I received a call few weeks earlier from Onemain Financial Holdings. Right from the time of calling to the time I disconnected the call, the guy behaved like some uncivilized person. He was arrogant and talking about a debt that I had no clue about. I understand that mistake happens. But one needs a clear vision of what is going on. The debt which they said was of just $45 was taken long back. Because I made delays paying the same, I had to pay $200 over the debt.
After listening to this, I simply ask about the company with which I owe this debt and the documents that state that the debt was on my name. I needed any signature document or something that could prove that the debt was ever taken in the first place. I only asked for few information and the agent got weird.
He started saying that I was trying to avoid paying the debt and if I do so, they would take legal action against me. At first, I am a law-abiding citizen. I have no issues in paying for something that I owe. But I need a proof for that. I asked them not to call me until they send me the required documents and necessary details of the debt.
I disconnected the call and these people started bombarding me with back to back calls. Sometimes, I picked and sometimes I ignored, and everyone had to say the same thing. No one would give me any more information. I am not sure if they even had my complete name in their records. They never addressed me by my full name.
Later, they called me on my office phone number. I told them not to make calls on the office
number as the employer did not allow the personal calls on office phone. However, as soon as they found out a way to torture me, they started calling only during office hours at my office phone numbers. None of the time they told me the reason for the debt or the details of the company with which I owe that debt.
This is nothing less than harassing someone. According to law, I must have all the necessary documents regarding the debt and the time to investigate about the debt. Or else, I am not liable to pay them and they are also not authorized to ruin my credit file based on some flimsy claims.
I have conveyed the same to these people but they keep calling my office phone number. I have asked them several times to use my mobile number which they have, but they won’t listen to me.
If this keeps happening, I will complain to the concerned authority. They must have to stop calling me if they do not have proofs for their claims. These guys are scammers and blackmailers. I feel that they are lying to me about the debt. Or else, they must have the proofs.