Consumer complaint received 2025-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
PHOTOGRAPHIC PROOF : CRIMINAL VIOLATIONS + PREDATORY LENDING + FRAUD I have photographic evidence of OneMain Financial 's violations. 

PREDATORY REFINANCING ( XX/XX/XXXX ) : I had auto loan with XXXX XXXX XXXX Bank : - Balance : {$1200.00} - Payment history : NEVER LATE - Status : Good standing Proof : XXXX sent " Paid in Full CONGRATULATIONS '' letter on XX/XX/XXXX ( attached ). 

OneMain Financial refinanced this loan on XX/XX/XXXX : - Paid XXXX : {$1200.00} - Gave me cash : {$7800.00} - Added insurance : {$690.00} ( unnecessary ) - New loan : {$9700.00} at 25 % XXXX - Total I would pay : {$17000.00} This is predatory refinancing - targeting a consumer with good payment history to trap in high-interest debt. 

Violation : NY Banking Law Section 340 FALSE " PROFIT AND LOSS WRITE-OFF '' ( XX/XX/XXXX ) : OneMain reported to credit bureaus : - Status : " Profit and loss write-off '' - Balance : {$10000.00} - Account closed : XX/XX/XXXX This suggests they wrote off entire debt as total loss. 

BUT THIS IS FALSE - see photographic proof below. 

VEHICLE FOUND BEING SOLD FOR PARTS : I located my vehicle listed online : - Website : XXXX - My vehicle VIN is documented in attached loan documents- Location : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX NY - Stock number : XXXX - Status : ACTIVELY LISTED FOR PARTS SALE - Parts prices : {$110.00}, {$60.00}, etc. 

This PROVES OneMain 's " profit and loss write-off '' is FALSE. 

They are SELLING my vehicle for parts while reporting {$10000.00} total loss to credit bureaus. 

PHOTOGRAPHIC EVIDENCE - CRIMINAL PLATE VIOLATION : ATTACHED : Photo from iwantscrap.com Photo shows rear of my vehicle with : - NEW YORK LICENSE PLATES VISIBLE - At XXXX XXXX XXXX - Listed for commercial sale online This PROVES OneMain sent vehicle to salvage yard WITH MY LICENSE PLATES ATTACHED and NEVER REMOVED THEM. 

Violations : - NY Vehicle & Traffic Law Section 415 ( unauthorized display - MISDEMEANOR ) - NY Vehicle & Traffic Law Section 509 ( failure to remove/return plates ) - NY Vehicle & Traffic Law Section 401 ( unauthorized use of state property ) My license plates were NEVER returned to me.

DOUBLE-DIPPING FRAUD : OneMain reported XXXX profit and loss write-off '' of {$10000.00} to : - Credit bureaus ( damaging my credit ) - Possibly IRS ( claiming tax deduction ) BUT OneMain is ALSO : - Selling vehicle for parts at Northside - Receiving proceeds from parts sales - Profiting from my vehicle THEY CAN NOT DO BOTH. 

NO ACCOUNTING PROVIDED : OneMain never provided NY UCC Section 9-616 accounting : - How much did XXXX XXXX pay? 
- What parts have sold? 
- What proceeds were received? 
- Why wasn't I credited for vehicle value? 

Even with blown engine, XXXX XXXX XXXX worth $ XXXX {$3000.00} minimum in salvage value. 

OneMain reported {$10000.00} as if vehicle had ZERO value. 

VIOLATIONS SUMMARY : 1. Predatory refinancing ( NY Banking Law Section 340 ) 2. Criminal plate violations with photo proof ( NY XXXX - MISDEMEANOR ) 3. False " profit and loss write-off '' while profiting from sales 4. No disposition accounting ( NY UCC Section 9-616 ) 5. False credit reporting ( FCRA Section 623 ) HARM SUFFERED : - Unable to apply for mortgage due to false reporting - Estimated $ XXXX in additional interest costs if I apply with damaged credit - Credit damage ( current score severely impacted ) - Ongoing plate liability risk ( tickets/violations in my name ) - Emotional distress - Time and expense investigating ( XXXX hours ) EVIDENCE ATTACHED : XXXX. XXXX " Paid in Full Congratulations '' letter ( XX/XX/XXXX ) 2. OneMain loan documents ( XX/XX/XXXX ) 3. Credit report screenshot showing " Profit and loss write-off '' 4. XXXX search results showing vehicle at XXXX XXXX 5. XXXX listing showing XXXX XXXX 6. PHOTO showing vehicle with MY license plates visible at salvage yard 7. Parts listings showing {$110.00}, {$60.00}, etc. 

REQUESTS : 1. IMMEDIATE deletion of {$10000.00} from all credit bureaus 2. Investigation of OneMain 's predatory lending practices 3. Criminal referral to XXXX XXXX XXXX Attorney ( photo proof of misdemeanor ) 4. Complete UCC accounting with documentation 5. Recovery and accounting of my license plates 6. Compensation for documented damages CRIMINAL REFERRAL REQUESTED : Photo evidence shows criminal violation ( NY XXXX XXXX XXXX - misdemeanor ). 

Request referral to : - XXXX XXXX XXXX Attorney - XXXX Attorney General - XXXX XXXX XXXX TIMELINE : - XX/XX/XXXX : OneMain predatory refinance opened - XX/XX/XXXX : XXXX confirms original loan paid, good standing - XX/XX/XXXX : My last payment to OneMain - XX/XX/XXXX : OneMain closed account, reported " profit and loss write-off '' - XXXX : Vehicle at XXXX XXXX being sold for parts- Present : Vehicle STILL listed online with my plates visible VEHICLE DETAILS : - XXXX XXXX XXXX - VIN documented in attached OneMain loan agreement - Currently at Northside Salvage, XXXX NY XXXX License plates visible in attached photo This is documented fraud with photographic proof of criminal violations.

OneMain can not claim " profit and loss write-off '' while simultaneously profiting from parts sales.

OneMain can not use my state-issued license plates for commercial purposes without authorization. 

I request immediate action and criminal referral.

Company response to consumer: Closed with explanation