Consumer complaint received 2022-04-07
Company: OneMain Finance Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
One Main title loan, the interest and fees unknown to me as well as many others I found only at this tone reading the complaints of the same serious issue I was experiencing, should of been much lowered balance! Period! I have made payment arrangements at times and completed them with automatically having {$360.00} a double payment paid as promised {$730.00}. During setting this payment arrangement up I asked what is my payoff amount if I could pay it off in full, I was told cant tell me until my payment arrangement is met. It was paid as it was set up, I called asking this is in XXXX ( I will have all my information if there is something that could be done for me as m as thousands of others consumers, this one main easing needs looked into regarding fees interests just like payday loan was and was able to help greatly with a class actio. Suit, I would provide whatever I have if can help me and so many others ). After my payment arrangement of {$730.00} was met successfully I called back asking because of all the reviews I read and was so scary knowing I have paid for years, and k heard balance is XXXX I almost died and today if paid they pay off amount was I believe $ XXXX again this was in XXXX and today after I stopped making payments in XXXX, it is showing up the 3 XXXX XXXX XXXX credit companys, also showing up as good credit when springllief financial was the the loan company before changing to one main, now it shows of course negative way a charge off {$10000.00} when my first loan was XXXX last one was XXXX the loans I have received in that timeframe was one large one {$2500.00} and {$300.00} {$500.00} & {$300.00} I didnt expect to hear my balance was $ XXXX and pay off then was around $ XXXX I have paid {$360.00} for years years XXXX through XXXX after fighting to lower my monthly payment that did for ) months only only {$270.00} and after my income at that time was strictly only my ssi monthly amount losing child support due of course to law and thats even why I have had to even start title loan because of my child support late and then very late taken long to receive full payment and times not full payment, I had to get help I went to springleaf financiaXXXX then changed to one main financial about two years after taken first loan out think it was XXXX changed to one main. I stopped paying due to covid hitting couldnt get a job in something I could do cleaning was trying to start that work knowing XX/XX/XXXX my son was turning XXXX and could t survive on just ssi! Between the fact covid was just knew to the entire world and the fact I have paid sooo much and what my balance was in XXXX knowing it was at least four years earlier was last loan in amount {$300.00} I did that to get tires to pass inspection last loan XXXX I believe it was, again 3 small loans biggest one was {$2500.00} my very first one and to hear $ XXXX XXXX or XXXX I would happily submit all statements of course needed to help stop this company from doing the same thing as pay day loans did, there is obviously others doing the same thing Im in state of PA pay day loans are not permitted! After paying XXXX for 8 years up until XXXX of XXXX due to losing my child support payment which was my income along with SSI and only lowered my payment amount temporarily to {$270.00} for 6 months and paid that they would not keep it that way, wanted {$360.00} XX/XX/XXXX lost child support to be exact they knew this and knew I was only receiving ssi and heard my balance amount in XXXX was XXXX something which it is on credit companies showing that sum, years of paying {$360.00} first loan XXXX last XXXX XXXX total of 3 small ones first one was largest 4 total, to head $ XXXX back in XXXX after reading many many complaints nothing paid is reflecting a lowered balance after paying years, is when I found out XXXX contunued making payments best way I could fought with them XXXX lower it so I can meet my payment monthly not report me XXXX was forced to stop payment I simply couldnt due to pandemic losing child support was not working was trying to start cleaning when it all two things at once took place covid -19 and XX/XX/XXXX lost child support! Again knowing what I paid monthly for many years and not see a dent towards my total balance of loan and many complaints reviews for years I was forced to stop paying, they did not lower my amount and now its hurting my credit greatly as well as others, and this place must be stopped allowing to do business as they do because it just hurt consumers finding out years later like myself it is destroying lives! Not only that they have called my family for payment collection department many times until I threatened them filing a complaint with consumer finance, this is as bad as payday loans I beg plead you to look into OneMain financial as I hold that a class action suit will be started. Please contact me regarding this serious matter please XXXX XXXX XXXX. XXXX XXXX XXXX Please. Please help others and myself we deserve to have a class action suit take place involving one main customers. Thank you very much for reading this Im sorry regarding typos I am trying to get this all in and hope to be responsed to asking for any and all Information regarding one main loans Thank you

Company response to consumer: Closed with explanation