Consumer complaint received 2022-06-09
Company: OneMain Finance Corporation
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was granted on debt consolidation loan on XX/XX/XXXX. The only caveat was that they were to send the payments to my creditors. I spent XXXX minutes on the phone with XXXX from XXXX  giving her the addresses for the payoffs. They had me do payoff amounts for XXXX weeks in advance and was told everything should be paid off before XX/XX/XXXX. I had a creditor payment that was due on XXXX ( I had to pay that ) and then another on XX/XX/XXXX. All of my creditors were paid off within the XXXX weeks except the biggest XXXX. I called XXXX back around XXXX because I noticed the one was paid off. I wanted to get the check # and verify that the check was sent to the right address. XXXX gave me the number and assured me every was sent. I called back again around XX/XX/XXXX because it still showed a balance. XXXX on this call, realized she had mad a typo on the XXXX XXXX XXXX I asked her to have the check overnighted since the lender said it could take XXXX weeks to process a check. She said she would get back to me. I was concerned because the payment was due on XX/XX/XXXX. She didnt return my call like I had asked, so I called the next day and she said a new check was issued and sent out. I let her know I was very unhappy that it wasnt overnighted. She guaranteed me they would receive before it would be reported as late on my credit. I waited XXXX weeks and finally called and spoke to XXXX, the manager, on XXXX. I was very irritated that my account now says delinquent after XXXX supposed checks have been sent. XXXX said she needed to check on it and call me back. She called me a bit later that day and told me how sorry she was but the XXXX check was also sent to the wrong address! Are you kidding? Who is running this place. I cant believe the incompetence. XXXX guaranteed me that she sent the check overnight for receipt by the creditor at XXXX am on XXXX and everything should be ok. She offered to pay for the difference in interest since all of this mess. Here it is XXXX and guess what? I called the creditor to confirm receipt and they said they dont show anything and it could take XXXX days. This is going to be reported to my credit in XXXX  days. So Im going to have to make a payment so this doesnt happen. Then I have to make a payment on the XXXX  loan tomorrow which doesnt sit right with me since all of the creditors have not received payment. I called this morning, XXXX to speak to XXXX and tell her I want a check overnighted to me so I can make the payoff and not be late. XXXX is on vacation so Im back dealing XXXX, who said she needs to get it approved through her district manager. What can be done for all this incompetence? I took this loan in Good Faith and have had major stress about the remaining payment to the last creditor for a month and a half. What can be done? If nothing else, I want the world to know about One Main Financials incompetence so that others dont get taken in by them.

Company response to consumer: Closed with monetary relief