One Main Financial

Review: I have been a customer of this business for over 10 years with absolutely no issues. In fact, I have been a great customer. I have had my Payment drafted from my same account that I have had for years on a monthly basis for a couple of years now. I had received an invoice in the mail stating I was delinquent for Decembers Payment. I called them and they stated there was something with their computer system and my Payment did not go through, however I was responsible for not only the amount of the repayment, but the interest as well. I spoke to [redacted] as well as [redacted] at this office and stated repeatedly that this is not my fault and I should not be charged interest. [redacted] was very rude to me and stated I should have called them earlier. [redacted] laughed at me when I told him no, I will not Pay interest on something that is not my fault. The customer service (or lack there of) is horrendous. If I had been a bad customer, I could almost see it, however I have never had a problem with them in the 10 years I have dealt with them. I do not thik it is fair, or think it should it be legal to charge me interest due to their computer issues. I am a single mother, with only one income. I do the best I can but I do Pay my payment every month. I do not have long until this loan is paid off, and I wonder if this is on purpose to get more money out of me. I have been in tears for the past few weeks due to this. The way I have been treated is unacceptable!Desired Settlement: I would like for them to apologize, eat the payment(s) that THEY have messed up on. How dare them treat a good customer this way.Thank you,[redacted]

Consumer

Response:

Hello,

Thank you for your time. I would like the interest to be waived for the last 2 payments that they did not draft (as originally set-up and arranged). I will have this loan paid off by the end of this month.

I would have gladly recommended One Main Financial prior to this horrible experience. I was laughed at, and talked down to due to THEIR ERROR.

I will no longer do business with them and I will encourage everyone I know not to do business with them as well.

Business

Response:

We are in receipt of your February 18, 2015 correspondence regarding Ms. [redacted],s OneMain Financial account and we appreciate this opportunity to address her concerns. We have had an opportunity issues to review the raised and offer the following response.First and foremost we appreciate Ms. [redacted] bringing this matter to our attention, and we apologize for any inconvenience this situation may have caused her.Our records reflect that Ms. [redacted] originally obtained an interest-bearing, personal loan with [redacted] branch office on January 14, 2010, with a principal amount of $10,025.40 and in interest rate of 24.99%. The loan was repayable in 60 monthly installments consisting of one initial payment of $335.95, followed by 59 payments of $294.20 each and was assigned the account number [redacted]. I have enclosed a copy of her Disclosure statement, Note and security Agreement and Itemization of Amount Financed for reference.Please be aware that as of July 1, 2011, the serving office in [redacted] began operating as OneMain Financial.According to our records Ms. [redacted] opted to use our AutoPay Plus program for the amount of $294.20 to be withdrawn from her account starting December 20, 2012 and ending December 15, 2014. I have enclosed a copy of the enrollment form signed by Ms. [redacted].Please note, our records indicate the [redacted] servicing office made several attempts to contact Ms. [redacted] pertaining to her AutoPay end date and payment arrangements and has been unsuccessful.We encourage Ms. [redacted] to contact the branch manager [redacted], at phone number ###-###-####, to work with her on a possible work-out solution for her account. OneMain Financial corporate offices are unable to access detailed account information to facilitate loan adjustments. As a community based lender, the ability of OneMain Financial offices to service the client personally is an essential part of the business model.As the date of this response, Ms. [redacted]'s account is past due for the scheduled December 20, 2014 payment and all subsequent payments.Should you or Ms. [redacted] have any additional questions or comments regarding this correspondence, please feel free to contact me directly at ###-###-####.Sincerely,[redacted]Resolution SpecialistExecutive Response Unit