ONEMAIN FINANCIAL HOLDINGS, LLC.
Consumer Complaints
There are over 2646 complaints on file for ONEMAIN FINANCIAL HOLDINGS, LLC.. Dated between 2019-11-22 and 2012-04-20.
Complaints Page 13
2019-04-13
OH
Problem when making payments
Payday loan, title loan, or personal loan: Installment loan
Complaint: I have a loan with one main financial XXXX XXXX XXXX. XXXX oh XXXX my monthly payment is XXXX due on the XXXX of each month. they tried to take my XX/XX/XXXX payment out early and put me in insuffient funds. my credit union XXXX XXXX charged me XXXX XXXX XXXX. when I called branch manager at one main XXXX XXXX she apologized and told me she would return my XXXX. I went ahead and made a payment on line for XXXX $ on XX/XX/XXXX and then they went into my account again and took out XXXX.they double dipped.i have had problems before and they assured me everything was fine.XXXX even told me they would not debit my account twice but they did. these people can not be trusted.i will never do business with them again
Company Response: Closed with monetary relief
2019-04-12
Murray, UT
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Complaint: The company is one main financial I do have a loan I am making payments on they call me 2 to 5 times a day every day except Sunday I submit payments monthly of the amount owed and they still continue to call
Company Response: Closed with non-monetary relief
2019-04-11
Gloucester City, NJ
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks!
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX.
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX.
ACCOUNT NAME : XXXX XXXX, ACCOUNT # XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX.
ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX. ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.
ACCOUNT NAME : XXXX XXXX XXXX/XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX.
ACCOUNT NAME : ONEMAIN FINANCIAL, ACCOUNT # XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX.
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.
Company Response: Closed with explanation
2019-04-11
MI
Was approved for a loan, but didn't receive money
Payday loan, title loan, or personal loan: Title loan
Complaint: On Wednesday XX/XX/XXXX i applied online to One Main financial for a personal loan and was approved for an unsecured loan for the amount of {$17000.00} providing, according to the approval message received on the site, i would furnish proof of identity and could verify my income.I then was directed to go into my nearest One Main Financial office to furnish said proof. I was again told that if i provided the required info my loan was approved. I had my XXXX tax return and 1099s from XXXX. I was informed that they needed my XXXX tax returns as well. I then asked for an explanation of why they needed my tax returns as i had just financed 2 brand new vehicles with only my 1099 and a statement from the folks who issued my 1099. I asked to see the policy or have it explained that states this request and my request was refused. I then asked, " so the only way i can get this loan is to show my XXXX tax return? ". The branch manager XXXX said yes. I then informed her i didn't have it completed and would need time to prepare it. I then informed her that since she would not provide me with the policy they have concerning my tax info that i was contacting the executive office to get clarification.Executive office explained in detail and informed me to go back to the One Main branch i applied at to finish up my loan. On Thursday XX/XX/XXXX i went back in with my completed tax forms and was then told my application was deleted and now i needed to reapply. They then ran my application again and i was denied because of too many inquiries. Costing me not only the loan i was already approved for but hurting my credit unnecessarily. When i asked why they did this to me and deleted my initial approved app, XXXX stated that, i assumed you didn't want the loan anymore even though i never stated that and was actually only looking for clarification and for my completed tax return which i had my accountant working on in that week.
Company Response: Closed with explanation
2019-04-10
KY
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: XXXX XXXX XX/XX/18 One Main XX/XX/18 One Main XX/XX/18 XXXX/XXXX XXXX XX/XX/18 XXXX XXXX/XXXX XX/XX/18 All of these companies have been added to my credit report without my permission Ive fine called all of them and they said it would be disputed and off my credit report in 30-90 days and it has been that long since I contacted them and they still havent been removed from my report.
Company Response: Closed with explanation
2019-04-08
Cypress, AL
Incorrect information on your report
Payday loan, title loan, or personal loan: Installment loan
Account status incorrect
Company Response: Closed with explanation
2019-04-08
Basking Ridge, NJ
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation
2019-04-08
CA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks!
ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE:XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.
ACCOUNT NAME : BANK XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : l XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX.
ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.
Company Response: Closed with explanation
2019-04-08
Wilmington, DE
Problem when making payments
Payday loan, title loan, or personal loan: Installment loan
Complaint: I have a personal loan account with OneMain Financial Co. I had an automatic draft on my bank account for {$220.00}. due on XX/XX/XXXX. On XX/XX/XXXX, I called the branch manager to move the date to XX/XX/XXXX, since I receive XXXX on the XX/XX/XXXX Wednesday of month. The branch manager billed me that day XX/XX/XXXX, which over drafted my account and caused a domino effect of over draft charges. On XX/XX/XXXX, I made an office visit to address my issues on my account. The company gave me a {$36.00}. refund check for the over draft fee and meanwhile offered me additional money. I accepted an additional {$1500.00}. loan to address additional over draft charges that I might occur. I was told that they would refund my {$220.00}, and I wouldn't have to make a payment until XX/XX/XXXX, the new amount would be {$240.00}. mo.. I asked for my pay dates to occur on the XX/XX/XXXX Wednesday of the month ; I was charged {$34.00}. extra for the first payment {$270.00}. due on XX/XX/XXXX, which I paid {$270.00}, on XX/XX/XXXX. Over a week later, I received a {$220.00} refund check. On XXXX XXXX, I received a statement for {$500.00}, due on XX/XX/XXXX. stating that I was in the arrears and they wanted the {$220.00}. returned. Also, with them giving a check for {$36.00}. over draft because of their mistake ; they charged me {$34.00}. for an additional 10 days ; so they only refunded to {$2.00} for over draft. I received several phone calls demanding return of the {$220.00} ; and there was no 10 day grace period allowed for the initial payment. I am current on my {$240.00}. payments and do not feel that I should return the {$220.00}. when it was not even due until XX/XX/XXXX. The company made a mistake in their transactions and they want to hold me liable for it.
Company Response: Closed with monetary relief
2019-04-08
TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: In 2014 in XXXX or XXXX a loan was obtained using my personal identity information.i have shown this company proof I have been a resident if Texas and obtained copies if contract and if and social used which clearly weren't mine.I asked then to remove it from my XXXX credit report as it has been in there for 5 years in default. The last four of my social are XXXX
Company Response: Closed with explanation
2019-04-08
WI
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: On XX/XX/XXXX I asked for a personal loan from XXXX XXXX XXXX XXXX XXXX. for {$500.00}. After that I was paying on cash back to the loan. After 5 years of paying the minimum payment I still have the debt but now the debt increase because they said that issued a check for {$1000.00} written XX/XX/XXXX and {$700.00} of XX/XX/XXXX.The problem is that I never received those checks. Then I started investigated by myself. I hired an Attorney but anybody gave me a good answer. I obtained a copy of that check, proof 1 back and fort of the check No XXXX. the said that my complaint did not proceed because the check It was signed for me. The reality the check I have never signed or received. During that time I was in the hospital.
Until today after fighting 2 years trough attorney, and letters.. I still have problems with the check.
Any body believe me. I am desperate everybody said that I can not do anything about that debt.
Company Response: Closed with explanation
2019-04-08
Saint Clair, MO
Loan payment wasn't credited to your account
Payday loan, title loan, or personal loan: Payday loan
Complaint: In XX/XX/XXXX, I got a loan from one main fiancial for XXXX. I had been current on this loan till XX/XX/XXXX were my wife took ill and I had too take over all our bills. The balance was just over {$1900.00} when I stopped paying the bill. One main financial had stopped contacting me about the loan. Until late XX/XX/XXXX, to where I was informed by XXXX XXXX XXXX, a collections agency that they are representing one main financial and that they were attempting to collect over 3300.00 dollars on behalf of one main financial. They had got a court date and was pursuing too attempt to collect this amount. I contacted a lawyer that specialized in these situations. He told me I didnt have to go too court that he would handle it, which I wasnt able to attend anyway because of work. I assumed he would fight for the previous amount mentioned and that I owed. He said they wouldnt move from that price so we agreed that if I made a payment bye XX/XX/XXXX the judgement order wouldnt be enforced long as I stayed concurrent. Ive been current on such loan. On XX/XX/XXXX they one main financial reported to the credit bureau that I was late on loan. If this would have been discussed in renegotiating the loan ( meaning that they would still be reporting me as late to credit bureaus ) I would not have agreed to any terms with one main financial are there lawyers XXXX XXXX XXXX. They are deceiving the consumer allowing them to think that the loan has been put back in gud standings and it would be that way as long as youre current on said loan.
Company Response: Closed with explanation
2019-04-08
Wilkes Barre, PA
Problem with additional add-on products or services
Payday loan, title loan, or personal loan: Installment loan
Complaint: I had purchased a selection of insurance coverage protection plans when I obtained a loan through OneMain Financial. The coverage included involuntary employment insurance. Upon direction and full disclosure of my employment statuses, a claim for unemployment coverage was submitted to XXXX XXXX XXXX in XX/XX/XXXX, on my behalf. The claim was subsequently paid by XXXX XXXX XXXX, with no contact with me during the claim review process or upon determination of the claim status. Subsequently, through a 2nd period of unemployment, an additional claim was submitted to XXXX XXXX XXXX by OneMain Financial, on my behalf in XX/XX/XXXX. Upon submission of the 2nd claim, XXXX XXXX XXXX denied the claim and demanded repayment of the initial claim in a letter dated XX/XX/XXXX. The letter, furthermore, DEMANDED a written explanation of the initial, XX/XX/XXXX, unemployment claim as well as full reimbursement of the amount paid to OneMain Financial. In a subsequent letter, dated XX/XX/XXXX, XXXX XXXX XXXX alleged I presented misrepresented information, in violation of Pennsylvania 's illegal ac 18 PA ST 4117 and may be subjected to criminal and civil penalties. Upon receipt of the letter dated XX/XX/XXXX, I personally telephoned Ms. XXXX XXXX, IFC, Special Investigator and discussed my employment status as well as what was disclosed to OneMain Financial prior to submission of the initial claim. The branch office of OneMain Financial advised me, " all '' information would be submitted to " the insurance company '' as I was unaware of the XXXX XXXX, at that time, for company review. Ms. XXXX advised me all correspondence must be sent to XXXX XXXX XXXX in writing. In a letter dated XX/XX/XXXX, I recapped my displeasure with the reference of having conducted an unlawful act and personal attack on my reputation, character and integrity. In addition, I recapped the context of the telephone discussion I had with Ms. XXXX including reference to the telephone conversation that occurred between myself and the OneMain Financial branch office in XX/XX/XXXX. My XX/XX/XXXX letter also requested an amicable resolution to this matter. In response to my letter of XX/XX/XXXX, in a letter dated XX/XX/XXXX, by Ms. XXXX on behalf of XXXX XXXX XXXX, Ms. XXXX reference employment information obtained from 2 previous employers. The letter also referenced my response to " have you returned to work '' as " No ''. This response was the recommended response by the OneMain Financial branch as there was a gap in employment, part of which was voluntary, however, the branch office of OneMain Financial led me to believe the verbal dialogue as well as the signed claim form would all be submitted to XXXX XXXX XXXX, on my behalf. The letter continued the DEMAND for repayment and included a letter dated XX/XX/XXXX purported to have been sent to me indicating the claim had been reviewed and paid to OneMain Financial. In a response letter, dated XX/XX/XXXX to XXXX XXXX XXXX, my introduction portion of the letter indicated " With all due respect, XXXX has reviewed and made the determination based upon information provided by other parties. In addition, the letter requested specific information including, any information obtained from the OneMain Financial branch office, details regarding information obtained from previous employers, request for termination of any coverage provided by XXXX XXXX XXXX on my behalf, effective XX/XX/XXXX, an explanation why XXXX XXXX XXXX is demanding payment from me for monies paid to OneMain Financial, a review and determination of 2 months for which I should be eligible for payment and a detailed plan to resolve this issue as well as correction to IRS reporting. In a response letter from XXXX XXXX XXXX, dated XX/XX/XXXX, the letter references " validation '' of employment by previous employers, an interview with the branch manager of OneMain Financial that referenced my discussion with the branch manager regarding insurance coverages included with my loan. In addition, the interview with the branch manager references the branch manager did not advise me benefits would be paid, however, " XXXX '' would review the information and then make a determination on my claim. Notwithstanding, what has been stated, the letter as well as the " interview '' do not reference the full disclosure of employment statuses made by me to the OneMain Financial branch office. The letter, furthermore, indicates any additional information necessary for XXXX XXXX to review the claim would be requested from me. There was NEVER any contact by or with me, from XXXX XXXX XXXX until XX/XX/XXXX. XXXX XXXX XXXX provided for a written repayment plan which must be executed within 30 days of the XX/XX/XXXX letter, an involuntary unemployment claim form for the 2 months previously questioned, refused to cancel the insurance coverage, as requested in my XX/XX/XXXX letter, indicating the cancelation must be requested through the OneMain Financial branch, refusal to release information obtained from a previous employer and indication the IRS reporting correction would be processed upon full repayment. The letter also indicates XXXX XXXX XXXX is demanding repayment from me rather than OneMain Financial " because the insurance contract is between myself and XXXX '', " not between XXXX and OneMain '', however " made benefit payments to OneMain Financial on my behalf '' for the claim in question. If in fact the insurance contract is between myself ( the borrower ) and XXXX XXXX ( the underwriter ), why have benefits been paid to OneMain Financial? If the insurance contract is between myself ( the borrower ) and XXXX XXXX ( the underwriter ), why do I need to contact the OneMain Financial branch office to cancel coverage? If the insurance contract is between myself ( the borrower ) and XXXX XXXX ( the underwriter ), why will the eligible benefits be paid to OneMain Financial?
Company Response: Closed with explanation
2019-04-06
Irvine, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: 1 ) On XX/XX/219, I received a Credit Alert from XXXX. XXXX Alert shows my OneMain Financial as " Settlement ''. I never signed a settlement nor verbally agreed to one.
2 ) On XXXX my XXXX XXXX XXXX account shows a balance of {$2400.00} however I paid {$25.00}. The account should show a balance of {$2400.00}.
Company Response: Closed with non-monetary relief
2019-04-06
Carson, IA
Problem with the payoff process at the end of the loan
Payday loan, title loan, or personal loan: Installment loan
Complaint: I had an existing loan with One Main Financial and decided to refinance the loan. I went in to the office on XX/XX/2019 to sign the final paperwork and during that time, XXXX ( my loan officer ) mentioned to me that I would have a refund coming to me for the unused portion of my insurance that had been paid on my previous loan and that I would be receiving that in the mail. I did not receive the check in the mail so I called XXXX on XX/XX/XXXX to see if he could call the insurance company. I was worried that maybe it had been lost or stolen. He said he would call me back. He never did so the following Tuesday I called and the manager answered and said XXXX was busy. I explained what had happened and he seemed very aware of the conversation I had with XXXX. He told me things had changed and they were no longer refunding the money. I told him that was not what XXXX had said to me and the papers I had signed did not reflect this. He said he was going to check into this and call me back and never did. On XX/XX/XXXX I sent an email to " One Main Support '' and received a reply the next day which said " Your message has been forwarded to our Executive Office of Customer Care ''. I don't understand why it is so difficult to get an answer from this company. Also, if I am not entitled to this refund why did XXXX tell me I would be receiving it? And I would like them to come up with a document ( with my signature ) saying that I am not entitled to the money. I don't think that is asking too much.
Company Response: Closed with explanation
2019-04-06
NC
Vehicle was damaged or destroyed the vehicle
Payday loan, title loan, or personal loan: Title loan
Complaint: I had a XXXX XXXX XXXX XXXX XXXX. I got a title loan in XXXX and one main financial has loaned me through the past years up to XXXX dollars.the last rework of the loan was XXXX in XXXX. I asked how can you loan that much if the car isn't worth that much. I was told at that time that it was. Here 's my problem. On XXXX XXXX.of XXXX I was in an accident that totaled my car. My insurance pd XXXX for the car as I was not at fault. This being XXXX of XXXX one main financial will not rework the loan, although the insurance check went straight to them and they sent the title to my insurance company. I spoke to XXXX at one main financial in XXXX, nc on Friday XX/XX/XXXX. I was told I would have to make 6 regular payments before they could rework it. I have a different car now and have a XXXX dollar monthly payment. I am XXXX retired widow on XXXX raising my granddaughter since her birth in XXXX. I have a mortgage payment of XXXX on my house monthly. Because I adopted my granddaughter, she gets XXXX a month off my husband since his death in XXXX. I have utilities to pay, cell phone, internet service, and groceries and clothes and whatever she needs. I can't get any help with XXXX XXXX XXXX because I adopted her. My point being. I can not come up with an extra XXXX to repay one main financial for even 6 monthes. They denied my request to rework the remainder of my loan to a smaller payment. What happens. They have no collateral and i don't have any extra money. What can I do?
Company Response: Closed with explanation
2019-04-05
Chicago, IL
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Complaint: I obtained a copy of my XXXX credit report and observed a credit inquiry from one main financial on XX/XX/2017 which I did not authorize and is having a negative impact on my credit history.one main financial has not given me written documented proof I consented to these hard inquiries as required per section 605 and section 609 of the federal credit reporting act and proof of accuracy of inquiries as required per section 623 of the federal credit reporting act..I have been a victim of identity theft in the past per my fraud alert on my XXXX report
Company Response: Closed with explanation
2019-04-05
Fort Worth, TX
Threatened to contact someone or share information improperly
Debt collection: Payday loan debt
Talked to a third-party about your debt
Complaint: We have had 2 loans with XXXX XXXX XXXX - one secured by car, other unsecured. We fell behind on payments a few months ago following our daughter becoming a victim of violent crime. We have continued to make payments but can not get caught up from the one month late payment. All of our payments are going to interest only and the company refuses to help us make arrangements to get caught up. They keep threatening us with repossession of our vehicle but refuse to let us get back on track. They call my husbands cell and my cell constantly every day, from different numbers. Yesterday, the contacted my mother - who has no knowledge of this or connection to it. They pretended to be a legal service company, stating they were attempting to serve me with legal documents and that if they dont receive my signature by today, they will document my refusal to sign and the process will move forward without me. They told all of this to my mother who is not party to this debt. They are impersonating a legal entity and threatening legal actions to us and others about us. Yet, when we try to work out arrangements with them, they demand full payment of past due and currently due and still threaten repossession. We do not know what else to do. We have been frantically trying to resolve this issue but they continue to get more aggressive and threatening instead of helping. Weve even considered bankruptcy filing due to this situation. It is illegal to pretend to be a legal process server/threaten legal action/tell others about my debt or threaten them about my debt. This needs to be stopped. Note : my husband is the party on this loan. He is also the owner of the vehicle involved. Yet, one main is contacting myself and my mother repeatedly and sharing debt information and threatening legal action against my husband.
Company Response: Closed with non-monetary relief
2019-04-03
Akron Canton Region Airport, OH
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2019-04-03
OK
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Complaint: OneMain Financial has violated the terms of the Fair Credit Reporting Act by conducting a hard credit pull of my credit file without my authorization.
I did not authorize a hard credit pull by OneMain or XXXX, the matching service that OneMain received my information from, for a personal loan. OneMain, without authorization and despite the fact that I never contacted them or communicated with a representative in any way, ran a hard credit pull on my credit history.
XXXX made it clear that no hard check would be run, and that options listed were based only on a soft check. At no point did I authorize a hard check with XXXX or OneMain, which obtained my information from XXXX.
I've spoken with XXXX after speaking with the OneMain office in XXXX XXXX this morning, and verified with XXXX 's agent that their terms and conditions do not include authorizing a hard credit check either by XXXX or One Main.
I called OneMain for the first time morning after noticing that OneMain had done a hard pull on my credit, again without ever obtaining my authorization.
I've pasted a transcript of the conversation with the XXXX agent, along with the terms and conditions I agreed to with XXXX, which did not authorize XXXX, OneMain or any affiliate that XXXX works with to conduct a hard pull. The terms are available both in the chat pasted below and on the link.
This morning, I was told by OneMain that XXXX gave permission to do a hard check on my credit, which their agent says they never do. Again, their terms and conditions, listed on their website, also support this.
I have asked OneMain to correct this situation.
The unauthorized credit pull caused my credit score to drop 20 points.
Briefly tell us how we may assist you today : I was just speaking with XXXX, and was disconnected Chat XX/XX/2019 XXXX XXXX Hello, this is XXXX, it's my pleasure to assist you today.
XXXX XXXX It was listed as only doing a soft credit check XXXX XXXX Instead, one lender who received information from you processed a hard credit check, and I had never contacted them nor given authorization to do so XXXX XXXX I spoke with them this morning and they said that through XXXX there was an authorization not only for a soft check but a hard check also XXXX XXXX I see a note in the file that a loan matching specialist tried to call you to go over your loan options but they were unable to reach you by phone. Do you have 5-10 minutes to speak with them now to give yourself the best chance for loan success?
XXXX XXXX This was not something I authorized XXXX XXXX Where in the authorization that I gave does it allow for a hard credit check XXXX XXXX Filling out a form on our site will not impact your credit as your credit is not going to be pulled by XXXX. Your information will be used to match you with the most suitable financial solution for your situation.
XXXX XXXX It did affect my credit. In fact, my score went down 20 points because of a hard check done by OneMain, but I never spoke to them. They said the hard authorization was agreed to when I filled out the form with XXXX XXXX XXXX But the form with XXXX said that it was a soft check, which does not affect one 's credit score XXXX XXXX Not with us.
XXXX XXXX Where did I authorize OneMain to run a hard check through an agreement with XXXX XXXX XXXX Sir I apologize but you are mistaken, we never take any confidential information from you.
XXXX XXXX There are lenders in our network that will do a pre-approval with what's called a soft inquiry on your credit report, but before funds are dispersed every lender will always perform a regular credit check.
XXXX XXXX I am not mistaken. I'm going only on what I was told by OneMain this morning, and based on when I filled the information in with XXXX that this was an authorization for a soft check only XXXX XXXX Can you confirm that your policy does not authorize a hard check XXXX XXXX And are there terms and conditions that I can either be emailed or find in connection to what I did authorize with XXXX that clarify this XXXX XXXX Your privacy is one of our top concerns. First off, we don't ask for highly private information, such as your social security number or D.O.B. Second, we don't share your information with partners unless you give us permission to do so. We also have the highest level of security encryption available on our servers.
XXXX XXXX I need to submit information now to have that removed from my credit report XXXX XXXX It appears that another company is improperly using our name and reputation. At XXXX, we are not a direct lender. We are a free service that helps connect our clients with the best lender or other financial solution for their situation.
XXXX XXXX For the record, my DOB was collected when I filled out the XXXX check through XXXX XXXX, and it was also clearly stated that this would be a soft check only XXXX XXXX Where are the terms and conditions that pertain the information I submitted XXXX XXXX At XXXX we are not the direct lender. We are a free service that has been in business since XX/XX/XXXX. We instantly match you with the most suitable financial solution for your situation in your market area, with zero obligation. We work with a network of highly rated and trusted providers that provide loans for those with poor to excellent credit, and are confident we can assist you to find your best option.
XXXX XXXX They are on our website.
XXXX XXXX I completely understand that and that's not what I'm asking for XXXX XXXX XXXX XXXX XXXX Where are the terms and conditions specific to the information I submitted XXXX XXXX Or are you saying there is just one set XXXX XXXX Welcome! XXXX XXXX ( " XXXX '' or " us '' or " we '' or " our '' ) provides its services ( described below ) to you through the website located at XXXX and its related sub-domains ( the " Site '' ) and through its mobile applications and related services ( collectively, such services, including any new features and applications, and the Site, the " Service '' ), subject to the following Terms of Service ( as amended from time to time, the " Terms of Service '' ). Through the Service, we provide credit-related information, products, services and other features. XXXX XXXX is a subsidiary of XXXX XXXX , XXXX ( Licenses ) By using or accessing any part of the Service, you are agreeing to these Terms of Service, our Privacy Policy and all other policies or notices posted by us on our Sites at the time of such access or use.
If you don't agree to these Terms of Service, don't use the Service. We can change these Terms of Service at any time without any notice to you. We will change the last revised da XXXX XXXX I need to have the information so that I can take the hard pull off my account XXXX XXXX I don't think you're getting the point of this conversation XXXX XXXX Sir we never pulled your credit.
XXXX XXXX And I never said that you did XXXX XXXX Whatever company you applied with did.
XXXX XXXX XXXX am clarifying that XXXX did not pass along an authorization, allegedly by me to XXXX, to a third party lender -- in this case OneMain XXXX XXXX Then you can contact Onemain.
XXXX XXXX Omg, you have got to read before you respond. I told you that I contacted OneMain, and that they said, which you say is not true, that I gave authorization to them through XXXX to pull a hard credit report.
XXXX XXXX We were just trying to discuss more targeted options with you.
XXXX XXXX May we have a good number to reach you?
XXXX XXXX You say that that is not the case. I am speaking with you only to have this in writing and to obtain the terms and conditions, which you have provided, so that I can provide that to the credit rating agency to have this removed XXXX XXXX You have clarified this and I will submit the terms that you posted and our conversation XXXX XXXX If you have any further questions we are available at XXXX. Mon-Fri XXXX EST and Sat XXXX EST. I will be ending our chat session now.
XXXX XXXX Can you please send the transcript of that chat XXXX XXXX I need it to submit to the credit reporting agency XXXX XXXX Here is a link to our terms sir. XXXX XXXX XXXX
Company Response: Closed with explanation
2019-04-02
Rockledge, FL
Problem when making payments
Payday loan, title loan, or personal loan: Personal line of credit
Company Response: Closed with explanation
2019-04-02
Des Moines, IA
Struggling to pay your loan
Payday loan, title loan, or personal loan: Installment loan
Company Response: Closed with explanation
2019-04-02
CO
Getting a line of credit
Payday loan, title loan, or personal loan: Personal line of credit
Complaint: Why does XXXX XXXX allowed to have companies that advertise and they endorse that say they can help you fix your credit by offering consolidation loans and then they tell you that unless you have a score of 700 or above they can't help you, in the mean time run a hard credit check and bring down your score more?
I have gotten numerous emails, texts, and phone calls from companies endorsed by XXXX XXXX that just say that my score of XXXX prevents them from financing me. That unless I have a score of 700 or above that they can't help me.
Company Response: Closed with explanation
2019-04-01
Fayetteville, NC
Incorrect information on your report
Payday loan, title loan, or personal loan: Title loan
Account status incorrect
Company Response: Closed with explanation
2019-03-31
Plymouth, FL
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Complaint: This company ran my credit without my consent. I have never applied nor contacted them. I never authorized them to run my credit. I have contacted them several times with no resolution.
Company Response: Closed with explanation