ONEMAIN FINANCIAL HOLDINGS, LLC

2016-06-28

Liverpool, TX

Communication tactics

Debt collection: Payday loan

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-28

GA

Can't stop charges to bank account

Consumer Loan: Pawn loan

Complaint: I took out a loan with Onemain Financial , Inc. located at XXXX XXXX XXXX XXXX Ga XXXX back on XXXX/XXXX/XXXX. I borrowed {$1000.00}. I went back to borrow {$500.00} on XXXX/XXXX/XXXX for them to payoff XXXX XXXX and XXXX. The balance was {$600.00} for XXXX XXXX. They gave me a check for {$600.00} to pay them off. They also gave me a check for XXXX the same day to pay off XXXX which totals to {$2500.00} plus the renewal of {$99.00} of all the money ever borrowed. I missed one payment back for XXXX/XXXX/XXXX. I went back to them on this date to do a renewal because I did n't have the money to pay for XX/XX/XXXX. They said if I did n't do the renewal they was going to take me to court. They gave me a check for {$99.00} for me to turn and give back to them with prepaid finance charge of {$260.00}. When I add up my receipts I 've paid them over the course of this loan close to {$10000.00}. I told my brother about my situation. He immediately wanted to know what was going on. I had him to speak with the manager at OneMain Financial. He ask the manager for the number of payments. She told my brother they only had a record of 27 payments. I pulled out my money order receipts and counted 38. There are more receipts. I have to find them due to the fact I had to move. My brother took me there to discuss why the loan was so outstanding although I have been paying faithfully XXXX to XXXX every month with a few exceptions. When we got there we asked to speak with the manager. The manager was not available therefore we had to speak with someone else. It was a gentleman. My brother wanted to see all details pertaining to signatures and copies of signed return checks. He was not able to produce valid signatures on all the documents. He was telling my brother that I had kept coming down there to borrow money and something in reference to a renewal. In the process of going through the documents my brother notice that there was XXXX loan for {$850.00} that was signed by someone else they claimed I got a month later on XXXX/XXXX/XXXX. This is not correct. I have not been back there other than the times I mention earlier. The service rep was shaking and falsely accusing me of coming back there to borrow the money. Someone signed my name in the style of printing my signature. We ask for copies to justify my innocents. I did received copies of some the records. The payoff balance as of XXXX/XXXX/XXXX was initially {$6200.00} even after 4 years of paying them close to {$10000.00}. I asked him why am I still paying for this loan. That 's when he stated to me that I kept coming down there to borrow money or something concerning a renewal. He then went back into the computer and changed something. The balance is {$5600.00}. I do n't know what they are doing but I 'm worried and sick of the threats of taking me the court if I did n't pay even though I pay every month. In short, I feel someone has committed forgery in my name as if I have taken out additional loans that dates back to XXXX/XXXX/XXXX. The interest rate was 25.37 % to 30.45 %. I XXXX XXXX am giving XXXX XXXX to discuss anything concerning this case.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-27

Newark, NJ

Shopping for a line of credit

Consumer Loan: Personal line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-27

Newark, NJ

Shopping for a line of credit

Consumer Loan: Personal line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-25

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-24

Florence, SC

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-24

Brooklyn, NY

Charged fees or interest I didn't expect

Consumer Loan: Title loan

Complaint: I have filed a few other complaints related to this situation. My payments on the loan I received from One Main Financial were not correctly applied to my balance. And after I filed my initial report with the CFPB, they stopped sending me bills. I figured the complaint I filed with the CFPB had motivated the company to correct their mistake and finally properly apply my payments, making the loan paid in full. So to be sure, I called One Main Financial. I was told my account had been charged off. But, they never sent any mail notifying me of this. I was then transferred to a recovery department. The representative I spoke to told me she could n't give me much info about my account and someone would have to call me back in a few days. It 's been almost two months. I called back today and was just transferred around to several different operators as well as given very different phone numbers for what was supposed to be the recovery department. I finally spoke to XXXX representative who told me the reason I was probably being rerouted back to the main number is because the recovery department goes to lunch XXXX However, I think it 's still ridiculous that no one could give me answers about my account. I want to know what type of consequences the company can face for stopping my bill statement and then charging off my account without notice. They have the title to my car also. Should I get a lawyer? This was a very bad loan, if I pay back the entire amount they are requesting then my interest will have been 100 %! I borrowed {$6000.00} and they want me to pay back {$13000.00}! Please help. My sister is in college and neither me or my dad can co-sign a parent plus loan for her because of this predatory loan One Main Financial misleading led us into. It 's not fair. i 've paid quite a lot on this loan and I 'm just ready for this to be resolved so i can move on with my life.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-23

Lancaster, PA

Managing the line of credit

Consumer Loan: Personal line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-23

SC

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-21

Mansfield, TX

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-21

Colts Neck, NJ

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: Back in XXXX 2009, I took out a personal loan with XXXX ( now OneMain Financial ). The term was for 84 months, and while I knew the interest was high ( 29.49 % is insane ), I assumed that the payment schedule that I was given would work to a XXXX balance at the end of the 84 months, at least that was how it was explained to me when I signed the papers. The initial amount was for {$7700.00}, and at the completion of the term, OneMain expects the remaining balance of XXXX, now. XXXX on time payments, with XXXX deferments, of monthly payments of XXXX, I have paid a total of {$16000.00} dollars towards my account, more than double the initial loan. OneMain is predatory and outright extortion. There were several months where as little as {$2.00} or less were applied to the principal. I had no idea that in order to actually pay my loan off I needed to put down triple my monthly payment!
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-21

Houston, TX

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I have requested a payoff ad nauseam to a avail. I continue to get voice mail. I have left VM for the telephone office ... Springleaf Financial Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX I even applied for a new loan ... no answer ... no once has called me. I am okay if not approved but I still need a payoff. A simple call back would be greatly appreciated.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-20

Greensboro, NC

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: In the XX/XX/XXXX my husband lost his job and well fell behind in making payments on an installment loan with Springleaf Financial. A judgment was filed for the loan. I was able to get caught up on the loan and paid it off early in the XX/XX/XXXX. I have been requesting since then that the manager and now corporate submit an update to XXXX County to reflect that the judgment has been satisfied for 3 years. To date no action has been taken to correct the situation.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-19

PA

Delinquent account

Credit card:

Complaint: I was never late in paying my SpringLeaf credit card account. The account has autopay set up through springleaf and that has been the mode of payment for years. I have n't even used my credit card/ credit line for years, all I have done was pay it off. Springleaf purchased my account off beneficial and continued to get payment through autopay. I do n't know how they can justify destroying my credit over {$20.00}. Springleaf charged me a yearly fee of {$20.00} which I did n't even know about and then compounded late fees on top of it and reported me to the credit bureau. Autopay/ Directpay should have kicked in and I should n't have been late. Springleaf made no attempts to even prompt me that something was wrong. They sent a statement and that was all they did. Other creditors call or send email to make sure their customer is aware of a problem with their account. It is called good faith and Springleaf operated without a conscience. Because I assumed I owed nothing and if I did autopay would kick in, I did not know about any late payment until I pulled my credit in XXXX 2016. My credit score has dropped at least XXXX points because of {$20.00}! When I called springleaf they tried to force me to pay over {$70.00}. I refused to pay a fee I do n't agree with. I told Springleaf I did not want their credit anymore but they insisted I owed them. That card has been dormant for over 2 years. Their behavior is not in good faith and I dispute the charges, late fees and the late report to the credit bureau. Please investigate and remove the negative information off my credit report.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-17

Etna, OH

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-17

Managing the line of credit

Consumer Loan: Personal line of credit

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-17

Columbus, OH

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: Loan was with One Main Financial ( XXXX ), XXXX XXXX XXXX, XXXX Ohio, taken in XXXX, 2015 Actual Loan amount {$4700.00}, for 30 months. Total to be paid with finance charge {$6500.00}. Total I paid in 12 months was {$6000.00}. ( XXXX pmts of {$210.00} and XXXX check {$3400.00} ) .In XXXX when I called for pay off amount was given {$2000.00}, but when written letter received payoff was {$3400.00}. When I asked for report of how may payments was allocated ( interest and principle ) they refuse to give to me. I received my last payment of {$210.00} refunded to me. I believe One Main Financial took the total finance charges before applying money to the principle. One Main Financial owes me at least {$1000.00} if not more.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-15

Peace Haven Estates, NC

Improper contact or sharing of info

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

Contacted employer after asked not to
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-15

Casper, WY

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-10

IN

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: Account number:XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX, XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. I do ask in light of the good standing relationship we have that you remove these lates from my credit report. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-09

Duncan, OK

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: I am a co-borrower on a loan for my son. He is behind on his payments and One Main Financial continues to call me. which I understand is their job, but they are calling my job on a harassing basis and I have verbally told them do not call me at work and so has my boss and they are very rude and says they will call here whenever they want and so forth. Now they are calling daily asking for Human Resources number to file garnishment and that number has been given to them every time and they then call back saying that is not a good number which it is. They are jeopardizing my job with the calls and they have been told to stop. My husband lost his job and I am barely paying my own bills must less my sons, and yes I know that is what a co-borrower is for, but I feel the harassment needs to be directed to him not me until all other options with him are exhausted.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-09

Kosciusko, MS

Shopping for a loan or lease

Consumer Loan: Installment loan

Complaint: I applied online to One Main Financial for a personal unsecured loan in the amount of {$4900.00}. I was directed to the local branch after applying for the loan. I have had several loans in the past with One Main and they all have been paid on time ( never late ) and have all been paid out as well. I was contacted by the XXXX, MS branch to complete credit application and according to them, get authorization for One Main to pull my credit. I was under the impression that I had done that when I applied for the loan. During the course of the conversation, I asked to speak with the Branch Manager because the person I was speaking with said that I had to give her the make, model, miles and VIN to ALL my vehicles in order to have a " complete '' application. I told her that I was not applying for a car loan, a collateralized loan or looking to refinance my vehicles ( all are currently with other lenders ). The Branch Manager XXXX XXXX explained that they were bought out by a new company and this was a new requirement and that I was required to give this information or the application would be considered incomplete and not processed. In my opinion this is wrong and should be illegal, if it is not. If they advertise unsecured personal loans, then one should able to apply for that type of loan. If they are unable to approve a personal loan without some type of collateral, then that product should be offered at that time. If they approve a person for an unsecured personal loan and then want to offer them different products as options, then do that. But to REQUIRE an individual to furnish their vehicles ' information to the point of providing a VIN is suspect and smells of fraud or bait and switch tactics. In the past, I have applied for loans at One Main and they always gave me the option to borrow more money with a vehicle as collateral. I do n't have a problem with that. It makes sense that with collateral they would be able to lend more money. But to require this information under the guise of being able to offer you what you qualify for with other types of loans is very suspect. It appears that they are trying to " go after '' these vehicles and bait and switch you to something else that you did n't apply for. I contacted the corporate office and asked for an explanation and asked for a supervisor and they simply transferred me to XXXX XXXX at the Branch In XXXX, MS . It makes you wonder what kind of company this is when you ca n't get in contact with anyone at the corporate office.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-08

VA

Communication tactics

Debt collection: Auto

Frequent or repeated calls
Complaint: One Main Financial, XXXX Virginia. If you are a day late with a payment they will call you 8-10 times per day and will still call after you speak with them. We know we have to make a payment and they do not need to continue to call so many times. They told us why they call so much and leave messages is because we do not answer the phone. If you have multiple household members and you each have a loan, they will call each person 8-10 times per day. Our phone rings constantly! This is a small company and they know that there are XXXX household members with separate loans with the same phone number but continue to make repeated phone calls.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-08

Ft Lauderdale, FL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I went to obtain an autoloan and was informed that there was a judgement in my name. I pulled my credit to get debt collector information and when I contacted them they were aware the had to wrong person yet extended no relief with this problem
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-08

San Diego, CA

Disclosure verification of debt

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

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

Disputed: No Timely Response