Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:07/18/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

   
  Complaint: 22007558
  
  I am rejecting this response because: Enova owns ****** Capital. This company is still retaliating, imitating, invasion of privacy with the intent to embarrass and cause emotional harm towards me personally. This is not business,but it is personal from their standpoint. ENOVA is using the same practices that they were fined for loans via their company ******. This is not a business loan if you are going to someones personal residence and placing the loan on personal credit with the intent to destroy me personally. The company is supposed to be helping customers, so this loan was treated as personal when they pur***d me personally with my residence and personal credit. This company has shown a pattern of racism based on my relationship and other complaints with them, so it is based on predatory behavior against diverse especially black customers.  This company has done nothing but exploit black people with unfair business practices while promoting that they help diverse communities which they could be in line for grants and other programs in ******** per their website of helping black people. These recent tactics goes against the order which they were required to pay 15million dollars in fines since 2019 and 2023 as repeat violators against consumers.
  *************************************************************************
  
  I do not know why this company continues to abuse consumers by skating the laws and lawfare order that prohibited them from providing and pursuing short term loans to consumers. I am filing this complaint against the Parent and Subsidiaries that hide behind them to break and circumvent the order that banned these companies from during this to consumers especially diverse and black people. I am asking **** to intervene with another lawsuit since there is a violation against the lawsuit and ban that was enforced in 2019 and  November 2023. I have reached out to the media.The company failed to provide details of the loan, which lead to extension cancellations after paying the loan off and failed to provide copies of authorizations and bad faith with credit reporting. The company misrepresented me regarding payments made on time. I never got a delinquent notice from this company.
  
  I am having work done on my house due to water damage, so I am not residing there now due to the mold. This company retaliated against me due to the complaint I filed against them via ************************ of ************** BBB. In July-Someone from Enova, ****** sent someone to serve me paperwork at a residential property. The paperwork was left at my residence on the porch where a worker saw the paperwork as well as neighbors. So this is an invasion of privacy which is a violation of the privacy law and the order against them in 2019 and 2023 for repeated violations of bad business practices, poor policies and procedures as well as poor technology tools while at the same time getting money in the form of grants from the state of ******** from Diverse communities with the pretext of supporting diverse companies.
  Enova owns ****** and is doing business through them. They are coming at me aggressively over $4,000. Enova is trying to violate and devalue me by coming after me personally over a business loan where I paid ontime for 100%. I ceased working with them when they violated my privacy rights by disclosing incorrect information to a third party bank with an intent to prevent me from paying off early and to keep bound to unfavored predatory fees. 
  Enova mentioned in the last complaint, "****** is a small business lender that solely makes commercial loans and lines of credit available to small businesses. It does not offer any credit products to individuals for personal, family, or household purposes. ****** requires that any person or business who obtains a credit product from ****** use that product solely for business purposes, and not for personal, family, and household purposes." Enova never went to the business address so that went to my personal address to harass, embarrass and to invade my privacy while disclosing my private financial information in plain sight for my neighbors to see as well as workers at the house who saw this paperwork. They are coming after me PERSONALLY. Enova was supposed to upgrade their systems according to the order with the **** but they have not resolved the is*** with them disclosing personal identifiable information to a 3rd party such as a bank,which was on a recorded call or processes such as harassing me when I asked them not to contact me again and that I was working with ****************.
  
  ENOVA INTERNATIONAL is violating the laws by using ****** to provide and collect on loans that they were banned from making per the order by **** and lawsuit settlement based on violations. We are a victim of this company blatant disregard of the Consumer laws put in place. We have engaged the media and Attorney General to pur*** based on other violations sent over
  
  History of why we are here
  Enova is the parent company of ****** Capital. Enova has allowed ****** to run a rogue operation to destroy customer by piercing the corporate veil to harass business owners and release private information to other financial institutions in an attempt keep company bound to their predatory loans. The company showed patterns of racism by attacking me as a black consumer  despite having paid 100% previous loan.We have been a faithful and on-time paying customer for over two years. We wanted to leverage our relationship with them by moving our payments from Weekly to Monthly based on our great payment history. Our vendor started paying us at ***** days in March, so we wanted to move to monthly. We communicated that this remaining amount would be paid off by the end of July or August based on a lump sum payment that we are due to receive by the end of July. I had spoken with *****-Supervisor so she told me that this would not hurt my credit and breach the agreement if we changed from weekly to monthly payments.
  
  ***** suggested that we reduced the payments temporarily so that would not impact on our credit history and additional funding for our upcoming contract. We agreed to this amount, which was only reduced by *****. I have spoken to my bank today, so the banker communicated to me that this company told them that my account was late for one reduced payment in the previous week.My account had been 100% paid on time and one loan paid off so this is the second loan.  This company operated in bad faith since no one including ***** or any other representative state that this would be late or report badly on my account. Nor does the email attached communicate this. This was not any savings to my account. We believe this was tortious interference since the bank was going to pay this off which would reduce the amount of revenue that this company could ***** from me based on interest and payments. This company has no integrity or morals. ******** was not honest with her statements that I was told this account would be late. I was told today by another rep that my account was current. That is not true. They gave slanderous information. I have asked that my account be shut down immediately due to breach of trust and fiduciary duty as a financial institution. I have the emails and my record of payments attached. Also, this was a violation of privacy. This company has since retaliated by threatening to *** my company.This company has placed derogatory information on my personal credit. This company never showed me any paperwork that showed my account was late or delinquent,but they told a bank it was in bad shape which was false. This company was deceptive with their practices and refused to investigate why someone from their company would deliberately sabotage my relationship with a bank.  This was discrimination as well too.
  Both **** enforcement actions against Enova in 2019 and in 2023.  
  
  Below is a link to the ****s Press release: **** Fines Repeat Offender Enova $15 Million for Violating Order, Deceiving Customers, and Withdrawing Funds Without Consent that provides additional information about the ****s enforcement actions against Enova and the ****s ****************** that is used to help compensate consumers who have been harmed by companies that break federal consumer financial protection laws.
  *********************************************************************************************************************************************************************************************
  *************************************************************************
  Resolution:I want this case to be dismissed against me. We have been harmed by this company due to them being repeat Violators.  Remove all negative information tied to me immediately. I want to be reimbursed ********* in lost income due to them disclosing personal information to a bank which was incorrect. I have paid back around ********* too ********* to this company
  
  Sincerely,
  
  ********************************* my house due to extreme water damage. So I wanted to provide a rebuttal. Enova refused to investigate the truth as to what happened with my private information and misrepresentation to a third party lender that I provided information to them based on recorded calls. Also, Enova has secured funding for diversity and black peoples while using their platform of subsidiaries to slander and cheat black people.

  Business Response

  Date: 07/31/2024

  We are in receipt of the complaint filed with the Better Business Bureau of Chicago & ***************** (IL BBB) by *************************************. The complaint identifies Enova Financial Holdings, LLC as the service provider subject to the complaint; however, the credit product referenced in the complaint was issued by ODK Capital, LLC (******), an affiliate of Enova Financial Holdings.
  

  Please allow this letter to address in additional detail Ms. ********** IL BBB complaint dated July 18, 2024.
  

  Our review of the IL BBB complaint, indicates that ********************** is alleging, among other things, that (1) Enova International has violated an order preventing them from providing or pursuing consumers regarding short term loans via their company and subsidiary companies., (2) the company disclosed payment history to a third party lender, and (3) Enova failed to investigate her claims.
  

  On or about July 29, 2021, ********************** executed a Business Line of Credit Agreement (BLCA) on behalf of z SofTech *************** (z ******** and as a personal guarantor. The contract executed by **********************, as the personal guarantor and on behalf of z SofTech, specifically states, the line of credit will not be used for personal, family or household purposes. 
  

  Thus ************************ claim that Enova  (really, ******) violated an order preventing it from providing or pursuing consumer short term loans is unfounded.****** does not offer consumer short term loans to consumers, and the contract between ****** and z SofTech, which ********************** personally guaranteed, is not a consumer loan on its face. 
  

  ********************** also appears to allege that ****** disclosed z SofTechs payment history to a third party lender. ****** previously addressed the results of its investigation into these claims in our response to Ms. ********** IL BBB complaints dated April 24, 2024 and May 7, 2024. This response is dated May 8, 2024; ID ********.  We reference and incorporate that response herein.
  
  Finally, ****** has investigated ************************ claims, including those complaints addressed to Enova, on numerous occasions. She is invited to share additional information, including the call recordings referenced in her current IL BBB Complaint.  
  

  ****** is committed to providing the best possible lending experience to all our merchants. ****** believes it has fully addressed ************************ allegations and considers the matter closed. 
  

  Sincerely,
  

  Final Resolution Department
  ********************************
  D: ************** | F: **************
  D: ************** | F: **************
  

  
  

  Business Response

  Date: 08/12/2024

  We are in receipt of the additional comments provided by ************************************* to supplement her complaint filed with the Better Business Bureau of Chicago & *****************. ********************** makes a number of allegations (both here and in her other complaints) against ODK Capital, LLC (******) and its parent company, Enova ******************* (Enova). 
  

  ****** is an indirect wholly owned subsidiary of Enova, a financial services company that serves small businesses and consumers who are underserved by traditional banks. Enovas subsidiaries include small business brands and consumer brands. ************************ complaint solely concerns ******, which is a Utah limited liability company that solely provides credit for small businesses. 
  

  As described in more detail below, ************************ allegations lack merit.
  

  BACKGROUND
  

  In or about July 2021, Z SofTech, a ******************** applied for business credit from ******. In July 2021, ****** offered Z SofTech a business line of credit (the **** with a credit limit of $6,000. A copy of the *** is attached hereto as Exhibit A. The *** offer required **********************, who submitted the application on behalf of Z SofTech, to personally guarantee performance of Z SofTech. On or about July 29, 2021, **********************, in her capacity as an officer of Z SofTech, and in her personal capacity as guarantor, executed the ***.
  

  The *** is clear that *** only be used for business purposes. Section 6 of the *** is titled LINE OF CREDIT FOR SPECIFIC PURPOSES ONLY. (Ex. A) (bold in original). It further provides:

                     The proceeds of the Line of Credit*** solely be used for specific purposes as set forth in the Use of Proceeds Certification contained in Section 53 below, and not for any other purpose. In addition, the Line of                      Creditwill not be used for personal, family or household purposes, and ******** and Guarantor are forever estopped from taking the position that such Loanare or were used for such personal, family or household                                  purposes.
  

  Id. (bold and underline in original), Section 53 of the *** includes a Use of Proceeds Certification, which, in turn, requires that the *** solely be used for specific identified business purposes. Any use of the *** for personal, family, or household purposes would breach the agreement.
  

  The *** includes a disclosure of its expected costs (the SmartBox), which discloses the APR, the estimated cost of capital, the average monthly payment (assuming a full draw on the line), and other information. ********************** had the opportunity to review this disclosure before executing the ***. (Ex. A). After executing the ***, ************** and repaid funds until July 2023. On July 3, 2023, **********************, on behalf of Z SofTech, contacted OnDecks customer service by phone to request a modification from weekly to monthly payments due to a change in Z SofTechs vendor payment frequency. During that call (and subsequent calls), multiple representatives explained to ********************** that ****** could not support a modification of contractual payment due dates from weekly to monthly for line of credit merchants. Instead, ****** offered to allow Z SofTech to enter into a reduced payment plan. The ****** representative informed ********************** that the unpaid portion of the contractually scheduled payments would be considered past due, but that if Z SofTech continued making payments on the reduced amount, ****** would not report the delinquency to the consumer credit bureaus.
  

  ********************** subsequently instructed ****** to cease making recurring ACH debits from Z SofTechs business checking account, and then failed to otherwise make any payments. The last payment that ****** received from her was in or about July 2023. Because no payments have been made since then, interest has accrued on the unpaid principal balance pursuant to the terms of the ***. As of today, the *** remains in default and ****** has retained outside counsel to assist in the collections.
  

  ***
  

  As best we can tell, ************************ current allegation is that ****** is not a commercial lender because if you are going to someones personal residence and placing the loan on personal credit then the loan must be a personal loan. ********************** further complains that ****** failed to provide details of the loan and complains that she never got a delinquency notice from this company. She also claims that ******, as a subsidiary of Enova, has violated a consent order between Enova and the ***** Finally, she also makes various allegations regarding predatory behavior toward minority communities, and claims that ****** has engaged in discriminatory behavior. None of these allegations has merit.
  

  The *** is a commercial line of credit.
  

  ****** is a commercial lender and the *** constitutes commercial credit. That fact is made clear by the terms of the ***, which identifies a businessZ SofTechas the borrower, and further limits the use of the proceeds to business purposes. See 12 C.F.R. 1026.2(12) (defining consumer credit as credit offered or extended to a consumer primarily for personal, family, or household purposes). See also UT St. 7-27-101(4) (defining business purpose transaction to mean a transaction from which the resulting proceeds that a business receives areintended to be used to carry on the business and are not intended to be used for personal, family, or household purposes). The fact that ********************** executed the *** as a personal guarantor (and is thus personally liable in the event of a default) does not change this, nor does any attempt to serve documents at her residence, or any consumer credit reportingwhich is contractually authorized in the event of a default because ********************** personally guaranteed the ***. See Ex. A, 25 (Lender *** report Lenders credit experiences with Borrower and any Guarantor to third parties as permitted by law, including with respect to any Guarantor to consumer credit reporting agencies). Because the credit is not extended for personal, family, or household purposes, the *** does not constitute a consumer extension of credit.
  

  The Consent Order does not apply to ****** or the ***.
  

  ********************** also makes various references in her letter to a consent order (the Consent Order) entered between the **** and Enova in or about November 2023. The Consent Order has nothing to do with ******, or the *** that Z SofTech executed. Rather, the Consent Order relates to issues concerning consumer loans (i.e., loans for personal, family or household purposes). ********************** does not, and cannot, provide any evidence that the *** is a credit product covered under the Consent Order. Indeed, if she were to allege that she used the *** for personal, family, or household purposes, she would be alleging that she breached the terms of the ***, triggering a default. See Ex. A 32 (defining Events of Default to include the failure of the borrower to comply withany term, condition or promise within this Agreement).
  

  Further, ********************** does not appear to understand the Consent Order. For example, she writes that I do not know why this company continues to abuse consumers by skating [sic] the laws and lawfare order that prohibited them from providingshort term loans to consumers. Presumably, this is in reference to paragraph 70 of the Consent Order, which prohibits Enova from offering or providing Covered Loans. Paragraph 6(g) of the Consent Order defines Covered Loans to mean Closed-end Credit that is extended to a consumer primarily for personal, family or household purposes. (emphasis added) The *** is neither closed-end credit nor was it extended primarily for personal, family or household purposes as explained above. And it certainly does not constitute a short term loan as ********************** seems to suggest.
  

  Because the Consent Orders scope is limited to certain types of issues arising on consumer, not commercial loans, ****** cannot (and did not) violate the Consent Order. 
  
  The Terms of the *** were clearly disclosed to Z SofTech.

  ********************** also claims that ****** failed to provide details of the loan, which lead to extension cancellations after paying the loan off and failed to provide copies of authorization and bad faith with credit reporting [sic].
  

  To be clear, ****** conspicuously disclosed the ***s terms to ********************** before she executed the agreement; indeed, she was presented with the whole agreement to review before she executed it. That included the Smart Box which, as described above, disclosed material terms such as the APR, estimated payments, and estimated cost of capital. In addition, ********************** had an obligation to read the contract before signing it. Thus, directly above her electronic signature ********************** as duly authorized agent of ********, and in my individual and personal capacity as Guarantor, affirm that I have read and understand the terms and conditions ofthe Business Line of Credit Agreement. (Emphasis added.) These terms included all the terms discussed herein, including the possibility that ****** would report the guarantors (i.e., ************************) performance on the *** to the consumer credit bureaus.
  

  ****** also disclosed the terms of the July 2023 payment reduction plan to **********************, both on the telephone and in writing, as previously explained in ******* May 8, 2024 complaint response to the Better Business Bureau of Chicago & ***************** (Complaint Response ID *********. 
  

  ****** does not engage in discriminatory lending practices.
  

  Much of the remainder of ************************ complaint is replete with unsupported allegations of discriminatory and predatory conduct by ******. She alleges that it has shown a pattern of racism and predatory behavior against diverse[,] especially black customers. She claims that [t]his company has done nothing but exploit black people with unfair business practices 
  

  As previously explained in OnDecks May 8, 2024 Complaint Response ID ********, ****** does not discriminate against any applicant or customer on a prohibited basis in regards to any aspect of any credit transaction. The actions described in ************************ complaintconsumer credit reporting, service of legal papers, enforcement of a personal guaranteeare all actions that ****** takes as part of its normal collection practices in regards to defaulted customers. 
  

  **********************, both here and in her original correspondence to the Better Business Bureau of Chicago & Northern Illinois, claims that ****** disclosed incorrect information to a third party bank with an intent to prevent her from paying off the ***. As previously addressed in OnDecks May 8, 2024 correspondence, ********************** provided an e-mail from her bank ********************* in which the sender does not indicate who disclosed any information, the account in question, or that the alleged disclosure discussed the account being late or past due. Further, the email from ******************* indicates that ********************** and/or Z SofTech was unable to obtain a loan due to your revenues and no business credit at this time. In other words, her inability to obtain different financing has nothing to do with ******. Either way, she was (and remains) free to pay-off the *** at any time pursuant to Section 16 of the ***, labeled Prepayment. The Prepayment provision of the SmartBox disclosure also discloses the terms of prepayment. (Ex. A.)
  

  ***
  

  At this time, we believe that we have addressed each of the issues raised in ************************ most recent correspondence. Please let us know if there is any further information that we can provide. Otherwise, we will consider this matter closed.
  

  
  

  Customer Answer

  Date: 08/12/2024

   
  Complaint: 22007558
  
  I am rejecting this response because: Enova owns ****** Capital. This company is using deceptive practices such as engaging in disclosing and providing  inflammatory incorrect information against me to a third party bank which I brought to the ********************* attention to investigate via emails. It was very discriminatory towards me because I was treated as a 2nd class citizen and inhumane when I had 100% pay success and 100% payoff of previous loan with this company.  This does not happen to other races of people based on the history and data from the ********************* Enova International has acknowledged racism against black people on their website when they were trying to get benefits and perks by exploiting black people's pain for their selfish evil gain. This company will not exploit me or my people for evil selfish gains. I have already alerted the media and other civil rights organizations. I have the law and data to support my claims against this unethical company who are cowards and the lowest of the low to *** ******* when trying to reach a resolution while communicating with CFPB, ************************* of ******* and BBB so I was blindsided by a lawsuit.  This is a sick game with these people who run this evil company that will not be in business if they keep this up. This company does not scare me so I will continue to fight them against this unjust racist abuse of power against me who they look down upon because I am black. It is hatred based on their actions. 

  I am not going to support a institution like this ever again. This is repetitive evil deceptive practices against consumers hence why the order was enacted against them and fined levied at 15 million dollars. I have reached out to the director CFPB regarding this fine on live social media stream and via email for protection.  The order does apply to them since they are owned and financed by ENOVA per the financial statements that are public. This company is not treating this as a business loan and it is personal loan when you harass ******* at their place of residence. z SofTech ********** *** does not reside at ********************************* but this company attempted to serve legal sensitive financial documents to me but I was not there due to extensive water damage and mold at the house that is under renovations which I have documentation'. I have a Vivint Surveillance camera and witness that the documents were left on the porch which were read by people. This company ***** black people by going after me for ******** when this company breached PII laws by illegally disclosing my personal information to neighbors and workers at my house. In addition, this was an invasion of privacy by disclosing incorrect information to a third party bank who was looking at giving us a loan. Black people have been the victim of these predatory loans and tactics for years where we are treated inhumanely. This company is attempting to *** me in a state where I do not live, work or do business in based on a credit company that called me alerted me of this lawsuit by ENOVA/****** around March/April. I will be doing a counter suit against this company.

  I have contacted the *** of Chicago, CFPB, ************************** These recent tactics goes against the order which they were required to pay 15million dollars in fines since 2019 and 2023 as repeat violators against consumers. I expect retribution for the harm against me and invasion of privacy with an intent to cause embarrassment, emotional harm and slander.
  *************************************************************************
  
  Sincerely,
  
  *********************************

• Initial Complaint

  Date:07/03/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Approximately 9pm 6/20/2024 applied for line of credit at NetCredit.com. Received email denial stating income verification was incomplete. Emailed NetCredit support to resolve system glitch that allow consumer to only input one bank account to verify income, which I direct deposit into two separate bank accounts. Received an email response stating I would be contacted. No one has contacted me. 6/21/2024 Called NetCredit to resolve issue and ******* said there is no way to correct system glitch, and also no one else to get help from to do so. 1. I need resolution asap that removes/deletes/closes my account with all my personal, financial, employment, banking account user name, password from NetCredit system. 2. I took a hard inquiry, 16 point credit report decrease and I need that reversed!

  Business Response

  Date: 07/01/2024

  Please see the attached response. A substantive response has been mailed to the client directly. 

  Business Response

  Date: 07/11/2024

  We have received the complaint sent to the Better Business Bureau (BBB) by *******************************. As we understand it, **************** is frustrated with her NetCredit loan product application experience.
  

  As an initial matter, we have previously responded to **************** via letter and addressed her concerns.
  

  As mentioned, on June 20, 2024, *************** visited our website, www.netcredit.com,and proceeded to check her eligibility for a NetCredit loan product.  After providing some general information to us via the website, **************** received an offer to apply for a NetCredit open-ended line of credit with *************** partner, ************* &Trust ******* (*************), which is serviced by NetCredit.
  

  **************** opted to move forward with the process and applied for the line of credit. As part of the application process, consumers must authorize NetCredit and/or Republic to obtain credit reports from consumer reporting agencies. When she signed the contract and pursued the loan, a hard inquiry was made on her credit report.  For more information on the use of information provided by credit bureaus in conjunction with a loan application, please visit *****************************.
  

  Based on the information *************** provided on her application, later that same day we requested additional information from her in order to make a final decision on her application specifically income verification. As such, a copy of ****************** bank statement was needed for verification purposes. 
  

  After reviewing the bank statements **************** provided and comparing them to the income information she claimed on the application, we were unable to verify the income she claimed as accurate. Therefore, after careful consideration,it was determined that **************** did not meet the underwriting requirements for a NetCredit loan and on June 20, 2024, **************** was sent a Notice of Adverse Action (NOAA) informing her of the decision and the principal reason(s)for the decline unable to verify income.   
  

  Subsequently, on June 20, 2024,**************** contacted our customer support team in regard to the decision and requested to be contacted.
  

  On June 21, 2024, **************** contacted our customer support team via telephone in regards to her application status and was referred to her NOAA.   Please note, we provide a thorough verification process in order to ensure responsible lending. During our underwriting process, we use a variety of tools and techniques to verify identity, employment, banking information, and overall financial health. As such, we require certain verifications to determine a decision. 
  

  Based on our review, ****************** concerns were escalated and a member of management attempted to contact her on June 25, 2024. Unfortunately, **************** was not available, however, a voicemail message was sent advising her of the phone call attempt.
  

  Please note, that we would not be able to honor her request to delete her information from our database because State and Federal laws require NetCredit to retain a record of consumer information submitted for set periods of time. 
  We can assure **************** that ************* and NetCredit take seriously the responsibility to protect consumer information. In addition, we value the privacy of all our applicants and customers,and maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard consumer information.
  

  *************** may refer to NetCredit's Privacy Policy for more details regarding the collection and use of customer data by following the link below:
  *********************************************
  

  If **************** has any additional questions regarding this matter, we ask that she please contact our customer service department at ************, Monday Friday, 8:00AM 8:00PM CT or Saturday Sunday, 9:00AM 5:30PM CT.
  

  
  

• Initial Complaint

  Date:06/26/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I took a line of credit with their company NetCredit. Their terms and rates for this line of credit are ****** predatory and outside of the regulations for ********. After consulting with my attorney he advised of starting a class action suit against them but Im open to giving them a chance to resolve it first.

  Business Response

  Date: 07/12/2024

  We have received the complaint sent to the Better Business Bureau (BBB), by *************************.  As we understand it, **** believes that we are not compliant with the State of Virginias rules and regulations regarding the interest rate.
  

  As an initial matter, ***************************** **** ("TAB Bank") provides financial products that are serviced by NetCredit. TAB Bank is a state chartered financial institution.
  
  Section 27(a)of the ************************* Act, 12 USC 1831d(a), governs the interest and fees that TAB Bank may charge on its loans. It provides that,"notwithstanding any State constitution or statute which is hereby preempted for the purposes of this section," a state bank may "take,receive, reserve, and charge on any loan interest at the rate allowed by the laws of the State where the bank is located ." TAB Bank is located in ****, and Utah law expressly permits any finance charge set forth in the contract between the lender and the consumer. Utah Code 70C-2-101 states "Except where restricted or otherwise covered by provisions of this title,the parties to a consumer credit agreement may contract for payment by the debtor of any finance charge and other charges and fees." The interest and fees charged are appropriate under Federal and applicable State law. 
  
  On October 11, 2023, ************************* entered into a Line of Credit Agreement with ***************************** ****("TAB Bank") whereby TAB Bank provided **** a $2,950.00 line of credit (hereafter ***), to be serviced by ************** Services, LLC. When **** applied for the **** terms were presented and were required to be reviewed prior to accepting the *** offered by TAB Bank. **** voluntarily accepted the *** through an electronic signature.  The Agreement also detailed a minimum payment is due every billing period that carries a balance.  In addition, **** voluntarily signed an Automated Clearing House (ACH) authorization allowing credits and debits to be made to ********** account.
  

  We would also note that the top of the Agreement that was presented and agreed to by **** states, HIGH COST CREDIT DISCLOSURE. THIS IS AN EXPENSIVE FORM OF CREDIT. IT SHOULD BE USED FOR SHORT-TERM FINANCIAL NEEDS, NOT AS A LONG-TERM FINANCIAL SOLUTION. OTHER CREDIT OPTIONS MAY BE LESS EXPENSIVE.  **** can access a copy of the Agreement at any time by signing into ****s online account at .com.
  Based on our review, **** contacted the NetCredit customer support team in regard to the concerns mentioned in the complaint and was advised of the aforementioned information.
  
  If **** has any additional questions regarding this matter, please contact our customer service department at ************, Monday Friday, 8:00 a.m. 8:00 p.m. CT or Saturday Sunday,9:00 a.m. 5:30 p.m. CT.

• Initial Complaint

  Date:04/24/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

   
  Complaint: 21618049
  
  I am rejecting this response because: The statement is untrue. Enova should be for discrimination, defamation, invasion of privacy and intentional infliction of emotional distress per ****** Capital running rogue while they earn benefits from communities that are harmed.   I never had my draw on hold at that time with ****** when I was working ******************** to get funding to consolidate debt. Please see that attached email where ******* admitted that she was given information that I was late and draw was on hold. I had just paid off a loan 100% with ****** Capital. ****** Capital provided slandering, inaccurate , discriminatory information that intentional caused me emotional distress, harm and embarrassment over ***** reduction for one week in payment when I had previously paid off much more in at least  around five thousands of dollars loan in the past. I have provided Overt evidence of discrimination where ****** Capital openly discriminates against me based me being a protected trait. For example, a loan representative provided information to a third party that was untrue. ******* told me on the phone that my credit was not good with ****** Capital which was untrue. Enova is gaining favorable credits due to premise of being a diverse company while concurrently going after Diverse businesses and individuals with unfair discriminatory practices by threatening to ruin people without due process.
  
  ********************************* breach the agreement if we changed from weekly to monthly payments. ***** suggested that we reduced the payments temporarily so that would not impact our credit history and additional funding for our upcoming contract. We agreed to this amount which was only reduced by *****. I have spoken to a bank ******************* so the banker communicated to me that ****** told them that my account was late for one reduced payment. This company operated in bad faith since no one including ***** or any other representative stated that this would be late or report badly on my account. We believe this was tortious interference since the bank was going to pay this off which would reduce the amount of revenue that this company could ***** from me based on interest and payments. ******** was not honest today with her statements that I was told this account would be late. I have asked that my account be shut down. This company has since retaliated by threatening to *** me.

  Business Response

  Date: 05/06/2024

  Thank you for allowing us to respond to *********************************** complaint.
  

  Upon receiving this complaint, ******(Enova) conducted an internal investigation regarding Ms. ********** concerns. Based on our internal review of recorded calls and email communications, we were not able to find any discrimination, mishandling, or incorrect information on behalf of OnDecks representatives.
  Concerning ************************ serious allegations of discrimination, ****** complies with fair lending and servicing laws. To be clear, ****** does not discriminate against any applicant on a prohibited basis regarding any aspect of any credit transactions. Collections activities on her account, including reporting delinquent account status to her personal credit report and litigation, were pursued according to normal collection policies and procedures for delinquent accounts.
  On July 3, 2023, ********************** requested to modify her payment due dates from weekly to monthly because her vendors were not submitting payments for ***** days. ****** representatives explained that ******, at this time, cannot modify contractual payment due dates from weekly to monthly for lines of credit accounts. Alternatively, ****** offered to enter her into a reduced payment plan agreement, which she accepted. ****** representatives informed ********************** that the unpaid portion of the normally scheduled contractual payment amount would be considered past due; however, if she continued to make payments via the reduced payment plan, there would be no impact on her credit.  
  ********************** stated in her complaint that she was unaware the account would go into past due status if she entered into a reduced payment plan agreement. Our records reflect, that not only was ********************** given this information via phone call but also on July 3, 2023, at or about 2:24 pm (MST) ********************* was sent an email with a disclosure outlining the processes of the reduced payment plans.
  ********************** informed ****** that she placed a stop payment with her bank, resulting in her last successful payment being made to ****** on July 5, 2023, and the account was written off as of October 13, 2023. These actions have had an impact on her personal and business credit.
  Please note, that ****** does not have the practice of disclosing account statuses or other sensitive information to unauthorized third parties. Therefore, we also searched our call recording database of ************************** company file in an attempt to locate a call with a third party regarding her account during the relevant time period, and we did not locate any such call.
  ********************** can reach out to our customer service department for additional information at **************.

  Sincerely, 

  ****** Complaints Department.

  Business Response

  Date: 05/08/2024

  Better Business Bureau of Chicago & Northern Illinois, Inc.
  ********************************************************************************************************************
  ***************************************************************************************
   
   
  Re:  ID ********
   
  Dear Customer Relations Representative,

  We are in receipt of the complaints filed with the Better Business Bureau of Chicago & ***************** (IL BBB) by *************************************. The complaints identify Enova Financial Holdings, LLC as the service provider subject to the complaint; however, the credit product referenced in the complaint was issued by ODK Capital, LLC (******), an unrelated affiliate of Enova Financial Holdings.
  

  Please allow this letter to address in additional detail both of Ms. ********** IL BBB complaints dated April 24, 2024 and May 7, 2024.
  

  Our review of the initial IL BBB complaint, dated April 24, 2024, indicates that ********************** is alleging, among other things, that (1) she was not aware that entering into a reduced payment plan would place her companys ****** account in past due status, and (2) ****** disclosed her companys account status to a third party which interfered with her companys ability to secure additional financing. In the subsequent IL BBB complaint reply, dated May 7, 2024, ********************** alleges her account was not on a draw hold. ****** has diligently investigated these claims and outlined our findings in the response below. 
  

  As an initial matter, please note, ****** is a small-business lender. It does not make loans for personal, family, or household use.
  

  On or about July 29, 2021, ********************** executed a Business Line of Credit Agreement (****) on behalf of z SofTech *************** (z ******** and as a personal guarantor. A copy of the **** is enclosed for further reference.
   
  On or about July 3, 2023, ********************** called into OnDecks customer service phone line to request a modification from weekly payments to monthly payments due to a change in z SofTechs vendor payment frequency. During that call (and subsequent calls), multiple representatives explained to ********************** that ****** could not support a modification of contractual payment due dates from weekly to monthly for line-of-credit merchants. Instead, ****** offered to allow z SofTech to enter into a reduced payment plan. The payment support representative informed ********************** via telephone that the unpaid portion of the normally scheduled contractual payment amount would be considered past due; however, if z SofTech continued to make payments via the reduced payment plan, there would be no impact on her personal credit. The same was indicated in the follow-up email sent to ********************** on July 3, 2023, titled Your ****** Temporary Payment Reduction ******, enclosed for further reference.
   
  ********************** also claims that z SofTechs account status was disclosed to her bank., We are in receipt of the email ********************** provided to the Illinois ************************ in which a sender from ******************* indicated that the customer has a line of credit that is on a draw hold. The sender does not indicate who disclosed this information, the account in question, nor does the statement indicate that the account is late or past due, as alleged in Ms. ********** complaint. Further, the email correspondence below the above-referenced statement indicates that ******************* was unable to approve z SofTechs application for financing due to your revenues and no business credit at this time. ****** has been unable to locate any call between ****** and any third party regarding z SofTechs account status, despite performing a diligent search for such a call. Further ****** does not have practice of disclosing account statuses or other sensitive information to unauthorized third parties. If ********************** is able to provide additional information that would allow us to do a more targeted search, such as a specific date and call time or phone number from which the call was made, we are happy to conduct another search of our database.
  
  As it pertains to the allegation that z SofTechs ****** account was not on a draw hold, please note that statement is inaccurate. z SofTechs account, along with a population of other accounts, was placed on a draw hold due to the overall credit environment on or about January 5, 2023. The same was communicated to ********************** on or about January 5, 2023 via an email titled Important ****** Account Update and via the phone interaction detailed above on July 3, 2024. ********************** was invited to submit documentation for an account review to potentially lift the draw hold but declined to do so.
   
  Finally, with respect to ************************ serious allegations of discrimination, ****** complies with fair lending and servicing laws. To be clear, ****** does not discriminate against any applicant on a prohibited basis in regards to any aspect of any credit transaction. As outlined above, ****** does not have any record of a direct third party disclosure of z SofTechs account status. Further, collections activities on z SofTechs account, including reporting delinquent account status to ************************ personal credit report and the prospect of litigation, were pursued according to normal collection policies and procedures for delinquent accounts as z SofTech has failed to make a payment on its ****** account since July 5, 2023. 
  

  ****** is committed to providing the best possible lending experience to all our merchants. ****** believes it has fully addressed ************************ allegations and considers the matter closed. 
  

  Sincerely,
  

  Final Resolution Department
  ********************************
  D: ************** | F: **************
  D: ************** | F: **************
  

  
  

• Initial Complaint

  Date:02/26/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I applied for a line of credit through NetCredit after speaking to 3 customer service representatives on the phone that all confirmed the only requirement to apply is a bank account that has been open/has activity for at least 30 days with the ability to log into online banking for verification. I waited until I had my new account open for more than a month and decided to apply off of this information I received. Upon submitting my application and getting a hard pull on my credit, I was able to login to my bank account successfully, but NetCredit still requested 2 months of bank statements, which I do not have. They also asked me to verify my identity, which I completed by calling the number listed in the email. However, I have still not been able to get an approval or update and they are requesting 2 bank statements. At this point, I have verified my identity, logged into my bank account to prove ownership, attached the only statement I have for the account, and attached additional documents including a bank verification letter confirming my account is in good standing with current balance There should be nothing additional NetCredit needs to verify who I am or the ownership of my bank. I need my application to be processed with the information I have provided, as this is more than enough and this feels like a bait and switch.

  Business Response

  Date: 03/08/2024

  We have received the complaint sent to the Better Business Bureau (BBB) by ***********************. As we understand it, ************** is displeased with his NetCredit loan product application experience.

  On February 25, 2024, ************** visited our website, www.netcredit.com,and proceeded to check his eligibility for a NetCredit loan product.  After providing some general information via the website, ************** received an offer to apply for a NetCredit open-ended line of credit with *************** partner, ************* & ************* (*************), which is serviced by NetCredit. As part of the application process,consumers must authorize NetCredit and/or Republic to obtain credit reports from consumer reporting agencies. When he signed the contract and pursued the loan, a hard inquiry was made on his credit report.  For more information on the use of the information provided by credit bureaus in conjunction with his application, he may visit **************************************.
  

  Based on the information ************** provided on his application, he was asked to provide additional information in order to make a final decision on his application specifically, income verification. 
  

  As the *************** Statement did not reflect sufficient account history, a copy of Mr. ****** bank statement was needed for verification purposes. As such, on February 25, 2024,our customer support team attempted to contact ************** via phone to advise him of the required documentation, unfortunately, we were unable to connect with him. However, subsequently on February 25, 2024, a confirmation email was sent to ************** advising him that his two most recent bank statements were needed and included instructions on what details needed to be included when submitting his bank statement (e.g.all pages of the bank statement and the beginning and ending balance for a least one full month, etc.). 
  

  On February 25, 2024, ************** submitted his bank statements, however, the information he provided was not sufficient.
  

  On February 26, 2024, ************** contacted our customer support team and he was advised that his bank account needed to be open for 60 days. As such, ************** canceled the application and updated his bank account.
  

  On February 28, 2024, ************** submitted a new application with the new bank account information. After a review of all the information ************** provided, he opened a $2,800.00 line of credit, offered by ************* & ************* (*************) and serviced by NetCredit. 
  

  Based on our review, our records do not indicate that ************** contacted our customer support team prior to his February 25th application. 
  

  If ************** has any additional questions regarding this matter, we ask that he please contact our customer service department at ************, Monday Friday, 8:00AM 8:00PM CT or Saturday Sunday, 9:00AM 5:30PM CT.
  
  

  
  

• Initial Complaint

  Date:02/22/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a 2023 Form 1099-C Cancellation Of Debt from ENOVA ************** **** *************). The amount discharged reflects $850. I have never had any dealings with ENOVA, nor do I have any outstanding loans with ANY company, financial or otherwise that they may be associated with in this amount. I have called the number provided multiple times and only received a recorded receptionist message. This is fraudulent information and looks to be a scam of some type. As ENOVA cannot provide the courtesy of a return call, I will NOT be filing this with my taxes.

  Business Response

  Date: 03/09/2024

  Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution.
  

  On October 22,2012, CashNetUSA arranged a $850.00 *** loan for ******************. She chose to extend her loan two (4) times. ***************** signed her *** agreement (and the subsequent extension agreements)stating she understood and agreed to the terms and conditions associated with the *** loan.
  
  ****************** failed to make the payments as agreed upon.  
  
  On January 10, 2013, we received a ***** of ******** (POA)indicating that ****************** was working with a debt management company. However,****************** still had a remaining balance.
  

  Effective on November 16, 2023, CashNetUSA discontinued servicing payday loans. As a result, all remaining balances on payday loans have been waived. Therefore, Ms. ******** outstanding balance was waived.
  
  As required by the ************* ************************ (IRS), a 1099C form is to be sent to anyone who was forgiven $600.00 or more in debt obligation in any calendar year. Our records show that ****************** qualified to receive this form. Therefore, ****************** was issued a 1099C form.
  
  If ****************** is asserting that she did not apply for the loan and instead is the victim of a fraudulent transaction. In accordance with our policy, we ask ****************** to file a police report and provide a full copy to CashNetUSA to launch an internal investigation via email or fax to:

  CashNetUSA *************************
  Fax: ************
  Email: ******************************
  

  Upon receipt of the police report, our fraud department will begin review of her identity theft claim.
  

  Additionally, if ****************** believes that she is a victim of identity theft, we strongly encourage she file an identity theft report online with the ************************ (***) at ******************************. The *** can provide suggestions on how to protect her personal identification information going forward and how to alert other agencies, such as credit bureaus, that her identity information may be compromised.

  CashNetUSA strives to provide the ultimate customer experience and we are willing to answer any outstanding questions she may have. As such, we ask that she please contact our customer service department at ************ for assistance.
  
  We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.
  

  
  

• Initial Complaint

  Date:01/26/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  dont know anything i dont know this company

  Business Response

  Date: 02/13/2024

  Thank you for forwarding this complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution.
  

  On April 21,2015, CashNetUSA arranged a $450.00 *** loan for **************. Before she entered the agreement, CashNetUSA provided the applicable disclosures and ************* then signed her agreement acknowledging that she understood and accepted the terms and conditions associated with the *** loan. In addition, ************** signed an Automated Clearing House (ACH) authorization allowing debits and credits to be made toward Ms. ****** bank account.
  

  On June 11, 2015, we received documentation including a ***** of ******** (POA) indicating that ************** was working with a debt management company and requested to revoke our ACH authorization. Therefore, all communications were directed to her debt management company and our collection efforts ceased.
  

  Effective on November 16, 2023, CashNetUSA discontinued servicing payday loans. As a result, all remaining balances on payday loans have been waived. Therefore, Ms. ****** outstanding balance was waived.
  
  Please note, the *** requires that we issue a 1099C Cancellation of Debt form to anyone who was forgiven $600 or more of debt in a calendar year. Therefore, ************** was issued a 1099C form.
  
  Based on our review, ************** contacted our customer support team directly and was advised of the aforementioned.
  
  CashNetUSA strives to provide the ultimate customer experience and we are willing to answer any outstanding questions she may have. As such, we ask that she please contact our customer service department at ************ for assistance.
  
  We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.
  

  
  

• Initial Complaint

  Date:12/28/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

   
  Complaint: 21066200
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***************************

  Business Response

  Date: 01/08/2024

  Thank you for forwarding this complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution.

  As an initial matter, we have responded to ****************** concerns via previous complaints from various agencies.  
  
  On June 10, 2023, **************** opened a $4,000.00 limit line of credit with NetCredit after receiving a online loan application completed with her personal information. Since establishing the line of credit, three (3) cash advances have been requested.
  
  Based on our review of the account, on July ****** **************** contacted our customer service department directly to assert that she did not receive the loan and instead is the victim of a fraudulent transaction.  As such, NetCredit advised **************** that in order for NetCredit to investigate her claim, it would need a copy of a police report.
  
  On August 30, 2023, NetCredit received a copy of ****************** police incident report.
  
  After a careful investigation, our fraud department was not able to approve her identity theft claim. It was determined the cash advances was credited to ****************** bank account. Therefore, it is our position that **************** benefited from the money that was deposited to her bank account. Therefore, the terms of the agreement are in full effect. NetCredit has advised **************** several times of the aforementioned.
  
  Attached is a copy of ***************** loan agreement.
  
  NetCredit strives to provide the ultimate customer experience and are more than willing to address any outstanding concerns she may have. We ask that she please contact our customer support team at ************ for assistance.

  We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

  
  

• Initial Complaint

  Date:10/05/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Enova Financial Holdings, LLC. I do not have a contract with Net Credit, they did not provide me with the original contract as requested.

  Business Response

  Date: 10/16/2023

  Thank you for forwarding this complaint. NetCredit takes all complaints seriously and makes every effort to implement a fair and satisfactory resolution.
  

  After carefully reviewing this complaint, based on the information provided, NetCredit is able to locate several profiles with the name *******************************, however, we are not able to locate a profile that matches the complainants information (e.g. address, telephone number, email address, etc.).  In order to assist ****************** further, we ask that she please contact us at her earliest convenience to provide an account number and/or personal identifiable information to verify if there is an account. Our customer service departments phone number is ************.  Please note our hours of operation are Monday Friday 8AM 8PM CT and Saturday Sunday 9:00 AM 5:30PM CT.
  
  We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.