Total CFPB complaints
576
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 576 complaints
ONEMAIN FINANCIAL HOLDINGS, LLC. — Debt Collector Complaint Profile
CFPB complaint profile across 45 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about ONEMAIN FINANCIAL HOLDINGS, LLC.
- Communication tactics
Communication tactics
151 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
64 complaints
- Attempts to collect debt not owed 60
Attempts to collect debt not owed
60 complaints
- False statements or representation 45
False statements or representation
45 complaints
- Disclosure verification of debt 37
Disclosure verification of debt
37 complaints
- Written notification about debt 29
Written notification about debt
29 complaints
D
Grade D · 57.9/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about ONEMAIN FINANCIAL HOLDINGS, LLC.?
ONEMAIN FINANCIAL HOLDINGS, LLC. has accumulated 576 total CFPB complaints across 45 states, with 0 filed in the most recent 12 months against 576 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Frequent or repeated calls", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 15% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 45 states, led by Texas with 53 and California with 50, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.9/100 places ONEMAIN FINANCIAL HOLDINGS, LLC. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
45
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
15%
After company response
Reputation grade
D
57.9/100 composite
Response-quality profile
How ONEMAIN FINANCIAL HOLDINGS, LLC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 30.4%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 80.4%
Share of US states + territories with at least one filed complaint against this collector.
How does ONEMAIN FINANCIAL HOLDINGS, LLC. compare to its peers?
ONEMAIN FINANCIAL HOLD… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2017-12 2019-11
Top Consumer Issues
Communication tactics151 (%)
False statements or representation45 (%)
Cont'd attempts collect debt not owed64 (%)
Disclosure verification of debt37 (%)
Attempts to collect debt not owed60 (%)
Written notification about debt29 (%)
Improper contact or sharing of info21 (%)
Most common issue: Communication tactics — Frequent or repeated calls
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Communication tactics | Frequent or repeated calls | 125 |
| False statements or representation | Attempted to collect wrong amount | 45 |
| Cont'd attempts collect debt not owed | Debt is not mine | 40 |
| Disclosure verification of debt | Not given enough info to verify debt | 37 |
| Attempts to collect debt not owed | Debt is not yours | 31 |
| Written notification about debt | Didn't receive enough information to verify debt | 29 |
| Attempts to collect debt not owed | Debt was result of identity theft | 29 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 26 |
| Cont'd attempts collect debt not owed | Debt was paid | 24 |
| Improper contact or sharing of info | Talked to a third party about my debt | 21 |
Where do complaints against ONEMAIN FINANCIAL HOLDINGS, LLC. come from?
The states where consumers have filed the most CFPB complaints against ONEMAIN FINANCIAL HOLDINGS, LLC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against ONEMAIN FINANCIAL HOLDINGS, LLC.
Across 45 states with at least one filing
- Texas
Texas
53 complaints
- California
California
50 complaints
- North Carolina
North Carolina
46 complaints
- Florida
Florida
42 complaints
- Pennsylvania
Pennsylvania
42 complaints
- Georgia
Georgia
36 complaints
- South Carolina
South Carolina
31 complaints
- Illinois
Illinois
31 complaints
Frequently Asked Questions
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. have been stable. The company received 0 complaints in the last 12 months.
What is ONEMAIN FINANCIAL HOLDINGS, LLC.'s reputation grade? ▼
ONEMAIN FINANCIAL HOLDINGS, LLC. has a reputation grade of D (score: 57.9/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if ONEMAIN FINANCIAL HOLDINGS, LLC. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If ONEMAIN FINANCIAL HOLDINGS, LLC. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |