Consumer complaint received 2026-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Additional Facts Supporting My Complaint I am also a documented victim of identity theft and have previously experienced unauthorized access to my personal and financial information. Because of this, I take significant precautions to protect my credit profile and personal information. At one point, I contacted OneMain Financial regarding refinancing options. As part of that process, I was instructed by a OneMain representative to temporarily remove the security freeze and unlock my credit reports so they could review my creditworthiness for refinancing. I complied with their request and unlocked my credit reports, exposing myself to unnecessary risk as a victim of identity theft. After doing so, I received no communication, follow-up, status update, or decision from OneMain Financial for XXXX XXXX ( XXXX ) days. After waiting without any response, I contacted OneMain myself to inquire about the status of the refinancing request. I was then advised that the credit inquiry had allegedly come back blank and was asked whether my credit reports had actually been unlocked. I confirmed that my credit reports had indeed been unlocked as instructed by their representative. Despite complying with their request and following up on my own, I never received any further communication regarding the refinance application. No approval, denial, request for additional information, or explanation was ever provided. The matter was simply abandoned without resolution. What is particularly frustrating is that while OneMain failed to respond regarding refinancing assistance, they continued contacting me repeatedly regarding loan payments. I consistently informed representatives that payments would be sent through my bank 's online bill-pay system and that there was no need for repeated collection calls. Despite providing the same information repeatedly, the calls continued. I specifically requested that OneMain cease verbal communications and communicate with me only in writing. I made these requests verbally and in writing because the frequency of the calls had become excessive and harassing. Nevertheless, OneMain continued calling me, including calls occurring immediately after I had requested written communication only. Additionally, during conversations with OneMain representatives, I was informed that customer emails and messages sent to certain company inboxes are not regularly monitored and XXXX never be reviewed. If true, this raises serious concerns regarding OneMain 's handling of customer complaints, servicing requests, disputes, and requests for assistance. Customers should not be directed to submit information through communication channels that are allegedly ignored or not reviewed. The overall pattern demonstrates a failure to properly address customer concerns, failure to follow through on requested assistance, failure to honor communication preferences, and a focus on collection activity while disregarding legitimate servicing and account

Company response to consumer: Closed with explanation