Consumer complaint received 2018-07-05
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
My vehicle was repossessed on XXXX. I have contacted the loan company 4 or more times via phone and email. I have attached a letter that I emailed the company because I was unable to resolve my issue via telephone. XXXX in the branch, the call center reps, XXXX in Executive Complaints and XXXX never acknowledged the validity of my hardship and were unable to resolve my issue. 


One Main Financial XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX Dear Customer Service Manager, I am reaching out to you because I have a vehicle secured loan with One Main. My vehicle was repossessed XXXX. I am viewed as being in default on my loan because I am 30 days past due. I made 2 payments in XXXX in a good faith effort to maintain my account with your company. Unfortunately, I was hit with over XXXX of bills that needed immediate payment outside of my normal monthly obligations. 
1. XXXX Squirrels had to be expelled from my roof. 
2. XXXX new gutter system. XXXX paid to date. 
3. XXXX repayment for college class to employer. XXXX paid to date. 
4. XXXX property tax bill. XXXX paid to date. 
5. XXXX property tax bill. XXXX payment must be paid this month. 
6. XXXX property tax bill. XXXX needs to be paid this month. 
I advised a member of the XXXX branch of this and he was no help. I advised the repossession dept. representative on XXXX. She was no help as she only demanded XXXX. She explained the ; repossession fees and cost, auction, and short fall obligations that I am now facing. 
I received a demand letter for XXXX due by XXXX to regain ownership of my vehicle. As you can see from the list above I have XXXX of property tax bills which must be paid this month. So, I am unable to pay the XXXX this month. I have attached receipts to this letter to substantiate the legitimacy of my financial hardship. 
I am requesting that a forbearance be granted on my loan and that a payment arrangement can be made. I have made every attempt to maintain my account, but I am being faced with other obligations that demand immediate financial resolution. 
I do not have access to a printer. Please provide me with a fax # that I can fax proof of my hardship. 
I am hoping that we will be able to come to a win win agreement where I can maintain my vehicle and continue to make monthly payments. I am quite sure you are familiar with the auction or private sale process where a vehicle is sold for less than the fair market value. By selling the car you will be agreeing to a payment which is less than the amount owed. After the proceeds of the sale are applied to my loan I will be contacted regarding a short fall balance which I do not have. If I were able to maintain my vehicle that would insure that the One Main loan is satisfied over the course of 5 years. I do not desire to be sued and am hoping that we can work something out. 

Thank you, They declined a forbearance and a deferral on my payments and are requesting 2x the account due on my loan. I have attached a payment history. I was unable to attach bills to validate my hardship because they reflect my name and address. However, the bills were sent to One Main

Company response to consumer: Closed with non-monetary relief