Payday loan, title loan, personal loan, or advance loan -- Problem with additional add-on products or services -- Complaint #17801046
Complaint Overview
Complaint ID: 17801046
Company: Enova International, INC.
Product: Payday loan, title loan, personal loan, or advance loan
Sub-Product: Personal line of credit
Issue: Problem with additional add-on products or services
State: Louisiana
ZIP Code: 70072
Date Received: 2025-11-21T12:00:00-05:00
Date Sent to Company: 2025-11-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint regarding a loan that was fraudulently opened in my name for an initial amount of {$2900.00}, which has unjustifiably increased to {$4000.00} after three months. I did not authorize or apply for this loan at any time. I discovered the fraud on XX/XX/XXXX. The police report confirming that I am a victim of identity theft was issued and provided on XX/XX/XXXX. I later filed formal disputes with the credit bureaus on XX/XX/XXXX. Despite submitting clear evidence, including the police report, the company improperly closed the case on XXXX XXXXonly one day after receiving the documentationwithout conducting a proper or thorough investigation. Additionally, the company made false and unfounded accusations, claiming that this issue was the result of a supposed conflict with my spouse, with whom I have lived for more than 18 years and share accounts. This claim is not only incorrect but completely unrelated to the identity theft incident. On XX/XX/XXXX, I formally requested that the company review my case again, as their initial investigation was clearly insufficient. The company agreed to reopen the case ; however, once again, they closed it the next day without conducting a proper review and without considering the evidence provided. This shows a clear pattern of negligence and superficial handling of the investigation. Up to this point, I have completed every required step : I filed the police report, disputed the loan with the credit bureaus, provided all requested evidence, and formally requested that the investigation be reopened. However, the company has ignored official documentation, issued incorrect conclusions, and closed the case prematurely on two separate occasions. This situation has caused significant harm, including damage to my credit profile, emotional XXXX, and considerable time spent attempting to resolve an issue for which I am not responsible. I am requesting that the company be required to conduct a complete and fair investigation based on the evidence ; formally acknowledge the identity theft ; remove the fraudulent account from my credit reports ; and stop reporting any negative information related to this loan. I respectfully request the CFPBs intervention to ensure a proper review of this matter and to protect my rights as a consumer.
Frequently Asked Questions
What is Complaint #17801046 about?
Complaint #17801046 was filed against Enova International, INC. regarding Payday loan, title loan, personal loan, or advance loan specifically about Problem with additional add-on products or services. It was received by the CFPB on 2025-11-21T12:00:00-05:00.
How did Enova International, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Payday loan, title loan, personal loan, or advance loan) and describe your issue in detail.
Can I see other complaints against Enova International, INC.?
Yes, visit the Enova International, INC. company profile at readthecomplaint.com/company/enova-international-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.