Written for Scam Artist #9

OneMain Financial of Corona gets Mixed Reviews

onemainFinding the correct financial institute that you can trust and rely on to meet all of your lending and financial needs should not be difficult. However some financial institutes tend to be less than they claim to be once you begin the process. That is why it is important to do your homework and ask the right questions; read reviews from reliable sources such as Consumer Affairs, and the Better Business Bureau before you sign any documents. We’ve done the research for you on OneMain Financial of Corona to give you a head start in your search.

Who are OneMain Financial?

OneMain Finacial is a lending company that boasts about being around for a hundred years. It is true that the original company called Commercial Credit was started in 1912 in Baltimore Maryland, however since that time this company has changed hands and names at least half a dozen times according to their website’s “About Us” page. So, even though the origins of this company reach back for a hundred years, its branding, philosophies, and services have changed substantially since their early beginnings.

What they Offer

Personal loans are the primary business of OneMain Financial. They specialize in providing “quick” and “easy” personal loans that include:

  • Debt Consolidation Loans
  • Wedding Loans
  • Home Improvement Loans
  • Auto Refinancing
  • Cash-Out Refinancing
  • Car Loans
  • Medical Loans
  • Boat and RV Loans
  • HVAC Repair Loans

The way they work is through the internet, with the loan process starting as an online loan application that then progresses to meeting with an actual loan specialist who verifies your income, identity, and other information before discussing your loan options and signing the contracts. The upside to this process is that in most cases you can receive your onemain-3money right then and there versus waiting for a check to arrive.

What does Consumer Affairs have to Say?

When checking out the rating and reviews for OneMain Financial on ConsumerAffairs.com we found that they received an overall score of almost four starts out of five. This rating was based on combining 1,044 ratings out of 2,760 reviews. The star breakout was 751 five star reviews, 88 four star reviews, 12 three star reviews, 20 two star reviews, and 173 one star reviews. All of the data collected was based on customer reviews and there were no comments that stemmed directly from Consumer Affairs to add to the company’s review.

The reviews however jumped all over the board with consumers praising OneMain Financial for their great customer service on one end of the spectrum all the way to other customers complaining that it took weeks to receive their money, or that OneMain Financial employs the practice of bait and switch marketing. Although this company’s star rating is rather high, the actual comments in the reviews are a bit concerning. As we read through them we found that all of the reviews were either very good or very bad with nothing left in the middle. That inconsistency of service, company ethics, and follow through is something to be considered when thinking about doing business with OneMain Financial.

What does Glassdoor.com have to say?

After reviewing the diversity in consumer reviews we decided to check out what the employees had to say about the company. Glassdoor.com is a popular job platform that also offers inside reviews and information on companies that you may be interested in working for. The overall rating of OneMain Financial was only 2.8 stars out of 5 with only 39% of those employees who reviewed the site saying that they would recommend working there to a friend.

Those who posted reviews had a variety of longevity with some claiming to have only worked there a few months to others who have worked there for several years or even more than a decade. The one negative theme that was quite obvious from the start was the unhappiness of OneMain Financial’s employee base over the massive amount of change and inconsistency that seemed to be happening within the company from their most recent merger with Springleaf Financial. One staff member even wrote in their review that, “Not everyone is on the same page,” in regards to the company’s changes and new direction. The reviews would indicate that this company is not handling transition well.

Politics was another negative complaint about OneMain. Some of the reviews indicated that there were a lot of the stereotypical big business politics at this company. This prompts the question as to if too many politics are affecting the overall running of the business and trickling down to both the employees and the consumer in a negative way?

Everyone did seem to agree however, that the company offered great benefits although some stated that the health insurance had been progressively going downhill over the past few years, and was a good place to work overall. Some employees felt that there was definitely chance of advancement within the company and that the technology was top rate, with a good working environment.

onemain2What does the Better Business Bureau have to say about OneMain Financial?

When a search was done for this company on the BBB website, the results were surprisingly sparse. The only thing that came up was the company’s address and the Springleaf Financial Services name. This would indicate that the merger of Springleaf and OneMain Financial is more of a Springleaf take over than a merger and would explain a lot of the intercompany turmoil that is causing the employees to feel the disconnect within the company and its philosophies on how to do business.

Final Verdict

After reading the reviews of both customers and employees, it has been made clear that although OneMain Financial has corporate roots that reach back a hundred years; their future is yet to be decided. Without a consistent and clear picture of what business practices and business philosophies they want to take into the future it is difficult to maintain customer and employee satisfaction. The general day to day business may be running as usual, however it would seem that it is not running efficiently and this will in the end either make or break this long standing company if they don’t get this under control sooner rather than later.

Creative Ellie’s Latest Review – Enterprise Car Rental

Enterprise Rental Car- Beware not all Stores Make the Grade

It has taken me several weeks to sit down and write this review simply because of my uncertainty of how to approach this. I have attempted to use Enterprise Car Rental more than once from time to time over the past few years, and have not been the happiest of customers. And although the effort was there this last time, I must still say that I am not impressed with the overall service or continuity of service that is received from one location to another. Here’s why…

A few weeks ago at the most inopportune time possible my vehicle gave out forcing me to rent a car for three days. Besides the inconvenience and expense, this would have been no big deal. Except, the only rental agency near me is Enterprise and my past experience with this location was terrible, in accurate information, lousy customer service, you name it and it happened. But, I was in a crunch and gave them a second chance.

I went online and reserved a car using one of Enterprise’s coupons for a free upgrade to have a car ready at noon at the location near me. As far as online goes, everything went through fine, that is until I called for their pick-up service when they informed me that they had no cars available and would not have any until at least 3:30 that afternoon, but they would call me if something came in earlier. This only added to my Enterprise couponstress level since I had to be someplace at 4:30. So I told them as long as it would be no later than 3:30 I could do that.

In addition to not having the car that I was told I could have at noon when I reserved it online, I was told by this young man on the phone that they didn’t know why the website allowed me to reserve the car, and that they had left me a voicemail. Not true. I had my phone on me the entire time and checked voicemail four times. There were no missed calls, and no voicemails. So they were already lying to cover their butts.

Due to their system’s mistake and lack of follow-through I was left sitting here for three hours waiting for a car. Finally at 3:30 I called for the 4th time (having called every hour to make sure that they hadn’t tried to call and could not reach me) and was finally told, yes we have your car and will be right there to get you. I live ten minutes from the location. ten minutes later I received a call from a very nice young lady who asked me to open my gate. Well, since I don’t have a gate I was understandably confused. Turned out she was on the other side of town, because her store representative gave her the wrong zip code. Once we got the directions all figured out this sweet professional young lady arrived at my
house within ten more minutes and promptly drove me to pick up my rental car.

I arrived with all pertinent paperwork in hand and was immediately informed that I could not pay with my debit card while using my credit card as collateral, and they could not use two separate cards. I won’t go into all of the crazy details here, but basically it came down to they needed two current utility statements that showed my home address in order to use my debit card (luckily I had them on hand from the last time I went through something similar with them) and they would end up putting an additional $100 on hold on my debit card, all because I did not have the full rental fee and deposit fee available on my credit card.

At this point my frustration broke my silence. I politely, but irritably informed the young man behind the counter of all of the issues including the reservation issue that I had had with them to date. I didn’t expect much of a resolution from him after my past experiences with the 6th Ave location in Aurora, Colorado. However, he surprised me by apologizing, giving me what they call a double upgrade, a full tank of gas, and a 10% discount. (Although, I wondered if his sudden improved customer service had anything to do with my informing them that I was a travel writer who writes reviews.) Either way, he definitely had me smiling when I left. However short lived as it was.

I ended up buying my new car the next day so I did not need the rental for the full term. Since I am only one person, I could not drive both the rental car and my new vehicle home. Big surprise I chose to drive my new car home and leave the rental over night at CarMax. I checked to make sure this would be acceptable before doing so.

Then the next day, I called the Enterprise location that I rented the car from and was told I could drop the keys off at the location next to the dealership and they would pick up the car. So that is exactly what I did. When I did so the new location in Parker said they would call me after they had checked in the car so that I was aware of when the car was picked up. Guess what, no call. Car Rental Return Sign

That evening when I called the location that was supposed to pick up the car, they said that they had picked it up hours earlier and the location I rented it from was supposed to contact me to close everything out. The young man at the Parker, Colorado location apologized profusely and took it upon himself to close out my rental and process the credit of over $200 back into my checking account that the 6th Ave. location had ignored doing. In the long run I ended up only paying for one day of the rental that I had for almost 2 days, but had I not continually followed-up I would have never received my deposit or refund back.

Now that I have given you a glimpse into my experience with them you may be able to see why I am having such a difficult time assessing whether or not I am satisfied. Even their own staff said that each location is different in the type of service that you receive and that they had had a lot of issues with the 6th Ave. location.

In the pros column I received a quality car at a reduced rate with a full tank of gas, and they did both pick me up and then pick up the car from me. In the cons column I had to continually follow up with them every step of the way, I had a full day of down time waiting on them when their reservation system and follow through failed, and I almost did not get my deposit back due to lack of follow through on their part. So, I guess I will have to sum this up as certain employees put the effort forward to provide good customer service while others do not, making it important to feel out your different location options since each location will provide a different level of service.

In addition you may also want to keep in mind, that although they advertise they will pick you up anytime, anywhere. That is also not the case. Each location has a set range for which they pick up and drop off, so double check before you count on them to come get you.

Enterprise Rental Car Logo