2026 data Public-data reference. official source

ENOVA INTERNATIONAL, INC.

4.5K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.

4.5K consumer complaints filed with the CFPB

This profile shows ENOVA INTERNATIONAL, INC.'s complaint history from CFPB public records. 4,483 consumers have filed complaints since 2013. The company has a 99.8% timely response rate and has provided relief in 0.6% of cases.

4.5K
Total Complaints
99.8%
Timely Response
3.3%
Disputed
0.6%
Relief Provided
52
States Active
2013
Since

Total complaints

4.5K

Filed since 2013

Timely response

99.8%

CFPB-tracked response window

Relief rate

0.6%

Closed with monetary or non-monetary relief

Timely response rate 99.8%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 0.6%
Industry median

Share closed with monetary or non-monetary relief.

ENOVA INTERNATIONAL, INC. complaint mix by product

Total complaints: 4.5K

ENOVA INTERNATIONAL, INC. complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 4.5K total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Debt collection: 1,309 complaints (29.8%), resolution 0.8% Debt collection 29.8% Payday loan,: 787 complaints (17.9%), resolution 0.1% Payday loan, 17.9% Payday loan,: 700 complaints (16.0%), resolution 0.7% Payday loan, 16.0% Credit reporting: 677 complaints (15.4%), resolution 0.6% Credit reporting 15.4% Payday loan: 422 complaints (9.6%), resolution 1.4% Payday loan 9.6% Credit reporting,: 345 complaints (7.9%), resolution 0.0% Credit reporting, 7.9% Consumer Loan: 147 complaints (3.4%), resolution 0.7%
  • Debt collection 1K 29.8% 1% relief
  • Payday loan, 787 17.9% 0% relief
  • Payday loan, 700 16.0% 1% relief
  • Credit reporting 677 15.4% 1% relief
  • Payday loan 422 9.6% 1% relief
  • Credit reporting, 345 7.9% 0% relief
  • Consumer Loan 147 3.4% 1% relief

How ENOVA INTERNATIONAL, INC.'s 4.5K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.

Complaints by Product

Product Complaints
Debt collection 1.3K
Payday loan, title loan, or personal loan 787
Payday loan, title loan, personal loan, or advance loan 700
Credit reporting or other personal consumer reports 677
Payday loan 422
Credit reporting, credit repair services, or other personal consumer reports 345
Consumer Loan 147
Credit card 34
Money transfer, virtual currency, or money service 24
Checking or savings account 9
Credit card or prepaid card 8
Bank account or service 6
Debt or credit management 4
Student loan 3
Money transfers 2
Vehicle loan or lease 2
Credit reporting 2
Prepaid card 1
Other financial service 1

Top States

State Complaints
TX 417
VA 395
CA 391
FL 373
GA 259
OH 215
LA 191
SC 162
AL 161
TN 154
NJ 150
MO 139
MD 132
WI 121
MI 117
IL 88
AZ 77
WA 61
DE 59
KS 57

Top Issues

Issue Complaints
Incorrect information on your report 607
Charged fees or interest you didn't expect 523
Attempts to collect debt not owed 379
Improper use of your report 319
Struggling to pay your loan 272
Communication tactics 233
Took or threatened to take negative or legal action 151
Charged fees or interest I didn't expect 149
Cont'd attempts collect debt not owed 128
Taking/threatening an illegal action 125
False statements or representation 117
Problem with a company's investigation into an existing problem 107
Problem when making payments 98
Getting a line of credit 91
Problem with a credit reporting company's investigation into an existing problem 84
Applied for loan/did not receive money 79
Written notification about debt 77
Received a loan you didn't apply for 74
Problem with the payoff process at the end of the loan 68
Getting the loan 65

Yearly Trend

Year Complaints Timely
2013 78 100%
2014 597 99.3%
2015 213 100%
2016 154 100%
2017 143 100%
2018 185 99.5%
2019 166 100%
2020 196 100%
2021 264 100%
2022 290 100%
2023 372 100%
2024 576 100%
2025 943 99.6%
2026 306 100%

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows About ENOVA INTERNATIONAL, INC.

ENOVA INTERNATIONAL, INC. has accumulated 4,483 consumer complaints in the CFPB public database, with filings active across 52 U.S. states. Of those submissions, 1,486 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 2013, and the most recent logged activity is 2026-03-30, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, ENOVA INTERNATIONAL, INC. reports a 99.8% timely-response rate and has closed 99.2% of cases with a written explanation to the consumer. 0.6% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 3.3% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Debt collection", and the single most common underlying issue is "Incorrect information on your report".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating ENOVA INTERNATIONAL, INC.: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.

Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.

Frequently Asked Questions

How many CFPB complaints does ENOVA INTERNATIONAL, INC. have?

ENOVA INTERNATIONAL, INC. has received 4,483 consumer complaints filed with the Consumer Financial Protection Bureau.

Does ENOVA INTERNATIONAL, INC. respond to complaints on time?

ENOVA INTERNATIONAL, INC. has a 99.8% timely response rate to CFPB complaints.

What is the most common complaint about ENOVA INTERNATIONAL, INC.?

The most common issue reported against ENOVA INTERNATIONAL, INC. is "Incorrect information on your report" in the "Debt collection" product category.

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