ONEMAIN FINANCIAL HOLDINGS, LLC

2018-09-06

Bakersfield, CA

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: XXXX has been non-compliant with removing the unverified account SPRINGLF FIN which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SPRINGLF FIN 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

Timely Response

2018-09-04

Seattle, WA

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

2018-09-02

Seattle, WA

Charged fees or interest you didn't expect

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

Complaint: I am being charged factitious interest that do not correspond to what it's supposed to be. I reached out to them multiple times to try to solve the issue, but they don't seem to be willing to provide any satisfactory issue to this matter. I am therefore requesting and in-depth review of all payments and interest charges that have been imposed to my account. I hope this would help not only with my case, but as well as other folks in the same situation. Thank you very much.
Company Response: Closed with explanation

Timely Response

2018-09-02

Los Angeles, CA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2018-09-01

Albuquerque, NM

Problem with additional add-on products or services

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

Complaint: I started a loan with a company called Springleaf Financial LLC over here in XXXX, NM. That company is now Onemain Financial. The loan was for around {$10000.00} and was meant as a consolidation to my credit cards. I was mislead into believing an account worth {$1200.00} was consolidated in the amount by the associate who had me signing the papers. I asked her why I didnt receive a check for that company, and I was told that it would come after 3 months of on time payments. So after 3 months of on time payments I call to see what is going on and I was told that they could look into refinancing but that the terms of my loan did not include that account. They specifically then told me I should have read it closer. I insisted that the representative even talked to her manager and came back to tell me that information. I then signed the contract and took the checks they offered me. If I had known that it wouldnt have included that account, I wouldnt have consolidated, and it ended up putting me in a rough financial spot. I had asked for a supervisor to call me back, but I never got a return call. I didnt know about UDAAP until recently when I realized I was mislead and could take action against them. I obtained the loan in XXXX but the earliest statement their website lets me access is from XX/XX/XXXX which I have uploaded. I will work towards finding the entire agreement so I may send it in ; however, Im sure based on my statement you will be able to find the account this is in reference to and the signatures of the Springleaf representative and manager that mislead me. In addition, when they called to collect their payment on XX/XX/XXXX I wasnt informed there was a return payment or return payment fee on my account, nor did she give me the option of paying it. Im very concerned about this company and have no trust in them anymore.
Company Response: Closed with explanation

Timely Response

2018-08-31

Lynnewood Gardens, PA

Unable to get your credit report or credit score

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

Other problem getting your report or credit score
Company Response: Closed with explanation

Timely Response

2018-08-31

Bay Shore, NY

Improper use of your report

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

Reporting company used your report improperly
Complaint: On XX/XX/2018, a hard inquiry was placed on my credit report from One Main. Unfortunately, I was not offered credit 'after ' the inquiry was made. I have since contacted One Main requesting the inquiry be removed from my credit report. The Fair Credit Reporting Act states, 'The only permissible purpose for pulling anyone 's credit is A ) A FIRM offer of credit B ) Insurance C ) Employment or D ) A court order. A firm offer of credit is defined by the Fair Credit Reporting Act as 'any offer of credit or insurance to a consumer that will be honored if the consumer is determined, based on information in a consumer report, to meet specific criteria used to select the consumer for the offer. '' I was selected for the offer of credit via USPS delivery of an offer/application, however, my application was denied, therefore, the 'offer of credit ' was not 'honored. ' As a result, and according to the FCRA, One Main is required to remove the inquiry from my credit report. Subsequently, I've made contact with One Main via USPS and requested the inquiry be removed. Unfortunately, my request has been denied. Conclusively, One Main has refused to adhere to the requirements of the FCRA. As a result, I'm demanding complete removal of One Main 's inquiry from my credit report.
Company Response: Closed with explanation

Timely Response

2018-08-31

Nyc, NY

Improper use of your report

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

Reporting company used your report improperly
Complaint: Hello, I '' m reporting a problem because I did a pre qualify application with one main finical on XX/XX/2018 and it was supposed to be a soft pull on my credit. this application also said that my credit would not be effected if i applied I called them last month to prove to me if this was a hard pull or send me a letter and they could not provided any proof. Here is a link I used for the application. XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-08-30

Alpharetta, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-08-30

Cuyahoga Falls, OH

Struggling to pay your loan

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

Company Response: Closed with explanation

Timely Response

2018-08-30

PA

Problem when making payments

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

Complaint: On XX/XX/XXXX I gave Onemain financial permission to draw {$90.00} from my debit card on XX/XX/XXXX On XX/XX/XXXX I changed that amount to {$180.00} the same way the same day. On XX/XX/XXXX they try to make an Ach transaction from my account, which I had thought they did as a debit on XX/XX/XXXX as we agreed. So this was against my approved day and in an unauthorized way. They offered to review my incurred bank fees and MAYBE reimburse me those. They wanted nothing omitted. That was enough to make me unwilling to share my banking info any further with them. I had to place a stop payment on the account and was charge numerous overdraft fees. I can no longer pay them from the account so I have to buy money orders and mail them. Now they say they havent gotten the money order yet.
Company Response: Closed with explanation

Timely Response

2018-08-28

Occoquan, VA

Struggling to pay your loan

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

Complaint: Good Afternoon, I have a personal loan with One Main Financial. I stopped making payments for a couple of months due to my financial situation. Ever since then I they have been calling and harassing me at my job every single day! I have told them numerous times to call me on my cell phone if they need to reach me and they still keep harassing me at work! Our calls our monitored and if they keep calling I could be terminated. Thanks, XXXX
Company Response: Closed with non-monetary relief

Timely Response

2018-08-27

Gastonia, 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: On XX/XX/2017 One main financial pulled my credit report for an application I never requested, applied for, or knew anything about. I have written letters to the company, disputed my credit report, and almost a year later, still no response and no resolution.
Company Response: Closed with explanation

Timely Response

2018-08-27

Detroit, MI

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

Timely Response

2018-08-27

Brooklyn, NY

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

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

Complaint: I received an offer in the mail for an " additional loan ''. I applied and received an email stating that I was " Approved for [ my ] loan offer ... '' as long as I verified income, identity, etc. This was confirmed on my account page with the company, which states, " Your documents have been reviewed and approved We are currently finalizing your application. A branch representative will reach out to you to you to set up time to begin your loan closing. '' I also received an " approval '' message on the webpage after submitting my application. I didn't hear from a rep. so I called, but was told, " I'm not approved and will receive a letter in the mail detailing why ... '' despite having an active and recent loan with the same company. I'm okay with the denial, except I was being deceived throughout the entire process to submit information and contact the local branch to " close '' on a loan. It was a waste of my time that affected my present and future financial planning and has led to losses on my part.
Company Response: Closed with explanation

Timely Response

2018-08-23

Ivanhoe, VA

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 non-monetary relief

Timely Response

2018-08-23

Harvey, LA

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

2018-08-23

New Bern, 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
Company Response: Closed with explanation

Timely Response

2018-08-22

Bakersfield, CA

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
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 buXXXX 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

Timely Response

2018-08-21

Rochester, NH

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2018-08-21

Yeagertown, PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-08-21

Lewisville, TX

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: I work for the State of Texas. We are not allowed to use our equipment, including phones for personal use. I have repeated told the personnel of One Main Financial in XXXX, Texas that these calls are not allowed and that they are jeopardizing my employment. I need them to stop calling my place of work. I am behind a few days. I have communicated with them by phone and email on my personal equipment. This is harassment.
Company Response: Closed with explanation

Timely Response

2018-08-21

Yeagertown, PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-08-21

Wind Point, WI

Incorrect information on your report

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

Information belongs to someone else
Complaint: XXXX XXXX is not mines
Company Response: Closed with explanation

Timely Response

2018-08-20

Oxford, GA

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: XXXX has been non-compliant with removing the unverified account ONEMAIN which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that ONEMAIN 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

Timely Response