OneMain Financial

I called the application number of OneMain for a small personal loan of 5000$ to consolidate my low debt and to build credit so I can purchase a home next yearI applied once, but for some reason they repeatedly processed me without my initiation and it appears as though I have multiple loan requests, but I only initiated one loan request and one credit check
Someone in the application department called me shortly after submitting an online requestAfter providing an excessive amount of detailed personal information I was approved for a very small loan of 2800$ which they said was based on my credit and retail store card payment history, which is excellent by the way, and an average FICO score (it was very low after a financially devastating divorce seven years ago, it is now 650)I was told I would need to use my car as collateral, which seemed excessive and ridiclious to me, but I felt if this made them feel more comfortable, fineI made it clear that I only use my very old Subaru (1999) for running errandsI don't use it for commutingIt is garage keptIt is a limited edition outback in excellent conditionIt's old, yes, but it suits my needs, it runs great, looks good, and it is reliableThe Kelly Blue Book street value is about 2500$I was told this was fine and that the loan was approvedI uploaded all the necessary documents, including paystub, insurance, registration, DL, basically, a lot of very personal information
I was told the loan was approved and in process at my local branchI was told I would have to go through a local office instead of online because I live in NY? I spoke to the *** NY branch the next morning with a woman named Cassandra and was told that the milage on my vehicle is wrong because the car is old and it can't be under 200,miles and end in a 000! I was asked to check the milage againI was not in my car at the timeI called back and said yes, I was off by She then told me that the valuation on my car by the application department was too highI replied that it was actually low according to Kelly Blue BookShe said that the difference in milage of will probably disqualify me for the loanI explained that even if there was a mile difference the valuation would not change all that much, the car is still worth more than they were saying it wasAdditionally, since I don't have a car payment, this makes me a better loan risk because I don't have car payment debtShe said again that she would call me right back
I was not called backThe next day I called the application department and asked about the valuationI told them about the situation with the mileageThey called the branch, I was again told by Casandra that she'd call right backShe did notShe called hours later and said my loan was declined, after it was already approvedI asked why and she said because the milage was too highShe said that the application department approves everyone and that the branches are the one with the power to make those decisions, not the application employeesI asked to speak to a manager, I was told he would call me the next morning at 9AM
The branch manager called me this morning and said my loan was denied because it is OneMain's policy to not use cars that are years oldThis is AFTER the application department said the value was high enough to use as collateral combined with my credit score, payment history, and incomeI told him off, admittedly I was steamed
Needless to say, I'm appalled and disgusted by the way I was treatedThis company gathered A LOT of very personal information about me including my bank account number, social security number and card image, credit report, FICO scores, DL, registration, car info, employer info, pay stub, the whole shebangThey approved the loan then turned around and unapproved it based on the milage of an older model vehicleI feel there is discrimination against women with this company and I also feel they go through this sham approval process in order to get and sell our personal informationWe're talking about a 2800$ loan here that I can pay off in three months
I'm just glad I didn't give them my actual pay bank account numberI gave them one I use for online purchases and keep a low balance on! Do not trust OneMainThey reel you in, waste your time and play the bait and switch game just to get your personal data to sell and useMy pay is good, I have a low debt to income ratio, and I'm responsibleMy credit will progressively get better, when it does, I can promise you that I will not bring my business to this company or any other company like it that intentionally falsely approves loans just to get personal data

One main financial is very dependable and helpfulI would recommend them to everyone

one main is the best everthey helped me when no others would I was in dire need of a roof replacement, I tried everywhere even my mortgauge lender who flat out denied mego figure my home there roof and investment they denied me my lender would have rather my roof collapse then give me a loan to fix itAll I know is I am grateful for ONE MAIN for being there I will in the futue borrow again if needed ,
John C ***

Very unprofessional staff never answering your phone for days and they keep telling you someone will call you back by the end of the day, and never never they call you backDon't even bother to get a loan there if u need fastIt took me weeks to get a $loanNever will use mainland again

Very easy and very professional! Made me feel comfortable about the whole thing And make it super easy to make payments and work with you very well if anything comes up!

Easily got a loan through them when I needed it the mostVery helpful people in the officeMy only problem is the super high interest rate! Its *** how high it isYou pay back more than you got

They have been really good to meI never thought I would get a loan and this company helped me out so much

I found the staff at the Springfield, Ohio office to be very friendly and courteous especially ValVal is the one who helped me with my loan and any questions I had

All was as expected in terms of requirements, APR and payments details

Very professional and caring staff

These people at the onemain office *** *** ***, indianapolis, is is a piece of workI called in on dec 4th asked for manager John and he was unavailable spoke with at person name Justin and advised him of my financial issue for the month of dec Justin then stated its ok we will defer your payment for the month of dec and to resume payment Jan I get an email today 1/5/about my paymentCalled the office to speak with manager John for him to tell me I didnt make a payment for last month DecI explained to him the conversation me a justin had and the payment was deferred for decJohn stated with a deferrment there is still a portion of the payment that is still dueAs a customer Justin should had stated thatNot one time did he say anything about a deferement payment stillJohn then stated then I must have understoodNO it was never told to me first the startJustin stated to just start up payment again jan The staff is rudeAs I stated I can only do what the employee allows me to doI dont work thereAnd what justin stated dont worry about the payment for dec its deferred....rude *** people

Kind ,polite and straight

Great Service so far

First I'd like to thank the representative that assisted me in my financial need , I can't remember his name but he was very professional and courteous

Our AC unit was installed by some amazing professionalsThey were courteous and did a tremendous job of running the lines tight to the rafters in our basement so we can finish the basement without complications when adding a ceilingThey went out of their way to do the installation as if it were their own homeTheir care for my home and pride in their work is easy to see

Very fast and friendly services

I'm going through a huge financial hardship and I thought there was a way to qualify to not have to pay my LoanI have no money to feed my children or buy them clothesI called and emailed the company and no one will get back to me

We had a Great experience!

OneMain Financial was very helpful with my loan I completed some of my paperwork online and the lady in the office helped me complete the rest I was in and out within a hour with my loan So far I have had no problems at all Very helpful staff

Working with OneMain Financial was easy and quickThe whole process took less than a week and everyone was very helpful and friendly