ONEMAIN FINANCIAL HOLDINGS, LLC

2018-12-26

Stewart, AL

Struggling to pay your loan

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

Company Response: Closed with non-monetary relief

Timely Response

2018-12-26

Greensboro, NC

Problem with the payoff process at the end of the loan

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

Complaint: Sometime in XX/XX/XXXX I began a Loan relationship with this Finance company called : One Main Finance Co. in XXXX, NC, and I did have a couple of successful small loans with them, and I paid them off in full, but at some point in XX/XX/XXXX I had decided to make a large amount purchase and therefore I needed at least {$5000.00} so I decided to go along with a secured loan project with One Main, which involved signing over my vehicle owners title, for my XXXX XXXX, XXXX as the security for the loan. I did receive the loan and committed to making my scheduled monthly all on time from that point up and through the better part of this year, XX/XX/XXXX, until I had a pretty bad automobile accident that totaled the XXXX, and the Insurance company for the responsible party paid for total value of the car directly to One Main, since they had a lien on the car anyway, which paid off most of the remaining balance owed from the title loan, but One Main refinanced my loan for which turned into a unsecure loan at that point. They continued to hold a lien on the car, as of today, but they had refuse to tow the disabled vehicle away from my parents property where it was sitting following the accident. Around this same time frame of the accident I also was in the middle of a bankruptcy proceeding which finally was concluded, in my favor, that also relieved me of any further payments owed to One Main. But afterwards, I was advised, following the overall exposure about my involvement with One Main and a title loan, in NC. The statement was made to me from a couple of un-official sources, that title loans were outlawed and illegal in the state of North Carolina!? And when I posed the burning question to One Main, and the ( XXXX ) XXXX XXXX XXXX of Indiana ( the source I had to file my complaint to because One Main is Head Quartered in Indiana ), I get no answer from One Main, or the XXXX, just the runaround it seems. And One Main with all their deceptive information and out right lies, misinformation, rude and unprofessional phone conversations and false documents, upon lies leaves me wondering still, is it illegal for One Main to practice, perform title loans in the state of North Carolina??? ( now this question is for XXXX?? ). If so, then I feel like with all I went through, and the entire financing episode with One Main, the high interest, etc .... they owe me some type of refund of my money, if not all of it!!?? Please advise!! Thank You, XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-12-25

Chicago, IL

Improper use of your report

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

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2018-12-22

Glen Easton, WV

Struggling to pay your loan

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

Company Response: Closed with explanation

Timely Response

2018-12-21

FL

Struggling to pay your loan

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

Complaint: I had XXXX XXXX in XXXX of this year, and went back to work on light duty in XXXX and being on XXXX the paycheck was decreased but the loan was covered until XXXX. Due to bills being behind and I have not being able to work extra due to light duty, and just discovered another health issues that has also being hinder me from working extra since I am back on full duty since XX/XX/XXXX. I have talked to them they could not do another loan because I did one already, due to health issues earlier. They called my job 3 times, They are calling on Sundays. They are calling 3 to four times a day. When I try to explain they are just telling me what I need to do, I have spoken with a miss XXXX and she has left messages on my jobs and I have asked them not to call my job, I have stopped answering my phone, because they are aggressive and I have a XXXX XXXX and I am not allowing them to upset me. I do realize I owe this loan, but if they would be patience I can resume making payment next year XX/XX/XXXX. some dates are XX/XX/XXXX @ XXXX & XXXX XXXX XXXX, XX/XX/XXXX @ XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX @ XXXX, XX/XX/XXXX XXXX XX/XX/XXXX @ XXXX, XXXX, XXXX @ XXXX this a just some of the times and you can clearly see XX/XX/XXXX and XXXX is the weekends
Company Response: Closed with non-monetary relief

Timely Response

2018-12-20

Vineland, CO

Improper use of your report

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

Reporting company used your report improperly
Complaint: I applied for a personal loan with One Main Financial in mid XX/XX/2018. Was told I was approved pending income verification. I submitted my pay stub and they are telling me they could not verify it and red flagged it as fraudulent which is completely wrong. They also said they could not verify the company I work when I work for a large Healthcare System. This is wrong. My income and employment were provided and they have denied me under false pretenses putting a hard inquiry on my credit under deceipt.
Company Response: Closed with explanation

Timely Response

2018-12-20

Houston, TX

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: On XX/XX/2018 I called OneMain Financial to learn about the types of loans they offered and I asked about their rates. After talking to the lady on the phone, I told her not to run my credit because I needed more time to think about it and because I didn't want an unnecessary hard inquiry on my credit if I didn't really need the loan. I told her not to run my credit and she did it anyways without my consent. She was trying to attach the loan to my vehicle and I told her I did not want to do that.
Company Response: Closed with explanation

Timely Response

2018-12-19

North Hills, NC

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Complaint: XXXX was informed on XX/XX/18 that I can not accept personal calls at my work place because my employer prohibits them. However, since then, I have received continuous calls at my work place from XXXX and various other XXXX employees ( audio recording available ). Furthermore, One Main Financial has my cell phone number. Thus, there is no reason for them to be contacting me at work.
Company Response: Closed with explanation

Timely Response

2018-12-19

New Britain, CT

False statements or representation

Debt collection: Auto debt

Attempted to collect wrong amount
Complaint: I filed a bankruptcy and One Main Financial offered a re-affirmation on the debt, lowering the amount and interest rate, this enabled me to request and attain a Bankruptcy dismissal this past month. The re-affirmation new payment was to start today XX/XX/18 and when I called to make the first of 48 payments for the car loan, they then told me this was no longer a valid offer because I dismissed the Bankruptcy, I said as you know I dismissed it because you gave me an affordable re-affirmation as we discussed. They ignored me and their earlier assertions. The loan was XXXX dropped to XXXX, the interest rate from 19 % to 6 % I feel this is bad faith lending practices by One Main Financial.
Company Response: Closed with non-monetary relief

Timely Response

2018-12-18

Tanner, AL

Charged fees or interest you didn't expect

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

Company Response: Closed with explanation

Timely Response

2018-12-17

Tibbs, MS

Problem when making payments

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

Company Response: Closed with explanation

Timely Response

2018-12-16

Lutheran Lake, IN

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2018-12-15

MS

Communication tactics

Debt collection: Auto debt

Frequent or repeated calls
Complaint: Company contacted me XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. Each time I told them that I wont have the money to pay my account until the end of the month when I get paid. I asked them each time not to contact me on my cell phone. They have ignored my request. on XX/XX/XXXX they called me and told me they have every right to call me and I told them not if I repeatedly told you not to. I tried contacting the manager on XX/XX/XXXX stayed on hold for 10 minutes, he never answered my call.
Company Response: Closed with non-monetary relief

Timely Response

2018-12-15

Farmingtn Hls, MI

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2018-12-14

Lexington, NC

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: Received a Letter in the mail yesterday from OneMain FInancial offering a loan up to {$10000.00} the issue is that there is NO APR DISCLOSURE on any of the 2 pages. This is very misleading and I want to make sure that the elderly do not fall for this. Maybe I am not sending this to the right channel but please this type of marketing should not be alllow. Sincerely, XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-12-12

Itasca, IL

Getting a line of credit

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

Complaint: I applied for a personal loan online and was approved for XXXX $ Unsecured and XXXX secured after submitting documentation I was told that I was approved for XXXX unsecured and XXXX secured. On XX/XX/XXXX I went into the office to get the loan and was told all I would need is my ID and voided check after I got there a lady came into the room and was trying to pressure me to get the secured loan I advised her that I did not want it and explained I would do the unsecured loan she then made me go to the bank to get my bank statement so she could come firm that I had direct deposit which my paystubs showed. When I came back the door was locked and she explained it was broke and that I could slide my bank statement through the door and the next day for the inconvenience I would be able to esign my loan. Well the next day I called and the lady said my loan was denied so to income, but when I was there she said she sent the loan to the under writer who declined the XXXX unsecured but approved XXXX unsecured. I called there headquarters office because I was confused but got the run around I met all the qualifications was told I was approved but when I got there and didnt want the secured then I was denied.
Company Response: Closed with explanation

Timely Response

2018-12-12

Chicago, IL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-12-11

Philadelphia, PA

Trouble during payment process

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: The homeowner is a XXXX year old senior citizen who has a loan with One Main. The homeowner has been paying her mortgage on time since XX/XX/2000 which should have been paid off. The homeowner still have a balance of approximately {$4500.00}. XXXX contacted Lender for update status. This is a revolving line of credit. I have enclosed her payment history. She is not willing to pay anymore towards this mortgage until she receives some answers to where her mortgage payment is being applied and believes that she should receive a refund for over payments. She is asking that you please assist with this mortgage and provide an update.
Company Response: Closed with monetary relief

Timely Response

2018-12-11

Oxford, GA

Problem when making payments

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

Complaint: I have a loan with ONEMAIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and ONEMAIN with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Company Response: Closed with explanation

Timely Response

2018-12-11

Gibsonia, PA

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 explanation

Timely Response

2018-12-11

Foothill Ranch, CA

Charged fees or interest you didn't expect

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

Complaint: I opened a loan with Springleaf financial in XXXX at the XXXX XXXX Branch on XXXX XXXX califonia the payments were XXXX for four years the loan was to mature on XX/XX/XXXX I made several late pmnts however their was period of time where payments got lost especially in XXXX when Springleaf sold to one main financial I had a gentleman XXXX XXXX re amortize and fix my loan and they said my loan would be paid in full XX/XX/XXXX as per the agreement In XX/XX/XXXX they told me the loan matured but I still owed XXXX because of all the payments going to interest I have tried to resolve and no luck They then forced me into my first 30 day delinquency in over a year by demanding I set up post dated checks when the date came and I needed to change the date by one day they wouldn't let me and instead forced me into a bounced check and fees and now they dinged my credit report I dint think I will ever get this loan paid off I have aid them XXXX as of date
Company Response: Closed with non-monetary relief

Timely Response

2018-12-10

Mc Kinney, TX

Getting the loan

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

Company Response: Closed with explanation

Timely Response

2018-12-10

Cadwell, GA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-12-09

Phila, PA

Improper use of your report

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

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2018-12-09

Harsens Is, MI

Problem with a credit reporting company's investigation into an existing problem

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

Investigation took more than 30 days
Complaint: I disputed the information that OneMain reported on my credit report. I sent a certified letter that they signed for on XX/XX/2018 requesting validation of the debt. After 30 days, I didn't receive a response. So, I sent a follow up certified letter on XX/XX/XXXX, signed for by them on XX/XX/2018. I still have not received a response from them but they updated my credit report. They changed my payment history and added in the remarks section " consumer disputes ''. They missed the 30 day timer allotted to them per the FCRA & FDCPA. They had 30 days to respond and it wasn't until after I sent a follow up letter that they made any adjustments to my credit report and they never sent me any communications. They have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Company Response: Closed with explanation

Timely Response