Consumer complaint received 2024-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
In XXXX of XXXX, while shopping for ways to build credit, I came across the personal loan from OneMain Financial. Upon applying, I was approved but with the stipulation that I would need to provide my car title as collateral. 

Once I visited the office, I was helped by an associate by the name of XXXX. XXXX talked me through questions that I had about the loan interest and terms. After noticing my hesitancy at their 35.99 % interest rate and giving my title as collateral, XXXX decided to use misleading business practices to ensure I went forward. 

Since she knew my original intention was to build credit, XXXX informed me that the credit builder program with OneMain is one of the best, as they report to credit bureaus. She went on to say that OneMain as a whole is one of the best to have in my corner in times of need. XXXX insinuated that within 6 months of on-time payments she was positive that I would be able to refinance into an unsecured loan, possibly with less interest, and receive my title back. XXXX went above and beyond the typical duties to make sure she got that loan issued, such as by hinting to me things that I should include on the application ( whether true or not ) to make sure it was approved. 

In XXXX of XXXX, after 7 months of on-time payments I reached out to the branch but did not receive help after being asked to leave a message. This proceeded for around two weeks before finally I called back and demanded help then and stated I would not be leaving another message. XXXX proceeded to become pretty rude with me, and within seconds of starting the application stated it was denied. 

In XXXX of XXXX, after 12 months of on-time payments, I spoke with a new associate at a new branch ( my account was moved per my request ). The associate at the new branch ( XXXX ) used the same rude, matter of fact tone before letting me know I was once again denied. She was unable to provide me guidance on filling out the application like XXXX did when I first got the loan. She was more like the second time XXXX attempted to help me as far as her attitude and willingness to help. 

While considering the facts of the relationship with this business so far, it is very clear that they will go out of their way to be nice and mislead customers into their products, and once the customer is hooked their entire persona changes. 

Each time I am denied the associate is unable to tell me any reasons whatsoever other than they get the decision from some central processing technique and have no idea why it was not approved. FCRA requirements are ignored. 

I have reached out to corporate, spoken with a district manager, and left a review on XXXXXXXX XXXX trying to get help. The district manager was very nice and respectful but let me know that he is unable to assist me other than collecting my payments on my loan. Corporate no help, and whoever responded to my review was just as rude and misleading as the associates in office.

Company response to consumer: Closed with explanation