Consumer complaint received 2017-11-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for a personal loan online on XXXX for {$5000.00}. 
OneMain Financial and several others offered me an approval. 
I picked OneMain Financial because it was closest to my house, and they said they could approve my personal Loan. 
I contact the office in XXXX XXXX, off XXXX XXXX and a XXXX XXXX named XXXX XXXX, she congratulated me and told me I was approved for a {$5000.00} personal loan I would just need to come in with tax returns and paycheck stubs, bank statements, proof of employment, proof of any assets ( bank statements, credit unions, title of car, proof of address, which she said my registration to my car and gas bill was acceptable. 
I rushed in with my info, she spent some time getting my loan through underwriting and went over the disclosure of " where to pay my loan, that some of the money was going to go to pay off my credit card, pay down my other credit card and the remaining would go in my bank account '' On the way out of the office, she was walking me out and Stated that if I was planning to sell my car, to call her and they would release the lien '' I was a little confused, as my understanding was this was a personal loan. 
I did not apply for a title loan, search for a title loan or under the impression that I was getting a title loan. 
I called six months later, with all my payments being current and never have missed one. 
XXXX originally disclosed that if I want to sell my car, just to call her and she would have it released When I called XXXX months down the road she told me that there is nothing she can do to get the lien released, that in order to release the lien I must go and reapply for another loan or have the funds from the sale of the car go directly to OneMain Financial and any remaining balance must be paid in full! 
I was outraged, completely confused and asked to speak to her manager. 
I told XXXX - the branch manager- that XXXX had broken predetory lending laws, in XXXX XXXX ( as even on their website they state they offer personal loans ) that she waited til after the entire process, I was in the parking lot and disclosed a list of things I needed to do to get my lien released. 
which was " sell my car '' 2. Call XXXX 3. XXXX would have lien released. 
XXXX then told me that I could apply for a higher loan amount. Which I rejected XXXX then didnt understand how I couldnt possibly assume this was a title loan. 
I told her I applied for a personal loan, i got approved for a personal loan and was never disclosed that this was a title loan. 
I told her I am not in the profession of personal loans, title loans or auto loans so I did not realize when they told me I was getting a personal loan that that meant a title loan. I told her XXXX asked for my assets and that is the only reason I gave my title of the car as proof that I owned something. 
PLease help me get my lien released as I am trying to sell this car and have a buyer willing to pay {$5000.00} today.

Company response to consumer: Closed with explanation