美国12个州的总检察长联合对OneMain金融公司提起诉讼，指控该公司在贷款业务中强制捆绑附加产品，从而向消费者收取高额垃圾费用。新泽西州总检察长马修·J·普拉特金在声明中指出，OneMain通过销售信用保险、会员计划等非必要附加产品，大幅提高了借款人的实际成本。
这起诉讼揭示了OneMain涉嫌系统性违反消费者保护法的行为。该公司被控利用其贷款产品作为载体，向消费者推销高利润的附加服务，而这些服务往往并未给借款人带来实质性利益。诉讼文件显示，OneMain的销售策略存在误导性，未能充分披露附加产品的真实成本和条款。
各州总检察长要求法院禁止OneMain继续实施此类行为，并寻求民事处罚、赔偿消费者损失等救济措施。此案凸显了金融监管机构对贷款行业收费透明度的持续关注，也反映了各州在保护消费者权益方面的协同执法趋势。
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