Payday loan, title loan, personal loan, or advance loan -- Charged fees or interest you didn't expect -- Complaint #19033986
Complaint Overview
Complaint ID: 19033986
Company: Enova International, INC.
Product: Payday loan, title loan, personal loan, or advance loan
Sub-Product: Personal line of credit
Issue: Charged fees or interest you didn't expect
State: Indiana
ZIP Code: 46142
Date Received: 2025-12-04T12:00:00-05:00
Date Sent to Company: 2026-02-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have a revolving line of credit with XXXX ( Enova ). The account originated on XX/XX/year>. XXXX charges a 10 % cash-advance fee on every draw and a recurring statement balance fee every two weeks even when I do not borrow additional funds. No APR is disclosed despite these charges functioning as finance charges. This results in multiple fees applied repeatedly to the same balance and an effective APR that far exceeds Indianas legal limits.of XXXX. Which response do you prefer? Responses may take a moment to load. XXXX Response 1 Great once XXXX has the dispute letter, the clock starts. Now we file the regulator complaints, which gives you legal protection and forces a real investigation. Ill walk you through each one with exact wording to paste. STEP 1 FILE THE CFPB COMPLAINT This is the most important one. Go to : https : //www.consumerfinance.gov/complaint/ Choose : Loan or credit product Line of credit Company : XXXX ( Enova International , Inc. ) When it asks What happened?, paste this paragraph : CFPB Narrative Copy/Paste This I have a revolving line of credit with XXXX ( Enova ). The account originated on XX/XX/year>. XXXX charges a 10 % cash-advance fee on every draw and a recurring statement balance fee every two weeks even when I do not borrow additional funds. No APR is disclosed despite these charges functioning as finance charges. This results in multiple fees applied repeatedly to the same balance and an effective APR that far exceeds Indianas legal limits. The fee structure is not properly disclosed, is designed to avoid APR disclosure, and violates the Indiana Uniform Consumer Credit Code. I request that the CFPB require XXXX to : ( 1 ) explain how finance charges are calculated, ( 2 ) recalculate the account using lawful methods, ( 3 ) refund or credit unlawful fees, and ( 4 ) correct the account going forward without closing it or negatively reporting. I have already submitted a formal billing dispute to XXXX.
Frequently Asked Questions
What is Complaint #19033986 about?
Complaint #19033986 was filed against Enova International, INC. regarding Payday loan, title loan, personal loan, or advance loan specifically about Charged fees or interest you didn't expect. It was received by the CFPB on 2025-12-04T12:00:00-05:00.
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.