Consumer complaint received 2020-08-30
Company: OneMain Finance Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I opened an account with One Main Financial. I made payments through electronic means to them on : XX/XX/XXXX for {$180.00}. 
XX/XX/XXXX for {$180.00}. 
XX/XX/XXXX for {$180.00}. 
XX/XX/XXXX for {$280.00}. 

For the remainder of the year, payments were made in office. I was late on one or more month and had to make payments to make up for those months. Last I remember is paying in office around XXXX or XX/XX/XXXX for at least two payments in one.  This was in their new office after moving from one plaza to another plaza down on XXXX XXXX in XXXX, GA. According to an XX/XX/XXXX credit report obtained XX/XX/XXXX from XXXX XXXX, One Main Financial reported on time payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX though they did not report the amounts paid as listed above from XX/XX/XXXX to XX/XX/XXXX with the exception of XX/XX/XXXX. On XXXX obtained XX/XX/XXXX, One Main Financial reported conflicted information and reported that I was 60 days late in XX/XX/XXXX ( even though I had to their new office at least twice to make payments on the account during XXXX and/or XX/XX/XXXX ).. 

Due to a divorce, I was not able to make payments again on the account until XX/XX/XXXX, after I received my divorce settlement. I was told the account was in collections or about to head to collections and I paid the amount of {$1200.00} to bring the account current and then made online payments on the following dates : XX/XX/XXXX for {$160.00}. 
XX/XX/XXXX another payment for {$160.00}. 
XX/XX/XXXX for {$160.00}. 

My account was showing that I owed about {$3500.00}. Even after the payments I made in XXXX of which were at minimum {$820.00} and not inclusive of the payments of cash I made in person at One Main Financial 's office on XXXX XXXX in XXXX, Ga. The same payments that One Main Financial can not decide if I made or not based on their credit reporting to different agencies and having at least three years to resolve after I've disputed their reporting to the credit agencies. I only remember the last visit I made in office due to the loan officer recommending a certain amount of  payment to prevent additional interest charges being made to my account. 

This is also in additional to the {$1700.00} that I paid in XXXX. I called for help only to be hung on and yelled at by agents who refused to tell me why my account balance was only brought down from {$4000.00} except that it was an unspecified amount of late charges ( they are now reporting the amount was about {$4300.00} ) to about {$3500.00}. I received no statement explaining the claimed late charges and how it affected my account and my payments were not even putting in a small dent into reducing the balance. 

I still do not understand what those alleged late charges were or how much they were even though I asked multiple times for an explanation only to be yelled at and hung up on after asking for a statement and explanation of said charges. Even after disputing the information reported and even after One Main Financial seems to have reported different information to different credit agencies of amounts I've paid out to them. Example is reporting on XXXX that I did not make some payments that I did in fact make in XXXX while reporting almost no late payments in XXXX before charging off in XXXX while reporting those payments to XXXX for XXXX but also reporting a 60 day late payment status for XXXX even though I made those payments in XXXX. 

I also do not understand how after paying about {$3200.00} on my loan with One Main Financial why my account balance was still at about {$3500.00}. This is especially true considering that One Main Financial offered for me to pay about {$2500.00} which was the remainder of the account around XX/XX/XXXX to close the account out with them. 

I am tired of fighting with this company to do the right thing and report the correct information and to stop being a contributor to negative impacts on my credit score and reports. I have no wish to speak with anyone from the company after the appalling way I was treated by their agents just for trying to get statements in writing of late charges they claim were made to my account but never appeared on my statements and/or for asking why my account balance was not coming down even after all the payments I had made on my account.

Company response to consumer: Closed with non-monetary relief