OneMain Financial Reviews

My husband was diagnosed with COPD a few years ago and at that time he was so sick he sold his prize possession, his motorcycle. A few years have gone by and now he is lots better and decided that he would like to ride again. Being off work for 2 years he was worried that he hadn't been on his job long enough to qualify for a loan. Springleaf made that possible when no one else would help us. We are old customers of Springleaf and have never been turned down. Thank you for making my husband's Father's Day this year the best ever! Many thanks to all of your friendly kind staff! Many blessings to you all.

I always have enjoyed going to Springleaf.. The staff is courteous, knowledgeable, and efficient.. I got in, made my request and was out in a timely manner.. As a busy professional.. I really appreciate that..

They were prompt, answered all the questions and were very nice.

My experience with Springleaf was very good. Rep was friendly and I felt comfortable with the loan. Explain information very clearly and made it convenient for me to come in and complete my loan.

Great Service. Friendly People!

This loan process was quick and easy with reasonable expectations to repay.

I honestly believe that Springleaf Financial helped me with a very what I would call serious problem. Without them I don't know what I would have done and I will highly recommend them to anyone, family or friends.

Very easy to work with.

I had a very positive experience with Springleaf. I submitted my application online and once submitted, I was contacted. They were very professional and helpful.

They were great, got my money quick, customer service was great. Easy process.

After our prepared application and the qualifying process, we were granted our loan. Albeit, short of our requested figure, we still received a fair amount. We are grateful. I still have qualms with the interest rate, but it seems "beggars can't be choosers". I believe that fact is widely known, and abused by the lenders. You wanted honesty; I am sharing it. Thank you.

I had been with HFC and Springleaf took them over. I was never later on any payments and always paid ahead of time. Recently I got a notice my monthly payments will be going up. I requested to have my interest rate lowered since I was never late and they directed me to a debt consolidation co. and they would charge me $40.00 a month to get my interest rate lowered to pay off this loan faster. But if I have to pay them $40.00 monthly, how is that helping me lowering my interest rate? It only puts me in a bad credit rating. Springleaf is a cut throat company worse than loan sharks and are hurting people in poor financial shape. They lie and just stealing your payments by putting nothing to take anything off the principal so your loan never goes down. Stay far away from this company.

I've been with them quite a while and have paid every month but my balance hardly goes down at all. On my most recent statement only 99 cents went toward the principal.

Do not do business with this company. Will waste your time. Will make promises, then will not fulfill when you go to their office.

After paying off a loan that was originally HFC then bought by Springleaf loan was 20 years - paid off in 14 years. Now saying we owed 4500.00 in deferred interest for being late. Well our original contract states if late you will be charged 10% of the loan, not this deferred interest and now holding our deed of trust for ransom. 2 lawyers when we mention Springleaf says, "You might as well signed your life to the devil, Number 1 crooks," and flat out refuse to pay them anymore. They got plenty of interest money, also have seen the changing of due dates, calls to make a payment which goes somewhere out of the country, also told us today that our statement says money owed on deferred interest. Sorry Springleaf a statement is not a contract that we signed.

I just filed bankruptcy. Called Chisty at the Panama city branch to get information on a loan. She told me she can't help me until I get some kind of credit established. I thought that's what Springleaf Financial service is for, to rebuild your credit. If I had establish credit, I certainly wouldn't turn to Springleaf and pay their astronomical interest rates. I wanted to bring up my credit score so I would get a lower interest rate when buying a car. I can get a car now for about 18 percent interest instead of 32 percent with Springfield. Don't waste your time with these guys.

At the end of my loan, I called them so I can do a payoff. They told me that the payoff was good for 30 days and I told them to put a note on my account that I was going to send a full check and they said it was fine. So now I received a letter in compliance with California consumer credit reporting agency act. That they were going to report me for not making their payment. When I received this letter the account was paid off in full. I called their office and they said there was nothing they could do because they did not receive my payment when this was already paid in full. This company take advantage of people that can hardly get credit making a lot of money of you and that's all they care..... Be careful in getting involve with this company.

I have been a customer for a couple of years now. My account is current... These "professionals" violate my rights over and over and over with no regard for the law and, even after I have warned them over 15 times in recorded conversations, that the number is a cell number and that continuing to call it is a violation of the TCPA... they continue to laugh at the law and violate my rights.... for a current account. My latest payment posted today. I have gotten into trouble with more than one employer due to their phone calls... and they violate legal timing of calls as well... They were informed that I moved to the East Coast and still call by Pacific times... Thanks for letting me sleep for work!! Oh, yes, and they knowingly sent private/protected financial information to an incorrect address for MONTHS (risking my safety).

Recently my car was repossessed for a 60 day past due amount of $2.00. I refinanced my loan in February and the first payment was due on March 15th. The payment was late and was paid on April 6th in the amount of $160.00. I made the check for that amount because I didn't have a copy of the payment statement and I was not sure of the exact amount due. I figured that I would just include this small amount with my next payment. On Friday May 16th I made my April payment in the amount of $165.00 which would have satisfied the past due of $2.00 and the April principal amount and the late payment. Before I could get home that evening the repossession took place.

Took out a loan for a modest $2,100. # year payments of $128.00. In late 2012 was unemployed. I have insurance through the loan to cover me if such a situation should happen. Faxed paperwork to show my unemployment and filled out proper paperwork at the office. It's now 2014, called to pay off loan early. They just told me that they never received proof of unemployment and that I've been paying back charges and late fees for almost 2 years. Never missing a payment, I still owe $100 less than what I borrowed. Still have original paperwork showing I was off, showed the Ins. company and the office proof AGAIN. Told me there is NOTHING they WILL do. A complete freaking scam. Wouldn't recommend ANYONE using this Scamming loan Company. Hope someone reads this before it's too late for them.

Took out different loans. Never missed payment or late. Since 2003, been paying $156.86. Since March of 2003, was under the impression loan to be paid off March 2015 which is 120 payments of $156.86. I was never told it was a revolving account and that is the gospel truth. Balance still owed over $7.000.00. HAVE PAID $17.254.60 SINCE MARCH OF 2005 AND STILL OWE $7.000.00 ON A $10,000 NOTE. SOMETHING IS WRONG WITH THIS PICTURE. Went into the office to confront them. Of course they say, "I thought you knew." Wrong. I'm 73 years of age. They want my house. Somewhere along the line, they took amount of 2nd mortgage. I would swear to god and everyone this is a true story.

We paid our account off on May 1, 2014. Was told they would release the title to our car the same day & DMV would mail it to us. As of this morning May 12, 2014, the title is still not released even though the manager says she released it. Where do we go from here? Very upset with them. If my payment was late, they were right on it. We paid them $3933 & still no title.

Got a loan through HFC, and Springleaf took over. I called to ask the payoff amount for this loan; got the information and told them I would like to pay if off today and close this account. I called back a week later because I left off banking info and was told that my account is still open and accumulating interest on it; which now I had a different amount to pay.

I have been paying on a loan since Oct. 2005. I notice that our balance did not seem be to going down. We have had to move several times since 2005 so I called Spring leaf(now) American General(then for a history). I was sent only four pages. There was none for 2005, or 2006. 6 only for 2007. 7 for 2008, 10 for 2009,11 for 2010, all 12 for 2011,10 for 2012, all 12 for 2013, 3 for 2014. When I talked to the manager, I had not even notice that the number of missing payments. I asked about the differences in monies in principal amounts. He said it was because we had paid on $400.00 on a bunch of payments in 2008, which only 7 were recorded. He never said a thing about the 3 in 2005, all in 2006. Now what company would let someone keep a motor home if all these payments were missing and then we only made 400.00 of a 584.00 payment. I was not going to argue with him. I told him I would look at me payments and then call back. I would like to handle this right.

I HAD a credit card account and was trying to improve my credit, so took out a small loan with Springleaf. They would only loan $3500.00, which in fact, was only enough to help me out for a short time...but created yet another bill for me to pay. No help here. I am NOT a financial wizard! I went to my Credit Union and was able to take out a home equity loan and pay off both Springleaf accounts, as well as other bills and end up with only 1 payment to make each month (other than utilities & necessities). My Credit Union had all billing statements and contacted Springleaf for a "PAYOFF" balance for both accounts. Also, the Credit Union actually wrote the payoff checks & sent them to Springleaf.

I have been a customer since it was American General Finance. I have paid all payments on time, never late. I took out a small loan to improve my credit score. I became disabled in 2007, still made payments on time. I tried to get another loan to pay off medical bills in collections to keep from damaging my credit and I was turned down. They offered me a 200.00 dollar loan. HOW INSULTING.

We were with HFC Financial. Never had one problem with them. Then was bought out by Springleaf in Sept 2013 and never received a "welcome package" and called to ask how much our new monthly payment would be. Rep stated it was less than it was and I started making it and was shorting myself for the next couple of months. And then started getting late notices and hit our credit from 30/60/90 days as I was making numerous payments during those 3 months. Didn't even know til we went to our credit union to purchase a truck. I explained this to our banker and she called them. Waited 2 days to talk to a manager and she finally was able to speak to her and asked for paperwork confirming the acct was up to date. She stated she could not do this and then the banker asked her for a snapshot of our acct and she stated she didn't know how to do this and hung up on a banker.

I had one loan with them and was going to open another one with them. They will not verify employment by calling your employer. Had to go around with them for two days because my pay statements did not have name of employer on them. Even sent them reports with the name of my employer but refused to work with me and refused to call employer to verify employment. Best to stay away from this company. I will never work with this company again. They are total complete rip offs especially at 33% interest rate. Thankful now I did not open a 2nd loan with them.

We took a loan through Beneficial Bank and it was sold to Springleaf. We had a payment agreement with Beneficial and our loan would be paid off by my daughter's graduation. Well my daughter has graduated and the loan not state it will be paid off in 60 years by Springleaf. I am so upset. The interest also went up to 18 percent. We were lied to by Beneficial. Don't ever take a loan through either one of these companies. I have the original papers we signed from Beneficial and I am calling my lawyer. I don't know if it will help but I have to do something. I will be dead in 60 years, this loan will not be paid off. What a scam.

We had an account with Springleaf and made all the payments on time. I sent the last payment and they voided the transaction and said we did not pay within the 30 days. They then closed the account. We called them and then sent a fax of the payment they had voided via return to BOFA online banking. We again sent the payment and they accepted it. It seems that they closed our account just because we paid the balance off. It dropped my credit score by 5 points and my Vantage credit score by 12 points.

I had applied for a loan on 4/14/14. I work a seasonal job but I get unemployment for the 6 months that I am off plus I have a widows benefits. I receive money from a government trust fund that I also receive when laid off.... My concern is that I was refused this loan though Springleaf which is very upsetting to me 'cause I have a good friend that does not work and is on disability and they were able to get a loan and was offered another one... So my main concern is how is this fair to me when I go out and work and try to make a living and then when I need a little help I get refused..

I have borrowed $4,000.00 in the past. My last payment of $168.00 was auto drafted from my acct. on the 3rd of this month (April). So me asking for a loan of $500 was surely not to be a big deal. I was informed by Mark the manager that the least amount I could borrow would be $1000.00. Fast forward, I speak to Esmeralda. She is verifying that all my information is still the same. My job which I have worked at for 27 years, yes I still work there. My pay is still the same, my child support is still the same, nothing has changed.

I have a small loan with Springleaf ($4K), in effect for 3 months now. Due to unforeseen circumstances, I have had to make my payment 1.5 - 2 weeks max, past due, never a full month behind! Yes, past due is past due; however, LIFE HAPPENS and sometimes other things have to take temporary priority. Springleaf is RUDE in trying to track down a customer for a payment. They have called EVERY one of my references looking for me as I do not have voice mail set up on my cell phone from my sister, my boyfriend, my best friend and my 19 year old daughter who is away at college, trying to manage her own life, let alone needing to worry about why someone is tracking down her Mom.

Was a previous customer of HFC and continued with Spring Leaf because they took over the company. Paid the account off, but overpaid by $153.00 according to one representative whom I spoke with to get a payoff balance. Reassured me my overages will be sent out in a check in fifteen days. Allowed the account to remain open. The following month they took a payment out of my account. When I called about it they said I owed interest on the account and if the payment had gone through we would have been even.

I cannot believe a person that is only 1 payment behind and has been a customer for a lot of years can be so forceful in trying to track a person for a payment. I was recently rediagnosed with cancer. Due to surgery and not being able to return their calls they have called all our references looking for me. I am only one month behind and they make you feel as though you are a criminal. I will never work with them again. They are only kind and care till you sign on the line. The loan isn't even for that much. Good Luck.

Had very angry situation with Springleaf. If you're reading my review and thinking of getting loan because of your situation, think twice or 100 times. DON'T GET LOAN WITH THEM. YOU Will regret. They're lying to you. They will change your dates and they will hunt you no matter what. They will come to your house which is ridiculous. No heart. DON'T DO BUSINESS WITH THEM. Trust me. Don't!!!!!

My account was previously held with Beneficial/HFC before recently changing over to Springleaf. I have been a customer with all of these institutions for over 12 years in very good standing. I have, and continue to be on the auto-pay/EZ payment program and have never missed or been late on a payment since my account was opened 12 years ago. I recently received my statement from Springleaf and it indicated I had a significant amount of available credit that I could use. I no longer received convenience from Springleaf as had always been the case before, so I called customer service to request an advance on my available credit.

They purchased my loan I had with HFC. They did not notify me of this purchase. They tried to Switch the Auto payment on my bank account. The bank and I talked and we found a local branch of this company. I authorized the bank to make the payments. I received a statement of charges for this month March. On the statement are charges for disability insurance, Life Insurance, and Involuntary Unemployment Insurance Cost. Total of 48.01$. I have not been on the website, mailed them, or walked in and signed authorization for anything. The manager stated they could not do anything to my account as they did not originate the loan. BUT he could refinance my loan through his office and then he could make changes and anything needed to service my account. But the refinance would be at 21% to 25% even though the loan I have is at 18%.

I have had no problems until now with Springleaf. I made my payments on time. They have called me at least one to two times a month and not to mention the emails to take out another loan. I have told them over and over again I do not want to take out a loan. My payment is due by today. I got a nasty phone call from Springleaf at my place of employment asking me to pay my bill now. I told her I was busy and would call back later today to make my payment. She said my payment was late which it is not. My due date is the 9th of the month and I have a grace period until the 19th. This woman must be new to the branch. I was dealing with a very nice lady named Kim. The new woman is rude and will never do business with them again. I do not owe much more to them and will be very happy when they are paid off and I will get the title back to my car.

I got a loan with the company 7/2/13 $1000. The APR was 32.09% CBR score 575. 2 months later on 9/9/13 $1000, 586, the APR was 24.99% and then refinanced on 1/20/2014, $500, 541 and the APR was 30.48%. Each time the balance was wrapped into the other amount and the final time on 1/20/2014 they did not clearly explain that when I was only getting $500 more in cash, I was going to be paying $1500 in finance charges on just that new amount. They invite you in, ask you about your life, offer you coffee and sign papers. The questions and answers are short and sweet. I personally feel there should be a 24 review process and return the next day so you have time to decide if you want to make such a long term commitment, and with such unfair financing all within 2 months of each other.

I was hoping that Springleaf would be more fair and honest than HFC was, but no way. They are just as bad as HFC was. They steal some of your Principal, even when you send extra for it. I paid off a deferred payment 4 or 5 times. I think it is 4 times, but it could be 5. They, and HFC, stole all of them; TOOK the MONEY, and give you an excuse that doesn't make a bit of sense. I have had this loan for over 5 years and they still charge more for interest than they give to principal. This loan co. is so bad I would recommend it to Obama.

I called to get a payoff thru the customer service and they told me I couldn't get the payoff that day. They could send it to me by fax or mail in a few days. So that is extra days added to my payoff which is extra interest I have to pay Money for Springleaf and I know I'm not the only customer they are doing this to a day, I'm sure. Is that legal? Seriously? Disturbed customer.

My husband and I took out a small business loan with American General years ago. We have always made regular, on time payments. American General was wonderful to work with. NOT Springleaf! Even though we make our regular payment every 30 days, someone from Springleaf knocks on our front door at 27 days and asks why they haven't heard from us lately. Now Springleaf has called my new place of employment, my in-laws and a long time friend to track me down. I do not know why there is such an urgency to stalk me when I am making regular payments. Very Angry!

We have been with Springleaf (American General) for over 10 years. Because we had our mortgage lower because of hardship, they turned around and made our due date to where we will be late every single month (we haven't had a late charge in years). I'm disabled and get my check once a month. I've begged and pleaded with these people with no prevail. I even told them I would pay the extra 15 days so it wouldn't cause us to be late. They will NOT work with us. They just don't care.

I contact Springleaf because I had prior experience with American General which was amazing. I was working with Sissi and after I had to call her back twice for additional information she told me I was approved and to come in. When I arrived at the office I was told to sign over my vehicle (this is before any loan details were discussed at all) I had not been given any information and while they were asking me to fill out loan contacts Sissi was on the phone with AAA adding them to my insurance policy. I still had not received any information about the loan, I have not signed anything, I had not even agreed to the loan; however, they were taking it upon themselves to go ahead and made changes to my AAA policy without my approval.

Leticia phoned me at Spring Leaf Finance April of 2013. She informed me that I would qualify for a 3,000.00 auto loan. She told me I had to find a car right away, one day that week even. If I didn't, she said she could not guarantee a title loan for me. I was in university classes and in the end of one online class to getting into a degree-required class that week. I was in great need of an auto. My husband passed away May of 2012, and his car was towed while in the hospital and I didn't know this until it was too much for me to pay to get it out. I had not purchased a car for over 20 years. I was called again that same early evening by Leticia to see if I found a car during the day. I told her it was going to be difficult for me to just drop everything to car hunt that quick, AND GET A CAR THAT WAS WORTH THE AMOUNT OF PAYMENTS I'D HAVE TO PAY WITH INSURANCE AND GAS, ETC.

No matter what I do, they take my entire payment for "charges". I send in my payments late sometimes and I always include the late fee, but still every penny goes to charges. Even when I send my payment in on time or early, they manage to take most or all of it. I have even caught them waiting for 17 days or more to deposit my payment so that it goes over the due date and then they take it all because they said it was late.

If you choose to take a loan from this extremely high interest rate company, be sure to tell them that you don't want insurance. When I came to their office to pick up my check, they had another check made out to Merit Insurance for a third of my loan. I didn't realize that I was buying insurance and that my original loan for $1000 was now $1350, but I only received a $1000 check. No one told me that I didn't have to purchase the insurance.

I had called the local Twin Falls branch to ask some questions. I had applied previously, some time last year, and my application was declined. I was not seeking another loan, just had some questions regarding credit scores, etc. The woman to whom I spoke, Kayla or Gayla something, answered my questions satisfactorily. The next day I received notification from Experian that I had a new hard inquiry on my credit report and it was from Springleaf Financial. I did not give Springleaf authority to pull my credit report. Why this was done, I do not know. I do know these "inquiries" can leave a mark for at least two years on my credit report and pull my score down.

I took out an auto loan with Springleaf about 9 months ago and used the car as collateral to secure the loan.. The initial amount of the loan was $5500 for a 3yr term.. Monthly payments were reasonable - about $300 per month. I made all my payments on time. Then I got a statement that said I owed them $11,000. What! How could I owe them that much when the loan had not even reached one year. I said to myself - something is fishy. So I went back and carefully reviewed the loan contract that I signed. Lo and behold, I discovered that I had been scammed. They lied to me. The initial $5500 that I thought I had borrowed had jumped to $8000. I learned that they had tacked on an additional $2500 for insurance policies that I did ask for at my expense.

My girlfriend, Jessica **, has been conned and is ultimately have her life destroyed by a local business and we are seeking public and civil investigations as well as a suit for damages against this business and its agents. I would like to share this story with you in the hopes that someone at the news room takes an interests and wants to expose these crooks for what they are doing to good LOCAL peoples' lives. I admit... this is a long story, and PLEASE bear with us and read it all. We feel that it's these details that bring to light the truth of what is happening, and why we NEED someone on our side to help put a stop to this type of crooked business and treatment to our local residents.

Charge way too much interest. I borrowed $9500 for a motorcycle. When I got papers, I owe $15,100. I had to also give my truck up too for extra collateral. They tried selling me all this extra insurance on loan. Luckily I declined all of it. If I had bought it my payments would have been $458 a month. Without it they are $300. Loan was for 4 years. I have paid on time every month. After a year and a half I started getting calls every 2 weeks. It's been 6 months now of them trying to get me to borrow against the loan. I guess to make sure I default. I got 2 years to go. I'll never borrow money from them again. The Mafia would give you a better interest rate.

I have done business with Springleaf (formerly American General) for many years. I have never been late on a payment nor missed a payment. A few years back, I got a second mortgage from them --- what a huge mistake that was! I continually get statements that say that I owe them money when I pay over the minimum payment each month! When I call, they keep saying its due to billing but I don't get that. Additionally, I am trying to refinance my first mortgage. Springleaf does not respond to repeated calls from my lender to get information. This has been going on for months. I am at my wits end and will now go to our branch and sit there until I get a response.

They will not lower the payments because balance too high. So I guess I will be in the same mess I was before. They lied. They said they will work with you. Bull crap on that. As soon as I can, I will file bankruptcy on them.

I and my partner were approved for a mortgage with this company around 7 years, they are very predatory. We fell about 3- 4 months behind and now are facing foreclose. Also the house is about 60 percent depreciated in value, and to no avail they do not want to modify the house, nor are they affiliated with the Making Home Affordable Program set by President Obama..... All I can say to future home owners with this company is be aware of their practices. You will be out of your money and your home if you do business with them. As they say...... buyer beware..... lousy company to do business with.

I have no time to repeat the extortions of Springleaf (aka American General Financial). All I ask of potential customers to do themselves a favor and run-run-run as fast as away from Springleaf Financial. I have been in court for almost 2 years even after I had successfully paid off the loan of $7,000 plus interest. Springleaf still comes up with $5,015 for me to pay. They hound me in and out of court. It was interesting to note that each time I was in court, cases filed by Springleaf take up the entire day. If you happen to have fallen a prey in Springleaf claws, please, please, keep your receipts and all records because they cook up records.

I am mixed on this company, helpful but useless if you have a Hummer kind of car. You will get a good loan but if you own a home they're not interested. I ask for E25k but its typical of PA loan companies. They use the rule book like its their whole life. My income is in place, its companies like this that hold people back from ever recovering.

Sent me a letter saying my acc was closed or there was not money in my acc for auto payment on Jan 5/14. So I called Springleaf on Tuesday. I told them the acc number again. I said I can send out a check that day. They said ok. Call my bank to get a bal on acc and they already had taken it out of my acc. There really was not a problem. So I went and got my check out of the mailbox before it went out. Not happy.

These people do everything and anything they can to charge you money. Don't know how they sleep at night.

I needed a Mortgage so I could pay my Ex $12,000.00 or lose my home. I owed approximately 8,000.00 and had a Home Equity line of credit for $18,000.00. By the time all was said and done they wrote me a Mortgage for $65,000.00. My Ex had forced me to sign off on a bankruptcy or be responsible for all the debt he had accumulated. American General/Springleaf Financial said I had to include the Home Equity LOC for the $18,000.00. I found out after the fact that that was false and misleading information. They also made the interest rate 12.99% they knew I would lose my home so I had to take it.

They called me to my work to let me know I was behind in a payment. I was confused and told them I thought my loan was due at the end of the month. They said no, the middle. So I made the payment over the phone on 12/3. I am not sure why they added 3 digits to my checking account and the payment was returned unprocessed, however nobody called to tell me about it. The reason they called my work is because I had changed my number and they couldn't reach me at my old phone, so I updated all my information with the person, but for some reason, the phone number she didn't change, but they did have my work number and updated address.

I have poor credit due to an ex-husband who basically ran my finances into the ground, so when I needed a personal loan, I thought Springleaf Financial could help me with a small personal loan. I needed a loan for $2000, which they gave me. Payments are reasonable and I have no complaints with the loan itself... But watch out for undisclosed charges. There are signs all over the office that say the borrowers are not obligated to buy any insurance services from Springleaf in order to qualify for a loan. However, when you sign the loan paperwork, the first thing they do is give you the check with your loan money, then two other checks to endorse in the office and give back to them: one for life insurance, one for some auto club. The auto club is something ridiculous like $400/year, the life insurance is something like $100 total for the life of the loan.

After a couple of days I was contacted by the office and Jennifer took care of all of this. She was very nice in telling me that she was sorry for the fast negative answer first but the underwriters looked at this in another way and they were able to lead the funds to me. Everything is done and I would like to just delete this post all together but the site wouldn't let me. But I do like to give credit to them for not giving up on my needs.

Springleaf purchased all loans formerly held by HSBC. I had the payment taken directly out of my checking account. In December the only amount owed was $61.96, but Springleaf deducted the $335.57 payment directly from my bank account in December the 15th. When I called and after two sales guys rude and unprofessional they transfer with a manager named Casey **. She started raised her voice when I request an explanation that why if I only owed $61.96 they took $335.57 and her explanation was that I sign for the EZ something, and I told her "I did not sign nothing with you because my contract was with HSBC" and she kept raising her voice specially when I told her that their mistake and malpractice cause to me a huge HARDSHIP especially in the toughest month of the year and created an OVERDRAFT from my credit card with super high interest rate because count as cash.

I received a loan from Springleaf which I thought I was grateful for due to the fact that I do not have the best credit score. My payment for Nov was late due to my paycheck being cut in half. I called the 1-800 to let them know that a payment was being mailed. They said okay and the calls would stop. Not only did they NOT stop from the local branch but the local branch in Roslyn PA called my mother, my sister and my co-worker. It is not like I was 6 months behind on the loan. They will harass you at least 5 times a day. There is no communication in that company. They are a rip off and a scam. Go someplace else if you need a loan. The company has an F rating with the BBB and they have thousands of complaints against them.

Advertise they help people with credit of 500 to 600. Was a total story. I had proof of income was on disability as they said. They took, ask for 750 and was denied. Don't waste your time with the lying people.

I took out a loan and was told that if I made three payments on time, they would bring my account back current. They did not do this. Instead they repossessed my vehicle and I had just made a payment two weeks prior.

Anyone thinking of getting a loan from SpringLeaf Financial (or even any of these type of companies) don't!! Your payment will be 90% interest and they charge insurance, so you end up getting about 5% of your payment towards the principal. And when you think you're done, you're not. Continue reading for my experience with them so far.

I have a small loan, under $1000, and it was only because of a contractor that used Springleaf to finance our water heater. I have made monthly payments religiously, but the last two were returned to me, and credited to my bank account, because the address was incorrect! I live in Georgia, and was sending payments, for the past year, to an address in GA. I called, and the kid said the address was correct. Sent payment, again, and it was returned AGAIN. Got a bill in the mail, even though I was set up for paperless billing, and sent the next payment to the address on the bill, which is in OH. Payment posted. But I'm still 2 months behind because of the returned payments.

I've always paid the loan on time for the past 30 months. The Loan will be paid in full come March 2014. The November 2013 payment was not yet paid as of December 15th due to unforeseen situation that arose. An employee took it upon herself to call my brother-in-law who was listed as an "emergency" contact on the Loan Application. I wouldn't call this an emergency situation. She called my brother-in-law at his work number and told him to get in touch with me about the November payment. Really, why would anyone discuss a personal matter with someone not associated with the loan. Is this even legal?? I was totally embarrassed, and my brother in-law was warned by his boss about receiving personal calls at his place of employment. Once the Loan is paid I would never ever due business with Springleaf again.

I had two loans through Springleaf and became disabled. I had never missed a payment and now they insist that I missed one payment that the insurance won't pay. They refuse to give me a printout showing where I missed the payment on the note. I have tried to contact their main office and it seems impossible. How does one deal with this.

My account has been paid in full for over two months. I paid years in advance and had never been late on a payment. The monthly payment was deducted directly from my bank account. Two months after my account was paid in full and closed, Springleaf deducted a $138.00 payment directly from my bank account. I called them and asked why my money was taken. Woman apologized and said it was a mistake and the money would be returned to me promptly. 11 days, 2 more phone calls, 4 emails and my $ still has not been returned. Per Springleaf, they will review my request (to return my $) and get back to me in a few days. I feel helpless.

Their whole advertisement is a scam. I applied for a small loan in which I wanted to pay off the last 900 dollars of my loan and use my car as collateral. The representative was so smooth and helpful and told me that there wouldn't be an issue in getting this loan through. I was upfront and explained all the derogatory credit marks was due to the fact that my husband can no longer work, his care is expensive and waiting for SSI to be approved has been a nightmare. 3 days later, I called and to much surprised, I was told that I had derogatory credit and they couldn't do the loan... WHAT!!!! Isn't that what you specialize in, helping people like me get loans? His response doesn't deserve a response by me. They were so unprofessional!

The website says unsecured loans up to 25,000.00. What a joke... With a credit score of 820, they wouldn't even do more than 5,000.00 unsecured. Very misleading and falsely advertised.

Scam Artists, Incompetent human beings on the face of this earth that have no moral values for anyone else's property. They have the nerve to lie to my face about how much they're charging me per month. For anyone who needs a loan, Don't Go to Springleaf EVER.

Springleaf purchased all loans formerly held by HSBC which also owned Beneficial. In July of 2007, we needed a small loan to move my elderly mother and mentally challenged brother near us so we could take care of them. We had received a solicitation from Beneficial for an unsecured loan. We had filed bankruptcy in 2005 so it was hard to get a loan anywhere else. We only wanted $1000 to $2000. We knew this would be enough to get them moved. After answering the Beneficial advertisement and going into the office to discuss getting this small loan, the loan officer said, "You can get a lot more than this."

My First experience was good the first time, so they send me a letter to see if I wanted another loan so, I filled out the information and emailed all my documentation to the store. I called the next day to see how everything was going and the sale guy was just rude and unprofessional. I told them no thank you; there are too many businesses, that I do not have to go with them. This sales guy had bad customer relation skill. The company needs to send him to class on how to have manner and learn how to talk right to customers. Customers can make or break your business.

We currently have a loan with this company. We have made our payments on time without fail. We received a phone call asking us if we wanted to add to our loan for the holidays. Amber said we could add $600-$800 to the loan. We proceeded to pay a bill knowing we had the money coming. She lied and now we are out $600 for the month. When I called and spoke with a manager she totally blew me off. She acted as if Amber did nothing wrong. I asked her if it was there practice to screw people?? They also had promised we would be able to skip two payments, again a lie. Watch out....please no matter how much you need a loan don't go here. They are rude, lying people and they will screw you. I hope this helps!

I borrow money from Springleaf and a month later, I was trying to purchase a home. Well, I asked them to write a letter to confirm the amount owed for my loan. They said they can't write no letter and if the bank needed information, they needed to request it. I told them that I am the customer and if I needed something on my account, it should be given to me. Also, they said they would not report the amount borrowed which is what my bank asked for... They reported the loan with all the ridiculous finance charges.

I don't recommend doing business with them. My experience with Brie and Courtney... well, it was comical at best. Enter the two stooges--Brie and Courtney. Brie (manager) forgot to schedule the auto deduction for last months (October payment), so when I noticed it failed to go through at my bank I called and spoke with Brie on the 15th of October. I think in order to cover her absence of mind, she then attempted a refinance with cash out, which I declined. But in the meantime I traded in the car for a new Toyota Corolla and Toyota Finance called Springleaf for the payoff on October 21. They spoke with Brie's crack assistant, Courtney, who managed to tell the finance office the exact amount of payoff for Toyota to make the check out. By law Toyota has around 2 weeks to pay it off, which they put in escrow and it's paying off as I type this. Now this is where it gets really comical. Brie, who managed to finally correctly schedule the direct pay from my checking account, well she had absence of mind again, she forgot to cancel it. LOL. She failed to cancel the direct pay after she was informed by Courtney, her co-worker, the loan was being paid off by Toyota. IT'S LIKE DEALING WITH PEOPLE THAT HAVE A BRAIN-CLOUD.

I am so grateful to the people here who have warned me about this business. I'd had some credit challenges and was looking for a high risk lender. Fortunately bad credit is not synonymous with stupidity. I researched every company I received information from. The people here helped me from making a horrible mistake. Thank you and I wish you the best in getting this company out of your life.

About a year ago I went to Springleaf to borrow some money. First thing they did was state I still owe some money on a F150 Ford pickup truck. I have never owe a Ford truck. Got that straight and then after I got my loan my family fail onto harder times and I miss some payments. Being an OTR truck driver they call me, which I cannot answer while I'm driving. They then somehow got my phone list from my phone and started calling everyone on my phone list (approx 65 people) even my mother-in-law. My question is how? I contacted the phone company and they said they do not give that type of info out. I can only speculate that they have someone at their company that has access from the inside. I'm going to pay them off as quick as possible. How does the government allow stuff like this. I have been thinking of starting a blog just so people can be aware.

6 years ago I borrowed $6,000 for hearing aids that have never worked. I have made my monthly payment every month on time but my balance is increasing. I get the runaround when I call, have never received an explanation, treat me like garbage. I wish someone would just vaporize this scumbag of a company.

My wife and I recently applied for a small loan ($400.00) and after 20-30 minutes they had not called back to say one way or the other if we got the loan... We called them and with a very condescending attitude, we’re questioned about some other GE Capital account which we do not own anyway... After I said that was not our debt, they only said they would call back! After about an hour, I called them and said, "We no longer want your loan and please remove our phone number and address from your system!”

This company purchased our loan from a previous loan company who we never had any issues with. We have never been late. We received a threatening call stating we owe them a dollar. They called at 9 am on a Sunday morning. Needless to say I can get down with the best of them verbally. This company is the worst I have ever seen. I understand people have jobs to do, but they shouldn't be allowed to harass people in the manner in which they do! But don't worry karma is something else. I truly believe they will be the next financial institution to go under. That's when I will have the last laugh!

I did not choose to do business with Springleaf. They bought my account from another company. My last payment to the other institution never was credited to my account and it became my job to research what happened and prove that I had made it. I would get answers like, "We are a bit overwhelmed with all the new accounts." Here is an idea, if you cannot handle the increased volume of customers don't go buy other banks accounts. My advice is that you unwillingly end up doing business with Springleaf, like I did, do everything you can to close that account as quickly as possible.

Customer service is horrible. Their so called professionals are rude and give you horrible advice. They'll lead you to believe you're doing one thing while they are doing something completely different such as deferring a payment when in all actuality they're refinancing your loan putting you on the hook for outrageous sums of money. I borrowed around (less than) $2,700 from them. When it's all done and said I'll have been misled and conned to the tune of almost $9,000. They'll strong-arm you. They'll degrade and berate you. They'll use the average person's lack of familiarity with the financing business to take advantage of you. They know the laws and loopholes and will skirt them and get away with it. They will ruin your life if they have the opportunity. They have no moral or ethical compass and they are not concerned one bit about helping you out.

In 2011, I refinanced my home through Springleaf Financial. Everything was good, until I went to sign the closing papers. I found out the interest rate as 12.9% and I had $3000 in points which is all you pay as interest until that $3000 is paid for. And I also found out that I was required to keep an open line of credit on the mortgage for 5 years. That I didn't think anything of, until I started checking my credit. About a year later, I tried to refinance my my home and my credit score went from 705 the past year to 580, the lowest it has ever been. The open line of credit I was made to take was making me look almost as if I had a $56000 credit card that was maxed out.

I didn't get to finish with Springleaf. They doubled what I owed them on my loan and equalling $1500 almost if I wanted my car back. She even asked me, "Can you borrow the money?" I replied, "If I could borrow $1500, I would have paid the payments of $81.00." This happened on Sunday, August 4, 2013. I was delivered a letter August 9, 2013 saying my property will be sold on August 17, 2013. NEVER DEAL WITH SPRINGLEAF FINANCIAL even if you're eating dirt because they don't have the best interest at heart for customers.

I got a title loan from Springleaf. Paid the loan off. Title was returned. I took second loan out with insurance that if I'm out of work. My payments were $81.00 a month. I missed June but called the office on June 18th, 2013 telling them that I was out of work. The lady I talked to said, "Okay if you can bring a payment, just drop it off but you're fine." I didnt have any money but I wasn't worried because I had THAT INSURANCE. In July I still didnt have a job but I was to return to work on August 15th. On Sunday, August 4, 2013, I get a call from my FRIEND'S neighbor that they repo'd my car over $240.00.

I got a loan from Springleaf Financial a year ago. After 6 months, they call me saying, "Would you like some extra cash?" So I said sure. They ran credit. Nothing has changed. They called me. They say, "Sorry, we cannot help you." So on Friday 12th of 2013, 1 year and 3 months later, I ask if I can get a thousand added to my original loan. They said, "Sure, we will run. iIs everything still the same?" Yes it is. Nothing has changed. They call my work to verfy employment. I get a phone call saying, "We are sorry. We cannot do your loan." I asked why, they could not tell me why. Now I've been paying on this loan now for a 1 year 4 months, never been late, always paid more than the normal payment. I think they need a quota and they use their denials as loans. They are crooks and for the past 6 months, I get phone calls and letters saying, "If you need extra cash, please call us." Then when you do, they run your credit, they call your employers and they waste your time. As soon as this is paid off, I will never go through them or recommend them to anyone.

Tried to get a personal debt consolidation loan from Prosper.com but they were unable to pre-approve me. So they referred me to one of their 'trusted' affiliates, Springleaf Financial. I filled out some personal info online to get additional details on the loan. Then received a call from a loan officer (whose name I won't name) from the Pasadena, CA office. She was attitude city right off the bat. Made me feel horrible for even applying for this loan. When I would ask about the details of the loan, she would talk over me to shut off any questions on my part and make me feel like I shouldn't be asking any questions. If this is how I'm treated even before I sign up for anything with this company, I wonder how I would be treated once I'm locked into a loan with them.

Need a loan badly, why not sell blood or plasma? Better yet, why not go pawn some jewelry or furniture? Better yet, why not get a loan from the real loan sharks? They will give you better rates and terms.

I had many run-ins with them. They told me that they would reduce my interest payment on my loan once I found my car title. Nothing happened. The worst thing is calling my reference people after only being late for 2 weeks. How embarrassing for me. What kind of etiquette is that. This has to stop. Follow it with a letter, not calling my friends after it being late 2 weeks.

Had a loan from Springleaf with my car as collateral. Ran into severe financial difficulties and fell behind on my payments. Springleaf became very difficult to work with. They wanted at least a minimal payment but gave me only two days to come up with it. I simply didn't have the money. Refused to accept any payment whatsoever. Refused to sit down with me and try to work out some payment plan or refinance the loan. Refused to give any reasonable grace period to get my finances in order. Gave me very short notice before possessing my car. Told me I needed to pay off the entire loan if I want my car back but gave me only about one week to come up with all that money. Were merciless, lacking in any sort of compassion or understanding, treated me like a criminal, like I fell behind on purpose. Were rude and mean-spirited.

Springleaf Financial is a scam. They send you pre-approved letters, and when you call them, you get all your information and then they turn around and deny you. When I went to another financial company, I was approved for more than what they offered me. Springleaf Financial is more than a scam and a bunch of liars.

AIG was great when they were local to us and then they moved to NJ. When they were down the street, we paid on time but when they moved it became hard to get payment to them as we had previously done. I used to just drive over and pay the bill. When they moved, it seemed nobody was home when I called and the address they gave me may have been no good because my checks and statements came back to me unopened. Well, I guess they changed their name or whatever but they ended up threatening and harassing us until we agreed to pay it off and we both agreed to about $3000 less than due.

So I took out a loan with Springleaf in April 2013. And as told, my first payment was due in May. So I said that was okay. Well, I fell on hard times and tried calling them, but I didn't get an answer. Then they started calling me and harassing my referrals about trying to contact me and all. So I talked to them again and was finally able to speak to someone and inform that person that I needed to make other payment arrangements because of my situation. She decides to raise her voice at me and tell me that I apparently have no intention in paying even though I just explained what was going on.

I applied for their services online and NOWHERE on their website did it say we calculate a student loan payment that you are NOT even paying on as a payment you pay out each month! The reps calculated me paying damn near $500.00 toward my student loans. But I am NOT paying $500.00 toward my student loan just because they feel when the deferment period is up, their payment MAY interfere with my student loan. I wanted a loan to pay off my credit cards, which totaled only $1,500.00, which would make my payback amount with Springleaf $75.00 a month. Also not stated on their website is they require you to have remaining in your budget $250.00 per dependent you have in your household! Idiots. If I had that left over each month, trust me I WOULD NOT need your service!

I have been with Springleaf Financial Services for over five years. We refinanced our home under American General Finance. It is amazing that we just found out that if you have a late fee, the company is taking the late fee on top of your next payment. This makes your next payment not be a full payment. I have pulled out my contract because the manager rudely stated, "This is in your contract which was signed under American General." It does state a 5% late fee. There is nothing in this contract about late fees being taken off top. I actually heard the agent laughing as if something was funny. I am going to get this loan paid. I will never deal with the company again. Consumers, beware of late fees that are taken off on top of your next payment. It seems like they want you to fail. I have never experienced such an underhanded company that does not disclose important information. Please do not get entangled with this company.

So, I heard today that Springleaf Financial has hit hard times, and has closed several branch locations throughout the U.S. Good riddance! This company preys on people who have low income and are struggling with their credit. I purchased a new car in 2009 and thank God, I paid it off after three years. If I was late on my payment just by a day, I would receive harassing phone calls and letters. Well, today, I called the branch to inform them that I had not received my refund check from them. The lady was so nasty on the phone and yelled, "We all just lost our jobs here and I'm the only one in the office!" Perhaps this is why this company is going through such turmoil. The owners and staff are rude and do not care about the customers. Predatory lending has got to stop in this country. So long, Springleaf, or American General (whatever your name is)! Try renaming the company again and working under ethical practices.

American General was reportedly affiliated with AIG, an affiliation American General got away from, in part, by changing its name to Springleaf Financial. However, it did the company no good, in my opinion, since so many people who have had dealings with both American General and Springleaf Financial have been on the receiving end of terrible experiences. Some were complaining of exorbitant interest rates and hardly any of their monthly payments go into principal and 5-year loans taking much longer to pay off, as an example. In my case, I had no idea that my interest rate had been inflated several percentage points until I happened to take a closer look at my loan documents. There are so many papers to sign when getting a loan. How many people really read all of the fine print and every single detail with the copious wording contained in these documents?

I applied for a loan on March 29, 2013. My first payment was due on May 10, 2013. So on April 26, 2013, I went in to pay it off and they said I owed an additional $624.24. So I asked why because she told me I would not have any penalties for paying loan off early. She (Deb) said it is a fee charge and insurance. I told her I didn't get the insurance. Sure enough after reviewing my loan, it was on there. So I asked her to take the insurance amount off and she said she couldn't and that the corporate would do it so I had to fill out a paper saying I wanted payment back to me for the insurance that I did not get. I did receive a check in the mail for the $260 on Saturday.

They charge huge interest rates and are not upfront about their requirements for a loan. I received a pre-approval letter and contacted the company. I told them my needs and my guidelines which were agreed to. They changed the terms at the last minute so I decided not to take the loan. They then contacted me a month later and said they could now meet my guidelines. I said I was interested and sent the required documentation. I was approved and at the last minute, they again added new requirements that were not disclosed to me upfront. Because of this, I decided against the loan for a second time. They also ran another credit report without asking my permission or telling me they were going to do it. They do not tell you all the information that a consumer needs before moving forward with a possible loan. Stay away from this company.

Deceiving should be their middle name! Be careful; they are not clear in presenting their insurance policy. Make sure you ask many questions regarding this policy. It’s taken right of the top of the loan and whatever you borrow it’s added to the amount. They did this to us twice the second time; we redid our load because we needed to remove one of our collaterals. They underhandedly gave us insurance when we stressed over and over we were not interested the second time. Even when signing, we asked and read there was no insurance; and later to our amazement it was there again. After being treated disrespectfully and seeing what they did again, we paid it off. The interest we paid was a little over two thousand in just four months! Be careful! Ask many questions, know what you’re signing, read; and when signing, reread it again. Look at the insurance policy closely! It’s just a moneymaker; you don't need it.

My mother informed me she went to pay her bill at Springleaf at the Louisa, VA location and dealt with an Ashley. She stated that Ashley was very rude and threw change at her. I have contacted Springleaf in Louisa, VA office and spoke with Ashley and Monica on several occasions and each time, they are very rude, short and left me on hold for more than 3 minutes, not getting back to me to say that they would get right back with me. So I took it upon myself to call the district manager and spoke with Dana **, who was very short with me as well. I felt that she defended the behavior of her employees. I informed Ms. Dana ** that I'm trying to figure out why every time I call that Ashley and Monica are rude. I was trying to rule out having a bad day or discrimination.

I worked at Springleaf for several years and my experience there was horrible. This is nowhere I would recommend anyone to work! I was lied on and harassed the whole time I was employed there. If I knew then what I know now...I would have sued for harassment and discrimination, being that at the time I was the only ** in the office. By the grace of God he blessed me with another job and I was able to get out of there! I would never work for that company again!

Because I paid off my loan two years before my term, they made me wait 21 days before I receive my car title. I will never use this company ever again.

I got the loan on December 2012 to pay off all of my credit cards and start the New Year fresh. And I’ll pay off the loan with my tax-return which I did. I called over the phone for my total payoff statement. As I was talking to a representative on the phone, he told me how come I want to pay off my loan? I said “because I want to.” He shouldn't be questioning me why in the first place. He said that my credit score will go down. I went the next day! To do so, and the balance went up $60.00 more. I was trying to get an explanation in why he couldn't even do that. So I said “Fine, I don’t want to deal with you guys anymore.”

I had a loan from this company and was charged such high interest that I decided to pay it off. They were holding a title to my truck for the loan as a secure deposit. I called and got a payoff amount, and as soon as I got off the phone, I paid it off online. I waited two and a half weeks and no title. I checked my credit report and the loan still says active with full balance due, so I called them. I got some guy on the phone who had no communication skills. He told me I had to wait another week or so because I did not pay in cash. I paid with a check and it went through the next day, but that did not matter - I still don’t have the title for my truck either. This guy was rude and a freakin jerk. I would advise never to do business with this company.

Back in June of 2012, my elderly mom went into the office and spoke with a staff member to get help in paying her property taxes before it goes into sale. The loan would be approved and her payments on the mortgage would then go up. This was fine with her and she was happy knowing she would not be losing her land. They have not yet sent her any kind of statement saying the loan was approved. I contacted the office 4 weeks ago on 1/15/2013. I finally spoke with someone in the office that told me the check was to be cut and sent directly to the tax office. Although they made it very clear, she has to start making her payment for the loan, of which is to be attached to her mortgage payment that is due in February. When she went to make her mortgage payment along with the tax loan payment, they did not accept it because they lied and to this day, 2/13/2013, her taxes are not paid.

I took out a loan on 1/29/2013 but couldn't make it to the bank until 2/9/2013 to deposit the check. Since they use Bank of America and I was depositing into a BoA account, it should be easy, right? Except that my branch goes to verify funds and will not honor the check due to insufficient funds in their account. They must be a really shady company when they can't cover a $3,000 check. Now, I bet I will have to fight paying interest on my loan that I can't even get the money on.

I went to apply for a loan and they turned me down, so I asked my mother to go there to the branch in Roxboro, NC. She stated to me by phone that when she entered that the manager ** told her that it’s not good for her to get the loan for me, because looking at my credit report that it showed I was late on a few payments and that I paid out my account with my lender, that she felt it's not good for her to apply for the loan. This is considered as breaking the privacy act. I feel she let my information out and that something should be done. I’m truly hurt to know that a manager would release such information about my credit report to someone. I called there and explained what happened to Lisa and she stated, “Sorry, I was at lunch and don't know what happened.” I also got a phone call from someone up there who was very rude on a private number and they hung up when I asked for information about filing a complaint.

I paid the agreed settlement offer. The rep promised to remove it from the credit report and now is reporting it as charged off. Michelle from Customer Relations was nasty and rude and hung the phone up on me and made it personal and said that since I knew about loan, she would not remove it. They came to my house during the time my father had died, twice. Michelle made it personal.

I was taken to court for non-payment of $1,754.00 balance on my credit report. It clearly shows I made a payment in December 2010 of double payments, but it was not subtracted from my account. It shows I was taken to court for a wrong amount. Also, the reason I stopped making payments was they were discussing my loan business with my daughter which was not on loan. Therefore, they broke the privacy law. I made all payments on my loan till they were breaking the privacy law.

In 2006, I applied for two loans with American General who now is Springleaf. I submitted three disputes on all three bureaus (Eq, Tr, Ex) to be removed based on (7) seven years - they refuse to remove as of today's last dispute that I received stating that the accounts belong to me. These accounts are now being reported as fraud.

I sent my payments to the payment center as addressed on my statement dated 4th of Dec. It was not posted until the 11th and now though no fault of mine, they want $28.61 late fee. I called the office in Cleveland, TN and they basically said I need to send them my payment. I’m still trying to find someone to help me out with this because it's screwy somehow and I’m perturbed over the late fees. Why should I pay late fees just because they fail to post the payments when they get them? I’m sure even with mail so messed up it didn’t take a week to get from Tennessee to Ohio. Bottom line is I'm still out $28.61 because they can screw us over. Surely, there is something that can be done, someone I can talk to. I’ve always heard everyone has a boss and theirs I would love to talk to. There must be a legal way to get satisfaction.

I called Todd ** in Rock Hill, SC Springleaf and asked what interest rate would be on $3000. Todd said the rate would be no higher than 25%. I called my husband to go by, sign the papers and pick up the check. When my husband came home, Todd had changed the interest rate to 35%. Thank you.

This is the type of company that assumes that all customers are going to default. I have dealt with personal loans from various companies, Beneficial and American General, but have never experienced the ineptness that Springleaf offers. The local Indio, CA office had begun the process for me to question their lack of customer service. I applied for additional money on an existing loan and was questioned for about 30 minutes about income, past unemployment and money in the bank. Now, keep in mind that this account had no late payments at the time or to the present. I made a comment to the person at that time that I was offered a loan with CitiFinancial with only a few questions and nothing like what I was experiencing.

I recently applied for a loan in one of their offices and was told that they would get back to me the same day (Friday) - no one called. Monday came and there was still no call. I called them on Tuesday and was told again that they would call me back. Three hours later I received a call and was told that if they loaned me money, I would not have any left over (huh!). I asked Debbie to explain to me what she was talking about. She said, "Well, if we pay these bills off for you, because of your DTR and light bill, (we did not discuss anything about household bills other than rent), you don't have anything left over." Over for what ?

Don't borrow money from Springleaf Financial. They manipulated me into a high-interest loan before the recession. They tried to repo my $30,000.00 car for a $3,000.00 loan. They wouldn't work with me, debt consolidators, and they won't work with you either. Being broke is better than borrowing their money. Trust me now. Thank me later.

This morning, my car got towed because I am two months behind on my payments. I have had a few late payments in the past but the interest is killing me trying to catch up. But then, more financial stuff came up and now I'm behind two months. I got a hold of Spring Leaf right when it happened. I explained why and if I could bring in the money. He said he would get a hold of corporate and see if they will allow me to make the payments up or if I have to pay in full. I told him I will get all the money and he was very nice about it. The thing is I have the money and I am still waiting. I told him I would need my car back for work and I am still waiting. I have been calling every half hour and still nothing. I don't understand if I am able to get the money, why haven't they accepted it yet?

After taking their payment directly from our bank every month for over a year, a problem with my direct deposit caused my roommate's check to be returned (never had happened before) so I gave them a check for a two-month payment from my account and they refused to accept it. They started lying, saying my account was closed, then, they don't take checks to replace another check (this is my account, I've never given any checks to them before). Next thing we know, while being in Telemetry for a heart problem, my roommate is being served in the hospital in front of everyone right before her stress test! What do you think of these wonderful women with too much power and no hearts?

Springleaf Financial will not try to work with you. I have them as a lienholder to my car. I was late 2 payments which is about $600 past due balance. I'd lost my second job about 6 months ago and was behind about 2 car payments. Last week, I called Springleaf Financial and asked if I could pay half of the past due balance this month and the rest in the beginning of next month. And they said no, they want the full past due balance since they are in the middle of processing a repossession for my car. So I paid $500 last week and was only $100 short. They cannot waive that $100 for the next month payment and it was only 1 more week.

I applied over the phone with all my info and all my credentials. Then, I got a phone call that I was approved. They asked me to go to their office. Then as I give them all my info in person, that’s when it went downhill. They came back to tell me that they thought I made more and that they couldn't approve me based on the info I had given them. That was all a lie because on the phone, I specifically mentioned how often I was paid and how much. They wanted me to consolidate more of my debt in order for them to qualify me for a loan. I was not looking to consolidate all my debt. I was just trying to get a loan to consolidate several loans only. I will never do business with them or anyone affiliated with them.

I applied for a loan that I was pre-approved for. Two loan agents gave them all my information, even a copy of LES, and was told that I couldn't get the amount I applied for but a little less, which was OK. They told me to come in and fill out the loan process. I filled out every paper they had and and completed every document I needed to sign before I receive the check. After giving a copy of my driver's license, another person came in and said receiving your take home monthly, we are unable to give the loan. I was so surprised because everything went great until Barbara came in and and said what she said. I left work expecting to pick up a check and when I got there, I didn't qualify. I qualified on the phone but not in person. I could take this two ways and neither is good, so please address my issues.

Springleaf Financial Services (aka American General) operates poorly. I don't make too many mistakes, but this was a doozer! The management, from ** and ** to **, went from bad to worse and the staff is rude. I was originally told my payment was lowered $200 a month, only to find a huge bill 5 months later threatening me to pay or lose the house. They never did what they said they would and finally extended the amount to the end of my loan after the horrible scare. When I tried to apply for home modifications and/or pay off my loan at a lower amount, which was still $20,000 more than the fair market value, the manager asked me why she would want to do anything for one of her best paying customers!

I paid my account off (late fees included), only to receive a statement with yet another $9.99 late fee charge. This fee was charged after I paid my account in full. I spoke with Andrea from the Nashville Thompson, LN branch and she refused to remove it. Shady business practices indeed.

Don't do it! Do not use this company for your finance needs. I wish I had read the reviews first. I recently purchased a home and wanted to install a central air unit. I used Springleaf for this purpose. The 1st time I was late about 6 days on my account, they started calling. Not only do they call, they call non-stop all day while at work. I have never missed a payment and do not intend to. Protecting my credit is important to me. However, the company must have forgotten that some people pay their bills at certain times of the month. The way they call for collections, one would think the company is financially unstable themselves. I am currently 20 days late on my account but wasn't worried because I knew when I would pay the bill.

I recently purchased a new home and wanted to install a central air unit. I was referred to Springleaf Financial, formerly American General for financing. I am in the process of rebuilding my credit so I understand that the cost for financing this unit would be expensive. The company was able to get me financed. I've been a customer for about 5 months. Each month that I am at least 5 days late, they start calling. They call so much and leave so many messages throughout the day that sometimes my voicemail is full. I know when my payments are due, I have never been over 30 days late or missed a payment. I am concerned about protecting my credit therefore I make sure my payment is made each month.

The Summerville, SC store has got to be the worst company ever to try and borrow money from. They are very nice in the beginning to get you to sign with them. Very quickly you realize what a hassle it is to even make payments with them. You can only take your payment into the store or set up a check auto draft which can take up to 5 days to clear your account. They will harass the fool out of you by making non-stop calls and refuse to say who they are with when they call. They only leave their name not their company name. For weeks, a Rob was calling my mother's home and never saying who they were so we never called them back. The manager of the store had me email her info one time, and never bothered to respond to me or put anything in writing, as if they had something to hide!

Recently, I fell behind on my car loan. I contacted Meg at Springleaf to see what we can do. She explained that if I paid $773.00 by the end of September, we could defer the following month’s payment. I have to save, but managed to get her the amount owed. Today is October 8th and someone from Springleaf has called my phone everyday since the first looking for payment. I called to speak with Meg and Ericka said she was out but I could talk to her. I told her I would much rather speak with Meg, but explained to her anyway about the deferment.

Hickory office - Don't ever try to get a loan with these people. They will not try to work with you for anything! They don't care if you have small children. I believe they should be more thorough with paperwork instead of on a say-so basis. They will do anything they can to lie to you about getting a loan with them. God said that there are false prophets everywhere and I strongly believe this company is a false profit. Check all credentials before attempting anything. I personally feel that if I see Brad or whoever he is, that I have a bullet waiting with his name on it. This is a freedom of speech, by the way. If they can do what they want to, well then so can I.

I have been, for the past two (2) years, writing to **, branch manager, 81 Mall Road, Suite 1, Somerset, KY 42501, asking that the unending stream of junk mail stop forthwith. It has not stopped, despite repeated requests that they remove me from their database. I do not wish to take out a loan with Springleaf or any other company. I am fortunate to be debt-free and choose to stay that way. When one takes the time to write and very explicitly request removal from their database, that request should be complied with.

You know you already hate to call about a loan but when the person you speak to named Kathy in Bessemer, Alabama has a smart mouth; it makes you more angry. Learn how to talk to people. That's your job. If you can't do that, then find another job. But just because people fall short on cash, that doesn't give you the right to talk to people in a nasty tone.

I received a preapproval in the mail and replied to it. They told me there was no problem; I just needed to get W2 form. So, I faxed it. Then they decided they needed last 2 years' tax returns and W2 forms. So, I sent it to them. I have more than sufficient income for the bills I have. My debt to income is around 22%. After all this runaround and requirements, they said that for the $9500 loan, they needed collateral that was worth more than the loan amount. **, I didn't get preapproval for a car loan. I got preapproval for unsecured loan. I bring home $9,000-$10,000 a month and they want me to secure the damn loan even with all this documentation. I did not have to have all this documentation to get my 1% car loan, or my 8% loan for a trailer for my business that cost $98,000. So anyone that reads this, do not go to Springleaf. They are a scam. They make you jump through hoops just to do a secured loan. Just go to a local bank. Springleaf is a scam.

I have had a loan officer threaten my wife. He came to our house, which is posted “no trespass”. Our son is a cop and he said it’s illegal. This guy has called my wife’s work so much that he got her in trouble. And we do get behind, but we have had several loans and always have paid. I am unable to work now; I was injured on job and lost the use of one arm. We had to stop in Wheelersburg yesterday, so she could make a payment on the way to the doctor. They would not take my ATM card for payment. My wife explained we did not have enough cash in hand for the full payment, so she made in trust pay, and he ran out into the lot and threatened her again. That’s just wrong. We need a lawyer.

I was laid off last August and my unemployment insurance kicked in and made my payments. My employer fought my unemployment, won and the insurance stopped. I was able to make payments, then my husband was laid off. We had no income and Springleaf did not care. I advised them my unemployment was being appealed and I suggested refinancing to lower the payments and they told me I cannot do it because the insurance will not pay the payments if unemployment gets approved.

I recently redid my loan with Springleaf. At the time, I owed $300 and I wanted to borrow $500 more. When we were doing the paperwork, someone said "You will have roadside assistance." When we did the paperwork and the girl told me what each paper I was signing, nothing was said that I was signing up for a motor club. After I got a statement in the mail and saw what the payoff was if I paid 30 months, I thought it was quite high for an $877 loan. The person I was talking to still said nothing to indicate the loan was more than what I thought.

I had recently purchased a bed from PM Sleep Center whose finance company is Springleaf Financial. Since I decided to finance my bed, I had to go through Springleaf Financial. When I went through the paperwork with the PM Sleep Center associate, I was told that I qualified for 12 months interest free; and that this interest free would start from the date that I received the first billing statement. When I received my first billing statement, it said that the 12-month interest free had started on 7/9/12 (the date of purchase), not the day the bill was due which was 9/8/12. When I called Springleaf, they were not helpful with my questions at all. The man at Springleaf told me that there was a miscommunication upon the date the 12 months started, but there was nothing he would do. So instead of getting 12 months interest free, I only got 10 months interest free. They did not keep their contracted agreement of the 12 months interest free. Springleaf told me that they would not fix it and that I had until the date on the billing statement, until my interest free period will be over, and that I only had the 10 months, not the 12 that was promised.

I am very angry with Springleaf Financial Services. I received an offer in the mail to apply for a loan. I am working to repair my credit so I decided to inquire about the offer. So, I went on Springleaf's website to see what/who they were affiliated with. I had a previous loan about 10 years ago through American Finance which is now Springleaf. I had no problems with them before so I decided to go ahead and apply for a loan. No sooner than I filled out the application, I received a call from ** the branch manager in Winchester, VA. I explained to him via the phone that I received the offer via mail and I decided to apply. I was working on building my credit. He said okay, no problem. I gave him some more of my information per his request.

I have been dealing with Springleaf/American General for a long time. My experience was great until my family and I recently fell on hard times due to my getting laid off from work. We have struggled to pay everything including Springleaf. We do not always pay on time, but we always pay. In June of 2012, we were late with our June bill, due on the 1st of each month. Springleaf repeatedly calls my house and hangs up before leaving a message, sometimes 10-15 times a day. They also call my wife at work. She talked with a rep, told them we were struggling and we would pay when we could, and asked the rep not to call her at work anymore.

In March, we sent a letter to them asking them to stop calling and to send any further contact by mail. Since that time, they have sent people to my home. They have not stopped calling and told my husband they didn't care that we sent a letter and even after speaking with a supervisor who assured him that they would no longer call, the next day they called. Also in the letter, I acknowledged that we owe them money and would be making payments as to as much as we could afford. Last month, I was able to catch up and have since sent a payment through my bank Bill Pay which was not the full amount but I am trying. I thought once you sent a letter to a company, they were to honor your request. I have sent to other companies and they have stopped calling. Please stop this harassment. Thanks.

I applied for a personal loan. My husband and I have a very good stance on our credit and lenders we have ever dealt with. I was told that we were denied the loan or any loan for that matter because my DTI (debt to income) ratio was 74%! When it is not 74%, my DTI is actually around 23%. I know this because I spoke with a loan officer for mortgage loans and he talked me through the process of calculating my DTI and I came to see it is not 74%. I have a feeling the representative added information that was not true or they assumed that every credit card I have must have a balance on it, instead of asking me my real monthly payments on my credit cards. Either way, they denied me a loan that I really need because of a false calculation.

At approximately 7:15 pm, a representative from your establishment, located at 5900 Rivers Avenue, Charleston, SC 29406-6097, named ** came to my home and rang the doorbell once, then immediately began to beat on the glass window of the door. Yesterday (7-30-2012) I was released from the hospital and got out of my bed to see who was the cause of all this commotion. When I opened the door, ** immediately began to look confrontational, which instantly aggravated the symptoms I had just left out of the hospital for the day prior. She began to demand that I write her a check for the amount of $156 for the month of July. Despite my attempts at calmly explaining to her that I had already made arrangements with another employee to make the payment, she still demanded that I write her a check immediately.

I am a few payments behind on my vehicle secured loan and have discussed this with the Springleaf reps. I am attempting to get all payments up to date and should be able to do so in the next few weeks or so (due to unexpected financial hardships). Rep. named Chris has showed up at my residence twice to remind me of payments as well as serve notice via sheriff dept. on two occasions. I contacted their office after first visit by Chris and asked them not to come to my place of residence. The rep. said, "We will see you in court" and then hung up on me.

You hired a cleaning company to clean out a property that the Cress family foreclosed on. When your people got to the property, they also cleaned out my garage. My garage isn't part of the property. I want my things back, but I was told they were gotten rid off. I was nice and sent your company a letter hoping we could settle this without my lawyer, but your company made a joke of the whole thing. I gave your company until July 15, 2012. Today is July 22, 2012, I will be contacting my lawyer today. Please have your lawyer call me ASAP. Thank you for your time with this matter.

They use shady practices even against other companies. We are a financial company who had a lien on a vehicle, continuous lien without interruption. Then a manager, who signed his real name at one of the offices, took our lien off and placed his own. The client of both of us has worked in great detail. When I called Spring Leaf, they told me there is nothing they can do, but admitted they have a gentleman by that name who is the manager. How can they do this? We do not know, but have filed complaints with 5 agencies and will continue to file them until they fix this, a disgrace to the financial businesses that do what they should and follow the law. Keep in mind, what I’m saying is they fraudulently (illegally) signed off our lien. They broke the law.

I made an online complaint on ConsumerAffairs.com and Springleaf called me and satisfactorily resolved the complaint. I want to withdraw the complaint, but it appears the only way is to file a new comment.

I have a letter from a collection agency, Convergent Outsourcing, claiming I owe a debt to Springleaf Financial. I don't. I have never dealt with them or their predecessor, American General Finance. They are scammers hoping mention of a collection agency will trigger prompt payment, even if no debt is owed. Be aware not to respond to either of these companies unless you can block caller ID. I am sure if you show concern and give them your phone number, you will hear for days.

I filled out a loan application for a personal loan with a related co-signer. Springleaf Financial took it upon their selves to call the co-signer the next day, expressing that I was not qualified; but she was, so they filled out two separate loan applications. When I received my "not qualified" notice, I had no co-signer listed on my loan. My relative nor my self never gave permission to change my loan application. This bait and switch technique is despicable. It not only affected my credit score but my relative's as well. No facts were hidden during the application process - that I was an unemployed, full-time college student, purpose of the loan, credit score, and co-signer information.

Before any foreclosure was set, I tried to work with my branch manager to no avail. I received notice of a hearing which was cancelled. I never received notice of another one. This all started in 2011 and then in February 2012 I received notice of a sheriff’s sale. I never knew if it was sold or not. I tried to get a statement from Springleaf saying how much I needed and an eviction date so I could get a hardship withdrawal from my 401K. They ignored me! I didn't want to take the chance of getting kicked out, so I had an opportunity for some temp housing and I took it. I would go to the house every couple of days. One day I went there and it was locked! I have tried to get them to at least let me get my stuff out and again all they do is ignore me! What am I to do? Not only did I lose my house and my stuff, but I am losing my son over this because he had stuff in there that means the world to him. Oh, and, yes, my deceased husband’s remains are in there, too.

I received a Sprint bill for a single long distance phone call. Trouble was it was an obvious photocopy, fake bill for a long distance call made from a phone that I don't have long distance service on. The number on the front of the bill to call Sprint if you "have any question about your bill" turns out to be the exact same phone number as that of Springleaf Financial Services. I called that number and it said that I have reached Sprint and a live person there denied it was Springleaf Financial Services. But when I told her I was looking for Springleaf and not Sprint, she tried to send me on to their financial services area.

I did an online application for a personal loan. I received a call to discuss how much was requested and what it was for. I was then rudely told that my requested amount is far less than what I needed according to their records. I explained that the total is for closed accounts, and was then rudely told to give account names and totals (like I had it memorized). Once I was finally understood that it was for closed accounts, I was asked what interest I pay. When I replied saying the highest is 15% being one card and the rest below 9%, I was told that I would be looking at a much higher rate. I said that is outrageous and I am not interested as that would defeat the purpose and I was rudely told that the higher rate is not outrageous and that is normal. I was still trying to speak and was being spoken over.

You people sent me a letter last year and told me that I was ahead in my payments and could take some time off. So last October, November and December, I decided to take you up on your offer. Now I found out that you reported me to the credit companies and now I have bad credit. You people need to call me and set this straight.

I took out a loan with American General Rip-off Financial, now Springleaf, because of all their unethical tactics. I got laid off. They put a small claims suit against me. I acquired a job, they started garnishing my checks. Mind you, my bankruptcy is paid for in full and they are included in it. They haven’t taken the collateral I put up, and now my debit card has been declined, because they have a hold on my checking account. Anyone that is thinking about taking out a loan with this company, don’t. They will ruin your lives. I have four kids, no money to my name now. Their attorneys, Krisor and Associates in South Bend, Indiana will back them to the fullest.

CareOne has been making payments to this company on my behalf since February 2010. My balance was $4958. As of April 2012, I have paid a total of $6044. I was very upset to find out that the collection agency stated that I owe $3051.08. The lady told me on the phone that they started receiving payments June 2011. My account is **. I even sent a certified letter to the address provided on my credit report: Evansville ACCT RE 600 N Royal ave, Evansville, IN 47715 and did not receive a response. I need someone to contact me as soon as possible to clear this up. At this time, I will not make another payment until all my payments are applied to my account. Thank you.

Springleaf broke the law! I deployed to Iraq in 2010 and Springleaf illegally foreclosed on my home while I was away with the army. This is a violation of the Soldiers’ Civil Relief Act. I am getting an attorney and suing them for damages as they auctioned my home for approximately 33% of the value and then put it on my credit report. These folks are criminals.

My husband lost his job in year 2010 and I have very serious medical problems which I have to have treatment three times a week. I do work but my hours were cut down to 32 a week. We could not get (previously American General) Springleaf Financial to work with us. We were current on our payments until all this happened. We got two months behind and then the harassment started with Springleaf. They would call me at work/home/cell, come by my house and they would do my husband the same way.

So I just found out that this company wishes to throw a little old lady out onto the streets. They refused to work with her and are trying to take the house. She's been in and out of the hospital, and whenever someone would try to pay her bill, they refused the money, telling whoever was trying to pay that they could not because only her name was on the records. I came to find out that even though they had the house and got it on auction, I read on sites and in books that this wasn't allowed and was against the law. So yes, it seems they are getting away with it. So what's to happen to this sweet old lady now? Anyone care to help? She was in a bankruptcy, and that should have stopped the foreclosure. But according to them, they still want the house and are ordering her to pay $188k. Does this seem fair to this little old lady?

Foreclosure 03/8/2012 began on ** property sold at an auction on 03/29/2012. Personal property moving began 04/08/2012. The new owner closed on 04/26/2012. Filed felony charges 04/25/2012 for removal of dryer, stove, and other personal properties before closing. Springleaf claims that the closing papers stated that home to go as is. The previous homeowner was not able to retrieve the remainder of personal property and charged with robbery. I returned the stove and dryer but on 05/03/2012, returned to outside of the home to obtain the remaining personal property, finding some items missing. What happened to the rest of my personal property? Do I not have any rights?! Also, Springleaf failed to mail a notice of foreclosure to me as partial owner in the mortgage, and property tax deeds.

I have had my loan for $4,700 for 2 years with a couple payments to go. I am on SS, so I pay when my check is direct deposited. I made my payment by phone on April 25 and repeated my account numbers back to the rep on the phone as usual. I checked my check account today on 5/2, the payment was still not through so I called to see if there was a problem and was told that my payment did not go through due to NSF and I owed an additional $30.00 NSF + $10.00 late fee + the payment. I complained first to the rep and was told I needed to pay it, not their fault, the bank returned so I owe. I asked to talk to a manager and he told me I had to show proof from my bank. I called my bank, no payment ever came through and if it had, it would have been paid as I have OD protection. They are sending me the info to pass on. All I can say is once they are paid off next month, I will never do business with them again. Very poor customer service. They need to treat people better!

Well, my ex-husband and I did a loan with American General Financial about 10 years ago and I didn't have any problems or issues with them. They pretty much paid off our credit card bills and we just paid them back, but I must say that it was great to get that payment over with.

I was approved for a loan of $5,000 through this agent named Simpson. Then they asked me to put the first payment on a MoneyPak card through Walgreens for $220.00 and to call them back with the number on the back of the MoneyPak once I scratch it off. I did that and then this account manager named Julie ** asked me to do another payment using another MoneyPak for $400.00 and call them back with the scratch off number on the back of the MoneyPak as soon as possible. Ms. ** promised I would receive another $500.00 to my loan, totaling $5,500.00. She took my bank info, including my routing number and account number. I never received my loan and the phone number is always busy.

I was working with this company (Springleaf Financial Services) American General Finance to resolve the balance on my credit report of $707. I paid the amount of $707. And this company resubmitting to the credit bureau separately, an additional amount after they stated in writing that the amount on the credit report was accurate and correct. I called to mention this to the company, and they threatened me to pay an additional $379. Please help. This company is bullying after an agreement to get more money, and reporting incorrect information on my credit report. I have never had a creditor revise any additional fees after an agreement. If you have any question please contact me or email me.

I had two loans last year with Springleaf. I paid them in full and had great credit with them. I have had two calls this month where they were soliciting loans. They left messages that I could borrow $2,000 the same day. Then I received a mailing telling me that I am a preferred customer and I could borrow $5,000. So, I submitted an application online. It was referred to the branch. The next day at 10am, I called and spoke to Steven **, the same guy who was calling me about a loan. They said they would call me when they had some news on the loan. I never received a call.

My family and I have already been stressed since the passing of our mother on January 2009. We are trying to take care of her estate for inheritance tax purposes. The City of Harrisburg is requesting a copy of the balance of her property located on ** Philadelphia, Pennsylvania. The woman Cherly at the Cheltenham Branch provided us with a verbal quote of the balance. However, this is not sufficient. They need a copy, some sort of documentation. Cherly said she can't send it to us. I said I will come and get it. Again, Cherly said she cannot give us a copy. Why? She said because she can’t. I asked her if she had printer and paper. She said yes. So I said then print it out. She again said she can't.

In 2003, I borrowed $1500 from American General, now Springleaf Financial. I was making payments faithfully and I did get the loan down to $400 and then the economy got the best of me and I had to file a chapter 13. My case was dismissed but American General got most of their money. Now in 2012, I start receiving harassing calls telling me that I owe them $5000. I asked them how I managed to wind up owing them this amount and they told me that the loan sat in bankruptcy for all of those years and accrued interest. I explained to them that I am on a fixed income and they said that the calls would keep coming until a payment for 5 grand was made to pay off the loan. They told me that they didn't care how many times and what time of day they had to call they would still call. I cannot pay or will not pay this huge payment that they want me to pay. I thought that this loan should have been taken out of the system. I cannot take these calls anymore and I am really tired of this company.

I received my final bill from Springleaf with a balance of $16.75 on my account. I paid the amount and expected to get paid in full later. Instead, I started to get phone calls. The voice mails were speaking about paying a fee for a bounced check in January 2009. Today, I got to answer the call before it went to a voice mail. The guy stated to talk about my paying this. I asked him to send me something showing that I owe the money, and he stated that they don't send that kind of document. I asked what his basis was that I owe money, and he stated that it was from voice mails that I never responded to in February 2009.

I have had a loan with American General (now Springleaf Financial) for a few years. I have just recently, due to financial issues, got 1 month behind in my payments. My fiance gave me the money to pay my account off in full. I paid them a payment of $2000 and then the final $2914, and I obtained confirmation numbers, finalizing the deal.

Adding an additional $1,800.00 in finance fees - I transferred all my debt (HSBC/Chase/American General aka: Springleaf) to a debt consolidation company, Care One. After 3.5 years of paying off what Springleaf initially agreed to have my $2,700.00 debt with them completed, they then contacted a collection agency and said that I still owed them over $1,800.00. My initial loan was for $2,700.00, I paid them $3,400.00 through Care One, and they still demand another $1,800.00, which means that once they took the initial payments, they must have increased the interest rate to triple what it was supposed to be from their original contract with me, that I still have.

Listen and listen good. I took a loan from your organization with an agreement to pay back in a window of time. During this period, I received a letter to pay up the loan in full and saved interest. My wife did so. After this, I received a communication that my account was paid in full. Now, many years later, my TRWs reflect that I am a bad risk. Your organization failed to provide what ever information to the credit bureaus that the loan was paid up before the contract date. Because of your lack of professionalism, my life is ruined. My next step, if I don't hear from you with the resolve, is to notify the Better Business Bureau of your incompetence in this matter. I want my credit to reflect that I paid you off before time and removed from records. I am not threatening you in any fashion. I am just advising you for the 2nd time: fix it!

I fell behind with my payment and spoke with a loan administrator to work some things out. She was more than willing to do so. A few days later, I started receiving rude and threatening calls from someone named Brandon and house visits from someone my roommates said was named Dawn. Rude to the extent of saying "be a real man and call me back!" or "you need to surrender the items or I will have to proceed with legal action". I understand that I was behind, but the magnitude of the rudeness to myself and my roommates is so tacky and uncalled for.

I borrowed $8,000.00 and made my payments of $345.00 faithfully for almost a year and went in paid off. So I decided to ask for another loan of $5000.00 for some little medical bills and small bills. So they told me no problem, we'll be happy to do that for a good customer. They always make it sound like it's not a problem. Well it is, they didn't say anything about a vehicle to finance. I asked for a personal loan, so it just made me mad. When they say one thing, they do something different. If I knew they were going to do that, I wouldn't paid them off. So Modesto, CA. financial will get no more of my business and from a lot of other people too. It will be in other papers in CA.

I borrowed $3,000 from Springleaf Financial to pay off a credit card. My payments were set at $170 a month. A few months after getting the loan, I was hit with a $2,400 federal tax debt. I explained to Springleaf Financial what had happened and they lowered my monthly payment to $100. After making one payment of $100, my fiancé lost her job at Edward Jones. Once again, I called Springleaf Financial to let them know what had happened and that I could only make $50 monthly payments for a few months, but that I have a loan with my financial institution that will be paid off soon. (I thought my last payment was April 1, 2012, but it was actually just paid off on March 1st.)

On February 28, 2012, I was contacted about my mom's loan that I took care of and stated to them that I already mailed my payment. They said that their corporate office would not process it on time and they are coming to repossess my vehicle if I did not make another payment by phone right then and there. I stated that there was no money in the account to cover a double payment and the gentleman says, "I'm sorry that you're a low life who can't pay bills." I stated, "I mailed my payment. So why are you talking to me like this?" He says, I can give to ** if you mailed your payment. I'm coming to get the truck and garnish your mother's wages," and hung the phone up on me. I have never been talked to like that and I have had loans with them for almost 6 years now.

I took a loan out for 3K and have always made my payments on time. Job change came up and I got a little behind on paying my payments by just a couple of weeks later than the actual due date. They started calling 2 days before it was even due yet, harassing me and asking to make sure payment will be on time and every day, at least 10 times a day, until payment was made. They actually showed up at our doorstep when the payment was only 5 days late. I call that harassment and it should be illegal. Their interest rates are outrageous and when their approach is disgusting, I would never recommend this company to anyone no matter how desperate they may be.

I worked for them on and off for 14 years. I was fresh out of prison after 6 years. They didn't care. It got to where I was only given accounts that were 4 months or older and told to harass and repo with prejudice, which means do anything I could to destroy the life of the clients. Parents, children, friends, and co-workers were all given the green light. I was paid an average of $90k a year as a sub-contractor. I am now 50 years old and it’s been almost 10 years. I can only hang my head in shame and ask forgiveness. For the last 10 years since I left that lifestyle I have dedicated myself to helping people in my community to dealing with finance companies’ **. My best advice is read the Fair Debt Collection Act even the short version. Get aggressive back; look outside the box. Follow them. Stop at the same stores as the managers. Meet them in the doorways and if they say anything to you tell them off loudly, they can't take embarrassment. Go on the offensive. Get in their face. Good luck and remember they have unlimited funds to fight you with, so make it hurt.

Due to unavoidable circumstances, we became a few months behind on our home loan through Springleaf Financial in Lake City, FL. I wanted to make two payment of $350.00 each to catch it up, but we received paperwork from Martha ** via mail, suggesting we apply for a loan modification. We decided this would be the best thing for us at the time, since we were going through some financial difficulty. I filled out all the paperwork, and gathered all the required documentation that was requested, and turned it in to Martha by the due date. Four weeks went by, before I received a call from Martha, stating there was a document missing that was needed for the process to be complete. She said the name of the paper, which was unfamiliar to me, and when I asked her what it was, her response was, "I have no idea". This woman was doing a modification on our loan, yet she didn't even know what papers she was requesting from me, and I found this a bit odd.

They still processed the loan after I told them I didn't want the loan. When I didn't take the loan, they put it in as a denial, which affects my credit score. Then without my wife's permission, they ran her information and sent her a denial letter, which affected her credit score. She's furious her credit score dropped considerably.

They did not send my tax document for the interest I paid for in 2011. I called about it and told them to fax it to me, but I have not received it yet.

I had drop off a payment on 12/15/2011 in their drop off box and I had just left my family’s Christmas party. Springleaf hired the worst towing company in the world. They towed my truck and didn’t give the option to get my kid’s Christmas gifts out. They didn’t give me a repossession notice until three days later.

I have used them since I was 18 years old and have had a high credit limit of $5000. When me and my ex husband decided to separate, they were playing both sides, giving him information and harassing me. Remind you that he has never paid any of his loans off and had to charge off his recent account in which he blames me when he refused to pay because he didn't want me to have a motorcycle that was used as collateral, in which he told a representative from the branch it wasn't. They helped him try to take out papers against me so I wouldn't get the bike that was repo because he would sign over the title.

I have loan documents stamped paid in full and dated from 3 years ago. Loan is showing past due on my credit report. I’m trying to buy a home and this is screwing me over. My calls were not returned. I’m going to burn their butts with a lawyer.

I do not have any account with you. I paid my account off about two years ago and received my car title back and have since then sold the care. I paid at your Crestwood location in the state of Illinois. Please remove it from my credit report ASAP. I am in the midst of purchasing a home and will not be able to do so because of an error on your part. Please double check your records and you should find that the account was paid. Please reply to my email address at **.net or call me at **. Thank you.

I borrowed 1,500 dollars from Springfield Financial. I got hurt at work and I am unable to make payments. I let them know this. But they call all the time, came to my house and actually they went through my mailbox to check my mail. Several neighbors have seen them. They called my mother who has dementia. One agent called me and told me that there is to be a court hearing in February. Now this is not a problem but then she said I am coming to your home and tag your items. I find this uncalled for because the judge has not made a decision yet. They have called my boss and every member of my family. They talked to my neighbors and have actually beaten on the main door with their fists. I have not been home because of my injury. These people keep harassing me and I want it stopped. I am not disputing the loan but they are breaking the law.

I got behind on my payment and after receiving calls night and day, and weekly visits from them when they showed up at my house demanding a payment before they left, or stating they wanted to go to the bank with me to get their payment, it was awful. I sent them a letter telling them to quit calling, and quit coming to my house. I finally got the money to catch up on my payments. They returned my payments and sent me a letter telling me they wanted payment in full for the loan or they wanted my vehicle.

I got a loan through Springleaf Financial in March 2011. The loan was for $2000.00 to purchase a car for my 17-year-old daughter. Springleaf said that this will be a car loan, so they kept the title to the car. Also, I got $700.00 to do repairs on my car, which they required me to put my title up for collateral. Four days later the car stopped working, I called them to see if there was anything that I could do, they said no. I asked to help with the repairs of the car I got, and they said no again.

This company assumed collection of a judgment won against us by American General. I paid their full claim on a loan with a usurious (under Illinois State Law) interest rate of 18%. They have held on to the final principle payment check of over $5000 and have refused to take it to the bank! They demand we declare our assets.

My husband and I got a $1,500.00 loan from them on December 9 2011. After putting a 50' plasma TV, 42'plasma, and 2 32'plasma TVs up for collateral, they still wanted a title to my vehicle (98 Dodge Caravan). On the loan application, it stated, after I pay my timely payments of $81.42 for two years, I would've paid them $1,952.64. So I paid $82.00 on it from 1-9-11 to 9-9-11, 10-9-11 $100.00, and then as my luck would have it, my 17 year old son totaled my only means of transportation on 11-29-11 (98 Dodge Caravan). I called Springleaf to let them know I need the title for the insurance company, and I was asked how much I am getting for the van , because I owe $1,015.00 on the loan.

I was three months behind on my loan. I received a final notice at which time I contacted Springleaf. I made arrangements to pay 2 months by 11/30/11. Once I did this, they would bring my account current moving one payment to the back. I made the first payment on 11/17/11 and the second on 11/30/11. On 12/6/11, I received a call from Springleaf at 4:22 pm demanding that I contact them by 5:00 pm. I reviewed my account and found that the check had been returned. I contacted Springleaf and explained that I had funds sitting in savings and didn't understand why it was returned. I explained that I would take out the cash and pay it at the branch as well as bring my statements to show that I had the funds.

I have paid off my loan with them. When I got the loan, I used my 1987 Ford Bronco as collateral and gave them the title to hold. When I paid off the loan, they did not give me the title. They said that the PA DMV had it. After speaking with the DMV, they said that they (the DMV) would not have it, the financial institution would.

Due to my financial situation, I asked American General if they would let me refinance my loan to a lower payment. They replied no. Due to other financial matters, I took my finances to a consumer credit agency. When AG would not let me lower my payments, I also included them with my other debts with the consumer agency. After a few days, I received court documents saying I had to be in court. I went to court and AG's attorney told the court/judge that they would work with us.

I am behind in a payment,problem is Springleaf calls at least 4 times a day at my place of work. I am aware, I am behind. I work in an Emergency Department. I have been told if these calls continue to my work, I may lose my job that I have been at, for 18 years. I have received 11 calls in 4 days. This has to stop. I am trying to catch up, but if I lose my job over these calls, nobody wins. I am at the risk of losing my job because of their calls.

I have had numerous loans with American General, all paid in full. Last time, I took out disability insurance. One time I did not and ended up with colon cancer (14 years ago.) This loan went well until I became disabled form neurosurgery. Every doctor form was filled out by all doctors treating me. My neurosurgeon put indefinite as the return and they would not take it. I then had it filled out by my orthopedic doctor, who would put a date, but sometimes forget and put indefinite. These people, branch manager, held one of the forms and did not fax it into the main office of AIG. They gave me all kinds of trouble and finally paid, but interest accrued daily. By the time the loan was to be paid, there was $1,000.00 left in interest.

This is my second loan from this company. I recently had a family emergency, and I let the Institute know about this on several occasions. However, they showed up at my house and contacted my Human Resource Department. I have never seen such a desperate company in my life!

We have gotten behind on our mortgage payments due to economy in our area and with only one income now due to medical reason with my husband. We have asked for them to lower the interest rate and rewrite the loan, which was refused. They said they do not have to, but they claim they are trying to work with us. All they have done is make threatening calls, came to our home, threaten foreclosure and lied to us. We have not been receiving any statements from them, just letters stating they want their payments.

I have posted on Ms. Dollar mortgage site with lengthy blog a number of times under John **. So not to be redundant, I am only posting excerpts of my earlier complaints. I was solicited via USPS by the contractor Petros ** who advertised his business as a procurer of FHA-TITLE-1 Home Improvement revolving credit loans. Petros took what was supposed to be a draft application for proposed work to be submitted for HUD approval and converted the document to a second mortgage on my home. The work was not completed, 25% of my home was destroyed the contractor never returned. Petros without authority and prohibited by local and state law assigned the fraudulent documents to D&M Financial on the same day. D&M assigned the fraudulent mortgage to American General Finance. AGF did not record the mortgage for 3 years until after D&M obtained a NYS Mortgage Banking License. Google search D&M Financial. Real Life Willie Suttons.

I feel for anyone dealing with American General Springleaf or whatever their name they have changed it to, to hide this week. l pray for anyone who deals with this company. Please anyone who wants to join me in a class action lawsuit, contact me. My name and phone number is on this complaint. I got so messed up by this company. It's not funny. They lie, trick, and deceive you.

They gave me a new cure agreement and then changed their minds a few months later. I borrowed money to pay an attorney and have no more money to fight them for changing their mind. They will not return my calls.