Consumer complaint received 2022-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
XXXX XXXX your company has repeatedly contacted me/ us, claiming that I owe a debt under One Main Financial account number XXXX. I do not believe that I owe this debt. Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. You have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt. You have also violated TILA and Regulation Z Act I was never told that I had the right to rescind. Pursuant to 15 US Code 1635 I have the right to rescind, I was never given this paper work nor a waiver for it. You are also in violation of 15 U.S. Code 1605 Determination of a finance Charge it states ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed. 
15 U.S Code 1606 is the determination of Annual Percentage Rate which is also being violated.

I have also never signed with my WET INK autograph a contract with this company. XXXX XXXX co vs XXXX where there is no contract there is no case I'm requesting you send me this alleged bill zero out with no balance per I have no written contract with this company. I demand that you cease and desist of this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating our account from your records, discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all communications to us by mail and otherwise. I also demand that you do not sell/give anyone else any information regarding this alleged debt. If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm. I may still choose to prosecute for commercial copyright infringement for which your company is hereby liable. The ONLY information I want to receive from this company will be the zero out invoice that I am requesting. DO NOT contact me by mail nor phone except to resolve this alleged debt. Do not report anything negative on my consumr report. Failure to abide by this and continuing to violate these laws will force me to take legal action against your firm. Also do not sell my personal information to any other corporation

Company response to consumer: Closed with explanation