Consumer complaint received 2016-12-12
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MS)

On XXXX/XXXX/16, approximately at XXXX. I received a call from XXXX ( Store Manager ) at One Main in XXXX XXXX, XXXX XXXX was calling to confirm that I was paying my scheduled payment on XXXX/XXXX/16. On XXXX/XXXX/16, I spoke with XXXX and another female associate while I was making an in office payment. During this time, I confirmed that the next payment will be made on XXXX/XXXX/16. While in the office, the female associate ask me if I want to refinance my loan and I told her " No ''. I also told her that someone else had called me previous ( in XXXX 2016 ) and asked the same thing and I told her No as well. I told this person that I am trying to pay my loan off. This person that I spoke with in XXXX give me a payoff total. The female associate then asked me to defer my payments. I asked her to explain that and she told me that they will apply my current payment to interest only and move XXXX payments to the end of my loan. After that I was to make a payment on the XXXX/XXXX/16. I told her No. I asked that she please apply my payment as a normal payment that I will be in the office to make the next payment on XXXX. She visually got upset and called XXXX ( supposedly the manager ). XXXX then went on to tell me that I needed to do the deferment or refinance and I told him again No. I was not signing a deferment letter or refinancing my loan. I told both of them that I was almost finish paying it out and was not starting over. I also told them about the conversation that I had with a employee in XXXX and what she told me was my payoff balance. He told me that my payoff was much higher over {$100.00} more than what the other lady initially told me. Why will someone tell me XXXX thing and then these XXXX come up with something totally different? 
Back to the XXXX/XXXX/16, so when XXXX called me that night, he asked if I was still coming in the office to make the payment. I told him that I was not coming in the office because I had to work but will send someone in the office to make the payment for me. XXXX told me No, that I need to bring the payment in myself and sign the deferment or refinance papers. I told him that I was not signing anything. That I already discussed this with him on my last visit. XXXX then told me that he will not accept my payment on XXXX/XXXX/16. I asked him to send me a letter stating that and the reason why my payments were being deny. He refused. 
I believe that because I refused to refinance my loan or defer my payments in which will result in the company will result in make more money from my loan, XXXX refused to take my payment in which will cause me to pay additional interest and penalties as well as derogatory marks on my credit file. I have been a customer with Springleaf for over two years and never had a problem with anyone. Now that One Main has merger/acquired Springleaf is this the type of behavior that I will be subject to? I believe that this is unethical, deceptive, manipulative lending practices which are forcing me to amend my contract to meet someone 's quota for the month and to make the company more money. I am totally upset with this. I made the payment online using my credit card and received the confirmation message, I pray that my payment will not be rejected but I wanted someone else to be aware of this and I am afraid of retaliation from this office being that they have the ability to do or add whatever they want to my account because of my refusal to do what they want me to do.