Payday loan, title loan, personal loan, or advance loan -- Struggling to pay your loan -- Complaint #8236955
Complaint Overview
Complaint ID: 8236955
Company: Onemain Finance Corporation
Product: Payday loan, title loan, personal loan, or advance loan
Sub-Product: Title loan
Issue: Struggling to pay your loan
State: Missouri
ZIP Code: 64138
Date Received: 2024-01-27T12:00:00-05:00
Date Sent to Company: 2024-01-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to address a matter of concern regarding the frequency of phone calls I have been receiving from OneMain Financial. While I understand the importance of communication, I believe the number of calls I have received recently is excessive and has become disruptive to my daily activities. Since XX/XX/2024 I have received 17 calls. Per The Fair Debt Collection Practices Act FDCPA Placing a telephone call includes telephone calls that the debt collector makes and that go into voicemail. In addition, The Debt Collection Rule is presumed to violate the law if they place a telephone call to you about a particular debt more than seven times within a seven-day period. XX/XX/2024 Saturday - XXXX XX/XX/2024 Friday - XXXX, XXXX, XXXX, XXXX XX/XX/2024 Thursday- XXXX, XXXX, XXXX XX/XX/2024 Wednesday- XXXX, XXXX, XXXX, XXXX XX/XX/2024 Tuesday- XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Monday- XXXX, XXXX Also, XXXX texted me on XX/XX/XXXX and stated I need to have a payment of XXXX which is a half payment. I responded that I could gather as much as I could by XX/XX/2024. She responded that it has to be the full XXXX or she won't be able to process the payment. I responded. It is not XX/XX/XXXX and I have received 17 calls in regards to this matter. My account is notated that I am facing financial hardship and I am still harassed in regards to my payment. When I speak to the staff at One Main you speak to the initial person who calls you, then they transfer you over to a " branch manager '' who then does not know why you are transferred over so you have to explain your financial hardship over and over. I feel humiliated and embarrassed every time I have to explain my situation. Before this hardship I made it on time payments and had a stable income. I worked for 8 years with one employer. I've also seen that complaint # XXXX experienced a similar issue of frequent calls and being transferred over to a branch manager. The staff is polite when you speak with someone. If you do not take their call they will call you repeatedly.
Frequently Asked Questions
What is Complaint #8236955 about?
Complaint #8236955 was filed against Onemain Finance Corporation regarding Payday loan, title loan, personal loan, or advance loan specifically about Struggling to pay your loan. It was received by the CFPB on 2024-01-27T12:00:00-05:00.
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.