Consumer complaint received 2026-06-08 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 am submitting a complaint about a high-cost open-end line of credit serviced by NetCredit and issued through XXXX XXXX XXXX XXXX XXXX XXXXI opened the account in XX/XX/XXXX. The credit limit was approximately {$1000.00}. The product was presented as an open-end line of credit, but the fee structure has caused the account to become extremely expensive and difficult to repay. The agreement charges a 10 % Cash Advance Fee each time funds are requested, meaning the amount deposited is less than the amount added to the account balance. For example, a later statement shows a {$400.00} cash advance produced only {$360.00} in advance proceeds, and a {$150.00} cash advance produced only {$130.00} in advance proceeds, while the full {$400.00} and {$150.00} were added to the account balance. In addition to the cash advance fee, the company also charges a recurring Statement Balance Fee every billing cycle while there is a cash advance balance over {$25.00}. My billing cycle appears to be every XXXX weeks. This recurring fee is separate from the 10 % fee charged when money is advanced. The statements combine these charges under Total Fees Charged, which makes it difficult for me to determine how much I paid in one-time cash advance fees versus recurring biweekly statement balance fees. My statements show that I have been charged very large amounts in fees despite the credit limit being around {$1000.00}. XXXX statement from XX/XX/XXXX shows total fees charged in XXXX of {$540.00}. A XX/XX/XXXX statement shows total fees charged in XXXX of {$1000.00}. A XX/XX/XXXX statement shows total fees charged in XXXX to date of {$290.00}. Together, the statements I reviewed show approximately {$1900.00} in total fees charged across XXXX, XXXX, and XXXX to date. The problem is that the recurring biweekly XXXX XXXX Fees appear to be consuming my payments and income without meaningfully reducing the balance. For example, a XX/XX/XXXX statement showed no new cash advances during that billing cycle, but a {$36.00} Statement Balance Fee was still charged. A XX/XX/XXXX statement also showed no new cash advances during that billing cycle, but a {$32.00} Statement Balance Fee was charged. This suggests a significant portion of the total fees are recurring balance fees, not just the one-time 10 % fees charged when funds are advanced. I believe the companys fee structure is confusing, harmful, and potentially unfair or abusive because the account can remain near the credit limit while recurring fees continue to be charged every XXXX weeks. The year-to-date fee totals do not clearly separate one-time cash advance fees from recurring statement balance fees, making it difficult for a consumer to understand how much of their payments are going toward principal versus repeated finance charges. I am asking the CFPB to review whether this high-cost open-end line of credit, including the 10 % cash advance fee and recurring biweekly Statement Balance Fee, complies with applicable consumer financial protection laws and whether the disclosures and statements adequately explain the true cost of the product.

Company response to consumer: Closed with explanation