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 16
2019-02-21
Fargo, ND
Getting the loan
Payday loan, title loan, or personal loan: Installment loan
Complaint: I applied for a loan of XXXX with One Main Financial loan. On the enitre site and terms did it not state that I have to be a resident of North Dakota nor a problem with my address. I have made multiple calls to both the XXXX branch and XXXX branch told them my address. I also told the XXXX branch what my address is and located for. I called the OneMain Financial branch in XXXX and XXXX, ND and I informed of the XXXX XXXX XXXX XXXX XXXX nd is my address. I informed that the house in XXXX XXXX XXXX is on sale and i need the load for multiple things like deposit and car. I went to the XXXX nd branch due to the fact that the XXXX branch bus directions online lead me there. The person at the desk printed my ID off I told him my address, ask me for more information, I told him my address and if there anything I need. Just a Social Security Card. I gave them a passport and he said I have ot be a resident. I have already informed that and he kept taking more and more info about my social security and my dob. I have called XXXX and they stated I need a address on which i gave. I even gave my bank mailing address for my bank info.
Company Response: Closed with explanation
2019-02-21
Traver, CA
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 am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : ONEMAIN XXXX XXXX XXXX XXXX, IN XXXX XXXX Those dates are : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX
Company Response: Closed with explanation
2019-02-19
Canton, OH
Problem when making payments
Payday loan, title loan, or personal loan: Personal line of credit
Company Response: Closed with explanation
2019-02-19
Clayton, MO
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: XXXX and XXXX are reporting past due on the OneMain account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. I have disputed this directly with the two bureaus and still this has not been corrected. It is impossible to be late on payments that have a {$0.00} balance and {$0.00} past due.
Company Response: Closed with explanation
2019-02-19
Key Biscayne, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I've made many attempts to contact the company I've already informed them many times that the account was opened fraudulently and I've sent them police reports, FTC affidavit my license and social and my dispute letter I've contacted them while at the police station with the detective that is handling, y case and they are still refusing to remove and/or block this fraud information.
Company Response: Closed with explanation
2019-02-18
Wichita, KS
Communication tactics
Debt collection: Payday loan debt
You told them to stop contacting you, but they keep trying
Company Response: Closed with non-monetary relief
2019-02-18
Philatelic Center, CA
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Title loan
Complaint: XX/XX/2019 Paid monthly payment of {$410.00} to One Main Financial. Charged {$400.00} Interest and Fees and {$7.00} principal.
Company Response: Closed with monetary relief
2019-02-18
Silver Spring, MD
Struggling to pay your loan
Payday loan, title loan, or personal loan: Installment loan
Complaint: I received a loan from One Main Financial 's XXXX, MD office back in XX/XX/XXXX. I made one payment, then in XX/XX/XXXX, I was offered an additional amount to be added to my loan, so I accepted. At the time, I was unaware that my initial loan would be " satisfied '', and a new loan would be opened under a new account, but I was not focused on that because I was thinking of the holidays and my daughter 's XXXX Birthday approaching, and what I'd be able to provide for myself and my children. I was told that furthermore, my first payment after the additional amount was added wouldn't be due until XX/XX/XXXX, so I had plenty of time to enjoy the holidays.
Tragically, I was terminated by my employer on XX/XX/XXXX, so my life took a drastic turn for the worse. There's an insurance program attached to the loan, and I've been getting conflicting information from different employees at the One Main XXXX office, as well as the One Main customer service center in Texas. There are 2 different insurance companies that One Main uses, depending on what type of loan you have ( that was described to me by the customer service rep. ) One is XXXX, the other is XXXX.
According to customer service, my account is being handled by XXXX, but when the XXXX, MD office manager mailed me the forms to complete and submit, they were for the XXXX company. I told customer service, and the rep. said she would send me the correct forms to submit, and that I had to wait until it had been one month since my termination from my employer, which I had not heard from anyone at the XXXX, MD office. The XXXX, MD office manager did suspend my account, after speaking with me about my situation, but that suspension ended on the XX/XX/XXXX, less than a month after my termination, and I started getting calls from a Mrs. XXXX at the XXXX, MD office. While speaking to her this morning on the phone, she told me that I should borrow some money to make a payment, or she fears " the lawyers '' will take over my account and the XXXX office will lose control of it. She also told me to contact the State Department, since I've been unsuccessful in reaching anyone from the unemployment office in order to submit my claim. I'm somewhat confused, disoriented, and unorganized, due to everything that's been happening all of a sudden.
Company Response: Closed with explanation
2019-02-17
Golden Isles, FL
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Title loan
Company Response: Closed with explanation
2019-02-16
Orlando, 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
Company Response: Closed with explanation
2019-02-14
Brkn Arw, OK
Incorrect information on your report
Payday loan, title loan, or personal loan: Installment loan
Information belongs to someone else
Company Response: Closed with explanation
2019-02-13
CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: XXXX XXXX, XXXX XXXX is a victim of identity theft. He was notified by your XXXX XXXX XXXX of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX and XXXX credit report XX/XX/XXXX related to that application. A formal dispute was mailed to XXXX XXXX XXXX XX/XX/XXXX ; as of this date XXXX XXXX XXXX has not replied to the dispute which is a violation of the FCRA.
Company Response: Closed with explanation
2019-02-12
Grosse Ile, MI
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Complaint: First of all, I am wondering how XXXX XXXX XXXX is still in business running the same scam as before the CFPB sued them. They did not speak with several of my loan companies at all and by the time they realized that two of them wouldn't work with a debt relief company I was already over 8-months behind in payments and catching up put a huge financial burden on my family and I had to take money out of my 401K ( and the tax penalty ) to catch up the payments. Because, not only was the payment per month to XXXX not being adjusted for the accounts that wouldn't settle, I was now having to pay 3 companies more than I was paying prior to signing up with XXXX and their monthly fee. I was also sued by a credit card company because they didn't negotiate in time. Then when I was told my last payment would be in XXXX, they extended the program to XXXX because I still owed them fees. We decided to take out a Home Equity Loan to pay them off once and for all because I took all but one of my debts out of their program was told that all I had to pay was {$780.00} and would never have to deal with them again, called in today and all of a sudden they said I owed upwards of {$1600.00} to pay them off. She eventually corrected the amount to {$800.00} but still not what I was told just last week. This entire company is a scam. They wouldn't let me leave last year and take the settlement to XXXX, who, by the way, is a much better and more client focused debt relief company, because I had a structured settlement. And that settlement was for 50 % of the debt I owed but the fees they charge, 25 %, make this program almost useless. Why settle if you are just going to charge that amount in fees. I am unclear how the CFPB allows this company to continue to scam people. I have lost over {$2500.00} with them and even though I am paying them off in two weeks they told me I had to continue to pay my monthly payment until XXXX so I had to make a special request for them to halt my automatic payments they have coming out twice a month.
Company Response: Closed with explanation
2019-02-11
Discovery Bay, CA
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: Credit inquiries that i do not recognize.
Company Response: Closed with explanation
2019-02-11
Scottsdale, AZ
Attempts to collect debt not owed
Debt collection: Auto debt
Debt was paid
Complaint: the debt was with XXXX, they sold it to a company called XXXX, they also reported to my credit report- and I paid XXXX - and they removed their derogatory mark but XXXX is still reporting as a closed charge off - i've asked them to remove it all together since ive already paid the debt and they don't
Company Response: Closed with explanation
2019-02-10
Bellwood, IL
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Personal line of credit
Complaint: One main fin is a rip off they are charge me 100 % I receive XXXX and they want XXXX back
Company Response: Closed with explanation
2019-02-10
Moselle, MS
Getting the loan
Payday loan, title loan, or personal loan: Installment loan
Complaint: I received an unsolicited, pre-approval notice from XXXX XXXX that I could get a loan from One Main Financial. I was glad to know that since I had a discharged bankruptcy on my credit report history as recent as XX/XX/XXXX. Since that bankruptcy, I have taken out one installment loan with my bank and have opened 4 credit card accounts, ( all in good standing ). So I applied for XXXX dollar, 24 month term loan, and I got a approval notice by email. The reason I applied for the loan was to have a diverse amount of credit history, so as to re-establish my credit history since the bankruptcy discharge. I spoke with credit manager at the local branch about my approval letter and according to her everything was alright, but she was rude and quite unbusiness like, after our heated discussion, I got a letter from the main office in Indiana stating my loan was denied, without stating any specific reason ( s ), even though it was approved, ( I have screen shot of approval notice ). My credit score went from a low of XXXX to a high of XXXX ( XXXX ), ( XXXX XXXX ), ( XXXX, XXXX ). Now, as a result of one main financial pulling a credit report, my credit score went down three points, thus making any future approval for loans from other potential lenders, possibly hard to get, that enquiry will be on my credit report for 2 years, thus making any possible future loans hard to get. I think it is bad business and very bad for the consumer when something like that happens, it hurts the consumer. My loan should had went through but because of the branch managers bad attitude, I did not get the loan I was pre-approved and qualified for. Reference number, XXXX, letter dated, XXXX XXXX, XXXX. I uploaded per their request, all documentation that was required, and my credit report has nothing negative showing on it but a discharged bankruptcy dating back to XXXX. I work and have a steady income, so there is no reason why I shouldn't get the loan I was approved for. Also the manager at one main financial in XXXX, Ms where I was suppose to sign for the loan, told me on the phone that since the bankruptcy had been discharged, that would have no negative affect on my approval status, also, she said that my credit score was within the range of being approved for the small, unsecured loan. But because she developed a attitude ( bad for business ), my loan appearantly was changed from being approved to denied.
Company Response: Closed with explanation
2019-02-09
Gilmore, MO
Incorrect information on your report
Mortgage: Other type of mortgage
Company Response: Closed with non-monetary relief
2019-02-09
Patterson, MD
Was approved for a loan, but didn't receive the money
Payday loan, title loan, or personal loan: Payday loan
Complaint: I applied for a loan through One Main Financial ad received a call from who I thought was the company telling me i Had been approved. Below is a copy of the loan acceptance letter ; One Main Financial XXXX Attachments XXXX XXXX ( 3 hours ago ) to me Hello, Mr.XXXX In this Consumer Loan Agreement ( " Loan Agreement '' or " Agreement '' ), the words " You '' and " Your '' mean the Borrower identified above. The words " We, '' " Us '', " Our '' and " Lender '' mean One Main Financial holdings, LLC, licensed and regulated by the State of Washington Bank Commissioner.
Monthly Installment Amount {$260.00} Total Months to Re- Pay your loan Amount 12 MONTHS Amount Financed The amount of credit provided to you {$3000.00} PAYMENT SCHEDULE : SECURITY : You have to secure with XXXX ( XXXX XXXX XXXX ) which is going to cost you {$190.00} ( for next 12 months ) which is a Refundable Amount.
LATE CHARGE : If your payment is one or more days late, you will be charged a one-time late fee in an amount that is the lesser of {$30.00} or 5 percent of the total late Payment ( including finance charge ).
PREPAYMENT : If you pay this loan off early, you will be entitled to a refund of any unearned finance charge. Review this entire Loan Agreement for additional information about nonpayment, default and prepayment refunds.
Disbursement Authorization : You authorize us to disburse the proceeds of Your Loan, totaling ( Loan Amount ), subject to the terms and conditions of this Loan Agreement, as follows : 1. {$35.00} to payoff outstanding amounts owing on prior loan ( s ) ( Number ( s ) ), including any outstanding principal, accrued interest and other fees and charges, if any, As of ( Date of Loan ) 2. Loan amount will be deposited to your checking account identified in ACH authorization here in. Thanks Regards, XXXX XXXX ( loan manager ) One Main Financial XXXX XXXX XXXX I'd paid for the insurance to realize that it was all a scam. Asked for my money back and was told it can't be cancelled be cause the player quit the game.
Company Response: Closed with explanation
2019-02-08
Bath, SC
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Installment loan
Complaint: I had a loan with One Main Financial for a few years making monthly payments, never seemed to decrease the balance. We came to a Settlement agreement of {$4900.00} agreed upon, XX/XX/XXXX, Payment attempt made, unfortunately had an emergency come up that affected the payment, no communication from One Main other that a Monthly statement that only stated the amount of {$4900.00}. Finally on XX/XX/XXXX we were able to make the payment of {$4900.00} and wrote in the Memo and on the payment stub, " Paid In Full ''. One Main has accepted this payment and credited it to the Account, however they are stating that there is still a remaining Balance of $ XXXX and that the account is not closed and paid in full. This information was provided by the Customer Service Rep, when I asked to speak with a Supervisor / Manager, and VP, Executive ETC. that could help with this matter, I was told that all the supervisors were at lunch and that there was not a Executive or VP or Higher within the company that I could speak with. The only help that they offered was to set up another settlement for the $ XXXX that they are saying, I still owe with no written documentation sent to me.
and the offer to modify the amount which I declined, because they are Now PAID IN FULL, and this account needs to reflect this.
I have paid well over the borrowed amount between the monthly payments that were made for 4+ years and the settlement of {$4900.00} On a total amount Borrowed of {$5000.00} As far as I am concerned ( and I believe there is a law stating this ) the payment of {$4900.00}, was credited to the account on XX/XX/XXXX and was accepted as a " Paid In Full amount '' as indicated on the stub and Check that was accepted and deposited.
This account needs to be closed and settled as {$0.00} Balance One Main is a bad loan company that takes advantage of people that are in need at the time and do not have established credit
Company Response: Closed with monetary relief
2019-02-08
Aloma, 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
Company Response: Closed with explanation
2019-02-07
Fithian, IL
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Installment loan
Complaint: I was able to receive a loan from One Main Financial. The loan was for {$6000.00} for an interest rate of 35.99 %. They tacked on the interest rate and the loan was over {$11000.00}. I asked the agent why the rate was so high. She said it is a yearly rate. I then asked if I paid triple the amount owed would the interest still be that high. She replied no. Well that is a lie bc I did not realize it was a rule of XXXX loan, which is a total rip off. Companies should not be able to do this to borrowers. Its an awful loan and no one should sign off on this. I would have never done so had I fully digested what it was I was indeed signing off on.
Company Response: Closed with explanation
2019-02-06
TN
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Complaint: I received a letter in the mail from One Main Financial with a request to refinance my account and funds were available after refinancing. However, they added more money to my account and fraudelent placed on my account 2 different amounts of refunds totaling {$3600.00} and {$110.00}. After One Main fraudelent placed those amounts on my account. My account increased to {$18000.00}. i had paid off {$2800.00}, a total of one years worth of payments.. The company sent an ACH to my account a total of {$2900.00}, after I left there ofn XX/XX/2018. I spoke with the manager and XXXX XXXX and asked him to fix this account because it is incorrect and he says it was not. I did not receive these monies in my account or under no circumstances. I can not believe that he expect me to pay for monies that I have not received. This is outright fraud. I do not know if he or his employees received thi money and is trying to make me pay for it. I have all the documentation to confirm what I received and was distributed to me. He also placed the amount of finance charges back on my account to bring it to a total of {$18000.00}. Please advise. I appreciate your time and concern with this matter. It is fraudelent and unwarranted, incorrect and creating a hardship.
Company Response: Closed with explanation
2019-02-06
Garrison, MD
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
Company Response: Closed with non-monetary relief
2019-02-06
Greenbelt, MD
Problem with a credit reporting company's investigation into an existing problem
Credit card or prepaid card: General-purpose credit card or charge card
Their investigation did not fix an error on your report
Company Response: Closed with non-monetary relief