Consumer complaint received 2021-01-27
Company: ONEMAIN FINANCE CORPORATION
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The person first assisting me I knew as it is a small town. I walked in talked with her about the online pre approval notification from lending tree website for {$18000.00} or a little more. Informed her that I was wanting to utilize a portion of the loan to use part of it with debt consolidation. Then the other part to use as a down payment for a vehicle as my current one just blew the engine. She then stated we could do that and then went into talking about they could even just give the loan for the entire loan on a car. We hadn't looked yet at cars so while she waited for approval for an amount she said by the time we looked at a couple she would have it and would call. We went and looked at three or four dealerships. the first had a car I knew I was wanting to purchase the day before but they had already sold it by the time arriving, so showed me what happened to be the vehicle this is all about right now. While they showed me the car i wanted to go to others to see and not spur of the moment pick the first car I saw or that was offered. After looking we went back to the Loan company where the following took place : Upon walking in the lady in the first desk stated shes on the phone and as I heard that you two know one another I now will be taking over handling your loan. She didn't ask me any questions so assuming she was filled in with what was going on she then proceeded to ask for the Vin, Amount of the vehicle, millage to see if it was set at a price that they may get approved or not per their year and standards, then asked who the Dealership was and so forth. We went and got something to eat to wait for the response on the information we sent. Upon the following morning we were told we were approved to come in and we could go over the details. We went in and she started offering three or four extra items we could add that would increase the loan amount that were insurances to cover, if one of us happened to fall ill it would cover the cost of the monthly payment until released back to full duty from a dr , one was gap insurance to cover the difference from payoff and amount paid by an insurance company getting you a year newer vehicle and with XXXX less miles I do Believe can not recall the exact coverage, there was another insurance equaling three that we purchased. She never went over any qualifications and as this was the first time using my credit for basiaclly anything i even asked about a first time buyers and what that entailed. She stated it wouldn't benefit me. Then told us the system was down for us to be able to sign so she would be emailing us the links to sign electronically then handed me the check for me to take to the dealer had their name Printed on it with amount for the dealership which was around the corner about a mile. Get to the Dealership and was told the salesman who showed us the car the day before was currently tied up with another client, so they sent us back to the manager/.owner i believe he was, as well as the sales agents father. We go to the office in the back where he is located and he had the paperwork sitting out and before sitting down was holding two pens out and said here sign here, I stated just a second sir I would like to double check that the salesman told me he would look into about the car. He stated it was under warranty and was a Certified Like New Vehicle that it had underwent XXXX 100 or 200 or 300 point inspection i don't recall the exact number he used, that the vehicle had remote start, a vehicle app that you can track the car at all times for security and peace of mind, had a package for free services up to and including the XXXX miles, while showing me the car fax i remember he had kept it in his hand had several papers in his had was flipping through showed me the XXXX where the vehicle was one owner, clear title, never wrecked, with the top part covered by some other paperwork in his hand, free trial of XXXX XXXX XXXX, and that the vehicle only had the one key fob, that he thought there was two and if not he would get us one plus have the car detailed, washed, topped off, bc it was E with about 15 miles to empty as he stated one of the reps were using it to drive to and from work.. The Manager/Owner asked the other rep to check on it as i stated i would like to know how the process is going to go bc I've never done this before. He asked to see the check and stated you will be giving me this and signing this paper then ill give you a packet that you will be taking back to the location of your Loan company where we will when it comes in be sending the title to them, we will call you when the license plate comes in to put it on. Then the rep came back in confirmed what the salesman the day before stated that it did have those items and they would be getting me the other key. We signed one paper then I handed the check i stated is that all and the manager/owner said no im putting this together for you and a copy for my cosigner and a copy for the loan company with that will be their paperwork as well. They had also told XXXX as this was the fourth time within three months bought or brought in someone to sell a total of four vehicles including mine that they would be making she he got some kind of points or credit or something i guess they offer for a situation like that. Which i do believe he never received. They handed us the paperwork, the one key, and as we walked back out to the front entrance i remembered and stated could i get a copy of the XXXX as i had never had a vehicle that had always been so detailed with services, He stated sure we are waiting for them to bring the car around right now for you actually come with me ill grab that off his desk for you. I followed the rep to the rep 's office from the day before, as he grabbed the paper from the customers side of the desk i could see through the conjoining window. with two maybe three steps more i rounded the corner as he said theres the first sheet im looking for the rest of it ... then said well let me check with the finance manager and have him print you the other pages. I stated oh he only showed me the one yesterday. He came back out of the finance office pointed to my car out the front window walked around me and grabbed the key from the gentleman walking in turned and said here you go i hope you do enjoy it. Handing me the paperwork as well and as i fumbled with them my Cosigner grabbed them from me as we headed out the door telling me to meet him over at the Loan Company. We got there walked through the door and she said it is a beautiful car as she went to take photos i do believe. She returned and my cosigner handed her the paperwork. And she said thank you and he stood up i was like is that it she said that was it. Not to forget as i hadnt opened the email still to open those by end of the day and sign them. The second Lady that set up the account apparently as we were told a week later from the manager at the time, did not put in the cosigners second job. As the loan should not have been approved she stated without that information in there. Then we took that paperwork up there three times, to still a fourth time get a call about we needed to bring it up there again. We told them no that was enough times as the loan was already approved and we had the vehicle. Upon leaving the dealership parking lot the volume knob fell off into my hand before pulling onto the street i stopped and went to turn around as XXXX took off and a truck pulled up behind me so i said to myself ill bring it back later today. Then realizing i had a quarter of a tank of fuel and thought really. Since then I found out that the car didn't have remote start, no tracking that was only something police could do in the event it was stolen, half the apps he said wouldn't work with the year model it was that was for the XXXX and up, it had been wrecked, and the damaged wheels and windshield replaced per the XXXX, yet they had it listed it hadn't been, and had a clean title. It was in the TDI Settlement per the VIN Number of my vehicle and the NFTHS or however the order goes. Where in the court paperwork of the docket from the case notes stated the judge deemed the cars under Texas law to be Lemons i do recall it saying I haven't looked at those papers in over a year but i do have them stored one of my accounts. I've tried to talk to the dealership as they never got me another key fob, said " ehhhh '' shrugging their shoulders as i talked with them about me stating to the original sales rep that a week after I bought the car had quit told me it had remote start and then stated they wouldn't be getting me another fob they don't know why he told me that I said probably why he isn't there anymore and the rep said yeah pretty much. I had not ever found my paperwork they handed me and my cosigner didnt know what he had done with it so while there talkng with thema sked for a copy of it all again so i could have it for my records. he then handed me not a copy of the signed paperwork but kept the copy from the printer for himself and handed me the colored sheet pink i think it was, meaning when i found mine and the cosigners and got the one from the loan company which they gave me the top carbon copy keeping the printed copy for their self that meant i now have all the original " signed '' carbon copies. The carbon copies none of the three top copies did anyone at the dealership sign nor had they signed the bottom copy they had before we did as he stated he woudl have XXXX sign it tomorrow when he came in. There was also with the paperwork from he dealership that he gave me extra when giving me the copies i requested adn from the loan company i hadnt seen and it was the title information for the vehicle which was forged and was not either of mine or the cosigners signature in which i have scanned and can provied upon request where you will also see no signature on either paper carbon copy they sent us with making it now no longer legal documents either end or either way you look at it. I then after being upset at all of this and fighting with the XXXX XXXX and XXXX XXXX and XXXX went back to the dealership and let them know what was going on i was upset and what legally i could do. They stated the owner had left for the day stated they understood my frustration and continued to then print out the paperword for me on the TDI Settlement and told me that the XXXX dealership lied that he personally sold the previous owner a new truck with the car being a trade in on it after getting the money from the settlement.,. as the Nearest XXXX dealer in XXXX Tx Told me that the car was supposed to be sent back to the Manufacture and they didnt know how i had got it last the sales maanger knew the car was sitting out there in the parking lot tires low from sitting for awhile as i was in there to complain about several things including the tires being weather worn entirely bad and a defect in them causing them to wear away a certain way, There is so much more about the XXXX XXXX and the last dealership XXXX XXXX that its unreal how many times i have tried to get this all squared away. Im fed up with the circles and being lied to.

Company response to consumer: Untimely response