Consumer complaint received 2022-10-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (PA)

have been having a dispute with one main financial for several years regarding a XXXX insurance claim. I filed a XXXX claim with them after I became XXXX in XX/XX/XXXX. They approved it for 12 months and said we could review it again in XXXX if I was still XXXX. Since I continued to be XXXX, I asked them when they stopped the payments what to do. I was told to have my doctor fill out another claim form by one of their insurance representatives. I did as I was told and it was denied. I asked them why since this is what I was told to do. They said the doctor at the practice put down incorrect dates on the form to have them correct the dates so that it showed I was continuously XXXX from XX/XX/XXXX and we did what they said. 
After this I got another denial saying I was released to go back to work ( I have not ) and was only partially XXXX not permanently XXXX ( I am not partially XXXX I am permanently XXXX ) and could work. I don't know what to do since they keep changing the reason for the denial after my doctor and I explain and do what they said to do. They have called me literally hundreds of times up to 5 times a day after being told to stop on XX/XX/XXXX of XXXX. They claimed I needed to call a different number to have the calls stopped although they called me from several different numbers several times a day. I asked them for a detailed breakdown of charges They didn't give it to me. I asked them for a copy of the contract and details for the XXXX insurance they were denying. They didn't give it to me. They never gave me a detailed copy of that or the roadside assistance insurance, unemployment insurance etc. I recently found out that they were subsidiaries of one main themselves which they never disclosed and that they essentially out the insurance payments back in their own pocket asking with the insane interest rates which aren't fully explained. Please help. I paid their outrageous interest rate and fees for the insurance so I would be covered if XXXX. I was never told of any limitations on it or that I would be harassed when XXXX. At one point they threatened a lawsuit knowing I was XXXX and unable to pay. 

I am now about to lose my car because the state of Pennsylvania needs the title to register the car but I can not get the title due to the lien and moving from Florida. Since the city is threatening to take my car to a tow yard and charge fees I can not pay I called one main to repossess it so at least I wouldn't be paying lot fees and they have the lien. I figured at least then something would go toward the amount owed although the XXXX insurance should have taken care of everything. They refused and said I would owe even more for the repossession if they did. They said the car wasn't enough to pay the loan and they would add on the cost of the repossession. But yet they still have the lien on it. So I can't register the car I so badly need because of the lien and needing the title number. They say my car isn't worth repossessing but won't let me have what I need to keep my only transportation either. 

They say I don't need the title or title number but when I went to the registration place and online they say I do because I moved from Florida to Pennsylvania in XXXX after the Hurricane XXXX destroyed XXXX XXXX Florida. 

Motor Vehicle Information for New Residents How To Title and Register Your Out-of-State Vehicle in Pennsylvania All new residents are required to make application for Pennsylvania title and registration of their vehicle ( s ) within 20 days of establishing residency in Pennsylvania. 

As indicated below, individuals are required to have a valid form of Pennsylvania identification in order to make application to title and register a vehicle in Pennsylvania. Although new residents have 60 days to obtain a Pennsylvania Driver 's License, there is nothing to prevent them from obtaining their Pennsylvania Driver 's License sooner. 

Pennsylvania title procedures require that the out-of-state title be surrendered to the Bureau of Motor Vehicles when applying for a Pennsylvania title. The current lienholder of an out-of-state title may require that the vehicle owner refinance the balance of the outstanding lien through another lending institution and pay the out-of-state lienholder in full. A Pennsylvania Certificate of Title will only be issued when the out-of-state title is submitted with the completed Form MV-1, " Application for Certificate of Title. '' Likewise, a temporary Pennsylvania registration plate may only be issued when the out-of-state title is submitted with the application for Pennsylvania Certificate of Title . 

I called their office in XXXX and the office in Florida both claimed they couldn't help me with the information I needed and referred me back to their 800 number and the people at the 800 number were the ones that refused to help saying I didn't need it. 

I spoke to an account manager who claimed he could send me proof of the lien then when I requested it be sent only sent the original contract not the lien information. They promise things then change them the next time I call. 

I paid all their fees and for the XXXX insurance so I wouldn't be in this situation and I did everything they said regarding that XXXX insurance. Please help. I can also show you call logs showing the harassment but can not attach everything. I can email them to you. I just want the debt paid by their insurance subsidiary and my title to the car sent to me. I paid their outrageous fees to have that coverage. Currently my car is being stored at my aunt 's property so I do not incur tow and lot fees I can not afford. My doctor was willing to give all the information they needed bit they kept changing the reasons and I did not jervis what to do. I would appreciate any help you can give. I can also email you call logs showing the harassment. 

Sincerely, XXXX XXXX