Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
Product : Vehicle Loan / Personal Loan Company : OneMain Financial Complaint Type : Incorrect Information on Credit Report / Loan Servicing / Failure to Investigate Dispute I am submitting this complaint regarding OneMain Financials handling of my loan account, including inaccurate and incomplete reporting, failure to properly investigate disputes, and refusal to provide a full and transparent accounting of my balance. I entered into a loan agreement with OneMain Financial in XX/XX/XXXX secured by my vehicle. In XX/XX/XXXX, I notified OneMain that the vehicle had been stolen and that an insurance claim was in progress. Despite being aware of this, OneMain continued to treat the account as if no loss event had occurred and failed to provide any meaningful guidance, relief, or structured process during the insurance claim period. Instead, interest continued to accrue, the balance increased, and negative credit reporting was issued. OneMain now claims that : I failed to make payments as agreed, Certain payments were returned, They attempted to contact me multiple times, They did not agree to suspend payments, However, these are unverified assertions that have not been supported with complete documentation. In their response through the XXXX XXXX XXXX, OneMain attached what they themselves describe as a summary of transaction history that may not be complete and is not an official business record. This raises serious concerns about the reliability of the information they are using to justify their position and report to credit bureaus. Key Issue is failure to Conduct a Reasonable Investigation ( FCRA Violation ). I dispute the accuracy and completeness of the information being reported and used to justify the balance and delinquency status. OneMain has not provided : A complete account ledger Verified proof of returned payments ( including bank return codes ) Full communication logs ( calls, texts, notes ) A detailed payoff calculation Under federal law, furnishers must conduct a reasonable investigation when a dispute is raised. This has not occurred. Inaccurate / Incomplete Credit Reporting OneMain has reported negative information to credit bureaus while : Failing to reflect the insurance-loss situation Failing to properly investigate disputed account details Refusing to correct or verify the accuracy of the reporting This creates a misleading and potentially inaccurate credit profile. Lack of Transparency in Balance and Interest Calculations OneMain has provided only general explanations of daily simple interest rather than a specific, itemized breakdown of my account. I specifically dispute : The increase in my balance The payoff amount provided ( {$15000.00} as of XX/XX/XXXX ) How payments were applied Whether interest was calculated correctly after the insurance event Failure to Properly Handle Account After Collateral Loss After being notified that the secured vehicle was stolen : No structured process was explained No clear options were provided No documented review of hardship, deferment, or account handling was conducted Instead, the account continued accruing interest and reporting negatively without meaningful intervention or explanation. Requested Resolution I am requesting that OneMain Financial be required to : Provide a complete and official account ledger from origination to present Provide a full itemized payoff breakdown, including : principal accrued interest ( by date ) fees reversals application of all payments Provide documented proof of all alleged returned payments, including bank return codes Provide complete communication records, including : call logs text logs internal servicing notes Conduct a formal reinvestigation of all credit reporting related to this account Correct or remove any inaccurate, incomplete, or unverifiable information reported to credit bureaus Provide written confirmation of all findings and any corrections made This is not a refusal to pay a valid debt. This is a dispute regarding : the accuracy of the balance, the handling of the account after a loss event, and the validity of the credit reporting being furnished. OneMain has provided conclusions, not evidence. Until they produce complete and verifiable documentation and conduct a proper investigation, their reporting and claims should not be considered reliable. I request that this complaint be formally investigated and that OneMain Financial be required to respond with full documentation, not generalized explanations.

Company response to consumer: Closed with explanation