ONEMAIN FINANCIAL HOLDINGS, LLC

2017-05-17

Champaign, IL

Getting a line of credit

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

Company Response: Closed with explanation

Timely Response

2017-05-17

Oxford, GA

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: On XXXX XXXX , 2017 a hard inquiry was placed on my XXXX credit report by One Main. I called and requested them to have it removed but it is still there.
Company Response: Closed with explanation

Timely Response

2017-05-17

Lewisville, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Complaint against : One Main Financial & Debt CollectorXXXX XXXX, Attorney At Law, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX ( XXXX ) XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX On XX/XX/XXXX, I noticed an error on my XXXX credit report. An erroneous bad debt was noted for One Main Financial for approximately {$8000.00}. I immediately submitted an online dispute of the charge and it was subsequently removed. I received no other notification at that point. XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX Debt relief attorneys offering their services for a " Register of Actions '' filed with the XXXX County, Texas Court with Judicial Officer XXXX XXXX. The " copy '' of the Register of Action referred to case no. XXXX. It stated it was Plaintiff 's Original Petition for Discovery and stated that I was cited, but unserved on XX/XX/XXXX. No additional information regarding my account was in this copy of the " action. '' The plaintiff attorney was listed as XXXX XXXX at the address above. Suspicious of the advertisement for XXXX 's services, but alarmed, I contacted the Plaintiff attorney listed as XXXX XXXX at ( XXXX ) XXXX. I provided the Case number on the document I received and was told no one could locate my information and I needed a " file number. '' I told them I had no file number, but that it was regarding a One Main Financial account. I made multiple attempts to reach a different person at their organization that could help me, to no avail. I provided my name and all other pertinent information. I SPECIFICALLY ASKED MULTIPLE TIMES FOR PROOF OF MY DEBT AND/OR A COPY OF THE LOAN AGREEMENT I SUPPOSEDLY SIGNED. They said they had no file for me. I thought it very suspicious that they were suing me, but could n't locate any information about me. I then called One Main Financial multiple times over the course of several days. I had an account in the past with them that was assumed by my former spouse as a part of our divorce settlement. My ex-wife had said that the account was paid off. I provided all of this information to the One Main Financial representative. She did find an account under my name, but said that they no longer had it and provided me the toll free number for the XXXX attorney. I asked her for a copy of the loan agreement for the loan with their company or a file number associated with my account. She said she could n't help me and to call the attorney. Alas, she could provide me no details about the account at all and simply referred me to the attorney. I contacted the attorney again who asked for my file number and said they could n't help me without it. At this point I assumed that this was not a valid attempt to collect a debt and that it must be a clerical issue. I based this on the fact that the disputed record was removed from my credit report with XXXX and neither One Main Financial or the collection attorney could provide me with any information or even show they had a record of my account. XX/XX/XXXX : At XXXX XXXX. a gentleman with no official identification or apparent association with any law enforcement or legal agency came to my home and " served '' me with a citation regarding Cause No. XXXX XXXX One Main Financial Group, LLC Vs. my name. The man represented himself only as a courier and none of the documentation I received identified him. The document had a handwritten date written and crossed out and then that date written in. The citation gave notice of a lawsuit filed with XXXX XXXX , County Clerk, XXXX, TX. XXXX XXXX XXXX XXXX XXXX. The notice lacked the official stamped seal and did n't look official and was not served to me in the manner expected of a legal notice. It stated that I have 20 days to respond to the discovery request on the front page, but says 50 days inside. Also, it states that exhibit A is a copy of a loan agreement. I was not provided with a copy of this document and, furthermore, I have requested it multiple times and was told it could n't be provided. I am aware of my rights to receive proof of this debt. Facts : I obtained a loan from One Main Financial approximately 8 years ago. My account was open at the time of my divorce on XX/XX/XXXX. In my decree, my ex-wife assumed responsibility for the account balance of {$2500.00}. She also assumed rights to our home that was currently financed and deeded in my name only. She was given 12 months to get the home in her name. She was provided a limited power of attorney to conduct business necessary to get the home in her name. I was told that the One Main Financial account had been paid. The home ownership transfer was completed in XX/XX/XXXX. She stated to me that she had to take out a loan to buy new carpet for the house. She did n't provide any details or information. I made no assumption that this would have been in my name as our divorce was final and she had assumed all rights and responsibilities associated with our home. I think the personal loan we had through One Main Financial may have had a lien associated with our home, but this was all left to her responsibility. The limited power of attorney she had was limited to use for transfer of the home. It would not have included extending or acquiring any debts in my name. I share this information because I have reason to believe that the account in question may have fraudulently been extended without my knowledge, authorization or signature. My ex-wife has dismissed any requests I have made for information. In the information provided to the court by One Main Financial, it states that I entered into a contract with them on XX/XX/XXXX for a credit. They have been unable to provide an account number for this loan. They state that a payment was made on XX/XX/XXXX and then defaulted. They also state that the account was closed unpaid on XX/XX/XXXX. I have not received any correspondence from the creditor or collector until the XX/XX/XXXX solicitation from XXXX mentioned above. I am not responsible for this debt. This debt collector ( XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ) is using threatening tactics to attempt to extort money from me without providing any proof that it belongs to me. They have not been able to provide any information whatsoever regarding this debt. Either it is a bookkeeping error on the creditor 's part or the debt was incurred fraudulently in my name by the loan originator and/or my ex spouse. She has not been willing to share any information to assist me in clearing up this issue. She simply states that it was paid. I would like to dispute this debt. I am filing a complaint with the XXXX XXXX Police Dept in XXXX XXXX TX against the loan originator and my former spouse alleging identity theft and fraud. I believe the limited power of attorney could have been used beyond its authorization and her signature on my behalf would be void, the loan originator and my ex spouse colluded in defrauding One Main Financial, or the loan has been paid and the basis for collection is false. The dates associated with the loan provided to the County Court seem to align with the dates of the transfer of my home to my former spouse. This does raise my suspicion as to the circumstances. It could be construed that the amounts would seem to align with the payment of the previous balance assumed by her in our divorce decree with an extension and additional loan to cover the cost of the flooring required by the lender for her to get the loan for the house in her name. The dates of this contract are 12 months after our divorce was final. I would like to receive proof of the debt : 1. Specifically a copy of my signature on the loan agreement dated XX/XX/XXXX. I absolutely was not a party to this contract and any signature was made fraudulently via outright forgery or was made outside the parameters of the authority of an authorizations made to my former spouse. At this point I am really just conjecturing as to all of this because One Main Financial and the attorney have not been able to provide me any information of any kind including account numbers or even the information provided in the legal notice. The very people they say to call ca n't even find my information. 2. I would like to receive proof that the funds were ever distributed. I did not receive the proceeds of the loan in question. The loan originator should be able to determine to whom they were released and ascertain that they were not provided to me or anyone on my behalf. I appreciate your assistance in clearing up this issue. I intend to provide a copy of this complaint to the XXXX XXXX Police Department alleging fraud, to the FTC for potential identity theft, will copy the Attorney and One Main Financial, and all of this will be provided to the XXXX County, TX County Clerk. I will also be notifying all XXXX major credit reporting agencies of this error and potential identity theft and fraud.
Company Response: Closed with explanation

Timely Response

2017-05-17

Newnan, 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: XXXX / XXXX / 16 Called credit bureau to try to have inquiries removed
Company Response: Closed with explanation

Timely Response

2017-05-16

Montgomery, AL

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 am writing you in the wake of the pain and suffering I am having to currently endure from a debt owed to account # XXXX that is owned by the entity Onemain, to whom is seeking collection of a debt of {$8400.00} this was placed on my credit report and consumer files and was confirmed via fax, phone, and mail that They are the responsible party for placing this on my credit bureau files that I do not have any knowledge of and did not authorize. I was not made aware of account # XXXX until my most recent attempt to make a purchase that required a credit pull in XXXX of XXXX , and " unfortunately '' the presence of this account that I have no knowledge of or contractual agreement with, derailed years of planning, and me waiting for the right time and the perfect opportunity to make a life changing move is temporarily being held up in the wake of a debt being owed to account # XXXX that is in my name and has been done without my authorization. I Was wanting to know how did I go from being protected by the FCRA, Federal Trade Commission, and Consumer Financial Protection bureau to this company attempting to destroymy life. What happened to me is something that the federal trade commission was founded on and that 's protection from a coercive monopoly. What happened to me was like a Brotherhood ( Monopoly ) . When my mortgage lender told me to pay on a bill that I had no knowledge of, they knew it was going to awaken that debt. That 'll I is nothing more than a brotherhood ... We wo n't lend you money ( For this home ) until you go pay my brother over there to whom the books say you owe money. They knew it was going to knock me into underwriting which was an excuse to find out all of my busine ss ( information ), only to be told two little simple oversight bc I looked XXXX good on paper besides this, paid a light b ill one time too late after the alllowed 2 yes three .... only bc I made an arrangement 3 times. And my car note was late 2 times within a 24 month period and those 2 months were during the divorce where I had no place to stay and I fell behind. They tell me in the en d what really stopped me was my 2nd job has n't been completed for two years and I am supposed to reach those two years XXXX XXXX ... .. this was and still is a nightmare. They are hurting me as we speak and I am outraged because if my credit score w ould have been good where it was a XXXX they would have not required to look at my information. They do n't underwrite rich people with perfect credit scores, so all that was was a trick to get my information. I am still in personal injury as we speak because XXXX XXXX rent increases by XXXX because we did n't renew the lease because the home we put a bid on was taken away by the actions of this company that we were supposed to move in on XXXX XXXX ironically the same date of my 2 year anniversary of my second job I 've been working only to make a move to purchase this home with. I had a 24 month plan that was derailed by this company and the monopolistic activities that led up to it. Please contact me bc I nore any American citizen who pays his or her taxes that help promote companies like the BBB the FCRA and the FTC should have to endure a halt of this nature inhibiting their right to social economic advancement. I 've lost money behind this, and I am currently in pain and suffering bc I w ork two jobs and I do n't have the time to look for a rental property and my daughter is in daycare and I am always on the move and I have right at two weeks before even more money has to come out of my pocket. I had to sell the home inspection realease papers to the person who actually got the home that I was in line to move in on XXXX XXXX what a life right. I needed the money but how should I feel about this you guys tell me. Nobody deserves this I do n't care what they 've done in life. We all try to rebuild from our past and my divorce was horrible and I bounced back and this company personally injured me. My investment of {$120000.00} investment was lost, and I lost {$3200.00} in cash money binders, paying down credit cards, and home inspection .... THIS ON SO MANY LEVELS IS NOT RIGHT HELP ME PLEASE!!!!!!!!!
Company Response: Closed with explanation

Timely Response

2017-05-16

Ankeny, IA

Was approved for a loan, but didn't receive money

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

Company Response: Closed with explanation

Timely Response

2017-05-16

Frazier Park, CA

Problem with a company's investigation into an existing issue

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

Their investigation did not fix an error on your report
Complaint: Company has reported XXXX separate charge- offs, instead of the single falied charge off t hat occured. Compan y has failed to delete tradelinre in its entirety upon sale to collection agency, in violation of double and multiple jeopardy provisions of applicble law, including the FCRA and other state and federal law. Reporting has obstructed payment of this and other accounts.
Company Response: Closed with explanation

Timely Response

2017-05-15

Southern Pnes, NC

Problem with the payoff process at the end of the loan

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

Company Response: Closed with explanation

Timely Response

2017-05-13

Cols, GA

Credit monitoring or identity theft protection services

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

Received unwanted marketing or advertising
Company Response: Closed with explanation

Timely Response

2017-05-12

Library, PA

Getting the loan

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

Complaint: On XXXX , my mother, XXXX XXXX , was approved for a loan with OneMain Financia XXXX . The amount of the loan was approximately {$15000.00}. My mother was XXXX XXXX XXXX at the time of application and was advised the use her vehicle to secure the loan. This was done even though at the time she was not eligible for credit life insurance due to the lender 's choice of insurance provider. My mother passed away on XXXX with no assets other than her vehicle. My family and I needed to find a buyer for the vehicle to cover funeral expenses as my mother was on a fixed income. The title is encumbered by a lien from the lender. I have had XXXX of Attorney on my mother 's banking matters since XXXX due to physical and mental health issues. We asked the lender why she was not offered insurance and were advised that they do not cover borrowers XXXX and over, which itself seems to be a discriminatory practice. The vehicle is only worth {$5500.00} per XXXX XXXX XXXX value. I have attempted to discuss the issue with the XXXX office who suggested repossession even though my family and I have not yet had time to discuss what to do with this account or the vehicle and the account is not delinquent. This appears to be an issue of predatory lending and exploitation of an elderly and vulnerable adult. We would like to ask you assistance in requesting the lender to release the lien on the vehicle so that our buyer XXXX purchase the car allowing us to cover the needed funeral expenses.
Company Response: Closed with explanation

Timely Response

2017-05-11

Lakewood Village, TX

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Company Response: Closed with explanation

Timely Response

2017-05-10

Jersey City, NJ

Getting a line of credit

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

Complaint: On XXXX / XXXX / 2016 I had a XXXX XXXX " very good '' rating and was eligible for a pre-approved loan in the amount of {$5000.00} with XXXX XXXX XXXX through the 3rd party websit e ( XXXX ). While I understand that a Pre-approval does not guarantee approval of the loan, I applied for the loan d ue to my confidence of believing that I would be approved. As expected, I immediately received an email directly fro m One Main Financial stating that I was indeed approved for the loan and that a loan specialist would contact me soon. After waiting 10 minutes, a call was made to me but was immediately disconnected before a conversation began. I then contacted One Main Financial concerning the loan and was told by the representative that she needed more information and I would have to re-appply with her over the phone ; although I told her that I was already approved with the email confirmation as proof. After providing the representative with all of my personal information, I was then told that I was denied of the loan and a hard inquiry was reported to the credit bureaus and has placed in my credit report since. This is false, confusing, misleading and deceptive advertising/marketing. Without exaggeration, this loan was needed for several reasons. One reas on was to bury my deceased uncle and I have the death certificate to backup and verify such statement. The undue hardship and mental anguish this has caused me is indescribable. Knowing that my approved loan was taken away without reason or cause left me in a state of XXXX . This has aff ected my credit tremendously and makes me to appear more risky to creditors and lenders. Creditors and Lenders are have been and are still looking at my report and wondering why a history of line of credit with One Main Financial is n't in my report since my hard inquiry is less than a year old. Please see the attached docum ent showing that the email was sent to me letting me know I was indeed approved of the loan.
Company Response: Closed with explanation

Timely Response

2017-05-10

WI

Getting the loan

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

Complaint: I was approved online for a loan through OneMain Financial for {$12000.00} XXXX unsecured ) or {$15000.00} ( secured by auto ) to purchase construction equipment for my personal use ( attachment 1 ). I later discussed the loan over the phone with XXXX employees who contacted me about the loan XXXX XXXX and XXXX at bank phone XXXX ). I was told the financial institution did not make equipment loans, but that I could refinance XXXX of my cars and received {$9000.00} in addition to pay for the equipment. I told them I was not interested in their loan since it did not accomplish what I wanted and I felt the interest rate th ey quoted was too high. A few days later, I was notified online that my loan application had been denied ( attachment 2 ). An attachment to this denial was my credit report with several boxes checked indicating why I was " denied '' ( not attached due to personal information ).
Company Response: Closed with explanation

Timely Response

2017-05-09

NJ

Threatened to contact someone or share information improperly

Debt collection: Payday loan debt

Talked to a third-party about your debt
Complaint: I was frequently solicited by mail from One Main Financial. The advertisement 's were usually offering same day loans of {$10000.00}. I would take XXXX loans from them from and pay them off immediately as the interest rates are in the are of 27-29 %. The third loan I took from the company was in 2013 and would be for {$5000.00}. I paid XXXX XXXX of the {$5000.00} immediately and this covered my monthly payments from XXXX to XXXX . In XXXX I would go a few days without phone service after my cell phone broke. My loan was not even a month past due and One Main representatives called my Mother, Uncle and my job and discussed the debt in detail with my relatives. This being a direct assault on my privacy rights as a consumer I phoned them and told them they what they had done and responded by telling me I have done this to myself. I refused to pay after this violation of my rights and personal damage done to my personal relationships and One Main is attempting to sue me for the amount past due plus {$460.00} in interest. These predatory lenders are unjust in their practices and in complete violation of The Fair Debt Collection Practices. I previously worked as a collection agent and am appalled at their tactics and would never discuss a debt to someone other than the debtor much less for a payment less than three months past due.
Company Response: Closed with explanation

Timely Response

2017-05-09

Madison, AL

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

2017-05-05

Natrona Hts, PA

Problem when making payments

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

Company Response: Closed with explanation

Timely Response

2017-05-05

Saratoga, CA

Incorrect information on your report

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

Personal information incorrect
Company Response: Closed with explanation

Timely Response

2017-05-03

Campton Hills, IL

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-05-03

Las Vegas, NV

Written notification about debt

Debt collection: Other debt

Notification didn't disclose it was an attempt to collect a debt
Company Response: Closed with explanation

Timely Response

2017-05-03

Passyunk, PA

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2017-05-03

Brooklyn, NY

Incorrect information on your report

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

Information belongs to someone else
Complaint: One Main Financial ha s incorrect hard inquiries on both my XXXX and XXXX credit reports. They are showing inquires from X/X/16 . Inquiries that I did not authorize . One main financial has sent me a letter on XXXX stating that they do not see hard inquiries on those XXXX reports even though I sent them a copy of both reports. I do not know what one main financial is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my XXXX and XXXX report. The inquiry date is X/X/16
Company Response: Closed with explanation

Timely Response

2017-05-03

Brooklyn, NY

Incorrect information on your report

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

Information belongs to someone else
Complaint: One Main Financial ha s incorrect hard inquiries on both my XXXX and XXXX credit reports. They are showing inquires from XXXX / XXXX / XXXX . Inquiries that I did not authorize. One m ain financial has sent me a letter on XXXX stating that they do not see hard inquiries on those XXXX reports even though I sent them a copy of both reports. I do not know wha t one main financial is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my XXXX and XXXX report. The inquiry date is XXXX / XXXX / XXXX
Company Response: Closed with explanation

Timely Response

2017-05-03

Cambridge, OH

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2017-05-02

Greenville, SC

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem with paying off the loan
Company Response: Closed with explanation

Timely Response

2017-05-02

Vineland, CO

Attempts to collect debt not owed

Debt collection: I do not know

Debt was already discharged in bankruptcy and is no longer owed
Complaint: I contacted XXXX XXXX XXXX . XXXX option XXXX . Spoke to XXXX regarding a lien that is on my home. The debt was in BK. I explained by BK was released in XXXX XXXX and I should no longer have a lien on my home. She said she had to look into it and would go from there. XXXX I called back and spoke to XXXX and she stated they did find the BK was released and they would file the lien release. She would not give me a time frame as I asked if they could provide me with a copy. XXXX I called again she stated there were not updates and not copy yet. XXXX Called and still no updated per XXXX . XXXX XXXX stated still no updates. XXXX I spoke with XXXX said no updates. I asked to speak with a manager and she sent me to a voicemail. I told her I am trying to get my home refinanced because I am paying a high interest rate and this was the only thing holding us up. I asked her is there anybody I can speak to that could possibly rush this as this should have been done a year ago. That is when she said the manager was a lunch and sent me to voicemail. I did not get a return call. X/27 My husband called first she stated no updates he too asked for the manager and she said she was at lunch. She then state oh an update just showed up. Gave him a tracking number. XXXX I called again no updates and said the tracking was for when the lien was issued but she could n't give a time frame. I told her I 've been calling since XXXX and I have not been successful in getting any information. I told her they should have done this many months ago and asked why her manager has not called me back. She said she did not know and that the process is a long process. I told her I would have to get a lawyer involved if they did not get this done as they are messing with the future of my home. She said get your lawyer as if she did n't care. I really feel as if I am getting the run around and I have been kind and patient about it. Never became irate I thanked her for her help and told her I understood none of this was her fault but that I was frustrated. I need some help. I do n't know what more to do. I am paying 9.75 % in interest on my home and my husbands bank is getting it down to 3.75. I have kids and would like to get my mortgage down. I 've been overpaying for many years.
Company Response: Closed with explanation

Timely Response