Consumer complaint received 2020-03-25
Company: ONEMAIN FINANCE CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for and prequailified a loan with OneMain Financial on XX/XX/20. I worked directly with a local office via phone. The local office asked me a series of questions, ran my credit and shortly thereafter called me back with 3 different offers and then told me to upload necessary documents like my paycheck stubs, and identity information, I uploaded those documents and then got a call from the office saying they were confused because my check stubs say that my boss is not paying my taxes, I said well to be clear I pay my taxes and so do you, we all pay our taxes, but your correct my boss does not take out taxes I am a 1099 employee, she said well I really don't know much about this please upload 18 more documents all around 6 pages per document. So I spent the day doing so. I then got a call the next day saying that they were wrong in saying that I qualify for a loan and that if my boss took out my taxes for me then I would have qualified. I told her that was very concerning and deceptive because my credit rating did not change from the day before when I qualified, my employment status had not changed since the day before when I qualified, my finances and income had not changed since the day before when I qualified, why does it matter who gives my taxes to the government? Whether I give the same money to the government or whether the company that I work for gives the same money to the government whats the difference? I work 40 hours a week minimum for the company that I work for, I work from XXXX  like many other people do and I have multiple sources of income. The company that I work for and I have an agreement that I was retained at no less than 40 hours per week so the employment security is there probably more so than a staff employee. I am tired of lending company 's making those of us that are 1099 feel dirty and gritty just because of who sends our taxes to the IRS - the woman that I worked with had the audacity to say well I am sure there are other perks to being a 1099 - I wanted to say like what lady? Is that my consolation prize because I put the stamp on the envelope to the IRS vs a staff employee who lets their HR department put the stamp on the envelope to the IRS? She then alluded it's due to the government, wait what???? The government holds down 1099 XXXX XXXX and favors those slaves that work for large corporations?? I literally have to be a slave W2 staff employee or the government says that I am not worthy enough for a personal loan?? Yesterday with the same income, same credit, same job, I qualified for a {$12000.00} personal loan but today I don't because of who send my taxes off to the IRS? She said yes thats our deciding factor. I expressed how alarming and concerning that deciding factor is because that does not sound at all by letter of the law, the day before with no changes to their list of qualification I qualified at no time did anyone ask me who sends my taxes off to the IRS this was never a qualifying question in the application process and now I have taken a ding to my credit because you ran my credit fully knowing that one of your unspoken unasked qualifies was who send my taxes tot he IRS, the company that I work for or me, wouldn't that have been something that you should have asked me before you ran my credit and made me an offer? I pay the same amount of taxes as a 1099 or a W2, I work from XXXX, from XXXX XXXX so there is no difference who sends my taxes to the IRS She did not have an answer and I ended the call.

Company response to consumer: Closed with explanation