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 22
2018-11-02
Jersey City, NJ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I completed an online APPLICATION only - for a personal loan ; I simply wanted to determine if I qualifiedi. Within hours of the online application - BEFORE I even spoke with soneone, my personal credit report showed the inquiry and I have received over five harassing phone calls from One Main Financial. They explained I qualify for a vehicle lien loan meaning I would use a personal vehicle as collateral ; Ive stated repeatedly to them I do not own a vehicle and therefore I am not interested in doing business with them. At approximately XXXX XXXX XXXX - I returned ANOTHER call from them and requested they cease and desist with the calls. The agent became very aggressive - demanding I listen to terms of the vehicle loan and when I kept insisting they stop calling me and remove the inquiry from my credit report, the agent proceeded to ask if I have friends or family who could provide collateral. I consider this company a predatory lender and I never received a loan number ; when I asked ( for reference purposes ) they refused to provide it.
Company Response: Closed with explanation
2018-10-31
Benbrook, TX
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
2018-10-31
Henrico, VA
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Installment loan
Company Response: Closed with explanation
2018-10-31
Indianapolis, IN
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: One main financial sent a loan check in my name to an address I dont live at. A person with the same name as me does live at that address. That person cashed the check. I have reported to the credit bureaus and to Onemain that this is not me. I submitted a letter to Onemain at one of their offices with my signature on it for a comparison to the check endorsement. I have spoken to Onemain since then and was assured this would be taken care of.
Company Response: Closed with non-monetary relief
2018-10-26
FL
Improper use of your report
Payday loan, title loan, or personal loan: Personal line of credit
Received unsolicited financial product or insurance offers after opting out
Complaint: They keep sending me offers telling me I'm qualified and an offer number so I go online and apply and it states that I was approved for an amount providing I can provide the proper documentation which I can then everytime they turn around and say no I'm sorry we can't help you at this time. My main problem is not that they didn't give me the loan the problem is this is the 3rd time they tell me I'm qualified and they do a hard inquiry on my credit reducing my credit score after I've worked hard just to get it over 605.even on my XXXX XXXX app it says my approval odds are good for this company I just answered another one of their letters only for them to turn me down and lower my credit score
Company Response: Closed with explanation
2018-10-26
IL
Struggling to pay your loan
Payday loan, title loan, or personal loan: Title loan
Complaint: My claim number XXXX has been recently closed. I have made numerous calls to XXXX XXXX and One Main Financial in XXXX XXXX, IL where I spoke to the manager XXXX regarding this matter to obtain clarification. I was advised that XXXX XXXX was not receiving records from my current doctor, XXXX XXXX, in order to prove that I asked the doctor for the medical records I had XXXX on a three way call with my doctors office and they intern told XXXX that the records requested had been sent.
On XX/XX/XXXX, I received a call from XXXX at One Main Financial in XXXX XXXX, IL., in which he stated my bill still had not been paid. I called XXXX XXXX again and was advised that the information they were requesting was from XXXX XXXX which is a doctor I had not seen since XX/XX/XXXX. Prior to this date XXXX XXXX supplied all medical information to XXXX XXXX and my claims were paid, in addition from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX paid my claims while under the care of XXXX.
While speaking to the XXXX XXXX representative regarding my claim she advised me that she could not tell me what XXXX XXXX needed from XXXX. I was confounded by this statement, because if you are requesting my medical information from a doctor I no longer see I should have a right to know what medical information you are requesting. I asked could the information be sent to my attorney and maybe she could ask XXXX , XXXX to supply the information to XXXX XXXX. I was advised that the attorney does not have a right to know what we ( XXXX XXXX ) are asking a doctor whose care I am no longer under.
In lieu of this matter I had the attorney fax XXXX XXXX my medical records from XXXX XXXX I am uncertain what information your company is looking for but I paid a premium for their XXXX insurance, I am off work on XXXX and have been since XX/XX/XXXX, XXXX XXXX XXXX has paid my claims and I am appealing your denial of my claim and ask that you re-instate my payments to One Main Financial.
From the local office i receive up to 10-15 calls a day, XXXX XXXX and One Main both companies are aware I am on XXXX, this harassment is causing me more health issues. I don't have the money to pay the bill which is why i purchased the XXXX insurance. I have not been presented with an appeal process or any facts of why my case was closed.
I am trying to save and borrow money to pay the bill or pay something on the bill but the amount One Main stated I could pay was denied 4 days after I agreed to pay it.
Company Response: Closed with monetary relief
2018-10-25
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
2018-10-23
Arlington, 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
Company Response: Closed with explanation
2018-10-22
Williamston, MI
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
2018-10-21
Knoxville, TN
Problem when making payments
Payday loan, title loan, or personal loan: Installment loan
Complaint: I had a loan with a monthly payment of {$86.00} a month on the XXXX if each month. On XX/XX/XXXX I made a payment of {$480.00} and my regular loan payment for that month. The {$480.00} payment was entered as an adjustment and not a payment and no interest was taken off even though I paid almost 6 extra payments. When I called to inquire about why no interest was credited I was told that I paid all of the interest in the beginning of the loan. I paid the loan off a year early but was on credited about {$80.00} in interest when I paid {$280.00} this week. I was told there was no penalty to pay it off early but I paid the entire loan plus all interest but {$80.00}. I have enclosed copy of check sent to make payment and my monthly statement showing it was posted as an adjustment not a check payment.
Company Response: Closed with explanation
2018-10-21
Seneca, SC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with explanation
2018-10-20
Key Biscayne, 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: OneMain viewed my XXXX credit report on XX/XX/XXXX without my consent or authorization.
XXXX XXXX XXXX viewed my XXXX credit report on XX/XX/XXXX without my consent or authorization.
US SM BUS ADMIN ODA viewed my credit report on XX/XX/XXXX without my consent or authorization. I have contacted them and XXXX disputing these inquiries and they never take any action to removed them. Therefore I am asking for them to investigate these inquiries to provide me with documentations bearing my signature that I have authorized them to viewed my consumer file otherwise I am asking that they remove these inquiries from my XXXX file.
Company Response: Closed with explanation
2018-10-20
Palos Park, IL
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 GOT A LOAN FROM ONE MAIN AND THEY PULLED MY CREDIT TWICE AND THEY OUT-OUT FROM PROMO INQUIRIES, THERE 6-7 ON XXXX AND 4-9 ON XXXX.
Company Response: Closed with non-monetary relief
2018-10-18
Lawrenceville, GA
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Title loan
Company Response: Closed with explanation
2018-10-16
Cleveland, 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
2018-10-16
Quartzsite, AZ
Incorrect information on your report
Payday loan, title loan, or personal loan: Installment loan
Account information incorrect
Complaint: I am writing to make a formal complaint against ONEMAIN FINANCIAL previously called ONEMAIN.
1. ONEMAIN FINANCIAL has violated Arizona Fair Debt Collection Practices Act by using false representation or deceptive means to attempt to collect a debt.
2. ONEMAIN FINANCIAL has violated the FCRA by failing to conduct a proper investigation upon notice of dispute and/or by failing to report the findings of such investigation to the credit reporting agency ; and by failing to report accurate information to the credit reporting agency. FCRA liability holds statutory damages at {$1000.00} per violation. Each account is considered a separate violation.
3. ONEMAIN FINANCIAL has violated the FDCPA by engaging in conduct that is meant to harass, oppress or abuse a person ; by falsely representing the character of a debt ; by falsely representing the legal status of a debt ; by failing to note the account in dispute to the credit reporting agency ; by using false representation or deceptive means to attempt to collect a debt ; by using unfair or unconscionable means to attempt to collect a debt. FDCPA liability holds statutory damages at {$1000.00} per action. Each account is considered a separate action.
FACTS : ONEMAIN attempted to collect on an debt under false representation. On XX/XX/XXXX Onemain responded to a letter I sent to XXXX XXXX XXXX who is a collection agency. XXXX XXXX XXXX used letters deemed illegal and harassing phone calls for over a month. ONEMAIN had knowledge of this illegal activity as I had an open dispute with ONEMAIN and was in correspondence. During this time both companies were still attempting to collect on the debt while reporting inaccurate information to credit bureaus.
As you know, Section 1692g ( b ) requires the debt collector to cease collection of the debt at issue if a written dispute is received within the 30-day validation period until verification is obtained. Even reporting a charged-off debt to a consumer reporting agency, particularly at this stage of the collection process, constitutes " collection activity '' on the part of the collector.
ONEMAIN FINANCIAL sent a lengthy correspondence letter with a copy of their response letter included from XX/XX/XXXX. This response letter proves ONEMAIN and XXXX XXXX XXXX were in fact carrying out unlawful collection activity while I was in dispute with the original furnisher.
ONEMAIN FINANCIAL deliberately omitted the correspondence letter which precedes the response letter that provides the context of the correspondence. For integrity purposes ONEMAIN FINANCIAL should have submitted a copy of the letter that preceded the response letter as it should be a matter of record also.
Evidence supports ONEMAIN FINANCIAL intentionally omitted the preceding letter and misrepresented the context of the XX/XX/XXXX correspondence with XXXX XXXX XXXX to mitigate its responsibility for violating the FDCPA on numerous occasion.
ONEMAIN FINANCIAL stated that it was attempting to collect a debt using its own employees so it was not in violation of FDCPA. XXXX XXXX XXXX is not ONEMAIN FINANCIAL and your company responded to correspondence to XXXX XXXX XXXX which is verifiable proof of FDCPA violation. ONEMAIN FINANCIAL did attempt to collect on a debt by deceptive means.
Please be advised that the FDCPA is a strict liability statue and one only needs to show a violation occurred in order to be awarded statutory damages. Provable infractions have taken place and are still subject to damages payable to the consumer.
ONEMAIN FINANCIAL made unauthorized charges to my XXXX XXXX account in the amount of XXXX on XX/XX/XXXX. I have submitted a copy of my bank statements and your representatives simply deny any record of the withdrawal which is a matter of record. I have even offered to arrange certified copy be sent directly to ONEMAIN FINANCIAL from XXXX XXXX.
ONEMAIN FINANCIAL allowed double jeopardy reporting of the same debt with different account numbers to the credit bureaus. Please be advised I have disputed these various inaccuracies since XXXX. In your correspondence letter you explained that Springleaf Financial and ONEMAIN merged to become ONEMAIN FINACIAL and all accounts were merged into one. XXXX has record that ONEMAIN FINANCIAL was in fact reporting the same debt two times with two different account numbers and this matter was only recently corrected in XX/XX/XXXX.
Company Response: Closed with explanation
2018-10-16
TX
Struggling to pay your loan
Payday loan, title loan, or personal loan: Installment loan
Complaint: I am a XXXX year old widow on a fixed income. I dont know the exact date, but I recently borrowed {$5000.00} from XXXX XXXX XXXX in XXXX Texas using my car as collateral. Without any notice, my payments doubled then someone was sent to my property without any documentation threating to repossess my vehicle. I was verbally assaulted including racial slurs. After contacting XXXX XXXX XXXX office, I was referred to this service.
Company Response: Closed with non-monetary relief
2018-10-15
Occoquan, VA
Struggling to pay your loan
Payday loan, title loan, or personal loan: Installment loan
Complaint: Am I behind on Payments- Yes! But to keep calling my place of work a million times a day is harassment! This is the second time that I have asked not to call me at work but on my cell phone! I will definitely work out some kind of plan where I can have it deducted from my account each time I get paid but please please please please stop harassing me at my job!!!!!!
Thank you!
Company Response: Closed with non-monetary relief
2018-10-15
Clinton, MD
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2018-10-15
Tomball, TX
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
2018-10-14
Shulerville, SC
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with non-monetary relief
2018-10-12
San Francisco, CA
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Title loan
Complaint: I borrowed money from OneMain Financial in the amount of {$15000.00} in XX/XX/2017 with my car as collateral. In the contract, the interest is 19 % per annum. Monthly payment would be deducted from my bank account in the amount of {$490.00}. In each bill however, only {$280.00} goes to the principal loan and the {$210.00} goes to the interest. This is 43 % way more of what is stipulated in the loan agreement. Please help me!
Company Response: Closed with explanation
2018-10-12
OH
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Installment loan
Complaint: on XX/XX/XXXX I was called by XXXX of XXXX XXXX XXXX in XXXX oh. since I was a good client she offered me a new better loan. my ols loan would be paid in full with no XX/XX/XXXX payment due. instead they took the payment of XXXX $ out of my aact. and also charged me an overdraft of XXXX $ they finally put it back into my account. I feel the rate charged was way too high. she told me a 36 mo. loan then changed it to 42. the closing was done on the phone because she said her documents would not go to my email, no fool like an old fool.now I am stuck with a longer loan.i feel this was very deceptive.
Company Response: Closed with monetary relief
2018-10-11
Seneca, SC
Struggling to pay your loan
Payday loan, title loan, or personal loan: Payday loan
Company Response: Closed with non-monetary relief
2018-10-10
Washington, DC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with non-monetary relief