Payday loan, title loan, personal loan, or advance loan -- Struggling to pay your loan -- Complaint #18083679
Complaint Overview
Complaint ID: 18083679
Company: Enova International, INC.
Product: Payday loan, title loan, personal loan, or advance loan
Sub-Product: Personal line of credit
Issue: Struggling to pay your loan
State: Wisconsin
ZIP Code: 531XX
Date Received: 2025-12-02T12:00:00-05:00
Date Sent to Company: 2025-12-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX I called and requested to get my personal line of credit to be stopped due to financial hardship. I was simply asking to get my line of credit to be put into a state of forbearance or deferment to stop accruing the ridiculous 299 % APR I had on my line. It was bloating too much for me to reasonably pay. They gave me an option to stop the auto pay but that's it. My line of credit would still be charged interest and now I'm also going to have have pay a fee for late repayment. Eventually I figured that I wasnt going to be able to pay them back and called on XX/XX/XXXX to request my account to be put into collections before it ballooned into something I couldn't reasonably pay in the eventual outcome that it would be put into collections. I knew if I didnt win the lottery or got some serious financial help it woild balloon into something so big I couldn't reasonably pay it without going bankrupt. They declined and said that they can put that note into my account but thats it. So I had a credit line of XXXX dollars and now I have to pay them back XXXX dollars because they refused to give me any leniency or assistance when I needed it most.
Frequently Asked Questions
What is Complaint #18083679 about?
Complaint #18083679 was filed against Enova International, INC. regarding Payday loan, title loan, personal loan, or advance loan specifically about Struggling to pay your loan. It was received by the CFPB on 2025-12-02T12:00:00-05:00.
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.