Consumer complaint received 2016-08-05
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
The issue i have with OneMain is that my bank account was compromised, i called them and let them know to stop the auto payment and that i would be making the payment via money order. Then the harassing phone calls started they were calling 3-4 times a day, it was shortly after after i advised them of the issue with my bank account AGAIN and let them know that i am working on getting this resolved. I had never been late or missed one payment the whole time i have been a customer with this company for at least 7-8 years. My bank account was closed and i was out a lot of money for several months why the bank researched the issue. when i finally got some of my money back, i was behind on my car payment, house payment, utilities. Then XXXX the manager at this XXXX Ga location was calling me several times a day and saying i needed to catch the account up and it was so far behind, i advised her just like i advised the other ladies in the office that i would be sending in or dropping off money orders in the amount that i could pay until i get back on my feet. well i did drop off money orders in the drop box of the office and they were returned to me via XXXX with a letter saying i needed to pay the whole amount that was past due. i could not do that. i was just trying to catch up on my House Payment and car payment, the loan was honestly the last thing i was worried about. So i called the district manager and she never returned my calls. i was trying to let her know what was going on and that i did n't want to deal with the XXXX office any longer they were not helpful and did n't care or understand any ones issues, now i have received a letter from there attorney in the mail saying that there gon na sue me. i have tried to pay on the account what i could when i was employe, they REFUSED several of my payments, and are reporting negative on my credit after it had tried to pay them several times just not the full past due amount and what i left in the drop box was returned vis XXXX. i am now unemployed. this office is RUDE to deal with they will do anything NOT to help you when you in a bind, i have gave this company more all of my business for so long, but i would n't recommend them to anyone. The manager is HARASSING and rude to customers that have hit a road block in there life and needed someone to work with them. i will be speaking with an attorney i do have the letter that was mailed back to me with a copy of the money order that i sent in to them, when i was trying to pay the payment was refused by XXXX the branch manager, her name is the one on the letter that was sent back to me via fedex. Then the customer service center was calling me every day several times a day from all different numbers, i ask them just like i ask the office NOT to call my phone i would follow up with them when i could pay, well there still calling they called me 2 times today. this company Harasses there customers, i want this debt wiped off my credit and reported accurately. Someone should really monitor this office and see how they are treating the customers. ALSO when i took out the loan i was not given a option to decline the OPTIONAL insurance products, when i contacted the office they told me that i had already purchased them and that i could not get them removed off the loan and that amount refunded back to my balance. So also they are not disclosing that the insurance products they offer are OPTIONAL, they are MAKING the customer take the insurances.

Company response to consumer: Closed with explanation