Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
SUPPLEMENTAL FOR CLARITY AND REFERENCE ONLY Factual Timeline, Summary of Events, and Clarifying Addendum Account : Loan ending XXXX XXXX XXXX XXXX XXXXXXXX Vehicle : VIN ending XXXX XXXX XXXX XXXX XXXX Incident Date ( XXXX ) : XX/XX/XXXX Prepared : XX/XX/XXXX Related CFPB Complaint IDs : OneMain Financial : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This supplemental is provided for clarity and reference only. These are not extra details. They are material facts directly relevant to wrongful repossession, concealment of property, breach of the peace, waiver by payment acceptance, inconsistent notice, and the continued refusal to provide legally required documentation and disclosures.

All prior notices, demands, and rights are expressly preserved.

I. FACTUAL TIMELINE ( WORDS ONLY ) XX/XX/XXXX Payment Accepted OneMain Financial issued a written Thanks for your payment confirmation reflecting payment acceptance on XX/XX/XXXX ( see Exhibit B ). This communication affirmatively reflects continued account servicing and contains : No reservation of repossession rights ; No disclosure of imminent seizure ; No indication that repossession authority was being asserted.

This payment was accepted on the very date OneMain later claimed was the final cure deadline. 



XX/XX/XXXX Vehicle Seized in California The vehicle was physically seized in California, despite the loan and vehicle being XXXXbased and the only known address on file being Arizona, according to OneMains own position.

At the time of seizure : No agent produced a valid repossession order ; No paperwork was shown ; Individuals refused to identify themselves ; Hostile and threatening conduct occurred, constituting a breach of the peace. 



XXXX XXXX XXXX Location and Documentation Withheld For a full week after the seizure : The vehicles exact location was not disclosed ; No repossession order was produced ; No lawful California authorization was shown.

Multiple calls and emails were made to OneMain, XXXX, and XXXX XXXX ( and/or entities claiming to be XXXX ). Responsibility was deflected while parties asserted the consumer already knew the address solely because the consumer physically appeared at a gated property marked XXXX, which occurred only due to GPS data from a personal phone left inside the vehicle. 



XX/XX/XXXX XXXX XXXX XXXX XXXX A redemption/appointment scheduling event exists within XXXX system. An appointment showing XX/XX/XXXX at XXXXXXXX XXXX was capable of being generated, yet : No pickup address was displayed ; No written location disclosure was provided ; No retrieval instructions were issued.

Additionally, an earlier appointment appears to have been created without authorization and could not be changed or canceled. Screen recordings are preserved. 



XXXX XXXX XXXX Escalation Only After CFPB Involvement OneMain customer service failed to provide meaningful assistance until CFPB complaints were filed. Only after CFPB escalation did OneMain confirm involvement of the Executive Office / Executive Customer Care, demonstrating that substantive response occurred only under regulatory pressure.

II. ENCLOSED : PAYMENT ACCEPTANCE CONFIRMATION ( XX/XX/XXXX ) Enclosed is OneMain Financials written confirmation thanking the borrower for the XX/XX/XXXX payment ( Exhibit B ). This communication : Confirms payment receipt and posting ; Reflects continued account servicing ; Contains no reservation of repossession rights ; Contains no disclosure of imminent seizure.

This evidence directly supports waiver, course of dealing, and undermines the credibility of any after-the-fact repossession notice claims.

III. INCONSISTENT NOTICE AND CREDIBILITY CONCERNS OneMain routinely used email and electronic communications for payment reminders and get back on track messaging. However, OneMain now claims a repossession notice was mailed by USPS while : Failing to provide a timestamped copy of the notice ; Failing to provide USPS proof of mailing ; Failing to email any repossession notice despite active email use ; Failing to produce repossession authority even one week after seizure.

These inconsistencies raise serious credibility concerns and support the inference that documentation is being generated after the fact.

IV. CONTINUED FAILURE TO PRODUCE REPOSSESSION AUTHORITY / CHAIN OF CUSTODY As of XX/XX/XXXX, the following remains unproduced : 1. The repossession order allegedly in effect before seizure ; 2. Proof of when and how any repossession notice was mailed ; 3. Lawful authority to repossess in California ; 4. Tracking or location data relied upon ; 5. Full chain of authority between OneMain, XXXX, XXXX XXXX, and any yard or tow agents ; 6. Exact physical location of the vehicle ; 7. Photographs showing the vehicles current condition ; 8. Itemized breakdown and legal basis for all charges demanded.

V. APPOINTMENT SCHEDULING WITHOUT LOCATION DISCLOSURE An appointment is meaningless when the vehicles location is concealed. 

XXXX XXXX reflects appointment capability while : Withholding the storage address ; Providing no written retrieval instructions ; Preventing lawful inspection or recovery.

This constitutes obstruction, bad faith, and continued concealment of personal property.

Demand : Immediate written disclosure of location and immediate availability for retrieval Friday, XX/XX/XXXX, or sooner. 



VI. BREACH OF THE PEACE / HOSTILE CONDUCT / INTENT TO SUE The repossession and retention process involved threats, intimidation, and hostile conduct, including multiple vehicles and individuals engaging in aggressive behavior. Consumers were denied paperwork, prevented from documenting the scene, and subjected to coercive tactics.

This serves as formal notice of intent to pursue civil litigation for wrongful repossession, conversion, statutory violations, and all related claims.

VII. COURSE OF DEALING PAYMENT TIMING ( NO AMOUNTS LISTED ) OneMain representatives have asserted strict payment timing ( e.g., due on the 1st ). That assertion conflicts with OneMains own records and course of dealing.

Throughout the life of the loan : Payments were routinely accepted on dates other than the 1st ; Payments were accepted in varying, non-uniform amounts, including partial payments ; No strict enforcement or acceleration followed
acceptance.

Specific payment dates are provided by exhibit ( Exhibit A ) rather than narrative to keep the record precise.

This established course of dealing contradicts any claim that payment on the 1st or payment of a specific full amount was a condition precedent to avoiding repossession.

VIII. EVIDENCE, WITNESSES, AND PRESERVATION DEMAND Live witnesses and video/audio evidence document threats, refusal to disclose, refusal to provide paperwork, and hostile conditions. The storage location has stated that surveillance footage exists.

You are on notice to preserve all evidence, including : Yard surveillance footage ; Tow-truck cameras ; Call logs and recordings ; Emails and internal notes ; Dispatch and assignment records ; Scheduling and access logs.

Spoliation will be raised in litigation.

IX. QUESTIONS REQUIRING WRITTEN ANSWERS ( NO PHONE ) Answer each question in writing and produce documents : 1. Current vehicle location ( full address ) ; 2. Identity and authority of the seizing party ; 3. Repossession order allegedly in effect prior to seizure ; 4. USPS proof of repossession notice mailing ; 5. Reason no repossession notice was emailed ; 6. Basis for California seizure when known address was Arizona ; 7. Full chain of authority among all involved entities ; 8. Vehicle condition photographs ; 9. Itemized charges and legal basis. 



X. TENDER AND RELEASE DEMAND We are prepared to tender {$810.00} only ( undisputed amount ). No towing, storage, or unlawful fees will be paid. 

Upon tender : Written location disclosure ; Written release authorization ; Immediate retrieval availability XX/XX/XXXX or sooner ; Police escort permitted.

XI. DEADLINE You have until end of day Wednesday, XX/XX/XXXX to comply fully. Failure will result in immediate escalation and civil action without further notice.

XII. RESERVATION OF RIGHTS This supplemental is submitted without waiver. The right to supplement with additional exhibits, recordings, witnesses, and documentation is expressly reserved.

EXHIBITS ENCLOSED Exhibit A : OneMain Financial payment history screenshots ( dates only ) Exhibit B : XX/XX/XXXX payment confirmation email AUTHORIZED AGENT XXXX XXXX is the authorized agent for this matter, with full authority to receive communications and make decisions related to this dispute. This does not transfer the loan or responsibility for the debt.

One Main previous complaint attached toXXXX Swift recovery group inc attached toXXXX Previous cfpb complaints to attach to

Company response to consumer: Closed with explanation