Consumer complaint received 2015-08-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

My name is XXXX XXXX and I made a huge mistake by co-signing for my daughter on a car loan with the company Spring leaf financial. They could not approve my daughter at the time because of her credit score so giving the benefit of the doubt and trusting my daughter I went ahead and co-sign for her. She then took the car and did n't starting to make payments and I was been called at work at that time. It end it up that she surrender the car and Springleaf financial auction the car and what ever the price was given was subrtatced from the remaining balance. At this time I was working but as of XXXX XXXX, 2015 I am no longer working and am on a fix income for XXXX. This company has never once tried to help me with this situation and I asked on several occations that they take me off the contract but their excuse was that my daughter credit was not good enough for her to stay on the loan. XXXX of the employer their by the name of XXXX in the XXXX location has been nothing but unprofessional, rude, and disrespectful to me all the time I have tried to call and speak with him. I have to get the district manager XXXX to get involved due to his employee actions and attitude. Now my daughter ever since has been making the payments on this account and has fully been in contact with XXXX even has made payment arrangemenst with him. She could n't keep up with the payment so I was told I could refince the loan but XXXX XXXX will have to be taken off the loan. With that said I went ahead and refinance the loan for her because she asked me to. The payment were lowerd but not by much. Just the other day I receive XXXX letters from Springleaf financial stating that payment has not been done for the account. I called XXXX and once again very unprofessional and rude clearly stated that they were going to reposses my car that is paid off in full because it was being used for collateral. At this time I stated that I was not working not receiving unemployment and was on XXXX. But XXXX did n't care he said I need to pay the account. I then gave him my daughter work number and they payment arrangement to pay the account. I also spoke to the District manager XXXX who respond was that he was n't going to allow for my car to be reposed and that he will get of hold of XXXX. The next day I decided to call XXXX thinking that some resolution can be made but his response was that my daughter called XXXX and stated that we were having family problems. I then responded and said what does that have to due with anything. I need to know how can I go about this situation and not end up in collection. I did explain to him that I was n't working and I was under XXXX. But he did not seem to care and just said you are having family problems. Now come to find out my daughter will not be paying the account and I do n't know how I will get the money to pay for this account due to my fix income. What can I do at this time? I need help? Can you please help me to see how I can I go about this and who to go to for help. I am not working and making those payment will really cause me to have no food or be able to pay my monthly expenses like rent, light, gas, car gas, and food. I need help.