Self Financial Inc.

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

I am submitting this complaint regarding SELF FINANCIAL, INC. account ending in XXXX for an alleged account associated with my information. This complaint serves as a formal cease and desist request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S.C. 1692c ( c ). I am requesting that all collection communications regarding this account cease immediately. I no longer wish to receive collection calls, text messages, emails, mailed notices, or any other collection-related communications regarding this matter except as expressly permitted under federal law. Despite ongoing collection activity, I have concerns regarding the handling and communication practices associated with this account. I am requesting that the company comply fully with applicable federal consumer protection laws and cease any improper, excessive, or unwanted collection communications.…

I have been trying to reach out multiple times for the past month since the beginning of XXXX. Im trying to close out my account to stop further hurt to my credit score but i cant not get ahold of anyone to close my account. I call and they say no one is available please login into your account instead. And my account has been locked out for the past 4-5 weeks and i have been getting charged fees when i cant login or send myself a password reset. The company hasnt reached out to me at all i have even sent emails.

I see a new secured card that i never received nor applied for.

I disagree with the companys response and believe the investigation remains incomplete. The company states that my account was accurately reported as XXXX days late, XXXX days late, and eventually XXXX days past due. However, the documents provided in their investigation do not clearly support those conclusions. The records attached by the company primarily show successful XXXX payments and general account information. I do not see documentation clearly identifying : the exact payment that was allegedly missed, the date the account first became delinquent, the balance due at the time of delinquency, any assessed late fees, or a full payment ledger proving how the late reporting was calculated. The companys own attached records show multiple successful payments, yet the investigation response does not explain how those records resulted in the late-payment reporting being furnished to the credit bureaus.…

Self / XXXX XXXX XXXX Has been put on notice for a fraudulently opened account that has been placed on my credit report. They choose to keep the account on my report unlawfully after they received the FTC identity theft report. My notice has been disregarded by the company. The account was opened XX/XX/year> and has resulted in a {$1600.00} balance that has fraudulently been reported

On XX/XX/year> an unauthorized charge of {$36.00} was made on my credit card. I reached out to Self Inc. and disputed the charge. My card was deactivated and I was issued a new card. On XX/XX/XXXX XXXX sent a letter to my mailing address stating that no error had occured per their investigation. I then called their customer service line on XXXX separate occasions requesting the case be re-opened and that I receive proof of the documents that were used in their decision making. I never received any evidence. Self has refused to reimburse me for this fraudulent charge.

I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

To Whom It May Concern, I am submitting this complaint regarding inaccurate credit reporting by Self / Lead Bank ( Self Financial ) on my credit report. After reviewing my credit file and personal records, I have identified that the payment history and last payment date being reported for this account are inaccurate and do not reflect my actual account activity. Details of the Issue Furnisher : Self / Lead Bank ( Self Financial ) Issue : Inaccurate payment history and incorrect last payment date Affected credit bureaus : [ List XXXX XXXX XXXX if applicable ] The reported payment history contains incorrect information, and the last reported payment date does not match my records. I have supporting documentation, including screenshots, that demonstrate these discrepancies. Legal Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) requires furnishers to provide accurate and complete information to consumer reporting agencies. 15 U.S.C.…

I have no knowledge of ever opening an account with self lender. I have no debt owed to this company and the account opening must be due to identity fraud. I have requested debt validation with no response.

I am filing this complaint regarding unauthorized credit card transactions that were improperly denied by Self Financial. On XX/XX/year>, my last legitimate transaction was a USPS XXXX charge. After that, my credit card was LOST and was no longer in my possession. Shortly after, multiple high-value transactions appeared within a short period of time at merchants I have never visited and have no relationship with, including beauty supply stores and other businesses. I immediately denied the transaction alerts and promptly reported the fraud to Self Financial. Despite this, Self Financial denied my dispute and claimed that I voluntarily authorized the transactions, provided my card information, or received benefit from the purchases. These claims are false. Self Financial has not provided any evidence to support their conclusion.…

they promised to increase my credit score my my self financing a loan that I could start or stop when even I liked. However, they when I wanted to stop the loan I was sent numerous late notices and they reported negative payments to my credit bringing down my score instead of it increasing my score.

The company is Self/lead its says its a secure line of credit. I am a victim of an identity theft I do not know what this company is and I did not apply for any type of loan with them. I disputed with credit bureau and called company.

XXXX XXXX XXXX XXXX XXXX XXXX maryland XXXX XXXX XXXX bankXX/XX/XXXXXX/XX/year> Verification of Debt Request Re : Acct XX/XX/XXXXXXXX Amount in dispute XX/XX/XXXXXXXX Dear XXXX Management, I am writing regarding the debt you are attempting to collect. You contacted me via email on XX/XX/year>. This letter is being sent pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. XXXX ( a ) and ( b ), which requires you to provide the following information : Details Regarding the Debt and the Creditor Within XXXX days of the initial communication with a consumer regarding the collection of any debt, a debt collector must, unless the required information was included in the initial communication or the debt has already been paid, provide the consumer with a written notice that includes : - The total amount of the debt. XX/XX/XXXX The name of the current creditor to whom the debt is owed.…

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I am very stress trying to take care of this matter, the more I try the worse my situation gets. I really need help with this issue please. No matter what I do it's not working. I am a single parent trying to make ends meat, it is very stressful without help with the day to day struggles.

Self failed to properly investigate and resolve unauthorized and disputed charges on my Self card account. I deposited {$500.00} to build my credit. I later found XXXX charges of {$7.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX XXXX XXXX charges of {$15.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; and XXXX XXXX charges of {$100.00} each on XX/XX/XXXX. I canceled the XXXX plans on XX/XX/XXXX and requested a refund, but XXXX told me to contact XXXX and I got no resolution. I then disputed the charges with Self and submitted evidence, but Self refused to correct the account. Charges also continued after I reported the problem and requested another card. I believe Self violated the Electronic Fund Transfer Act and Regulation E, including 15 U.S.C. 1693f and 1693g and 12 C.F.R.…

I am filing this complaint against Self Financial , Inc. and its banking partner Lead Bank regarding a fraudulent account established and reported in my name without my knowledge, authorization, or consent. As documented in my attached identity theft affidavit and Federal Trade Commission report ( Report Number : XXXX ), I have formally declared that I am a victim of identity theft and that any accounts, transactions, or obligations associated with my name and identifying information that were not expressly authorized by me are invalid, disputed, and the result of fraud. Specifically, records show that an account associated with Self/Lead was opened fraudulently around XX/XX/year> and later discovered in XX/XX/year>, with unauthorized activity tied to my identity.…

There is a delinquent " SELF FINANCIAL/LEAD BANK '' credit card account on all of my credit reports that is not mine. I wrote Lead Bank letters on XX/XX/year> and XX/XX/year> ( certified mail ) disputing this account, asking them for proof that I am responsible for the account, and asking them to fix the error on my credit reports. I included documentation proving my identity, address, and evidence that I was incarcerated during the entirety of the account so that it could not possibly be mine. I HAVE RECEIVED NO RESPONSE OR ACKNOWLEDGEMENT OF MY DISPUTE WAHTSOEVER. NONE. Please note, that I have no idea what the billing address for this card was as I never had the account, never saw the card, and never received a bill. I entered Michigan XXXX only because this website required an entry.

I am a victim of identity theft and did not open or authorize this credit account reported by Self Financial / Lead Bank. I have no knowledge of applying for, agreeing to, or using this account, and I did not provide consent for it to be opened in my name. Despite submitting an FTC Identity Theft Report and disputing this account, it continues to be reported as accurate on my credit file. I requested full account opening documentation, including any signed agreement, electronic authorization records, application details, and identity verification materials used to open and approve this account. These records have not been provided. The account continues to be reported as valid based on furnisher verification rather than verifiable proof of authorization or identity confirmation linking me to the account. As a result, this account remains on my credit report without documented evidence that I initiated or authorized it.

I am disputing the reporting of late payments associated with the following account : Creditor : Self Financial / Lead Bank Account ending in : XXXX This account was a secured credit-builder loan intended to establish positive payment history. The account reflects that it was ultimately paid and closed, however it includes reported delinquencies ( 30 and 60 days past due ) that appear inconsistent with the structure and purpose of the account and the overall payment performance reflected. Given the nature of this product and its intended use for credit building, I am requesting a thorough review of the reporting of these late payments, including : * The basis used to determine the account was delinquent * The specific payment records and timing used to assign 30/60 day late statuses * Whether all payments were properly credited and applied in accordance with the account terms * Documentation supporting the accuracy and completeness of the reported delinquency history Under the Fair…

I am filing a complaint regarding unauthorized transactions from XXXX that were charged to my credit card without my authorization. I reviewed my XXXX account and confirmed that the payment methods saved do not match the card used for the disputed transactions. The charges include multiple XXXX transactions and related amounts that I did not authorize. I contacted XXXX to dispute these charges and requested an investigation. However, they denied my claim and held me liable without addressing the clear mismatch between the payment method used and the cards saved in my account. Due to concerns of possible card compromise, my credit card has since been cancelled. This further supports that the transactions were not authorized by me.…

I am filing a complaint regarding an incorrect {$15.00} late fee added to my account for XXXX based on an ACH payment that initially did not go through on XX/XX/XXXX. The payment did not process at first, but I manually paid it myself so it was still on time. I did not receive proper notification or clear resolution guidance before the fee was applied. Despite the situation being related to a failed or delayed ACH transaction, the company added a {$15.00} fee and is now claiming I owe an additional {$40.00} for the month of XXXX. I paid the XXXX for XXXX and it still states I owe XXXX which I do not considering everything was still paid on time! I have attempted to resolve this directly with the company, but the issue was not properly addressed and my concerns were dismissed.

On XX/XX/year>, I discovered that Self had assessed a {$25.00} annual fee on my secured credit card account about a year after opening, even though I never received the physical card, never received tracking information, never activated the card, and never received notice that an annual fee would be imposed. This is not just a dispute over a {$25.00} charge. The core issue is that Self attempted to impose a fee on a card I never received or used, without clear notice, proof of delivery, proof of activation, or any transparent account history showing why the fee was allegedly valid. Self also appeared prepared to use that disputed fee as a basis to reduce, offset, or delay return of my security deposit, which is my money.…

" I am filing this complaint because Self Financial/Lead XXXX is reporting inconsistent and unvalidated financial data on my credit report. The report currently shows a balance of {$150.00} while simultaneously stating the account was 'written off. " I have disputed the validity of this debt, yet the creditor has failed to provide a signed contract or a complete payment history to justify the amount being reported. Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to report only 100 % accurate information. Because the balance and the account status are contradictory, and no validation has been provided to support the {$150.00} claim, I am requesting that this inaccurate entry be completely deleted from my credit file. ''

b"Yes good morning I'm having a lot trouble out of self lender associated with lead bank.\n\nXXXX XXXX XXXX XXXX ove been trying to login in to their website to pay my XXXX XXXX XXXX XXXX I try to login but I can't get in to pay my bill it's been almost 14 days. Of trying I can't use the text option cause I no longer have access to the phone number and the email option falsey states it send a verification code to email but it never shows up. I tried all the trouble shooting steps on my own. The called self on XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX agents XXXX XXXX XXXX and last XXXX who stated it would be escalated to support department and within 3 hours I would able to login 2 days later still can't login to pay my bill.\n\nThis is about me paying my bill ahead of time and on time I can't do it cause self lender us refusing to allow.me to log in and pay them thus refusing payment by blocking me out the website.\n\nSupport case number april XXXX XXXX XXXX and…

XX/XX/year>. {$1600.00} XXXX rental truck. I did report my self.inc too. I did booked appointment XXXX first week. For rent truck on XX/XX/XXXX. Total over {$3000.00} and drive Florida to California. For move out live California. I called budget if truck pick up ready XXXX? He keep hung on me because Im XXXX. So I show up budget store and ask why hung on me? He say sorry thought scammer. So I ask where truck? He say sorry delay maybe later XXXX so he ask me go ahead paid full amount. I use XXXX card. XXXX credit card self.inc debit to pay $ XXXX another XXXX bank {$1400.00}. Then truck arrive XXXX and not happy because wrong size small XXXX. I order big XXXX foot truck. Im mad and I told him cancel and want refund back. Waste my time. He say wait XXXX days process refund. I been wait and already move here XXXX. I kept call budget rent trucks they ignore me. Self.inc decide took money back because they wait for me report back. I did.

Heres a strong, CFPB-ready complaint description you can paste directly into that What happened? box based on your XXXX XXXX account : Complaint Description : I am filing this complaint against XXXX XXXX regarding inaccurate and misleading reporting on my credit profile. This account was opened on XX/XX/XXXX, and is currently closed with a {$0.00} balance and reflects an overall on-time payment status. However, the account is still reporting XXXX late payments ( XXXX and XXXX days late in XXXX ), which is damaging my credit profile despite the account being paid and closed in good standing. I dispute the accuracy, completeness, and fairness of this reporting under the Fair Credit Reporting Act ( FCRA ). The late payments being reported are either : Inaccurate, OR Not properly verified with documentation, OR Being reported in a misleading manner given the current positive status of the account.…

On XX/XX/XXXX, I close my Self XXXX XXXX account with the amount of {$1100.00}. I called within the XXXX week of the month and asked if my deposit was gon na be made and Self block my account to see any tracking progress on XX/XX/XXXX. I gave a call to a XXXX and they mentioned that the money was gon na be deposit as soon as they cleared my file I asked them why my file was checked and they said it was an office use only on XX/XX/XXXX. I called again and spoke to another XXXX and was not able to succeed with any information on XX/XX/XXXX called again and theyre not able to give me any information of when the payments gon na be deposit. not sure whats going on, but I have attempt to call and fix this issue over the phone, but I have no options left and wanted to get help from consumer financial protective serve rural services.

This is a follow-up complaint regarding a prior CFPB complaint that was closed without resolution. The company has issued a final denial of my dispute without providing any supporting documentation or evidence. The company claims that a hotel reservation was made under my name ; however, this is incorrect. I confirmed with the merchant that my name was not associated with the reservation, and I was unable to obtain assistance due to lack of association with the booking. The company has refused to provide any documentation supporting their conclusions, including reservation records, identification verification, or signed check-in documentation. A certified written reinvestigation request was received and signed for on XX/XX/year>. T he company failed to properly acknowledge and investigate this dispute within the required timeframe under the Fair Credit Billing Act. I submitted a formal request for documentation.…

Account : self/ lead bank Opening date : XX/XX/25 Amount {$3000.00} Heres a clear, firm statement you can use : I am writing to formally dispute this account, as I do not recognize it and did not open it. This account is not mine, and I did not authorize anyone to open or use it on my behalf. I believe this may be the result of fraudulent activity or identity theft. I am requesting that this account be investigated immediately and removed from my records. Please provide me with any documentation related to the opening of this account, including the application and any identifying information used. I also request written confirmation once this matter has been resolved.