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 71
2016-08-12
Whipple, OH
Problems when you are unable to pay
Consumer Loan: Installment loan
Company Response: Closed with explanation
2016-08-12
Montevallo, AL
Taking out the loan or lease
Consumer Loan: Installment loan
Complaint: Consumer went online and filled out an application after receiving thousands of offers from Springleaf. I was approved for {$2000.00} instead of the requested amount of {$2500.00} and that I should go to a local branch to complete the loan. Right of the bat consumer could feel that the environment was XXXX. Was working with a rep and gave my pay stubs which stated {$110.00} short because I had inputted my gross pay amount and not net which is {$2700.00} -- not {$2900.00}. Rep stated that she tried calling me but received a message about the network ; however I had just moved to a house and was transferring service that would complete on XXXX XXXX, 2016 by XXXX. The branch manager, yells that I was disqualified because I had not phone. The fact is I have a cell phone and a landline that was being transferred. He was operating on stereotypes and assumed I had no phone. I immediately cleared that misunderstanding up, but then the rep stated that I was over the income limit as far as payments. I could not understand the problem and requested a listing of my debts, and low and behold Springleaf had tacked on a bogus payment of {$82000.00} for a student loan that has a {$0.00} payment. I immediately called XXXX and XXXX -- the XXXX credit reports used -- inquiring about this bogus {$820.00} payment. The branch manager yelled again that the credit bureaus will take 30 days to correct, and I responded back that if a blatant dispute was done via phone it would be immediately removed. He did not want to rectify the problem even though there was a blatant mistake on my application. The environment was too XXXX, so I asked for the next nearest local branch, and the rep reluctantly gave me the location. I had my filed transferred to another location. This location was more reasonable and understanding and requested documentation that my student loan payment was {$0.00}. I submitted this information, but this documentation was not enough and Springleaf corporate wanted a statement stating that for two years, my payment would be {$0.00}. XXXX XXXX does not operate this way. Recertification is every year, and for three years I have been recertifying with the same income and medical issue. I called both XXXX and XXXX this a.m., and they both stated that they are not reporting any {$820.00} payment for XXXX XXXX and that they were not reporting any payment. I insisted a {$0.00} payment be added to my credit report and not left blank. Springleaf is a scam because they would not adjust the approved loan amount to fit the {$110.00} shortfall. The adjustment could easily be done. An approval was granted for {$2000.00} with {$2900.00} income, why not make an adjustment for the {$2700.00} net income. Springleaf was adamant that the amount had to be {$2000.00} with a {$2900.00} income. Seems unreasonable and unfair dealings.
Company Response: Closed with explanation
2016-08-12
Key Biscayne, FL
Problems when you are unable to pay
Consumer Loan: Installment loan
Complaint: I AM SUBMITTING THIS COMPLAINT TODAY AGAINST THE SPRINGLEAF FINANCIAL SERVICES COLLECTION AGENCY.
My account # - XXXX 1 ). SPRINGLEAF financial services collection agency threatened me today, XXXX XXXX, 2016 at approximately XXXX XXXX for past due loan repayment in the amount of {$160.00}.
2 ). SPRINGLEAF FINANCIAL SERVICES HAVE CONSTANTLY HARASSED ME FOR A DEBT OWED TO THEM IN THE AMOUNT OF {$160.00} for 1 month payment past due. They have been excessively calling me XXXX - 6 times a day. And, sending me numerous letters and emails for just 1 month past due payment in the amount of {$160.00} 3 ). I attempted to contact SPRINGLEAF FINANCIAL COLLECTION DEPARTMENT TODAY BECAUSE I COULD NOT TAKE THE HARASSMENT AND THREATS ANY LONGER.
But nothing was resolved because SPRINGLEAF REFUSE TO DO A DEFERMENT, PROMISE TO PAY OR EVEN TRY TO BE A LITTLE COMPROMISING DUE TO MY CURRENT FINANCIAL HARDSHIP SITUATION AS I HAVE REPEATEDLY INFORMED THEM OVER AND OVER AGAIN.
THEY ARE VIOLATING SO MANY CONSUMER PROTECTION LAWS AND SHOULD BE FINED AND STOPPED.
Sincerely, XXXX XXXX XXXX
Company Response: Closed with explanation
2016-08-11
Lancaster, PA
Cont'd attempts collect debt not owed
Debt collection: I do not know
Debt resulted from identity theft
Complaint: I am currently disputing One Main Financial with CFPB. They are not responding in an appropriate time with CFPB. The negative account was taken off of XXXX months ago and on to XXXX after it has already been deleted and the executive director of One Main was contacted directly concerning my situation by CFPB. They have received all the proof showing that I was a victim of Identity Theft ( Police Report, FCRA Affidavit, etc. ) and still are not cooperating. This is beginning to become tortious interference of business practices due to I function in the real estate industry by using my credit I may need to contact a lawyer in order to place a civil suit. I have never had an account with One Main Financial and all accounts they have posted on my credit reports need to be removed immediately!
Company Response: Closed with explanation
2016-08-11
Euclid, OH
Improper contact or sharing of info
Debt collection: Other (i.e. phone, health club, etc.)
Contacted me after I asked not to
Complaint: In addition to contacting me, they are looking up phone numbers of relatives and people with the same last name as me. People whose numbers I would never give out.
Company Response: Closed with non-monetary relief
2016-08-09
Indianapolis, IN
Taking out the loan or lease
Consumer Loan: Installment loan
Complaint: it recently came to my attention that springleaf financial services and XXXX company are involved in fraud and forgery, on XXXX separate loans springleaf financial took money from my loan proceeds and purchased private life and accidental death and dismemberment insurance policies other than the credit loan products that are usally offered when taking out a loan. springleaf financial failed to disclose to me that these unrelated private life insurance products were added to my loans I had no use for these products I had already purchase the credit life policies I needed. The loan documents put before me were not the documents that were neatly packaged by springleaf prior to disclosure. leading me to believe that the documents put before me were the same ones in the package which I did not examine at that time. I was completely unaware that springleaf ever sold these private life insurance policies and to top it off springleaf named themselves lien holder of these policies they stole money from my loan proceeds to purchase. springleaf nor XXXX never sent me any policies within thirty days to examine nor did they include signed certificates of insurance in either loan package I knew nothing about these private policies. I first contacted merit life insurance after becoming aware on XX/XX/XXXX about one of the policies after discovering this while checking to see what my pay off would be. after this XXXX XXXX sent to me a forged certificate of insurance they ordered and that I had never seen before or signed for {$26000.00} dollars that did not expire until XX/XX/XXXXand the policy sent to me does not even have the policy number on it. if I had ordered this policy I surely would have named a beneficiary but there was none and if I had not discovered this springleaf and merit life would still be in possession of this policy long after my loan had been paid off. these documents are being forged by cut and paste from other documents I may have signed. after this I checked a previous loan and sure enough springleaf and XXXX had included a private life insurance policy and paid for it with my loan proceeds I only owed XXXX dollars which I had already taken the credit life insurance to cover this loan. The undisclosed private life insurance policy was for {$7700.00} this is {$5000.00} more than my actual loan this policy did not include a beneficiary either, and another question who orders a life insurance policy for the odd amount of {$7700.00}.? this took place in XX/XX/XXXX the most recent undisclosed private life insurance policy took place in a loan in XX/XX/XXXX so this tells me this is a intentional common practice of springleaf financial and XXXX this is why they are so rich just think if a private insurance policy is added to every customers loan without being disclosed and is not discovered because this information is hidden on the backside of the page of the loan disclosure documents put before the customer during disclosure by springleaf csr who intentionally fails to flip the page over that states they first offered me the loan proceeds they used to purchase these private policies which is a total lie. Do you actually believe that I would take out XXXX of these policies that cost almost more than the loan proceeds that I received? All of the customers loan documents dated XX/XX/XXXX through XX/XX/XXXX should be checked for these bogus life insurance policies that were added and not disclosed to customers in order for springleaf financial and merit life insurance companys benefit.
Company Response: Closed with explanation
2016-08-08
Chicago, IL
Managing the loan or lease
Consumer Loan: Installment loan
Company Response: Closed with explanation
2016-08-05
Lafayette Hl, PA
Managing the loan or lease
Consumer Loan: Installment loan
Company Response: Closed with explanation
2016-08-05
Bermuda Dunes, CA
Problems when you are unable to pay
Consumer Loan: Installment loan
Company Response: Closed with non-monetary relief
2016-08-05
Bremen, GA
Communication tactics
Debt collection: Other (i.e. phone, health club, etc.)
Threatened to take legal action
Complaint: The issue i have with OneMain is that my bank account was compromised, i called them and let them know to stop the auto payment and that i would be making the payment via money order. Then the harassing phone calls started they were calling 3-4 times a day, it was shortly after after i advised them of the issue with my bank account AGAIN and let them know that i am working on getting this resolved. I had never been late or missed one payment the whole time i have been a customer with this company for at least 7-8 years. My bank account was closed and i was out a lot of money for several months why the bank researched the issue. when i finally got some of my money back, i was behind on my car payment, house payment, utilities. Then XXXX the manager at this XXXX Ga location was calling me several times a day and saying i needed to catch the account up and it was so far behind, i advised her just like i advised the other ladies in the office that i would be sending in or dropping off money orders in the amount that i could pay until i get back on my feet. well i did drop off money orders in the drop box of the office and they were returned to me via XXXX with a letter saying i needed to pay the whole amount that was past due. i could not do that. i was just trying to catch up on my House Payment and car payment, the loan was honestly the last thing i was worried about. So i called the district manager and she never returned my calls. i was trying to let her know what was going on and that i did n't want to deal with the XXXX office any longer they were not helpful and did n't care or understand any ones issues, now i have received a letter from there attorney in the mail saying that there gon na sue me. i have tried to pay on the account what i could when i was employe, they REFUSED several of my payments, and are reporting negative on my credit after it had tried to pay them several times just not the full past due amount and what i left in the drop box was returned vis XXXX. i am now unemployed. this office is RUDE to deal with they will do anything NOT to help you when you in a bind, i have gave this company more all of my business for so long, but i would n't recommend them to anyone. The manager is HARASSING and rude to customers that have hit a road block in there life and needed someone to work with them. i will be speaking with an attorney i do have the letter that was mailed back to me with a copy of the money order that i sent in to them, when i was trying to pay the payment was refused by XXXX the branch manager, her name is the one on the letter that was sent back to me via fedex. Then the customer service center was calling me every day several times a day from all different numbers, i ask them just like i ask the office NOT to call my phone i would follow up with them when i could pay, well there still calling they called me 2 times today. this company Harasses there customers, i want this debt wiped off my credit and reported accurately. Someone should really monitor this office and see how they are treating the customers. ALSO when i took out the loan i was not given a option to decline the OPTIONAL insurance products, when i contacted the office they told me that i had already purchased them and that i could not get them removed off the loan and that amount refunded back to my balance. So also they are not disclosing that the insurance products they offer are OPTIONAL, they are MAKING the customer take the insurances.
Company Response: Closed with explanation
2016-08-02
Columbus, OH
Loan modification,collection,foreclosure
Mortgage: FHA mortgage
Company Response: Closed with explanation
2016-08-02
SC
Communication tactics
Debt collection: Other (i.e. phone, health club, etc.)
Frequent or repeated calls
Complaint: I was out of work for over a month because I was in the hospital. I told them this and they told me I had to come up with the money. Then they asked me to borrow it from family members to pay on my account.
Company Response: Closed with non-monetary relief
2016-08-02
Columbus, OH
Loan servicing, payments, escrow account
Mortgage: FHA mortgage
Company Response: Closed with explanation
2016-08-02
Grand Island, NE
Problems when you are unable to pay
Consumer Loan: Installment loan
Company Response: Closed with non-monetary relief
2016-08-01
Doral, FL
Taking out the loan or lease
Consumer Loan: Installment loan
Company Response: Closed with explanation
2016-08-01
Doral, FL
Taking out the loan or lease
Consumer Loan: Installment loan
Company Response: Closed with explanation
2016-07-28
Frisco, TX
Disclosure verification of debt
Debt collection: I do not know
Not given enough info to verify debt
Company Response: Closed with explanation
2016-07-28
Heathrow, FL
Shopping for a loan or lease
Consumer Loan: Installment loan
Company Response: Closed with explanation
2016-07-27
Edenton, NC
Taking/threatening an illegal action
Debt collection: I do not know
Attempted to/Collected exempt funds
Complaint: I got a loan with one main financial in XXXX XXXX, I left my job for another XXXX. The payments were coming out of my bank account. I told them I no longer worked there I make less money and would be coming in to make payments. I got a local job asked them to lower my payments they were {$250.00}. I called the XXXX # the lady told me I had to go in the office and fill out paperwork for insurance. I did n't fill out insurance paperwork, but was threatened by XXXX XXXX of the girlsif I did n't come in and pay {$230.00} they would take me to court. I borrowed money and went in, XXXX XXXX of the girls XXXX XXXX ) told me all I had to pay was XXXX. I once again asked for lower payments I get {$150.00} all together in child support {$45.00} for 3weeks I turned this information in to them. I asked them if they would take partial payments since all together at the end of the month I have all the money. They no longer take partial payments. Once I get the money they have put a late fee on it, I 'm short of the money. I have explained this to XXXX who told me she had nothing to do with the late fee. I explained this to XXXX, XXXX I told them I would try to come up with the some money by Friday XXXX/XXXX/2016 they have called me every day. I won money from a pick XXXX when I made my last payment and I told them that. On XXXX/XXXX/2016 I had to once again tell XXXX I was out of work because my client passed away in XXXX and I have the obituary with my name on it. What did I pay insurance for, why they did n't change the date of my payments to keep from having a late fee? Why lie and tell me I had to pay XXXX fee and I go in someone tell me something different? I filed a complaint with XXXX I have not heard anything back. They have violated my consumer rights and being harassed.
Company Response: Closed with non-monetary relief
2016-07-27
Donegal Heights, PA
Taking out the loan or lease
Consumer Loan: Installment loan
Company Response: Closed with explanation
2016-07-26
MS
Managing the loan or lease
Consumer Loan: Installment loan
Complaint: I burrowed {$3000.00} around XXXX or XXXX of last year from Springleaf Financial in XXXX, MS XXXX. I requested a payoff twice. When I asked how much principal and interest I was paying no one could tell me about it. I called XXXX XXXX XXXX twice before anyone answered the phone. The first time I answered then I missed the second phone call. I called back and left a voicemail and he never replied back. While on phone call with XXXX XXXX I asked several times for my payoff and I asked how was it calculated. XXXX XXXX stated, " Our system is n't calculated to give us principal and interest. I asked him could he provide this information to me and get back with me. I went to pay off my loan and noticed that my principal amount left to pay was {$1100.00}. My pay off was {$2800.00}. I did not sign up for any insurance or third party sales. I was wondering why I had {$1700.00} left in interest when my paid it off 2 years early.. I do understand the Interest rate was 19.99 % but I did understand my rate. I asked several times for XXXX XXXX to provide me with an amortization schedule. He said he would get me XXXX but he would have to talk to his boss. I went to pay off my loan, and I had an ACH setup. I did call the business to cancel my ACH so that I could get this issue resolved. I want to put this behind me. It 's been almost 2 months since I requested the following information.
Company Response: Closed with explanation
2016-07-25
Mobile, AL
Account opening, closing, or management
Bank account or service: Other bank product/service
Company Response: Closed with explanation
2016-07-23
Newark, NJ
Account terms and changes
Consumer Loan: Personal line of credit
Complaint: Springleaf Financial Services placed several inquiries on my credit report as a result of someone submitting an application, using my personal information, without my consent. The dates of these inquiries are : XXXX XXXX, 2015 XXXX XXXX, 2015
Company Response: Closed with explanation
2016-07-21
Blanchard, LA
Shopping for a loan or lease
Consumer Loan: Installment loan
Company Response: Closed with explanation
2016-07-21
Melbourne, FL
Communication tactics
Debt collection: I do not know
Called after sent written cease of comm
Company Response: Closed with non-monetary relief