Consumer complaint received 2018-04-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OR

Complaint narrative:
I took out a loan with OneMain following the birth of my daughter, back in XX/XX/2016. I was out of work and incurred a great deal of medical expenses that added up on top of regular bills, and needed some help. I was thankful to receive a {$1500.00} loan from OneMain to get me back on track. It had been my intention to repay the loan within a few months, but life of course intervened, as it does so often, and I was making the minimum or just above minimum payments. 
I hit another bump in the road following some health scares, and rather than putting the loan in forbearance, OneMain offered to extend my loan and disburse additional funds. I signed some paperwork, including something involving obtaining life insurance and loan insurance. and was on my way. 
Things were going well for several months. I was making payments as agreed and had no complaints about the staff at the branch I regularly worked with. Again, life tossed a curveball and I was unable to make the payments as agreed. I spoke with a branch employee who was very empathetic to my situation and said she'd note in my account that I'd be making a payment as soon as I could. 
A week later, I received a call from the branch manager, " XXXX ''. He asked why I hadn't made a payment, and I informed him of the same thing I'd told an employee the previous week. He became extremely aggressive, and told me that I needed to come to the branch and " rewrite '' the loan. I told him that I was not interested in doing that, and could make a payment on my next pay day. He told me that that would not be possible, that he needed to " close out the month '' in his branch and that I was preventing him from doing so. He insisted that I come in, refinance, and perhaps take out a few extra XXXX dollars to get caught up on other things. I reiterated that I was not interested in doing this, and that I would be making a payment when I was able. He said that my credit will be ruined, that I'm going back on my end of the deal, and that he could not accept anything that I was saying. He wanted my checking account information to set up a payment. I told him that I did not want to provide that when I didn't have the money in the account to process it. This back and forth went on for close to 15 minutes. I finally had reached my boiling point and told him that I felt that his behavior was unacceptable, that he was trying to strong-arm me into setting up a payment that I could not make, and that he was terribly rude. He continued to argue with me. I informed him that I would be making a payment online within the next 2 weeks and I ended the call. 
To my surprise, he called back several days later, asking me to make a payment. I told him that I couldn't believe he had the audacity to do this considering the nature of our last conversation. I said that i would be making a payment online, and he hung up on me. 
I made a payment in the amount of {$200.00} online, as I said I would. For reasons that are unclear to me, this payment was not and still hasn't been reflected in my online account. I've read other complaints regarding OneMain not updating online accounts to reflect recent payments.

Company response to consumer: Closed with non-monetary relief