Consumer complaint received 2023-06-01
Company: OneMain Finance Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I am writing concerning a company that I truly feel is a predatory lending. They are deceptive and lead you into thinking they are trying to help you. I am speaking of One Main XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Alabama XXXX. 
I had been going through a lot financially having my nephew XXXX  and brother passing they both had no insurance, and my sister who was the mother of my nephew lost her job, she was living with me, and I had an elderly mother. Prior to my brother and nephew passing, my brother had some serious XXXX  medical conditions which required me to assist with his care. 
I say all of that to say this OneMain knew my situation, the guy who I spoke with initially was a gentleman. I had no reason to not think they were there to help me. They told me they could give me XXXX, I was like great can pay some stuff off, then it became put up your title, I had a XXXX with a very low balance with XXXX XXXX. I said I really didnt want to do it that because it will be paid off soon. Ok, this guy said you will get the XXXX, XXXX and your payment would be like XXXX a month, that is an estimate cant remember the exact amount. Well came signing day for this amount got a call now the amount is down to I think XXXX I go to the office they have me sign some paper they read the papers and then the show me where to sign. 
They did pay off the car had held the title. I made start making payments, if I called in the payments, you would get do you need some more money. I thought how that can be, so that went on for a few weeks/months. Then on a Saturday I spoke with a XXXX she said XXXX XXXX you need some more money I can get you XXXX, I said it will change my payments not that much. I said OK, mind you she knows my story as well. I get a XXXX not the XXXX. Time goes on and then I am on the phone with the first gentlemen I spoke with he says you can get XXXX. I said I dont want to do that will increase my payments, well I was told we have options if you need it, the money is here. I get the XXXX payment goes to over XXXX a month. I am having difficulty paying and they do a few deferral payments. 
I then start falling behind. This company would call me over 10 times a day. XXXX XXXX XXXX called my job and told them she was my friend to call her. My coworker from another department contacts me via instant messaging and gives me the number. I called her and asked did she call and say she was my friend and she said yes, I did. I told her about my issues, and I think she did another deferral. 
I explained that eventually I would need another car the XXXX was running but not in the best shape. This is prior to the XXXX. I was told by XXXX dont worry about it just trade it in and we will refinance the rest. I am like ok great which meant a lower payment to them, and reliable transportation for me. Well, a few months later I tried doing just that went to dealer, they offered XXXX I call OneMain, get XXXX told her the conversation I had and she OH we dont do that, I said that is not what I was told, they all had amnesia. I said I know what I was told, I do a trade in you would refinance the balance. Their response sorry we dont do that you would have to pay off your loan in full. I was told I would be sued if I did not pay the balance in full and my wages garnished. The calls became unbearable sometimes 8-9 times a day into the night. I called back and got XXXX at a later date, and she said let me call you back, she then calls me from her cell phone, I did not recognize the number, so I answered, and it was her. She proceeds to tell me this happens all the time, there are people that get loans and never make any payments at all, at least you are trying. She stated that white people do it all the time. She then stated that she could not talk on the work phone because it was recorded, hence the fact of me getting several calls from cell phone numbers. 
I do not know if anything can be done, but I feel like I was taken advantage of lied to regarding my options, then threaten with being sued. They received over XXXX for the XXXX and still say I owe them over XXXX that is over double what I got in cash. Not only did they do this to me, but they are also doing my friend the same way. 
I am requesting an investigation if there are grounds for one, if not then I want this put on their record as a complaint. I know what I was told regarding my options if I had not then I would not have taken the route I did with them. They need to be held accountable for misleading consumers.

Company response to consumer: Closed with explanation