Consumer complaint received 2023-06-29
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: OneMain Finance Corporation (TX)

My bank started the issue with returning a payment in error, stating my account was closed. It took 3 months to get them to admit and correct this error, but they sent a letter stating it was an error and not my doing. So one main opened auto pay back up. But during the 3 months, I was having to manually pay online, which put me behind because I only have one bank, and now have to move money between cards and be subject to each institutions wait and processing times. I always made every effort and paid any late fees applicable. I also made sure the issue was fixed. But after that, thr employees at one main started to call me and ask me to schedule an auto pay or defer. I deferred once but decided it's cheaper to pay the late fee and set my auto pays with the reps up for the XXXX. Well XXXX I get a call from a rep again to set up another, while I try snd catch up to current, and I always schedule the XXXX because it's my XXXX XXXX pay day. I move on with life and I get another xall from another rep who begins harassing me abkut how I need to make a payment right now or defer right now. I tell her I already have one scheduled and she says it doesn't matter, I need to either make a payment right now or defer right now. I insist I habe one scheduled and how does it not matter when another rep scheduled it with me prior? She said it's not ok to be late and if I don't pay or defer then she is going to have to have the branch manager call me. And I said fine because it isn't ok to tell a consumer a payment is ok and then lie about it and harass them for more. The branch manager never called me so I pa icked and went online and coukdnt see a scheduled payment. I made an immediate payment for what was due, all of it, {$600.00} and some change. Well two days later I get hut for over {$1200.00} off my account. I had actually had kne scheduled but they did it for the XXXX and I never would ever request the XXXX. So I start trying to get the double payment back and the rep tells me they won't give it back because XXXX is next week basically. Now that is two {$600.00} payments in one month .... why did I get charged late fees twice? I should get one late fee back as it isn't XXXX, so XXXX isn't late. They refuse. I file a complaint with XXXX and on complaim on their XXXX. I get a call today and they say sure we will give the extra payment back, no problem, but you need to send us a current bank statement or we CANT. I ask if this is law or internal policy, they say internal policy. So they are holding a double payment, that they are not entitled too, plus a late fee they also are not entitled to, for an internal policy that does NOT trump state or federal laws ablut refunds and extra payments or payments taken on wrong days. I asked for a waiver since they can clearly see in their system that they took two payments in one month, and he admitted he can see it but that they can not return my money back to me, because their company invented a malicious internal policy to make consumers XXXX through hoops for refunds they are legally entitled to.