Consumer complaint received 2026-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: OneMain Finance Corporation
State: KS

Complaint narrative:
I am submitting this complaint regarding an unresolved GAP/debt waiver dispute associated with my auto loan and the resulting impact on my loan balance, ongoing payments, accruing interest, and potential credit risk. My vehicle was declared a total loss, and a Guaranteed Asset Protection ( GAP ) Addendum was intended to address any remaining deficiency balance associated with the loan currently serviced by Foursight Capital. However, the GAP administrator, XXXX XXXX XXXX issued a settlement calculation containing discrepancies that materially affect the remaining balance owed. Prior to seeking regulatory assistance, I made repeated good-faith attempts to resolve the matter directly with the involved entities. Since XX/XX/year>, I have repeatedly requested documentation and clarification regarding the settlement calculation and deductions applied. Specifically, I requested : a line-by-line reconciliation of the settlement to the lenders verified payoff amount ; clarification regarding classification of deferred versus missed payments ; supporting documentation for deductions applied ; and the valuation worksheet and adjustment inputs used to calculate the remaining deficiency balance. Despite repeated written correspondence and escalation attempts, I have not received any response whatsoever from either the GAP administrator, Dealer Loyalty Protection, or entities associated with servicing the loan through Foursight Capital. No acknowledgment, explanation, supporting documentation, or substantive communication has been provided despite multiple follow-up attempts and escalation to executive leadership. My documented correspondence includes : XX/XX/year> Notice of Error and submission of payment history XX/XX/year> First follow-up XX/XX/year> Second follow-up XX/XX/year> Third follow-up including escalation to executive leadership XX/XX/year> Final written request with response deadline To date, no response of any kind has been provided. The issues impacting the remaining loan balance include : 1. Failure to clearly reconcile the GAP settlement calculation to the lenders verified payoff amount. 2. Classification of approved deferred payments as missed payments, resulting in deductions that materially reduced the GAP benefit. The payment history reflects approved deferments rather than uncured delinquencies. 3. Deduction of post-loss interest while the dispute remains unresolved and while no meaningful review or response has been provided. 4. Failure to provide documentation sufficient to verify the accuracy of the deficiency calculation and deductions applied. As a result, I continue to incur monthly loan payments and ongoing interest on a vehicle that has already been declared a total loss. In addition to ongoing financial strain, the unresolved balance dispute creates continuing concern regarding potential negative credit impact while the account remains active and accruing interest. The Kansas Insurance Department advised that the GAP product was being treated as a debt waiver product rather than traditional insurance and referred the matter to the Kansas Office of the State Bank Commissioner for review. However, despite submission of the complaint and follow-up inquiries, the matter remains pending and unresolved while loan payments and interest continue to accrue. I am requesting assistance in obtaining : a complete reconciliation of the deficiency calculation ; documentation supporting all deductions applied ; clarification regarding payment classification ; and review of whether the loan balance and GAP calculation are being administered accurately and fairly. I am not requesting special treatment. I am requesting transparency, documentation, and a substantive response regarding a dispute that has remained unresolved for months while financial obligations and interest continue to accrue.

Company response to consumer: Closed with explanation