . Loans made pursuant to a California Financing Law license ( License No. XXXX ). 

XXXX NetCredit NetCredit LogoHello You may not re-apply while you have an open loan.

Line of Credit Available Credit {$0.00} Your line of credit is past due in the amount of {$1100.00}. Please schedule an additional payment or contact us in order to bring your account current. 
Credit Limit {$2500.00} Account Balance {$3500.00} Past Due Balance {$1100.00} Next Due DateXXXX XXXX, XXXX Minimum Payment {$170.00} Scheduled Activity You do not have a valid bank account and/or debit card on file. Please call us at ( XXXX ) XXXX XXXX if you wish to make a payment or set up your online payment method. 

Date Amount Type Status XX/XX/XXXX {$170.00} Payment Scheduled Recent Account Activity Date Amount Type Status XX/XX/XXXX {$120.00} Cash Advance Paid XX/XX/XXXX {$180.00} Payment Failed NetCredit Footer Logo ( XXXX ) XXXX XXXX XXXX XXXX How It Works FAQ Rates and Terms Our Story Contact Us News & Media Privacy Policy Terms of Use Opt Out California Privacy Policy Cookie Preferences Blog Sitemap Financial Resources Financing Types Approved applications are typically funded the next business day. Applicants who submit an application before XXXX XXXX CT Monday Friday may receive their funds the same business day. The exact timing as to when your loan funds will be available will be determined by your banking institution. Approval subject to additional verification. Failure to provide additional documentation promptly may delay funding. 

All NetCredit loans and lines of credit are offered by a member of the NetCredit family of companies or a lending partner bank. All loans and lines of credit will be serviced by NetCredit. 

In states where NetCredit loans and lines of credit are offered by a lending partner bank, loans and lines of credit are underwritten by, approved by and funded by XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX d/b/a XXXX XXXX. Refer to the Rates & Terms page for your state for more information. 

This website may utilize session replay technologies to collect, record and track data about how you interact with our website. By signing in or logging on to the netcredit.com website, you acknowledge and agree for NetCredit to utilize session replay technologies. Please visit our Terms of Use to learn more about how we utilize session replay technology to monitor and record interactions with our website. 

CA residents : NC FINANCIAL SOLUTIONS OF CALIFORNIA, LLC d/b/a NetCredit is licensed by the Department of Financial Protection and Innovation . Loans made pursuant to a California Financing Law license ( License No. XXXX ). 

XXXX NetCredit

Company response to consumer: Closed with explanation