Consumer complaint received 2024-07-04
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: OneMain Finance Corporation (CA)

One Main Financial has, and is continuing it's XXXX systemic institutional predatory lending busine practices vs. XXXX Americans!!! I applied for a unsecured personal loan XX/XX/XXXX ... had my credit reports ran with a XXXX score... was approved XX/XX/XXXX. Then was called by a XXXX XXXX XXXX at XXXX am to complete the approval process. we had a conversation, and with my net worth off of my credit report I confer with XXXX XXXX regarding getting a higher loan amount approved. We discuss a increase via upping to a title loan on my XXXX XXXX XXXX XXXX per providing a laundry list ( attached ) of XXXX requested documents to be submitted. List of documents include tax return extension, XXXX 's, XXXX 's. XX/XX/XXXX I'm contacted by XXXX XXXX via text message stating that underwriting has approved the loan amount increase to $ XXXX ... later again via text message stating verbatim : XXXX, It's XXXX, I have been in a meeting sir. I seethe documents uploaded and thanks for handling. For the title, can you unfold and resubmit please, front and back. New picture of the VIN, maybe do the XXXX on the door, I couldn't see the windshield VIN. Odometer, a bit hard to read, is that XXXX? Insurance, I need the declaration page so we can see comprehensive and collision coverage please. I got the extension for filing just need your XXXX returns. I reply OK ... can you increase the loan amount to between $ XXXX $ XXXX. He states via text verbatim : I'll need get with my underwriting. Your income being verified will help me out, so as soon as we do that I can send it up for more and see what we can get. I reply : OK, I'm sending it!!! He replies via text verbatim : This was just for the time being. I will call you once I get those documents and we can discuss the final steps once they are all verified. XX/XX/XXXX at XXXX pm I reply : Above requested documents sent ... XXXX pm I communicate via text : that I am trying to submit commission/pay statement ... he replies via text verbatim reply verbatim : Thank you sir, I have opened a slot for you to please upload your statement. Thank you for your assistance regarding this matter. I'm starting to feel/see the XXXX inequality underwriting process rearing it's ugly head with the excessive over the top document requests on this very simple basic title loan! XX/XX/XXXX, after speaking with a legal representative, and being informed/told of One Main Financial previous XXXXXXXX XXXX negligent XXXX business practices conduct towards XXXX Americans, and them being headquartered in the XXXX hotbed of XXXX, Indiana, XXXX forward via text verbatim : Per my legal rep ... Send me the underwriting guidelines relative to a vehicle title loan, also to include my/the vehicle deductible requirement, also, I state that it looks like some XXXX bias business practice conduct is taking place in attempting to doing/completing my application process with One Main Financial. I also will NOT be providing any more documentation, and will be reporting this negligent XXXX inequality business practice conduct to the Consumer Financial Protection Bureau. The underwriting that is taking place is predatory lending which is excessively discriminatory, and illegal under federal law. I am then contacted by a suppose supervisor named XXXX XXXX... phone contact XXXX to try to smooth over the outright blatant negligent illegal XXXX discriminatory predatory lending business practice that has/is taking place by customer service, and underwriting despite having properly submitting ALL requested documentation. XX/XX/XXXX, I am called by a XXXX phone contact XXXX, leaving a voice message to call her. XX/XX/XXXX, I am again called by XXXX stating that she needs my schedule C from my tax returns when my tax returns have been provided and includes my schedule C??? Some more blatant negligent illegal XXXX discriminatory predatory lending business practice conduct nonsense. Last week don't have exact date/time I'm called by a lady named XXXX stating that she wants to address my schedule XXXX from my tax returns, which again is included in the submitted tax returns... some more excessive illegal XXXX discriminatory predatory lending business practice conduct nonsense!!! In XXXX I applied for a unsecured loan, was approved, requested a copy of my/the credit report, and was told by the XXXX customer service representative XXXX I would NOT be provided a copy unless I agreed to accept the loan!!! Which I did NOT accept ... I also requested a copy of my report regarding this XXXX application process, and again was/have denied!!!