What is the most common complaint against Onemain Financial Holdings, LLC.?

The most common issue consumers report about Onemain Financial Holdings, LLC. is "Communication tactics", specifically "Frequent or repeated calls". This is based on 576 complaints filed with the CFPB.

Are complaints against Onemain Financial Holdings, LLC. increasing or decreasing?

Complaints against Onemain Financial Holdings, LLC. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Onemain Financial Holdings, LLC.'s reputation grade?

Onemain Financial Holdings, LLC. has a reputation grade of D (score: 54.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Onemain Financial Holdings, LLC. respond to consumer complaints?

Onemain Financial Holdings, LLC. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 15% of cases.

In how many states does Onemain Financial Holdings, LLC. operate?

Onemain Financial Holdings, LLC. has received CFPB complaints from consumers in 45 states, with the most complaints from Texas (53 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Onemain Financial Holdings, LLC. - Debt Collector Complaint Profile

CFPB complaint profile across 45 states, reputation grade D.

Compiled by PlainCollector

Communication tactics

185
Attempts to collect debt not owed

88
Cont'd attempts collect debt not owed

80
False statements or representation

50
Improper contact or sharing of info

46
Disclosure verification of debt

43

Data updated September 2026

CFPB complaint disposition

CCDB record onemain-financial-holdings-llc Onemain Financial Holdings, LLC.

Grade D · 576 CFPB filings · 100% timely · lead issue: Communication tactics · vol #243 · compose #3391

VOL 576
GRADE D
12MO 0
STATES 45
TIMELY 100%
DISPUTE 15%
ISSUE Communication tactics
RANK #243
COMPOSE #3,391

Volume peers

Nearest volume peer: Asset Management Outsourcing, Inc. (581 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Onemain Financial Holdings, LLC.'s 576 CFPB complaints sit next to Asset Management Outsourcing, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Distributed filing map

Onemain Financial Holdings, LLC. spreads filings across 45 states - Texas leads at only 9.2%

Despite a broad state map, Onemain Financial Holdings, LLC. still sits volume #243 against composite #3,391 - the two RankMaps diverge by 3,148 places. Corpus placement method.

Most-even geography: Lead state under 15%; Texas still leads at 9.2% across 45 states
Seasonal peak: 2024-08 11.1%; 8–15% band · 4 filings
Divergent corpus ranks: #243 volume; #3,391 composite; Cleanest-composite ladder is 3,148 places worse than volume

How does Onemain Financial Holdings, LLC. compare to its peers?

How does ONEMAIN FINANCIAL HOLDINGS, LLC. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

ONEMAIN FINANCIAL HOLD… National average

Complaints (last 12 mo)lower is better

152

268

Timely-response ratehigher is better

100%

99%

91%

Consumer-dispute ratelower is better

15%

28%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2020-07 2026-01

Issue Detail Breakdown

Issue	Complaints
Communication tactics	185
Attempts to collect debt not owed	88
Cont'd attempts collect debt not owed	80
False statements or representation	50
Improper contact or sharing of info	46
Disclosure verification of debt	43
Written notification about debt	35
Threatened to contact someone or share information improperly	18
Took or threatened to take negative or legal action	17
Taking/threatening an illegal action	14

Where do complaints against Onemain Financial Holdings, LLC. come from?

Onemain Financial Holdings, LLC.'s own per-state count, not a national baseline.

Texas

53
California

50
North Carolina

46
Florida

42
Pennsylvania

42
Georgia

36
Illinois

31
South Carolina

31

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Onemain Financial Holdings, LLC.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 576.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 100%.

4 peers

Know your rights before responding to Onemain Financial Holdings, LLC.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.