Payday loan, title loan, personal loan, or advance loan -- Charged fees or interest you didn't expect -- Complaint #18233476
Complaint Overview
Complaint ID: 18233476
Company: Onemain Finance Corporation
Product: Payday loan, title loan, personal loan, or advance loan
Sub-Product: Installment loan
Issue: Charged fees or interest you didn't expect
State: Arizona
ZIP Code: 857XX
Date Received: 2025-12-22T12:00:00-05:00
Date Sent to Company: 2025-12-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Request for Review of Consumer Loan Compliance OneMain Financial Group, LLC My Loan principal : {$14000.00} Portion XXXX : first {$3000.00} up to 36 % APR Portion XXXX : remaining {$11000.00} up to 24 % APR 1 Interest on first {$3000.00} 36 % {$3000.00} = {$1000.00} per year XXXX Interest on remaining {$11000.00} 24 % {$11000.00} = {$2800.00} per year Total allowed blended interest per year {$1000.00} + {$2800.00} = {$3900.00} Divide by total loan principal {$3900.00} {$14000.00} XXXX 26.43 % XXXX My current loan APR : 31.99 % Estimated maximum blended legal APR in XXXX : ~26.4 % My APR is significantly higher than this simple blended benchmark.
Frequently Asked Questions
What is Complaint #18233476 about?
Complaint #18233476 was filed against Onemain Finance Corporation regarding Payday loan, title loan, personal loan, or advance loan specifically about Charged fees or interest you didn't expect. It was received by the CFPB on 2025-12-22T12:00:00-05:00.
How did Onemain Finance Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Payday loan, title loan, personal loan, or advance loan) and describe your issue in detail.
Can I see other complaints against Onemain Finance Corporation?
Yes, visit the Onemain Finance Corporation company profile at readthecomplaint.com/company/onemain-finance-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.