Elvis A Wnw

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Verified Reviewer
| map-marker Winston Salem, North Carolina

Misleading loan application

Good afternoon. Gentlemen of OneMain financial, I find it in bad taste that you waste my time on a loan application, that in the end you asked me for a title for a car that I own to be able to lend me the requested amount, what you do with it is a deception.

the people who request a loan with you and I do have my own car, but I am not going to pawn my title for a miserable $12,000, when my car is worth more money and something else would have happened, if you had asked me for a guarantee from the beginning. said loan and not requesting it at the end of the negotiation, it seemed very unprofessional to me apart from the fact that the interest rate was very high, thank goodness I didn't do business with you

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Cons:
  • Your loan application is a scam

Preferred solution: Your loan application is a scam

User's recommendation: I wouldn't recommend them to anyone

ReadyyOrrNott O

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Verified Reviewer

Thieves

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This company is EXTREMELY DECEPTIVE in their practice. We PAY EXTRA for insurance in case my husband goes on unemployment, because he's a union carpenter and they get layoffs.

He's also the sole provider for our household.

We had to use the insurance from 10/23-12/23. The insurance company made the FULL payment of $285.50 October through December. Here's where it gets deceptive. One Main continued to pull the payment from our bank account as well in Oct and Nov knowing it was under an insurance claim.

They were double-dipping every month, and keeping the extra payments. My husband had to call them to tell them to stop at the end of November before they double-dipped a THIRD time and got 2 December payments.

We are currently paid ahead until March 1st (well now April 1st) because of them double-dipping those 2 months. Which I don't understand, because we're paid ahead TWO months, not one.

This morning I awoke to find yet ANOTHER $285.50 taken from my account even though my online account and statement both reflect a zero balance and that I'm paid ahead until 3/1/24. This payment they took today caused my electric bill to bounce.

I'm completely disabled and have a small child, and we're on 1 income. They won't give me the money back. They told me the only way to get the money back would be to stop payment on the check...(which everyone knows)...would automatically default my loan and initiate repossession of my collateral. So now I'm stuck with no options, and they know this.

Actions of a true heartless predator.

They have taken $856.50 out of my account since October that wasn't owed to them. Their excuse...we "needed to call them every month to tell them not to take the payment even though it's paid ahead (and was under an active insurance claim), because SOME PEOPLE like having the extra money towards their principal balance." Unfortunate for me, I'm not "some people ". We're on a limited income and on a budget. And I'm sorry, but insurance fraud isn't my thing.

They cashed insurance checks knowing they had already pulled the payment from our account. They should've stopped payment on the insurance checks and notified them of the double payments, or should've notified us giving us the option to be reimbursed the $256.50 x2 or to leave it towards the principal balance. They did neither.

They took the money and ran.

Very deceptive and predatory behavior. Can't wait to pay off this loan and be done with them.

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Loss:
$857
Cons:
  • Never stop their autopay

Preferred solution: Full refund

User's recommendation: Exhaust all other efforts before getting a loan through these prople

1 comment
Guest

If you stopped payment your loan would not be in default. You would be paid up through 3/1 vs 4/1.

The only drawback is paying your bank a fee to stop payment and the other bank would probably also charge a fee.

I think there was a lack of coordination with starting insurance paid payments and turning off autopay and then the reverse. It was never fraud unless you did not get credited for every dollar towards your loan from both sources.

Debra K Oqc

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Verified Reviewer

HARRASSMENT FROM CITI BANK

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This is the email I wrote AFTER I was harrassed, threatened that they were coming to my home, hung up on, from a collection agency who was hired by Citi Bank AND I HAVE NO IDEA WHO THIS CITI BANK IS!!! THE NERVE OF THESE PEOPLE.

Please DO NOT do business with these unprofessional, unscrupulous, people. Both have been put on notice. One more call and I'll start Proceedings!!!

My email:

I have NO IDEA WHO YOU ARE. You've Hired A Collection Agency To Collect Money From For You And I Have No Idea Who You Are.

STOP HARASSING ME!!! I'VE SPOKEN WITH YOUR BULLDOGS AND THEY BETTER NOT CALL AGAIN. I'LL START PROCEEDINGS AGAINST YOU IF YOU KEEP THREATENING ME!!! I'VE BEEN THREATENED BY THE AGENCY YOU HIRED!!!

I WANT THIS STOPPED!!! I BETTER HEAR FROM A LIVE PERSON CONFIRMING THESE THREATS WILL STOP!!!

View full review
Cons:
  • Threaten people without knowing who they are

Preferred solution: Apology

User's recommendation: Do Not Do Any Business With Them. They Can't Even Figure Out Who Their Talking To!!!

SandraM G

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Verified Reviewer
| map-marker Millsboro, Delaware

THIS FINANCIAL INSTITUTION IS RUN BY COMPLETE ***

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OneMain Financial - THIS FINANCIAL INSTITUTION IS RUN BY COMPLETE ***
OneMain Financial - THIS FINANCIAL INSTITUTION IS RUN BY COMPLETE *** - Image 2

I applied to Citi for a charge card and it said I could transfer $1,000 of another card over to the new Citi card. NO...they LIED!!!

After I got the card I proceeded to set up Auto Pay with a representative only to find out that NO...NO...auto pay WAS NOT SET UP!!! I then went on line to set Auto Pay up myself. I TOOK AN ACTUAL PICTURE OF THE SCREEN WITH I RECEIVED THE CONFIRMATION THAT AUTO PAY WAS SET UP. BUT NO!!!

They STILL contacted me about an overdue payment. THESE PEOPLE ARE COMPLETE IDIOTS!!!

TODAY I CLOSED OUT THE ACCOUNT, ASKED FOR A PAPER STATEMENT AND NOW WILL HAVE TO CALL THE CREDIT AGENCIES TO REGAIN MY GOOD CREDIT SCORE. DO NOT DEAL WITH THESE PEOPLE...THEY ARE FROM THE PLANET "ANUS"...THEY ARE BRAINLESS ***

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User's recommendation: DO NOT DEAL WITH CITI...EVER!!!

SandraM G

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Verified Reviewer

Illegal and Usurious Charges by Citi

I have sent numerous letters to the Comptroller of the Currency regarding this financial institution. I had one Citi Credit card and a Sunoco Credit Card by Citi.

These people are pulling some kind of SCAM!!! First of all, to set up auto pay...forget it!!! I tried TWICE and NOTHING happened...thus receiving late charges and fees!! I have repeatedly asked for "paper" statements on BOTH accounts and to date (as of 2/22/2024) they have sent my February statement.

Mind you, I went onto the Sunoco site and do NOT have record of my user name nor passcode, but was able to connect with my account. THESE THIEVES HAS CHARGED MY ACCOUNT INTEREST FEES LOWER THAN $5.00 AND SINCE I HAVE RECEIVED NO NOTIFICATION FROM THEM...THEY HAVE CHARGED ME $40.00/mo in late fees totaling $217.72!!!

I have reported them yet again and I will continue to report these THUGS!!! This is NOT good banking...this is NOT bad banking...this is THEFT!!!

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Loss:
$1
Cons:
  • Uncalculable

Preferred solution: I want a full refund of ALL and ANY charges made to this...BANK!!! They are NOTHING but THUGS!!!!

User's recommendation: DO NOT...EVER apply for any charge card connected with Citi Bank

RITA C Bmy

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Verified Reviewer

My account

Just call to your office in Eagle Pass and Jorge the guy that answer the phone was so rude I called to discuss about our account and he just hanged the phone on me Im trying to call again and its just go direct to the voicemail
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Loss:
$90

User's recommendation: BETTER CUSTOMER SERVICE

Nazir Y Sio

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Verified Reviewer

OneMain Financial - Review in Loans and Mortgages category

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Congrats: your chance of approval is outstanding! I really dont appreciate you taking my valuable time for nothing online says (Congrats: your chance of approval is outstanding!) what this means I dont get it
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Preferred solution: Apology

1 comment
Guest

It means your credit is garbage. I think you knew this but took a chance anyway.

You were on a "pre-approved" list they pulled from the credit agencies. They looking for desperate people with weak credit. This list doesn't show your credit file. Only a range of criteria.

People who they can hook into a loan that they will never pay off unless they hit the lottery. Once they get someone like this to apply, they can look at your credit which again is garbage and they said no.

Believe it or not, this is the best thing that could have happened to you. Had you received one of these loans from a joint like this, you would be back in 2 years whining that your balance isn't going down.

Timothy H Yod

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Verified Reviewer

You took a payment without my consent

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I need a representative to call me. I do not want to speak to no machines I want to speak to a live representative 504-266-**** Tiimothy Hamilton
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Loss:
$945

Preferred solution: Full refund

Laurie M Clm

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Verified Reviewer

They are a terrible company

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They are not a good company to do business with. One issue is that they do not report the payments you make as they should.

My credit reports show nothing past May 2023. When I disputed this, they updated June & July with "-". Here it is 6 months later, and they haven't updated anything. So now, Credit Karma comes up and tells me I missed a payment when I pay early every month.

I'm tired of disputing them constantly because they can't do their job. On top of that they have super high rates around 25%. The person below who commented on their sales practices was 100% correct in what they said. In my case, I was sent an actual notice from them saying I was pre-approved to refinance my loan to get additional cash out.

When I filled out additional information, the soft inquiry said I was approved. It literally gave me 8 or 10 offers to choose from. I selected the best offer for me. When I submitted it, a hard inquiry was done, and then they denied me and made my credit score drop.

They are a terrible company. I would never do business with them again. I have managed to raise my score a lot on my own. I literally closed every single credit card I had, except for 2.

Despite what financial experts tell you, that worked for me. I can't wait to be done with this place.

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Preferred solution: I would like them to actually update my credit reports with my payments on a monthly basis. They should be doing this anyway.

User's recommendation: Don't Waste Your Time

2 comments
Guest

"pre-approved " means they pulled your name from a list obtained from a credit agency. All it means is you made a list of certain criteria.

Knowing how people like you, who borrow from a place like this at insane interest rates, of course, they're going to do a hard pull.

You should have known this as it tells you on the "pre-approved" detail. If you have issues with them reporting to the agencies, stop fooling around with Credit Karma (LOL) and contact the agencies directly.

Taner Ypt
reply icon Replying to comment of Guest-2456469

I do dispute directly with the 3 bureaus. I have to dispute OneMain on a regular basis because they keep on "not reporting" payments.

As far as the pre-approved offer... after I received the pre-approval letter I went online and they did a soft inquiry.

After this was when they listed the multiple offers for me. I chose one and then they did the hard inquiry and denied me.

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Brian W Wcc

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Verified Reviewer
| map-marker Spring, Texas

Done trying to do it the honest American way and now have lawyers too get it done being defrauded by a business and And by people allowing the government to pay that bills, so my lawyers have advised

One of the oldest offices in Hartsville is about to be contacted from 2 different lawyers offices. Because I've been conned by your office in Hartsville, South Carolina and by somebody within yall's office.

Doesn't understand the concept of money. If they did, then they would understand that $37000 and change is almost what people make in a year and that's what I've paid and nobody is listening to me for me to show them that they're being Ripped off defrauded.. I have Liberalize contracts sign baby showing everything from deposits problem. All state insurance straight into and two the person's account who Has been given every.

Opportunity, i'd ask for half of one lonely, even $3500 and I would sign and if you get another. I say I wouldn't press charges. Now I'm not impressed charges on the person that went to onever main But I'm pressing charges against him. That branch is manager the oldest location in Parksville.

Because because I don't think Tom's. At least I've tried to just talk and I wasn't hor no. I'm going all the way for a person who started to a person who would listen. Who gave the man who started the big chick and cut corners doing the Lane on the truck in which I should all in 3 times over.

And I'm going after their Insurance Company for the truck that I should have only multiple times over for him. Taking my 10 plus $1000 to fix the truck and having it switched and direct deposited in his account and also not report it to the lein holders. That being a witch, those people are is who. I'm about to say Good Night and speak lawyers Thank you.

I'm at nest. I'm not adding receipts or proof because then I will be breaking the law and the lawyers. I'm paying good money too obviously the people know who they are.

I'll show the receipts and everybody's thread of evidence. I have you're right about it but don't say I have.

And there's an email I'll show what I've gotten showed up every lawyer has it.

Do it just called me. Get a lawyer that's all.

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User's recommendation: Don't get it alone with this company. That's my recommendation and do not even trust the fine print even at the high percentages and sometimes notarize contracts. And doing the right thing, it's not enough, so you would need to get somewhere else. There's my recommendation.

2 comments
Guest

Your review is incoherent rambling. Care to try again?

Guest

You either are lying and don’t have lawyers or you need better ones. They should have told you to not speak, write and certainly not go online and discuss anything.

The company probably has someone monitor any online entries about them and you named them, their address and a lot of details. Do better.

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Brian W Wcc

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Verified Reviewer
| map-marker Spring, Texas

They said my review was rambling!!!

I am leaving this for onemaine in Hartsville south Carolina They have ripped me and my family off. For more than $30000 that no one about it. I reached the headquarters. I've reached to the Dang office in Hartsville, and I'm done playing games my lawyers are on it ...Stasy away from them
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3 comments
Guest

No One Cares.....

Guest
reply icon Replying to comment of Guest-2470355

You’re a horrible person why are you even on here?

Guest
reply icon Replying to comment of Guest-2471110

Entertainment.

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Annette D Qwx

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Verified Reviewer

Unfair Late Fees

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I have been a loyal customer with OneMain for several years and I have been pleased with this company up until now. I have been paying my bill on time every month with direct debit, which works very well for me because I am a senior on a fixed income.

But now, I am very disappointed with OneMain and it is very upsetting to me.

When I did a loan recently, I asked the young man to set my payments so they can be directly debited from my account on the 21st of each month. He informed me that it would be no problem to do that. Now I am told, after much confusion and nonsense that I cannot have it debited on that date each month and now I am being charged exorbitant late fees each month. This is a hardship for me as a senior on a fixed income and I am disappointed that I was told the 21st would be ok when I first did the loan and not it is a problem.

I am currently looking for another company to take out a loan to pay off OneMain and be done with this company once and for all. Its a shame because up until now, I have loved dealing with OneMain. Now everything is so messed up and it is disappointing to me. I have several people ask me to recommend a loan company and up until now, I would have gladly recommended OneMain.

I will not now. I am upset about the exorbitant late fees Im being charged when I clearly asked the young man if my payments could come out on the 21st of each month. I will be looking forward to finding a way to pay this loan off as soon as I possibly can.

I am upset and tired of seeing my account saying Past Due when I asked for a payment date to be set when I first did the loan. I am disgusted and very disappointed with the service and treatment I am receiving.

Annette Dodson

View full review
Cons:
  • Bad experience now

Preferred solution: The issue resolved and late fees removed. I requested a specific date for my payment and I was told it would not be a problem. Somehow, now it is and I am charged unfair late fees because my loan payments were set up improperly.

User's recommendation: Choose another company

3 comments
Guest

This is an EASY fix. Pull the contract and show them your payment is to be pulled on the 21st.

IF you have that, you're golden. If NOT, you'll have to deal with the contract YOU signed. By the way, your age means nothing. It's not hard to tell someone who knows they're wrong when they pad a complete with useless noise.

And, we are all on a fixed income. It's sad an old person is still borrowing from jokes like this.

Guest
reply icon Replying to comment of Guest-2394636

What is wrong with you? People on here bullying a senior citizen. Like your important behavior is disgusting.

Guest
reply icon Replying to comment of Guest-2471113

No one is "bullying" anyone. This "senior" who has probably been a train wreck all of their life signed a contract and is now trying to work around it.

I was told that "seniors" were the last of the honorable people on the planet and could do business with a handshake. Seems to me that's a lie as told by this sad story. This "senior" has bad credit (which I thought they didn't do) or they would be at a joke of a place like this and will probably pass the debt on to the next of kin. Lesson to "seniors." Do not sign something if you're on a "fixed income" like everyone else and your little checks don't show up before the due date.

If you do sign, be prepared to honor your signature and not try to pull the "senior" card. It's pathetic.

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Melissa R Ory

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Verified Reviewer

String you along for nothing

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I am so sorry I ever re-financed my car with this company. The same guy, every time I talk with him, leads you on that you can take out a small loan and makes you go through the whole process, including ruining your credit score, to tell you no. I would never recommend this company and as you can see noone else would either.
View full review
Loss:
$5000
Cons:
  • All

Preferred solution: I asked for a small loan and they have my car as collateral, and all I hear is no. They still make you go through the whole process with a credit check. I will be moving my loan

5 comments
Guest

Situation was resolved

Guest

What do you mean by "string you along?" Does that mean they can loan you money IF your credit checks out? If so, that's not a lead-on.

Your credit (and car) wasn't good enough for a loan from this place.

It's business.. Stop the whining.

Guest
reply icon Replying to comment of Guest-2417819

Wow! No wonder this rating is so low

Guest
reply icon Replying to comment of Guest-2417819

I'm sorry. Do you know my situation Mind your own business and read all the terrible reviews

Guest
reply icon Replying to comment of Guest-2418201

"to tell you no." Your situation is your car or credit is garbage. That's the only reason you would be at a place like this instead of a bank or credit union. Why else would someone pay the crazy interest this joint charges unless they HAD to?

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Kyle S Uqu

They said i committed fraud

I got some random call from someone saying there was a complaint filed against me 2015 for taking a loan out and then closing my back account out I've never had citi finacial and I've never taken a loan out from them
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Preferred solution: Apology

Dan F Bdv

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Verified Reviewer

Lien on my mortgage

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Paid off my loan in full 15 years ago and they still havent removed the lien against my mortgage. Im in the process of selling my house and this is still showing up. No one will answer or return my phone calls. This is an urgent matter.
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Preferred solution: The lien on my house removed so I can proceed with the sale

User's recommendation: Don’t use them

Jazelyn Vxw
map-marker Waldorf, Maryland

Unlock account

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Account was unlocked and systems are all ok. Very professional service, timely and easy to work with.
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