OneMain Financial Reviews

So I am very dissatisfied with OneMain Financial. I got a conditional approval upon verification I sent in all my information they requested. Waited all day and then got denied even though I sent all documentation they required and everything was exactly as I told them. I even had collateral. And no one will give me a reason why. I am super dissatisfied with my experience.

OneMain has worked with us multiple times. They are very kind, courteous, professional and knowledgeable. The ladies in Turlock are very nice and funny. They go above and beyond to meet the needs of their customers.

I had two loans. One was with Springleaf and OneMain. Been try for months to get them to let's add the two loans together and have one payment. I keep getting turned down. They say can't loan me the money to paid one off but that alright. I just about got the paid and hope I ever have to use the company again. They don't want to help anybody.

I won't trust a OneMain Financial to help you with finance because they will always reject the approval. They always preapprove a loan and reject you when you go to the branch to sign a contract. They will laugh at you saying, "You are not qualified. Go away." OneMain Financial located at Florence KY is a fraud. Thanks for your lie. I am glad that I am doing business with Chase.

I have been a OneMain customer for around 5 years. Never missed a payment. I originally borrowed 6000 to do remodeling on my house and renewed this loan twice once for 500 and once for 1500. From doing this my payments went from 190 per month to 480 per month and I have paid over 35,000 dollars for this one loan. When I checked my credit score OneMain said that my original loan amount was 12000 dollars. I have tried to talk with someone about this and they keep giving me the runaround and no one wants to talk about it. They will not even renew the loan to try to make the payments lower. My original loan amount was 6000 not 12000. Everything else on my credit report was right except OneMain. It should still have a original loan amount of 6000. No one wants to help? If I ever pay this loan off I will not deal with these people again. I feel as if I'm being ripped off and would not recommend Them to anyone.

Very Irate with this company! I applied with this company for a very small loan. I was told it was a good place to get approved. While I do not have perfect credit my credit is fair not bad! I have credit with other places and credit cards but these clowns turned me down and my credit score dropped big time! I am pissed beyond words. It took me several years after I divorced to get my credit back on track for these idiots to put a dent back into it and not help me after they sent a damned good approval status to me. Never will I ever apply with these clowns again!!

Interest Rates are the worst. Being a long term (20 yrs of loans) never late, customer does not help. Just a real greedy company. I had another person apply just for the cause of it, her credit score was 801 and they still told her that her interest rate would be 28%. Just as bad as the PAYDAY LOANS, although I have never had to have a payday I have spoken to others that said they paid less interest with some PayDay Loans. Once this current loan is paid in full, I will never do business with them again. Like I said a real GREEDY COMPANY.

I had a great experience with OneMain Financial when looking for a loan to consolidate my personal debt. They were courteous and when closing, didn't try to force their other insurance packages on me, which I really appreciate. I would work with them anytime.

My nightmare began with this company when I gave the title to my 5th wheel as collateral. Approximately 1½ years later, this loan was paid in full and my understanding was that the lien release would be sent to the DMV. Fast-forward to today my husband and I made several attempts to sell our 5th wheel trailer and finally, after 6 months, found a buyer. My husband and I planned to use the $5,500 dollars to finally pay for the backyard our Home Owners Association was demanding we put in, or be fined. Thankfully, we just needed to do the paperwork, and get our money from the buyer. When I went to the DMV, they let me know that Springleaf still owned the title and would not allow for the bill of sale. Imagine my embarrassment. I made contact with Springleaf on Friday, September 1st and asked for them to expedite my title so that I could still make the transaction with the buyer.

Took a SECURE loan with One Main Financial. Prior to receiving the loan, it was suggested what kind of insurance was good for me to take out in case I become disabled or my car gets totaled. I agreed with the loan officer about my insurance. He explained them and had me sign/initial them. Three years later, my car get totaled and my car insurance pays the money to One Main Financial. The loan was suppose to be insured so why did they accept any monies from my car insurance company. When One Main Financial contacted me, they told me that I signed for disability insurance and life insurance and my car being totaled that I still had a balance to pay. They are very deceitful people working there at that time. I will never deal with this company again. DON'T TRUST THIS COMPANY!

I took out a loan with OneMain for $7,000. The local office was wonderful, and made everything very easy. The interest rate is fairly high, but it fit my immediate needs. I received the loan, set up my payments, and went about my business. If I pay the loan off strictly by their monthly terms, I'll be paying around $13,800 total. However, there is no penalty for pre-payment, so the interest paid could be significantly less.

I went through One Main Financial. They have good customers service. The only thing I don't agree with is that I am trying to change my payment date and they are adding interest on moving the date. I pay my bill on time every month. I just can't believe they wanna add more interest to my bill like it's late.

Someone used my personal information to get a loan and OneMain Financial has not provided me any information to show that I opened this account and refuses to absolve me of all charges and continue to list negative and wrong information on my credit report even after I provided them with proof I did not take out this loan.

Due to a large number of medical bills, etc. I decided to enroll in a Debt Management Plan to get my finances in order. Two days after I receive notification that OneMain has accepted the proposal from the Debt Management Company they deduct a payment from my bank account. Since I'm enrolled and you have agreed to their terms why are you taking money out of my account. Your payments will come from the Debt Management company. This is extremely unprofessional. Don't know if it arises to the level of illegal but in my book it is awfully close.

I received a mailer inviting me to apply for a loan with OneMain. I completed the online application and was immediately given a response which stated, "Congratulations! Your loan has been conditionally approved". I also receive an e-mail which stated my "Loan was Approved". The only conditions were government ID, income verification and title to a vehicle.

Got approved online for a personal loan. Called my local office and they told me "We will contact you back shortly." 3 hours went by with no contact. Called again & was told that the associate never went over anything yet so someone else would and call us back, they connected me to a woman who told me the exact same thing as the male associate did. Now 3 days later still no call. Really need this loan ASAP! Company seems so awesome yet the employees are ruining the name! Uniontown, PA location.

I applied at the Machesney Park Illinois branch through Angel and she pretty much guaranteed me the loan and she hasn't called me since the application was submitted. Horrible customer service and you shouldn't tell someone you are going to get approved and never call them.

I applied for a personal loan at the end of June through the online application. Was "approved" within minutes. Was supposed to be contacted within 15 minutes by a "personal loan specialist". The day came and went and heard nothing, so I went down to a branch. I came prepared with ID, SS card and a month worth of pay stubs. When I walked in it was as if I was bothering them, totally unprofessional. Gave them pay stubs, and loan person said I was only conditionally approved. Never heard a word back as days past. Every time I called the person I was working with always had something better to do than talk to me.

I had a personal loan with One Main Financial and went to the location in St. Louis Park on Minnetonka Blvd. I had horrible experience with this bank. They went and took double payments when they not supposed to and the branch manager, Meryl ** was very rude and disrespectful. This is the worst consumer service I have ever experienced.

New person without proper knowledge taking care of public. First she called stating I've got approve... Then información the Office she stated she overlooked my earnings And I was Not qualified... Wtf... really??? Wow so much for business.

The staff at OneMain was very helpful in meeting my financial needs. They were very respectful and polite. I did not once feel like I was being judged because of my financial situation. I will definitely be doing business with OneMain in the future should I ever need assistance again.

This company is a wolf dressed in lambs clothing. You think that they're the only ones you can do business with, and then upon approval of a loan, that they are saviors. However, they fail to mention that any loan with them is "pre-computed". This means that no matter when you pay the loan off that you're gonna have to pay, upfront, interest on all those months financed. They act super nice and wizzing you through the paperwork, while talking like your best friend. However, when you realize what they're doing, they act oblivious at first and tell you actually borrowed that much, but you didn't borrow but a small fraction compared to the amount due. Then in my case I called back again, after the oblivious ignorant loan officer at first. Then I'm told to basically suck it up and pay it.

Loan paid off and they took my reward points when I tried to use them. Called customer care services for help, gave me the run around. Still waiting for my points for 3 months. No good. Bunch of fools over there.

I received an email from One Main Financial and decided to give it a shot. Filled it out online and was approved. They sent me the phone number and address of the office in Newberry. The guy actually called me the following day and took some information from me and told me he would call me back in 30 minutes. He called me 2 days later like we hadn't spoken at all. He didn't remember talking to me. Not someone I want to do business with!

I have a line of credit that I paid off last year. In February, I got a $50 activity charge. So, I decided to use my line of credit to pay off some other debts. I called customer service because I did not have any checks. I was told they would send some out. After 2 weeks, no checks arrived. I called again and was told my request was rejected because I still had unused checks. No one notified me of this. I told them I did not have any checks. They told me they would have to send me a form that I would have to fill out, then I could get checks. I decided it was not worth the hassle, so I asked for my $50 activity fee back and to close my account. They said they could not refund my activity fee. Just seems like a ridiculous company - there are much better products out there.

They approved a loan but needed car title to secure part of it. I had to get title put in my name. They told me I could go ahead and get unsecured part of loan then, and get the rest after I got title back in my name. I needed entire amount of loan. They told me several times that the loan amount was already approved and there would be no problem getting part now and part later. Then, after I paid to have title put in my name, they denied me the rest of the loan. Screwed me over big time. I'm worse off now than I was before them. DON'T TRUST THEM. THEY LIE AND TRICK YOU INTO LOANS NOT WHAT YOU NEED!

OneMain Financial, formerly Springleaf, is no better than those payday loan places-the rates they charge are astronomical. If you are one day late on making your payment, they will harass you with repeated emails and phone calls, simultaneously, and then they report you to the credit bureaus - they truly lack customer service. I picked up a second job so that I could pay them off. The money was deducted from my checking account immediately, but they claim it takes forty days before I can receive proof of my payoff. I will never borrow from them again!

I received a letter saying I could get 4,250. Called to ask guidelines, was told had to fill out application, so I did... Was told my income was fine. I don't have a house payment. So after I applied, like I said they offer code and rep gave me the it's really a formality. I didn't want the amount they sent me but was told to apply... So I am very disappointed. I can pay this bill. Called Basic finance and was approved. Told OneMain to not send me any offers because it's a waste of time... very misleading. I have many family and friends who go there. I just don't understand if they send you an offer... saying come get 4,250... Then you should be able to give you that loan.

This company is AWFUL! I got a mailer indicating that I prequalified for a loan amount up to $15,000... I called and decided to give them a try. The purpose of this loan was to be for a real estate flip. I discussed with one of the representatives how I possibly would want a bit larger amount than this. No "program" was ever covered. After allowing them to pull my credit, I discovered that they don't make personal loans any larger than $5,000. She tried to get me to do a "refinance" of my vehicle. ARE YOU KIDDING ME??? I never told them that I would be open to any option of that nature! I should have been advised of their "policy"!!! They knew perfectly good and well of the amount I was looking for and STILL drew me into an application! DO NOT USE THIS COMPANY UNLESS YOU WANT TO BE CONNED! Bait and switch!!!! They are dishonest!!!

I am writing this review based off of my service through the Santa Rosa, CA location. Do not ever use this company or their products. My wife got a loan through this company and used her car as collateral. They had her include her registration cost into the loan and said that they would pay it for her. They didn't and cost her 6 months of late fees. Then when she paid off her loan early, in Nov '16, they forgot to submit the paperwork to give her back the title of her car and we are just now getting the paperwork back from the DMV. It is April 2017. Also, they forgot to put the city of where the car is registered, so my wife needs to go into the DMV with the paperwork and turn it into them. Worst company ever. Sunny is a joke of a manager. Go anywhere else you possibly can to get money for a loan.

I recently received a letter from OneMain advertising their Lending services. At the time I received the letter, I was not in need of their services. However, later I did go to their office in Aurora, CO and met with one of their Loan Officers. He was very professional and immediately took the time to meet with me and discuss my need for consolidation credit. I believe I was in the office less than one hour before everything was addressed and set up. I walked out of that office thinking, "This is the way more credit institutions should operate." I am happy with my outcome and will be back in the future as the need arises.

So my question is what gives OneMain the right to change lienholder when no loan documents ever signed. I have not even been in your office. I have not agreed to the loan and told y'all to cancel the application. They do not have my authorization to update lienholder and or the original lienholders authorization. Had to call insurance company and change it back. After reading all the nasty reviews I think I will stay away from this place. Thank God I never agreed to take out a loan with them.

I was happy to be treated like a valued customer rather than just another number. I feel like I could call at any time and be given the respect that a customer deserves. I am glad I decided to do business with OneMain and you will be too!

Great atmosphere, great people. The people there helped me obtain a loan with payments within my means. The loan process was thoroughly explained. I was also given advice on how to manage interest payments during loan repayment.

If you have intentions of paying off the loan early, PROCEED WITH CAUTION. I asked many times if there was a penalty if paid early and was told NO. Contract states "borrower will be given a refund of the unearned portion of the Finance Charge, computed by the Rule of 78's." I only learned what the Rule of 78's meant after I had the loan. It is a term used in lending that refers to a method of yearly interest calculation. In other words, in comparison to a simple interest loan, a rule of 78's loan will charge more interest if the loan is paid early. I owed more than I borrowed when I paid the loan off after having it only 5 months. This practice is illegal in many states. Unfortunately, I don't live in one of those states. It cost me over $1,000. I learned after it was too late.

I went to OneMain Financial loan office in Staten Island New York. I wanted to take out a personal loan. The loan officer asked me for my income and all my assets, smh cause I never needed to go through this for a personal loan. So to make a long story short I got approved for the loan after giving up all my assets that I have. But here's the kicker instead of telling me they was approving me for a auto loan so they can charge a high percentage rate on loan they led me to believe this was a personal loan. Be careful with OneMain Financial. They have loan officers that seem like wise guys aka mob affiliated con man to handle your loans.

One Main is an extremely professional company. They have exemplary Customer Service Personnel that go the extra mile to take care of a customer. From start to completion, they strive to get your loan approved to your satisfaction. They do not judge or talk down to anyone. The overall process is not complicated. The documents that are required are ones you would typically have in your home files or are readily accessible online. Their scoring system is somewhat unconventional. They use your credit report and FICO score as a means to calculate your internal score. This is what determines the final approval and interest rate.

OneMain Financial saved me from going to my family for a small loan and I have since paid off that loan and opened a larger loan. OneMain took a chance on me when other companies wouldn't, including the credit union of the company from which I retired. OneMain wasn't judgmental and went out of their way to treat me like a royal customer. Now my financial situation has improved as well as my credit score and I owe it to OneMain having faith in me. I'll stick with this company for many years to come. Thanks.

This is a safe place and they will help you. Unfortunately, they do not have more offices in Venice or Port Charlotte and this is very difficult to set up a day... but once you made the appointment, they are very very good.

I used OneMain Financial to obtain a loan to reduce my debt. The process was a lot easier than I expected. Everyone I came in contact with was professional, very nice. They told me every step of the way what they would need and what would be happening. I got my money a lot sooner than I ever expected. Great Company, I would use them again and will refer them to friends and family if they ever need a loan.

When I went to them I was trying to improve my credit score. The staff was very professional and friendly. They were able to loan me the money I needed. Since then I have used them again. Would recommend them to anyone.

OneMain was very friendly. I enjoyed the customer service and the manager was nice and made sure all my needs were meet. They answer all my questions to the fullest. I would recommend them to everyone.

I needed to consolidate some things and applied online that night, got a call the next morning, went in that evening and signed the loan agreement and got my money. It was that easy. It's nice to know I have someplace I can go to in times of need. Thank you One Main!

I did an online application for OneMain Financial, within 30 minutes someone had contacted me regarding my loan. A few hours later I was at the branch closing on my loan. I have never experienced such a fast process. The representative that helped me was very thoughtful of my time, since she was aware I was on my lunch break. It was easy to give them 5 stars for the great customer service, the easy process. I would definitely recommend OneMain to any of my family & friends!

Every time that I needed a Loan, they were there for me. I started with them as Springleaf. Rick took care of me, then Olga. Everyone in the office are so very personal and wonderful and helpful. I NEVER thought I could get a personal loan as my credit is not 700+, but Rick proved me wrong. I am so very, very happy to be doing business with them. I will tell all who need a loan to go see Rick or Olga, they are the BEST.

I was approved by OneMain Financial for a personal loan. The branch manager went through my application with a magnifying glass. The manager verbally approved my loan and request to use my auto as collateral. For two weeks I handed into their office the information needed to secure my loan. They even placed their company's name on my auto insurance policy. I called the day before the loan settlement to confirm approval. The rep confirmed time, date and signatures needed to close loan.

We've used this company before and it was great. They helped us in our time of need... twice!! I would recommend them to anyone I know, that needs money for repairs or whatnot! Love the assistant, very professional. Thanks OneMain, We'll be back!!!

I have been a customer of OneMain for approximately 9 years (before they were Springleaf & OneMain). I've always received fast, courteous service. The staff is very professional and treat me with respect. They have always been there for me in time of need. I would highly recommend OneMain to anyone!

They were very friendly to work with and got the job done quickly. Would do business with them in the future and will be telling all my friends about them. Will do business again with them because of how well they treated me and my needs.

OneMain Financial gave me a personal loan so I could purchase a much needed vehicle. They did everything they could to make sure I was able to get what I desperately needed. There was no hassle, they treated me with the utmost respect, and went out of their way to make sure I was happy. If you feel stuck (like I did) BEFORE I contacted OneMain Financial, I would certainly encourage you to call or go in and talk to Jonathan or one of the ladies. Let them show you what they showed me.

I was told I was approved for a $1000 loan and when closing on the loan, I was asked if I wanted roadside assistance and that would make my payments go up by $14.99 but in reality they charge me an extra $499.95! The loan officer definitely gave me the wrong information which was misleading! Check in my hand for $1000.18 and they paid $499.95 to some insurance I never used and wasn't aware of this $499.95 charge!

I had used OneMain before and went back because of the service they give and they work with you to give you what you need. I will certainly go back and will instruct my friends and family to go to OneMain for their financial needs however big or small.

I've been a customer for over 18 yrs. (before they were Springleaf & OneMain). I can always count of them for my needs, as you never know when you may need extra cash!! Very friendly people and they always make you feel welcome and I never felt judged by anyone!! I call and then I go to the office, sign the papers and leave with a check in hand. Now that convenience!! I really can't say enough great things about this company!

It's pretty sad when you walk into a place thinking you're gonna get some help and you have no idea how bad you're gonna be screwed. I went into their branch to get a loan for 3,700 and it went up to 4,900 in a matter of days. To make matters worse they want to make you feel guilty about it!

I just recently received assistance from OneMain Financial and was completely satisfied with the employees that I met. Everyone was friendly and helpful. Mike was very nice and did not rush through anything. I am very glad that OneMain Financial is here to help. I will definitely recommend them to anyone.

I was hesitant in my expectations when submitting my response to OneMain regarding a personal loan request. Previous companies had promised to work with me with leniency due to my circumstances only to state, after building up my hope, they would not be available to assist. OneMain contacted me promptly, was honest and transparent throughout the entire process and provided a loan tailored to my specific goals and criteria. They listened, spoke in a clear and concise manner which allowed me to make a knowledgeable decision. I did not feel as though they were condescending towards me at any point during the process, judging me for my need to use their services nor irritating them with my many questions. I am confident in my ability to repay my loan due to their great options and I will willingly use and reference their services again.

Upon completing the preliminary application online, I received a response immediately and scheduled an appointment. The person working with me by phone took all my information and within minutes told me what amount I was eligible for and how the process of the overall/final application would work. Once in the office, it was wonderful to realize that the person I spoke with initially was in fact the person who would see my loan process to fruition. What was most appreciated was the professionalism, however, there was also the realm of comfort which made me feel confident in the professional (one who was well trained and knew the details of the full process). I also knew from my initial experience that One Main was not a "come on" deal. They truly have the best interest of the client and wore no mask.

My experience with this company was very pleasant. They were very detailed and made this process smooth and easy! That's the way I love to deal with companies. Especially when they deliver with excellence.

These people are very nice and patient. But we need a loan and we got it fast same day. But the interest is unreal. Going to try and pay off quickly. If you need a loan quick and fast with nice people go for it for sure.

OneMain formerly Springleaf has always had fast friendly staff to help you like you are part of their family. They accommodate to what works best for you. Like staying late to meet or coming in early.

It has been an all around great experience. Great customer service & wonderful people. I would recommend them to anyone I know looking for a personal or auto loan. If you're in the market for either type of loan, give One Main Financial a try. You won't be disappointed.

I have been with OneMain Financial since December 2015 and starting from day one the service provided was excellent. It was fast yet the employees made it a very pleasant and treated me with respect. I love how knowledgeable employees are and they understand the importance of making the experience quick.

Our experience was good and positive. We needed loan for medical reasons and it served the purpose. Loan officer was very helpful and pleasant. Overall experience was fast and easy. I would do it again.

I have received professional service from the staff of this company from the first time up to now about 3 yrs. I won't have a problem recommending them to anyone in need of professional service, and no harassments or threats when running behind a month in payment.

After receiving the OneMain Ad letter detailing their desire to extend an additional loan, my need was suddenly magnified due to a deer crashing the grillwork of my vehicle, it eventually being evaluated as a Total Loss. This caused a predicament as no transportation was available getting to their office. The Staff at the Sapulpa, OK Office took my application over the telephone and even had an Electronic Signature Feature utilized so I did not have to leave home. The loan money was transferred to my Bank Account by 10 AM the next day. The purchase of a newer vehicle was then negotiated and a Salesman at the Dealership came out to drive me there to acquire the vehicle. Not a Single detail was missed by your Sapulpa Office, which I am Very Grateful for. Thank you.

Greeted as we came in the door, staff is friendly. They worked with us to obtain the loan. Very professional. Always answer questions over the phone very nicely. Thanks to OneMain, we have wood to heat the house this winter.

Experience with OneMain Scottsburg, IN - We needed help with unexpected home repairs & went to OneMain. They went above & beyond & ended up paying off another loan for us. This was more than we first intended to borrow, but by paying this off, we were saving money on a monthly basis. The staff was great to work with, & very friendly. Would definitely recommend, & have done so, to others.

My experience with ONEMAIN was excellent. Everyone was very helpful, very friendly, and very professional. They explained every aspect of the loan process and had a very caring and understanding attitude.

My husband and I have been with OneMain before that was the name. We are very satisfied with the service that we have received. The staff is very knowledgeable about all the products they offer. We have never had any problems getting a loan with them. The staff is very friendly and so helpful. Could not ask for a better experience.

I needed to find a loan that was affordable and with options. I chose OneMain because they offered me all this and more. The staff were very friendly and knowledgeable and met all my expectations. I was able to get everything I needed and be in and out of the office in no time and my loan was ready for me the next day. I have already recommended OneMain to others who are now using OneMain and they have had the same great experience.

I am working on my second loan, and I continue to find the people interested in helping me reestablish my credit, doing whatever seems fair and reasonable to move forward with a loan. I am always impressed with the friendliness of the Branch Manager, as well as the staff processing the loan.

I was looking to consolidate my credit card bills and have money for work on my truck. OneMain Financial was the answer. The loan officer was knowledgeable, courteous, and beyond helpful. I was in and out and the money was in my account by 6:00am the next morning (after being at the office after work at 4:30pm). I would and will highly recommend OneMain Financial to anyone looking for a personal loan.

I needed some extra cash and I knew I could count on One Main. This is the friendliest, fastest and most helpful place to get a loan. They have helped me many times and I keep going back because they are the best.

When I was in need of some extra cash to help pay off my medical bills One Main Financial was there to get the money to pay it off with no explanation needed and at a payment plan that worked in my budget.

My husband and I were needing a loan. OneMain popped up online. We found out quickly that One Main reason to use this company was the experience was like drawing money from savings not pulling it out of a BANKER'S sweat filled palm. The process on the phone was pleasant and straightforward. Appointment was set at a convenient time and we knew what to expect at the meeting. Staff were so friendly. I felt as though I were withdrawing my own money. Since having the loan, they have been able to help with any issues or questions. We are very thankful we found OneMain.

This was a second experience I believe have with OneMain and both were great and to the point; service was quick and efficient. They sought me continuously after the first time. That was great; it made me feel favored. It was good to see the team work in the environment. Everyone was pleasant and helpful to each other.

Our customer rep. was extremely knowledgeable and friendly. She took her time answering questions. Great easy going communication. Have dealt with lending institutions in the past that made me feel like they looked down on us for having to borrow money. Hope to not have to borrow in the future but, if the need arises, OneMain Financial is the lending institution we will use.

I read with interest ratings submitted by other States. Indianapolis, Pendleton Pike Branch rocks. They have always treated me with respect and clearly outlining all aspects of my loan, explaining options and fast tracking the process. It helps considerably not being put through unnecessary hoops when you may already be stressed. Good Job Springleaf/OneMain.

When I called and spoke with a lady about a loan, gave her my information on the phone in about 10 minutes, she said “I'll call you right back and let you know if you should drive up her or not.” I live 52 miles from the closest branch! She called me with 20 minutes. I drove up there was there exactly 16 mins., signed my papers, got my check and walked out. The lady has called me to make sure I was happy with my experience. YES I am. Even after I just made my payment, (over the monthly payment amount) online. Which setting up my online account only took about 3 minutes. Very happy with OneMain. I will continue to use them in my future and tell everyone about them.

I am a repeat customer over the years with my local branch of OneMain Financial. I would not be if not for the branch manager Mary. INFORMATIVE and clearly outlined the terms of the loan. Do periodic phone follow up which adds a personal touch. DID not have to go into branch until time to review the paperwork. They did their homework first. I suspect it is because I am a repeat business customer.

When in a time of need for a quick secure loan, OneMain Financial was there to help with a complete business professional attitude, which made things easy and less stressful for me. That's how I like to conduct business and would recommend their services to anyone whom is looking for the same experience.

We have had a loan with Springleaf for 3 years and have found that they have done 2 hard credit inquiries in the past year without our request or permission. What can we do? Can we take action to get them removed? This is against the law according to the Fair Credit Reporting Act!

Please do not make the mistake of accepting a loan from this company. They rob you out of your hard earned money with high interest rates and prolonged terms. I got a $2000 loan in Jan with the intention to pay it back within 6 months. The loan officer informed that there was no penalty in paying the loan off early. What she didn't disclose was that the interest of the term was calculated as my balance, which was $4000! After 8 months of having the loan, I had paid about $1200 on the loan. I called to get a payoff amount and was quite shocked when they told me my payoff amount was $2100.

Let me be clear, I am not writing a review about OneMain Financial, I am writing a review about Springleaf Financial. I understand Springleaf has recently acquired OneMain, but unfortunately, OneMain's name will be tarnished by Springleaf. We acquired a loan with Spring Leaf in June of 2016. Since I lost my job in October, I immediately called the local branch. I was told to wait until my next payment was due and call them back to check their options, including a minimized payment for the month of November.

OneMain Financial meet my needs and my expectation better than I could believe. They were able to make the experience short and simple and yet complete. The service I received in the office was great customer service, making sure I understood each and every step. Going over all the documents and explaining them all to me until they were sure I was comfortable with what I was signing. All, in all, it was a good experience. I will recommend OneMain Financial to my family and friends.

When I attempted to get my mortgage payoff (I sold my home), I was instructed to send the company a fax giving release permission and a specific date. I sent the fax as required within 1 hour. I was told I would have my payoff in 24 to 48 hours. After 5 days I again contacted the company and requested the payoff amount. After another 48 hours I again contacted the company and as of yet have still not received the payoff. This is a sure sign of incompetence. I will never use this business again, very poor customer service.

From my very first contact with Robin at the Reading Springleaf Branch, she was very professional and courteous. She was also very patient and caring as she took time to answer my questions via telephone. This was also very evident when my mother and I visited the best office as both Robin and Christopher **, the Branch Manager maintained the same demeanor. They were very efficient in finalizing the processing of our loan and funds were deposited as promised. Christopher and Robin have outstanding customer/people skills and are an assets to the Springleaf Financial Services Team! Thank you.

Bait and switch with 33% interest being final rate that was greater than suggested when I applied 2 hrs prior. They also tried to force you to buy multiple insurance scams. I needed a short term loan and will pay off ASAP. Only use them for same day pay day type loan as these type of so called financial cost are loan sharks protected by politicians who use these cost "donations" for reelection. Attempt to control them voted down by Virginia legislature and Norfolk newspaper listed mostly republicans as supporters of these pay day loan and title loans up to 55%!!!

I received an offer in the mail from this company (Springleaf) for a loan up to $4,250. I applied online, it said I was approved. When I contacted the office and gave the person who answered the phone my information to look up my account, I stated to her that it said that I was approved for over $4,000 on the website, but I only need $1.5k-$2k. The lady that answered the phone started talking about me although it said I was approved online that does not mean I can get a loan for that amount unless I have strong collateral anything with a title. So she looked at my credit then asked about my truck which was paid off, then she went on to inquiring about my car that I still have a lien on from my credit union.

The people at Springleaf are professional and caring people. When we got our loan the care we received was very personal and helpful. They walked us through each and every step. Would definitely recommend them to everyone and will definitely do business with them again.

Was unable to get there before the end of month but Ian didn't care. Was able to get there on our timeframe and it worked out... thanks Ian. He always keep in touch with me throughout the loan process. Great service.

Do not use these **. They will say your application was approved for a loan, tell you to come in with documents and completely waste your time. "Well we actually cannot give you the loan" - total waste of time. This company bonked its head.

My husband and I was helped by the Branch Acct Mgr. Robert was very helpful answering all our questions. Also explained the whole loan to us so we were well informed. Robert had a very pleasant personality. It was a pleasure to have him help us. We would gladly recommend OneMain to friends and family.

What a joke! I had 2 loans through them from 2 different branches which were paid in full with no late payments ever. Applied for a new one at a different branch, and was denied because my car was too old? Way to make title loans legal again in North Carolina. And I continue to get their letters offering a loan. Leave me alone wackos. I got a much better rate elsewhere without your insane interest, thanks!

I was very satisfied with the experience that I had with OneMain. They are knowledgeable, friendly, understanding. I will give them a ten rating because of the courtesy, politeness, knowledge, and quickness of helping me in my needs. I will be back. There is no doubt in my mind.

I have been very ill and in the hospital. During that time, my bills have gotten very behind. Thursday, September 15, 2016. I filled out an application with Lending Tree and a representative named Ahmad, called me. He asked me some questions and then asked me to go to the Social Security Office and get a benefit statement. I did as he requested and faxed the information. I did not hear from Ahmad anymore. I called him and he would not take my calls or return my calls. He did not even have the decency to call me and just say, "Sorry. I'm afraid we will not be able to help you, Ms. **."

I had some moment which bothered me a little too much. I began to read brochures, flyers, and letterheads to determine my best decision on loans and finance companies. Reading about One Main Finance, I called them. At first they were eager to assist me. Explaining every detail, to help you decide on working with them financially. I made a good decision getting involve with One Main financially. Getting great assistance is not all in the package. You gain knowledge of financial detail to become more aware of your needs for the future.

I needed money to consolidate my bills. I was running out of time. My electric was going to be cut off by the end of the day. I was trying everything and everyone to get a loan. I came home and got on the computer. I went to the first site I seen. It was LendingTree. With very little info they got me one loan offer. It was OneMain Financial. I called them up and gave a little more info. The next day I had a unsecured loan for 2500. I knew that evening what I would get. They saved my life. I can tell them how much they helped me. But until they went through it, they couldn't really know. I would recommend everyone of my friends and family to get a loan from them. Thank you, OneMain Financial for all your help.

Privacy of my loan. When I applied for my loan the gentleman and I discussed what I wanted and what he could probably get for me. A day later he called me back and told me my options. I agreed, made an appointment, went into the office, signed paperwork and got my check, shake hands and left.

Excellent company to deal with. Help boost your credit better. Also pays off some bills. I would like to recommend anyone to go their company. Everyone very experience. It's for everything you need to take care of everything - bills, personal.

I have used Springleaf services two (2) times. The first time was to purchase Christmas gifts for the family. The second time was to have trees which were endangering the house removed. Each time I was treated with respect and courteously.

This was the easiest loan I have ever gotten. They made it fast and simple. I would absolutely use them again and recommend to anyone. They don't judge you and you just walk in, sign, and go with your money. They have a ton of options for you.

Loan helped me in a big way, put my mind at ease knowing I was able to pay off my medical bills. Best experience I have had in a while. The staff and the representing made me feel comfortable about getting the loan.

I recommend Springleaf to everyone I know! Their customer service is #1 to me! They explain everything so you understand, answer every question, very polite and they work hard to help their customers! To me Springleaf is the true meaning of customer service.

I was told that the auto club was part of my loan package and that the $199.00 was already factored into my loan. I do not need this auto club. I was lead to believe it was free. However, I had to sign papers so that the money would be taken out of my loan and then sent to the auto club. So how was this free?

Do not apply here!!! Stay away. They are car sharks!! I called today and spoke to an idiot in the office. I asked about details of the type of loans and the process. The idiot said they have a really easy process that you are not denied based on credit, but even if bad credit your application will be reviewed by a manager and may be approved for a lower amount. But it may take up to 24 hrs. I kept her on the phone while she ran my credit. When she came back she asked if I owned a car. Huh WTF. "No I make payments as my credit shows." "Oh we can't approve you. You have to have a car or boat title." WTF. The phone is a wonderful!! Glad we were not in the office. Then when I told her she never mentioned it, she said, "Oh, we use TVs as collateral." WTF. I'm going to talk to the manager!! This is ridiculous.

I started a loan with Springleaf 18 months ago and never had a late or missed payment. The payments were debited out of my account when requested without any problems. I called Springleaf to renew my loan and they offered me a lot more than what I was originally asking. The loan has decent terms and the people at the Harahan location are very helpful and offer great service. If you're applying for a loan at Springleaf, you most likely do not have an 800 credit score, so don't expect a loan at 4%. What they do offer is a simple loan and a chance to rebuild your credit. The interest rates are a little higher, but when you have fair to poor credit ALL interest rates are higher. I highly recommend Springleaf and will continue to use them in the future. Give Springleaf a try if you need help.

I was approved for 3,500 but when talking to an agent you need equity provided. I have a title for a car but not enough equity and even though salary was more than enough it requires equity, budget, and salary--1 out of 3 don't match up you're denied. Why risk a hard hit and they say you're approved when there are other requirements that are not specified. This was a waste of time, and the loan specialist determined equity was needed even though income was over 10,000 a month. This is an unfair assessment. Why approve the loan or say the risk is good through Credit Carma? This is totally false. Say you need all 3 upfront before applying. I didn't need the money, just wanted to build credit history now I'm stuck with a hard hit and no loan that stated I was approved for. False advertisement.

I believe around November 2014 I needed some extra money. I had spoken with someone from the Tempe branch. I went into the office to sign the papers. At that point they told me I had to use my car as collateral and explained that I had to borrow enough to pay off all debts. I was on medication and wasn't thinking clearly. Bottom line, I fell behind due to 2 auto accidents caused by others and my disability. I worked out a deal with the branch manager. Borrowed back payments from a friend and dropped it in their night drop. They claim the never received it.

Recently my husband and I found ourselves in need of a vehicle. We had been receiving cards and literature from OneMain in the mail. So, we decided to give them a call and see if we could do business together. We decided to go to their office the next day and were very pleased with their professionalism and with how quick everything was processed. We would do business with again and would highly recommend to anyone needing a loan.

I have NEVER applied with these idiots but every 3 months I get a hard inquiry on my credit report. I have excellent credit and don't need their very high interest rate loans. I wrote to their home office and the local office and told them to stop pulling my credit but they refuse. I will now be filing a Federal lawsuit against them for falsely pulling my credit report. Avoid this company at all costs as they seem to be no better than a payday loan company.

Being a customer of Springleaf Financial, in good standing, I assumed that all of the bad reviews were the product of disgruntled consumers who were turned down, for valid reasons. I hereby apologize to most of you. Springfield Financial, does indeed, use fraudulent advertising and loan approval notices. I had several accounts that were opened, and then closed, that were in very good standing. I was never late in a payment, and in fact, used their auto account debit feature. My accounts were closed through business acquisitions and loan transfers to companies that they merged with.

I'm very Disappointed in this loan company. I called to get a loan on the phone, they approved me and I went to sign the paper work, then funds automatic deposited into my account. So then I payed 9 payments on time. Never late. The manager told me they will help after 6 months on time payments, so then I really need the money so I call to renew my loan 3 different times and was denied all 3 times. She tells me they have changed the rules of borrowing, they gave no notice of the change. I feel at least they give a notice things have changed. Also I referred a person that borrowed over $3000 dollars and they are also making on time payments. I feel they are treating me wrong. Also my credit is better now than when I got the loan. So I'm going to finish paying off the loan, but will never borrow from this place again and no referrals. I'm very unsatisfied.

So I have been trying to rebuild my credit after a divorce from a few years ago. I needed some extra money to pay off some things and for new tires for my vehicle. I got online and applied for the minimum amount of $1500 through Springleaf and receive an Approval notice with no collateral. The email said for me to contact the office to set my appointment, to bring in my ID, Check stubs and proof of residency. That was it. It does not say anywhere on the email that I had to go through further approval. I spoke with the office and she said she just needed to ask me questions about my income so that I could come in this afternoon to sign the paperwork. I gave her all of my information she asked for. I then get a callback a few hours later saying I'm not approved.

My husband and I are very satisfied with the experiences that we have had with OneMain. They are knowledgeable, friendly, understanding. They have been there for us a few times. And we will and have given them a ten rating because of the courtesy politeness, knowledge, and quickness of helping us in our needs. I will be back there is no doubt in my mind.

My wife and I needed a loan to consolidate some bills. We received a card in the mail from OneMain so we decided to give them a try. We found obtaining a loan with them was very simple and easy. Thanks to OneMain we were able to get our loan and save money by consolidating our bills. Thank you OneMain.

Paid off our loan on 8/8/16. Had to call to get copies of paid off loan, then still didn't get copies until the 31st. We are still waiting for the title of the truck. I have called 3 times - same runaround waiting on DMV etc. We traded the truck on the 29th and still waiting on title. Worst customer service. You are right they don't care.

Springleaf employees have always been eager to help me with any and all of my questions &/or needs. I would put it best by saying, "Springleaf has exceeded my expectations as the customer". Believe me, with 300 of my own customers that is hard to do. It's nice for once to know that when I am the customer I will be treated how I strive to treat my customers everyday. Thank you Spring for making the loan process quick and easy.

Applied for a personal loan of $7500. Did application online through Lending Tree. Decision from one company that would help which was Springleaf. Waited 3 days, getting emails to follow through with applying which I did by calling Springleaf and giving all my info to the rep. Was told I met the qualifications and was forwarding my call to my local branch. Rep came back and indicated the branch would contact me in an hour. 4 hours later, no call. I called the office and was informed they had been swamped and would submit the application. 1 hour later, got a call that loan had been approved for $3500. Asked me to come in and bring proof of income, voided check and ID. I arrived with the info and was informed that they would have to use $1700 of the amount to pay off a loan that I have in order to qualify.

Was checking their rates, much like many other competitor sites. The next day I get a credit score update about a hard pull. It was not clear that they were hard pulling for a brief application. I applied on a couple other company sites and they soft pull. So, I was confused why they would hard pull for just a interest rate check. Called to see if they could correct, the customer service employee had no idea how to handle the situation. Asked for a manager, was placed on hold for over 30 minutes before I hung up.

I am a ongoing customer with Springleaf and was contacted a few days ago about expanding my loan for any of my needs. I went through the process and was told I could get up to 700 dollars and the manager would look it over for approval only to be denied after they are the ones that called me and then did a credit check for nothing. It really makes me mad. They should have not called me unless I was already eligible for extra cash.

My wife and I are very satisfied with the experiences that we have had with One Main. They have been knowledgeable, friendly, courteous, and understanding. They have been there for us a few times when other financial institutions weren't. Thank you.

I received the info in the mail. Being that I had a pending dental procedure, which my insurance didn't cover, I decided to give it a try. The representative took all my pertinent information, was informative and extremely cordial. The next day I received a call that my loan was approved. I went to the local office near me and by the next morning my monies were in my account. Thanks to OneMain I was soon smiling again. I will be forever grateful for all their help.

If you want a scam loan then Springleaf is the place you want to go. When they open a loan for 4,000.00 after three weeks of having the loan I went into Springleaf financial and paid the 4,000.00 I borrow. The lady said I owe 250.00 for application and other fees. It went from 250 and 5 month then $949. All of this was strictly Springleaf's FEES ONLY. Keep in mind I was getting a statement every month that says current balance 0, past due amount 0, past due charges 0 but I was charged. Like I said if you want to be scammed go to Springleaf.

OneMain has helped me out of more than a few difficult financial situations. They are always friendly, knowledgeable whenever I call. The loan process is quick and painless.

Troubling times... That's if you're a Springleaf customer. Never have I been so upset at myself as I am now for starting a relationship with Beneficial (HSBC) and now Springleaf. Bottom line... Worst customer service, totally crappy monthly statement and I've never EVER seen interest rates on a personal loan that high. And forget it if you need to speak honestly about what you and your family might be going through. They don't give a ** about what you're struggling with. Not a single thing about this company impresses me. Truly am sooo sorry I started doing business with these crooks and scammers. HIGHEST INTEREST RATES IN THE ENTIRE INDUSTRY. Better off going to Amscot or anywhere else.

I had to go out on disability (emergency situation) which put us in a financial downhill spiral. During this time we were able to do some payment deferments with (formerly Beneficial). We were told this would not reflect negative on our report and those payments would just be added to the end of the loan. I get a call from Springleaf the other day asking for the balance of the loan. Informed me the deferments were now due. She was kind enough to let me extend those payments but they have reported me late on our credit report. It has taken me years to recover from our hardship all for this to now happen.

I filled out an online application for Springleaf. It plainly stated this would be a soft pull and would not show up on my credit. They then did a hard pull or inquiry on not one but two different credit reporting companies. I filed a dispute and Springleaf stated to the credit report companies that I agreed to it. I did not even call them and went elsewhere for my loan. When I called and asked them to remove the inquiry they refused. Don't go near this company. They are liars and crooks.

Someone from Springleaf called me last Thursday to see if I wanted to refinance my loan. I told them 'yes' because I'm having a time with bills. The lady told me I should hear something by yesterday Aug the 15th. Never heard from them. I called her to see what the deal was. She said she was waiting on her manager to get back to her because they're shorthanded. It's Tuesday the 16th and still haven't heard anything.

Springleaf - Orange City Florida Branch. I had been approved for a loan by last weekend, BUT today 8/15/2016, @ AM Silvia called me and left me a voicemail and I just called to 386-774-0777. MICHAEL answered me, with probably problem in his ears or maybe didn't understand me that I asked for SILVIA and he said, it's not Silvia working there! OR because his discrimination attitude AND I called back, with the SAME problem with ANGELA **. Staff looks forward to service?Friendly??? NO WAY... Finally I talked to Silvia but the interest of 30% is crazy! Maybe your STAFF needs more training.

I am writing in regards to the Lynnhaven Branch in Virginia Beach VA. First off I will say I have had 2 loans with them before and absolutely NO PROBLEMS. Yesterday I submitted an online application and was approved for 2000. Today a rep calls me and to verify items and told me my budget won't allow them to approve the loan. I have no bills at all, my fiance pays everything our household. I receive PT paychecks weekly and my VA Disability. When I asked about their budget system Keshell stated that they had to go by the accounts on my credit report and the minimum payments. Great BUT I don't pay that, my fiance does. So then she convinced me to add him for his income. 2 HARD PULLS later she calls back and says it's still denied...

Received an email from Lending Club to apply. I have read over and over the negative reviews about Springleaf Financial Services but stupid me I applied after receiving the email from Lending Club. Said Springleaf Financial what is a trusted lender and would be able to help me and also stated Springleaf Financial Service accept any credit received a call after applying from customer service. She verified my information and asked me for collateral. I told her I didn't have any collateral. She ask for a co-signer. I told her I didn't have a cosigner and she said my application was denied. I told her the email didn't say I needed collateral or co-signer and even on their website it doesn't say cosigner or collateral.

I believe this company participates in unfair practices. They approved me for a loan of 5,000. Didn't say I needed anything prior. After that I received a call and they stated did I have a title to put up for the loan. I asked, "Why doesn't it say that's needed prior to applying?" Agent apologized and hung up. This resulted in a hard inquiry on my report and I feel Springleaf should be more transparent in their practices.

When no other finances were available, OneMain got me the money I needed with no hassles. The best thing was I had the funds were in my bank account available to me the same day. Thank you OneMain.

I have an auto loan with this company and I changed my insurance company. All the appropriate letters were sent to everyone. Springleaf responded by saying they didn't like the address my insurance company used and they would not accept it. So my insurance company changed the address and sent it to them again. I got no response until a month later they said they still had not received anything and that they were going to charge me their insurance, so I again sent it to the fax number on the letter that they sent me.

I went through personalloans.com who referred me to this company. My credit is fair, just a few credit cards with high balances, thus my reasoning for wanting a personal loan. I submitted my paperwork online and submitted my pay stubs online via their website. A rep called me the next day, went over the same questions I answered on the application. She asked me to submit pay stubs which I did the day before online. She comes back to the line to tell me I don't have enough income???

I LOVE the experiences that I have had with OneMain Financial in Burlington, IA. Gina and David are the best. They're not only professional, but they make you feel like you are a friend and not a customer. The last time that I was there to refinance my existing loan, I was in and out within 15 minutes and they exceeded my expectations in every way. I will definitely continue to use them in the future.

All the bad reviews are correct. I am a client of this company and I wanted a few extra dollars for vacation and to do some repairs on my truck. In the past I received great service but the recent experience I received from this company was terrible. I had to wait two days to receive an answer and they turned me down. In addition to the wait I had to keep calling several times and I was treated as if I was a new customer in which I felt I kept getting the runaround.

Not having perfect credit, I can't go just anywhere for a loan. Springleaf makes it possible for me to obtain a loan & in turn improve my credit score. Natalie was friendly & helpful, a joy to work with. I do wish the interest was a bit more fair. 20 - 25% would be much more so & wouldn't feel like I was getting gouged.

I was in need of some money to do some repairs on my car. My credit is not great, but Springleaf was able to help me out. They didn't try to force anything on me that I didn't want. Everyone was so professional and polite.

Unsecured loan for a vacation trip to Florida which we really needed and couldn't of done it without the help of Springleaf Financial and want to say thank you very much and look forward to doing business with you again in the future and hope the outcome is the same.

Please do not do business with this company. They are nothing but liars. My credit was low, because I was young and was building my credit. Decided to go with this company because they worked with low credit and my mom was with them. But I should have known they were bad news, because my mom is still paying off a bad loan they gave her. Before I signed, I asked them if I wanted to pay the loan off early, would I be charged the interest and they told me no.

I've been a repeat customer at OneMain Financial for almost thirteen years. I work with the great people at the Ft. Lauderdale office on N Andrews Ave. For anyone that is uncomfortable about dealing with loans, credit or anything like that Nathan who is the branch manager and his staff will put you at ease. Each and every person that I've dealt with there is willing to go the extra mile for their customers and get you what you need. They listen to your need no matter how personal it is.

I cannot express how great the customer service was. Thank you so much. Felt so comfortable and the process was smooth. If all business were run this way there would be a lot of happy people out there. Thank you very much.

The Staff was very friendly and helpful! The loan process was quick and hassle free. The only complaint is the interest rates are very high, but if you need money quickly and have no other alternative OneMain is the place to go for quick cash when needed! My experience was fast and got what I needed in a day!

Springleaf has help me so much on things I needed help for asap - Medical bills, car repair, the most major things I needed to continue and they were there for me. I am so grateful. I was able to have a little cash over to pay other little bills to keep up. Even to get some of my medication when I didn't have the cash.

I recently moved from one state to another. My original home state kept my auto title as security for a loan. When I moved I needed the title to register my vehicle. A request was made to my original Springleaf office. After waiting for 30 days I was informed, 10 times, that the title was in the mail. I had to obtain a temp registration. I have now been informed by the local office that the title has been LOST and it will take 30 - 45 days to obtain a duplicate. I have been able to get another 30 temp registration - but was informed a third extension will not be made and I will not be able to drive my car after 30 days without registering the title. How do you lose an important document like a car title by mail? Do not send it registered, that's how. Will never do business with Springleaf again nor will I recommend them.

They were able to take care of most stuff over the phone, informing me about the loan and the office visit itself was able to be completed within 10 minutes. The funds were available right away and they helped get me out of some financial trouble. However - I did ask the representative over the phone if there were any initial startup costs on top of regular interest, which was one of my deciding factors in pursuing the loan. Over the phone I was told that there was not, and that collateral or personal assets wouldn't be needed to secure the loan. But when I arrived in the office, I had to list an appropriate value of assets that "will not be used, and we won't come take your stuff if you don't pay" and I discovered on the terms contract, that there is a 200+ dollar processing fee.

I'm still shopping and reading reviews from customers. I needed a loan but don't know where to apply yet. I never have an experience with Springleaf, but the reviews I read is alarming and I certainly DO NOT want to take a hit on my credit score. My roommate messed up my credit, and I'm just now starting to build it up. As of now, it's 705. I also have a letter from Springleaf saying that I'm prequalified for a secured loan for up to 7,500. Went today on one of those car title loans, cut the crap and straightforward asked her for a quote. The interests is 113%. RIDICULOUS!!! Anyone who knows where to get loans with a reasonable interest, would appreciate it.

I'm having tough times and considered taking out a personal loan. I applied online and called the local branch. I wasn't approved for the amount requested but I was fine with receiving a smaller amount. I went into the office and was told I actually wasn't approved for the loan because I didn't meet the income requirements. The employee I spoke with entered my income information into the system wrong and I received false information. I'm not happy with my first experience with this company and I will not be returning.