Consumer complaint received 2026-01-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
On XX/XX/year> I was applying for a loan over the phone with a OneMain Financial representative who identified herself as " XXXX '' and who was initially optimistic about my qualifications. During the course of the process, it became apparent I would not qualify so she abruptly disconnected the call. When I called back, I was unable to reconnect with her but spoke to another rep identifying herself as I believe " XXXX '' however I failed to get a proper spelling before she transferred my call to another number, assuring me it was the correct department to continue the application. When the call was picked up at that number it turned out to be a person named XXXX XXXX, a rep for thecreditpros.com who then went into a sales pitch for a credit bureau monitoring service for which I could subscribe to monthly. 

My complaint is not concerning the outcome of my application which was denied due to my XXXX score being in the " FAIR '' range and just shy of " GOOD '' but rather the shoddy, unprofessional and casually offensive nature of the handling of my application and the deceptive practice of transferring my call to a " trusted partner '' merchant intent on selling a subscription to their service and having nothing to do with my loan application. 

Because the call transfer was cloaked as a handoff to the proper department within OneMain Financial, I initially spoke with XXXX XXXX believing we were discussing my loan application and readily disclosed private financial information. Had I been told my application was being denied and I was being referred to a debt counseling service provider, I would not have proceeded and definitely would not have shared my personal financial information. 

I don't know what the procedure would be in this case as I am not complaining about the loan application rejection, despite the initially positive handling of it until the abrupt disconnection of the call. Rather my complaint is about the casually offensive, unprofessional and unethical handling of my loan request and the intentional deception of leading me to believe I was speaking to a OneMain Financial loan officer and not a " trusted partner '' merchant intent on selling me their useless product. 

I can't believe I'm the first applicant who has been treated in this manner, given the casual attitude displayed by the second OMF rep I spoke to, possibly named XXXX. But, if I am the first to make a formal complaint about the egregiously insulting and borderline illegal and deceptive practices of the OMF employees, it's my hope that some sort of spotlight be shined upon this disgracefully shoddy business practice and some sort of discipline is meted out, documented and disclosed in some way in which other future applicants do not experience the same offensive, unethical and possibly illegal violation of my privacy. Thank you for your attention.

Company response to consumer: Closed with explanation