OneMain Financial

If I could give zero stars I would. I applied to Lending tree for a payday loan in the amount of $1200 February 2018. I needed to pay off 1 credit card the next week so I could use it for something important. I have done payday loans before and NEVER had this terrible experience. RIPOFF CITY. This location was close by-cool. I can pick up the check and I'm good. I had a physical therapy appointment the same day, so I asked the fake voice Joyce over the phone how long it would take(telling her I had a dr. appointment) and she said "A minute". To me that means a short time-NOT an hour or more. I get there and she drones on and I have to leave for my appointment. Joyce whines. OMG. I come back and it was lengthy. I am "approved" for $6700. I tell her I want $1200- $2000. Joyce says " You are approved for $6700 why not take it?" I stare at her and DO NOT ANSWER AFFIRMATIVELY. She says she is going to give me a check made out to me and the credit card company and mail it to the card company. I said 'do you have to?" She said " No but I am going to" I need to use that card next week. That wont help me for my emergency. I pay them off on my own as I planned and I figure I'll return the rest. They are supposed to email me the documents I supposedly signed. A month later I don't have them. I had left a voicemail & nothing. I called customer service when I got the bill which was almost $9000. I asked for an explanation. He didn't know. I wanted to change the due date, he had to transfer me back to the branch. So what good are you? I had to send a certified letter to get the docs. In addition they are drafting out of a closed checking account after I wrote them not to. So 2nd certified letter goes in the mail tomorrow. What a nightmare. Now that my credit score is jacked for $9000 instead of $2000 I cant refinance my car and I may not be able to retire in 3 months. The interest rate is 30% Why would I pay 30% on a loan when my card is 20%? only for an emergency and not for $9000. So my question is does fake voice Joyce get the commission right away? I DISAGREE SHE IS NICE, SHE USES THAT FAKE, NAUSEATING VOICE. I work in a call center so you know the spiel. I didn't ask or $6700 or $9000 and no one can tell me how it got to $9000.
1 8 years ago (17-05-2018)

Krista (Kristy?, she talked fast) was extremely condescending. You might have thought I was asking for a lung from her first born. Even the receptionist who answers was rude. I know we're in New Jersey but jeez, they need to learn customer service skills. I was told I would receive a call before close that night, and didn't hear anything for 5 days, and that was an email. Thankfully I found my small loan elsewhere with very sweet people working there!
1 9 years ago (15-10-2017)

I love Miss Joyce she was extremely helpful I hope strongly recommend this loan agency to anyone
5 9 years ago (09-06-2017)