Consumer complaint received 2026-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
Dear CFPB Reviewer, I am submitting a new complaint to address material omissions and inaccuracies in OneMain FinanciaXXXX XXXX, LLCs XX/XX/XXXX reply. 

First, OneMains response fails to acknowledge that a partial payment was applied in XX/XX/XXXX, which directly contradicts their characterization of the XXXX delinquency. As reflected in my account history, a payment of {$230.00} was posted on XX/XX/XXXX, leaving a remaining balance that carried forward into XXXX. Accordingly, the XXXX past due amount did not arise from a new missed obligation, but from a rolling balance originating in XXXX, during a period when my involuntary unemployment insurance ( IUI ) claim was active and under review. OneMain has not explained why this carryover balance was reported as a XXXX delinquency without adjustment or suppression while insurance benefits were pending and subsequently issued. 

Second, although OneMain broadly denies my allegations, it has failed to provide proof of any substantive response to my documented outreach attempts, including multiple emails and direct communications with branch and executive staff. The response relies on generalized assertions that representatives reviewed the loan terms, yet does not include dated correspondence, call logs, or written offers demonstrating that my requests for assistance were meaningfully addressed.

Third, OneMain claims that assistance and resolution options were offered, but again provides no evidence that any lower or modified payment option was actually extended. Throughout this period, the required monthly payment remained approximately {$580.00}, later increasing due to XXXX. No written or verbal offer reflecting a reduced payment, temporary forbearance, or payment suspension has been produced. Simply stating that I was not eligible because I had no income does not constitute an offer of assistance, particularly during documented unemployment and an active insurance claim. 

Fourth, the screenshots from my OneMain account confirm that as of XX/XX/XXXX, the system reflects a past-due balance of {$830.00}, despite partial payments, insurance benefits, and prior communication attempts. OneMain has not provided a transparent accounting reconciling how insurance proceeds were applied, how partial payments were credited, or why the resulting delinquency amount was reported to credit bureaus as it stands. 

In summary, OneMains response : Does not reconcile the XXXX partial payment and resulting XXXX carryover balance ; Does not provide proof of responses to my documented outreach ; Does not provide proof that any reduced payment or hardship option was offered ; Does not adequately justify adverse credit reporting under these circumstances. 

I respectfully request that the CFPB require OneMain to provide : XXXX. A full payment and insurance application ledger clearly showing how the XX/XX/XXXX partial payment and IUI benefits were applied ; XXXX. Documentary proof of any alleged assistance or reduced payment options offered ; XXXX. A review and correction of any inaccurate or unfair credit reporting tied to balances carried during the insurance review period. 

Thank you for your continued review of this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation