Consumer complaint received 2019-07-17
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I received a phone call on XX/XX/XXXX and XX/XX/XXXX from an unknown XXXX number. I received 3 phone calls per day from that number finally on the XX/XX/XXXX approx. XXXX I finally answered the call it turned out that it was One Main calling to " remind '' me that my payment was due '' I said um when is my payment due the rep on the phone said on XX/XX/XXXX. I was a bit annoyed at that point I was like um why have you been calling me 3 days before the due date. Her response over the phone was its just a curiosity call I was like yeah ok no it is not a curiosity call because I have never received a curiosity from One Main. Then I proceed to tell her that you called me 3 times Monday 3 times today till I answered the phone. At this point, I knew that she was busted because she couldn't explain why she was calling me. I said you know what it is perfect timing because I am in a bit of a financial bind at the moment. I explained to her that I purchased a car in XX/XX/XXXX then 2 weeks after the purchased I got hit with a big deduction from my bank account for XXXX dollars from XX/XX/XXXX banking for my mortgage when my previous mortgage payment was XXXX  a month. I explained to her if I would have known that my house payment would have gone up I would have not purchased XXXX XXXX XXXX. Turned out that my escrow balance has gone up without any notification. After that has happened it threw my finances out of wack. I also explained that my wife hours got cut where she works at so it has been nothing but a struggle to keep up on things when I am trying to do it all. I have been working side jobs as well to keep up with the bills around the house and keep putting food on the table for my wife and kids my 10 hour working days has gone up to 18 hour working days. I explained that I was not able to make the payment on the due date and the only time that I can make it would be around the week of XX/XX/XXXX she said ok thank you for explaining the situation to me I will put you down for the due date around the week XX/XX/XXXX. I said perfect i don't want to be getting 10k phonecalls from over this and she said you won't. The very next day I received a phone call from a XXXX I received 3 phone calls from that number I ignored the phone call the very next day I received 5 phone calls from that number I ignored it again. on Friday, XX/XX/XXXX I finally answered the phone aprox XXXX after they have called me 4 times. I said Hello the other person on the line said, XXXX? I said yes and she said hi this is XXXX ( I didn't quite catch her name ) from one main how are you. I asked why are you calling me and she said I wanted to know if you were going to make a payment today. I said excuse me you call me 3 days before the due date to ask when I was going to make a payment. She proceeds to say well it's 2 days late I told her that I have already talked to a representative about this and I am currently on duty right now I have explained that to the rep that I previously talked to about this please don't call me while I am on duty because I work at a federal hospital and my duty is to these veterans from XXXX-XXXX XXXX not to be accepting personal phone calls unless it is an emergency from my wife or kids. 20 minutes after i have gotten off the with One main another phone call comes again from them which I ignored. every day Monday thru Friday I will receive up to 5 phone calls from one main at the XXXX area code and the other at their XXXX area code at least an additional 5 more times. I have answered the phone several times over these occasions and explained I am on duty please do not get a hold of me while i am on duty I have stated I will make the payment around the XX/XX/XXXX multiple and multiple times. the total of times that one main has called me combined from both numbers since anywhere from 145-160 times. I have wished that I would have never met a bunch of ignorant people who have no care in the world if someone is in a financial bind and continue to harass the hard-working people that they charge outrageous interest rates on people who work their asses off to build credit, to build a better future for their family, their kids. Like myself who went from 10 hour working days to 18 hour working days to provide for my family and to keep the bills paid and some ignorant asshat who can not be patient wait a few weeks but instead they decided to disrupted my work life while I am taking care of our country veterans.

Company response to consumer: Closed with non-monetary relief