ONEMAIN FINANCIAL HOLDINGS, LLC

2015-07-31

Eller, NC

Taking out the loan or lease

Consumer Loan: Installment loan

Complaint: OK I NEVER TOOK OUT A LOAN WITH SPRINGLEAF FINANCIAL BUT IN MY CREDIT REPORT I HAVE INQUIRES ON MY CREDIT REPORT. I HAVE WROTE TO SPRINGLEAF AND ON XXXX/XXXX/2015 I GOT A LETTER SYING THAT THE INQUIRES WOULD BE REMOVED BUT AS OF XXXX/XXXX/2015 THE INQUIRES IS STILL ON MY CREDIT REPORT
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-28

NY

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: We have had this loan for greater than XXXX years, originally as a home equity loan. Late payments were made however payments were always made. We placed it into consumer credit counseling in XX/XX/XXXX when the owner refused to work with us to lower the interest rate so we could pay it off. at this time, we believe it is a negative amortization situation. At this time the owner still refuses to accept a payoff to end the loan ( a reasonable payoff ). We continue to make payments via the consumer credit counseling service and have until XX/XX/XXXX left to pay on it at the current rate. The owner company has more than recuperated their principal amount with interest. The original interest rate was over 20 % and was paid like that for many years.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-24

AL

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I have had several small personal loans by an agency Springleaf which was held by a company in XXXX AL ... I had one renewed and I noticed that everytime I made a payment nothing was being deducted from principal. So when I investigated the previous loans they were the same. So I believe I had been trapped in a predator loan which would never have been repaid back. I am a XXXX and not been well and recovering from a bad case of XXXX. During this time period I suspended payments and I started get calls from several different phone numbers demanding payment in full and threatening jailtime and other very undignified calls. A couple months ago I received a letter stating the company had been sold out and a new loan had been reissued from a Springleaf company at XXXX XXXX XXXX IN XXXX. I keep getting many threatening phone calls all hours of the day and night. Something is seriously wrong with this account.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-21

East Troy, WI

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: In 2005 I got a loan from XXXX XXXX. I paid every month, never missed a payment. After a couple of years, with life events, the balance got maxed out at {$14000.00}. When i started with them, the payment was {$75.00} and eventually got up to {$260.00}. I never missed a payment. They sold my account to someone else and than finally sold it to Springleaf Finance. I never, in all those years missed a payment, with any of the company's.I did have to file for a hardship recently due to the fact that my Pensions took a hit when I turned XXXX. Springleaf agreed and helped me with a lower payment and a lower % rate. I have never missed a payment with them. After 10 years of paying and never missing any payment, my balance has gone down by {$50.00}!!!! It has never gotten below {$13000.00} and at times has gone above the {$14000.00} max. How can that possibly be legal. I will be turning XXXX in a couple of months and I had expected to have this paid off by than, but the balance has never gone down. I have n't used the account in years except to pay the payment. Do I have an recourse with this? Should I hire an Attorney?
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-21

Disclosure verification of debt

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

Not given enough info to verify debt
Company Response: Closed

Disputed: No Timely Response

2015-07-18

Ardmore, NC

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

2015-07-16

Gastonia, NC

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: The creditor is calling everyone of our family members and friends. We do n't care if they call us, HOWEVER, we will not stand for the harassment of our family and friends. This is to file a major complaint against Springleaf Financial and its collection actions.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-10

Griffin, GA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-10

Oxford, GA

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: My wife and I have had a loan wit XXXX XXXX for several years. Although we were late at least twice on the loans, we caught them up. The loans were then sold to Springleaf Financial. Recently, I reviewed the payments on the loans and noticed that the amounts have never decreased since we have had the loans. XXXX loan is for {$15000.00} and another for {$5000.00}. XXXX loans are more than the original loans now and have not decreased. For example, we have paid more than {$60000.00} on the XXXX loan and I have no idea on the XXXX. When we tried to ask questions pertaining to why we have paid so much on the loans and they never decreased, we are either sent through multiple departments or referred back to the high interest rate and penalties on XXXX loans. I have discussed with several parties outside of the loan companies and no one seems to help. We both believe something is not right concerning the loans and the amounts we have paid on them, yet the amounts are not decreasing. Based on what is currently happening-WE WILL NEVER PAY THE LOANS OFF!! Please help. We have documents that can be sent.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-08

Merced, CA

Taking out the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-08

Baltimore, MD

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-07

Gentilly, LA

Received a loan I didn't apply for

Payday loan:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-06

Brick, NJ

Customer service/Customer relations

Other financial service: Debt settlement

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-06

Hazle Township, PA

Communication tactics

Debt collection: Payday loan

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-06

Fort Wayne, IN

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-03

PA

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: MY NAME IS : XXXX XXXX XXXX XXXX ) XXXXI BORROWED {$7000.00} FROM SPRINGLEAF FOR XXXX MONTHSAT {$3000.00} INTEREST FOR SAME PERIOD. I HAVE PAID TODATE {$8000.00}. I BELIEVE THAT I HAVE PAID THIS LOAN INFULL PLUS {$1000.00} IN INTEREST. NOW THEY ARE SAYING THAT I BORROED {$10000.00} AND I STILL OWE THEM {$2000.00}. THEY WOULD NOT TELL MEHOW MUCH OF MY {$280.00} MONTHLY PAY WAS APLY TOTHE INTEREST AND HOW MUCH WAS APPLIED TO THEPRINCIPAL. I AM ASKING YOUR HELP IN THIS MATTER. THANK YOU.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-03

Cordova, TN

Taking out the loan or lease

Consumer Loan: Installment loan

Complaint: I received pre-approved loan offer from Springleaf Financial a few wks ago for XXXX. I submitted an application over the internet which was only my name, D.O.B. & S.S. No. the application window closed & said approved : go in person to local office. Received phone calls daily and emails daily from Springleaf Financial with messages that did not identify who was calling, only that it was in regards to an application I submitted. I went in person a few days later after checking my caller ID, and was told by the senior loan officer my expenses exceeded my usable income for approval. The loan rep asked how much money I spent a month for gas to drive my car. I told her about {$80.00}. I was also told I had outstanding student loans posted for payment on my credit report/which I confirmed were not, and also that I could re-apply if I had someone in my household who had a job and would agree to complete an application for the loan with me. I was told the co-signer had to be living in my household in order to qualify only and I could not use a co-signer who did not reside with me. I was told I could look at my credit report later after I received a decline letter or so but the factors for viewing my credit report were not explained clearly. ( I have been viewing my credit report regularly this year on a website. ) The connotation was that as long as I was not able to view my credit report, she could tell me anything she liked about my ability to get approval. I asked what the procedure was for receiving loans and was told unclear repetitive information that did not specify credit scores, income/debt ratio, or sources of income. I told the senior loan officer I owned my home with no mortgage, and our monthly utility bill is paid by my adult daughter who resides with me. So my income to debt ratio leaves about {$800.00} a month in usable income. I was seeking to borrow the amount above for home repairs, and debt consolidation for credit cards. I asked if I could have a print out of the computer screen she was reading that indicated why I was denied for the loan. She declined. I felt the daily phone calls and emails were strong indicators that I was approved, specifically since I submitted my social security no. and date of birth in the application online a week or so before meeting with her.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-02

Lafayette Hl, PA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I have a loan with XXXX XXXX at XXXX XXXX XXXX XXXX. Pa. XXXX Their phone # is XXXX. XX/XX/XXXX I have received a message EVERYDAY on my home phone from XXXX at XXXX. His message varied about wanting to increase the loan and also stating I have not made my XX/XX/XXXX payment on time. Since I have auto pay with my bank and have never missed a payment to anyone in my life -- I basically ignore the calls. They continue. On XX/XX/XXXX I call XXXX. He says I did n't make my XX/XX/XXXX payment. I go online while he is on the phone and find the payment and and the picture of the check and stamp from XXXX. He does n't believe me-so I have to fax a copy of the cashed check to him. Then INCREDIBLY I get home and he AGAIN is on my home phone message saying that I have to now send a copy of my bank statement to show my bank took the money out of my account. I find that unbelievable but I complied. I have now sent by mail a copy of my bank statement with the check number and showing the bank cashed the check. XXXX calls ( Ihave all the messages ) -then a fax of the cashed check ( still not enough ) and finally I have to send my private bank statement to hopefully stop this harassment!!!! This co. and this employee need to be kept in check. Absolute harassment to make someone prove they paid you after I send them a copy of the check they cashed!!!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-01

Jacksonville, FL

Taking/threatening an illegal action

Debt collection: Auto

Seized/Attempted to seize property
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-30

Henderson, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-30

Bellingham, WA

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-30

OK

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: I requested a {$4000.00} loan from SpringLeaf Financial. Springleaf contacted me via e-mail and stated I was approved for the loan. When contacted, I was told and I have in writing that I would be saving on interest. Springleaf made me sign everything digitally and did not provide me with the documents. Additionally they took my vehicle title and will not return it. The interest rate of the loan is 25 % my original loan was 11.34 %, therefore my interest rate more than doubled.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-24

Simi Valley, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Springleaf formerly AGF continues to report a debt on my credit report " Settled less than full ''. This debt is not mine. It may be a credit line opened by my wife. I believe she settled it in 2011. I did not co-sign or have any knowledge of the transaction. Springleaf reported it on my credit in an attempt to bully me into paying my wife 's debt. After it was settled by my wife they continued to report it on my credit. Over the last XXXX years I have paid all of my creditors and other than my mortgage I am debt free. My credit would be excellent except that this company keeps putting my wife 's debt on my credit report. I have spoken with them many times and they are unable to come up with any evidence that the debt is mine but they continue to report it. I have disputed it with XXXX and they come back " verified '' but wo n't cant produce any supporting documents or tell me how it was verified. My complaint is against Springleaf for deliberating putting incorrect information on my credit report and against XXXX for not properly investigating.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-23

Gentilly, LA

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-23

Vienna, NC

Communication tactics

Debt collection: Mortgage

Called after sent written cease of comm
Complaint: After agreeing to make payments from this summer until loan was paid off, they agreed to this. Now I sold my home on XXXX XXXX XXXX XXXX, XXXX, NC, Springleaf has refused to re assign the property lien over to me so that I can avoid foreclosure. If the " short sale in lieu of foreclosure '' does n't close by XXXX XXXX, 2015, the home will be foreclosed. Please have Springleaf reassign the lien to me so that I can avoid foreclosure. I do not get proceeds from the sale.The loan manager on XXXX XXXX, by previous name American General, came on to me as harsh and rude. Now I am working with that home office to stay away from him, XXXX XXXX, XXXX XXXX XXXX XXXX, NC.
Company Response: Closed with explanation

Disputed: No Timely Response