ComplaintsforSelf Financial, Inc.

• Initial Complaint

  10/12/2021

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I opened a credit builder account through Self on Jan 08, 2021. I have made monthly payments on time and decided to pay off the account on Sept. 28,2021 using a debit card from my bank account thats listed in my credit builder account. All of a sudden after paying off my credit builder account, I received an email stating that my credit card was frozen pending that upload documents proving my identity. I have submitted my drivers license and debit card information as they required several times.I had to prove my identity to open this account in the first place on Jan8th.They are trying to keep my money as they have frozen also the payment of my completed credit builder account which I am owed $400.49. I have tried to use their chat and email to resolve this but I feel like that they are just trying to keep money that is owed to me. I just want the money owed to me.

• Initial Complaint

  10/12/2021

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I opened a secured **** credit card with this company and later closed the account due to the fees associated with the account. Per the terms Im supposed to be issued a refund for the unused balance. I closed the account on September 25, 2021. There was no response from or acknowledgement from this company until 9/29 advising me that the account was closed and Id be issued a check within 14 days. The 14 days has expired. And the funds could have easily been sent to me electronically since this company has my bank information on file, a requirement when opening the account. Its my belief that they intentionally hold consumer funds for their own benefit. I have yet to receive my refund, an confirmation that its been sent or even a courtesy update. My communications go unanswered. I would like to have my refund issued immediately.

• Initial Complaint

  10/11/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Unauthorized charge to my checking account on October 8th, 2021.I do NOT have or had any type of relationship with Self *** or any associated entities now or ever. They linked my bank account to a credit card they opened illegally using my information without my consent.I hereby formally request this unauthorized charge be recognized as FRAUDULENT by Self *** and the money illegaly obtained from my checking account be returned. That any accounts/cards/services be unlinked from my name and bank accounts immediately. As well as that Self *** and all other associated entities in good faith report this fraudulent activities to the pertaining authorities immediately and to all 3 credit bureaus in order to fix any wrongdoing on my credit caused by undue/poor ID verification processes by Self *** and associated entities.I have reported Self *** to the Better Business Bureau and the Federal Trade Commission.Shame on you Self ***!

  Customer response

  10/19/2021

  Complaint: 16011027
  
  I am rejecting this response because: they failed to reimburse the unauthorized charge. Luckily my bank was able to submit a charge back on my behalf.
  
  Regards,
  
  *********************

• Initial Complaint

  10/11/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I open my fist account with company back in 2018 to help improve my credit NO issues at all, I open another account this year and everything was fine until a week ago, they ask me to provide proof of identity I had no issue at all do in it, but when they ask me to provide bank statements I told them NO WAY DOING THAT, I had a very bad experience in the past someone access my bank account and I will never do that again. I was told if I refuse to it they will freeze my account and hold my money ***** dollars for an extended period of time. I decided to close both my secure credit card account and self builder account. They keep asking me for bank statements in order to return my money, I provided as you can see the attachments photo ID, SS later and proof that the money left from my checking account. This company is trying to force me to provide 3 months bank statements according to them that's the law or they are holding my money. I am 68 years old and I need the my SS money. Thank you

• Initial Complaint

  10/11/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Ive applied for this credit builder call Self and its been giving me the runaround I am unable to get my phones that was supposed to be refunded back to me once my loan agreement was paid completely off which it is .. ever since I paid off the remaining amount I have to verify my identity and it doesnt make sense because I verify my identity once I applied for the account and now it wont even let me upload the documents when I try to upload the requested proof of my identity and I keep getting emails saying I need to verify these are right that but theyre not responding to when I tell them that I am unable to upload it due to the error Im getting and I screenshot it the error message that I was receiving an email that to them but still nothing

• Initial Complaint

  10/08/2021

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  I opened my credit builder account on 09/10/2020. I chose the 50 a month plan for 12 months and paid my account on time every month. My account maturity date is 09/10/2021. I never opened the credit card or debit card that Self Lender offers. I chose to have my payout immediately after my contract ended. I get an email on 09/22/2021 stating my payout check is in the mail and should arrive in **** business days. I live in Nevada and Self Lender is located in *****. First red flag was the delivery window for my check to arrive, it doesn't take 10 business days for **** to deliver a check to my mailbox from ******, *****. On 10/6/2021, exactly 10 business days after I got the CHECK IN THE MAIL email from self lender, I get another email stating my check was returned to their office for being UNDELIVERABLE. My mail carrier confirmed with me on 10/7/2021 that he didn't RTS any of my mail. I believe SELF LENDER is lying about sending my check and is trying to defraud me. I just want my money

  Customer response

  10/18/2021

  Better Business Bureau:
  
  The company never responded to the complaint, but I did finally received my check in the mail. After nearly a month from the initial mailing date for my check, my issue is finally resolved.
  
  Regards,
  
  *******************************

• Initial Complaint

  10/08/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  On or around October 1 2021, I recvd an email from my credit monitoring app that my score dropped. I log onto my app to see what changed and I noticed an entry for SF/Lead bank. I log into my portal to see that I am past due 1 month. I reach out to customer service and explain that I was recently sick with Covid as well as my kid and a family member was diagnoses with a depilating disease and on top of that my card was stolen. I never recvd any phone calls letting me know my account was past due. I rectified the payment immediately. I have never been late since the opening of this account. I was covered under the cares act at this time and they still reported me to all 3 bureaus. I have been working diligently to clean up my credit to buy my first home. Now my dream has been destroyed. All I ask is a goodwill adjustment. Ive reached out to customer service to no avail. Ive asked for email addresses all on deaf ears. I cant escalate a call or request a call back.

  Customer response

  10/20/2021

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Regards,
  
  *******************

• Initial Complaint

  10/08/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This company sounds great on paper, in reality they are perpetrating one the largest scams in North America, if not even more far reaching. Take this seriously! Do your own research. Here I will help you. Simply dial their phone number ************. They owe so many people just like me their payout, Self has just given a caned answer that runs you in a non productive manner that is totally unacceptable. Self wants so called documentation, they stated they are required by law to do. I.e a picture of yourself, a full clear picture of your driver's license, bank statements including your full bank account number, routing numbers, pictures of your payments and it never ends. The agreement was, after your full fill the agreement, a check will be sent out within **** days. A check mind you. Again do your do diligence. The internet complaints under "How was your experience with Self". Some are fabrication, others are scary angry. Self always has a canned answer. We are talking 700d per.

  Customer response

  10/18/2021

  Complaint: 15997973
  
  I am rejecting this response because:
  
  Regards,
  
  *********************

  
  

  Simply because, they continue to give me the same old song and dance they have done for  months. I never missed  one payment,  as a mater of fact , the payments I made were ******, ******, the first month,  ****** the second  month,  and ****** on or about the third month,  settling the agreement. This nonsense saying, there was " unusual  activity ". Just another stall tactic.  They have absolutely  all of my totally invasive information they need, Frankly, think about it,  why  would  an individual put his name out there publicly,  go to the B.B B. And our local news affiliate WSB Atlanta- ***************************** to make an attempt to stop this agreegus behavior. At this point,  it's no longer  about the  money. I just want to  expose them for who they are. Best  guess I am going to have to  seek legal counsel. 

• Initial Complaint

  10/08/2021

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  This company simply steals money from people. They claim to open a certificate in your name that you make monthly payments on for an agreed amount of time, and report those payments to credit bureaus, which they actually do this part. Come time for your payment agreement to be over and the certificate closed, they just don't send you the money you have been paying in. They will send an email claiming that your certificate has been closed. Then another email that you have been mailed a check. Why they don't simply put the money back into the bank account they have been debiting it from is just asinine, but they "say" you'll receive a check in the mail, you don't. After countless emails and attempted calls, they just send another email saying your check has already been mailed. They don't mail it. I received an email on 6/26/21 saying my check was mailed. Today is 10/6/21, I still have not received a check.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩