Consumer complaint received 2025-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: OneMain Finance Corporation
State: UT

Complaint narrative:
I sent this email to Onemain executive office ( XXXX ) on XXXX XXXX no response has been received back yet via email. 

Hello, On XXXX XXXX XXXX rep told me I had an option for XXXX as long as I would pay {$92.00} before the end of the month XXXX. Called back today XXXXXX/XX/year> to XXXX at XXXX XXXX  time, the first rep I spoke to said I had no options. Which I was very confused about and explained what the rep from XXXX told me. Then, I asked to speak to a supervisor and executive office. I let him know my concern about previous reps saying I have options and would submitted the request but they would never follow up or send a letter for the denial. The supervisor responded with Check up on you account then like excuse me what am I doing now and have been doing for over a year? I dont understand why this supervisor was so rude and did not want to let me speak and resumed to listen and understand. I told him I had a previous executive office ticket in the past and hes like yes I see it but if he had reviewed it, he wouldve seen Ive had this issue before of multiple reps telling me different options each time I would call. He then kept telling me saying do you want to hear your options or are you going to keep talking AS I WAS EXPLAINING MY COMPLAINT. I told him I want him to listen and understand why Im upset and confused and he didnt want to let me speak or listen. I asked to be transferred to executive office and he said no Im not transferring you and I asked him multiple times and told him he cant do that and he said no hes not transferring me and hes not submitting my complaint either I was shocked as I work in the back end with executive office complaints, and to hear a supervisor refuse to submit a complaint about not receiving letters on modification applications and have previously not been informed that it was an application and thats where my previous complaint was made due to the lack of communication.

Onemain is required to send a a written notice of the denial, yet I have never received one as well with all these representatives and managers giving me misleading information or not the full details each time I speak to them this would also I will be filing a complaint with CFPB as well for UDAAP rule and 12 CFR 1002.9 ( a ) ( 1 ) ( Regulation B ) -as creditors must notify an applicant of action taken within 30 days. 

Reps from today XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Called again at XXXX XXXX XXXX XXXX time. XXXX XXXX - new rep very nice and helpful. 
XXXX XXXX XXXX  He reviewed my account and said I was eligible for Temp or Perm loan modification for hardship. But they keep saying I have options when Im actually not eligible for either temp or perm modification due to my affirmation from bankruptcy which has been missed many times but the reps. I let him know if its an application I usually dont get a notice about the decision and he said hed follow up with me but I mentioned to him I have previously been declined for an application and I think its like this one and he looked at further notes and saw my affirmation of the loan already being adjusted then withdrew the application. He said Id receive a notice about the withdraw but to disregard it. 

I hope to hear back soon with my complaint as I doubt it was submitted my supervisor XXXX XXXX. Thank you for your time. 

Additionally, Im requesting for todays and XXXX call to be pulled for review on the information and behavior I was dealt with today.

Company response to consumer: Closed with explanation