ONEMAIN FINANCIAL HOLDINGS, LLC

2017-09-06

Buffalo, NY

Getting the loan

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

Company Response: Closed with explanation

Timely Response

2017-09-06

Kings Ferry, NY

Charged fees or interest you didn't expect

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

Company Response: Closed with explanation

Timely Response

2017-09-05

Canton, OH

Struggling to pay your loan

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

Company Response: Closed with non-monetary relief

Timely Response

2017-09-05

Rialto, CA

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

2017-09-04

Ehrhardt, SC

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-09-03

Newport, TN

Problem with the payoff process at the end of the loan

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

Complaint: My mother and I jointly obtained a loan from XXXX XXXX XXXX Mortgage on XXXX/XXXX/XXXX in the amount of {$6100.00}. I stopped by their office and the lady was very rude stating " It left my office this morning and I could not offer life insurance on your mother ''. She kept my mothers XXXX certificate although she said she could not offer my mother life insurance for this loan. I think that was age discrimination and a joint account means two incomes had to be provided plus my mother putting her car up for collateral. I do not think this company is treating me fairly and they keep reporting to my credit bureaus. My mothers car is available and she should have been offered life insurance on this loan. I am XXXX and only draw a little over {$800.00} dollars that is why they had to have two incomes and collateral. They have had my mother sign contradicting letters and it seems that they twist things around to make them look good and collect the money. The pay off on this loan is over {$10000.00} with the interest. That is more than I make in a year. Can you please help me deal with this company that has cheated and twisted things around so much? Thank you very much and God Bless.
Company Response: Closed with explanation

Timely Response

2017-09-01

Elizabethton, TN

Received a loan you didn't apply for

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

Company Response: Closed with explanation

Timely Response

2017-09-01

Jacksonville, FL

Getting the loan

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

Complaint: On XXXX XXXX, 2017, I applied for a personal loan through XXXX XXXX XXXX. The office in question is at : XXXX XXXX XXXX # XXXX XXXX, FL XXXX. My representative was XXXX XXXX. Included in my application was income from my employer and an adoption subsidy given to me through the state of Florida. One of the demands made by the underwriter, I had to provide the birth certificate and/or court documents of my daughter 's adoption. When I explained I could include proof of payment through bank statements and/or, receipts directly from the agency that submits the subsidy to us via direct deposit, I was told I still had to show proof by birth cert and/or court docs. I further explained that they were requesting not only personal information of a minor ( which I do not believe is legal ), but also of an adopted child, who 's rights are to be protected legally. I was told they needed to determine the child 's age. I asked for what? To determin how long I received the payments. I stated the child is XXXX and it 's until XXXX. I could provide in writing if needed. The underwriter still refused to budge with that explanation. I explained I could not provide any information beyond the DOB and mine and my husband 's name on the birth certificate ( which I sent ), but the underwriter wanted the certificate to show all information or the court docs, which had far more information in them. I would not provide either. My child was once a ward of the state. I advised in no uncertain terms would I provide confidential information that could disclose her new identity. I explained that I was very familiar with the CFPB laws and this was boarding, if not altogether discrimination to me personally and if not out right illegal practice demanding info of a minor. I was offering alternative documentation and it was being refused. I asked if the same documents, such as a birth certificate and/or court documents would be required if the child was mine through birth and I received child support? I was told. because the child was adopted. Again, I explained I am offering proof of payment via receipts. That is all that should be required of me. I explained that neither a doctor or daycare require such personal information. These two institutions would have far more reasons to ask, as it could be needed given what these institutions are. A financial institution needs nothing, beyond payment receipts, written age of the child and an explanation from the state of FL website on how long the subsidy is paid. Personal info on a minor, absolutely not. The loan would not be approved if all documents were n't submitted. I made clear this was discrimination, refused the loan. Had my child been mine by birth, these documents would not have been required. So mothers, who come to this company, and have adopted have to prove their children are theirs in order to obtain a loan? Seriously? In addition to this clear discrimination ... Why is a financial institution demanding personal information of a minor? What are they doing with this information if given by other customers? How is it protected?
Company Response: Closed with explanation

Timely Response

2017-08-31

Dallas, 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 reviewed my credit report and noticed my credit was pulled by One Main. I did not authorize this pull nor have I received any services from this company.
Company Response: Closed with explanation

Timely Response

2017-08-31

VA

Problem when making payments

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

Complaint: Received 4 phone calls whenever a 3 hour time-frame and from various telephone numbers. No messages were left. Repeated asked that they do not call my place of employment. Advised that I am available from after XXXX pm to speak. Repeatedly called before time provided. When speaking over the phone, there is harsh words and vulgar language on their end.
Company Response: Closed with explanation

Timely Response

2017-08-30

Florence, AL

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

2017-08-30

East Liberty, 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

Timely Response

2017-08-30

Blackbird, DE

Charged fees or interest you didn't expect

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

Complaint: constant collections calls all day Numerous calls in one Day, its Annoying and Violates the FDCPA on Collection Call Harassment on A Predatory loan imposes unfair or abusive loan terms on a borrower. It is also any practice that convinces a borrower to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions for a loan that a borrower does n't need, does n't want or ca n't afford. LOAN # XXXX
Company Response: Closed with explanation

Timely Response

2017-08-30

Arlington, TX

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2017-08-30

Marion, MT

Getting the loan

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

Complaint: OneMain Financial said I was approved for a personal loan of up to {$6800.00}. Not " pre-approved '' nor " tentatively approved '', but " approved ''! Then they did not honor their promise. This kind of deceptive business practice must stop.
Company Response: Closed with explanation

Timely Response

2017-08-28

Newark, NJ

Incorrect information on your report

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

Information belongs to someone else
Complaint: In XX/XX/XXXX, I requested a copy of my full credit report, that 's when I noticed that they were inquiries on my report that I had not applied for ever. Since this came to my attention I have requested by certified mail onXX/XX/XXXX, from One Main Financial to provide me with copies of any documentation associated with this account bearing my, signature, authorizing an inquiry. Again I sen another certified mail dated onXX/XX/XXXX attempting a final goodwill gesture to allow One Main Financial to contact their erroneous reporting, and they did not do so. I also sent a certified mail to XXXX dated XX/XX/XXXX, and nothing has been done this stills continues to show on my credit report.
Company Response: Closed with explanation

Timely Response

2017-08-26

Vancouver, WA

Charged fees or interest you didn't expect

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

Company Response: Closed with explanation

Timely Response

2017-08-25

Alexandria, VA

Getting the loan

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

Company Response: Closed with explanation

Timely Response

2017-08-24

Bellevue, WA

Charged fees or interest you didn't expect

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

Company Response: Closed with explanation

Timely Response

2017-08-23

Arlington, TN

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2017-08-22

Lanham, MD

Problem with the payoff process at the end of the loan

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

Complaint: I borrowed money for a XXXX with OneMain Financial. If memory serves me correctly the total was approx {$6000.00}. During such time I acquired insurance in case of an emergency in which I did have to use on one occasion. Once I was able to pay again, I made a {$2000.00} payment which put me ahead a little. Just recently I did what I thought was to have paid off the loan. I called the establishment 1st however, they had already closed for the day. Therefore I paid the total amount online using the most recent statement that I had received. I thought I was all done and then I receive another statement requesting an additional {$160.00} payment. I was very upset and I called the branch again and asked for XXXX XXXX XXXX whom is the manager. The representative advised me that he was at another location and that she would forward him my information to call me back so that we can resolve the matter. However, no call and now this affect my credit worthiness according to my credit report. I just want to be done with this. I paid off the loan and this is really not fair.
Company Response: Closed with explanation

Timely Response

2017-08-22

Santa Susana, CA

Charged fees or interest you didn't expect

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

Company Response: Closed with explanation

Timely Response

2017-08-22

Blanchard, LA

Charged fees or interest you didn't expect

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

Company Response: Closed with explanation

Timely Response

2017-08-21

San Antonio, TX

Identity theft protection or other monitoring services

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

Problem canceling credit monitoring or identify theft protection service
Complaint: SinceXX/XX/XXXXhave been reporting ID THEFT ALTERED PERSONAL DATA STEM INTO MY SONS IDENTITY XX/XX/XXXX, XXXX INVESTMENT mass mutual variable ASSOCIATES XXXX TEXAS TAKEN 50/50 SPLIT. FORGED XX/XX/XXXXFROM XXXX XXXX XXXX XXXX FRAUD BY SALE AND TRADE. XX/XX/XXXX XXXX XXXX XXXX XXXX BY TEXT CYBER RAPE. FCC RELEASED MY TV TO XXXX XXXX. 86 AM 16. 86. My reports and complaint began XX/XX/XXXX. My statute ended XX/XX/XXXX .XXXX constantly changing altering my info. Hard inquiries constant with out my permission. Have 4or more person using my SSN Exact matches. XXXX XXXX XXXX Aka XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX fraud add XXXX XXXX XXXX XXXX Texas. XX/XX/XXXX XXXX two. Imy registered business XXXX XXXX XXXX XXXX CA. Sector insurance. XXXX XXXX XXXX XXXX XXXX AMUSEMENT. IN MY CASE STUDY CRINES AGAIBST ME DISCOVERED ABUNDANCE ALTERED FORGED DEEDS CO.-CC RECORDING XXXX, XXXX, XXXX, XXXX XXXX CAD! /TCAD POI : Brokers. XXXX XXXX XXXX AKA. AJ. XXXX XXXX. XXXX XXXX, XXXX XXXXXXXX XXXX.AND XXXX ( XXXX ) Poi : XXXX XXXX. Or XXXX XXXX XXXX. Co worker goodwill Ind. XXXX Discover a fake financial with my SSN personal info. To this day Credit agencies says 1free a year XXXX not access online Deception with XXXX XXXX XXXX. Paid purchase XXXX one week later started double billing. Key holder To my stock apparently extremely equity extreme of violation occurs. On XX/XX/XXXX - XX/XX/XXXX submission reports all federal state city corruption o
Company Response: Closed with explanation

Timely Response

2017-08-21

Succasunna, NJ

Getting the loan

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

Complaint: applied for a loan through XXXX XXXX to one main on XXXX XXXX 2017, received an approval for 2 types of loans. XXXX car and up to XXXX personal. Document says just need to finish up bring your check book to One Main in XXXX, NJ. I get a call on Monday asking for different information saying that was a pre-approval. The letter is not it clearly states approved. they take additional information say it needs to go to underwriting and they will get back to me by the end of the business day. 10 minutes before they close I call and they said oh it just came out sorry we cant due to a bankruptcy that was discharged 7 years ago and open judgements, Mind you I pulled my credit today and have 1 judgement that is paid in full that I am waiting for it to come off. The information they gave me today is the same nonsense they gave me back in XXXX when I applied. I have attached the first letter from XXXX showing I had to provide more information and then was denied. I have also provided the letter from the XXXX stating approved and nothing saying otherwise.it states bring your things and we will fund same day. this is bogus false advertising and i 'm being discriminated against because someone did n't do their job right today and looked at the old denial possibly. big difference in letters and they are not looking at my credit from the 3 major bureaus who only how the one judgement
Company Response: Closed with explanation

Timely Response