Consumer complaint received 2018-03-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (AE)

I initially took out this loan from OneMain Financial in XX/XX/XXXX in XXXX XXXX. I was making payments for 2 years and then my Spouse who is XXXX XXXX Military got transferred to XXXX in XXXX. I fell behind on the loan and then brought it back up to current three months later, but at that time they transferred the loan to another department in XXXX, so I was forced to make payments through direct debit from my account. I remained paying on this loan and current up until my spouse who is still XXXX XXXX Military was transferred in XX/XX/XXXX to the XXXX XXXX. At this time I am a XXXX XXXX employee and had to take a leave with out pay until I could get a XXXX XXXX oversees. I fell behind at least 90 days and then in XX/XX/XXXX I contacted OneMain because I had been making bill payment payments to my account but because OneMain had transferred my account to another department my payments were never accepted. When I called in XX/XX/XXXX the lady that helped me was ( XXXX XXXX ) said that if I made 3 monthly consecutive payments I could be set up again to make payments on line. So I paid that payment, then on XX/XX/XXXX when I called back up to make my payment it took 3 different phone calls to 3 different departments for them to take my payment. the customer Service reps stated that they could not accept my payment because my bank debit card was a XXXX and after 4 hours of calling back and trying to get someone to understand that I had made payments on this card last month and the month before that it was unethical for them not to accept my payment. I ended the last phone call after they finally accepted my payment in tears and literally almost having a nervous breakdown and I explained to these people that they not only were effecting my credit report but also my XXXX XXXX   that I need to stay employed with the XXXX XXXX. Both of the Reps that I was talking to were so rude and were literally dening me the opportunity to pay my debt off. I call tonight, again from the XXXX XXXX to make my payment and was transferred again to another department and was told that my loan had been charged off and that i now could pay my loan and I was not subject to any fees for the use of Debit Card. I asked the rep how could my loan be charged off because I was told that if I made 3 consecutive payments that I could become eligible to make online payments which would be much easier for me due to the time difference in the XXXX and with my hours that I work. She told me that it was now charged off. I asked her if she saw all my notes on my account with all the issues that I had and she said yes. i also asked her if all the other conversations that I had with the other reps over the last 4 months had been recorded and she said yes. I know that there have been some FDCPA violations with regards to my loan. I know that I should have been able to have fallen under the SCRA with regards to being a spouse of an XXXX XXXX Military, yet this organization has chosen to charge off my account which would definatly effective my future employment with XXXX. I am asking that this loan be reinstated and that an investigation should be launched into the Lending and debt collecting of OneMain Financial, which I believe falls under XXXX XXXX.