Consumer complaint received 2017-12-11
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
One main financial is aware of my financial hardship. On XX/XX/XXXX I spoke with XXXX XXXX XXXX on my financial hardship. I sent my proof of hardship via paystub to her e-mail at XXXX. She responded thank you. Within the next couple of hours XXXX XXXX alerts me One Main Financial ran my credit. The next day XX/XX/XXXX corporate calls to bug me about non payment after speaking with XXXX the day before. One Main Financial called me and said they see the note on my account it is typical procedure for it to take two days. That it is typical procedure for them to call because often times they do not know about the note.The main issue is. I was unaware of a hard pull and that it was apart of the process until I spoke with XXXX XXXX. Then he goes to tell me that the process was stopped because I e-mailed XXXX XXXX the next day of this issue. According to XXXX I said I wanted to " stop '' the process. I never said I wanted to stop the process. I said I want the inquiry remove. 

Here is my e-mail : On XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX My credit report said I had an inquiry from one main financial. I was unaware a loan payment adjustment resulted in a hard pull. I am asking for the inquiry to be removed since I did not authorize it and was unaware. I am trying improve my credit within the next couple of months. 

Thank you XXXX XXXX This is the second inquiry One Main Financial has done unauthorized without my approval. XXXX XXXX goes to say I am behind for XX/XX/XXXX and now XX/XX/XXXX. It does not matter if you always make payments on time. You get behind three days the XXXX office blows up your phone and corporate. Once XXXX tells me I have to catch up despite my hardship I told him sorry I do not have it and hung up. I am upset now. I am upset because I had this loan for too long. I am almost done paying it. I have made a lot of steady payments rarely late. I often make triple the amount of what is even dued. For you to pretty much say to me you can not help me is annoying. On top of the situation XXXX never e-mailed me back to say you received my last e-mail. I kept getting phone tags back to back from the office and corporate because they stopped the process. 

I am in hardship a soft pull would suffice. What are you gaining by running a hard inquiry? If that is your policy why was I not told? If the process was stopped why no one sent me a letter or called instead of leaving voice messages to say my account is overdue. Not one voicemail to say to your loyal customer about what happened to the process until I eventually had to call back to see what is going on why they keep blowing my phone up. 

I need the company to remove all recent inquiries and acknowledge my financial hardship. If you can not help me as a customer I can not help you as a business. This company already gets a bad rep throughout multiple credit groups. I was with them when they were Springleaf Financial in XX/XX/XXXX. I  even recommend a friend or two to them in which I warn to referrals to pay off as fast as you can. Do not take out more than what you do not need. I hope that a resolution can resolve from this. I only need help until next year XX/XX/XXXX from this company to work with me. That is only three months. XXXX XXXX tells me it is " too late, '' for the process. I do not ever believe something is too late and a company can not do anything for your situation. Your customers is where your money is and how you maintain your business. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation