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Report: #1469327

Complaint Review: One Main Financial - Lexington South Carolina

  • Submitted:
  • Updated:
  • Reported By: Carol — Lexington SC United States
  • One Main Financial 926 N. Lake Drive, Lexington, SC Lexington, South Carolina United States

One Main Financial Took Out an Extra Payment Lexington South Carolina

*Consumer Comment: Bad Idea

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I received a loan from these shysters a few years ago.  It was paid off November 10, 2018.  I made my payments electronically through my checking account.  DO NOT DO THAT!  I noticed today, 12/11/18, they had taken another payment from my account.  I called their 800 number and was told that although I only owed $2.47 for some reason (some additional finance charge or something) they took out an entire payment from my account.  They said they would deduct the $2.47 from that and then send me a refund for the balance.  Of course, the refund won't be sent out until after 12/25, two more weeks they have my money.  I have a husband who's a dialysis patient and he's not doing well.  We could really use that money right now.  I called the local branch where I obtained the loan, and they were no help, either.

So now I end up having to stop payment on the transaction and pay the bank a $31 fee to do so.  

I don't recommend them to anyone.  They're as bad as payday loans.

This report was posted on Ripoff Report on 12/11/2018 07:38 PM and is a permanent record located here: https://www.ripoffreport.com/reports/one-main-financial/lexington-south-carolina-29072/one-main-financial-took-out-an-extra-payment-lexington-south-carolina-1469327. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Comment

Bad Idea

AUTHOR: Robert - (United States)

POSTED: Wednesday, December 12, 2018

Doing a "Stop Payment" is not the way to go.  Best case would be that it would only cost you $31.  But more likely what would happen is that not only will you still owe the remaining amount, but additional interest on that money, a late fee since you failed to make the payment, and probably a returned check fee.

Granted the additional interest would be a minimal amount, but since the late and Return fee from them could be $30-$40 each with the $31 your bank is charging you may end up paying around $100. So depending on what your payment amount is, it may actually cost you more to stop the payment than it would to let the payment go through.

Oh not to say that the extra money taken out isn't inconvienient, but unfortunatly depending on how the ACH transaction was set up even if you owed another $0.01 the entire payment would have been taken out.

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