OneMain FinancialConsumerAffairs Unaccredited Brand
OneMain Financial, formerly Springleaf Financial, has been in the lending business for over 100 years. We are committed to serving our customers' unique situations and are dedicated to treating them with the respect they deserve.
Our experienced team has serviced 10 million customers and over $120 billion in loans. Let us help you take control of your finances!
HORRIBLE customer service. The website is even worse. It only records online payments. If you make another type of payment via check or by phone it doesn't update in history. Ms. ** isn't helpful. Sends confusing miscommunication emails.
I should have listen to the thousands of reviews but I kept getting "pre-approved" letters and email. So filled out the online app and was approved. I receive a guaranteed amount for life as income. I added in other income that verified on my bank statement. Received a call that I can't use the "other" income or provide recent checks for monthly income verification. I would need to provide at least last year's tax return. Now they won't even loan on the guaranteed amount which is only slightly lower than what I had submitted without something to SECURE the loan... Figures. Everyone all over the internet said they do this all the time. And kicker is that my credit is good. All accounts always current. Not ONE late payment... Don't waste your time with this company.
One of the WORST loan experiences I've ever had. If I wanted to buy their life insurance and additional insurances my interest rate was lower. The minute I said I was not interested my interest rate went up. This is got to be one of the WORST practices I have ever seen from any lender. I do plan to contact the State Insurance Commissioner first thing tomorrow as well as any other organization that deals with regulating the financial institutions that use these practices. I am also going to reach out to several news organizations informing them of these practices.
I currently have a blog with about 2.3 million followers who on a daily basis share my opinion and I intend to use this platform at every opportunity to voice my disgust with the way this company runs its business. I would also like to add I made several attempts to contact their corporate office and was either transfer to a answering machine or was disconnected. Just trying to find out who runs the business or contact anybody in public relations customer service, the complaint department is next to impossible. I would also like to add that I declined their loan and I would recommend if this happens to you get up and run because it is not right that you're forced to purchase things you don't want or need just to have a reasonable interest rate.
I had such high hopes with this company. I read reviews and really investigated before I decided to go with them. I got an email confirming I had been approved for $5500 dollars. I would be getting a call from them sometime within 24 hours. Well 24 hours came and went I finally called them. I was transferred 3 times before I was given a number for our local branch. I talked to a gentleman at the local branch and he took forever to find my application. Once he found it he said I should hear back from him that night or the next morning.
Once again, no call in the morning, so I called him. He told me they hadn't even looked at it and he would put a rush on it and get back to me within 30-40 minutes. Two hours later I got a phone call to tell me I was declined. Why the heck would you put someone through all the BS. I turned down several other places that were willing to loan me money because I THOUGHT I was approved through you. Very disappointing experience. Will not try using them ever again.
I needed roughly Five K to take care of some medical bills that had been sent to collections. My credit was on an upswing before the hospital had sent them to collections but because of that, all regular avenues of loan servicing were cut off from me, even with a 650 credit score. I went to AM-One and they paired me with several lenders, one of which was OneMain. But, because of some of the negative reviews I had read, I tried a couple of the other lenders. One was nice enough to give me half of my asked for amount for a payment of over 400.00 for 13 months. I declined the loan. So I decided to give OneMain a try and I WAS AMAZED.
Yes the interest rate is a tich bit high but the terms of the loan are very reasonable, the payment is reasonable and affordable, and I was approved and received funding in a day and a half. I worked with the Taylorsville Utah Office and my loan officer was Madison. She was so helpful and so nice and I was in and out of the office in a half hour, with my funding happening the next day. Don’t believe everything you read when it comes to OneMain. You won’t be disappointed.
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I have been late on payments a few time due to disability. I have never missed payments but only late. They continue to say I missed payments just made me make three payments. There are payments missing. And beware if you are late. They take your entire payment and put it to interest and nothing at all to the principal of the loan. I am not sure how they are getting away with this. I was out on disability twice and made it impossible to get help even when you have the insurance. And on top of everything else let’s not forget about the harassing phone calls. They blow up your phones all day long. I feel that I should have been charged a late fee. But to keep taking my payments and not give credit. Is insane. Please people stay away.
Despite being approved for a loan in late January for $7,500.00 and scheduled to come in to sign for the loan on 02/15/18 I was contacted the day before - 02/14/18 and told an issue needed clarification, which was accomplished satisfactorily. I was then told, the following day was told not to come in as management had declined the loan and gave no reason. Don't waste time with this group - regardless of how long they have been in business, they are a predatory lender, whose staff is unprofessional and uninformed - how they have avoided lawsuits is startling! Hide behind the years business. SPENT SIX WEEKS BEING LIED TO and extending personal information / very disturbing experience.
They didn't explain that the insurance was optional, I canceled it a couple of weeks later and they didn't refund me the amount that they charged me over $400 less. This is ain't right. Never again, and also the interest rate is way too much.
I absolutely love our local branch. They helped find a solution when we were financially having hard times. They always work with us and appreciate that we have been great customers for many years now. During our first loan we always paid on time, but this last time around the last few months were hard and they didn't judge us or harass us at all like some places would. We are now back on track because they helped us find a solution. I will never go anywhere else for a loan.
This company is horrible. Bad customer service, very high employee turn around. Bad information passed along and they try to do the bait and switch, which unfortunately I fell for. I defaulted on my loan after paying on it for a number of years. Due to some unexpected hardships I was unable to make further payments nor were they willing to settle for lower payments. They garnished my wages and that paid off the borrowed amount. They have now sold the $8000 unpaid interest amount to an attorney who now wants the money. I would have been better off filing for bankruptcy to begin with. Stay away from them. They'll kick you when you are already down.
If I could leave -100 stars I would! I got a 15.97% interest loan ($17262 doesn't include payback) to pay off credit cards and had an in depth discussion on never close cards because it affects credit score. They offered to send in the payment for the loans. When I checked the counts, 6 of the 7 had closed. I contacted every company and everyone said they had received a letter from ME with my signature instructing them to close my account. It dropped my credit score 52 points. OneMain told me they hadn't done this, who are you going to believe 1 person or 6 people?! I had the one company send me a letter so that I have proof. Can you say forgery?!
I went thru my normal lender, got 5.99% interest and paid $13707 off within a week of taking the loan out. Balance $2707, I'm giving you #'s so you can see the grasp of this. My payments would have been $607 a month but because I was paid so far ahead, I didn't make 2 payments because I was waiting on a check to finish off the balance. Keep in mind, these payments weren't late because I was paid up to the year 2020. When I got the final payoff yesterday, they added $642 interest for 2 months. I understand interest accrual, this is ridiculous. No interest accrual was listed on my November, December & January statements. The loan is now paid off and I have contacted legal representation to see what recourse I have especially for the forgery. IF you get a loan thru them, proceed at your own risk.
I have read through the other reviews, but regarding myself, I am very pleased with the Customer Service of this Institution. I have been doing business with them for several years starting when they were American General, then they emerged to Springfield Financial and recently emerged to OneMain Financial. They have always been friendly and sensitive to my needs. I hold this Institution in High Regard. They have helped me several times when no one else could. I have not had any wrong or shady dealings with this firm. They have always been honest with me. When I walk in through the door they welcome me on a first name basis. Over the years, they have been very helpful and all their employees are knowledgeable in their business. I have no Negative statements to say about this Financial Institution. They have been very helpful to me. I could sum them up with one word... PROFESSIONAL.
First, they took forever getting back to me after I called them back. Then they neglect to tell you the ridiculous interest rate until the day you sign. Once the loan was signed, they give you a ten day grace period on the due date. But on the first day after the due date they call incessantly. At least once a day sometimes more. l would mail my payment to the Ohio address, and if it was a day late arriving they tack on a late fee and harass you about that. Most places look at the postmark and if it was mailed before the due date they waived the late fee. Not these buttheads, nope not a chance. And as I said they call daily expecting you to send the late fee right now. Did they help in a time of need? Yes they did.
They kept the payment where I needed it to be. The interest rate will kill me. Joke's on them, they gave a $6,000 loan on a vehicle that only has a Kelly Blue Book Value of $3,000-$3500. It has 135000 miles on it and is just about worn out. With a 6 year loan the vehicle won't be worth squat when the loan comes to maturity. Now would I recommend them to a friend, no. Heck I would not recommend them to an enemy. They remind me of a company from years ago called Household Finance. They had the same practices and went belly up after a few years. Do not know what happened to their loans though. To end stay away from this company if you can. If not be very careful and ignore the harassment. Be sure and make your payments.
I had an investment home and I ran out of money to fix it. I went to this company and in my desperate moment I pulled the trigger to apply. Since I was approved so quickly I was relieved... well since I was approved 6 months ago for 6,000 I still owe 5,700. About 100 dollars goes to my balance... DO NOT MAKE THE SAME MISTAKE. EVERYONE ON THIS FEED MADE YOU'RE BETTER OFF GETTING A PAYDAY ADVANCE... This is the worse thing I did in 2017. Stupid me!
Waste of time -- they fraudulently lure you into their office through an online scam they run to get applications, then change the rules once you've submitted the paperwork. Customer service is **, as well. Rude, slow, and condescending. Let the market eat them. They will die (thankfully) when subprime loans take a ** again.
I paid off my loan with the company and now I’m waiting for my title. No one can locate my title so I’ve been told. I have to pay 95$ dollars for a new one because they don’t feel they need to send me my original one because I paid 200$ less than my account because I settled. If I knew how much of a headache they would cause I would’ve gave them all of it. They suggested the settlement! Not to mention they do the most pettiest stuff when it comes to reporting to the credit bureaus... As she settled for less you said all that but I did what I agreed to do! So why is it I can’t get my title? Bad karma. That’s why y’all changed the name because y’all did so many people wrong. I pray that I never have to deal with a company like this. They even sent me forms with the incorrect VIN number. You guys definitely fooled me but I definitely know better. OneMain is the worse mistake I have made during my 20s.
Yes, they will be there to loan you money. But beware of the life long loan you’re entering into. High interest. No way to refi, but they’ll tell you you can. Late fees. Rolling interest. Never can get a live person on the phone. Don’t deal with them. You will regret it.
I had an auto loan with Springleaf, which turned my account over to this company. I was one day late on a payment after being on time since my first payment a year in, and instead of giving me the courtesy of removing it from my credit report, considering my perfect payment history, they left it. Then, I had a bad car accident, in which my insurance paid off my car as it was a total loss. I was always in touch with OneMain to make sure whatever balance was left, that I could work out payment arrangements. Mind you, I only owed $214, which I split into two payments. They agreed on this arrangement. Instead, they reported me again, to my credit bureaus as "late payment". I have finally paid them off and I will NEVER go back. Horrible customer service, they do not care about the customers.
Our 2nd mortgage company was bought out by OneMain and ever since has been a struggle paying it off. Finally got it paid off by new mortgage. OneMain on same day as payoff, put the loan in their COLLECTIONS department with requiring ME to write a DISPUTE letter!!! OneMain Financial should be renamed SNAFU Financial. It is SO SCREWED UP!
Said I was approved online with very good approval odds with Credit Karma. The day to call them I did and some guy took application from me who didn't have clue what he was doing. Very hard to understand him. Never returns call. Get voice mail when calling bank. Beware.
Used them for an auto title loan because I was in a pinch. I paid the high 22 percent interest rate payments for almost 2 years and refinanced through my local credit union to pay them off with a 9 percent interest rate. They received my check on the 14th (apparently) when I mailed it on the 8th and auto withdrew another $221 payment on the 15th. I contacted them about a refund and was told they have 15 days to refund and close my account. It is now 20 days and still have nothing. Do not deal with them. Their staff is trash and the company is even worse.
I got a loan from my local place in Toms River, NJ after a death in the family. Having recently retired my credit was stretched thin and I couldn't get the funds anywhere else. They offered me a significant amount but the amount I received has become almost 1/3 less than what I am paying! I believe it is around 30% interest, plus when you sign look closely. They add all these extra costs on for insurance and such and tell you it will be added with the finance charge, but you are also paying interest on it! I have about 375.00 payment monthly, statement shows 250 goes to interest, 125 goes to principal. Then I got papers in the mail for a lower interest, but they wanted it changed from a personal loan to a secured title loan!!! Watch those papers closely. Easy to slip an extra form in there!!!
I initially applied for the loan because I was quitting my job soon (put in my two weeks) and needed basically kind of a safety net while I was working on this other job but nothing was guaranteed and I explained this to the lady helping me, mind you I only requested 1500 and got approved for 7000 but I guess they said I got denied because I didn’t have a job. Like I’m dumb enough to apply for a loan with no employment. No I just wanted to use the money in case. I work at US bank making 65k+ and I drive a BMW. I’m not worried about not paying a loan back so that’s why I dissatisfied with this company because they could have called my job and verified. I still work their technically for the next couple weeks but because I said I’m putting in my two weeks they couldn’t approve it which is dumb but that’s what I get for going with a bank like this instead the one I worked for silly me.
I already had a loan outstanding secured by my truck. I borrowed the money originally to replace my air conditioner which was over 10 years old and could not be repaired and had to be replaced. A year and a half later I had to have a number of teeth extracted and an upper and lower partial and my portion of the cost was well over $1000.00. Kassie ** reviewed my payment history and was able to rewrite my loan to provide me with the extra funds to pay my portion of the cost. I own my own home which has a ground well that provides water to my home. I have a washer and dryer which I cannot use because of the high iron content. I needed a water filtration system. Again OneMain was able to help me finance my system allowing me to hook up the washer and dryer.
We've paid off many loans with Springleaf (and the former American General). OneMain is NOT the same. We had a current loan when the merge happened and I hate it. Our loan will probably be a decade getting paid off (started as a 4 year loan) every day past due date. They add approx $5 (+33% interest) a day, to the end of loan. When I questioned some things, lady got evasive, then defensive. AVOID ONEMAIN AT ALL COSTS. I have over 20 years of loans and payoffs with American General and Springleaf. This current loan will be YEARS unless we fall to a heap of money. DO NOT TRUST THIS COMPANY.
These people don't understand the concept of cease and desist. I repeated told them to stop calling my family member at work, whenever I was a day or two late and they decided to just do it from multiple phones. I gave them a check so they could just debit my account on the date I set, but they decided to take it out two to three days early and put my bank account into overdraft. Then they lied and said I never gave them a check in the first place. DO NOT take their offers, these people are ridiculous.
I have recently acquired my 3rd personal loan from OneMain Financial. I have used this company for about 4 years to assist when I needed a small personal loan for various reasons. Originally I went with OneMain (formerly Springleaf) due to my credit limitations with other lenders. Even after improving my credit scores, I continue to go back to OneMain. The staff is always very courteous, knowledgeable and efficient. They worked around my paydays to schedule auto-drafts for loan payments which is very beneficial to me personally. I have also used the OneMain Rewards site for financial advice, money savings tips and as an added bonus, I have used the rewards points earned to purchase gift cards throughout the year. This is a great company!
One Main has been so helpful. This is our second loan with them. They are so nice, and make the loan process easy and don't ask a ton of questions. Staff is amazing as well. I'd recommend them to anybody.
I have paid on my account in a timely manner. This month a double payment was taken out of my account without prior notification. I am in the process of refinancing my home, and will pay off loan at this time. This company by taking out a double payment, may have jeopardized my refi. Taking this to my attorney. I don't understand how or why a double payment was taken out, when last month's payment was made. Be careful when dealing with this company.
I received mail from OneMain Financial stating that I was "Guaranteed" a loan for X amount of money. Upon applying I was denied and told I could not receive any loan. I proceeded to ask what their definition of "Guaranteed" was and they were unable to answer my question with a straightforward answer.