Consumer complaint received 2024-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I was approved for the XXXX XXXX XXXX on XX/XX/XXXX I received it on XXXX the XXXX in the mail upon looking at the card and trying to contact someone about questions I have I noticed that there was no way to contact anyone unless you activated the card no matter what number you call you have to enter your card number then activate it so I sent an email on XX/XX/XXXX at XXXX making it clear I don't want this card and to remove the inquiry from my credit. I receive a statement from them on XX/XX/XXXX via email saying I owe them {$75.00} for the annual fee and they opened accounts on my credit. I tried to get someone on the phone XX/XX/XXXX after being transferred outside the bank to the lost department she was able to get a live person on the phone from the credit card department I explained to her what I just said and that I have not activated this card she said it doesn't matter I will still owe {$75.00} and it will be charged to the account she also said if I closed the account I would still be billed $ XXXXIf a consumer applies for a CC and they are approved if they are going to be charged {$75.00} just for being approved that should clearly be stated before a consumer applies for this card this an Unfair and Deceptive Acts and Practices also the fact that a consumer is forced to activate the card before they can speak to anyone is also an UDAP. Consumers can not be forced to do business with a creditor just for being approved and consumers need to be made aware with no deception about anything that they are going to be charged for. The fact that a consumer can apply for a card get approved decides he does not like the credit limit or the fact that the card is a mobile app card and the not being able to get anyone on the phone about this issue the fact that that would cost me {$75.00} is ridicules at the point you are approved there is no way to get out of this and you owe them there has to be a warning for consumers before applying or has to be stated clearly upfront. this is a UDAP. As you can see, I clearly complained about the {$75.00} fee that I am being charged just for applying for the card I clearly complained about the not disclosing this Unfair and Deceptive Act before a consumer applies. Again they have not responded to the XXXX  complaint however they did send me an email on XX/XX/XXXX and this is a copy of what it said. 


View in browser XXXX XXXX Your account ending in XXXX Log in Dear XXXX, As part of our account review procedures, we noticed that the Credit Card Agreement provided to you at the time you opened your credit card account was missing certain disclosures. Specifically, disclosures explaining that your available credit will be reduced by the amount of your Annual Fee. We have added these disclosures to the Account Opening Table of your Credit Card Agreement. Please review the updated Credit Card Agreement link, and contact us if you have any questions. 

Thank you for being a XXXX customer. 

Sincerely, The OneMain Financial XXXX team Clearly, I'm being ignored they won't remove this account and now they are attempting to damage my credit with this balance Disclosers are required for a reason please remove this account from my report I am seeing legal advice. I only applied for this card and was approved

Company response to consumer: Closed with explanation