ONEMAIN FINANCIAL HOLDINGS, LLC

2015-05-28

Escondido, CA

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-26

Heathrow, FL

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-26

CA

Can't contact lender

Consumer Loan: Title loan

Complaint: APPLIED FOR A PERSONAL LOAN ON XX/XX/2013. I WAS A MEMEBER OF THE XXXX. RECEIVED A CALL STATING I WAS APPROVED FOR XXXX UNSECURED LOAN. AT THE SAME TIME I HAD LENDING CLUB WHICH FOUND OUT LATER IS LIKE A MONOPOLY OF FINANCIAL INSTITITIONS ON THE WEBSITE SCAMING CONSUMERS. I WENT IN AND WHEN THEY DFOUND OUT I HAD XXXX MORE PAYMENT LEFT TO PAY OFF MY CAR SHE INCREASED THE PERSONLA LOAN TO XXXX. SHE OFFERED AS A GOOD GESTURE TO TAKE MONEY OUT OF MY LOAN ANDD SENT XXXX A CHECK SO I DID NOT HAVE TO DEAL WITH IT. AT NO TIME DID SSHE SAY SHE WAS GOING TO USE MY CAR AS COLLATERAL. I NEVER RECEIVED MY PAPERS THE DAY I SIGNED THEM. I WAS TOLD IT WAS AGAINST THE CO POLICY. I PURCHASED UNEMPLOYMENT INSURANCE BUT WAIVED LIFE INS. LATER ABOUT XXXX DAYS I NOTICED THAT THEY WERE THE LIEN HOLDER. I EMAILED XXXX TIMES. NO RESPONSE. I FILED COMPLAIN WITH XXXX, CONSUMER PROTECTION BUREAU. ALL HAVE BEEN IGNORED BY THE COMPANY. THEY CLAIMED THEY DID NOT KNOW I WAS A XXXX. WHEN I FINALLY RECEIVED PARTIAL PAPERWORK COPY OF MY MILITARY ID WAS IN THERE. ALL APPLICATIONS WERE BLANK. MY DMV PAPERWWORK WERE BLANK. IT WAS LIKE I WAS ORDERED FORMS. I AM PAYING OFF A XXXX LOAN. THE ORIGINAL WAS XXXX MY ANNUAL PERCENTAGE IS 33 %. THEY HAD THIS IN MY CREDIT REPORT UNDER A CAR LOAN WHICH ATER MONTHS OF SCREAMING THE DI CHANGE TO PERSONAL LOAN. PLEASE HELP ME OR STEER ME IN A DIRECTION SO I CAN GET JUSTICE. I AM NO LONGER TO THE MARINE BELOW. AT THE TIME I WAS LEGALLY MARIED. I AM NOW REMARRIED AND I AM ALKSO A XXXX NOW
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-21

Andersontown, PA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-21

Newnan, GA

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Complaint: I 'm in the process of a deed in lieu with XXXX XXXX XXXX under the ( HAFA ), where they are allowed up to {$12000.00} to pay off a lien. in my case being a XXXX mortgage of less than {$10000.00}. Springleaf Financial the XXXX mortgage, as well as XXXX have all the information provided to them, phone numbers, fax numbers, account information everything needed to get a negotiation done. Springleaf even after several months of me calling and faxing them information and after XXXX has mailed them an offer do n't seem interested in a settelment. they have written this account off in XX/XX/XXXX, and only seem interested in 1 payment on original loan. Is there anything that can be done to settle this matter before this turns into a full foreclosure. Thank You XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-21

Gary, IN

Communication tactics

Debt collection: Medical

Called outside of 8am-9pm
Complaint: They are calling before XXXX and constantly calling during times I am at work or in school. I 'd rather just get correspondence.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-20

Campbell, CA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-05-15

Cincinnati, OH

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-15

FL

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: My significant other took out a loan through Springleaf financial and asked me to cosign. I was reluctant from the beginning and have since dicsovered several things about the loan that appear to be unfair, dishonest and misleading. Shortly after taking the loan out, XXXX XXXX attempted to deposit the checks she received. They were returned and springleaf explained that they had to be endorsed and sent to the creditors. At this point I contacted the springleaf branch and explained that I was not comfortable with the loan and would refuse to sign/endorse any future papers or checks. Springleaf dishonestly reprinted the checks leaving my name off ( the contract clearly states that several of the checks are to be printed with my name on them ). This was done to be dishonest and refuse me any right of to reverse the terrible decision made. I have copies of the checks to verify that my name was ommited. I obtained a copy of the contract and in reviewing it noticed that a life insurance was applied. XXXX and I were never had any insurance explained to us or told that voluntary insurance was being applied to the loan. We had no idea what this insurance was for and why it is on the loan. I find this very unfair and dishonest by springleaf. When I reached out to the insurance company they explained that they are owned by springleaf financial. Further explanation of the insurance explained that the coverage is used to make sure that in case of the borrower 's death financial obligation of the loan would be removed from her spouse/life partner. Being that I am the cosigner it would not remove my obligation and therefor is completely useless and we would never have agreed to such insurance had it been explained. During the loan our loan officer pointed and told us where to sign, initial and date with no explanation of any insurance. Springleaf 's reporting to the credit agency has had a very intense and harmful affect on my personal and private life. I have asked them on XXXX seperate occasions to stop reporting to the credit agency. These attempts are verifiable through XXXX complaints and emails. Springleaf is still reporting and refuses to stop. I have reached out to the branch manager, Distric Manger, corparate office, legal department and submitted a XXXX complaint and springleaf on all occasions refuses to acknowledge their wrongful practices. As a consumer I have rights and feel that springleaf financial has violated my rights by refusing my request to cease contacting any and all credit agencies regarding their loan, by going against the terms of their loan and dishonestly writing checks with my name deliberately omitted, and by forcing useless voluntary insurance on a contract without explaining it.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-12

Frankfort, KY

Shopping for a loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-12

Discovery Bay, CA

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I had a loan through Springleaf which was paid off XXXX XXXX/XXXX/XXXX. Despite my phone calls they continue to bill for this and add late charges and fees. I believe this is effecting my credit score negatively. I spoke to a representative named XXXX XXXX on XXXX/XXXX/XXXX who told me my balance would be set to zero. But I received another statement claiming I owe {$16.00}. Now I 'm trying to reach them by phone ( again ) but the phone system no longer lets you talk to a live person. I am writing a letter to Springleaf today, but without help I believe they will just ignore my requests.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-11

Marion, IL

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-09

Bremen, GA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: Despite my informing my XXXX mortgage holder with regards to my reduced income and the inability to pay on or prior to XXXX of the month, I am receiving repeat phones calls daily from Springleaf Financing. I always pay on or before the XXXX of each month. My payment is due on XXXX and by XXXX without a late fee! It is now XXXX XXXX Eastern Standard Time on Saturday, XXXX XXXX and already received 4 calls from them. I no longer answer them and they are calling on my cell phone as well! I have asked they never use that number, but they chose to ignore. The interest rate is also very high! Please help in getting this matter resolved!! Thanks in advance, for any assistance that you may be able to provide. Sincerely, XXXX XXXX XXXX XXXXXXXXXXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-08

Algonquin, IL

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-07

All Healing Springs, NC

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-06

Atlantis, FL

Taking out the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-02

MS

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: The loan is paid in full due to a garnishment from my check now will not remove the balance of XXXX dollars. Have proof it was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-28

Chickasha, OK

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-28

San Diego, CA

Disclosure verification of debt

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

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-04-28

GA

Taking out the loan or lease

Consumer Loan: Installment loan

Complaint: I went onto Springleaf 's website to see if I prequalified, and it states " I understand that checking to see if a prequalified offer is available for me will not affect my credit score and that this is not a loan application. If an offer is available for me, I will still need to apply. '' So I have never been told that I need to apply, I was asked more information. This morning I had a hard inquiry but I never signed anything or was told that they will be doing a hard pull on my credit report or I would have not gone through with giving anymore information. I called and the lady said that ALL financial companies do a hard pull. So I feel like they trick the customer by showing this will no affect your credit score. They should have told me that up front but they did not.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-04-27

Brooklyn, NY

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-24

Piedmont, SC

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-24

Sigel, PA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-24

AL

Communication tactics

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

Frequent or repeated calls
Complaint: My wife and I always accepted there calls. we ask them not to call a certain number due to my parents are sick XXXX.They still call. I spoke with XXXX XXXX she said she was a manager i explain to her that I was n't working I was trying to get my paper work in from the doctor so I can return back to work that I will send a payment in soon as I start receiving my pay check. XXXX XXXX made a statement saying do n't you need to go and aply for food stamps. I think that is very unprofessional. I ca n't help I had XXXX I was paying on time never missed a payment.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: No Timely Response

2015-04-21

CA

Charged fees or interest I didn't expect

Payday loan:

Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: No Timely Response