OneMain Financial

Several reviewers report receiving unsolicited spam calls and texts from OneMain Financial, despite attempts to opt out, indicating a pattern of unwanted communication.

Source: 2 of 8 reviews • Confidence: high (explicit mention)

Multiple customers noted that OneMain Financial advertised a soft credit inquiry but instead performed a hard inquiry, leading to credit score drops and accusations of bait-and-switch tactics.

Source: 2 of 8 reviews • Confidence: high (explicit mention)

Reviewers frequently describe customer service as rude, unhelpful, and stressful, with staff allegedly refusing to resolve issues such as removing hard inquiries or offering payment deferrals without proper explanation.

Source: 3 of 8 reviews • Confidence: medium-high (recurring theme)

Guests often mention that loan documents must be completed in person and that auto pay cannot be managed through the app, requiring phone calls for any loan-related tasks.

Source: 1 of 8 reviews • Confidence: medium (limited evidence)

Several reviews highlight increased rudeness from staff after missed payments, aggressive debt collection practices, and substantial penalties and fees for deferrals, suggesting a punitive approach to delinquency.

Source: 2 of 8 reviews • Confidence: medium (recurring theme)

One review details being forced to accept optional products like unemployment benefits and disability coverage, which increased the loan balance and APR, despite initial refusals.

Source: 1 of 8 reviews • Confidence: medium (explicit mention)

Multiple customers report that phone lines are rarely answered, with some stating they never receive callback after leaving messages, indicating poor accessibility for payment and support inquiries.

Source: 2 of 8 reviews • Confidence: medium (recurring theme)

One review mentions a positive interaction where a representative named Liz worked diligently to approve a loan after initial denial, suggesting some staff can provide helpful service under certain circumstances.

Source: 1 of 8 reviews • Confidence: low (isolated positive case)