Consumer complaint received 2024-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I purchased this vehicle XX/XX/XXXX of XXXX. I had initially sent XXXX to XXXX XXXX to find the vehicle for me because a friend of mine ( XXXX XXXX XXXX said he helps people find cars. She sent me his number and I got in immediate contact with him. My friend at the time had no idea of XXXX  prior history with theft and fraudulent behavior.. He found this XXXX XXXX for me and told me the vehicle was ready as long as I had the down payment. He instructed me to not worry about paycheck stubs or any proof of income. When I got to the dealership I sent XXXXXXXX XXXX to XXXX ( last name unknown ) an older XXXX XXXX who made me feel comfortable with the purchase. I drove off with the car and no problems were had. I had a vehicle warranty for a couple of months I believe and I had insurance on this vehicle with all-state as a good student. I had the vehicle and paid my car note every month. On XX/XX/XXXX, I went out to a bar with several other friends for new years, I was about to head home and had realized police were everywhere surrounding my vehicle. My vehicle was damaged in a deadly shooting resulting in the death of another and the grieving of his family. I was told the bar has insurance for these kinds of shootings. The lounge/bar is hush lounge on chimney XXXX XXXX XXXX My insurance policy had ended that exact night. I was asked to commit insurance fraud by XXXX XXXX so my vehicle could be written as a loss and I would get a new vehicle. I almost did it but something told me not to. I drove my vehicle home and had it there for a couple of days. At the time I was staying at XXXX XXXX XXXX XXXX texas at an off campus home. XXXX XXXX informed me of a man who could fix my vehicle for XXXX XXXX I had recently around that time received money from school so I was able to try to repair my vehicle. I agreed and XXXX had someone come to my home to pick up my vehicle around the first week of new years XXXX. The man who offered to fix my vehicle was trying to overcharge me for the price of the vehicle to get fix more than the price that was given to me. At this point I realized XXXX XXXX and the man who sold me the car and the man who offered to fix my car were all working together to get money out of me. My car was never given back to me at all. The car was stolen from me. I decided to leave the situation alone. XX/XX/XXXXXXXX I tried to apply for a debit card and I was told that I could not get approved because of my credit. I looked on my XXXX  account and saw a charge off from four sight capital being ran on my account until XX/XX/XXXX from XXXX. I called four sight capital and a young man said that my vehicle was repossessed and rebuilt and re sold. This I had no knowledge of and my vehicle was never repossessed. We consider this complaint his formal request and Foursight has mailed a copy of the signed contract, full payment history, and XXXX XXXX 's signed credit application to the address of record. nothing was ever mailed to me and my landlord confirmed that when I moved out of my former address. Foursight stated multiple inaccuracies about this vehicle and the loan. The loan was opened fraudulently under my name without my consent and knowledge. My vehicle was never repossessed. I am a victim of fraud and am now in the process of a formal lawsuit against XXXX XXXX and the dealership XXXX. It is under my impression that Foursight was aware of the Fraudulent activity however this company has ties with XXXX at XXXX  and have been running scams like this for the past few years. It has now come to my attention that the man who found the vehicle for me and the man who sold the vehicle to me were working together. They made sure the vehicle found its way back to the dealership without me knowing to write it as a repossession and run it as a charge off on my credit. I am a victim of fraud and I know better now.

Company response to consumer: Closed with explanation