Payday loan, title loan, or personal loan -- Charged fees or interest you didn't expect -- Complaint #4892896
Complaint Overview
Complaint ID: 4892896
Company: Enova International, INC.
Product: Payday loan, title loan, or personal loan
Sub-Product: Personal line of credit
Issue: Charged fees or interest you didn't expect
State: Idaho
ZIP Code: 83854
Date Received: 2021-11-09T12:00:00-05:00
Date Sent to Company: 2021-11-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
They charge daily interest and there is no early payoff. So paying small payments prior to payment due dates should lower amount owed and interest calculated. however I paid {$200.00} couple days ago only applied {$180.00} to balance no explanation. Week before made 2- {$40.00} only owed balance owed by {$28.00}. Today paid a {$12.00} only adjusted balance by less than a dollar. They already charge an outrageous interest rate but if they are not applying the full payment to they are charging me interest on money paid that is fraud and wrong!! they have not responded to 2 of my information requests. below is pulled directly from a test I did to see if I was being screwed no payments affected any interest. That is wrong! Date Description Reference # Amount XXXX Payment XXXX {$75.00} XXXX Payment XXXX {$20.00} XXXX Payment XXXX {$20.00} XXXX Payment XXXX {$20.00} XXXX Payment XXXX {$20.00} XXXX Payment XXXX {$20.00} Interest Charged Date Description Amount XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00}
Frequently Asked Questions
What is Complaint #4892896 about?
Complaint #4892896 was filed against Enova International, INC. regarding Payday loan, title loan, or personal loan specifically about Charged fees or interest you didn't expect. It was received by the CFPB on 2021-11-09T12:00:00-05:00.
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, or personal 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.