Consumer complaint received 2017-09-01
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XXXX XXXX, 2017, I applied for a personal loan through XXXX XXXX XXXX. The office in question is at : XXXX XXXX XXXX # XXXX XXXX, FL XXXX. My representative was XXXX XXXX. Included in my application was income from my employer and an adoption subsidy given to me through the state of Florida. One of the demands made by the underwriter, I had to provide the birth certificate and/or court documents of my daughter 's adoption. When I explained I could include proof of payment through bank statements and/or, receipts directly from the agency that submits the subsidy to us via direct deposit, I was told I still had to show proof by birth cert and/or court docs. I further explained that they were requesting not only personal information of a minor ( which I do not believe is legal ), but also of an adopted child, who 's rights are to be protected legally. I was told they needed to determine the child 's age. I asked for what? To determin how long I received the payments. I stated the child is XXXX and it 's until XXXX. I could provide in writing if needed. The underwriter still refused to budge with that explanation. I explained I could not provide any information beyond the DOB and mine and my husband 's name on the birth certificate ( which I sent ), but the underwriter wanted the certificate to show all information or the court docs, which had far more information in them. I would not provide either. My child was once a ward of the state. I advised in no uncertain terms would I provide confidential information that could disclose her new identity. I explained that I was very familiar with the CFPB laws and this was boarding, if not altogether discrimination to me personally and if not out right illegal practice demanding info of a minor. I was offering alternative documentation and it was being refused. I asked if the same documents, such as a birth certificate and/or court documents would be required if the child was mine through birth and I received child support? I was told. because the child was adopted. Again, I explained I am offering proof of payment via receipts. That is all that should be required of me. I explained that neither a doctor or daycare require such personal information. These two institutions would have far more reasons to ask, as it could be needed given what these institutions are. A financial institution needs nothing, beyond payment receipts, written age of the child and an explanation from the state of FL website on how long the subsidy is paid. Personal info on a minor, absolutely not. The loan would not be approved if all documents were n't submitted. I made clear this was discrimination, refused the loan. Had my child been mine by birth, these documents would not have been required. So mothers, who come to this company, and have adopted have to prove their children are theirs in order to obtain a loan? Seriously? In addition to this clear discrimination ... Why is a financial institution demanding personal information of a minor? What are they doing with this information if given by other customers? How is it protected?

Company response to consumer: Closed with explanation