Total CFPB complaints
1,468
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 1,468 complaints
ENOVA INTERNATIONAL, INC. — Debt Collector Complaint Profile
CFPB complaint profile across 48 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about ENOVA INTERNATIONAL, INC.
- Attempts to collect debt not owed
Attempts to collect debt not owed
431 complaints
- Communication tactics
Communication tactics
195 complaints
- Took or threatened to take negative or legal action 116
Took or threatened to take negative or legal action
116 complaints
- False statements or representation 111
False statements or representation
111 complaints
- Taking/threatening an illegal action 97
Taking/threatening an illegal action
97 complaints
- Cont'd attempts collect debt not owed 73
Cont'd attempts collect debt not owed
73 complaints
D
Grade D · 58.3/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about ENOVA INTERNATIONAL, INC.?
ENOVA INTERNATIONAL, INC. has accumulated 1,468 total CFPB complaints across 48 states, with 358 filed in the most recent 12 months against 1,110 historical complaints before that window. The trailing-12-month volume represents 24.4% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 10% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 48 states, led by Texas with 191 and California with 136, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.3/100 places ENOVA INTERNATIONAL, INC. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
358
24.4% of total history
Rising ↑
States active
48
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
10%
After company response
Reputation grade
D
58.3/100 composite
Response-quality profile
How ENOVA INTERNATIONAL, INC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 19.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 85.7%
Share of US states + territories with at least one filed complaint against this collector.
How does ENOVA INTERNATIONAL, INC. compare to its peers?
ENOVA INTERNATIONAL, I… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed431 (%)
Communication tactics195 (%)
Took or threatened to take negative or legal action116 (%)
False statements or representation111 (%)
Taking/threatening an illegal action97 (%)
Cont'd attempts collect debt not owed73 (%)
Written notification about debt58 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 200 |
| Attempts to collect debt not owed | Debt was result of identity theft | 184 |
| Communication tactics | Frequent or repeated calls | 130 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 116 |
| False statements or representation | Attempted to collect wrong amount | 111 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 97 |
| Cont'd attempts collect debt not owed | Debt is not mine | 73 |
| Communication tactics | Threatened to take legal action | 65 |
| Written notification about debt | Didn't receive enough information to verify debt | 58 |
| Attempts to collect debt not owed | Debt was paid | 47 |
Where do complaints against ENOVA INTERNATIONAL, INC. come from?
The states where consumers have filed the most CFPB complaints against ENOVA INTERNATIONAL, INC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against ENOVA INTERNATIONAL, INC.
Across 48 states with at least one filing
- Texas
Texas
191 complaints
- California
California
136 complaints
- Virginia
Virginia
111 complaints
- Florida
Florida
109 complaints
- Ohio
Ohio
88 complaints
- Georgia
Georgia
78 complaints
- Louisiana 55
Louisiana
55 complaints
- Alabama 53
Alabama
53 complaints
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 1,468 complaints filed with the CFPB.
Are complaints against ENOVA INTERNATIONAL, INC. increasing or decreasing? ▼
Complaints against ENOVA INTERNATIONAL, INC. are rising. The company received 358 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is ENOVA INTERNATIONAL, INC.'s reputation grade? ▼
ENOVA INTERNATIONAL, INC. has a reputation grade of D (score: 58.3/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 48 states, with the most complaints from Texas (191 complaints).
What can I do if ENOVA INTERNATIONAL, INC. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If ENOVA INTERNATIONAL, INC. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |