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 20
2018-12-07
Itasca, IL
Trouble during payment process
Mortgage: Other type of mortgage
Complaint: On XX/XX/XXXX, we send a letter to OneMain Financial Group in regards to a letter they sent us dated XX/XX/XXXX that our mortgage in the amount of {$4200.00} was transferred to them on XX/XX/XXXX. We attempted to call them seeking what is this. We were asked to provide personal information. We were leery of this so we generated and mailed out a letter seeking documentation of this mortgage debt. Nothing was provided. We received another letter from them stating the same amount but a different transfer date. It went from XX/XX/XXXX to XX/XX/XXXX. This must be a scam since we do not have a mortgage in the amount of {$4200.00} that was originated on XX/XX/XXXX. The co-borrower, XXXX XXXX, is my husband and we married on XX/XX/XXXX. Any debt occurred after this date would have been in my married name as XXXX XXXX XXXX versus XXXX XXXX. Also, for all financial transactions, we both utilize of middle initial. OneMain Financial has not provided us with any documentation or who the previous lender/servicer was.
Company Response: Closed with explanation
2018-12-06
Bedford, TX
Communication tactics
Debt collection: Payday loan debt
Frequent or repeated calls
Complaint: I have a loan with One Main Financial. I had a payment that became due near the end of XX/XX/XXXX, which Im not disputing. What has become stressful is the repeated number of calls I get per day on a debt that is not even 15 days past due. Im not sure if they are considered a debt collector as defined by the FDCPA, but most companies follow the spirit of the FDCPA even if they arent considered true debt collectors. Over the past 3 days ( XX/XX/18 - XX/XX/18 ), Ive received no fewer than 15 phone calls from this institution and at least 4 different voice mails. And although I cant be 100 % sure, Im fairly certain that they are calling me from numbers not associated with the organization, like a personal cell phone or similar.
I understand that credit institutions have an obligation and a right to contact borrowers when a debt is owed, however the call tactics from One Main is nothing short of harrassment. So much so that I have been researching possible legal options, including class action alternatives. And thats typically not my style.
Im not asking for anything except some reasonableness when it comes to their call campaigns.
Company Response: Closed with non-monetary relief
2018-12-06
Bache, OK
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
2018-12-06
Inglewood, 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: 4. ONEMAIN - XX/XX/XXXX - UNATHORIZED INQUIRY 5. XXXX XXXX - XX/XX/XXXX - UNATHORIZED INQUIRY 6. XXXX XXXX - XX/XX/XXXX -, UNATHORIZED INQUIRY
Company Response: Closed with explanation
2018-12-06
LA
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 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.
ONEMAIN Account Number : XXXX Account Type : Installment Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/2014 Balance : {$0.00} Terms : High Balance : {$5000.00} Limit : Past Due : Payment Status : Bad debt & placed for collection & skip Comments : ACCOUNT TRANSFERRED OR SOLD CHARGED OFF ACCOUNT
Company Response: Closed with explanation
2018-12-05
Key Biscayne, FL
Threatened to contact someone or share information improperly
Debt collection: Other debt
Talked to a third-party about your debt
Complaint: I have been a customer of ONE MAIN FINANCIAL for almost 10 years. I have never missed a payment. I missed one payment on XX/XX/2018 due to a medical emergency. I spoke with the company twice to let them know I could not make the payment until the following week. Since that time, this local branch in XXXX, florida has called my phone 15 times a day harassing me. I called them again to tell them to stop calling and informed them I would make the payment this week. Today I received notification from my mother that they called her 2,000 miles away! They divulged private, protected information about my loan to her and asked her for payment!! When I called the companies local branch to complain, XXXX XXXX was extremely disrespectful. He proceeded to yell at me and made me feel as if I were a criminal. When I spoke to his manger XXXX XXXX, she proceeded to speak to me a " disgusted '' tone while taking my payment. When I complained that her staff violated the law she was unapologetic and told me to call the district manger. When I called the district manager his response was, " I am very busy but I will look into it next week when I pass by that branch. '' Completely unacceptable.
Company Response: Closed with monetary relief
2018-12-05
Austin, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Closed with explanation
2018-12-05
Almonesson, NJ
Getting a line of credit
Payday loan, title loan, or personal loan: Personal line of credit
Company Response: Closed with explanation
2018-12-05
NE
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Installment loan
Complaint: I have had over 300 harassing phone calls at work and at home for a loan I have never been late or missed a payment on. I have repeatedly asked them to cease and desist from the harassment to no avail. This company practices predatory lending practices, sells private information and uses high pressure harassment to intimidate.
Company Response: Closed with explanation
2018-12-03
Vab, VA
Threatened to contact someone or share information improperly
Debt collection: Other debt
Talked to a third-party about your debt
Company Response: Closed with explanation
2018-12-02
HI
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: OneMain Financial sent me a preapproved letter for a loan. When I went to the website for the loan, it says that I wasnt approved at all for the amount listed in the letter. The letter stated that I was preapproved for a loan for {$5000.00} unsecured. When I went to their website and inputted their preapproval code for the {$5000.00}, it asks me to click on the box for credit report. I did not know that this would end up lowering my credit score. After clicking the box and pressing enter, it says that Im only preapproved up to {$2000.00} secured. This is a deliberate bait and switch tactic so that I would end up having a hard inquiry on my credit report with a misleading letter. I wrote to the OneMain Financial with a response dated XX/XX/18. They will not delete the hard inquiry since I clicked the box on the website. I felt I was misled into thinking that I would have an unsecured loan for {$5000.00} but ended up being approved for {$2000.00} secured. I called the manager here in our local office about the loan itself. She asked me about my car and how much it was worth and I decided that I didn't want it. She still told me that the inquiry will be stuck on my credit report.
Company Response: Closed with explanation
2018-12-01
Ridley Park, PA
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 non-monetary relief
2018-12-01
Mesquite, TX
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Title loan
Company Response: Closed with explanation
2018-11-30
Foy, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Closed with explanation
2018-11-30
Foy, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Closed with explanation
2018-11-30
Grangeville, LA
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 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.
ONEMAIN Account Number : XXXX Account Type : Installment Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/2015 Balance : {$4800.00} Terms : High Balance : {$4800.00} Limit : Past Due : {$4800.00} Payment Status : Bad debt & placed for collection & skip Comments : CHARGED OFF ACCOUNT
Company Response: Closed with explanation
2018-11-30
Deltona, 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
2018-11-29
Fred, VA
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
2018-11-29
Washington, DC
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Reporting company used your report improperly
Complaint: There was inquires from Onemain on XX/XX/2018 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help
Company Response: Closed with explanation
2018-11-28
Cartersville, SC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I borrowed a *single* loan with One Main Financial for {$4900.00} that originated on XX/XX/XXXX after interest charges were added the payoff amount would then become {$7.00}, XXXX for a *single total payoff, in which I agreed to pay. I paid the loan off in full in XX/XX/XXXX. Upon paying it off One Main Financial gave me a receipt stamped *paid as agreed*. Shortly there after I needed to have my credit pulled to rent a home and what I found on my credit report was One main financial the loan originator took what should have appeared on my credit report as a *Single* account and they reported it as *2* accounts with *2* different account numbers showing one with the amount I borrowed {$4900.00} as *paid/XXXX* balance and the borrowed amount along with its finance charges which made the loan a total of {$7.00}, XXXX yet this was reported as a second account with the payment status reported as *paid, was a chargeoff*. I went to the local branch office I took the loan out in and asked why had they reported my single loan as two loans as well as why the payment status was reported it differently. I explained how it was effecting my credit score and the One Main Financial representative just said " We only have one closed account in our system for you and they didn't know why it was reported that way. '' My first thought was that someone in there office took an additional loan out in my name but after I had located the payoff paperwork I realized what they had done. I went back to there office but again they wouldn't help me. I tried disbuting it with the credit bureau but found no resolve there either. So I contacted One Main Finacial head quaters to express my grievances and frustration with the falsely reporting that was done and I was met via phone with a rude and disrespectful agent. Who basically told me so what I can't do anything about it. Then she told me to send here proof of the inaccurate reporting on my credit profile and they would correct it if they made that mistake but she was sure they hadn't. So I sent a copy to them and well needless to say its almost XXXX and it still affects my credit raiting.
Company Response: Closed with explanation
2018-11-28
Forest Oaks, NC
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Installment loan
Company Response: Closed with explanation
2018-11-27
Hanceville, AL
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Report provided to employer without your written authorization
Company Response: Closed with explanation
2018-11-27
Atl, 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
2018-11-27
Hinkley, 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: XXXX has been non-compliant with removing the unverified account SPRINGLEAF which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SPRINGLEAF was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response: Closed with explanation
2018-11-24
Brentwood, TN
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: Since XX/XX/XXXX One Main has done 4 hard inquiries on my credit and I have never applied for a loan or done any business with them ( XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX )
Company Response: Closed with explanation