Product: Payday loan, title loan, personal loan, or advance loan

Late XXXX XXXX Contacted One Main Loan company after several attempts to sell the XXXX XXXX and being told more than once that the XXXX  was not sellable because the amount owed was way to much. XXXX was not safe to operate on the roads and our XXXX would no longer allow it to just sit and leak fluids on the property. 

Late XXXX XXXX XXXX XXXX  of the XXXX XXXX XXXX order to remove it from property to prevent eviction status. 

XXXX XXXX Payment of loan for XXXX XXXX auto XXXX from XXXX  account of {$320.00}. Heard nothing from company XXXX XXXX Payment of loan for XXXX XXXX XXXX debited from checking account of {$320.00}. Heard nothing from company XXXX XXXX Payment of loan for XXXX XXXX XXXX debited from XXXX  account of {$320.00}. Heard nothing from company XXXX XXXX Payment of loan for XXXX XXXX XXXX debited from checking account of {$320.00}. Heard nothing from company XXXX XXXX Payment of loan for XXXX XXXX XXXX debited from XXXX account of {$320.00}. Heard nothing from company XXXX XXXX Payment of loan for XXXX XXXX XXXX XXXX from XXXX account of {$320.00}. Heard nothing from company XXXX XXXX Payment of loan for XXXX XXXX XXXX debited from checking account of {$320.00}. Heard nothing from company XXXX XXXX We started the process of buying a home. Learned that our One Main Loan account was reflecting no payments made since XX/XX/2023. Was informed that we needed to address this. Contacted One Main Branch in XXXX, XXXX where the loan originated from. Was told that we would need to contact the main office and their credit department. Contacted their credit department and was told that it was being reported correctly because we Voluntarily surrendered the vehicle. I disagreed because payments were made. Was then told that there was nothing I could do because that was their business practice since we were in default of the contract. 

XXXX XXXX Disputed credit reports XXXX XXXX received responses from credit reports. XXXX was corrected to reflect payments made and no longer over 90 days of late payments. XXXX XXXX XXXX were not corrected. Contacted One Main Loan company again. Was sent to several different people and told that we were late on payments and that's the reason for the XXXX  which is incorrect. 

Late XXXX XXXX Contacted BBB and made a complaint because I couldn't get credit reports to be fixed and reported accurately. 

XXXX XXXX Payment of loan for XXXX XXXX XXXX debited from XXXX account of {$320.00}. 

XXXX XXXX XXXX received response from One Main Loan Company stating that they have reported everything correctly and this issue was fixed. However, XXXX XXXX XXXX are still stating no payments made since XX/XX/2023. 

XX/XX/XXXX XXXX Received a priority mail letter from One Main Loan company stating that they have closed and charged off our account. They started the balance off at {$9300.00} and " their accounting '' of what we owe minus the fees and so forth. Our balance no due in full is {$5700.00}. 
May 4, 2024- I called the number on the priority mail sent and asked where the starting balance of {$9300.00} began at. I spoke with a lady and she could not find it. Said she would forward this up to her supervisor. I asked at this time " How do you not have a break down of the {$9300.00} because we have not owed {$9300.00} since XX/XX/2023. XXXX months before the XXXX XXXX '' She could not answer XX/XX/XXXX, XXXX Called the number again because I still have no response. Spoke with XXXX XXXX XXXX asked the exact same questions. She also could not find the answers in the system. I asked " If your company is going to charge me then you should have a break down of the charges '' I had no luck. XXXX forwarded me to the supervisor XXXX XXXX. I once again repeated my questions about the issues on this account and once again couldn't get answers. So XXXX said she would send me up to the " XXXX Department '' and that they would call me. 

Today XX/XX/XXXX XXXX XXXX called my husband and said she's from the XXXX department and asked if she could help him. He passed me the phone and I proceeded to ask where the {$9300.00} began at. She pulls the letter sent to us so she could follow along. Once again she doesn't know. I was informed that she's not a computer and that she can't process what all I'm asking about and so forth. I'm beyond angry and frustrated at this point. Why call me if you have not researched the account, read the notes and have answers to my questions? This has been on going, on the phone trying to figure out why. 

We are hard working people trying to do the right thing. Never once have we refused to make our payments. Never once have we denied our debt. We deserve the right to understand why One Main Loan company has made the business choices that they have made. We have paid on this account as the contract states. We understand that we broke the contract with the voluntary surrender. However, no other viable option was given to us to help solve the beginning issue of the XXXX is not safe and can't remain in the yard as a yard ornament. We have to have a roof over our heads. 

It has taken this company XXXX months to charge off this account and hurt our credit even worse. I feel like this was done because I disputed our credit reports and contacted the BBB. If I would have kept my mouth shut they would still be taking their payments from our XXXX account. This is unfXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I wouldn't recommend anyone to use this company