ONEMAIN FINANCIAL HOLDINGS, LLC

2017-12-05

Littleville, AL

Problem with additional add-on products or services

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

Complaint: I opened this loan I think at the beginning of the year or end of last year. I have been a loyal customer they do n't have to call me about a payment l pay when its due or a day later. The way I have been treated since i lost my job on XXXX is pure ridiculous and hurtful. The have customer they have to call every month because they are always behind. When I got this loan i was ASSURED it had employment loss coverage. I called on yesterday to put that into affect only to be told I was lied to and the one they added was XXXX. Well that I would never need and I did not ask for it. But I did ensure that I had the employment loss and i was told multiply times I did. Which was a lie. I was told that I can get my money back for that which would be prorated Okay fine. I was told they did not have the employment check although i told them that was what i needed because I had faced a layoff before and you never know what can happen in the future I was assured that it would cover all loss of employment. The branch when calling today was point blank rude. How do you treat your good customers like this? This turns a good customer into a bad one with rude workers. I need this resolved.
Company Response: Closed with explanation

Timely Response

2017-12-04

OH

Getting the loan

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

Complaint: I already have an account with one main. I was approved for XXXX. They paid off my car in which I only owed {$680.00}. I received a check for the remaining balance which was almost a {$1000.00}. I was charged an additional {$2200.00} with fees and interest and my total pay back is {$4000.00}. Every 60 days they send me a loan offer saying I am eligible for an additional amount. XX/X/17 I had 3 offers with different pay back amounts and different loan amounts. I was denied due to having to many things in my name which are my student loans for me and my daughter. I am obtaining my XXXX so I will be in school for 4 more years and my daughter still has another year. I worked for a XXXX XXXX for over 10 years and I have a XXXX certificate so my loans will be deleted once I have completed my studies. Some of my loans have already been deleted due to the schools not being accredited and closed down. So every time they run my credit, it drops my scores. I have asked them several times not to send me these loans by mail, email or on my account. The site says Guaranteed if you already have an account but its not true. They have you apply then bring your credit score down at least by 25-30 points! your score decreases a lot when you apply for their loans. I informed them their payback is ridiculous and it is a rip off. For a {$1700.00} you have to pay back almost {$3000.00} so you are stuck fr a few years paying them back. I had an emergency and needed the money at the time but when I signed my paperwork with them while they were still Springleaf, my paperwork stated my payback was {$200.00}. When I tried to go back i to their electronic system to pull up my paperwork, it was changed. I argued this fact for months and filed complaints but no one ever addressed the issue and I only received the papers that were changed. Now I am stuck paying off a car that should have been paid off months ago because they are guilty of predatory lending. The get you excited to receive this loan that they are not going to give you and ruin your credit. I asked them why do you all keep sending me this info saying I am conditionally approved. This is totally a rip off and a scam.
Company Response: Closed with explanation

Timely Response

2017-12-04

NJ

Struggling to pay your loan

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

Complaint: The reason I am emailing you is because I wanted to ask you some questions or maybe you know someone that can assist me. In XXXX my husband and I took out a loan with one main financial, not knowing the torment that would follow. Now normally I dealt with a lovely women named XXXX XXXX ; whom when I began having income issues due to being out of work because of injuries i got at work, tried to assist me as best as she could. Unfortunately XXXX no longer works there and although they are fully aware of my financial burden they continue to harass me. Calling all day long, threatening me, bullying me, they even have began to call my husband 's job on nivember XXXX, XXXX speaking to unauthorized personnel and faxing papers to them. The person the fax is addressed to is for one not human resources and two not authorized to release my husband 's information. They also called and spoke to this person asking all kinds of questions. I spoke to XXXX whos last name i have been refused and also sent the faxesand informed him he was not to contact my husband 's place of business prior to this. I have had multiple issues with this gentleman, in the end of XXXX the XXXX i believe he called me and stated that if I paid them I believe {$56.00} that he would lower my payments to XXXX $ a month. Now XXXX XXXX, XXXX he called demanding I pay him XXXX $ but they 'll settle for XXXX. When I told him that is not what he told me he began arguing that this is not how it works. I must pay what i owe or hes going to call his lawyer and garnish my hudbands pay, etc. Changing everything he told me and i pointed out that if i knew this was going to happen i wouldnt have allowed him to take that extra money, that I did not have. I was reduced to tears explaining that I can barely feed my family and the amount he is asking for is too high I can pay partial payments but I ca n't afford that amount. I now have my second eviction notice arriving. That is when the threats began and now I do n't know what to do. I also told him I can not currently get a job because I 'm XXXX and due in a few months but once I 'm working I would resume normal payments. I ca n't sleep and I listen all day for a tow truck to take our only means of transportation ( they are not our auto loan carries but that is one of the threats he has told me ) Or I wait for my husband to come home and tell me he got fired due to their harassments. I had to borrow money from his job just to give them the XXXX until i get money from unemployment so he wouldnt harass me that weekendand now I ca n't even feed my family.He also had the audacity after I paid him to say enjoy your XXXX in a smart way knowing he just put me through XXXX. The harassment then resumed on Tuesday XXXX XXXX, XXXX and they have not stopped calling.
Company Response: Closed with explanation

Timely Response

2017-12-04

Austin, TX

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 received another inquiry on my credit report that was not authorized. I am a victim of identity theft. I have a police report number for a report filed with the XXXX Police Department which is : XXXX This inquiry was not authorized by me. I have attached letters from other creditors showing their investigation results.
Company Response: Closed with explanation

Timely Response

2017-12-03

Albuquerque, NM

Getting the loan

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

Complaint: About a year ago I received a letter from OneMain Financial that stated they were offering me a loan up to 10,000 if I was approved for credit. I applied about 6 months ago and was denied being told I need a cosigner. I politely asked to be taken off the mailing list after the manager refused to give me a small loan to rebuild credit. About 3 months later I received another letter telling me they were offering me the same loan again. I sent an email that was very direct and demanded to be removed from the mailing list immediately. I was contacted by email and asked for my address. I was then assured that I would not receive any more mail from this company after I provided that information. Today, XXXX/XXXX/17 I received a letter again stating they were offering me a loan up to {$10000.00}.
Company Response: Closed with explanation

Timely Response

2017-12-02

Galena, OH

Problem with the payoff process at the end of the loan

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

Complaint: my personal loan with one main financial was paid off early XXXX by mariner finance as I needed a slightly larger loan to do home improvements. I sat down with XXXX and called the XXXX XXXX one main financial office, and they faxed the current payoff to marnier. I then signed the loan paperwork with XXXX and XXXX hand delivered the payoff check that day to One main. I just received a bill from one main stating that although I made a large payment i 'm still expected to make my monthly payment and that I still owe {$1700.00} which is clearly impossibly, when I do the math though this would be the total interest I would have been charged if I took the loan with one full term. That is illegal you can not precharge a customer interest. IF the payoff they faxed mariner was not correct then that is on them, they have a responsibility to send a correct payoff at the customers request. This loan needs to marked paid as full, and I better not receive a late fee or incur anymore interest.
Company Response: Closed with explanation

Timely Response

2017-12-01

N Haven, CT

Charged fees or interest you didn't expect

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

Complaint: In XXXX I took a personal loan for {$10000.00} with Springleaf finance which was sold to One Main Finance. My payment was {$220.00} up until XXXX XXXX I was paying additional payment {$75.00} for 12 years. I spoke with One Main to find out why my balance is still {$4800.00}. I was told it was because it was being applied to Finance charge which was never the agreement! Was told that the {$75.00} would be applied to pay this loan. I have never made a late payment. I am XXXX XXXX XXXX veteran think I have be ripped off by both these companies. # XXXX
Company Response: Closed with explanation

Timely Response

2017-12-01

Fayetteville, TN

Struggling to pay your loan

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

Company Response: Closed with explanation

Timely Response

2017-12-01

Mem, TN

Charged fees or interest you didn't expect

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

Complaint: I applied for a loan with this company and the finance charge and interest was not what was stated to me. I have not signed any of the documents electronically. I want them to clarify the {$100000.00} insurance policy and payments made to agency that I was unaware of until I was able to read some of this contract that I have yet to electronically sign. As well as a title of my vehicle for loan, in addition to the {>= $1,000,000} dollar LIFE Insurance policy. Why do I need all of this on me for a {$7000.00} dollar loan? I was charged double finance charge and interest on this loan. This occurred on XXXX XXXX, 2017. I am a XXXX years of age and have been in the military. I just recently retired with 33 years of XXXX and military service. Please advise. I appreciate your time and concern with this matter.
Company Response: Closed with explanation

Timely Response

2017-11-30

AZ

Charged fees or interest you didn't expect

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

Complaint: I opened a paper statement for my One Main Financial personal loan for first time in a while and noticed a Fee for NSF in the amount of {$25.00}. I did n't understand this since all of my payments are direct debit each month and my checking account has overdraft and I had n't received any Past Due notices. I also do not typically open paper statements. But this time I did. The statement looked funny to me because there was reference to the {$25.00} NSF Fee, but my Amount Due and Past Due Amounts were {$0.00} ( Statements Copies Attached ). I went online and reviewed my statements for the past year and the same Fee for NSF in amount of {$25.00} was on the statement for each month in the last year+. I checked with my bank and all payments had cleared. I called the customer service number and the rep, XXXX, indicated that there were no NSF 's on my account. She pulled transaction record back to XXXX XXXX and finally found a Fee. I believe this is the same time-frame that this account, previously Spring Leaf converted to One Main Financial. She said I never paid a Fee from XXXX XXXX, I asked her why my Past Due Amount shows {$0.00} on all my statements. She did not have an answer. I said, lets pay the Fee and it should n't show up next month in Transaction history. We started to process the {$25.00} payment and then she said, she would waive the Fee since I had never had any payment issues since the loan was opened. My concern is that this fee has potentially been included in the interest charges calculation, or possibly in the monthly payment posting amount that gets credited to may account has not been correct and an extra {$25.00} is being charged as Fee versus going against loan principle and/or maybe even caused my APR rate to increase for non payment. I had commented in the past to my spouse that it seemed like the loan balance on this account has n't been going down very fast. This is not clear and concise reporting of Rates and Fees as per UDAAP or Regulation Z. Please take a look. Thanks -- XXXX
Company Response: Closed with explanation

Timely Response

2017-11-30

Etna, OH

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-11-29

New Orleans, LA

Improper use of your report

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

Reporting company used your report improperly
Complaint: Ive contacted the companies and tried to resolve the matter still nothing
Company Response: Closed with explanation

Timely Response

2017-11-29

Canton, MA

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

Timely Response

2017-11-28

Austin, TX

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-11-28

Austin, TX

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-11-28

Coldwater, KY

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2017-11-25

Detroit, MI

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: After reviewing my XXXX credit report I noticed an Inquiry on my report from One Main Financial that was reported on XXXX XXXX, 2017. I personally did not authorize to have One Main Financial review my credit report. I sent them several letters including an Affidavit affirming the veracity of my statement that I DID NOT agree to the inquiry. As well as 3 other letters asking them to remove it. They sent back XXXX generic letters claiming that I inquired for a loan online. I disputed that I did so and they sent me an application that was filed in my name WITHOUT MY SIGNATURE. I am stating that I am a victim of identity theft and they are not even acknowledging my correspondence. I sent them a letter stating that I will be complaining and considering suing them and they still sent me another generic letter about me applying online. I am EXTREMELY UPSET that they are not investigating this matter or removing this inquiry! They are just ignoring my correspondence including an Affadavit signed by a Notary!
Company Response: Closed with explanation

Timely Response

2017-11-22

Benbrook, TX

Struggling to pay your loan

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

Company Response: Closed with explanation

Timely Response

2017-11-22

Gary, IN

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

2017-11-20

Orange Park, FL

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

2017-11-19

Occoquan, VA

Charged fees or interest you didn't expect

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

Complaint: Plaintiff, XXXX XXXX XXXX, states his complaint as follows : Plaintiff is an individual who now resides in XXXX , Virginia . Defendants OneMain Financial Plaintiff entered into a loan agreement with One Main Financial XX/XX/XXXX. The original loan amount was {$10000.00} which was deposited in my XXXX XXXX account on XX/XX/XXXX On XX/XX/XXXX One Main mailed a statement which represented a balance of {$10000.00}. Plaintiff inquired about the {$500.00} increase and was informed that it was not part of the loan To date the account has not been adjusted. As a result, the interest rate ( MAPR ) exceeds the maximum interest under the MLA. COUNT I Violation of Military Lending Act 1. Plaintiff incorporates the previous allegations of his Complaint as if fully set forth herein. 2. Defendants actions as set forth above constitutes violation of the MLA. 3. One Main actions included undisclosed fees which was not verbally expressed to applicant. 4. In addition, One Main actions increased the MAPR over the maximum amount under MLA
Company Response: Closed with explanation

Timely Response

2017-11-19

Clermont, FL

Struggling to pay your loan

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

Complaint: I have tried to work with Springleaf to settle out this charged off debt. My attempts have not been answered. I want to try to settle this debt but I am unable to pay the entire amount that charged off. I even hired a debt management company to help me but they have also been unable to work anything out with Springleaf. I want to make a final attempt to resolve this debt and repay at least some of the money. I do not dispute that this money is rightfully due to Springleaf. I am soon going on XXXX XXXX ( XXXX XXXX for XX/XX/XXXX ) and my husband has been XXXX but we can make payments totaling to {$2500.00} before I am no longer working. I 'd like to offer that amount to settle this account in 3 installments. SPRINGLEAF FINANCIAL XXXX XXXX {$7300.00}
Company Response: Closed with explanation

Timely Response

2017-11-19

Archer, ID

Loan payment wasn't credited to your account

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

Complaint: One main opened a bank account when I sent them a big payment and did not put it on my loan they did make a payment out of that account but never but all of the money on to the loan. Plus I was paying extra on the and they charged me a bank fee of exactly the amount I payed extra instead of putting it on the principle
Company Response: Closed with explanation

Timely Response

2017-11-19

Seneca, SC

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

2017-11-18

Oxford, GA

Unable to get your credit report or credit score

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: A Consent Order Granting Motion To XXXX XXXX for our loan was issued XXXX XXXX, XXXX. As of this date, One Main has not filed a Satisfaction of Mortgage.
Company Response: Closed with explanation

Timely Response