Consumer complaint received 2024-10-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
I want to make a complaint regarding an issue I have with my current lender for a personal secured loan, One Main Financial. I have a secured loan with them where I used my XXXX XXXX XXXX as collateral.I started my loan with them in XXXX or XX/XX/XXXX, and every month I'd pay them in FULL on time before my automatic debit date of the XXXX of every month. They would always cancel the XXXX of the month automatic payment without fail since the payment was made in full and I asked to make sure it was canceled on the XXXX so the they wouldn't charge me again. That is until XX/XX/XXXX where I needed to make a payment arrangement for that month as I couldn't make my full payment in time as usual. 

My automatic debit date/ due date was the XXXX, however I called them on XX/XX/XXXX, 4 days prior. I did tell them I couldn't make my payment in FULL on time by the XXXX, can I make a payment arrangement? They said Yes. The payment arrangement I made that they agreed to and put into effect, was to pay half of the payment that day, in which I believe it was somewhere between {$140.00} & {$150.00}, then make the remaining half of the payment on XX/XX/XXXX which was my next pay date, that they would automatically debit from my debit card I provided them. I asked for them to cancel the XXXX of the month payment as usual since I was making a payment arrangement. 


They however didn't cancel the XXXX of the month auto payment which put me in the negative multiple times. I did have that loan paid off by refinancing a new loan, but they are still making me pay the balance owed from the old loan, which happens to be the balance that came about because they didn't cancel the XX/XX/XXXX auto payment like they should've when I made my payment arrangement 4 days prior. 

They are constantly telling me this is my fault when they are the ones who didn't cancel the auto draft payment due to me already making a payment arrangement days before. The manager has come off a bit rude about the whole situation, making it seem like I don't know what I'm talking about., saying it's my fault because the bank payment came back insufficient funds. I kept asking why was my account still charged when I set up a payment arrangement days prior and she kept telling me it's my fault not giving me an answer to why I was still charged when I shouldn't have been? 


My monthly payment on that loan was {$290.00} I believe Payment arrangement was : paid XXXX of XXXX XXXX payment due that day on XX/XX/XXXX the other half would automatically debited from the debit card on file on XX/XX/XXXX which was my next pay dates They were suppose to cancel the XXXX of the month payment due to me making this arrangement but they didn't which led to this entire situation and even making this complaint. 


Keep in mind I do have a new loan with them due to refinancing to get additional funds. They rolled over this amount from the old loan into the new loan

Company response to consumer: Closed with explanation