Consumer complaint received 2020-05-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
On XXXX XXXX 2020, I submitted a complaint to the Consumer Financial Protection Bureau, which read : I borrowed {$1800.00} from CashNet USA and have repaid {$2000.00}. The company has received ALL of its loaned amount back plus some. The problem is it still plans to collect another {$1300.00} meaning it will get {$3300.00} for the {$1800.00} borrowed. This is outrageous!!! Given the current state of our world, I beseech Cash Net USA to settle my account with one more payment by me paid via check in the amount of {$500.00}. 
At the time, I alerted CashNet USA of my complaint and requested a response. On XXXX XXXX, I received confirmation from CashNet USA of a payment arrangement to settle my account. The XXXX XXXX email states that {$200.00} would be due on XXXX XXXX. 
From that time forward began a series of communication on behalf of CashNet USA attempting to illicit more than the agreed upon amount from me. 
Instance # 1 : On XXXX XXXX I received an email stating I owed {$200.00} on XXXX XXXX when I had, just three days prior, received confirmation of the XXXX XXXX due date. 
Instance # 2 : On XXXX XXXX I received an email stating I owe {$1400.00}, but that CashNet USA would settle for {$700.00} adding {$500.00} to what I was told was due in the XXXX XXXX email. I countered that email and, in the interest of being a good customer, offered to pay {$550.00} rather than the {$200.00} communicated on XXXX XXXX   or the {$700.00} communicated on XXXX XXXX 
Instance # 3 : On XXXX XXXX CashNet USA responded stating I now owed {$1400.00} ( up from the {$1400.00} stated on XXXX XXXX. They went on to say they would accept {$550.00} with a payment of {$350.00} on XXXX XXXX and {$200.00} on XXXX XXXX. I agreed. 
Instance # 4 : On XXXX XXXX CashNet USA sent an email that read : As a result of several missed payments on your Line of Credit with CashNetUSA, the full outstanding balance of {$1400.00} is now due and payable. I IMMEDIATELY responded, as I had not missed a SINGLE paymentNOT ONE!!! I received a response that stated Please ignore the email that was sent today XX/XX/2020 regarding a payment planyou will not receive any more emails. 
I fired back a response that an apology was less than acceptable. This was a deliberate attempt by CashNet USA to scare additional funds out of me. This was calculated and threatening in nature. I filed yet another CFPB complaint demanding that my account be settled for the {$350.00} to be paid on XXXX XXXX due to CashNet USAs fraudulent attempt to scare {$1400.00} out of me. CashNet USAs response to that complaint was Oopssorry! Ridiculous!! Oh, but it continues! 
I paid the {$350.00} and the check CLEARED my bank account on XXXX XXXX!!! 
Instance # 5 : On XXXX XXXX, I received an email from CashNetUSA that read : Oops! A recent payment on your Line of Credit has returned as unpaid. We understand that this can sometimes happen. If these funds are now available, please let us know - well resubmit the payment ASAP with no additional payment processing fee. So, my check cleared three days prior YET CashNet USA tried to claim it was returned and tried to extort an additional {$350.00} from me under the guise of helping me out. I IMMEDIATELY filed a complaint with NO RESPONSE yet I suddenly got an email that read : This email is to confirm that your check has been received as of XX/XX/ 2020,  in the amount of {$350.00}. So, suddenly what wasnt received actually was received. Convenient! 
I pointed this amount and pleaded for CashNet USA to do the decent, ethical and moral thing and close my account as paid without requiring the XXXX XXXX payment of {$200.00}. I got no response to my pleas. I filed complaints to the Better Business Bureau, Federal Trade Commission and CFPB. 
Instance # 6 : On XXXX XXXX, I received an email that read : due to your recent communication advising that you no longer would like to continue with the settlement payment planthe settlement agreement is null and void. As of today XX/XX/2020,  your outstanding balance for your Line of Credit loan is {$1100.00}. I NEVER EVER communicated any such thing!!!! I ASKED for CashNet USA to be ethical and not greedy, but there response was to LIE and say I revoked the agreement that I DID NOT DO! They then AGAIN attempted to collect more money from me using a SCARE tactic! 
I informed CashNet USA that I found it fascinating that the moment I informed them that I reported their scare tactics used to illicit more money from me, they respond with another scare tactic attempting to illicit more money from me. 
Suddenly on XXXX XXXX, a payment of {$200.00} due by XXXX XXXX was again all that CashNet USA was seeking. 
Instance # 7 : I received in the mail today a letter dated XXXX XXXX informing me that I owe {$1400.00} by XXXX XXXX!!! I have NO words!!! 
So the despite claiming the emails sent to me demanding additional funds were sent in errorremember CashNet USA said Oops! despite those emails being mistakes, CashNet USA STILL mailed me a letter saying I owe {$1400.00} by XXXX XXXX. Was that an error as well???? 
CashNet USA enters into a settlement agreement yet then CONTINUOUSLY BARRAGES me for more money!!!! 
CashNet USA owes me more than an Oops!. CashNet USA needs to do what is moral and ethical and waive the {$200.00} due on XXXX XXXX and close my account TODAY as PAID IN FULL!!!!!

Company response to consumer: Closed with explanation