Debt collector · complaint record
Enova complaints CashNetUSA, NetCredit
Filed under ENOVA INTERNATIONAL, INC.
Consumers have filed 6,175 complaints about Enova since 2013, 1,345 of them in the last 12 months (+19% on the year before). It answered 100% on time and closed 0% with relief for the customer - less often than a typical debt collector. The most common problem is incorrect information on your report. It is the 36th most complained-about of 1,963 debt collectors this year.
Average response record. How it works
- Complaints on record
- 6,175
- Last 12 months
- 1,345
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 60
- Rank
- #36 of 1,963
Since August 2013
+19% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 31, 2026
Most complained-about debt collectors
Enova complaints by month
The busiest month was July 2026 (138 complaints). Complaints in the last 12 months are up 19% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Enova answered last 12 months
- Closed with explanation1,33098.9%
- In progress151.1%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers0/400% closed with relief
- Complaint trend8/15+19% vs last year
What Enova complaints are about
Top Enova problems last 12 months
Inside "Incorrect information on your report"
- Information belongs to someone else 298
- Account information incorrect 251
- Account status incorrect 225
- Old information reappears or never goes away 30
- Information is missing that should be on the report 11
- Personal information incorrect 9
Where Enova complaints come from
Most complaints: Texas (667), Florida (593), California (503), Virginia (501), Georgia (360).
Enova compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | World Acceptance (World Finance)Debt collection | 67 | 1,410 | B |
| 2 | NRA GroupDebt collection | 51 | 1,397 | C |
| 3 | BTH ManagementDebt collection | 43 | 1,379 | D |
| 4 | Collection ManagementDebt collection | 52 | 1,357 | C |
| 5 | Enova (CashNetUSA, NetCredit)Debt collection | 53 | 1,345 | C |
| 6 | Southwest Credit SystemsDebt collection | 100 | 1,341 | A |
| 7 | CavalryDebt collection | 66 | 1,333 | B |
| 8 | The CBE GroupDebt collection | 91 | 1,328 | A |
Compare side by side: Enova vs World Acceptance · Enova vs NRA Group · Enova vs BTH Management · Enova vs Collection Management
What people say about Enova
All experiencesNo experiences with Enova yet. Yours would be the first on the record - and the one the next person reads.
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Full logQuestions about Enova
How many complaints does Enova have?
Enova has 6,175 complaints on record since August 2013, including 1,345 in the last 12 months and 60 in the last 30 days. That makes it number 103 of every company by complaints this year.
Does Enova respond to complaints?
Yes. Enova answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 53/100 (grade C).
What do people complain about most with Enova?
The most common problems are incorrect information on your report (830), attempts to collect debt not owed (604), charged fees or interest you didn't expect (798).
Is Enova legit?
Enova is a real company with a public complaint record: consumers have complained about it 6,175 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Enova legit? for the signals, red flags and how to protect yourself.
Are complaints about Enova going up or down?
Up. There were 1,345 complaints in the last 12 months against 1,127 in the 12 before (+19%). See every month.
How do I file a complaint against Enova?
Complain to Enova in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Enova complaints come from?
Most come from Texas (667), Florida (593), California (503). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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