This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 1,655 complaints

Enova International, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 49 states, reputation grade D.

Complaints by issue type

What consumers report about Enova International, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 58.3/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Enova International, Inc. ranks ahead of 36% of the 5,283 collectors PlainCollector grades - 64% keep a cleaner CFPB record, on 1,655 all-time complaints and a 100% timely-response rate.

36th pct
reputation rank of 5,283 graded collectors
1,655
CFPB complaints, all-time
100%
answered inside the CFPB window
466
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Enova International, Inc.?

Enova International, Inc. has accumulated 1,655 total CFPB complaints across 49 states, with 466 filed in the most recent 12 months against 1,189 historical complaints before that window. The trailing-12-month volume represents 28.2% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 100% timely-response rate against a 10% consumer-dispute-after-response rate.

Complaints have been recorded across 49 states, led by Texas with 226 and California with 143. Normalized against the full CFPB collector database, the reputation score of 58.3/100 places Enova International, Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

1,655

high-volume (CCDB)

Last 12 months

466

28.2% of all-time complaints

Stable →

States active

49

multi-region footprint

Timely response rate

100%

excellent band

Consumer disputes

10%

low (vertical avg ~19%)

Reputation grade

D

58.3/100 composite

How does Enova International, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

58 36th percentile higher than 36% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Enova International, Inc. versus the debt-collection vertical average.

Timely response within SLA 99.7%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 9.8%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 87.5%

Share of US states + territories with at least one filed complaint against this collector.

How does Enova International, Inc. compare to its peers?

How does ENOVA INTERNATIONAL, INC. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
ENOVA INTERNATIONAL, I… National average
Complaints (last 12 mo)lower is better
466
775
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
10%
13%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 520
Communication tactics - 265
Took or threatened to take negative or legal action - 220
False statements or representation - 160
Cont'd attempts collect debt not owed - 133
Taking/threatening an illegal action - 126
Written notification about debt - 108
Threatened to contact someone or share information improperly - 41
Improper contact or sharing of info - 38
Electronic communications - 23

Where do complaints against Enova International, Inc. come from?

Enova International, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Enova International, Inc.

Across 49 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Enova International, Inc. contacts you

A grade of D signals how Enova International, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Enova International, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Enova International, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Enova International, Inc.? ▼

The most common issue consumers report about Enova International, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 1,655 complaints filed with the CFPB.

Are complaints against Enova International, Inc. increasing or decreasing? ▼

Complaints against Enova International, Inc. have been stable. The company received 466 complaints in the last 12 months.

What is Enova International, Inc.'s reputation grade? ▼

Enova International, Inc. has a reputation grade of D (score: 58.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Enova International, Inc. respond to consumer complaints? ▼

Enova International, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 10% of cases.

In how many states does Enova International, Inc. operate? ▼

Enova International, Inc. has received CFPB complaints from consumers in 49 states, with the most complaints from Texas (226 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.