Consumer complaint received 2024-06-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: OneMain Finance Corporation
State: WA

Complaint narrative:
On XX/XX/2024 I put a search in with nerd wallet on a debt relief loan. I had no idea what it was about and wanted information, I put my name, number, email, and the amount of {$75000.00}. I was emailed letters informing me that due to my credit I was not qualified to get any loan from 3 companies. I instantly email the companies and asked how they were able to do a pull on my credit without my personal information and without my consent. I finally received a call yesterday on XX/XX/2024 from a XXXX XXXX. I called her back and left my contact information, I then reached out to the local XXXX XXXX  branch and asked what was going on. She stated the she had no idea what was going on, and she would call me back with information. I then got a call back from the local branch telling me this person is legit and it would be regarding a complaint. I then took a call from XXXX @ XXXX XXXX  on XX/XX/2024. The call lasted XXXX on my work phone number of XXXX @ the XXXX XXXX XXXX. I spoke with XXXX XXXX and asked her how they could do a pull on my credit when they had no information whatsoever. She informed me several times during this call that they did not do a pull on my credit they dont do that and they had not. Finally after XXXX minutes into the call she admitted that they did do a SOFT pull on my credit. I at that point asked how. I stated I did not provide any SSN in whole or partial, I did not provide a DOB, or any other pertinent information. We went back and forth for a few moments until she put me on hold and came back and stated to me they DO NOT need any information to do a soft pull on anyones credit, they could do a soft pull with ONLY a NAME, EMAIL, and PHONE and WITHOUT consent. I confirmed this several times and she stated several times, that was accurate. I then requested to have the name of the head of the department in the Executive office she would NOT give me a name of a superior. We continued to argue about this because she would not give me the information, finally she put me on hold and a new person got on a XXXX XXXX she asked me for my name I gave it then as she was not understanding I was who I said I was, she asked for the last 4 of my social and my address. When she said I was confirmed I said great you on this phone call have confirmed more information about me just to answer questions about a claim than you did when you people went diving into my credit. Then I said why are you asking me for my ssn and my addy? She said to verify your account, I said I wasnt called today about my account and last person didnt verify my account. This person was calling me regarding an email I sent regarding an inquiry into my credit how do you have the information regarding by social and my address. She said its attached to your account, I said well I did reach out regarding my account and my account wasnt discussed she then told me all people were looked into, to see if they have an account. I then verified with her if they could do a soft pull on my credit with only my name, addy, and email, and amount of loan she said absolutely. I said to clarify you took the last four of my social and my address to confirm who I was on this call to talk about an email regarding a request I made for information but you dont NEED any personal information to mess with my credit, you dont need any identifying factors, she said that was right. Then she told me that they did a soft pull on my credit because I am a client with them and they are allowed to do that, I said hold on you are seriously getting on the phone and lying on the same phone call. She said what I said yes the last lady blatantly told me you ran my credit due to me applying to a specific website and now you are telling me its because I am a client and you can do whatever you want. She then denied the other lady and said seriously you are saying your company decided to do a soft credit check on the day I did research on a loan on XX/XX/XXXX and she said yes I said she was a liar and due to this I said great I would be reporting her to the CFPB she said that was great because she gets those complains so it would go nowhere else. I said are you threatening me she said no what do you mean, I said you basically just said you were going to get my complaint and ignore it outright, she continued to tell me she didnt mean that. I then asked who her supervisor was she said to me that that was confidential and the hierarchy of her company was none of my business. I said wait you are telling me the executive to this department of my bank is not my information, she said yes, then she went on to tell me that they didnt have an executive over their department it was just ran by people like her and XXXX and there was nobody higher than her except for the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX She said it doesnt get any higher than the people like her and XXXX only the XXXX. Both employees are out of line and control with their bedside manner not to mention having access to peoples information. I want to know if what they did is legal, number one them doing a credit check, number two not disclosing the information for their company employees, and any other lies that you can detect on the phone call. I would like for the phone call to be listened to and ANYTHING they did illegal be held against them.

Company response to consumer: Closed with explanation