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 32
2018-05-13
Winnsboro, LA
Problem when making payments
Payday loan, title loan, or personal loan: Installment loan
Complaint: In XXXX XXXX, I started my own business. While starting the business I kept OneMain Financial informed of what I'm doing. XXXX XXXX, office mgr. in XXXX XXXX, La. XXXX, congratulated me and the payments continued. Unfortunately in XXXX, my business start experiencing financial trouble. That's when the calls started. I sent XXXX an email explaining my financial status and told that I will not decide between paying my rent and making a loan payment. After sending that email, the calls became constant. It don't make sense to call 4-5 times a day. I also start receiving calls from their office in XXXX, La. That office address is not on any of my loan documents and they should not have any right to call me.
On XX/XX/XXXX, I got tired of being harassed about this loan. I gave them the collateral, XXXX XXXX XXXX XXXX, and parked it at there office. I also included a letter detailing the calls and informed them not to call my home and cell phones. I also included they're not to mail anything to my home. I only want notifications by email ( paper trail ). After giving them the XXXX, I didn't receive not a single email from XXXX.
On XX/XX/XXXX, I received a late payment notification from several credit reporting agencies ( XXXX XXXX, XXXX XXXX, XXXX etc ). When I checked my account, it shows that OneMain filed a late charge against me. I consider this retaliation for giving them the collateral instead of making payments. The account is still open on their website. Also, this account have insurance on it for this very reason and it have not been filed. Once filed, the insurance should pay off the debt. Instead of being harassed and retaliated against.
Company Response: Closed with explanation
2018-05-12
Durham, NC
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt was paid
Company Response: Closed with explanation
2018-05-12
Middleburg, FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: onemain fin co. put a loan debt on my credit report for $ XXXX.and said that the original creditor was spring leaf, onemain is useing the account number-XXXX in the amount of $ XXXX.spring leaf was paid under account number XXXX-in the amount of $ XXXX.date XX/XX/XXXX.now that it is on the dater basic of the c.f.p.b. and the XXXX under the same number, which the bureau will get a copy of. by staying on my XXXX and XXXX credit report you are aware of the fact that you are breaking the law.of the F.T.C. Fair Reporting Act. By reporting False information.I do not owe you.
Company Response: Closed with explanation
2018-05-12
Middleburg, FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: onemain fin co. put a loan debt on my credit report for $ XXXX.and said that the original creditor was XXXX XXXX, onemain is useing the account number-XXXX in the amount of $ XXXXXXXX XXXX was paid under account number XXXX-in the amount of $ XXXX.date XX/XX/2015.now that it is on the dater basic of the c.f.p.b. and the XXXX under the same number, which the bureau will get a copy of. by staying on my XXXX and XXXX credit report you are aware of the fact that you are breaking the law.of the F.T.C. Fair Reporting Act. By reporting False information.I do not owe you.
Company Response: Closed with explanation
2018-05-10
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
2018-05-10
Tysons, VA
Problem with the payoff process at the end of the loan
Payday loan, title loan, or personal loan: Installment loan
Company Response: Closed with explanation
2018-05-10
Moreno Valley, CA
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: This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : ONEMAIN Inquiry Date XX/XX/2018
Company Response: Closed with explanation
2018-05-09
Plainfield, IL
Vehicle was damaged or destroyed the vehicle
Payday loan, title loan, or personal loan: Title loan
Complaint: I am being sued by one main financial for a title loan that i defaulted on. I have been involved in 2 car acciddnts pastb2 yrs and there for i have had financial hardships. I tried to work with them to lower payments but my medical bills have grown to where i cant afford to pay all my bills let alone XXXX to XXXX a month on a vehicle that i no longer have or is working. They have harrassed me by calling my job when i was still working. It got to the point that i was talked to by my boss about recieving personal calls 3 times a day. I went to court and then tried to contact one main financial to try and solve the issue. The lawyer i n charge of the case wouldnt even talk to me or my brother who is now in charge of my financials because i dont have the XXXX XXXX to handle all the debt that is building up due to my accidents and medical bills.
They have been incredibly rude and not willing to work with me at all.
Company Response: Closed with explanation
2018-05-09
Atlantic Bch, FL
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
2018-05-09
MN
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: On XX/XX/XXXX and XX/XX/XXXX some body Fraudulently applied for two loans to One Main Financial! I contacted One Main about this issue and also contacted XXXX XXXX from the Mn. Commerce Dept. about these two loans that someone applied for, I reported this and also reported it to the XXXX XXXX Police dept. One Main has requested several times to XXXX to remove the hard hits from my account, the hard hits are still there.
Company Response: Closed with non-monetary relief
2018-05-09
Pasadena, CA
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Company Response: Closed with explanation
2018-05-09
TX
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 have lodged disputes with XXXX XXXX, One Main Financial and XXXX XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.
Company Response: Closed with explanation
2018-05-08
Farmer Market, CA
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: When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by ONEMAIN on XX/XX/2017 which l have no idea about it at all.
Company Response: Closed with explanation
2018-05-08
Farmer Market, CA
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: When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by ONEMAIN FINANCIAL on XX/XX/2017 which l have no idea about it at all.
Company Response: Closed with explanation
2018-05-04
Ft Lauderdale, FL
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Reporting company used your report improperly
Complaint: I CONTACTED XXXX AND ONE MAIN FINANCIAL ALREADY REGARDING THIS ISSUE I HAVE HAD A FRAUD ALERT POSTED TO MY ACCOUNT AND HAVE MY CREDIT FILE LOCKED.. I AM DISPUTING ( 2 ) CREDIT INQUIRIES MADE BY ONE MAIN FINANCIAL THAT I DID NOT AUTHORIZE WHEN I GOT MY ANNUAL CREDIT REPORT I NOTICED THESE INQUIRIES.. I FAXED A LETTER TO ONE MAIN FINANCIAL ON XX/XX/XXXX REQUESTING VALIDATION THAT I AUTHORIZED THIS. I GOT NO RESPONSE WITHIN THE ALLOWABLE TIME FRAME.. SO I FAXED A REMINDER LETTER ON XX/XX/XXXX AGAIN REQUESTING VALIDATION ... TOWARDS THE END OF XXXX I RECEIVED A LETTER FROM THEM STATING IT WAS FROM SPRINGLEAF FINANCIAL ( WHOM I NEVER HEARD OF ) BUT YET STILL NO VALIDATION SUCH AS COPIES OF THE APPLICATIONS SHOWING I APPLIED FOR THIS LOAN.. NOW THEY ARE OUT OF TIME.. I WANT THESE BOGUS INQUIRIES REMOVED..
THE DATE OF THE INQUIRIES ARE : XX/XX/XXXX AND XX/XX/XXXX ... AGAIN NEITHER ONE OF THESE DONE BY ME ....
I DEMAND THESE BE REMOVED AT ONCE .... I ALSO CONTACTED XXXX TO REVIEW THIS INFORMATION IN DISPUTE ....
Company Response: Closed with explanation
2018-05-03
Stevenson, MD
Getting the loan
Payday loan, title loan, or personal loan: Installment loan
Complaint: In XX/XX/XXXX, I applied for a small personal Loan with one main financial. I was going to use my XXXX vehicle as collateral. I was asked to come into the office to sign final papers and I went to the XXXX Maryland office and spoke with XXXX. After signing papers and my title, giving all my copies of social security number and personal information, one main told me I could come and pick up my check within a day or two. Later that day or the next morning, I received a call saying that I needed a co-signer which I didnt understand why.. I told them that I didnt have a co-signer and due to the change, I didnt want the loan. I told XXXX I would be there to pick up my documents. When I went, she wasnt there and no one could find my folder. I have still not received any of my documents, including my car title or any of my personal information that I am not comfortable with floating around. I had to go to MVA and pay for another copy of my title.
Recently, I needed to sell my vehicle due to more medical bills due to an illness. I spoke with my insurance company to let them know I was selling the car. They ( XXXX XXXX ) informed me there is a lien on my vehicle from One main Financial. I have tried to call the XXXX office three times. I have asked for manager and each time, manager is not in. I have tried to call the corporate number but am not able to get to a person and asked to leave messages that are not returned. Today, XX/XX/XXXX, I spoke with XXXX from one main in XXXX. I again asked for manager and told she wasnt in. I told her what the issue is and I need the lien removed ASAP. I gave her all my information because she said Im not in their system. I told her time is a factor because I am going to loose the person that is buying my car which will be literally devastating financially and medically. She told me she has two people out and will do it when she has time. I again almost begged and she said when she has time but she isnt holding on a line because they have clients to take care of. She proceeded to say anything else?? I said no and thanked her for her time.
The company comes up as onemain financial, one main financial and/or onemain financial holdings LLC so I am unclear if they are one in the same
Company Response: Closed with non-monetary relief
2018-05-02
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with the interest rate
Company Response: Closed with explanation
2018-05-02
Cartwright, OK
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Installment loan
Complaint: We have called XXXX XXXX to have them explain how a loan balance of XXXX accrued XXXX of interest in 13 months. On XX/XX/XXXX, a payment of XXXX was applied to my account. This left a balance of XXXX. The office in XXXX informed my wife that they could not accept a full pay off from her because she was not on the loan. This was really odd to us. On XX/XX/XXXX, we paid off the loan. The pay off amount was XXXX. I still don't understand how they came with this pay off.
The interest rate on the loan is 25.00 %. When I calculate the interest based on the loan amount, the interest should be around {$37.00}. I have been sent a copy of the my agreement but I can't find it were is states I'm responsible for the full amount of the interest of the loan assessed on the full loan amount for the full term no matter when I pay it off.
I did find a " Prepayment '' section stating that I would be refunded the unearned portion of the Finance Charge interest if the loan was p. As of today, I have not received a refund.
Company Response: Closed with non-monetary relief
2018-05-02
Dexter, KY
Struggling to pay your loan
Payday loan, title loan, or personal loan: Title loan
Company Response: Closed with explanation
2018-05-02
Bear Creek Township, 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: ONEMAIN XXXX XXXX XXXX. XXXX, TX. XXXX ( XXXX ) XXXX, In XX/XX/XXXX I contacted the XXXX XXXX XXXX by submitting a complaint online on their website in regard to the company listed above known as OneMain Financial. I submitted a complaint that the company was illegally using phishing postal mailing scams for pre-approved loans in order to false-fully obtain credit information from prospects, I was a victim of it. The company used false advertising in order to obtain my credit information in which they ultimately denied any type of pre-approved loan. The branch office was located : XXXX XXXX XXXX XXXX, XXXX, PA. XXXX. I submitted corporate 's information to handle the illegal phishing scam. I have two ( 2 ) Hard inquiries on my XXXX credit report from ONEMAIN in which I already submitted claims of fraud/scam in which I did not authorize or make any hard inquiries in order to access my personal credit report. The dates reported : XX/XX/XXXX- Reason " Unspecified '' XX/XX/XXXX - Reason " Unspecified '' I was a victim of the original phishing scam on XX/XX/XXXX in which I did give my information but it was used against me since I was ultimately denied after supposedly already being pre-approved. However, XX/XX/XXXX I did not contact or authorize this company in any way shape or form due to the fraud/scam already reported to the XXXX in XX/XX/XXXX. I reported that I did not want any contact from this business whatsoever as it would be considered harassment. The XXXX. also rejected a recently submitted complaint and responded that that OneMain Finacial headquarters located in the state of Illinois is no longer in existence to be contacted. The above contact information should be valid as it is actively/ presently reported on my credit report. *Please see XXXX credit report uploaded as an attached document and the black circled areas as they pertain to the hard inquires I am disputing.
***OneMain Financial Corporare Headquarters Address : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX IN XXXX
Company Response: Closed with non-monetary relief
2018-05-01
SC
Communication tactics
Debt collection: Other debt
You told them to stop contacting you, but they keep trying
Complaint: This letter was left on the date indicated ... I personally dropped this in their front door after hours so there would be no mix up in the mail getting to them.
Thursday, XX/XX/2017 Evening It really should not be this hard. I have left notes, personally dropped through your door slot, I have spoken to at least 2 employees explaining that I could not take phone calls during the day. To please not call me between the hours of XXXX and XXXX. I also asked you to stop calling me during my work hours of XXXX to XXXX. I do not work in an environment where I can take personal phone calls, not to mention its distracting to my job. This should not be a hard concept to understand, I work in an environment where I can not answer my personal cell phone.
Even though I am not required to give you a reason, I explained in short that I had vehicle mechanical problems that took priority and more money than I thought, so that is why my payment is late. I also indicated that I make all payments thru your website and that it might help if you look at your computer to see that a payment is scheduled before calling me.
I do not appreciate your various employees calling my friends and family, portraying themselves to being my friend and trying to get in touch with me. You dont know me, you have never shared a meal with me, nor could you even tell me my eye color, so therefore you do not have the right to call me friend or lie to family and other friends pretending you are.
Thank you for your time, XXXX XXXX This was not listened to ... they persistently call at all hours, whether its me or friends and family pretending to be my friend. I don't live near their business, I very rarely go there in person, so being called a friend is a extreme stretch of any truth that I am aware of.
Evidently at this point, they don't care, they're not capable of understanding or they don't want to understand another point of view. There have also been calls from the same business from different regions of South Carolina including XXXX, XXXX, and XXXX, they are all the same business just a different store. Such as the phone call I received from XXXX. When I back-traced the phone number, it comes back to a sister company of the same business. This call was from XX/XX/XXXX at XXXX XXXX.
XX/XX/XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX, SC XX/XX/XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX, SC XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX, SC XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX, SC XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX, SC XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX - from another phone number XX/XX/XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXXXXXX XXXX ( XXXX ) XXXX As can be seen from above, this business clearly has a problem with telling time. This company is now calling my previous work number on a daily basis, they are consistently told that I no longer work in that department but still call. This company is also calling on the pretense of being a long, lost friend wanting to reconnect. I don't have any long-lost friends.
I have taken another step in the process to have my phone number changed to one that is not known but to close family and friends. This was changed from a phone number that I had for over 13 years.
Company Response: Closed with non-monetary relief
2018-05-01
Taft, 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
2018-04-30
Hillside, NJ
Problem when making payments
Payday loan, title loan, or personal loan: Personal line of credit
Company Response: Closed with explanation
2018-04-30
Town Center, NJ
Written notification about debt
Debt collection: Auto debt
Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief
2018-04-30
WA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was already discharged in bankruptcy and is no longer owed
Complaint: On or about XX/XX/XXXX, my wife and I took out a loan from One Main financial in the amount of {$7500.00}. At all times until XX/XX/XXXX payments were made on time. On XX/XX/XXXXa bankruptcy was filed in the United States Bankruptcy Court of XXXX Washington. The case number was XXXX Both XXXX and XXXX XXXX were included in the bankruptcy and One Main Financial was notified of the filing. Despite this, One Main continued to draft the monthly payment out of our account until XX/XX/XXXX. At that time, they were notified they were in breach of the bankruptcy automatic stay. On XX/XX/XXXX, the bankruptcy case was completed and a discharge order was issued.
On or aboutXX/XX/XXXX One Main Financial reported on both XXXX and XXXX XXXX 's credit report that the account was 90 days past due and a balance was still owed. This is in clear violation of the bankruptcy discharge and is a violation of federal law.
Company Response: Closed with non-monetary relief