ONEMAIN FINANCIAL HOLDINGS, LLC

2016-11-12

NC

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: OneMain said they would turn my account over to an attorney and threatening to sue me. This is my second complaint on this company. XXXX for calling me at work and getting me in trouble and now threatening to sue me.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-11

Carlisle, PA

Improper contact or sharing of info

Debt collection: Other (i.e. phone, health club, etc.)

Talked to a third party about my debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-10

Ardmore, MD

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-09

Evanston, IL

Can't contact lender

Payday loan:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-09

Jacksonville, FL

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I paid off my loan on XX/XX/2016 and have been waiting since then for an overage payment refund of approximately {$45.00}. I have made several calls to the branch and corporate office, and have gotten nowhere.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-08

Berkeley Lake, GA

Shopping for a loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-08

Richmond, TX

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-07

Fred, VA

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: I have a personal loan with One Main Financial which I have been paying on time for the past 2 and a half years. Recently I have had some issues due to medical reasons that have caused me to have to pay a week or 2 later than the due date. If I have to postpone a payment I will set up my payment on line through their website according to my budget each week. So even if it 's a week or 2 late, the payment is still scheduled. There is a girl named XXXX that will call me at work and home when I schedule a late payment. The last time I spoke with her when I was in the office ( XX/XX/XXXX or XXXX? of 2016 ) I told her she could not call me at work anymore. They are getting upset with all the calls. She would call everyday, sometimes 2 times a day. After that conversation, she continued to call. And again, sometimes twice from what my colleague at work tells me. I have logged all the times she has called if needed. I also mailed a written request to not call my work number in the future. She still calls. I understand they are concerned about receiving their payments, and I have never been 30 days late, and if they pay attention to their own website they know when I schedule my payment. I understand that if I pay late, I have to pay the late fees etc. And I do. The last conversation I had with her was borderline harassment. She was insistent that I come in and sign a paper for a deferment. I was 15 days late? I told her there was no need. I will pay the late fees. She did n't seem to like that answer. So I get a letter in the mail to sign for a deferment. Which I tore up. I do n't mind if she calls me at home, she can leave a message anytime. But I do n't want to be harassed any longer. The company I work for is getting tired of answering personal phone calls everyday and sometimes twice a day. She could make me lose my job.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-05

Atl, GA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-04

Nyc, NY

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: Someone has applied for credit many times through multiple creditors causing the amount of inquiries to decrease my credit score. The only credit I have applied for was a XXXX XXXX Credit card and a mortgage through XXXX XXXX. The amount of inquiries has damaged my score so much It is making it difficult for me to finance my home.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-04

N Monmouth, ME

Taking out the loan or lease

Consumer Loan: Installment loan

Complaint: When we filled out the loan paperwork they made us sign up for products and services we could not use -- homeowner 's and car insurance though we do n't own a home or car. They put my income as " Unemployment '' on the loan application even though we gave them our Social Security award letters as proof of income. They did not tell us our Social Security benefits are non-attachable income and that we could not afford the loan.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-02

Strasburg, VA

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I have a loan with One Main Financial, which I will never do again. When I paid in XX/XX/2016, the amount due said {$200.00}. This is a cause I overpaid in XXXX so my payment due was less than the regular amount. That payment cleared but within a week my account showed a past due amount of almost {$600.00}. I have asked repeatedly for something to be sent in writing explaining this drastic shift. I have received nothing. Suddenly my account shows a returned payment from XX/XX/2016, two months prior. This makes no sense. Further, I have told One Main to cease all calls to my work, as I am not permitted to have them call my work number, and they continue to call. I will receive a call and voicemail on my work number and, within minutes, a call and voicemail to my mobile. Why they keep calling my work number when they have been told to cease, I can not say, but there was a time that they would ONLY call my work number and not my mobile. They have also called my employer 's main number, a number they were NEVER provided, instead of calling my direct line. Since last telling them to cease calling my work number, which was approximately two weeks ago, or less, I have received no less than seventeen to twenty calls and voicemails to my work number. This is not the only time I 've told them to stop contacting my work number, but they are rapidly nearing the end of my rope. I feel that their loans are predatory and that they are now harassing me with their incessant calls, ignoring the information that I have asked be sent to my mailing address, and calling a number that I have told them to STOP calling daily, including Saturdays. This needs to stop.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-01

Brooklyn, NY

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-01

Kansas City, MO

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-31

Valley Glen, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Company Response: Closed

Disputed: No Timely Response

2016-10-31

Collinsville, IL

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-31

Grayson, GA

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-29

Tunnel Hill, IL

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-28

Santa Ysabel, CA

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I sent a letter to ONE MAIN FINANCIAL regarding an inaccuracy on my credit report, account number XXXX. They received and signed for the letter on XXXX XXXX, 2016 ( I attached the return receipt ). They violated federal law by not placing " notice of dispute '' on my account within 30 days of my dispute ( I attached my credit report as well, please see pages XXXX & XXXX for the reporting from ONE MAIN ).
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-27

Austin, TX

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-27

Akron, OH

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I took a loan out for {$3600.00}. My bank deposited the check in another 's persons account. Once they corrected the problem I had lost out for the reason I needed the money for ... So I repayed the {$3600.00} before the first due date ... Now the institution I borrowed the money from says I owe them {$340.00} by XXXX ... that 's only 7 days they have me to pay the {$340.00} when I just payed {$3600.00}
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-26

Marietta, GA

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed

Disputed: No Timely Response

2016-10-26

Omaha, NE

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-26

Los Indios, TX

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

Called after sent written cease of comm
Complaint: I 'm being harassed by phone, and emails on a daily basis, I get between 4 to 7 calls a day. I have asked branch manager XXXX to stop calling multiple times, but calls keep coming. I try to answer all calls but they been using harassing and threating language. I sent a written request to stop calls but I was told that they have all the right to continue calling. they have called some of my relatives as well on multiple occasions. I have proof of all the calls, voicemails, and emails that I have received. my payment has never been late for more than thirty days. Manager XXXX XXXX claims that they 're not a collection agency, therefore I cant stop the calls, but the emails I receive claim that they 're a debt collector and they 're trying to collect a debt.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-25

Palos Park, IL

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Complaint: I sent Springleaf financial a certified letter on XXXX XXXX, 2016 asking them to provide verification that a debt listed on my credit report is mine ( signature, etc. ) The company did not respond. After the 30 day time limit passed, I sent another certified letter on XXXX XXXX, 2016 and requested that the item be removed from my report because they failed to provide proof within the 30 days which the law states.
Company Response: Closed with explanation

Disputed: Yes Timely Response