OneMain Financial Holdings, LLC Consumer Loan Complaint

OneMain Financial Holdings, LLC Consumer Loan department,

Installment loan Managing the loan or lease Florida

On - -, 2016 I was contacted by an agent named - at Springleaf. She advised me that my installment payment of $170.00 due on - -, 2016 had not been received. I informed - that I had excessive monthly obligations and would be paying late. She offered me a deferment under the condition that I make the - payment that day, which I did. However, I did n't realize that I had paid $1.00 short so - called back the next day - at which point I paid another $2.00 and - confirmed the deferment agreement would be mailed to my home address. I received the deferment agreement a few days later. It was dated -/-/16 and signed by an employee named - -. I signed it on - -, 2016, made a copy, and placed it in the outbound bin at work. I continued to receive what I believed were collections calls from Springleaf, which I did not answer. Fast forward to today ( -/-/16 ) I received another call from Springleaf. The agent ( I did n't get his name ) advised me that my - payment was past due. I told him that my - and


addition to the - payment, due tomorrow, -/-/2016. I told him that according to the deferment agreement, my next payment was n't due until -/-/2016. He stated " it is n't supposed to say that '' which alarmed me because Springleaf has apparently sent me an ERRONEOUS deferment agreement WHICH THEY WOULD NOT HAVE HONORED in the first place. He stated that Springleaf only offers " half deferments '' and " 1 month deferments ''. He then tried to blame me for Springleaf 's failure to credit the deferment agreement to my account by saying the phone calls I was receiving " should have triggered '' me to know something was wrong! I asked to speak to a supervisor and was connected to - -. - confirmed that there were " INCONSISTENCIES '' in the deferment agreement. However, per - the " root cause of all of this '' was the fact that the agreement was n't received timely. I acknowledged to - that perhaps the mailroom at my job lost the envelope prior to mailing, as the previous agent did confirm that the envelope was post-marked -/-/16 from zip code - ( my office location ). Then - stated that the image of the envelope in Springleaf 's records DID NOT show the zip code it was mailed from - which means the previous agent lied to me when I asked him to confirm. In any event, my contention is that Springleaf would not have honored the agreement in the first place because it apparently offered terms that were not in line with Springleaf 's deferment programs. - - would not explain why an erroneous agreement which would have extended my maturity date, thus re-amortizing the loan ( hence the lower " new payment amount ), was sent to me. Instead, he started to scrutinize the fact that I did not answer Springleaf 's phone calls. He then stated that the agreement would NOT have extended the maturity date ( even though it clearly says that it does ), so I would have had a BALLOON PAYMENT at maturity ( not stated in the agreement whatsoever ), and that I did not send the agreement by the due date indicated on the agreement ( there is no due date on the agreement ). I asked - - to pull my phone calls with - since he claims that she notated in my account that the deferment was due by the end of the month. I contend that she did not. Regardless, I simply ca n't account for what may have transpired in the mailroom at my job. The reps I spoke to today simply were n't willing to make any effort at remedying this situation. I do n't have the funds to pay at this time which is why I asked for help.