OneMain Financial

Complaints & Reviews on USAComplaints

USAComplaints currently maintains 68 historical complaints about OneMain Financial, published between 2004 and 2013. No approved complaints have been published on this site during the last three years. For a current reputation snapshot, see the independent sources below.

• Late fee and default charged after payment slot drop-offPublished Jul 3, 2013 · Historical consumer allegation
• Lost car title after loan payoff and told to apply ourselvesPublished Apr 10, 2013 · Historical consumer allegation
• Post-dated check deposited early causing overdraft, agent gave conflicting storyPublished Feb 18, 2013 · Historical consumer allegation
• Calls to family members after falling behind on paymentsPublished Nov 2, 2012 · Historical consumer allegation
• Constant daily calls despite debt management program paymentsPublished Oct 31, 2012 · Historical consumer allegation
• Loan secretly restarted as new seven-year loan after rate-lowering offerPublished Oct 22, 2012 · Historical consumer allegation
• Car title not returned after personal loan paid offPublished Oct 3, 2012 · Historical consumer allegation
• Pre-qualified solicitation letter followed by loan denial and credit inquiryPublished Sep 27, 2012 · Historical consumer allegation
• Harassing calls to friends and relatives by branch managerPublished Aug 10, 2012 · Historical consumer allegation
• Payments applied only to interest on refinanced loan for 12 monthsPublished Jul 5, 2012 · Historical consumer allegation
• Charged for refund check never received after loan overpaymentPublished Jun 4, 2012 · Historical consumer allegation
• Refinance promised lower rate but left high payments and no escrowPublished Jun 4, 2012 · Historical consumer allegation
• Phone assurances about loan requirements proved false, outdated report pulledPublished May 27, 2012 · Historical consumer allegation
• Taken to court and wages garnished while making paymentsPublished Apr 29, 2012 · Historical consumer allegation
• Employee told disabled borrower to go hustle for a paymentPublished Apr 23, 2012 · Historical consumer allegation
• Refinance and deferments added fees while paying only interestPublished Mar 22, 2012 · Historical consumer allegation
• Credit insurance would not cover unemployment after taking extra loanPublished Mar 12, 2012 · Historical consumer allegation
• Branch gave $10,000 loan with high interest and delayed title releasePublished Feb 24, 2012 · Historical consumer allegation
• Repeated recertification demands for permanent disability insurance claimPublished Jan 24, 2012 · Historical consumer allegation
• Payment arrangement reversed and extra $150 a month demandedPublished Nov 23, 2011 · Historical consumer allegation

Complaint Themes

Each tag reflects a complaint's single primary theme (not every angle it raised), and complaints outside any problem theme — a positive report, or one later retracted by its author — aren't tagged. Counts may total less than the full complaint count above.

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

Contacts & Login

• Official website (OneMain Financial): https://www.onemainfinancial.com/
• Loan payments and AutoPay changes (Mon-Fri 8 am-9 pm ET, Sat 9 am-6 pm ET): 833-390-2034
• Account help, payoff quote, loan documents (help center): 833-390-2055
• Optional insurance cancellations: 833-585-1869
• Optional insurance cancellations: [email protected]
• Data security incident questions (Mon-Fri 8 am-8 pm ET), per notice letter: 1-833-516-9566
• BBB-listed main number: (812) 424-8031 1 complaint mentions this number
• Online account log-in: https://www.onemainfinancial.com/log-in

Locations

OneMain Financial problems: pay, payoff, title, cancel add-ons, data incident letter, complain (checked October 11, 2026)

OneMain Financial is a branch-based installment lender. Its help center lists these routes; use the number or page on your own statement if it differs.

• Pay: online at OMF.com/login or in the OneMain app (bank account or debit card), AutoPay, by phone at 833-390-2034, in a branch, in cash at participating CVS, 7-Eleven, Casey's General Store or Family Dollar locations, or by mailing a personal check, cashier's check or money order to the address on your billing statement.
• Cancel or change a payment: a one-time payment can be cancelled in the online account or app under Manage Payments; an AutoPay schedule is changed by calling 833-390-2034.
• Cannot pay: the company asks you to call a branch or 833-390-2034 to "walk through your options" and says late or missed payments are reported to the credit bureaus and may stay on a credit report for up to seven years; for daily simple interest loans, paying late can increase the interest owed.
• Payoff: request a payoff in the online account or app (a loan specialist calls within 24 hours, per the help center) or call 833-390-2055. The help center says there is no prepayment fee on a OneMain personal loan.
• Title after payoff: for a secured loan the company says it releases motor vehicle liens within approximately 15 business days, with timing varying by state law; for title questions the help center gives your branch or 833-390-2034. Paid-off loan documents are in the online account and app and are available to download 90 days after payoff, or call 833-390-2055 for a mailed copy, per the help center.
• Optional insurance or coverage you no longer want: the help center says you may cancel at any time by emailing [email protected] or calling 833-585-1869. Check the "optional products" lines in your loan agreement.

If you received a data security incident letter. The notice dated September 28, 2026 offers 24 months of credit monitoring and identity restoration through TransUnion and says you must enroll by December 31, 2026; the letter's question line is 1-833-516-9566. See the record sections below for what was filed with regulators and courts.

Complaint routes outside the company: the CFPB accepts complaints about personal loans at consumerfinance.gov/complaint/ and forwards them to the company; your state attorney general or state financial regulator also takes complaints about licensed lenders. To dispute an error that OneMain reported on a credit report, the CFPB explains that you start with the credit reporting company in writing, with supporting documents.

Regulator actions: CFPB 2023 order, New York DFS 2023, 13-state lawsuit 2026, 2015 merger review

CFPB consent order, May 2023 (administrative file 2023-CFPB-0003). The CFPB's order of May 30, 2023 (filed May 31) names OneMain Financial Holdings, LLC; OneMain Financial Group, LLC; OneMain Financial (HI), Inc.; OneMain Financial, Inc.; and OneMain Financial of Minnesota, Inc. The CFPB found that, in connection with loan originations and renewals, the company sold and financed optional add-on products (credit life insurance, credit disability insurance, identity theft protection) and that it deceptively told customers who cancelled them in a "full refund period" they would be returned to the position they would have been in, while interest was not refunded; it also found deceptive practices about whether add-ons were required, unfair practices in charging and not refunding the full premium and interest on add-on products consumers did not agree to purchase, and abusive interference with consumers' understanding that they were optional. The order requires the company to stop those practices, "adjust its policies to make cancellation of add-on products easier", "include interest in refunds after add-on product cancellations" (the CFPB page's words), pay redress "not less than" $10 million and pay a $10 million civil money penalty. By the Stipulation, the company consented to the order "without admitting or denying any of the findings of fact or conclusions of law" except those establishing the Bureau's jurisdiction. By its terms the order terminates 5 years from its effective date, or 5 years from the most recent date the Bureau initiates an action alleging a violation of it (paragraph 134). A termination of the order was not identified on the CFPB page as displayed on October 11, 2026.

New York DFS cybersecurity settlement, May 2023. The New York Department of Financial Services announced on May 25, 2023 that OneMain Financial Group LLC "will pay a $4.25 million penalty" for violations of its Cybersecurity Regulation (23 NYCRR Part 500), saying the company "failed to effectively manage third-party service provider risk, manage access privileges, and maintain a formal application security development methodology", and said the company "has agreed to engage in further significant remediation measures." The press release is the source for these terms; the order itself was not opened for this page.

Multistate attorney general lawsuit, filed March 16, 2026. New York, with 12 other states, sued OneMain Holdings, Inc. and five affiliates in the Southern District of New York, alleging misleading customers about add-on products such as credit insurance and home and auto membership clubs, adding them to loans without consent, and not disclosing their cost with interest until after closing. The states seek restitution, penalties, disgorgement and an injunction. These are allegations. The company told reporters the practices had been reviewed with the CFPB in 2023 and that "the states' allegations are simply untrue." See the litigation section for the docket status.

2015 merger review. According to OneMain Holdings' 10-K for fiscal 2015, on November 13, 2015 the company entered a settlement with the U.S. Department of Justice and the attorneys general of Colorado, Idaho, Pennsylvania, Texas, Virginia, Washington and West Virginia that allowed the OneMain acquisition to close and required divesting 127 branches across eleven states (the 10-K refers to a proposed sale to Lendmark Financial Services, LLC). This concerned competition in lending markets, not consumer billing.

Data security filing, September 2026. The California Attorney General's data breach list shows an entry for "OneMain Financial Group, LLC" with breach dates May 5 and May 8, 2026, reported September 25, 2026; the sample consumer notice is attached to that entry. The notice, dated September 28, 2026, says the data involved "your name, address, [redacted in the sample] other account related information". The company's filing with the Texas Attorney General's data security breach reports, published September 25, 2026, lists "Name of individual;Address;Social Security Number Information" as the types of information affected and 15,472 Texans, with notice by U.S. mail. These are the company's own filings; the Harris complaint described below is an allegation, and no nationwide total was found in the sources checked on October 11, 2026.

Who is OneMain Financial: OneMain Holdings, Springleaf, American General Finance and CitiFinancial

OneMain Holdings, Inc. (NYSE: OMF) is a publicly held holding company headquartered at 601 N.W. Second Street, Evansville, Indiana. Its 10-K is a combined report with its wholly-owned direct subsidiary OneMain Finance Corporation (OMFC), which issues the group's public debt. The licensed lending entity shown in the website footer and on the BBB headquarters profile is OneMain Financial Group, LLC (NMLS# 1339418).

How the names relate. According to OMH's 10-K for fiscal 2015, on November 15, 2015 OMH (then named Springleaf Holdings, Inc., which changed its name to OneMain Holdings, Inc. in connection with the deal) acquired OneMain Financial Holdings, LLC from CitiFinancial Credit Company for $4.5 billion in cash. The same filings list Springleaf Finance Corporation as "formerly American General Finance Corporation", and the fiscal 2025 exhibit list names OneMain Finance Corporation as "formerly Springleaf Finance Corporation". That is why older complaints on this site name American General Finance, Springleaf Financial or CitiFinancial. This page links complaints that name American General Finance, Springleaf or OneMain; complaints that only say "CitiFinancial" were not linked because this page does not rely on an unsourced continuity claim.

Products (company statements). The 10-K for fiscal 2025 says the company offers personal loans, secured auto financing at the point of purchase, BrightWay credit cards through a third-party bank partner, optional products and a financial wellness platform called Trim by OneMain; that it had $24.8 billion of finance receivables from about 3.6 million customer accounts at December 31, 2025; and that its branch network "of more than 1,300 locations" operates in 48 states. Foursight Capital LLC was acquired from Jefferies Financial Group effective April 1, 2024, per the same 10-K.

Costs (company's fee page). OneMain says it makes personal and auto loans from $1,500 to $30,000; that origination fees are a flat $25 to $500 or 1% to 10% of the loan depending on state; that late fees range from a flat $5 to $30 or 1.5% to 15% of the payment amount or delinquent portion depending on state; and that NSF fees range from $10 to $50 where permitted. Fees are disclosed on page one of the Loan Agreement and Disclosure Statement. The page lists Alaska, Arkansas, Connecticut, the District of Columbia, Massachusetts, Rhode Island and Vermont as states where its personal and auto loans are not offered.

Complaint record: this site, BBB, CFPB database and Trustpilot as displayed on October 11, 2026

This site. The archive search run on October 11, 2026 found 68 approved complaint posts linked to this company (dates 2004 to 2013): 47 name American General Finance or its financial-services variants and 23 name Springleaf Financial or OneMain Financial. Machine-spun copies and a non-complaint post that were found while reviewing were removed from this count. Posts about advance-fee loan offers that only used the name "American General Financials", counterfeit-check mailings using the Springleaf name, and unrelated businesses with similar words in the name were not linked. In the linked posts, keyword counts (a post can appear in several) are: payment, payoff or balance disputes 31; interest rate, fee or total-cost complaints 25; credit insurance or add-on coverage 17; collection calls, visits or harassment alleged 15; title or lien release delays 15; credit reporting 13; lawsuits, judgments or garnishment 13. These are authors' allegations, not findings.

BBB. BBB profile for OneMain Financial Group, LLC, Evansville (headquarters), as displayed on 2026-10-11: BBB Accredited, rating A+; 1,225 total complaints in the last 3 years and 324 filed in the last 12 months; 4.28 out of 5 from an average of 2,490 customer reviews. BBB's raw page data gives accredited since 1985-03-01 and incorporated 1974-02-26.

CFPB database. Under the company name "OneMain Finance Corporation" the database shows 12,657 complaints received from 2020-05-16 to 2026-10-06, of which 3,856 were received since 2025-10-11. For those 3,856, the products named most often were credit reporting or other personal consumer reports (1,660), debt collection (1,023), payday, title, personal or advance loans (752), credit card (219) and vehicle loan or lease (178); company responses were "Closed with explanation" 3,476, "Closed with non-monetary relief" 197, "Closed with monetary relief" 32 and "In progress" 151. Two older name listings, "ONEMAIN FINANCIAL HOLDINGS, LLC." (2,646 complaints, 2012 to 2019) and "ONEMAIN FINANCE CORPORATION" (300, 2019 to 2022), are separate and are not added to these figures. The CFPB does not verify the accuracy of complaints, and its categories (for example credit reporting) reflect what the consumer selected.

Trustpilot. Page for onemainfinancial.com as displayed on 2026-10-11: TrustScore 4.6, 81,342 reviews, 6,633 in the last 12 months; 88 percent 5-star and 4 percent 1-star; claimed profile since March 2016, paid subscription, "asks customers to review", replied to 84 percent of negative reviews. These counts come from three different systems with different rules and are not combined.

Lawsuits: state attorney general case, data incident class actions, individual suits

What the company's filings say. The 10-K for fiscal 2025 and the 10-Q for the quarter ended June 30, 2026 state that, in the normal course of business, the company has been named as a defendant in legal actions including arbitrations and class actions and is subject to inquiries and investigations by governmental authorities; they do not describe individual matters in the legal contingencies note.

People of the State of New York et al. v. OneMain Holdings, Inc. et al., S.D.N.Y. No. 1:26-cv-02117. Filed March 16, 2026 (complaint, 103 pages) by New York, Pennsylvania, Colorado, Maryland, Nevada, New Hampshire, New Jersey, North Dakota, Oklahoma, South Dakota, Virginia, Washington and Wisconsin against OneMain Holdings, Inc.; OneMain Finance Corporation; OneMain Consumer Loan, Inc.; OneMain Financial Holdings, LLC; OneMain Financial Group, LLC; and OneMain Financial, Inc. The complaint seeks a permanent injunction and other relief. On the docket (CourtListener, newest entries first, checked October 11, 2026): the defendants filed a motion to dismiss or strike for failure to state a claim, improper venue and lack of subject matter jurisdiction on June 1, 2026 (entry 102); the states opposed on June 22; oral argument was held July 21, 2026; on July 14 the court granted the defendants' motion to stay discovery pending resolution of the motion to dismiss, without prejudice to the plaintiffs moving to lift the stay; the latest entries (September 2026) concern a counsel withdrawal and the argument transcript. A ruling on the motion to dismiss was not identified on the docket as displayed.

Data security incident lawsuits. Harris v. OneMain Financial Group, LLC, D. Md. No. 1:26-cv-03823, was filed September 28, 2026 as a proposed class action; its complaint alleges unauthorized access to unencrypted personal information including names, addresses and Social Security numbers and cites a notice filed with the Texas Attorney General on September 25, 2026. The CourtListener search run for this page also lists seven other D. Md. dockets naming OneMain Financial Group, LLC filed between September 29 and October 2, 2026 (Fedorchak, Adams, Velazquez, Clayton, Gordon, Longoria and Delapaz). The complaints in those dockets were not available to open, so this page does not state their claims. No court has ruled on the breach allegations.

Individual consumer suits. The same search lists many individual cases against OneMain entities. One example opened for this page, Peralta v. OneMain Financial Group, LLC (S.D. Cal. No. 3:26-cv-05643, filed October 1, 2026), alleges calls using an artificial or prerecorded voice in violation of the Telephone Consumer Protection Act and the California Rosenthal Act while collecting a debt; it is an allegation by one plaintiff.

Is OneMain Financial Legitimate?

OneMain Holdings, Inc. files annual and quarterly reports with the SEC and its common stock trades on the NYSE under OMF. The website footer lists OneMain Financial Group, LLC with NMLS# 1339418 and state license references (California Finance Lenders License, Pennsylvania Department of Banking and Securities, Virginia State Corporation Commission license CFI-156). BBB shows the headquarters profile as BBB Accredited with an A+ rating, alongside 1,225 complaints in the last three years.

Regulators and courts have also acted: a 2023 CFPB consent order on add-on products with $10 million in redress and a $10 million penalty, a 2023 New York DFS cybersecurity settlement of $4.25 million, and a 2026 lawsuit by 13 state attorneys general that the company disputes and that has not been decided. A data security incident was reported in September 2026. Read the regulator and litigation sections above, check the lender name and license on your own loan agreement, and use the company's own channels and the CFPB for disputes.

Court & Public Records

Related Complaints

Names this company in a role other than the primary subject — not necessarily current or complete.

• Named as the creditor: Sherman Companies Lying Scammers, Consumers BEWARE!
• Named as the creditor: "representing" American General Finance Scare Tatic: "You'll go to court if you dont settle and then you'll have to pay back entire debt including court and attorney fees through wage garnishment."
• Named as the creditor: Federal Credit, got letter on a bogus debt / pay or we will turn you into the irs Ripoff
• Named as the creditor: Ripoff Harrasment for alleged debt collection

Company Relationships

• Affiliated with: OneMain Holdings, Inc.
• Affiliated with: OneMain Finance Corporation
• Affiliated with: CitiFinancial Credit Company
• Affiliated with: Foursight Capital LLC

Frequently Asked Questions