Consumer complaint received 2019-08-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

Re: account number XXXXI got this loan originally in XX/XX/XXXX. I made all payments on time and then lost my job. I still struggled to pay on time until XX/XX/XXXX when i fell behind 90 days. I asked for a modification and one was granted. I paid a reduced amount and was told when the modification ended i would be brought current and would then return to pay my original amount. I did everything that was agreed upon. I set up auto pay and the funds came out of my checking account monthly. In XX/XX/XXXX i was contacted by a representative saying my account was past due even tho i was on auto pay and they had been taking payments from my checking account monthly.I asked the lady how i could be past due when i had a modification that bought me current and made all payments there after on time.She at first had no idea why i was late but all she could tell me was that i was late. After speaking to her supervisor i was told that the reason i showed up past due to was because my due date was on the 15th but my auto pay had been set up on the 20th so i was being charged interest and fees for late payment.I then advised that i set the auto pay up with a representative who told me i could pick any day to pay up to 5 days after my due date because there was a 5 day grace period and i wouldn’t be penalized.So months after paying automatically on the 20th i get a call saying well the grace period isn’t really a grace period and you are still charged late interest fees.I asked why that wasn’t communicated when i set the auto pay up. I was extremely frustrated because if they hadn’t told me there was a graven period i would have set the auto pay to come out on the day the payment was due.At that time i was told that if i made an extra payment they would bring my account current.Almost a year later XX/XX/XXXX i get another car once again saying i am past due. This time they say I owe about 400 in late fees.I explained that i pay monthly and never missed any payments after my modification. I then referenced the convo i had with their representative a year prior when i was told the whole issue was taking care of because they set me up for payments under the impression of a grace period that does not exist.During that convo i requested a break down or my payment history be sent to me. What i received was an illegible leger that a consumer can not decipher what was paid and when.The next thing i know i get an alert that my account is 30 days past due on my credit profile.I called the company and again said how is this so when i am on auto pay. They advised that my auto pay was only set up for 6 months and that XX/XX/XXXX payment never was set up to come out.Now i am beyond frustrated because i has spoken to a rep in July that never mentioned my auto pay  was expiring. I now have two issues. One i want the 30 day late removed from my credit. The balance is all fees that should have never been assessed based on their representative falsely advising me of a grace period.Also i want this company investigated for unfair and deceptive business practices.It is misleading and unlawful to lie and tell a customer that there is a grace period and they can choose any date up to 5 days after their due date to pay through auto draft with out explaining to them that there’s is not really a grace period and they will be accessed late charges in the form of interest.This company already charges a 22% interest rate. They have taken advantage of consumers like me.I want this account to be removed all together. I think what they have done is illegal and dishonest to the consumer.