Consumer complaint received 2021-01-28
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have had multiple such issues with this consumer finance company without resolution, as each time I request to speak to a District Manager or anyone above the local branch manager for resolution, the same cycle of being told they will contact me ( with no contact ) occurs. I have been charged fees multiple times for late fees or return payment fees with no standing as there were always available funds in my account. I also question the validity of the {$15.00} return payment fee I was told was from XXXX that I am certain I have already paid in the past. When I asked the branch manager on XX/XX/XXXX to provide me more details he said he would mail it to me but would not look through the transactions to see if that was the case. Once, I asked to be transferred to his superior he told me he would send them an email and that they would contact me. I reminded him that we have done this cycle multiple times in the past for various reasons and I have not once received any contact from his DM or anyone from their corporate offices. The presumptuous nature of XXXX, the local branch manager, is quite off-putting and outright disrespectful ; making such accusations that I must have done whatever adjustments were necessary in the meantime to allow the reprocessing of the payment to go through when I had clearly stated I have bank records to show that there were available funds in my account. After which he tried to pass this off as an issue with my bank and I should take the issue of with them and that of course, they would charge me a fee per their policy. I have also reached out multiple times in regards to changing the due-date to the XXXX as I was originally told I could do once I signed the loan agreement. Each time I have reached to the branch to have this occur I was told they could do not do this in their system and even asked to speak to the DM or someone who would be able to address this issue once again, with no resolution. 

XX/XX/XXXX authorized payment of {$200.00} on XX/XX/XXXX within the allowed 10-day grace period, confirmation number : XXXX. Funds available in my account transaction didn't process and I had to reschedule payment on XX/XX/XXXX charged {$10.00}. 

XX/XX/XXXX authorized payment of {$200.00} on XX/XX/XXXX within the allowed 10-day grace period, confirmation number:XXXX. Funds available in my account transaction didn't process. I called the branch in regards to this issue and spoke to XXXX ( branch manager ) and while on the phone had him process the transaction to prove there were available funds in my bank account. Transaction processed successfully and when I asked to speak to his superior he told me he would email them and they would contact me. When I reminded him of the fact this cycle has occurred multiple times in the past without ever being contacted he amusingly said he could see this had occurred multiple and refused to provide me with appropriate contact information and then hung up the phone. The presumptuous, disrespectful, and arrogant nature XXXX expressed himself with on the phone, referencing he has been doing this for 15 yrs multiple times, presented as a superiority complex allowing for him and in turn the company to take advantage of the loanee.

Company response to consumer: Closed with explanation