Consumer complaint received 2024-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Ive already file an original complaint but the problem is still continuing. On XXXX  I called OneMain to get information about my original agreement I signed sent to me. As well as find out who helped me with my last deferment payments. I was told originally that since it was an open complaint that they couldnt speak with me  or atleast XXXX  couldnt speak with me. She placed me on a brief hold then said that she is allowed to speak to me. I asked for the information and for some reason she felt as if I was recording her (which was not true) she said she cant give me any information regarding my account. But even if it was true Per XXXX XXXX you can record a telephone conversation in XXXX  if you are a party to the conversation (on the phone). The recording will typically be admissible evidence at any hearing or trial. but under the guidance of XXXX  one main wouldnt answer my phone calls from my number. I called from another number and they hung up .not unlawful but unethical as if they are trying to covering up wrongdoings. To with hold information from a client is definitely unlawful. I might add that my original phone call containing my original complaint I told her I recorded her telling me that she personally has control over my account & she would close my account in 60 days . I also must add her reasoning behind saying this . She told me that since I didnt answer the phone the past 2 months and I was calling the day before my payment that her as a manager decided that she cant give me a deferment until I pay $XXXX. & if I didnt pay this amount by tomorrow my a bounty would be closed . Even if I paid and was two months behind this is what she said . Which goes against one main policy and is jus a blatant lie to get me to spend money. I spent the money and somehow my payment didnt come out until the XXXX  . When asked why XXXX  told me that I didnt have returned payments and that it looks like my payment went through on time .  I called in previously and spoke with her and told her to notate that I have the money in my account and it hasnt been taken yet if I need to show proof I can she said she would mortgage my account but I dont think she did based on what she told me out next phone convo . Which leads me to why I am here I think she purposely did not give information to put a pause on legal action Im willing to pursue. The last violation I wish to address concerning XXXX  is when I was on the phone with her she asked me what are my phone numbers to call. Which is weird because I have every form of contact for me listed on my profile . I realized she has been calling numbers that I never gave express of consent for her to call. These are numbers I may have called in from to pay a bill or simply reach out to somebody about my account but I never put any of these number on file and said they can call so for them to keep track of these numbers and use these as forms of contact of me is unlawful. She admitted to calling these numbers and even read these numbers back to me over the phone. she admitted that shes the one whos been calling me all month and thats why she asking for my updated contact info so it wouldnt be a future problem. I responded by saying that all of my proper contact info is on file. Which makes sense to me because everytime I call in she is the only person Ive been able to talk to . Im never able to get transferred or talk to anybody else about my account . She admitted to calling these numbers and even read these numbers back to me over the phone. The TCPA STATES creditors are generally not allowed to call old phone numbers you have on file if you have changed or removed them, as this can violate the Telephone Consumer Protection Act (TCPA) which prohibits contacting a number that is no longer associated with you. The TCPA also refers to calling numbers not on file with creditors can be a violation of the Telephone Consumer Protection Act (TCPA) even if the creditor is calling manually and not using Robo or automated call systems. All of the violations were done under the XXXX  a mangers watch . So as far as violations Im looking into reporting with other agencies OneMain has violated numerous civil laws under the FDCPA, & violated TCPA civil laws as well, & last but not least she is t giving me information about my account and using me recoding her as the excuse to ignore my calles to her branch. This complaint is meant to be added on to my original complaint as it contains information from that complaint as well as new information regarding them with holding information from me. I spoke with a CFPB rep in the phone who couldnt tell me if I could add info to my original complaint so this is the option I chose so nothing wont get looked over . I also spoke with OneMain corporate which they were very respectful and said they are looking into the issue . I hope they are looking into this thoroughly. Im looking into getting my phone records to provide that OneMain has been calling on the phone numbers I never gave express to consent. As soon as that is available I will be taking this issues to the US District court to submit a complaint with them as well. I dont wish to make blank allegations and  willing to prove everything I am saying

Company response to consumer: Closed with non-monetary relief