Consumer complaint received 2025-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Subject : URGENT - Account No. Ending in XXXX ] - Fraudulent Balance & Unlawful Title Withholding - CFPB Complaint ID : XXXX - IMMEDIATE RESOLUTION REQUIRED Dear OneMain Financial Management and Legal Department , This is my third formal communication regarding my personal loan account ending in XXXX, and directly related to CFPB Complaint ID : XXXX. I am reiterating, with precise financial records, my demand for the immediate release of my vehicle 's title and a complete, accurate adjustment of my personal loan balance. Your continued actions are unlawful, directly hindering my ability to finalize a legitimate vehicle trade-in, and appear to constitute deceptive and unfair business practices.

As you are aware, and as confirmed through my prior complaint with the Consumer Financial Protection Bureau ( CFPB ) ( ID : XXXX ), the erroneous " car loan '' portion was removed from my personal loan. XXXX XXXX XXXX has already paid OneMain Financial for my vehicle. My bank records confirm a payment from XXXX on XX/XX/XXXX, [ Year, e.g., XXXX  ] for {$31000.00}. 
Despite this substantial payment by XXXX XXXX XXXX to pay off the vehicle lien, OneMain Financial has unlawfully failed to release the title to XXXX XXXX XXXX. This refusal is directly obstructing the lawful transfer of my vehicle and preventing me from taking possession of my new car at the XXXX XXXX. 
Furthermore, the status of my original personal loan of {$6000.00} ( Account No. ending in XXXX ) is exhibiting an egregious and inexplicable discrepancy. My banking records show the following payments have been successfully made to OneMain Financial : * XXXX XXXX XXXXXXXX  {$1200.00} * XX/XX/year> {$960.00} * XX/XX/year> {$960.00} * XX/XX/year> {$960.00} * XX/XX/year> {$960.00} Adding these specific payments : {$1200.00} + {$960.00} + {$960.00} + {$960.00} + {$960.00} = {$5000.00}. 

Despite these documented payments on my original {$6000.00} personal loan, OneMain Financial is currently quoting a payoff amount of {$6700.00}. 

How is it possible that after making {$5000.00} in payments on a {$6000.00} loan, the payoff amount is now {$6700.00}? This is an increase of over {$700.00} from the original principal and a glaring discrepancy of over {$5000.00} from what the balance should be ( approximately {$910.00} plus minimal interest ). This indicates either gross negligence, improper application of payments, undisclosed and exorbitant fees, or a deliberate attempt to defraud.

I demand the following immediate actions from OneMain Financial : * Immediate and Unconditional Release of Vehicle Title : You are legally obligated to release the lien on my vehicle. Provide immediate written confirmation ( with case/transaction ID ) that the title release has been processed and electronically submitted to the Florida Department of Highway Safety and Motor Vehicles ( FLHSMV ), or that the physical title has been mailed to XXXX XXXX XXXXXXXX as the party who paid the lien.

* Immediate Corrected and Itemized Payoff Statement for Personal Loan : Provide a complete and accurate, itemized breakdown of my personal loan account ( Account No. ending in XXXX ). This statement must clearly show : * The original {$6000.00} principal. 
* How each of my five payments ( totaling {$5000.00} ) was applied to principal and interest.

* The correct current outstanding balance, which should be approximately {$910.00} plus any legitimate, contractually agreed-upon interest.

* A full explanation for the previously quoted and current fraudulent balance of {$6700.00}.

* Refund of Any Overcharges/Improper Fees : If the corrected balance shows I have been overcharged, I demand an immediate refund.

This situation is causing me severe financial and personal distress. Your failure to act immediately will result in : * Immediate update of my existing CFPB complaint ( ID : XXXX ) with full details of these new, egregious issues.

*

Formal complaints with the Florida Attorney General 's Office and the Florida Department of Agriculture and Consumer Services : Highlighting potential fraud and deceptive practices. * Commencement of legal action : I will retain a consumer protection attorney to pursue all available legal remedies, including full recovery of damages incurred, for your unlawful actions and potential predatory lending practices. I expect a full resolution and confirmation of the title release and corrected loan balance within 24 hours of this email. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation