Consumer complaint received 2016-06-28
Product: Consumer Loan — Pawn loan
Issue: Can't stop charges to bank account — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

I took out a loan with Onemain Financial , Inc. located at XXXX XXXX XXXX XXXX Ga XXXX back on XXXX/XXXX/XXXX. I borrowed {$1000.00}. I went back to borrow {$500.00} on XXXX/XXXX/XXXX for them to payoff XXXX XXXX and XXXX. The balance was {$600.00} for XXXX XXXX. They gave me a check for {$600.00} to pay them off. They also gave me a check for XXXX the same day to pay off XXXX which totals to {$2500.00} plus the renewal of {$99.00} of all the money ever borrowed. I missed one payment back for XXXX/XXXX/XXXX. I went back to them on this date to do a renewal because I did n't have the money to pay for XX/XX/XXXX. They said if I did n't do the renewal they was going to take me to court. They gave me a check for {$99.00} for me to turn and give back to them with prepaid finance charge of {$260.00}. When I add up my receipts I 've paid them over the course of this loan close to {$10000.00}. I told my brother about my situation. He immediately wanted to know what was going on. I had him to speak with the manager at OneMain Financial. He ask the manager for the number of payments. She told my brother they only had a record of 27 payments. I pulled out my money order receipts and counted 38. There are more receipts. I have to find them due to the fact I had to move. My brother took me there to discuss why the loan was so outstanding although I have been paying faithfully XXXX to XXXX every month with a few exceptions. When we got there we asked to speak with the manager. The manager was not available therefore we had to speak with someone else. It was a gentleman. My brother wanted to see all details pertaining to signatures and copies of signed return checks. He was not able to produce valid signatures on all the documents. He was telling my brother that I had kept coming down there to borrow money and something in reference to a renewal. In the process of going through the documents my brother notice that there was XXXX loan for {$850.00} that was signed by someone else they claimed I got a month later on XXXX/XXXX/XXXX. This is not correct. I have not been back there other than the times I mention earlier. The service rep was shaking and falsely accusing me of coming back there to borrow the money. Someone signed my name in the style of printing my signature. We ask for copies to justify my innocents. I did received copies of some the records. The payoff balance as of XXXX/XXXX/XXXX was initially {$6200.00} even after 4 years of paying them close to {$10000.00}. I asked him why am I still paying for this loan. That 's when he stated to me that I kept coming down there to borrow money or something concerning a renewal. He then went back into the computer and changed something. The balance is {$5600.00}. I do n't know what they are doing but I 'm worried and sick of the threats of taking me the court if I did n't pay even though I pay every month. In short, I feel someone has committed forgery in my name as if I have taken out additional loans that dates back to XXXX/XXXX/XXXX. The interest rate was 25.37 % to 30.45 %. I XXXX XXXX am giving XXXX XXXX to discuss anything concerning this case.