ONEMAIN FINANCIAL HOLDINGS, LLC

2019-01-16

Baltimore, MD

Problem with the payoff process at the end of the loan

Payday loan, title loan, or personal loan: Personal line of credit

Company Response: Closed with explanation

Timely Response

2019-01-16

Augusta, GA

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 and One Main has a hard inquiry on my credit report and I have nothing at all to do with either company. No credit card, no loan, never had any business with either company. Where did this come from and why is it on my credit report?? I want it removed from my credit and an answer of how it got on my report!
Company Response: Closed with explanation

Timely Response

2019-01-15

Newark, NJ

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: Creditor is reporting accounts that are invalid and unverified. XXXX, XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Company Response: Closed with explanation

Timely Response

2019-01-15

Beyersville, TX

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Installment loan

Complaint: A few years ago I applied for and received a loan from Springleaf Financial, which was eventually acquired by OneMain Financial. Initially, monthly payments were being applied toward the principle and the loan amount decreased. Once OneMain assumed ownership, communication processes devolved and loan interest began to accrue. A little over a year ago, my payoff balance for the loan was {$4800.00}. I became ill and was forced to leave my job and spend most of my savings on medical bills. I maintained contact with the loan agency and set up what they referred to as a " mod '' or modification agreement. I would pay {$90.00} a month for 6 months to " get back on track '' with payments and continue to pay down the loan once I started working again. Over the past few weeks, I have requested documents - including all payments made since the beginning of the loan, as well as the initial loan agreement from both Springleaf as well as OneMain - and have yet to receive any, although three staff members of OneMain have promised to send them. I called today - XX/XX/XXXX - to see what the payoff amount would be, and was told it would be over {$5200.00}. After taking a closer look at XX/XX/XXXX statements, it appears " mod '' agreement payments were over 90 % interest, with just over {$3.00} going towards the principle. This may be legal under state guidelines, but it is not right. I was never informed that modification payments would only net {$3.00} towards the principle, while the remainder of the loan accrued interest. I have now paid more than {$2000.00} to OneMain, with zero reduction in overall balance. I have sought out legal advice and hired and attorney, and I request the CFPB investigate OneMain for fraudulent and misleading practices.
Company Response: Closed with non-monetary relief

Timely Response

2019-01-15

AR

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Received unsolicited financial product or insurance offers after opting out
Complaint: ONE MAIN KEEPS PULLING PROMO INQUIRIES FROM XXXX AND XXXX AFTER OPT-ED OUT FROM ALL STATE AND FEDERAL AGENCIES, ESPECIALLY XXXX AND XXXX. 11 IN 3 YEARS AND SENT FALSE ADS.
Company Response: Closed with explanation

Timely Response

2019-01-15

AR

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Received unsolicited financial product or insurance offers after opting out
Complaint: ONE MAIN KEEPS PULLING PROMO INQUIRIES FROM XXXX AND XXXX AFTER BEING OPT-ED OUT FROM ALL STATE AND FEDERAL AGENCIES, ESPECIALLY, XXXX AND XXXX.
Company Response: Closed with explanation

Timely Response

2019-01-14

Poplar, CA

Problem with the payoff process at the end of the loan

Payday loan, title loan, or personal loan: Installment loan

Company Response: Closed with explanation

Timely Response

2019-01-13

Fort Pierce, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: Years ago I detected companies I paid to XXXX were reporting my accounts as closed except for 3 out of many, why, I was told by some that's because I renewed my loan. I responded, l have a balance whether renewed and the old account information should not be serviced as a different account, it should never have been reported to the credit bureau I was ignored! After several years companies are reporting updates of closed accounts year after year after year! Which allows them to stay on my report forever instead of being deleted! They are using my credit report to input information without authorization for defamation purposes. I have open accounts being reported and the same account is being reported as closed. In some cases, the company changed their names and are reporting closed in 3 different company names and opened at the same time.
Company Response: Closed with explanation

Timely Response

2019-01-12

Centerton, OH

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Complaint: I have contacted this company One Main Financial I received a notice back. That it has to be cause of my personal information. This can be fraud I have received several emails from this place. I even locked my credit report if this is not removed I will contact attorney about this situation. I will not be taken advantage of this need to be removed
Company Response: Closed with explanation

Timely Response

2019-01-11

Centerton, OH

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

Timely Response

2019-01-11

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

Timely Response

2019-01-10

Southern Pnes, NC

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: One Main from XXXX, Indiana is listed on my credit reports and I have never done business or obtained a loan from a company named One Main. Please delete from my credit report. I have asked them for proof of debt multiple times and have not received it.
Company Response: Closed with explanation

Timely Response

2019-01-10

Newark, NJ

Getting the loan

Payday loan, title loan, or personal loan: Installment loan

Company Response: Closed with non-monetary relief

Timely Response

2019-01-10

Reno, NV

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Complaint: On XX/XX/2019, One Main Financial illegally obtained my credit file. I called One Main to explain I did not authorize them to pull my credit. One Main told me to dispute it with XXXX. I explained that XXXX would require a letter from them to remove it, yet One Main refused to remove the inquiry. Today, XX/XX/2019, I contacted XXXX, per One Main 's suggestion. Just as I told One Main, XXXX requires a letter from One Main. I did not authorize this inquiry into my credit file, and neither XXXX, nor One Main will remove it. This is ONE MAIN 'S obligation and duty to request removal through the credit bureau ... NOT MINE. They illegally obtained my credit file.
Company Response: Closed with explanation

Timely Response

2019-01-08

Kent, WA

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

Timely Response

2019-01-07

Itasca, IL

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Installment loan

Complaint: My Husband XXXX XXXX took out a loan with Springleaf Financial now know as One Main Financial. This was an installment loan with using a 55 inch XXXX tv as collateral. They asked him if he owned his car/suv he told them NO I do not that is in my wife 's name. I XXXX XXXX, noticed in XXXX on our car insurance, bill with XXXX XXXX XXXX XXXX XXXX, that Springleaf what showing on as lien holder on my XXXX XXXX XXXX. I called Springleaf office several time and they refused to talk to me. XXXX XXXX gave them permission over the phone one occasion and then handed the phone over. I told them you need to remove yourself from my car as lien holder as the in NOT in XXXX 's name it's in mine and I have the titled. They said they had no knowledge of this. I elevated this to corporate and NOTHING was done so finally I told XXXX to Stop paying on this loan it is NOW paid off and I am going back after them for damages as they can not lien property they never had the titled or authority to do so. That is Fraud, I XXXX XXXX did NOT give authorization nor did I sign the title of my vehicle over to XXXX for this installment loan. I need to make this clear that XXXX XXXX is who the loan was for I am his wife XXXX XXXX, but I am NOT on the note of this loan. This was something my husband took out in his name only. I called my insurance Agent XXXX XXXX and he was able to find out that this request as lien holder came in through corporate by way of Springleaf and NOT to his office, which he pointed out is not the normal process, usually he would get the phone call and information from the consumer and he would reach out to the lien holder to verify. Since this went directly to XXXX XXXX XXXX XXXX XXXX corporate he was unaware until I contacted him direct, after years of failed attempts with Springleaf Financial now know as One Main Financial. I have attached all the proof of this.
Company Response: Closed with explanation

Timely Response

2019-01-04

Parkersburg, WV

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

Timely Response

2019-01-03

Occoquan, VA

Problem when making payments

Payday loan, title loan, or personal loan: Installment loan

Complaint: In XX/XX/XXXX, I obtained a loan from OneMain Financial. I made biweekly payments in the amount of {$92.00} for an entire year. In XX/XX/XXXX, I signed up with a debt consolidation company which then reduced my payments to OneMain to $ XXXX monthly, in which OneMain agreed with. In XX/XX/XXXX, I notified OneMain that I had satisfied my debt consolidation and would like to begin making payments on my own ( instead of giving money to the debt consolidation to pay my creditors ). I established biweekly payments with OneMain in the amount of {$76.00} for a total of {$150.00} a month. At this time my balance was {$4700.00} after 3 months of making payments, I noticed that my balance did not budge. I emailed and called OneMain about this and they claimed that they would update my balance. XXXX I sent OneMain a certified letter requesting that they provide me with the correct balance owed or I will stop making payments. They never responded to my letter and did not update my correct balance owed and have now filed a Warrant in debt judgement against me. I plan to fight this judgement as they are claiming an incorrect balance owed. I have read plenty of other complaints against OneMain of the same tactics.
Company Response: Closed with explanation

Timely Response

2019-01-03

Dallas, GA

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

Timely Response

2019-01-03

Wesley Chapel, FL

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-01-02

Henrico, VA

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Company Response: Closed with explanation

Timely Response

2018-12-31

Hon, HI

Communication tactics

Debt collection: Auto debt

Frequent or repeated calls
Complaint: While on vacation out of the country, the local branch of One Main financial attempted to contact my phone repeatedly every 10 mins. Then contacted my mother in Oklahoma. This is harassment and unacceptable.
Company Response: Closed with non-monetary relief

Timely Response

2018-12-28

Hainesville, IL

Getting the loan

Payday loan, title loan, or personal loan: Installment loan

Company Response: Closed with explanation

Timely Response

2018-12-27

Santa Ysabel, CA

Problem with the payoff process at the end of the loan

Payday loan, title loan, or personal loan: Title loan

Complaint: The vehicle was sold/traded in to XXXX XXXX XXXX in XXXX, CA on XX/XX/XXXX. One Main is reporting a 30 day late for XXXX 2018. I have called XXXX and One Main requesting this to be modified and corrected - we were not in possession of the vehicle and under the understanding that XXXX was going to pay the vehicle off. We were never notified that it was not paid and past due again.
Company Response: Closed with explanation

Timely Response

2018-12-26

Wattenburg, CO

Problem with the payoff process at the end of the loan

Payday loan, title loan, or personal loan: Personal line of credit

Complaint: Im submitting this on behalf of my claim of financial deceptive of myself and my XXXXyo elderly mom. My mom, Mrs XXXX, XXXX Illinois took $ XXXX loan 2 years ago at OneMainFinancial, XXXX XXXX, XXXX, IL It was rewrotten twice, {$1500.00} and {$2500.00} for a total of $ XXXX to pay property taxes and a few home repairs. She understood these amounts would be added on she is on SSN, $ XXXX month fixed income. What appears to have happened is each time the loan was rewritten interest was added as principal thus paying 24.99 % interest on interest x3. I understand her wanting to maintain her independence but now with the payments so high she cant afford to live in the very house she told loans out to pay taxes on. Shes kept tract and paid back almost {$6.00} with a bill that says remaining balance {$12000.00} AND interest continues to accumulate. She did not understand adding on included unpaid high interest, she would not have agreed to that had she understood what the total payback payments would be. How is this not unfair deceptive unethical elder abuse/extortion? She is the involved party but I am filing the complaint that she was taken advantage of and a victim
Company Response: Closed with explanation

Timely Response