Consumer complaint received 2021-08-06
Company: OneMain Finance Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2021, I withdrew my loan application from OneMain Financial in XXXX XXXX, Florida. I had submitted the loan because I needed a quick short term loan and after research I submitted by application with OneMain. Since I have withdrawn my application, I requested that OneMain be removed from my Credit Report, so I submitted to OneMain Financial a request for a Letter of Deletion or Removal because no loan was provided although they told me that {$1500.00} had been approved. I withdrew my application because the OneMain loan services were not provided as advertised with same day loan approval and receipt of monies by next day. 

The team members at the XXXX XXXX, Florida branch for OneMain whom I dealt with were XXXX and XXXX. A phone appointment was scheduled by XXXX of OneMain XXXX XXXX at XXXX on XX/XX/2021 to close on a {$1500.00} loan for which they said I was approved to receive. XXXX was supposed to call me for the appointment but he never did therefore I called the OneMain office and was informed that XXXX had not arrived to work and they did not have an explanation to provide for his absence. I was then referred to another team member XXXX ( I believe his last name is XXXX ). In my dealings with XXXX, he repeatedly requested the exact same documents for which I had already submitted and OneMain had confirmed receiving. When he missed the phone appointment, I had explained my concerns to XXXX  which caused my hesitation about OneMain 's operations since they have personal financial information for me. The OneMain office in XXXX XXXX appeared to be disorganized and mismanaged. XXXX immediately became argumentative, combative and disrespectful towards me. Since I was the customer and it was his team member who was a no show for the appointment, I was totally blindsided by XXXX 's abrasive tone towards to me. 

When XXXX finally showed up for work later that day on XX/XX/2021, he called me and was very unprofessional and began asking me questions that appeared 'made-up ' to string along my loan application process. Since he told me the application was already approved the day before I did not understand the further questioning by him. Furthermore, XXXX stated to me that he was not allowed to disclosed to me that I may be a victim of fraud. If he's not allowed to tell me that then why did he say it to me? After that disclosure from him, I immediately contacted XXXX  to research possible identify theft against me and they did not find anything suspicious nor considered fraudulent against me. I have attached copies of my communications with OneMain Financial. The XXXX XXXX, Florida office of OneMain Financial has exhibited a lack of professionalism, honesty, transparency and lack of organization in handling my loan application. Therefore, I am requesting a Letter of Deletion or Removal from OneMain Financial. Per the actions of OneMain, I am hopeful that your bureau will investigate OneMain 's handling of loan applications and potential misleading advertising by OneMain Financial.

Company response to consumer: Closed with explanation