Consumer complaint received 2017-10-28
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
In XXXX I changed careers and took a drastic paycut. I refinanced my loan with XXXX XXXX XXXX at their request to catch up past due payments. Before the career change I went thru a divorce and was hit with an astronomical monthly child support debt. When I refinanced the loan with XXXX XXXX they were aware of all of these changes. Since then on numerous occasions I have expressed to them that my primary vehicle is a motorcycle. The same one that they have a title on for the loan. It is my primary/only means to get back and forth to work. I get to the school which is an hour and twenty minutes from my home around XXXX every morning and can not have my personal phone on loud or use it during the day. I am in class until around XXXX then have staff meetings and lesson plan periods. I usually leave the school around XXXX and have the SAME hour and XXXX minute commute home. I can not use a cellular phone and drive a motorcycle at the same time. I also can not call from school or use a work phone to handle personal business. I have explained this before the refinance, during the refinance, and several times when I was able to after the refinance. I STILL receive upwards of XXXX phone calls a day from XXXX XXXX. Today I received one from the corporate office that showed up as a picayune XXXX XXXX. This morning already before that I received two others with voicemails attached that they were trying to get ahold of me from unknown numbers that were not local XXXX numbers. I feel that its not safe or truthful to hide who is calling and have the same company show up from several other locations in an attempt to get ahold of me. I could understand if I had NOT already explained all of this on several occasions. When I spoke to the representative from the corporate office I was pressured to give my personal bank info to set up a payment from that same non disclosed number that wasnt of the local branch. I hung up with that representative and not even 5 mins later received another phone call from the local branch asking about the payment that I had JUST spoken to someone else about from corporate. My wife answered the phone because I had just stepped out to walk the dog and asked if it was XXXX XXXX XXXX it was saved in my phone as XXXX XXXX. ) The representative declined to answer and just said that they were looking for me. My wife, knowing that it was the local branch, informed them that I had stepped outside and that someone had just gotten off the phone with him and that it was ridiculous someone was calling back that soon and that it was bordering on harassment. I agree that this is harassing behavior. The representative rudely said that she was the only one in the branch today calling accounts and that it must have been someone from corporate calling and that she would disconnect the call if I wasnt available. 

I can understand that I owe two payments, but they also need to understand that I am not able to answer XXXX phone calls a day and repeat myself continuously. One phone call a month to explain the situation and let them know that my pay schedule has not changed from the previous month and that I get paid the last working day like EVERY other XXXX employed by the state should be sufficient. I should not receive daily phone calls nor should I be forced into giving my personal bank information to alocation/number that pops up a different place from local towns XXXX miles away. When I am able to pay, I pay securely online.

Company response to consumer: Closed with explanation