OneMain Financial

Just wanted to inform the worst experience I had with OMF.. I applied towards end of August.. No status update just email to submit docs.. Once submitted I wasn’t able to find out status of application.. I've called every time to find out what’s going on.. Supposedly I was approved.. It is the 12 of September and last week I submitted more pics of cars all needed again.. Since I applied I have never received a call nor email to notify me me of status or declining my application.. Come on all. At least 12 days telling me I was approved and today I call, they saying I was declined.. What kind of communication do you have?? I’m very dissatisfied and disappointed.. Definitely bad review from me..

I have been getting pestered by Onemain for over 1 year. So I was at a point where I needed to get some funds to tide me over until my Heloc loan in January 2023. I supplied them with bank information, documents and ID etc.. Received a call saying I was qualitied for $8600. They asked that I send further documentation and did two "Hard Pulls" on my credit.

I have received personal loans from OneMain Financial over the years and while the interest rates I received have not been reasonable compared to other companies and credit unions I have dealt with; I took advantage of personal loans on a short-term basis. My most recent experience with One main Financial Centerville branch to secure a small unsecured personal loan could have gone better. I received a prequalified offer online and, in the mail, to take advantage of a personal loan for $18000 which was to pay off my existing loan balance and provide me with another $3800 for home improvements. I provided the branch representative with bank and annuity statements to verify my income and retirement status.

I applied for a secured loan. Sent them all the requested documents they asked for. I spent $75.00 faxing over my tax return at Office Depot, which they asked me to do because the file was too large to upload. They led me to believe up until the final underwriting that everything looked great and even scheduled me an appointment to come in and sign the loan agreement. An hour before my appointment, I was told I was denied because there was a discrepancy between my tax return and IRS tax transcripts. How can this be? I got my tax return from H&R Block which was accepted by the IRS and my tax transcripts directly from the IRS website. I offered to log on and retrieve these documents from their office, in front of them. How can there be a discrepancy?

Due dates are the 20th of the month. The next statement is not issued until the 5-7th of the following month. That makes 12 days accumulating daily interest. If trying to make payment for next month say on the 1st or 2nd there is no closing or ending date for the monthly statement so that payment posts to same cycle does not reflect for following month. Worse is next month's is considered a missed payment unless you pay again. The delay in issuing a statement until almost 2 weeks after due date is predatorial in nature as daily interest accumulates.

I'm telling you please do not get a loan here. They are the Worst loan company I have ever seen in my life. If you are late 2 days they keep calling. I have a Netspend account, I have a regular bank account which this payment is taking out of. I have credit cards that are in good standing. They do not want to take any credit cards or netspend. I wish I would have just stayed with my original loan company. I am going to get a second job just to pay them off early. Because I cannot deal with these loan sharks. They will make your life stressful, depressed, and just think everyday why you got this crappy loan. DON'T DO IT.

I took out a loan to catch up on some finances. I paid 138.58 on the loan on Nov 26th for the Dec payment. On Dec 5th they automatically took out another 138.58 and threw my bank account into a negative 165.00. I called them on the 7th Dec and they told me they would reverse the charges if I showed them proof. I sent a bank statement showing two payments were made to them for Dec. payments. They reversed it on their end but never reimbursed my bank account so where is my 138.58. I hope whoever reversed my payment and pocketed my money had a nice Christmas. It now January 1, 2022 and I have still not seen my 138.58 that they were suppose to put back in my bank account.. I will pay off my loan but will never use them again. Don't use these guys at any cost.

I filled out the information. Get approved an unsecured personal loan. They saw my car loan on my credit file, call me. Want to use my car as collateral, so it is not an unsecured loan. Hang up and tell them, "Don't bother me." And they are pretty rude too, not recommend.

At the beginning of Covid-19, I was looking for an Audi Q5. I found one at driven pre-owned in Lenoir NC. I went to check it out and ultimately found a different one I was interested in. Cody at Driven pre-owned contacted Brandy at OneMain Financial to get her to help him coerce me into buying his Audi. Well with both of them contacting me and pressuring me, I went against my better judgement and bought it. The car had so many issues from day one. This was the biggest purchase mistake of my life. The brake light was on, the backup camera didn't work, my taillight fell out on the highway, my engine was gone within a little over a year. I'm stuck with owing $12,000 and the cost to fix it is $11,000.

I had a loan with One Main and my truck title was tied to the loan. I sold the truck and on August 2, 2021 the loan was paid off. It is now August 23, 2021 and the company that bought my truck still does not have the title. I will never deal with this company again and if you do be please be wary. The truck was sold to an established company, Tooele Auto, in Tooele Utah. One Main has held the title way too long.