ONEMAIN FINANCIAL HOLDINGS, LLC

2015-08-31

Okc, OK

Taking out the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-28

Co Spgs, CO

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-28

Poplar, CA

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-27

Jackson, MS

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-24

Kingstree, SC

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-24

Pueblo, CO

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-24

Macclenny, FL

Disclosure verification of debt

Debt collection: Medical

Right to dispute notice not received
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-20

Oakland, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-19

East Troy, WI

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: We have a letter from Springleaf Financial showing that they reported our account incorrectly to the credit bureaus. WE were in a bankruptcy and in the process of having it dismissed when Springleaf started reporting our loan as delinquent even though we could not communicate with them. When we got out of the bankruptcy, we went into negotiations with them to pay them back. We paid them back when we sold our house in full. They incorrect reporting has continued to hurt us to purchase a home.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-17

Cape Coral, FL

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-16

IL

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: Hello, I have a revolving line of credit ( {$15000.00} ) offered to me after buying an automobile ( in XX/XX/XXXX ) through XXXX where my monthly payment was based on {$100.00} a month for every {$5000.00} borrowed. The car is 'paid-in-full ' however, I 've yet to make a dent in the additional loan, but I 'm paying on time. My loan was sold to Springleaf Financial ( SLF ) from XXXX around XX/XX/XXXX/XX/XX/XXXX. Since that time I 've had XXXX serious issues come to light in the management of this loan. My situation at present is as follows:1. I was assessed 'late payment ' fees immediately after coming under ( SLF ) yet I left XXXX with my account current and up to date. 2. My monthly payment was increased from {$310.00} p/month to {$340.00} p/month ( XX/XX/XXXX ) without signing any amendment to my original contract under the pretense that I would have more borrowing power in the future if I needed it. I felt fine were I was but felt if I could not pay my loan off in full, I would have to agree and pay ( nothing was signed or said ). My inner thought on this was what if I did n't have the extra money to do this? Where would I been then? There are horror stories on the web on how this institution has messed up family lives and finances! 3. This last one is the kicker : I 've been charged this month ( XX/XX/XXXX ) with an 'Annual Fee ' of {$50.00} for what reason I do not know! I thought this was a fee credit card companies imposed on the use of their card ( s ). Bottom-line though, I was not informed of this at all nor was I ever paying it when I was with XXXX! It just showed up on my statement. What 's also strange is that it was assessed this month yet in the block 'Fees charged in XX/XX/XXXX ' - the column has XXXX in it!!!! As far as I know, I did n't pay this last year. ( See attached billing statement ). My initial thought was to immediately confront then on their latest 'money grab, ' but I thought better of it once I discovered there was a federal entity that deals with such matters. Should I report my latest 'eye-opener ' to them and then mentioned my XXXX previous incidents, or do I wait until you 've had a chance to review my concerns and provide some guidance maybe? I 'm in no hurry, but I would like to know what 's going on with this company. I 'm sure there may be other customers asking themselves the same question! My last XXXX concerns, ( 1 ) if I make an attempt to understand what 's going on would it in effect put a target on my back by complaining about these seemingly small breaches of protocol on contract management? ( 2 ) Due to inaction on my part, have I lost the opportunity to effectively complain at this point?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-12

Chicago, IL

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: My name is XXXX XXXX and I made a huge mistake by co-signing for my daughter on a car loan with the company Spring leaf financial. They could not approve my daughter at the time because of her credit score so giving the benefit of the doubt and trusting my daughter I went ahead and co-sign for her. She then took the car and did n't starting to make payments and I was been called at work at that time. It end it up that she surrender the car and Springleaf financial auction the car and what ever the price was given was subrtatced from the remaining balance. At this time I was working but as of XXXX XXXX, 2015 I am no longer working and am on a fix income for XXXX. This company has never once tried to help me with this situation and I asked on several occations that they take me off the contract but their excuse was that my daughter credit was not good enough for her to stay on the loan. XXXX of the employer their by the name of XXXX in the XXXX location has been nothing but unprofessional, rude, and disrespectful to me all the time I have tried to call and speak with him. I have to get the district manager XXXX to get involved due to his employee actions and attitude. Now my daughter ever since has been making the payments on this account and has fully been in contact with XXXX even has made payment arrangemenst with him. She could n't keep up with the payment so I was told I could refince the loan but XXXX XXXX will have to be taken off the loan. With that said I went ahead and refinance the loan for her because she asked me to. The payment were lowerd but not by much. Just the other day I receive XXXX letters from Springleaf financial stating that payment has not been done for the account. I called XXXX and once again very unprofessional and rude clearly stated that they were going to reposses my car that is paid off in full because it was being used for collateral. At this time I stated that I was not working not receiving unemployment and was on XXXX. But XXXX did n't care he said I need to pay the account. I then gave him my daughter work number and they payment arrangement to pay the account. I also spoke to the District manager XXXX who respond was that he was n't going to allow for my car to be reposed and that he will get of hold of XXXX. The next day I decided to call XXXX thinking that some resolution can be made but his response was that my daughter called XXXX and stated that we were having family problems. I then responded and said what does that have to due with anything. I need to know how can I go about this situation and not end up in collection. I did explain to him that I was n't working and I was under XXXX. But he did not seem to care and just said you are having family problems. Now come to find out my daughter will not be paying the account and I do n't know how I will get the money to pay for this account due to my fix income. What can I do at this time? I need help? Can you please help me to see how I can I go about this and who to go to for help. I am not working and making those payment will really cause me to have no food or be able to pay my monthly expenses like rent, light, gas, car gas, and food. I need help.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-11

Phila, PA

Managing the line of credit

Consumer Loan: Personal line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-11

San Antonio, TX

Shopping for a line of credit

Consumer Loan: Personal line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-10

Ballardsville, MS

Communication tactics

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

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-07

Mabank, TX

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I OVERPAID THE LOAN, which was a ZERO INTEREST LOAN, as long as I made the 6 payments plus a balloon payment at the end. I did that. SpringLeaf a month later refunded the over payment. Then they began sending me letters because I was such a good customer. Then two years later they claimed I owed them some monthly payments. They are ruining my credit. I believe the underlying merchant asked them to lie about my payments so they do not have to perform warranty work. I would like you to investigate them. I sent them a nice letter asking for a history of all payments and they have ignored my request.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-06

Beavercrk Twp, OH

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed

Disputed: No Timely Response

2015-08-06

PA

Disclosures

Other financial service: Debt settlement

Complaint: Springleaf Finance have XXXX hard inquiries on my credit report viaXXXX XXXX who matches you with a creditor. They were not suppose to put hard inquiries on my file. XXXX preapproves you before you get to next step. I applied to this company XXXX time in XX/XX/2014. Now I have XXXX hard inquiry. False advertising. I tried talking with them about the problem, but theyRefused my rights as a consumer and would not listen to what I said. Please notify these companies as it has impacted my credit score.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-06

IL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Some one from XXXX XXXX keeps calling my work phone number and hanging up. I spoke to a rep once and informed that the person they are trying to reach no longer works here. They call every other day and hang up as soon as i answer the call.
Company Response: Closed

Disputed: No Timely Response

2015-08-05

Katonah, NY

Communication tactics

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

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-05

Manhattan, NY

Managing the line of credit

Consumer Loan: Personal line of credit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-05

ME

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I had a mortgage with Springleaf Financial starting in XXXX. I did a loan modification in XXXX XXXX in XXXX XXXX they did an escrow anaslysis and their party company that does the taxes and insurance reported we owed more taxes. So Springleaf increased my payment ( I was unaware ). I kept on making my regular monthly payments but because of the inaccurate report from a company they hired the payment was not distributed correctly which made me 2 months behind. I XXXX XXXX they realized the error but they did not go back and recalculate the payments to bring me current. Instead my mortgage was sold to a company that has a BBB of an F and reported as two months behind.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-04

Carrigan, IL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-04

Washington, DC

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Complaint: I had a second morgage on my old house with my exhusband. We were divorced and I have a quit deed on the property, as well as my exhusband taking full responsability for the loan on my divorce decree. The issue was it was a secure open line of credit so they still were holding me accountable for the payment. Intially Springleaf told me they were going to take me off the loan. AlI I needed to do was send them all the proper documents, which I did but they never took me off. I disputed the loan several times and it came back that I was responsable. Last year my ex decided he was going to stop paying the loan and now the loan has went into default and I have a negative charge on my credit. I again decided to contact springleaf about the issue and included my SCRA trying to come to a resolution but I never got a response back. I seeked help from a finacial advisor and was told to file a complaint here for help. I am an Active-duty Service Member and was told that my case should be handled by XXXX office.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-04

San Antonio, TX

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I borrowed {$5000.00} from Springleaf Financial for 4 years at 25 % interest to reestablish credit. They are now showing my balance not the statements and my credit report to be {$9300.00}. I called to get an explanation and they claim that that will be the total that I pay should I pay it off in the time allotted. I explained that their reporting is incorrect, they should only be reporting the amount borrowed. I called to get copies of my contract on XXXX separate occasions and they still have n't sent those to me. You are only granted access to your loan documents online for XXXX days, after that you are locked out. They claim I signed something agreeing to my balance being over $ XXXX rather than the $ XXXX borrowed, I was never asked that question, why would I agree to that? When I took out the loan, the rep reviewed the paperwork on her computer screen and just ran thru the documents quickly, she later brought out copies to be signed and told me they were identical to what she had gone over on the screen. She also told me that the loan came with credit life, unemployment and XXXX insurance as part of the loan. It was presented as mandatory, turns out I 'm paying a fee for that as well,
Company Response: Closed with explanation

Disputed: No Timely Response