ONEMAIN FINANCIAL HOLDINGS, LLC

2016-03-17

Key Biscayne, FL

Account terms and changes

Consumer Loan: Personal line of credit

Complaint: I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by SPRINGLEAF FINANCIAL SERVICES on XXXX/XXXX/2016 that I do not recall authorizing. Furthermore, I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-16

Charleston, SC

Account terms and changes

Consumer Loan: Personal line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-16

Westfield Ctr, OH

Charged fees or interest I didn't expect

Consumer Loan: Pawn loan

Complaint: took a loan out for XXXX spring leaf financial advertised on XXXX website much lower intrest than I am being charged. loan officer never went over intrest rates with me, just monthly payments. after making 3 paymnts, I notified them. was never told about a credit reopt fee. I filled out the app on website. XXXX % plus is the interest rate. also had to put up television for collateral ;. these people knew way in advance about my financial situation. I called them and told them that the interest rate would have to be renegotiated. or I will not pay the loan. very deceptive business practices.i am XXXX vet. would appreciate some suggestions.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-16

SC

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I have bee making my payments I usually always pay over the regular contracted amount I always call my payment in over the phone and speak with XXXX of the XXXX girls that work there and by paying over the contracted amount they always tell me you are paid ahead and do n't have to make a payment next month so when I called this month because I could n't remember the due date I was told I was due more than my regular contracted payment and I asked how can that be when I always pay over the contracted amount and you guys always tell me I 'm paid ahead and do n't have to make a payment next month XXXX just told me I have n't paid enough and I did n't understand what she was saying so I called back to speak with the manager but she was out so a guy that was helping out in the office for the day explain to me even if you are paid ahead you still have to make a payment ever month or late charges will be charged also interest will be charge and I asked him why was n't this explained to me at the closing of the loan and why every month when I call in to make a payment they tell me I 'm not even due a full payment and paid ahead when all along they just did this so they could charge me extra the gentlemen then told me they should have disclosed that to you I asked to speak with XXXX again and I asked her if she would mail me a copy of my payment history and she said she could not I asked if there is anyone else I could talk to and she said she would ask her supervisor she called me back and said her supervisor said she could not mail me a copy of my payment history
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-15

Wash, PA

Shopping for a loan or lease

Consumer Loan: Installment loan

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-15

Burkburnett, TX

Taking out the loan or lease

Consumer Loan: Installment loan

Complaint: More XXXX of XXXX - - Your Loan Has Been Approved! XXXX x XXXXXXXXXXXX XXXX XXXX ( 1 hour ago ) to me Congratulations! Your loan has been approved for {$5000.00}! * Get your loan as soon as today : 1.Get approved ( Done ). 2.Make an appointment with your local branch XXXX. 3.Get your check as soon as today! What will happen at my branch appointment? 1.You 'll meet with your personal loan specialist to verify your identity, income, and sign your loan documents. 2.Be sure to bring a government ID ( e.g. Driver 's License, State ID Card, Passport, or Military ID ). 3.And for income verification, you can show us your last XXXX paystubs, most recent signed tax return or bank statement verifying direct deposit. Thank you for choosing Springleaf! We look forward to helping you complete your loan request. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-15

Dallas, TX

Shopping for a loan or lease

Consumer Loan: Installment loan

Complaint: First of all, I was invited or referred to different potential lenders/loan companies, by different matching agencies. Upon deciding to go with that lender, I 'll always try to make sure, its a preapproval type process, and the lender ( s ) would also advertise such thing! At the end of the day, mostly all my acquire lending decisions or choices were thru ; those types of lenders, that offer such renditions! In addition to that, the lenders provided the credit bureaus, info that should n't had been part of the decided factor! For instance, you ca n't make me have, a history with mortgage rates/payments, if in my lifetime I never own my home! I always, and still is in the renting business ( From landlords or apartments managers )! But, mostly all lenders uses this excuse, to disqualify or disapproval purposes, and main reason for or behind their decisions! Since, when in this Country ( USA ), this type of stuff is or became legal? Something is extremely wrong, and insane with this picture, America! Nobody or adults in the earthly realm should be punished, and discriminated against ; due to not being homeowners, and lacking that type of history involvement! This is what I would label as stupidity, garbage in/out, deception, ignorance, and insanity stuck on XXXX, and at its worst!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-14

Salem, OR

Shopping for a loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-14

Roanoke, VA

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-14

Grassy, MO

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: My wife passed XX/XX/XXXX. I was laid off a few months later. I wrote One Main Financial, along with my statement letting them know I could no-longer pay the full monthly amount and would like to renegotiate. I had lost my wife 's income, accumulated medical bills and now was living on just my social security. They ignored my request. I stopped letting money to be withdrawn from my bank in One Main 's name. It did n't take long for them to call me. Once again I asked to renegotiate. They said -I did not fall under their hardship clause. They kept calling me. I explained we would have to renegotiate or I would be forced to file bankruptcy. After several calls they said they would lower my rates to 4.78 % and cut my payments in half. However, I had to return to the office where the account was opened. Over 3 hours where I now live. After several more discussions I was turned over to their corporate office. I was to present proof of income and sign a hardship notice. I did so, in XXXX XXXX, Mo. which was faxed directly to their corporate office. Again I started getting calls saying they never received my information. Again they wanted me to go to the branch where I opened the loan, XXXX, Mo. and resubmit the paperwork. I called XXXX, explained I was 3 hours from them, an hour and a half from XXXX XXXX, Mo. where I was last sent refused to do anymore leg work for them to resolve this matter. Note, I contacted them before we ever got to this point. XXXX XXXX corporate called me the next day. asked me again to go to another of their branches and resubmit everything. This time I went to the XXXX XXXX, Mo. branch. I once again explained my position. I was told they could resubmit my paper work but would still be considered as a credit risk until I paid over {$1200.00} to be caught up on my payments. This is n't renegotiating! I did submit the paper work again, they lowered my rate to 8 % and my payments to {$150.00} per month for 24 months. At the end of this loan I will have a balloon payment for the remainder. I turn XXXX in XX/XX/XXXX. I doubt I will ever get this completely paid but will do everything possible to keep my end of the agreement. My complaints are simple, 1- I notified them early and before they contacted me so an agreement could be reached. 2- I did all the leg work driving hundreds of miles trying to get a branch that would work with me. 3- Once the loan was refinanced my credit should have been restored to a good standing. 4- They and their branches lied saying at times I never showed, which I did, found out they only keep out of branch paper work a few days. The same as calling me a liar. 5- Each branch gave me a different amount to pay to get out of the rears or get a lower rate. XX/XX/XXXX I let them into my account to remove a payment of {$330.00}, this month the payment should be {$150.00}.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-12

Del City, OK

Taking out the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-03-11

DC

Shopping for a loan or lease

Consumer Loan: Installment loan

Complaint: I am receiving emails from Springleaf Financial Service indicating that they need to verify my income and identity to process my loan request. I have n't requested a loan from them.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-11

Camden, NJ

Taking out the loan or lease

Consumer Loan: Installment loan

Complaint: Yesterday, XXXX XXXX, XXXX, I received a prescreened loan letter from OneMain informing me that I was prescreened for a {$6000.00} loan and that all I needed to do is to respond. Last night I responded at the website address listed on the prescreen letter, that is, OneMainFinancial.com/applynow, and filled out the application. This morning I received a phone call from a representative from the local OneMain branch, phone number XXXX. I answered all of the question including whether I had ever filed for bankruptcy. The gentleman than informed me that my full credit report was required to be pulled and that it was not a big deal because my credit report has been already accessed. The gentleman insisted that I was not pre-qualified just because the letter says that I was prescreened. The gentleman than stated that I could not be pre-qualified unless my full credit report is accessed. I reiterated the fact that under the FCRA a prescreened offer must be a firm offer and that I should have already been deemed to have met the OneMain creditworthiness criteria. He then transferred me to the branch manager, XXXX XXXX, who informed me that my credit report was not accessed. I asked what information did OneMain require to pre-qualify me. XXXX XXXX failed to answer my question and informed me that I was denied credit based on my conversation with the representative. I hung up and then received a phone call from the district manager, XXXX XXXX or XXXX. The district manager informed me to call the local branch again and restart the application process. I contacted XXXX XXXX and she informed me thew district manager would be contacting me. I was not contacted by the district manager so I called the number in my caller id. The district manager was not available but the gentleman that answered the phone conveyed a message from the district manager to the effect that I was denied credit because I said that I had a bankruptcy in XX/XX/XXXX. This ordeal constitutes harassment because I was led to believe that I was prescreend thus pre-qualified for the {$6000.00} loan. I do not know at this point t if OneMain pulled my full credit report or who performed the prescreening with an unknown credit bureau.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-03-10

Juniper Hills, CA

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: When I signed the papers, every time it said no penalty for early repayment, the agent put his finger on the page to point that out, so his finger hid the next line, which said : but you still have to pay the interest for the full term.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-09

Evansville, IN

Improper contact or sharing of info

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

Talked to a third party about my debt
Complaint: I was called by the One Main Financial store in XXXX XXXX ( I do n't have a loan with them, I have one with the XXXX KY office. ) This girl named XXXX from that office called my cell phone. My co-worker answered and she told him that she needed to speak with me about a legal matter. She told him where she was calling from and told him that they were filing court to garnish my wages. One Main Financial 's representative violated my personal privacy about my financial situation. She should NOT have told him any of personal information. Then she threatened me with legal action.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-09

Evansville, IN

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: I was called by the One Main Financial store in XXXX KY. ( I do n't have a loan with them, I have one with the XXXX KY office. ) This girl named XXXX from that office called my cell phone. My co-worker answered and she told him that she needed to speak with me about a legal matter. She told him where she was calling from and told him that they were filing court to garnish my wages. One Main Financial 's representative violated my personal privacy about my financial situation. She should NOT have told him any of personal information. Then she threatened me with legal action.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-07

Cartersville, SC

Managing the line of credit

Consumer Loan: Personal line of credit

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-06

Detroit, MI

Improper contact or sharing of info

Debt collection: I do not know

Contacted me after I asked not to
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-04

Great Bend, PA

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-04

North, NC

Shopping for a loan or lease

Consumer Loan: Installment loan

Complaint: THERE IS TWO HARD INQUIRES ON MY CREDIT REPORT THAT I DIDNT CONSENT TO AND I HAVE ASKED FOR PROOF OF THE APPLACTION BUT ONE MAIN FINACIAL HAS FAILED TO DUE SO
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-03

Wheeling, IL

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-03-03

TN

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I took out a {$4000.00} loan with Springleaf Financial Services. I applied online for the loan. I went into the company 's office to pick up the loan check and to complete the process.The loan term was to be 36 months, with a payment of {$190.00}. The loan specialist showed where they had applied several insurances unemployment, XXXX, and XXXX different accidental death. I told him I did not want the insurances. The worker assured me the insurance would be removed from the loan. The date of stated above loan was XXXX/XXXX/2015. According to Springleaf policy my documents would be emailed to me. I made 10 payments on time .i received {$1500.00} loan on XXXX/XXXX/2015. It was to be same 36 month term as the first loan. Payments were to be {$260.00} a month. As before I did not want the insurance. I received my payment statement for the combined loan with a balance {$12000.00}. I had only borrowed a total of {$5500.00}. I called spoke with XXXX the manager, she told me if I only made the minimum payment it would be the {$12000.00} amount. I went to their office and got the paperwork I never received. I am completely horrified at the amounts I was charged and what was added to not one loan but both! The XXXX loan I was charged {$1100.00} for insurance premium s I had declined. I only borrowed {$4000.00} but it showed I had financed {$5100.00} with pre computed interest added {$3100.00} with the loan term 42 months! This was not the amount and terms I had agreed. The 24 % APR turned out to be 28.86 %. The XXXX loan was combined and another {$2000.00} in insurance premiums added to the original {$1500.00} loan amount. The amount financed was {$7500.00} with interest {$4900.00}. The term was for 48 months This is predatory lending at its worst! I have called and spoke to several staff and managers each time I am told something different. When I said I did not want the insurance on either loans and it was only 36 months. XXXX said I could not pick the loan term duration ... Why was I asked then! The insurance premiums total the amount of {$3200.00} then with pre computed interest added to each payment, over {$5000.00} added to the original loan amount combined of {$5500.00}. I have kept my ground and when they realized I had been charged for the same type insurance twice on the last loan, they made arrangements to refund the premiums of the XXXX loan in the amount of {$2000.00}. I do not find this acceptable. I want the amount of the XXXX loan insurance premium {$1100.00} plus interest that was added to the full amount of {$3200.00}.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-02

Hickory Hill, TN

Taking out the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-01

Gloucester City, NJ

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-01

Eatontown, NJ

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response