ONEMAIN FINANCIAL HOLDINGS, LLC

2016-04-04

Newtn Hamltn, PA

Charged fees or interest I didn't expect

Consumer Loan: Title loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-02

Clayton, MO

Improper contact or sharing of info

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

Talked to a third party about my debt
Complaint: XXXX XXXX Called friends ; told them this was my last day to pay and threatened my account would be " sent to the courts ''. I called XXXX XXXX. Told them I could not pay. I told the rep I was on the road and that I would call later. They kept pressuring me to set up a payment plan. Because I was in a dangerous position ( driving ) I agreed to a payment plan I can not execute. I provided them with banking info. This plan was obtained under duress by XXXX XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-31

Katy, TX

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-31

Wichita, KS

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-03-30

Paterson, NJ

Can't contact lender

Payday loan:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-30

Burkburnett, TX

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-03-29

Nashville, TN

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-27

Palos Park, IL

Taking out the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-03-27

Penn Yan, NY

Communication tactics

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

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

Disputed: No Timely Response

2016-03-27

Crestwood, IL

Shopping for a loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-27

Shulerville, SC

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: I want to start making payments to the financial institution when I got employed again. I asked to start making payments and they agreed of a certain amount. When later on I tried to cancel the next month payment due to a serious issue I had to deal with in my life, they threaten to garnish my wages and wanted to know where I work and my supervisor phone number. I did not tell them and they want 30 % of my wages. I also received a letter from them that month postmarked before I had the conversation to cancel the payment and the amount they wanted for my payment was vastly different compared to the one we agreed upon. I have called them twice to cancel the payment, each time the amount they said was different and they also refuse to cancel the payment.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-25

Briggs, OH

Charged fees or interest I didn't expect

Consumer Loan: Title loan

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-25

Rialto, CA

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-03-25

Springfield, MO

Improper use of my credit report

Credit reporting:

Report improperly shared by CRC
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-25

Hemet, CA

Problems when you are unable to pay

Consumer Loan: Personal line of credit

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-03-23

Charleston, SC

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-23

Bundyville, NY

Managing the line of credit

Consumer Loan: Personal line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-23

Houston, TX

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-03-23

So Effingham, NH

Communication tactics

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

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-22

OH

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Complaint: My husband & I bought our first home in XX/XX/XXXX. We realized we needed lots of stuff and got a " stated value loan '' through XXXX. Never heard of it before, but trusted it was something legal. I told them what I thought the house was worth and they gave us a loan for the difference from what we owed to that amount came and it came to {$25000.00}. The interest rate was 15 %, but it is a 15 year loan so I figured that is plenty of time to pay it off. We went to the appt. to sign. Everything was fine and we were almost done with the appt. when he says XXXX paper to sign and it was for the balloon payment. I said hold on I do n't want this loan anymore. He said you will be fine as long as you pay a little more than the minimum every month. We have paid more than the minimum every single month for almost 10 years and we still owe {$24000.00}. We have borrowed against it, but only around {$4000.00}. Even at borrowing {$4000.00} over 10 years, one would think the loan would have been paid down a lot by now. We ca n't afford to keep throwing money at this loan anymore. The loan was sold to Springleaf. I have tried several times to get help from them, but I have received minimal feedback. I asked to drop the interest rate and they said that was not even an option. I was told I could do a modification, but it would only be for 6 months and " I probably would n't get approved anyway '' but with no reason why the person said that. So I said ok I guess I will keep paying. That was in XX/XX/XXXX. We ca n't keep paying so I called this year to offer a settlement. The first person I talked to said to offer at least 50 % so I offered {$15000.00}. He said he would call me back with the decision. Never rcvd a call back. Call back ... denied. This person said you have to offer 75 %. I do n't have 75 % so I offered {$17000.00} which was around 68 %. They came with a counter of {$23000.00}. That is just under {$2000.00} of what I owe! I am trying to be a good consumer and give as much as I can. I have paid enough with this loan. I have heard that XXXX was being investigated for predatory lending/illegal lending and that is why they sold all of their loans. I have paid more than the minimum every month except I missed XXXX 's payment as well as XXXX and XXXX 's payments. I just ca n't pay anymore. So the question of " which part of the mortgage process is your issue related to? ", I could n't pick just XXXX. Applying for the loan because I feel that the loan should never have been given to us. I trusted the company that it was a legit loan, but then they were investigated for predatory lending and I feel that is what happened. We received XXXX flyers in the mail and calls. We were young and dumb and now see we should have never got a loan with a 15 % interest rate and a " stated value loan '' which no one else offered. We also fall into the category of signing the agreement. We were all done signing and then he brings out the balloon payment paper and said as long as you pay a little more than the minimum, you will be fine. Again, I believed him and he just wanted to get the loan is all. And finally, we fall under the problems when you are unable to pay. Springleaf has been no help whatsoever. They are rude when I call and offer no help at all and tell me you can apply for a modification, but you probably will be denied. So, what is the point then and a modification of only 6 months really does nothing. And then I was able to offer {$17000.00} to settle the loan ... the most I have ... I would be borrowing money from my parents ... and they came with an offer only {$2000.00} less than what I owe! I ca n't afford to pay my parents back plus still have the Springleaf loan. I have called several banks and lenders, including my XXXX mortgage lender. No one will not touch this loan. We are underwater on the house and this loan is worth nothing anyways. We are at a loss as to what to do.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-21

Hanceville, AL

Problems when you are unable to pay

Consumer Loan: Personal line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-19

Dallas, TX

Communication tactics

Debt collection: Payday loan

Used obscene/profane/abusive language
Complaint: On XX/XX/2016 One Main Financial ( One ) called me on my cell phone asking to speak with XXXX XXXX. I told them that I am not XXXX, that they have called my cell phone, and that I do know XXXX. I told them that I already told them this phone number belongs to me and not the person they are looking for. I asked who I was speaking to and the employee of One refused to give me her name. When I asked to speak with the Complaince Department, she said sure, one moment. Then she came back on the phone and told me that they do not have a Compliance Department, but I could speak to one of the managers. I told her sure and then she hung up on me. I called One right back at XXXX. I spoke with XXXX. I told they hung up on me and she asked to tell me the reason for the manager and I told her. Supervisor XXXX took my call. I explained the situation to her in great detail. She told me her system shows that they are calling and trying to locate XXXX. ( XXXX ) She made sure that my number would not be called again. I demanded {$1000.00} from her for violations of the FDCPA. I explained how they are only supposed to call one time to locate someone. She offered to fax me a copy of the FDCPA that they go by and that they are updated. She started to talk about XXXX debt protection laws but I explained to her FDCPA is Federal and that I am a resident of XXXX. I started to explain to her that my call in registered on the governments Do Not Call list, but I was interupted by her. She told me that this is not a solicitation and that XXXX provided the phone number to them. XXXX told me that because my phone number is registered in XXXX that there are no stipulation for the FDCPA. I explained FDCPA part 1692b ( 3 ) to her but she got mad at me, told me " Thank you for calling One Main Financial '' and I interrupted her, telling her " One moment, one moment '' but click. XXXX hung up on me. I had a felling she was going to hang up on me and sure enough she did. I called One again and I asked to speak with XXXX or her supervisor. XXXX took my call, I asked her if she hung up on me, she asked who I was and she told me she did not know who I was. I explained to her that I had just spoken to her but she still did not know who I was. She asked me to refresh her memory and I did. I told her you had hung up on me. I read the FDCPA to her, part 1692b ( 3 ). I told her how I spoke with their representative a few weeks ago about the same. She told me she would have a supervisor call me. She asked me if there is anything else she can do for me and I told her no, other than to stop calling me. She said something, I continued, to tell her " other than to have her supervisor to call me of course. '' XXXX kindly told me that there will be no more call to me, that is all she can do, how she will put in a complaint for me and best of luck, have a good one. I told her " Thank you '' and out of no where, I mean out of no where the tone of XXXX 's voice changed and her attitude changed from day to night. She snapped at me and told me " Are you done, OK, are we done. '' I told her there is no reason to be like that. XXXX told me " I WAN NA MAKE SURE, NO-NO-NO, I WAN NA MAKE SURE THAT YOU 'RE NOT SAYING THAT I AM HANGIN UP ON YOU- I WAN NA MAKE SURE ALL OF YOUR THOUGHTS AND CONCERNS ARE COMPLETE. '' I responded to her " But you did hang up on me. '' She told me she was ending the call and I told her I would be doing the same and we ended the call.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-03-18

Oxford, GA

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: XXXX/XXXX/2007 a personal loan was taking out with XXXX to help with college tuition.The loan was later taken over by Springleaf Financial, we make payments of {$700.00} per month, we have paid over {$50000.00} on a loan that was {$20000.00}, and we still have an outstanding balance of $ XXXX.Now the bill is showing a late fee of {$250.00} and {$450.00} in interest so nothing is being applied even though i make the payments online and on time.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-18

Meskegon, MI

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-17

Lafayette Hl, PA

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response