Consumer complaint received 2016-03-19
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

On XX/XX/2016 One Main Financial ( One ) called me on my cell phone asking to speak with XXXX XXXX. I told them that I am not XXXX, that they have called my cell phone, and that I do know XXXX. I told them that I already told them this phone number belongs to me and not the person they are looking for. I asked who I was speaking to and the employee of One refused to give me her name. When I asked to speak with the Complaince Department, she said sure, one moment. Then she came back on the phone and told me that they do not have a Compliance Department, but I could speak to one of the managers. I told her sure and then she hung up on me. 

I called One right back at XXXX. I spoke with XXXX. I told they hung up on me and she asked to tell me the reason for the manager and I told her. 

Supervisor XXXX took my call. I explained the situation to her in great detail. She told me her system shows that they are calling and trying to locate XXXX. ( XXXX ) She made sure that my number would not be called again. I demanded {$1000.00} from her for violations of the FDCPA. I explained how they are only supposed to call one time to locate someone. She offered to fax me a copy of the FDCPA that they go by and that they are updated. She started to talk about XXXX debt protection laws but I explained to her FDCPA is Federal and that I am a resident of XXXX. 

I started to explain to her that my call in registered on the governments Do Not Call list, but I was interupted by her. She told me that this is not a solicitation and that XXXX provided the phone number to them. XXXX told me that because my phone number is registered in XXXX that there are no stipulation for the FDCPA. 

I explained FDCPA part 1692b ( 3 ) to her but she got mad at me, told me " Thank you for calling One Main Financial '' and I interrupted her, telling her " One moment, one moment '' but click. XXXX hung up on me. I had a felling she was going to hang up on me and sure enough she did. 

I called One again and I asked to speak with XXXX or her supervisor. XXXX took my call, I asked her if she hung up on me, she asked who I was and she told me she did not know who I was. I explained to her that I had just spoken to her but she still did not know who I was. She asked me to refresh her memory and I did. I told her you had hung up on me. 

I read the FDCPA to her, part 1692b ( 3 ). I told her how I spoke with their representative a few weeks ago about the same. She told me she would have a supervisor call me. She asked me if there is anything else she can do for me and I told her no, other than to stop calling me. She said something, I continued, to tell her " other than to have her supervisor to call me of course. '' XXXX kindly told me that there will be no more call to me, that is all she can do, how she will put in a complaint for me and best of luck, have a good one. I told her " Thank you '' and out of no where, I mean out of no where the tone of XXXX 's voice changed and her attitude changed from day to night. She snapped at me and told me " Are you done, OK, are we done. '' I told her there is no reason to be like that. XXXX told me " I WAN NA MAKE SURE, NO-NO-NO, I WAN NA MAKE SURE THAT YOU 'RE NOT SAYING THAT I AM HANGIN UP ON YOU- I WAN NA MAKE SURE ALL OF YOUR THOUGHTS AND CONCERNS ARE COMPLETE. '' I responded to her " But you did hang up on me. '' She told me she was ending the call and I told her I would be doing the same and we ended the call.