Consumer complaint received 2022-10-18
Company: OneMain Finance Corporation
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I had started asking XXXX  back in XXXX to send me a copy of my original contract and payment history from the loan opening in XX/XX/XXXX. After reviewing my documents from their website and sent by XXXX XXXX, I know errors are causing an incorrect account balance. XXXX will tell me they will send it via email. I have yet to receive the documents. In XXXX of XXXX, I requested XXXX to cease calling my phone. I received several daily calls back-to-back and every other hour ( screenshot attached ). 
Late XX/XX/XXXX, I figured out I was paying for unemployment insurance that I was ineligible for because I had used this insurance from XX/XX/XXXX through XX/XX/XXXX. I called XXXX and had this policy canceled. I received a letter saying it was canceled and I had a refund on a life insurance policy. I have not seen any documentation saying where the refund was applied, and my account still shows the insurance active. 
In XX/XX/XXXX, after I returned to work, I contacted XXXX via phone to make payment arrangements to bring my account current. On XX/XX/XXXX, I received an email from XXXX ( attached ) saying I could permanently cut my monthly payments to half. I was approved for a permanent loan adjustment. On XX/XX/XXXX, I called XXXX to ask about the offer and make payment arrangements. The lady would only keep asking about my past due amount. She never said anything about the offer they had sent me. After the payment arrangements were made for my card account to be debited on XX/XX/XXXX for {$460.00} and debited again on XX/XX/XXXX for {$220.00}, I received an email on XX/XX/XXXX ( see attachment ) saying we canceled your upcoming payment. Per instructions in the cancellation email, I placed several calls to XXXX for two days, only to be on hold for so long that the phone would hang up. 
On XX/XX/XXXX, the {$460.00} they canceled withdrew from my card ( see attachment ). They tried to run the other payment on XX/XX/XXXX it declined due to my activating a new card with fewer fees. Then I noticed how much money went to interest ( see attachment ). My balance is not reducing much. I started looking at the XXXX transaction record for XXXX. The transaction record showed no late fees until XX/XX/XXXX. The payment was posted, reversed, and posted again three days later but not back-dated for the XXXX. I also noticed late fees were on the months that the unemployment insurance had paid but did not until XX/XX/XXXX ( see attachment ). 
I had to modify my loan agreement several times due to job loss. The interest rate was supposed to return to the original 22.74 % after the four-month payment reduction ( see attachment ). I have paid so much more than 22.74 %. Late fees were during the hardship/loan modification period. From XXXX of XXXX of XXXX, {$410.00} went to the principal balance of my loan. I have paid more than {$2600.00} in the past year. I have tried to talk to XXXX about the issues, no one seems to know what is going on. No one has reviewed my credit file to answer my questions, or came close to helping me find an option or solution. Anyone I have talked to is confused or has argued the fact or put me on hold. I told XXXX they could resume calling my phone in XX/XX/XXXX. No one from XXXX has reached out to me via phone. At this point, I am beyond frustrated and upset. Then on XX/XX/XXXX, my XXXX XXXX gets repossessed. 
A collectors job is to resolve the debt. I understand that. However, they should know your situation or review the credit file and be willing to help you find options to get the issue resolved. There has not been one person doing this for me at XXXX. I have paid a lot of money to this company in four years. I never expected to be treated this way.

Company response to consumer: Closed with non-monetary relief