Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
Subject : Formal Complaint of Billing Errors, Harassment, and Inaccurate Information To : Consumer Financial Protection Bureau ( CFPB ) Dear Sir/Madam, I am filing a formal complaint against BrightWay/OneMain for continued billing errors, harassment, and the misapplication of payments on my account. Below is a summary of the ongoing issues : Key Issues : Uncredited Payments : I made XXXX payments : XX/XX/year> for {$24.00} and XX/XX/year> for {$74.00}. Despite these payments, the {$74.00} payment was not properly credited on my billing statement, resulting in incorrect charges and late fees. 


Suspicious Late Fees & Additional Charges : A {$29.00} late fee was assessed on XX/XX/year>, but was reversed the same day. 

A {$22.00} late fee was added during the same billing cycle, despite timely payment, and has not been properly credited in my statement. 

Harassment and Inaccurate Information : I have been contacted by debt collectors XXXX times per day since XXXX when this issue began, harassing me over inaccurate account balances. This has caused significant distress. 

I have called OneMain ( OMF ) XXXX times per month since XXXX, each time addressing these issues and requesting updated statements or corrections, but they have yet to provide accurate or updated information despite their assurances. 

This week alone, I received XXXX conflicting overdue balances : {$23.00} on XX/XX/year>, just XXXX day after making a payment of {$85.00}. 

{$110.00} on XX/XX/year>. 

A third notice from an XXXX customer care VIP claiming an incorrect balance of {$170.00}. 

Additionally, my personal information, including my address, has not been updated despite multiple requests, further demonstrating the ongoing errors on their part. 

Legal Violations : These actions appear to be in violation of the following laws : Fair Credit Billing Act ( 15 U.S.C. 1666 ) : Failure to credit payments and provide accurate billing statements.

Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) : Harassment from debt collectors despite payments being made and unresolved inaccuracies.

UDAAP ( 12 U.S.C. 5531 ) : Deceptive billing practices, misinformation, and failure to correct errors.

Requested Action : Im requesting immediate reversal of all erroneous charges and the proper crediting of payments. 

A corrected billing statement for XXXX to XX/XX/year> reflecting accurate fees and payments. 

An investigation into BrightWay/OneMains practices to ensure they comply with consumer protection laws and cease harassment. This situation has caused extensive stress and damages done to my finances and accounting, plus much wasted time on my part in trying to resolve I have maintained thorough documentation of all communications, including recorded calls, and have retained legal counsel. I kindly request your assistance in resolving these issues as quickly as possible. 

Documentation available by request : bank statements, OMF/BrightWay cc statements ( XXXX XXXX XX/XX/XXXX ), screenshots of successfully applied payments, statement with missing credit, debt collection attempts ( calls, emails, texts ), statements showing suspicious charges called late fees, email conversations between me and OMF/BrightWay Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Legal Counsel

Company response to consumer: Closed with monetary relief