ONEMAIN FINANCIAL HOLDINGS, LLC

2015-06-22

Columbia, SC

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-22

Columbia, SC

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-20

SC

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: 2010 I modified a mortgage loan. Caught up XXXX payments w/ American General. They lowered my interest rate XXXX. After I got divorced, XXXX again I wanted to modify my loan thinking I could get a lower interest rate catching up XXXX payments. I got my signature notarized at my local bank and sent XXXX now Springleaf ) papers. Thinking they XXXX again lowered my interest rate cause my payments were lower. They had taken away seven years of payments and put it back to 20 years. I told them it was n't right and I did n't realize they took away 7 years of payments at XXXX a month and I 'd sue them. The next month Springleaf sold my Mortgage to XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-19

San Jacinto, CA

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Complaint: This company, Spring Leaf, formerly called American General showed up on my credit report as owing them XXXX. This company kicked me out of my house at XXXX XXXX XXXX XXXX an sold the house XXXX, than the manager called and said I qualified to a medication, a government HARP loan. they had already sold the I had a XXXX ( documented ) because of their behavior I spent XXXX days in the hospital because of them, this behavior violated my 4th amendment rights to the constitution against illegal search and seizure and my 5th amendment right to the constitutional they paid no compensation during the economical melt down
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-17

CA

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Complaint: Co-owners ' rights and obligations can be altered by a written agreement. The rules described below apply unless a written agreement exists that provides differently. TENANCY IN COMMONExcept for married couples or registered domestic partners -- who are presumed to acquire all property as community property -- persons who acquire real property jointly normally own the property as tenants in common, unless the instrument under which the property is transferred to them provides otherwise. All co-tenancies between unmarried persons that are not expressly made joint tenancies or partnerships are tenancies in common. A few of the key features of a tenancy in common are : Ownership and Transfer. Unlike joint tenants, tenants in common can own equal or unequal interests in the real property they acquire, and may acquire their interests from different sources at different times. Each tenant in common may sell or encumber his or her interest without the knowledge, approval or consent of the other co-tenants. A tenant in common has no right to convey any other co-tenant 's interest, and any such attemptedTHE PROPERTY IN QUESTION WAS IN A TRUST WHERE ALL BENEFICIARIES WERE TENANTS IN COMMON INCLUDING THE FORMER TRUSTEE ( BENEFICIARY ) BUT AMERICAN GENERAL FINANCIAL/SPRINGLEAF ENCUMBER THE ENTIRE REAL PROPERTY WITH AN UNFAVORAL LOAN PER THE PROBATE COURT, WE HAVE TRIED OVER AND OVER TO FIND OUT HOW THE FORMER TRUSTEE GOT THE LIEN WITHOUT THE PERMISSION OF THE BALANCE OF THE BENEFICIARIES. HE DID NOT REPORT THE SETTLOR/TRUSTEE 'S DEATH FOR ONE YEAR 4 MONTHS AFTER SHE DIED AND 5 MONTHS AFTER HE TOOK OUT THE LOAN ON THE PROPERTY. THE REAL PROPERTY IN THE TRUST WAS THROWN INTO FORCLOSURE BECAUSE NOW SPRINGLEAF FINANCIAL WOULD NOT WORK WITH THE NEW TRUSTEE OF THE TRUST.But that does not mean that the other beneficiaries are responsible for that loan that is his along even though he was theTrustee he is also a beneficiary and must not be partial in dealing with the trust property '' IN THE TRUST IT STATES THAT IF ONE OF THE BENEFICIAIRES DIE THEIR " ISSUE '' IS TO INHERITE THEIR SHARE, Equal Right to Occupy the Entire Property. Although tenants in common can own unequal interests, unless agreed otherwise in writing all tenants in common have an equal right to possess and use the entire jointly owned property. No co-tenant may exclude any other co-tenant from any part of the jointly owned property. Because all owners have an equal right to occupy and use the entire property, no tenant in common may collect rent from another co-tenant. THE COURT ORDERED XXXX TO PAY RENT BECAUSE HE HAS ALREADY MOVED HIS FAMILY AND HIMSELF IN AND HAS NOT COMPENSATED ANY OF THE BENEFICIARIESNo Survivorship Right. A key feature distinguishing a tenancy in common from a joint tenancy or community property interest is that a tenants in common interest carries with it no survivorship
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-15

Barry University, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-15

Whipple, OH

False statements or representation

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

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-15

Des Moines, IA

Taking/threatening an illegal action

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

Threatened to sue on too old debt
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-12

Cadwell, GA

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

2015-06-12

Cambridge, OH

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

2015-06-12

Denver, CO

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-11

Lenzburg, IL

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I took out a Loan with XXXX XXXX in XXXX XXXX with a credit Limit of XXXX dollars. I paid faithfully until XXXX when the entire company disappeared. During the entire payment cycle with XXXX the principle somehow never went down. I paid at least a hundred a month for 4 years and they would credit it late or tack on some fee. It was horrible. I heard nothing from these thieves and without a place to pay, I just quit figuring that they would eventually tell me if I owed them. XX/XX/XXXX, I was contacted by a business called Springleaf Financial Service of XXXX IN and was told that they had been looking for me and mailing me offers to settle. This was absolutely not true. I have lived in the same house since XX/XX/XXXX and my contact information has n't changed except for my work phone number since that time. The collection person said that they had purchased the loan from XXXX. I told the collection person that I did not conduct business on my phone and had no idea who they were. I said if you believe I am the correct XXXX XXXX send me something that proves your claim. Springleaf Financial sent me a copy of the XX/XX/XXXX Loan Agreement. Nothing else! No Balance no payment history no balance? I do not know my rights and frankly I am afraid to deal at all with this company. The scariest part is that this revolving loan has a home equity attachment. Please help.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-10

York, ME

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-09

San Jacinto, CA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: Spring Leaf ( Formerly .XXXX ) had a loan on our house at XXXX , we paid every month for 180 months when the economy wen belly up in XX/XX/XXXX we called them immediately an let them know that we needed a modification, They responded by plastering forclosure notices all over the property, they kicked us out, and auctioned the property on the courthouse steps in XXXX XXXX , They robosigned the papers that is how they worked so fast. They called us up and told us that we qualified for a modification a HARP loan. trouble is they already sold the house. we moved to XXXX into a mobile home. since AGF sol the house for less than what we owned them they should have adjusted our biill accordingly, When I pulled a credit Report on XX/XX/XXXX I saw that SPRING LEAF formerly American General Finance had a balance of XXXX and Change since they admitted they made a mistake in taking our house and that we qualified for a HARP loan or modification, we feel that Spring Leaf or American General should make us whole again
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-06

Miami, FL

Taking out the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-04

Chatham, OH

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-03

Juniper Hills, CA

Taking out the loan or lease

Consumer Loan: Installment loan

Complaint: Springleaf Financial of XXXX, CA Office refused to give me an approved loan after the review of my XXXX Bank Statement showing that I was making Installment Loan payments to XXXX XXXX and offered Today to reimburse me for gas and mileage from XXXX CA to XXXX and return.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-03

Toppenish, WA

Improper contact or sharing of info

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

Talked to a third party about my debt
Complaint: This is for a personal loan. Have constantly contacted XXXX of my references after being told to stop. Have harassed my wife at work. Constantly calling my house. All this because i am XXXX payments behind because i am on permanent XXXX now. i have not missed a payment in XXXX months and pay extra.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-02

Fontana, CA

Shopping for a loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-02

NC

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-02

Federal Way, WA

Incorrect information on credit report

Credit reporting:

Public record
Complaint: TALKED WITH XXXX CREDITORS THEY TOLD ME THAT THE WHERE NOT THE XXXX KEEPING THIS DISPUTE ON MY CREDIT REPORT /BANKRUPTCY XX/XX/XXXXPAID IN FULL THIS DISPUTE WAS ADDED IN XX/XX/XXXX? PLEASE REMOVE IT. THIS IS KEEPING MY GOOD CREDIT SCORE DOWN AND I AM TRYING TO REFINANCE MY HOME. THIS WAS CLEARED ON MY BANKRUPTCY/ SPRING LEAF AFFIRMED AND XXXX AFFIRMED THEY ARE NOT HOLDING THIS UP
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-30

KY

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I borrowed approximately {$11000.00} from Springleaf Financial. A couple months later I made a call to pay the entire balance off. The lender told me if I would leave a small balance they would report to my credit to improve my score. I asked if the interest would be on the balance only because I no longer needed the money they lent but did want a higher score. They agreed and told me I would not owe any payments until XXXX. I paid them {$10000.00} that day leaving an {$1100.00} balance. Statements were sent with no details of interest except {$0.00} due. Now years later they want to charge me interest on the entire XXXX. In other words they want to charge over {$7000.00} interest on a balance of {$1100.00} loan.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-29

FL

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I applied for a credit line on XX/XX/XXXX for {$14000.00} and paid my bill on time every month. The amount I paid was {$46000.00} to XXXX until they sold my debt to Springleaf on XX/XX/XXXX and I keep paying {$230.00} each month until today. As yo can see my debt was paid XXXX times more and my balance with Springleaf still {$12000.00}. I try to contact them and ask a debt reduction but they told me any deal on this issue. I found this company on XXXX with a very bad reputation.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-29

Vineland, CO

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: XXXX purchased my loan from Springleaf in XXXX 2014. XXXX states XXXX of my {$500.00} XXXX payment was kept by Springleaf XXXX XXXX also states an additional {$390.00} was billed from Springleaf for repayment of Corporate Advace. XXXX provides no proof of this and refuse to bring my account up to current status. Please review your records for these transactions. XXXX statementWe have conducted an investigation, and it was determined the error asserted within your correspondence did not occur on the account. Our records indicate the servicing responsibilities for the mortgage loan account transferred to XXXX, effective XXXX XXXX, 2014. Enclosed for your review is a copy of our Welcome Letter, dated XXXX XXXX,2014. At the time of the transfer, the mortgage loan account was next due for the XXXX XXXX, 2014 monthly installment. The Springleaf Financial Services ( Springleaf ) transaction history reflects the receipt of {$500.00} on XXXX XXXX, 2014 ; however, at the time of transfer Springleaf forwarded the partial balance amount of {$240.00}. The funds received were not enough to complete the monthly installment amount. In reference to your concern regarding the fee of {$390.00}, please be advised this was not a fee charged to themortgage loan account by XXXX. This amount was an adjustment to the XXXX XXXX balance which transferred from Springleaf.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-28

Holbrook, NY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response