Consumer complaint received 2026-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
To : [ XXXX ] ( XXXX : XXXX )XX/XX/XXXX: XXXX XXXXXX/XX/XXXX [ XXXX ] ( XXXX : XXXX ) XXXX XXXX XXXX [ XXXX ] ( XXXX : XXXX ) Consumer Financial Protection Bureau ( CFPB ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( XX/XX/XXXX ) To Whom It May Concern, I am writing regarding the denial of my recent application for the OneMain Financial BrightWayXX/XX/XXXXcredit card issued by XXXX, reference number XXXX, submitted on XX/XX/year>2026. At this time, I have only received a generic denial notification stating that my application was not approved and that additional details would be mailed separately. Because adverse action has already been taken against me, I am formally requesting immediate disclosure, reinvestigation, and manual review of this application. Additionally, I am formally rescinding and withdrawing this application in its entirety and requesting that the application file be immediately closed out and marked as withdrawn by consumer request. I do not consent to any further processing, use, retention, resale, or dissemination of my application data beyond what is legally required for compliance and recordkeeping purposes. This application was submitted after being presented with credit offer opportunities through consumer reporting and financial marketing channels. Therefore, any inaccurate or improperly verified information relied upon in this decision is of serious concern. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. XXXX et seq. ) and the Equal Credit Opportunity Act ( XXXX ), I am requesting the following : XXXX. A complete copy of the adverse action notice and all stated reasons for denial. XXXX. The identity of every consumer reporting agency, fraud-prevention service, data analytics provider, or third-party vendor used in evaluating my application. XXXX. Copies of all consumer reports, risk assessments, fraud indicators, underwriting reports, and internal scoring models relied upon in whole or in part. XXXX. The exact basis for any fraud-related, identity-related, or risk-related determinations associated with my profile. XXXX. The method used to verify the accuracy of the information pursuant to 15 U.S.C. XXXX ( b ). XXXX. Confirmation that my application has been rescinded, withdrawn, and closed at my request. XXXX. Written confirmation that no account was opened, activated, or reported in association with this application. XXXX. The name and contact information of any analyst or department responsible for this determination. Please be advised that unsupported or inaccurate fraud indicators, risk labels, or adverse profile classifications may constitute violations of federal consumer protection laws if they were not properly investigated or verified prior to adverse action being taken. I am formally disputing any inaccurate information, fraud designation, or unverifiable data that may have been associated with my application or consumer profile. I am also preserving all rights under : XX/XX/XXXX 15 U.S.C. XXXX Full file disclosure XX/XX/XXXX 15 U.S.C. XXXX Reinvestigation rights XX/XX/XXXX 15 U.S.C. XXXX ( b ) Maximum possible accuracy XX/XX/XXXX 15 U.S.C. XXXX Adverse action notice requirements XX/XX/XXXX Equal Credit Opportunity Act ( XXXX ) This matter is being documented and copied to the appropriate consumer protection and regulatory agencies. I expect a written response confirming : XX/XX/XXXX the basis of the denial, XX/XX/XXXX the closure and withdrawal of the application, XX/XX/XXXX and the results of your reinvestigation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation