Consumer complaint received 2016-04-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

On XXXX XXXX, 2016 I was contacted by an agent named XXXX at Springleaf. She advised me that my installment payment of {$170.00} due on XXXX XXXX, 2016 had not been received. I informed XXXX that I had excessive monthly obligations and would be paying late. She offered me a deferment under the condition that I make the XXXX payment that day, which I did. However, I did n't realize that I had paid {$1.00} short so XXXX called back the next day - at which point I paid another {$2.00} and XXXX confirmed the deferment agreement would be mailed to my home address. I received the deferment agreement a few days later. It was dated XXXX/XXXX/16 and signed by an employee named XXXX XXXX. I signed it on XXXX XXXX, 2016, made a copy, and placed it in the outbound bin at work. I continued to receive what I believed were collections calls from Springleaf, which I did not answer. Fast forward to today ( XXXX/XXXX/16 ) I received another call from Springleaf. The agent ( I did n't get his name ) advised me that my XXXX payment was past due. I told him that my XXXX and XXXX payments were deferred per the agreement I received. He explained that there was no deferment in place because the document was not received timely. When I protested he confirmed that Springleaf did not receive my deferment agreement until XXXX/XXXX/16. He stated that the XXXX payment was now due in addition to the XXXX payment, due tomorrow, XXXX/XXXX/2016. I told him that according to the deferment agreement, my next payment was n't due until XXXX/XXXX/2016. He stated " it is n't supposed to say that '' which alarmed me because Springleaf has apparently sent me an ERRONEOUS deferment agreement WHICH THEY WOULD NOT HAVE HONORED in the first place. He stated that Springleaf only offers " half deferments '' and " 1 month deferments ''. He then tried to blame me for Springleaf 's failure to credit the deferment agreement to my account by saying the phone calls I was receiving " should have triggered '' me to know something was wrong! 

I asked to speak to a supervisor and was connected to XXXX XXXX. XXXX confirmed that there were " INCONSISTENCIES '' in the deferment agreement. However, per XXXX the " root cause of all of this '' was the fact that the agreement was n't received timely. I acknowledged to XXXX that perhaps the mailroom at my job lost the envelope prior to mailing, as the previous agent did confirm that the envelope was post-marked XXXX/XXXX/16 from zip code XXXX ( my office location ). Then XXXX stated that the image of the envelope in Springleaf 's records DID NOT show the zip code it was mailed from - which means the previous agent lied to me when I asked him to confirm. In any event, my contention is that Springleaf would not have honored the agreement in the first place because it apparently offered terms that were not in line with Springleaf 's deferment programs. XXXX XXXX would not explain why an erroneous agreement which would have extended my maturity date, thus re-amortizing the loan ( hence the lower " new payment amount ), was sent to me. Instead, he started to scrutinize the fact that I did not answer Springleaf 's phone calls. He then stated that the agreement would NOT have extended the maturity date ( even though it clearly says that it does ), so I would have had a BALLOON PAYMENT at maturity ( not stated in the agreement whatsoever ), and that I did not send the agreement by the due date indicated on the agreement ( there is no due date on the agreement ). I asked XXXX XXXX to pull my phone calls with XXXX since he claims that she notated in my account that the deferment was due by the end of the month. I contend that she did not. Regardless, I simply ca n't account for what may have transpired in the mailroom at my job. The reps I spoke to today simply were n't willing to make any effort at remedying this situation. I do n't have the funds to pay at this time which is why I asked for help.