Consumer complaint received 2021-08-31
Company: OneMain Finance Corporation
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I make my car payments to One Main Financial and two months in a row they took a extra payment out of my checking account. The first time it happen was the end of XXXX the beginning of XXXX, I had spoke to a gentleman about setting up automatic payments starting in XXXX. Well instead of him setting them up to start on XX/XX/2021 he set the payment to start in XXXX. So after i made my payment at the end of XXXX they turned around and took a payment out my account on the XXXX of XXXX, when i called them and told them what they had did they did not want to send my payment back, In which i needed since i live off of VA Benefits and Social Security. Well about time they decided to return the extra payment i was over a negative {$500.00} in my bank account and they also took {$130.00} out of my savings account.to pay for bills that where coming through my auto pay. So after that happened i told them i didn't want to do the ach payments anymore. Well come the end of XXXX, beginning of XXXX it happened again after i told them i did not want them going into my account again. This was after i had told them not to go into my account again, so i ended up in the negative again in my bake account the next time my check went in, The bank gave me a credit for that payment and One Main refused to give the money back even though i sent them a bank statement showing they too two payments out. But this time they refuse to pay me back my money even though i was owed the money back by One Main, and they also refused to pay my bank back also, so come XXXX the back took there money back out of my account and i ended up going into the negative {$390.00} before my VA check could go into my account. So now they are saying that i am three payments behind and they are taking payments that i paid and moving them around as if i had not made the payments. They went into my account without my permission and then they did not and have not given my money back, and so in between all of that i have been in the negative three times and i have had {$260.00} come out my savings account and the money that i was in the negative when my check went in my account on three separate occasions and i did not have all the fees returned to me either. Then before it is even time for me to make my payments they are calling me saying they are trying to collect a debt and they have sent me at least two different totals i am suppose to owe and they never once sent me anything saying what months i was suppose to not have paid my bill. When i went into the office i pay for my payments the manager there was very rude and did not try and help me at all, I had to file a complaint on him with his company on XX/XX/2021 and will i was talking to someone from there Corporate Office, the sales associate could see the complaint i filed going through. I have a lot of health issues and i am in the XXXX XXXX a lot and i have a child i that also has health issues. So to have to deal with all of this all the time it has started making me fill sick every day, and it has also taken away from me providing for my daughter or me properly.

Company response to consumer: Closed with explanation