ONEMAIN FINANCIAL HOLDINGS, LLC

2018-09-27

Gaffney, SC

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

2018-09-26

TX

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

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

Problem with personal statement of dispute
Complaint: I mailed a goodwill letter on XX/XX/18 regarding XX/XX/2018 late payment status. I was having financial hardship due to being admitted into an in-patient hospital for a month and losing my job. They mailed me a letter on XX/XX/18 stating they aren't willing to help me out. This is keeping me from getting a mortgage loan.
Company Response: Closed with explanation

Timely Response

2018-09-26

Was approved for a loan, but didn't receive the money

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

Company Response: Closed with explanation

Timely Response

2018-09-26

Clayton, MO

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: I was contacted by XXXX XXXX, who stated they were collecting a debt on behalf of One Main, I was advised if I successfully settled the account they would agree to remove it from my credit bureau. I set up a payment agreement with XXXX for 6 payments to settle. Upon attempting to make my fifth payment, XXXX XXXX changed to a different company and stated my account was pulled from them. I contacted One Main who stated the account was pulled, however agreed to complete the settlement, upon advising them the account was to be settled and removed from my credit bureau they advised me this was not a practice they did, and what XXXX XXXX offered they could not. I told them this was not what the original agreement was basically they are breaking the agreement. Due to already making 5 of the 6 payment to settle, I paid the account off and requested someone in their customer resolution department contact me. I received calls from the rudest people totally disregarding what XXXX XXXX offered. I requested they pull the call and review it so our original agreement could be honored. I was advised that XXXX had changed to a new company and this was not possible. I am very upset because I kept my end of the settlement and I expect them to do what XXXX XXXX promised. They agreed that XXXX XXXX was representing them so this should be honored.
Company Response: Closed with explanation

Timely Response

2018-09-24

Los Indios, TX

Threatened to contact someone or share information improperly

Debt collection: Other debt

Talked to a third-party about your debt
Complaint: I am behind on my loan payments to One Main Financial. They are illegally calling my family members. They have called my mother in law twice. They talked to her once about my debt and then left a message the second time. Then today they called my father in law and left a message. The person making these calls is XXXX XXXX from One Main Financial Office in XXXX, TX XXXX I have not given them permission to contact my family! I told them on the phone I am currently unemployed and not able to make any payments at the moment. XXXX XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2018-09-24

AR

Improper use of your report

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

Reporting company used your report improperly
Complaint: ONEMAIN IS STILL PULLING PROMO INQUIRIES FROM XXXX/XXXX CREDIT REPORTS FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX CREDIT PROFILES.
Company Response: Closed with explanation

Timely Response

2018-09-23

Louisville, KY

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

2018-09-22

Aliq, PA

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Timely Response

2018-09-21

Charlotte, NC

Struggling to pay your loan

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

Company Response: Closed with explanation

Timely Response

2018-09-21

Birmingham, AL

Charged fees or interest you didn't expect

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

Company Response: Closed with explanation

Timely Response

2018-09-18

Bloomington, MN

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: Company stated they do not do hard inquiries, but they are on my credit report. I would like them removed please. Thank you.
Company Response: Closed with explanation

Timely Response

2018-09-18

NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I receive multiple calls from OneMain Fin ( XXXX ) XXXX. This has been going on for a month or more. Last night I received 3 calls from them within a period of not more than 2 hours. Usually, they are robocalls and no message is left but last night, from the same number, when the answering machine picked up, a woman said she was calling from a debt collection agency. As of last check, my credit score was XXXX. I don't have any outstanding unpaid debt. These are clearly scam calls and they are a major nuisance.
Company Response: Closed with explanation

Timely Response

2018-09-16

Pikeville, NC

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: One main XXXX XXXX XXXX XXXX These were just a few I noticed I didn't apply for called company didn't remove
Company Response: Closed with explanation

Timely Response

2018-09-15

Manchester, NH

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: Everyday, One Main Financial calls me at least ten times a day and has sent me three letters a day reminding me I owe them money. On Wednesday XXXX XX/XX/2018, they called md every half hour. This past week, Ive received fifteen letter from them.
Company Response: Closed with non-monetary relief

Timely Response

2018-09-15

Fort Worth, TX

Struggling to pay your loan

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

Complaint: I lost my job in XX/XX/2018, I called my loan company to see if I could use the coverage I signed up for when i originally signed my contract ( i.e. help making a payment if I was ever unemployed ), at the time I was told I'd have to make the XXXX payment before I could use the coverage. I called a few weeks after making the payment to discuss the unemployment coverage and was told that since I was not collecting unemployment ( I had been denied my state unemployment benefits ) that I don't qualify to use the coverage I'd agreed to when I signed my contract. I asked if there was anything they could do to help to which they said no. I asked to cancel the upcoming payment since it was set up for auto withdrawal ( since I knew I wouldn't have the money the payment ). I had accepted a job through a temp staffing company but it wasn't due to start until the end of XXXX. I started conversing with my loan company around the beginning of office, I advised them I was trying to keep my car from being repossessed and if they took their auto payment it would overdraw my account causing more issues and risk me losing my car. The rep I spoke with told me she had cancelled the auto payments on the loan and I'd need to re-set up the auto withdrawals going forward to keep my loan on a good payment schedule. Turns out the company still tried to withdraw the money from my account and I had to file a dispute with my bank and nearly lost my car. They even tried to make another auto pay withdrawal again on XX/XX/XXXX and I am disputing it again. They want me to make a payment or do an extension but the condition is that I would need to add auto payments back to the loan. I've received multiple calls a day, including within the same hour. I've also gotten multiple voice mails left within the same hour on the same day. Every call I get comes from a different phone number which is really upsetting me. I am feeling harassed and under undue stress.
Company Response: Closed with non-monetary relief

Timely Response

2018-09-14

Blackwood, NJ

Communication tactics

Debt collection: Payday loan debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with non-monetary relief

Timely Response

2018-09-13

Carlsbad, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2018-09-13

Cocoa, FL

Getting the loan

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

Complaint: This man called Mr XXXX XXXX ( check said XXXX XXXX - XXXX ) from a California number XXXX XXXX XXXX One main financial That is who he claims to be and claims to help people with no and low credit get loans he promised me a {$6.00}, XXXX loan but because my account is in the negative he had to bring it to the positive in order to give me the {$6.00}, XXXX so he deposited ( yes he required my login and password to my account to do this or threatened that I wouldn't get a loan ) and then he deposited a {$980.00} check literally logged into my account and deposited this check from a closed account causing me financial hardship literally I owe the bank so much money now because of this. I have so much evidence I have every text message phone call I even recorded a few conversations as well as the pictures of the checks I would just like for you guys to catch this guy who is a horrible man scamming people who are already broke already in turmoil who can not get help and can not afford mistakes and scams like this. Please can me an email or something a caseworker I will send you everything. XXXX refuses to give me an account now they literally closed my account because this man tried to cash a closed account check.
Company Response: Closed with explanation

Timely Response

2018-09-12

Radcliff, 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

Timely Response

2018-09-11

Bancroft Hall, MD

Incorrect information on your report

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

Account status incorrect
Complaint: I disputed this before and they are still insisting that information is accurate. In XXXX the company was not One Main Financial. It was Springleaf. I was not late with Springleaf. Their statement and response took place in XXXX. I had given them a check payment and wrong acct number was entered. So it came back. Then I replaced it immediately. I need them to show me written documentation that I was late.
Company Response: Closed with explanation

Timely Response

2018-09-11

Thompsons Station, TN

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2018-09-10

NH

Charged fees or interest you didn't expect

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

Complaint: I got a loan for {$5000.00}. The interest is {$7000.00}, making the amount I'm paying back {$12000.00}. I thought there was a law against charging exuberant interest. I needed the money at the time & didn't notice the amount of interest. I just think someone should look into One Main Financial & have them review their interest. It's ridiculous!
Company Response: Closed with explanation

Timely Response

2018-09-09

Wind Point, WI

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2018-09-07

College Hills Mall, IL

Communication tactics

Debt collection: Auto debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with non-monetary relief

Timely Response

2018-09-06

Shalimar, FL

Took or threatened to take negative or legal action

Debt collection: Auto debt

Threatened or suggested your credit would be damaged
Complaint: onemain in florida has called me after was told only call after work I have been called 17 time today XX/XX/2018 I know I owe you but they keep saying we will do a deferment and redo the loan I have losed XXXX dollars per last 2 years. employer did not honor our contract so I have not been able to get my payments with one main lowered they keep adding credit card interest daily my wife has had 2 storkes from stress and now a bad heart I also have something in my XXXX maybe XXXX not for sure this is to much stress on both of us for now please help XXXX XXXX
Company Response: Closed with non-monetary relief

Timely Response