ONEMAIN FINANCIAL HOLDINGS, LLC

2016-07-20

Everett, WA

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-19

Miami, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-19

KY

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: The complaint starts with a personal loan that was taken out by me and my mother from One Main Financial. The loan was in my name and my mother cosigned for this loan. I stopped paying on this loan when I was fired from my job. My mother became very ill and I stayed home to take care of her because she became XXXX. She then passed away XX/XX/XXXX. I had not been able to pay on this loan for the 2 years I was off work and taking care of my mother. Starting XXXX XXXX my wages were to be garnished for {$8900.00}. As difficult as it has been losing at least {$250.00} every 2 weeks and raising XXXX children I understand this is my debt. My complaint is that now that this is almost paid in full which included the interest on the loan, that the Judgement Creditor is going to charge me 12 % interest on top of the interest already included on the balance. I do n't understand why I am being charged interest on top of interest. Can you please help me to understand that.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-19

Medford, OR

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I have a loan with One Main Financial in XXXX Oregon. My payments were set on auto pay, and my payments were being regularly taken every 2 weeks. I noticed recently that One Main had not taken their payment from my bank account when they were supposed to. I tried several times to contact them and left phone messages. I finally got through and they claimed they were trying to call me, and I asked what number they were trying to call and they told my my current number. If they had indeed called me I would have answered or returned any missed calls. Their number is programmed into my phone so I would know it was them. The problem they said, was that they had a copy of the voided check instead of a voided check, and that they could not take any payments from me because of that. The truth is that they had been taking the payment right along every 2 weeks for some time although they did n't have the actual voided check. During the time lapsed that they did not take my payment, they slapped me with a {$98.00} late fee. This is highly illegal and unethical.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-18

Lancaster, PA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: This account is not mine. I was a victim of identity theft. I submitted a police report and affidavit proving that I was a victim of identity theft. I have disputed this through the credit bureaus and it still has not been removed.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-14

Beach Park, IL

Managing the line of credit

Consumer Loan: Personal line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-14

Coalinga, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-13

NC

Settlement process and costs

Mortgage: Conventional fixed mortgage

Complaint: I have a loan with Springleaf Mortgage Services Inc.At this time I am selling the property and closing was set for XXXX/XXXX/2016 the closing attorney has requested finial pay off for this loan but Springleaf has refused to give that information to the attorney.They have ask for a written and signed request from myself to be faxed to them before that information will be released that was done and faxed to them by the closing attorney they still refused to give that information their excuse is they have not received a fax so as of now it has been faxed to them 4 times.Yesterday the written form was taken to their branch office faxed from there to their corp.office and then scaned and loaded into their system while a XXXX XXXX was talking to corp. she then asked if they would fax her the pay off so this loan could be closed out But they refused to give her that info also.A supervisor from their corp office talked to me over the phone and i was advised that this takes time and it could still take several more days to be processed as of XXXX today they are still trying to say they have not received the fax and form.How can that be when it was faxed from XXXX of their offices and the man from corp. acknowledged the fax went through.So I would like to know how they can do this and keep charging interest each day and that be legal? Please help do something so i can get this taken care of and that no one else will have to got through this stress and mess.I may loss the offer to sell because the bank may drop the loan.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-07-12

Irving, TX

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-12

Clarkesville, GA

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I took out an unsecured loan in XXXX at One Main Financial previously XXXX XXXX. In XXXX I refinanced loan. The principal on the account was {$7900.00}. I have been paying on the loan for 5 years and they say that I still owe {$7200.00}. They are now threatening to turn the account over to their legal department andI have my wages garnished because we are 2 months behind due to my hours at work being cut by half. To date we have payed close to over {$11000.00} on this loan, it should be payed off or almost paid in full by now. We have been making payments of $ XXXX/month for the life of the loan. When we asked for help, for one month they wanted to refinance the whole loan again and wanted the title to my car and I declined that offer. That ris when they threatened to garnish my wages. Also I have noticed that when I make the payment, they hold the check and run it thru the bank after the due date so that they can charge me a late fee and add interest. This seems to me that there is something that needs to be done. I am not saying that I do not owe money, but I know that I do not owe them over {$7000.00}.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-09

Las Vegas, NV

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: This is a complaint regarding Springleaf. My husband and I borrowed money from American General apx 16+ years ago. My husband passed away in 2012. The highest loan balance was apx {$20000.00}. I still owe {$14000.00} on this loan despite making monthly payment for all of these years. Current interest rate is 22.9 % and my monthly payment is apx {$300.00} which barely pays the interest. I asked for a printout of my loan payments, and could not understand what I received. I am sure I have paid over {$50000.00} on a {$20000.00} to this date. Springleaf has made more than a fair " return '' on this loan. They, American General, and I believe at one time it was XXXX are loan sharks. I will never get this paid back. The loan is still in both my husband and my name. I am XXXX XXXX XXXX. This money borrowed to finance a children 's rights lawsuit. No, there was no life insurance from my husband to pay off this loan. The XXXX home took all of it.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-08

Inman, SC

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-08

Inman, SC

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-07

Chicago, IL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: On XXXX XXXX, 2016 at XXXX cdt Springleaf collections phoned and left a message that XXXX XXXX wanted me to return her call about a debt. This was a robo call. On XXXX XXXX, 2016 I wrote to Springleaf on their internet portal. I told them that I do not have a business relationship them and never have. I then demanded that they cease and desist from contacting me. They called my phone and did not leave a message. Today, XXXX XXXX, 2016 at XXXX cdt the same robo call from XXXX XXXX left a message for me. I want them to remove my phone number from their call list.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-06

Odessa, TX

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-07-06

Oxford, GA

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: Springleaf is reporting that a payment has not been received since XXXX 2016 and are also reporting the wrong balance. Not only have I made timely payments all year, I have made extra payments towards my balance. They are reporting a balance of XXXX however my balance is XXXX. This is affecting my credit report.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-06

Milwaukee, WI

Managing the loan or lease

Consumer Loan: Vehicle lease

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-05

New Orleans, LA

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-05

Lafayette, LA

Managing the line of credit

Consumer Loan: Personal line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-04

Philadelphia, PA

Taking out the loan or lease

Consumer Loan: Installment loan

Complaint: I acquired a XXXX personal loan with Springleaf Financial, I was told the interest rate would be 27 %, my first statement had XXXX on it, I called and was told this was due to 48 month term. I wanted to received an accurate statement and was told that was how the statements were. I asked for the balance and realized that after paying XXXX my balance had not decreased, I was then told I would have to pay at least XXXX before I would see a decrease in the principal. I was then told the interest is pre- calculated based on rule 78, I was never told about this prior to signing for the loan, I believe I am being charged a very high interest rate and I would like to know if it is legal for Pennsylvania , I searched on google and it states this is no longer legal for loans to be pre- calculated, please advise
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-01

Odell, OR

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I had a high interest XXXX loan for years with a high balance. A couple of years ago Springleaf Financial took over the loan. I finally paid the loan in full XX/XX/2015. I checked the statements for a couple of months to make sure the balance was truly XXXX. Since I did n't use the account I did not keep checking the statements after that. Because I always have a balance in the thousands I never realized I was being accessed an annual {$50.00} fee on top of the high interest rates. So in XX/XX/XXXX they accessed an annual {$50.00} fee I did n't look at my statements because I expected the balance to still be XXXX. When it did n't get paid they reported it as " over 30 '' to all XXXX credit bureaus. I did n't know there was an issue until I tried to finance a car and my credit score had dropped XXXX points! I called that day and paid the balance and closed the account. I then called customer service and at their urging I wrote to their complaint department and when that did n't work I even tried writing to the CEO of Springleaf and all rejected my requests to have the harmful information removed from my record. I understand that legally they reported accurate information. However, it was a ridiculous honest mistake and I feel they should give a long term client the benefit of the doubt.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-30

AL

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: I have a loan with One Main Financial. I have had this say loan since XX/XX/2013, it is a 63 month loan. My balance started at {$11000.00} which I was only told I was borrowing {$10000.00}. My balance now after 3 years is still {$8800.00} so according to them I have only paid {$2400.00} in 3 years. I have received multiple phone calls from this company during this 3 years in which they have told me that if I did n't pay my payment that day that they would be seeking legal action against me. I have also received phone calls and I have asked them for help with getting on track and they have told me lies about how they are being bought out my other companies and they ca n't help me. One day the office staff called me and did n't realize that I was on the phone already and started talking about how they were going out that weekend XXXX. I just received a call today, I made a partial payment on my account, and they told me that balance was to be paid in full today or they was going to seek legal action, they tell me this multiple times and that they will sue me if I do n't pay. There have been times when I have been like 15 days past my due date and they still tell me this. I am fed up. I have been spinning my wheels paying this company and they are hateful and always rude to me and lie to me and threaten me. I have tried to call corporate several times and I am always told there is nothing to be done and I have to take it up with my local branch. They also call me 6 to 10 times a day if I am due for my payment. I am trying to work a full time to be able to pay my bills and my phone is constantly ringing. The other day when I went in their office a lady was in there making a payment and they were yelling at her because she had a hard time hearing and they were very rude to her also. I just ca n't stand the attitude they have with their customers and the way they are treating the loans and threatening me.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-29

IN

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-29

NJ

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Complaint: Original Creditor is XXXX, XXXX, then it was sold to XXXX , XXXX and now XXXX XXXX XXXX has the account XXXX. This is not my loan, I have a police report and a fraud affidavit I sent numerous times to all XXXX companies. I have also sent XXXX information on this too and they are still reporting Springleaf on my credit report. This is not fair that I have provided the information and I am still be punished for something I never received.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-28

Newport, TN

False statements or representation

Debt collection: I do not know

Impersonated an attorney or official
Company Response: Closed with non-monetary relief

Disputed: No Timely Response