Consumer complaint received 2026-04-14 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: FL

Complaint narrative:
On XX/XX/year>, I entered into an Open-End Line of Credit Agreement with XXXX XXXX XXXX XXXX XXXX , serviced by XXXX I took five cash advances totaling {$7000.00}, of which I actually received {$6300.00} XXXX deducted a 10 % " Cash Advance Fee '' ( {$700.00} ) before disbursement. The 19-page contract contains NO Annual Percentage Rate ( APR ) disclosure anywhere. The contract explicitly states : " Your Account does not have an interest rate like other traditional credit products. '' Instead, the company charges a " Statement Balance Fee '' every billing cycle based on the outstanding balance, plus the 10 % upfront Cash Advance Fee. Both are characterized as " Finance Charges '' within the contract itself, yet no equivalent APR is disclosed. Based on their own Minimum Payment Estimator ( which I have screenshots of ), the true cost of this product is as follows : for {$6300.00} received, if I make only minimum payments, I will repay approximately {$17000.00} total with over {$10000.00} going to fees alone. Each biweekly payment consists of approximately 58.7 % fees and only 41.3 % principal reduction. This fee structure is consistent with an effective APR of approximately 56-65 %, yet no APR was ever disclosed to me before I became obligated. When I requested a Truth in Lending disclosure after entering the agreement, a XXXX customer service representative told me on a recorded phone call ( XX/XX/year> ) that open-end lines of credit are NOT required to provide Truth in Lending disclosures. I do not believe this is correct under Regulation Z ( 12 CFR Part 1026 ), which explicitly covers open-end consumer credit plans and requires APR disclosure. I escalated my request in writing. On XX/XX/year>, XXXX responded by sending me a copy of the contract not a Truth in Lending statement or APR disclosure. On XX/XX/year>, when I requested a transcript of the recorded phone call in which their representative made the false statement about TILA exemptions, XXXX refused, stating a court subpoena would be required. I have copies of both response emails. I believe XXXX and XXXX XXXX XXXX XXXX XXXXXXXX have violated the Truth in Lending Act and Regulation Z by : ( 1 ) failing to disclose the Annual Percentage Rate for an open-end consumer credit plan prior to my becoming obligated ; ( 2 ) characterizing interest charges as " fees '' to obscure the true cost ; and ( 3 ) through their representative, making a materially false statement about my federal legal rights under TILA, which may constitute an unfair, deceptive, or abusive act or practice ( UDAAP ) under the Consumer Financial Protection Act. Additionally, I note that this product is structured as a " rent-a-bank '' arrangement in which XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Ohio ) is the nominal lender, allowing XXXX XXXX to export Ohio 's permissive lending laws to Florida, where I reside and where consumer usury protections would otherwise apply.

Company response to consumer: Closed with explanation