Consumer complaint received 2023-10-26
Company: OneMain Finance Corporation
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
* XX/XX/XXXX : Applied for a Personal Loan but was denied. A hard Credit Check was completed with a Credit Score of XXXX Reason Given : My leave of absence from my current employer XXXX XXXX XXXX XXXX ) did not constitute employment, I can re-apply when I return to work. I returned to work ( XXXX XXXX XXXX XXXX in XX/XX/XXXX, but did not re-apply. 

* XX/XX/XXXX : Applied for a Personal Loan, Loan Approved. But no hard Credit Check was completed with a Credit Score of XXXX Months later I came to find out that OneMain Financial ran a Soft Credit Check in XXXX of XXXX and compared it with XX/XX/XXXX Credit Score. When writing my contract they utilized the lower Credit Score from XX/XX/XXXX to charge more interest on my Loan. No Hard Hit ever showed on my Credit Report from OneMain in XXXX through XX/XX/XXXX, or anytime in XXXX as it did back in XX/XX/XXXX. 

* XX/XX/XXXX : I lost my job, and had to file a claim with XXXX XXXX XXXX XXXX XXXX XXXX ). When I started my claim I was ahead in payments and continued to pay my OneMain Bill until the Claim was approved on XX/XX/XXXX. By the time the claim was approved, I was ahead in payments by approx. {$160.00}, which my bill statements would state I owed approx. {$130.00} for next month 's bill. This stayed consistent from XXXX through XX/XX/XXXX, while unemployed. 
XX/XX/XXXX : A final prorated payment of {$190.00} was approved for dates covering XX/XX/XXXX - XXXX XXXX. 

Logged into OneMain Financial Profile : XX/XX/XXXX : Profile Stated I Owed {$130.00} for XX/XX/XXXX Payment XX/XX/XXXX : Profile Stated I Owed {$130.00} for XX/XX/XXXX Payment XX/XX/XXXX : Profile Stated I Owed {$220.00} for XX/XX/XXXX Payment Profile is missing the XXXX Approved Payment of {$290.00}, which covers dates of XX/XX/XXXX - XX/XX/XXXX Profile shows no payment for XX/XX/XXXX. 

When I contacted OneMain Financial, they told me to contact XXXX XXXX XXXX XXXXXXXX XXXX XXXX ). When I contacted XXXX XXXX XXXX XXXXXXXX ), they stated they made the payments so there is nothing they can do. I escalated the issue to the Executives Office and requested information in writing and for them to respond in email format, but they refused to email me any of the documentation I requested or respond in email format. 

The written request was made because every time I spoke with a different representative, both OneMain Financial and XXXX XXXX representatives kept giving me different reasons for the missing payments and would hang up on the call. Every time I get on the phone with a representative I request the information in writing and the representatives give me a run-around. 

XX/XX/XXXX : I was told to go into a store location. When I went into the store, the Branch Manager started discussing my account information in from of others ( employees and other customers ) even though I asked her, would it be better for me to go to your desk than we shout across the office? XXXX XXXX ( Branch Manager ) stated, " customers are not allowed to her desk. Then proceed to tell me, in front of everyone, that she can not review my account because it is in Collections. When I asked how is it in collections when I am paid ahead, she said referred me to the number she provided. XXXX XXXX was reported to OneMain Executive Office for violating my privacy, character XXXX ( proclaiming my account is in collections in from of her other customers and staff, when it was not ), and the entire situation was an embarrassment to me, because I have a 100 % pay my bills On-Time with the Credit Bureau . 

Now that I have refused to make any other payment until they find the missing payment, I am getting harassed with calls that I owe this payment. But OneMain 's Executive Office refuses to send me the information in written format or respond to me in email format. 

XXXX XXXX XXXX Acct : XXXX Claim : XXXX

Company response to consumer: Closed with explanation