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 31
2018-05-27
Leming, TX
Getting the loan
Payday loan, title loan, or personal loan: Installment loan
Complaint: On XX/XX/XXXX I submitted a soft pull prequalification inquiry through several lenders, one of those being OneMain. When submitting the prequalification at OneMain.com, there was a disclaimer that stated " THIS WILL NOT HURT YOUR CREDIT SCORE '' next to the accept button. There was verbiage further down the screen that stated this was a soft pull as well.
After hitting the button to " GET STARTED '', I was presented with a pre-approval for {$10000.00} secured, for which I have nothing to secure the loan and do not want to entertain a secured loan anyways. I did not want to proceed. There was a button to continue that warned that a hard inquiry would be performed if I accepted. I closed the screen. I then got notification that my credit had been pulled as a hard pull. I gave no authorization to perform a hard inquiry. I am being very careful about inquiries and giving access to my full file, and I am very conscientious about only working with soft pulls until I am prequalified.
I called OneMain and asked that the inquiry be removed, giving the benefit of the doubt that this was a glitch. I was advised that it would be removed by the back office team. I was then emailed by OneMain and asked to submit a written request to remove the inquiry. I submitted that request via email, and included a screenshot of the SOFT PULL screen that was still on their website. I received a denial letter in the mail, stating that OneMain had permissible purpose.
This behavior has already been addressed in XXXX v. XXXX XXXX, XX/XX/XXXX. It is not good business practice to advertise a soft pull, use that as a marketing tactic ( see if you qualify without hurting your credit ), perform a hard pull without authorization, and then claim to have authorization.
Please promptly remove the inquiry from my credit file.
Company Response: Closed with explanation
2018-05-25
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: sent out a certified letter on XX/XX/2018, have not received a response to why ist there a unauthorized credit inquiry from the company. In the letter I stated that if there is no verifiable reasoning or proof to please delete and taken off credit immediately. I have not received a response as of yet.
Company Response: Closed with explanation
2018-05-25
Hinsdale, 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: XX/XX/XXXX An inquiry from ONEMain showed up on my credit report I called and they stated they could not help me. I called XXXX and they stated I needed to call the company after I told them I was victim of inquiry issues.
XX/XX/XXXX An inquiry from XXXX XXXX showed up on my credit report I called and they stated they could not help me. I called XXXX and they stated I needed to call the company after I told them I was victim of inquiry issues.
XX/XX/XXXX An inquiry from XXXXl showed up on my credit report I called and they stated they could not help me. I called XXXX and they stated I needed to call the company after I told them I was victim of inquiry issues.
XX/XX/XXXX An inquiry from XXXX XXXX showed up on my credit report I called and they stated they could not help me. I called XXXX and they stated I needed to call the company after I told them I was victim of inquiry issues XX/XX/XXXX An inquiry fromXX/XX/XXXX-XXXX showed up on my credit report I called and they stated they could not help me. I called XXXX and they stated I needed to call the company after I told them I was victim of inquiry issues
Company Response: Closed with explanation
2018-05-24
Torrance, CA
Communication tactics
Debt collection: Other debt
You told them to stop contacting you, but they keep trying
Complaint: Step 1 : What is this complaint about? Being harassed and tormented with e-mails every day for a {$5000.00} loan I have to pay back after I sent them a letter asking them to stop contacting me. One Main completely ignored it. How can I pay them back if I dont have a job? My other creditors are not panicking that I havent made my monthly payments.
Step 2 : What type of problem are you having? I used to be tortured with phone calls every day to collect the debt. I put a stop to that. Now I am receiving emails every day from One Main. Now I am wondering did I take out a loan from a financial company or did I take out a loan from the mob?
Step 3 : What happened? I do not have a job, I have been trying to get one since XX/XX/2017. I have applied for over 250 jobs and have not been able to secure gainful employment. I also applied for a job at One Main. No response from them. I am also working with a job recruiter. When I fell behind on my monthly payments I started receiving phone calls every single day. The gentlemen from One Main stated the status of my account and asked when One Main could expect to receive payment. I explained my situation to him and the next day I got another call from him stating the very same thing. This went on for days. I explained my financial situation to the gentlemen from One Main again and again and asked why he was torturing me with phone calls every day and he told me its my job. So, I called their main branch office and got a customer service phone number and explained my situation to them and they put a stop to the phone calls. Now I get emails every day and now a letter saying they are going to turn my account over to an attorney for collection. Is it lawful for a company trying to collect a debt to treat people this way? I really dont know what to do with this creditor. This company is heartless and relentless. They prey on the elderly who are down on their luck. If I call them they will say the same thing to me again that they always have. When can we expect payment on your loan or we have payment options. What good are payment options when you dont have a job.
Step 4 : What company is this complaint about? One Main ( lending company ) I wish I had never borrowed money from this company. When you go on the internet for One Main there are 2,902 consumer reviews and complaints.
Step 5 : Who are the people involved? Myself, XXXX XXXX and XXXX XXXX from One Main.
Company Response: Closed with non-monetary relief
2018-05-24
Freysville, PA
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
2018-05-23
Belvedere, GA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-05-23
Darbydale, OH
False statements or representation
Debt collection: I do not know
Attempted to collect wrong amount
Company Response: Closed with explanation
2018-05-23
Sanford, FL
Struggling to pay your loan
Payday loan, title loan, or personal loan: Personal line of credit
Company Response: Closed with monetary relief
2018-05-22
Manchester, NH
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Title loan
Company Response: Closed with explanation
2018-05-22
Bridgewater, NC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2018-05-21
Everett, WA
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Title loan
Company Response: Closed with explanation
2018-05-21
Sylvester, GA
Took or threatened to take negative or legal action
Debt collection: I do not know
Threatened to sue you for very old debt
Complaint: The Company that I would like to make a complaint about is the company that go by the name of XXXX XXXX XXXX. Now it has been renamed as One-Main Financial. They sold my account to a third party debt collector, XXXX XXXX, pretending to be an attorney office.
When I lost my job in XX/XX/2012, I owed a balance of $ XXXX.Additionally, while I was employed, I had the type of insurance that if you loose your job, the insurance should cover it. Long story short, I informed them of this. I was told to keep making payments from my unemployment checks until the insurance would take over and pay debt. I was put on a payment plan that lowered my payments but the interest rate of loan had doubled. I confronted agent over this, she stated that there was nothing that she could do. I was paying faithfully, every month with double the interest rate. The more I paid on this account, the higher the interest rate became. I confronted agent again, she stated I should continue to pay even if I had lost my job.
After contacting company about balance, they stated that I should be getting something in mail. I took a visit to company, I was told same exact thing. I called several times and was told same thing.
After several months, of paying what I could, the loan had ballooned into {$2500.00}. They had tripled the interest rate. Now today, they state that I owe them {$6000.00}. and more. At this point, my debt had been sold to a third party. I asked about the balance, they stated that they did not have that information and that I had to contact the third party debt collector. This collector was XXXX XXXX, they stated that they were an attorney office and if I did not pay full balance I would be arrested. This is abuse of power and harassment. They would never give me a verification notice of the amount that they incurred from XXXX/One-main Financial.
Company Response: Closed with explanation
2018-05-20
Shulerville, SC
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I have contacted OneMain directly as well as the 3 credit bureau 's. I have asked this collection company more than 60 days ago to remove this false negative account from my credit file and or show just cause of any potential accuracy or proof for reporting. To this date I have yet to see any documentation bearing my signature, and or showing that I have a legal binding contractual obligation to pay said debt. I am requesting that this false negative information be removed from my credit file immediately as this is hurting my credit worthiness. I can only assume that this is a mistake and that this above named company is not attempting to prey on consumers.
I have maintained copies of these notarized letters and dates and have warned the above named company that I was filing a complaint with the CFPB Thank you for your help.
Company Response: Closed with explanation
2018-05-19
Wesley Chapel, FL
Was approved for a loan, but didn't receive the money
Payday loan, title loan, or personal loan: Payday loan
Complaint: I was approved for a {$1500.00} loan through One Main Financial. And when I was able to provide all the required documents, I was told the loan was denied. Waste of time and inquiry on my credit report. Why call someone and say they're approved and have them allowing you to view personal information to slap them in the face.
This company is a fraud.
Company Response: Closed with explanation
2018-05-18
Church Point, LA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: The problem I'm having is 16 hard credit inquiries in just over a years time. I have very good reason to believe my identity was stolen although never noticed being my credit score has been on the low end for quite a while. But the hard inquiries are as follows : OneMain - XX/XX/XXXX Springleaf - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX One Main - XX/XX/XXXX Spring leaf - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX This is absolutely ridiculous!
Company Response: Closed with explanation
2018-05-18
Church Point, LA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: The problem I'm having is 16 hard credit inquiries in just over a years time. I have very good reason to believe my identity was stolen although never noticed being my credit score has been on the low end for quite a while. But the hard inquiries are as follows : OneMain - XX/XX/XXXX Springleaf - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX One Main - XX/XX/XXXX Spring leaf - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX This is absolutely ridiculous!
Company Response: Closed with explanation
2018-05-18
Damascus, 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
Company Response: Closed with explanation
2018-05-17
Rochdale, NY
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-05-17
Tampa, 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
Company Response: Closed with explanation
2018-05-17
Tampa, 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
Company Response: Closed with explanation
2018-05-16
Jasper, AL
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Installment loan
Company Response: Closed with non-monetary relief
2018-05-16
Columbia, MS
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
2018-05-15
Irvington, NJ
Trouble during payment process
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Closed with explanation
2018-05-14
Milton, PA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: To Whom It May Concern : I had an account with One Main. Our agreement upon receiving my last payment, my account with be closed. It was also agreed upon paid in full, it would not affect my credit report/score, however it is. It is currently showing as a : Charge Off.
Respectfully, XXXX XXXX
Company Response: Closed with explanation
2018-05-14
OR
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: One Main has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Closed with explanation