Vehicle loan or lease -- Managing the loan or lease -- Complaint #18139202

Complaint Overview

Complaint ID: 18139202

Company: Onemain Finance Corporation

Product: Vehicle loan or lease

Sub-Product: Loan

Issue: Managing the loan or lease

Sub-Issue: Billing problem

State: Iowa

ZIP Code: 52804

Date Received: 2025-12-04T12:00:00-05:00

Date Sent to Company: 2025-12-04T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I made XXXX on-time payments before my XXXX and identity-theft situation began. After I became a XXXX XXXX XXXX and filed an FTC identity-theft report, my FTC # XXXX, I notified the company in writing XXXX separate times and by phone twice. I explained that I had an active law-enforcement investigation through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and that my financial and personal information had been compromised. Even after receiving my documentation, my XXXX XXXX, and my FTC identity-theft report, the company bypassed everything and continued demanding full payment as if nothing had happened. They ignored my request for accommodations, refused to investigate the account, and continued reporting negative information on my credit. I have a recorded call where a representative told me clearly that they will not help me and that there was nothing they can do, even after I told them I was a XXXX XXXX with an open identity-theft case. Their actions caused extreme stress and made me feel unsafe during calls because they acted as if they never received my documentation. Their refusal to acknowledge my situation or assist me resulted in further financial harm, emotional harm, and worsening of my diagnosed XXXX. Their conduct was discriminatory, biased, and completely disregarded my rights as a XXXX and identity-theft XXXX. I have a full timeline, emails, written notices, my notarized victim affidavit, and a voice recording where the company refused assistance. I am requesting a full investigation, removal of negative credit marks tied to this period, correction of my account, and enforcement of my rights under FCRA, FTC identity-theft protections, and XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. 1681c-2 : Failure to block and investigate identity-theftrelated information 1681s-2 : Furnishing inaccurate information and failing to correct reporting after disputes Failure to investigate despite receiving identity-theft documents and police involvement Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq. Continuing collection on disputed identity-theftrelated charges Causing emotional distress during a documented XXXX XXXX Identity Theft Enforcement and Penalty Enhancement Act 18 U.S.C. 1028 & 1028A The underlying identity-theft activity is under law-enforcement investigation Electronic Communications Privacy Act ( ECPA ) 18 U.S.C . 2701 et seq. Devices and accounts compromised, resulting in financial loss XXXX XXXX XXXX XXXX ( XXXX ) 34 U.S.C. 1249112493 Failure to provide reasonable accommodations to a XXXX XXXX Discrimination and retaliation during a documented crisis Americans with Disabilities Act ( ADA ) 42 U.S.C. 12101 et seq. Failure to accommodate a XXXX ( XXXX ) during relapse caused by identity theft and harassment Actions that worsened a documented mental-health condition Federal Communications Act 47 U.S.C. 201, 202 ( if phone involvement ) Unjust and unreasonable practices during a safety-sensitive XXXX situation am requesting the following : XXXX. Remove all negative credit reporting associated with this period, as required under FCRA identity-theft protections. 2. Conduct a full and fair investigation into my billing disputes and correct all inaccurate amounts. XXXX. Apply XXXX and identity-theft accommodations that I requested in writing and by phone. XXXX. Provide written confirmation of the investigation results and all corrections. XXXX. Cease any further negative reporting while the criminal investigation is active. XXXX Review company conduct regarding discrimination, bias, and refusal to accommodate a XXXX and identity-theft victim. I dont feel safe talking to them due to my XXXX XXXX XXXXXXXX and XXXX XXXX. Currently searching for civil rights attorney for this matters for the situation. My information is protected as a VXXXX XXXX XXXX

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