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 27
2018-08-07
Mabank, TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Complaint: IN REGARDS TO : ONE MAIN FINANCIAL XXXX XXXX XXXX XXXX MD XXXX I HAVE SENT COUNTLESS CERTIFIED LETTERS TO THE BUREAU XXXX LETTING THEM KNOW THAT I'M A VICTIM OF IDENTITY THEFT. AS WELL AS FORGERY HAS BEEN COMMITTED AND THAT THIS ACCOUNT WAS OPENED FRAUDULENTLY IN MY NAME AND I HAVE NEVER DONE BUSINESS WITH THIS COMPANY NOR HAVE I EVER HEARD OF THEM.
Im currently consulting with an FCRA attorney about escalating this matter to the next level because you have failed to conduct an investigation regarding inaccurate FRAUDULENT account on my credit report. Based on the FCRA and my counsels review of the FCRA, you are supposed to conduct a reasonable investigation on items presented to you by consumers. You have failed to do this on several occasions, which is a violation of the law.
This is my last request to your company to follow the law and REMOVE THE IDENTITY THEFT ACCOUNT FROM MY CREDIT REPORT AS IT DOES NOT BELONG TO ME. I HAVE FILED POLICE REPORTS WITH THE OFFICERS SIGNATURE AND POLICE REPORT NUMBER AND I HAVE SENT THEM OVER TO THE BUREAU XXXX AND THEY HAVE STILL FAILED TO COMPLY WITH THE LAW AND REMOVE THE ACCOUNT. I'VE EVEN SENT IT TO THE DEBT COLLECTOR AND ONE MAIN AND THEY HAVE NEVER RESPONDED BACK.
Company Response: Closed with explanation
2018-08-06
OH
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Complaint: I believe that loans were predator. I need to have someone to review my loans. The balance from the initial loans has triple. I am not behind on the loans, and I would like to paid them off, but these figures appear to be outrageous
Company Response: Closed with explanation
2018-08-06
East Troy, WI
Struggling to pay mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Closed with explanation
2018-08-03
Springfield, IL
Communication tactics
Debt collection: Auto debt
Frequent or repeated calls
Company Response: Closed with explanation
2018-08-03
Claremont, CA
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Installment loan
Company Response: Closed with monetary relief
2018-08-02
Allenwood, NJ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I found that one of my payments to your account have been labeled as late on my credit report. These missed payments were due to : Lack of information provided by One Mains XXXX XXXX branch. A payment did not go through on my checking account. When I checked the website to see my balance a week or two later, I noticed the payment did not go through. The following day I went to their office and I was told by One Mains XXXX XXXX branch that it was an error on their part and that they listed my account as a Checking and not a Savings account. I was told by simply switching the account information on file from a checking account to a savings account the payment would go through. It failed to go through again and once again was not informed as well as I see necessary. The account went thirty days past due, So i made a phone call to One Mains customer service line. They told me I needed a certain form from the branch I used to file a dispute. When I tried to talk to them about possibly filing a dispute and asked for the letter that customer service told me to ask them for, they were extremely rude and unhelpful at the XXXX XXXX branch and said no such form existed. I called back to customer service and the customer service representative I spoke with even told me they had a history of Not doing their job at that Branch.
I have had 100 % payment history on all other accounts and until this error occurred was always on time with my One Main account. Since the late payment occurred for the above justifiable reasons, please correct the payment history at any credit bureaus that carry the history of my account with you, Including, but not limited to : XXXX XXXX XXXX It is imperative that my credit score reflect the good business relations I have maintained with all companies in the past. The corrections to the report will make it more representative of my financial habits. I sincerely hope you will not take into consideration my oversight with these late payments which, I assure you, will not occur again. I look forward to continuing our relationship and maintaining good financial habits.
Company Response: Closed with explanation
2018-08-02
Allentown, 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 called said company regarding the multiple inquiries on my credit report and i was told to contact the credit bureaus regarding this issue that they could not do anything regarding this
Company Response: Closed with explanation
2018-08-02
Atl, GA
Communication tactics
Debt collection: Other debt
Frequent or repeated calls
Company Response: Closed with non-monetary relief
2018-08-01
Franklin Lks, NJ
Managing an account
Checking or savings account: CD (Certificate of Deposit)
Problem with renewal
Company Response: Closed with explanation
2018-07-31
Centerville, OH
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with monetary relief
2018-07-31
Honolulu, HI
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
2018-07-31
Mill Creek, IN
Problem when making payments
Payday loan, title loan, or personal loan: Installment loan
Complaint: I took out a loan from OneMain Financial , Inc AKA XXXX XXXX XXXX XXXX XXXX XXXX XXXX while going through divorce then became ill. I had XXXX which took time to recover, no work no money. I did not notify the company since I thought I could catch up later. The company has to date never provided a Default Notice or Warning letter to my address ( Lawyer has the address ). Oddly I received a summons with " ALIAS '' stated on the summons in handwriting. My name was hyphenated when I was married ( I suppose it's not okay for males, they get branded with Alias by rich 1 % financial companies ) this will be shared to social media. The courts have since restored my name and the loan company agent ( Lawyer ) feels the need to criminalize my LEGAL NAME CHANGE BY CALLING IT ALIAS, I DO NOT AND NEVER HAD AN ALIAS. I moved yet the summons managed to locate me which indicates they always had my address. Strange, so why haven't I received any correspondence ( ie Warning Letter or Notice of Default ) from the loan company? This rich loan company managed to find a lawyer to drain the blood from me while struggling, yet can not send a notice and warning as required by law? I have in my possession the loan companies own agents ( Lawyers Summons ) on letterhead indicating they knew/know my whereabouts and went straight to summons. No Warning or Notice of Default are in the summons. Now I am to appear in court or face a judgement caused by a stacked deck in favor of the 1 % rich company. This is harassment and I intend to counter sue the company for violations of the FDCPA. However, to avoid all the back and forth, I would still be willing to work something out with the extremely wealthy 1 % loan company AWAY FROM LAWYERS. I write this complaint to make this a matter of public record. And I will fight back if necessary. I will retain counsel and file countersuit within 5 days. I know my rights under the FDCPA and I have no intention of allowing any company to ruin my name. I await the reply.
Company Response: Closed with explanation
2018-07-30
Belleville, 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
Company Response: Closed with explanation
2018-07-30
Belville, NC
Attempts to collect debt not owed
Debt collection: Mortgage debt
Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with non-monetary relief
2018-07-30
Chicago, IL
Problem with the payoff process at the end of the loan
Payday loan, title loan, or personal loan: Title loan
Company Response: Closed with explanation
2018-07-29
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: " FINAL ATTEMPT TO RECTIFY THESE MATTER OUTSIDE CLASS ACTION EFFORT ''.
CEASE PULLING UNAUTHORIZED PROMO INQUIRIES FROM XXXX CREDIT PROFILES, ESPECIALLY WHEN CONSUMER HAD OPTED-OUT. THIS IS A VIOLATIONS OF THE F.C.R.A. AND THE " DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. STOP DEFLECTING OUR ATTEMPTS USING CFPB PORTAL FOR YOU VIOLATE TITLE X.
Company Response: Closed with explanation
2018-07-29
AR
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Received unsolicited financial product or insurance offers after opting out
Complaint: ONEMAIN AND XXXX XXXX HAVE NOW MERGED! THEIR BUSINESS MODEL HASN'T, THEY CONTINUE PULLING PROMO INQUIRIES FROM XXXX, AFTER CONSUMER OPTED-OUT.
Company Response: Closed with explanation
2018-07-29
Syringa, VA
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Installment loan
Company Response: Closed with explanation
2018-07-26
Riverview, FL
Problem with additional add-on products or services
Payday loan, title loan, or personal loan: Installment loan
Company Response: Closed with non-monetary relief
2018-07-26
Savannah, GA
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Personal line of credit
Company Response: Closed with explanation
2018-07-26
Spokane, WA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Complaint: OneMain Financial Acct No XXXX Paid Off total balance on XX/XX/18 of {$1100.00} Received no further notices or statements from One Main Financial until XX/XX/18 received XX/XX/18 notice from One Main Account closed account for default XXXX called customer service and was told that a {$100.00} fee for renewal of line of credit was charged against account, that it was not paid, that it was written off and the notice of termination and default sent. XXXX told them he did not authorize any renewal of line of credit, that total account was paid off XX/XX/18 and no balance was owed.
XX/XX/18 received XX/XX/18 revised notice of termination of account and waived balance.
XX/XX/18 Reviewed statements online from XX/XX/18 through XX/XX/18.
No {$100.00} renewal fee charged.
XX/XX/18 online balance showed balance of {$58.00} however would only allow payment of statement balance of {$53.00} for XX/XX/18.
Then went back online and paid additional {$5.00} for XX/XX/18.
Balance now should be XXXX.
I have no idea what the additional charges were for, did not receive any bills or notice of any default or request for renewal of line of credit after paying off debt
Company Response: Closed with monetary relief
2018-07-26
Euclid, 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
Complaint: I initiated an application with one main financial, when she started asking me information about the loan she added my husband onto the loan. She did not tell me she was going to do a secondary application and run my credit score again. She never asked if that was ok. Then she called me back saying we were approved for XXXX after the underwriting department looked into it. She never said anything about a second inquiry which should not have been necessary since they already had my report. Had I known this we would have gotten 2 separate loans. She took away my right to decide on my credit file.
Company Response: Closed with explanation
2018-07-25
SC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: Spoke to XXXX in the Fraud department who stated in short that they did not accept the police report I sent because the case number was invalid ( I disagree ), The police report has an official case # and the name of the investigator and her supervisor. Per her request I have picked up a copy from XXXX. This account occurred in XX/XX/XXXX. I never signed a contract with OneMain. She stated that they mailed me several letters that I never received. This could be due to the fact that I moved in XX/XX/XXXX. My current address is attached in this report. I'm asking your help to resolve this matter quickly
Company Response: Closed with explanation
2018-07-24
Problem with a credit reporting company's investigation into an existing problem
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Closed with explanation
2018-07-24
Henrico, VA
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Installment loan
Company Response: Closed with explanation