Consumer complaint received 2025-11-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
Summary of Issue : I am filing a complaint regarding OneMain Financials failure to properly update their records and acknowledge the release of a vehicle lien, their failure to refund the unused portion of GAP insurance, and their continued reporting of the loan as secured despite the lien being released.

I have received an official free and clear vehicle title from the Michigan
Secretary of State/DMV showing no lienholder listed, confirming that the loan is now unsecured and that OneMain Financial no longer has any legal interest in the vehicle.

Despite this, OneMain continues to represent the loan as secured in its records and with the credit reporting agencies, and refuses to provide written acknowledgment of the lien release. Their Executive Office ( XXXX XXXX, Executive Customer Care ) insists on a phone discussion despite my written request for email-only correspondence.

I have emailed OneMain several times : Once on XX/XX/year> at XXXX replying to XXXX XXXX stating : I request that all communication regarding my loan account be handled strictly in writing by mail. I do not consent to any phone calls regarding this matter and will not reach out via phone call as I do not have the capability to record and wish to do so. Please note this preference on my account immediately. 

It has come to my attention that there appears to have been an error in how my loan was processed in relation to the vehicle listed as collateral. Based on the documentation I received, it seems my vehicle was not properly secured under the loan as originally stated.

Because of this error, the loan should be considered unsecured, and therefore any GAP insurance coverage or fees associated with a secured loan would not apply. I am requesting that this matter be reviewed, that the GAP coverage be removed, and that a refund be issued for any GAP-related charges that have been applied.

Please confirm receipt of this message and provide a written response detailing next steps in email format. 

On XX/XX/year> I replied to an email stating I did not create or use my voice to create a message to return my call. I requested everything in writing. 
XXXX XXXX In correspondence to this email stating : Dear XXXX , We have received your message to return your call. However, the phone number you provided in your message is in a Do-Not-Call status. Unfortunately, due to our policy, we are unable to return your call as requested.

Please call us at XXXX Normal branch business hours are : Mon Tue Wed Thu Fri Sat Sun XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CLOSED CLOSED We look forward to speaking with you Sincerely, XXXX XXXX XXXX, Branch Manager XX/XX/year> I emailed a follow up stating : Dear OneMain Financial, I am following up regarding my prior correspondence about my account. To date, I have not received a written response addressing my concerns or refund request.

As previously stated, I do not consent to phone calls regarding this matter. All communications must be provided in writing only, either by mail to the address listed above or by email to XXXX. This ensures an accurate record of all interactions for both parties.

Please respond in writing to confirm receipt of this letter and to provide a full response to my original inquiry. If my concerns are not addressed, I will proceed with filing a formal complaint through the Consumer Financial Protection Bureau and my states financial regulatory agency.

Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX XX/XX/year> I emailed the OneMainFinancisl branch stating : I am contacting you regarding my personal loan account ( Account No : [ XXXX ] I am formally requesting a full refund and removal of all GAP insurance charges applied to my loan in the form of a check. 

XX/XX/year> I emailed a debt validation request-no correspondence ( attached down below ).

This loan was originated as a personal loan, not a secured loan with collateral. I own my vehicle. Therefore, you have no legal collateral interest in my vehicle and can not require or include GAP insurance coverage.

By including this charge, OneMain Financial has misrepresented the terms of my loan, and I am being billed for a product that is inapplicable to my situation. Under the Truth in Lending Act and CFPB regulations, I am exercising my right to dispute and request reimbursement for any unauthorized or invalid charges.

I also have an unauthorized application pending on my One Main Financial app that I did NOT approve or fill out.

I request the following actions within 7 business days : Confirmation that my account is correctly classified as unsecured A correction and written confirmation that NO new application or loan was filled out through one main financial as stated on my app.

A full refund of any GAP insurance premiums or related fees Written confirmation of the correction.

Please confirm receipt of this email and provide a written response. If I do not receive a satisfactory resolution, I will be submitting a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the state attorney generals office for review.

Thank you for your prompt attention and cooperation. 

XXXX XXXX I have not received any cooperation and just requests to call and speak about this from the company.

I am requesting a pro-rated refund of GAP insurance, as this coverage applies only while a lien or security interest exists.

Company response to consumer: Closed with explanation