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 21
2018-11-24
Scottsdale, AZ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: Im a victim of identity theft. Someone stole my identity and applied and opened a personal loan account with One Main Financial on XXXX.The personal loan account is fraudulent, unauthorized and not mine. I have mailed and sent numerous letters of disputes to One Main Financial for the last 7 months in regards to the fraudulent account, and I havent not heard back or received any correspondence from One Main Financial for 7 months. I been receiving harassing and threatening phone calls of profane language, verbal abuse, threats of legal action, wage garnishment, arrest, jail and prison for over 7 months at home and work at XXXX XXXX and after XXXX XXXX from One Main Financial debt collection call center representatives, for an account thats fraudulent, not mine, and a debt, i dont owe. One Main Financial is in violation of The Fair Debt Collection Practices Act ( FDCPA ). My social security number listed on the fraudulent account is : XXXX, Date of Birth is : XX/XX/XXXX
Company Response: Closed with explanation
2018-11-20
Louisville, KY
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
2018-11-20
Little Canada, MN
Communication tactics
Debt collection: Other debt
Frequent or repeated calls
Company Response: Closed with explanation
2018-11-20
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 have been contacting OneMain Financial, who appear on my credit file as OneMain numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX, XX/XX/XXXX. Neither of these did i authorize or give permission. they are a result of fraud.
Company Response: Closed with explanation
2018-11-20
Belle Haven, VA
Problem when making payments
Payday loan, title loan, or personal loan: Installment loan
Company Response: Closed with explanation
2018-11-20
WA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Account number is : XXXX Account Name : XXXX XXXX XXXX Amount XXXX Paid in full XX/XX/2018 Company reporting it : One Main XX/XX/XXXXXXXX XXXX IN XXXX They did not properly notify me of the collection and promised that they are unwilling to delete it.
Thank you XXXX XXXX XXXX
Company Response: Closed with non-monetary relief
2018-11-19
Philadelphia, PA
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've recently checked my credit report and seen that I had four separate hard inquiries from the same creditor for a personal loan. I have sent a removal dispute letter to the creditor and have not received a response or any result on my credit report.
ONEMAIN - XX/XX/XXXX ONEMAIN - XX/XX/XXXX ONEMAIN - XX/XX/XXXX ONEMAIN - XX/XX/XXXX
Company Response: Closed with explanation
2018-11-18
Oxford, 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
Complaint: I have unauthorized credit reports from this company on my credit report.
Company Response: Closed with explanation
2018-11-16
Sebring, 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: In the past couple months this company allowed someone to use my credit report unauthorized. I received a alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They can't provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the Law and putting a hardship on me and my family with these negativity.
Company Response: Closed with explanation
2018-11-16
Henrico, VA
Problem when making payments
Payday loan, title loan, or personal loan: Personal line of credit
Company Response: Closed with explanation
2018-11-16
Everett, WA
Struggling to pay your loan
Payday loan, title loan, or personal loan: Installment loan
Complaint: My complaint is with One Main Financial. Since XX/XX/XXXX18 I have received 57 phone calls from One Main Financial. This is ridiculous. I am tired of it. Also 2 months ago I set up a payment plan with them. And they said that they would defer my payment and allow me to change my due date. Come to find out they never allowed that to happen. They lied to me.
Company Response: Closed with explanation
2018-11-16
Ladies Island, SC
Took or threatened to take negative or legal action
Debt collection: Mortgage debt
Seized or attempted to seize your property
Company Response: Closed with explanation
2018-11-15
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
Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: Everything on my credit report has been not only sold to collections therefore I'm no longer responsible for it once they were sold, but it all excceeds the 7yr limit by law n should not be still showing on my credit report ...
Company Response: Closed with explanation
2018-11-14
Indianapolis, IN
False statements or representation
Debt collection: I do not know
Attempted to collect wrong amount
Complaint: I have never went to this company onemain on XX/XX/XXXX or XX/XX/XXXX or i never gave no one permission to use my name .. I never had an account wit this company so stop charging me an take off my credit please it was someone else ... I should have to pay for something ive never done or asked for
Company Response: Closed with explanation
2018-11-10
Kailua Kona, 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
Company Response: Closed with explanation
2018-11-09
Euclid, OH
Problem with additional add-on products or services
Payday loan, title loan, or personal loan: Personal line of credit
Company Response: Closed with explanation
2018-11-09
Mill Creek, IN
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Money was taken from your account on the wrong day or for the wrong amount
Complaint: On XX/XX/2018 Onemain Financial took funds from my account for a car payment in the amount of {$200.00}, even though they'd received the payout on the loan. They've since given me the runaround saying the funds were returned, which they weren't, that they'd XXXX me a check on XX/XX/XXXX, which they hadn't, and then that they had to " hold '' my money for 15 days. This is the XXXX Indiana branch of Onemain Financial.As of this date XX/XX/2018 the management is STILL giving me the runaround! This withdrawal put my account in the negative and they still refuse to reimburse my money. They even tried to make this MY fault because I failed to tell them to no longer take funds from my account.I explained that I'm unable to be home to receive a fedex package due to travel for work, yet they insist that it's the only way for them to reimburse my funds.Taking money under false pretenses is A CRIME!
Company Response: Closed with explanation
2018-11-09
WV
False statements or representation
Debt collection: Auto debt
Attempted to collect wrong amount
Complaint: I contacted my local office asking for a print out of the payments that I have made. The officer I could hear printed it and said it would be mailed within a few minutes he called back and gave me a XXXX number to call. When I called that number the person I talked to threatened me that I would never get that information and gave an amount that I owed him that he could not explain how he said I owed. Threatened me that he had my drivers license number and read it off to me. Told me good luck he would see me in court and hung the phone up. This happened on the afternoon of XX/XX/2018. I still do not have a resolution.
Company Response: Closed with explanation
2018-11-08
St Mountain, GA
Problem with the payoff process at the end of the loan
Payday loan, title loan, or personal loan: Personal line of credit
Complaint: *******PREDATORY LOAN ********* *******PREDATORY LOAN ********* *******STAY AWAY ********* I opened a loan with this company back in XXXX. For approx. {$5900.00}. I refinance in XXXX and received an additional {$1000.00}. This brings the total borrowed amount to approx. {$7000.00}. Ive been paying on this same loan for 5.5 + years every month for {$250.00} and was never late. That a total REPAYMENT amount I have made up to now is approx. {$14000.00}. I recently lost my job and the company is now harassing me saying that I still owe approx. {$3900.00}. The company has posted the late payment information on my credit report which has lowered my credit score. This has hurt me really bad. How is it possible to borrow {$7000.00} REPAY a total of {$14000.00} and still owe almost {$4000.00}??? This is unreal and probably illegal on the part of this company!!! Stay away form this company. I feel like if I have not been late and have repaid a total amount of around 200 % from the original amount borrowed I SHOULD NOT OWE money. My balance should XXXX!! Looking over my documents the APR is 36.00 %. doing the math on this at the very best I should only owe approx. {$1000.00} to have the total 60 months agreement payment fulfilled. PLEASE HELP ME!
Company Response: Closed with explanation
2018-11-08
San Jacinto, CA
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Installment loan
Complaint: Im XXXX veteran, on XX/XX/XXXX I had personal loan with 36 % interest rates, l lost my job on XX/XX/XXXX. On XX/XX/XXXX one main financial modified the loan with 6.99 % adding the deferred interest {$920.00} to principal {$7200.00}, total of {$8100.00} payment of {$130.00} for 60 months, since XX/XX/XXXX, I paying the loan, after paying my payment on XX/XX/XXXX, after calling on XX/XX/XXXX and paying off the loan {$190.00} but on XXXX XXXX I was told there is deferred interest that I need to pay after XX/XX/XXXX that caused by {$30.00} not added to loan modification on XX/XX/XXXX, according to XXXX one main financial ( XXXX ) XXXX that we signed the loan on XX/XX/XXXX the total loan was {$8100.00} and why modified the loan and leave {$30.00} deferred interest.
Payments : Since XX/XX/XXXX, {$130.00}, XX/XX/XXXX {$130.00}, XX/XX/XXXX {$130.00}, XX/XX/XXXX {$130.00}, XX/XX/XXXX {$130.00} ... ... XXXX {$130.00} and last payment on XX/XX/XXXX {$190.00}, total of {$9000.00}. that exceeded {$8100.00}. The loan should by paid off by XX/XX/XXXX.
Company Response: Closed with non-monetary relief
2018-11-06
Lakewood, CA
Getting a line of credit
Payday loan, title loan, or personal loan: Personal line of credit
Company Response: Closed with explanation
2018-11-05
Watkins, CO
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 or about the XX/XX/2018, I XXXX XXXX noticed a OneMain inquiry on my XXXX consumer credit report dated XX/XX/2018. I am dealing with my identity being stolen and have a fraud alert posted on my XXXX consumer credit report. I contacted OneMain by phone on the XX/XX/2018, and was informed by the Representative, " who would not tell me their name '', that it would be deleted from the XXXX consumer credit report in 30 days. On or about the XX/XX/2018, I XXXX XXXX noticed the OneMain inquiry on my XXXX consumer credit report, # XXXX dated XX/XX/2018 still appearing. I mailed a second notice " validation letter '' in regards to this inquiries and explained that this was conducted without my consent or permission and is a violation of the FCRA, " Fair Credit Reporting Act ''. This action is causing the consumer injury, without proof of my consent or a certified copy of the contract.
Company Response: Closed with explanation
2018-11-05
Auburn, WA
Struggling to pay your loan
Vehicle loan or lease: Loan
Lender trying to repossess or disable the vehicle
Company Response: Closed with explanation
2018-11-02
MS
Communication tactics
Debt collection: Other debt
Frequent or repeated calls
Complaint: I HAD A PAYMENT DUE ON MY ACCOUNT WITH ONE MAIN FINANCIAL IN XXXX, MISSISSIPPI. I CALLED TO LET THEM KNOW THAT I HAD NOT RECEIVED MY CHECK IN MY DIRECT DEPOSIT AND THAT I WAS BEING MAILED A PAPER CHECK ON FRIDAY XX/XX/2018. THE COMPANY SAID THEY WOULD NOTE IT AND SEE ME FRIDAY. SO TODAY THEY CALLED ME 3 TIMES WITH IN ONE HOUR 1ST CALL WAS AT XXXX THEN I RECEIVED A TEXT MESSAGE FROM AND EMPLOYEE IN THE COMPANY THAT I KNOW THAT STATED HEY DEAR YOU PAYING TODAY THERE FIXING TO CALL AND BLOW UP YOUR PHONE. I RESPONDED TO SAY THAT I WAS WAITING ON MY CHECK TO GET HERE BUT I WOULD BE THERE BEFORE THE END OF THE DAY AS I HAD SCHEDULED. THEN I RECEIVED ANOTHER CALL FROM THEM AT XXXX. I THEN CALLED THE COMPANY AT XXXX XXXX AND ASKED TO SPEAK TO THE MANAGER. I ASKED HIM WHY I WAS GETTING REPEATED PHONE CALLS FROM HIS COMPANY AFTER I HAD ALREADY TOLD THEM I WOULD BE IN TODAY? HE RESPONDED AND SAID THAT THEY WERE JUST FOLLOWING UP. I SAID YOU FOLLOWING UP 3 TIMES WITH IN AN HOUR AFTER I TOLD YOU THAT I WOULD BE IN ON FRIDAY. HE SAID THAT WE WOULDNT HAVE THIS PROBLEM IF I WOULD JUST MAKE MY PAYMENTS ON TIME. I ASKED WHEN MY PAYMENT WAS DUE HE SAID ON THE XX/XX/XXXX I THEN RESPONDED AND SAID THAT MY ACCOUNT WAS NOT EVEN 30 DAYS PAST DUE AND THAT I HAD ALREADY TOLD THEM I WOULD BE IN FRIDAY XX/XX/XXXX WITH MY PAYMENT. HE SAID THEN WHY DONT YOU JUST PAY ME OFF. I WORK IN THE XXXX XXXX AND WE DO NOT BAGGER AND CALL PEOPLE REPEATEDLY AFTER WE SET THEM FOR THE DAY. WE CALL THEM THE FOLLOWING DAY IF WE MISSED THE DAY THEY ARE SET TO COME IN. THIS MANAGER WAS EXTREMELY RUDE AND DIDNT SEEM TO CARE THAT I WAS UPSET ALL HE WAS WORRIED ABOUT WAS THAT HE DIDNT KNOW WHY I WAS STILL TALKING TO HIM. HE FINALLY HUNG UP ON ME. IF YOU TELL SOMEONE YOU ARE COMING IN AND THAT DAY HAS NOT PASSED AND YOU ARE NO WHERE NEAR THE DAY BEING OVER. WHY ARE YOU CALLING ME AND CALLING ME AND CALLING ME AFTER I HAVE TOLD YOU THAT I WOULD BE THERE. MUCH LESS 3 TIMES WITH IN THE SAME HOUR. THAT IS ABSURD.
Company Response: Closed with explanation
2018-11-02
North Hollywood, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: In XX/XX/2018, I submitted preliminary personal information to ONE MAIN FINANCIAL ( via their website ) for a pre-approval on a personal loan offer. When I did so, I was with the belief that the initial inquiry would only result in a " soft pull '' on my credit report. The lead ( page one ) of the ONE MAIN FINANCIAL website notes that the initial inquiry would not affect my credit score.
However, the inquiry did in fact result in a " hard pull '' on my XXXX credit report, a mark that will remain on my report for two years. I did not authorize such a pull.
I filed a complaint and spoke with a representative at ONE MAIN FINANCIAL. While the representative was professional and understanding, she was not able to get the " hard pull '' removed from my XXXX report. She stated that the bank 's tech team had determined that, having visited the ONE MAIN FINANCIAL site from a third party at one point during my extensive hunt for a personal loan, this third party ( XXXX XXXX ) bypassed any " soft pull '' inquiry that I had been informed of while I had investigated the ONE MAIN FINANCIAL main website page ( at a different, earlier time ).
At no point did ONE MAIN FINANCIAL note that, by visiting their website via XXXX XXXX, I would be bypassing/declining a soft pull on my credit.
The result is, quite simply, false and misleading advertising that has caused harm to my credit file. In fact, the ONE MAIN FINANCIAL representative said I was not the only person who had complained about this problem. Yet the bank has done nothing to correct the situation as of XX/XX/18.
Company Response: Closed with explanation