Business Profile

Financial Services

Lead Bank

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Complaints

This profile includes complaints for Lead Bank's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

106 total complaints in the last 3 years.
35 complaints closed in the last 12 months.

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The complaint text that is displayed might not represent all complaints filed with BBB. 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.

Initial Complaint
Date:07/05/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
the company is reporting wrong information to my credit profile and also have an incorrect address that is not mine, and I believe that is illegal. please remove from profile thanks
Business Response
Date: 07/14/2025
July 14, 2025
BBB of KC- Disputes Resolution
**** * **** ***
Kansas City, MO 64112
RE: BBB #23559808

Dear ******* ******

This letter is in response to the correspondence received by the BBB dated July 5, 2025 involving issues with your Lead Bank Credit Builder Account (CBA) serviced through Self Financial.

Upon receiving your complaint, Self conducted a thorough investigation into the matter. Below is a summary of their findings:

According to Self’s investigation, the Credit Builder Account (CBA) was opened on February 4, 2023. At the time of account opening, you electronically signed a loan agreement outlining the terms of the account, which included a repayment schedule of 24 monthly payments of $25.00, beginning on March 04, 2023.

Six successful payments were credited to the account, with the last payment of $10.00 posted on July 7, 2023. Three payment attempts failed on March 4, April 4, and May 4, 2023. Although a payment was made in July 2023, it did not meet the minimum required amount. Because the minimum payment amount due on July 4, 2023, was not received, and no payment was attempted on August 4, 2023, the account was accurately reported as 30 days past due in August 2023.

The account was closed on September 23, 2023, at 80 days past due. The remaining principal balance was fully paid using the security deposit, and the account was reported as closed with a $0.00 balance.
Self complies with the Fair Credit Reporting Act (FCRA) and appreciates the opportunity to clarify this matter. While Self is not a consumer reporting agency under the FCRA, it serves as a data furnisher. As outlined in your loan agreement, Self may report information about your account to credit bureaus. This includes late payments, missed payments, or other defaults, which may be reflected on your credit report. Please note that consumers cannot opt out of credit reporting, as credit bureaus are not considered non-affiliated third parties under applicable privacy regulations.

Under the FCRA, Self is required to report account information accurately. Accounts that are 30 or more days past due are reported as late to credit reporting agencies in accordance with credit reporting guidelines. Accurate reporting cannot be modified or removed.

Also, Self reports the address provided at account origination to the credit bureaus. To update the address on your credit file, you must contact the credit bureaus directly.

All payments are processed in compliance with regulations governing open-end consumer credit. Customers can refer to their loan agreement for payment application details. If a payment error is suspected, Self will review the case.
In conclusion, based on Self’s investigation, all accounts associated with your profile have been reported accurately and in accordance with the FCRA. Before any late reporting occurred, Self provided statements with due dates and minimum payment amounts, and sent email reminders about potential delinquency reporting. These documents remain accessible through your online account or mobile app.

At this time, the Bank considers this matter resolved. If you need additional information or have additional questions, please contact Self’s Customer Service team at ************, by email at ****************, or via live chat.

Sincerely,
Compliance Team
Lead Bank
Initial Complaint
Date:06/24/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for this debt with LEAD BANK. I do not have a contract with SELF FINANCIAL/LEAD BANK. They did not provide me with the original contract as requested.
Business Response
Date: 07/03/2025
July 03, 2025
BBB of KC- Disputes Resolution
**** * **** ***
Kansas City, MO 64112
RE: BBB *********
Dear ***** *******,
This letter is in response to the correspondence received by the BBB dated June 24, 2025 involving issues with your Lead Bank Credit Builder Account (CBA) serviced through Self Financial.
Upon receiving your complaint, Self conducted a thorough investigation into the matter. Below is a summary of their findings:
According to Self’s investigation, the Credit Builder Account (CBA) was opened on January 25, 2023. At the time of account opening, you electronically signed a loan agreement outlining the terms of the account, which included a repayment schedule of 24 monthly payments of $35.00, beginning on February 25, 2023.
Self’s records indicate that no successful payments were credited to the account after it was opened. Due to the resulting delinquency, and in accordance with the Fair Credit Reporting Act (FCRA), the account was reported as past due to the credit reporting agencies. The CBA was closed on April 7, 2023, at your request. This request was confirmed as having been received from the same email address used to submit your complaint to the Better Business Bureau.
Next, Self’s records reflect that the account was reported accurately and in compliance with FCRA guidelines. Prior to the negative credit reporting, Self sent you monthly statements, advising of the upcoming due dates and the required minimum payment amounts. Additionally, Self sent email reminders notifying you of missed payments and included a notice that accounts more than 30 days past due would be reported to the credit bureaus. All related account statements remain accessible through your online account, available via Self’s website or mobile application.
Self remains committed to providing transparent, accurate, and timely information to its customers, and values the opportunity to address and resolve customer issues with care and diligence.
At this time, the Bank considers this matter resolved. If you need additional information or have additional questions, please contact Self’s Customer Service team at ************, by email at ****************, or via live chat.

Sincerely,
Compliance Team
Lead Bank
Initial Complaint
Date:06/23/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
November 5,2024 I used the Rent Flex, who is associated with the Lead Bank, they withdrew $592.87 from my bank account to pay my rent for the month. The property manager NEVER RECEIVED this payment and the did not return it to my bank account. My bank tried to get the money back with no luck. My bank fronted or put this amount into my account while they investigate my complaint. On May 30,2025 my bank ask for the $592.87 back which put my account in the minus. I need these people to return My Money the money they took, (FLEX) thru Lead bank. I 'm a 71 year old senior who do not have that kind of money to give away and send a check to my address as I had to open a new account with my bank.
Customer Answer
Date: 06/26/2025
On November 5,2024 I use the Rent App.(FLEX) associated with the Lead Bank. They took $592.87 to pay the first half of rent to the property Management a senior apartment. However, the property management never received that payment and the money was not sent back to my bank account. After numerous chats with them and having my bank investigate they have not returned my money. As a senior living on a fixed income this has been very upsetting and cause me financial devastation.I need these people to please return my $592.87 back to me. Please send me a check at the address listed above.
Business Response
Date: 07/08/2025
07/08/2025

****** ******
**** * ******* ***** ****
Henderson, NV 89052

*** *** *********
Dear ****** ******,
This letter is in response to the correspondence received by the BBB dated 05/12/2025 involving issues with your Lead Bank account serviced through Flex.
According to Flex’s records, your account was created on October 3rd, 2024 and Flex successfully processed your 1st payment for the November 2024 rent bill on November 5th, 2024. However, Flex was unable to successfully pay your rent during that time, so Flex refunded your 1st payment on the same day.
We see that you disputed the payment on November 23rd, 2024, though Flex had already refunded $592.87 on November 5th, 2024. During the dispute investigation, your bank credited your bank account, but then reversed the funds on January 9th, 2025, when they ruled the dispute in favor of Flex. In summary, you were refunded twice, which is why your bank recharged you.
We attempted to reach out to you on multiple occasions and provided you with the Payout Trace ID to trace your funds; however, we have not heard from you.
If you have further questions or concerns, please feel free to contact Flex Customer Care at ****************.
Sincerely,
Lead Bank
Initial Complaint
Date:06/23/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Self Visa credit builder is a scam. They took 100$ of mine never sent credit builder card. Customer service number doesn’t work.
Business Response
Date: 07/03/2025
July 2nd , 2025
BBB of KC- Disputes Resolution
**** * **** ***
Kansas City, MO 64112
RE: BBB *********
Dear ***** ********
This letter is in response to the correspondence received by the BBB dated June 24, 2025 involving issues with your Lead Bank Secured Credit Card (SCC) account serviced through Self Financial.
First and foremost, we sincerely apologize for any frustration or inconvenience you’ve experienced—particularly regarding your initial deposit, card delivery, and access to customer service.
Upon receiving your complaint, Self conducted a thorough investigation into the matter. Below is a summary of their findings:
Self’s records indicate that initially your security deposit of $100.00 was in a pending status. ACH transactions may take up to 5 business days to fully process. Once the deposit is processed, Self then issues and ships the Self Secured Credit Card (SCC) within approximately 10 business days.
According to Self's systems, your SCC was activated on June 30, 2025, which indicates that the card was received and accessed. If you did not activate the card yourself or believe it was never delivered, please notify Self immediately so they can investigate further and, if necessary, issue a replacement and safeguard your account.
Regarding your concerns about reaching Self’s Customer Service team, we apologize for any difficulty you may have encountered. Self is committed to resolving accessibility issues and ensuring a positive customer experience.
If you still have questions or have not received your card, please contact Self’s Customer Service team at ************, by email at ****************, or via live chat.
At this time, Lead Bank considers this matter resolved. If you have additional questions or require further assistance, please contact Self’s customer support team using the information above.

Sincerely,
Compliance Team
Lead Bank
Initial Complaint
Date:06/18/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Account is reporting wrong/ fraud on information on my TransUnion and Equifax credit report. Experian is reporting correctly. The account is in dispute under investigation for both TransUnion/Equifax. If account can’t be updated correctly matching (Experian) immediately I request the account to be blocked from being reported (TransUnion , Equifax ) until investigation is complete or come to agreement.
Business Response
Date: 06/24/2025
June 24 , 2025
BBB of KC- Disputes Resolution
**** * **** ***
Kansas City, MO 64112
RE: BBB *********
Dear ********* *********
This letter is in response to the correspondence received by the BBB dated June 20, 2025 involving issues with your Lead Bank Credit Builder Account serviced through Self Financial .
A Credit Builder Account (CBA) was opened on 01/04/2021 with a loan agreement electronically signed by ********* ********* which stated that 24 monthly payments of $35.00 were due beginning on 02/04/2021. There were 14 successful payments that were credited to the account, with the last payment posted on 03/04/2022 for $35.00 using a debit ending in 1251. The CBA was closed on 03/07/2022 due to becoming 80 days past due.
Additionally, a Self Secured Credit card was opened using funds that were paid into a Credit Builder Account. This account was closed on 12/10/2021 as a result of becoming 80 days past due. The personal information on the Credit Builder Account has been verified as associated with ********* ********. Successful payments credited to the CBA were not charged back by the financial institution for fraud or unauthorized activity. Our research indicates that this account was not opened fraudulently. If you have new information to support the account being opened by someone other than yourself, please contact us using one of the methods below.
At this time, the Bank considers this matter resolved. If you need additional information or have additional questions, please contact Self’s Customer Success team by telephone (************), email (****************), or live chat.
Sincerely,
Compliance Team

Customer Answer
Date: 06/24/2025

Complaint: ********

I am rejecting this response because:both accounts have been removed prior and now resurfaced when I was victim of Equifax data breach.
UNDER FCRA
Reinsertion Rules (Section 611(a)(5)(B)):
If a credit bureau removes an account due to a dispute and then re-inserts it, they must:

•Notify you in writing within 5 business days of reinserting the account.
I WAS NEVER NOTIFIED…… must provide proof or ( delete/block/remove accounts) I have proof of deletion and when
“Please provide the certification and verification documentation for the reinserted accounts per FCRA Section 611(a)(5)(B).”
•Certify the information has been verified by the furnisher (the company reporting it).
PROVIDE proof they followed all every law and correct appropriate procedure including accurate time frames to verify and how or (delete/block/remove accounts )

Sincerely,

********* ********
Business Response
Date: 06/30/2025
June 30, 2025
BBB of KC- Disputes Resolution
**** * **** ***
Kansas City, MO 64112
RE: BBB #********
Dear ********* *********
This letter is in response to the correspondence received by the BBB dated June 25, 2025 involving issues with your Lead Bank account serviced through Self Financial.
After reviewing your account and credit reporting history, Self shows no record indicating that any Self-related accounts were previously removed from your credit report and then reinserted. Self’s records reflect a consistent reporting history with no indication of deletion or reinsertion activity initiated by Self or their credit reporting practices.
As the furnisher of data, Self submits accurate and verified account information to the credit bureaus in accordance with the Fair Credit Reporting Act (FCRA). It is important to note that reinsertions are managed directly by the credit reporting agencies (such as Equifax, Experian, and TransUnion), and they are responsible for notifying consumers in accordance with Section 611(a)(5)(B) of the FCRA should any reinsertion occur after a dispute-based deletion.
If you believe a reinsertion has occurred, we recommend contacting the relevant credit bureau directly to request their reinvestigation records and any required notifications. Additionally, if you have supporting documentation showing that these accounts were previously deleted and reinserted, Self is happy to review that information. The account data Self furnishes is accurate and in compliance with all applicable federal regulations. Self is unable to remove or block verified account information from your credit report unless directed to do so by the credit bureaus or as a result of a successful dispute investigation. Please feel free to share any supporting documentation you would like Self to review, and they will gladly take a second look.
At this time, the Bank considers this matter resolved. If you need additional information or have additional questions, please contact Self’s Customer Success team by telephone (************), email (****************), or live chat.
Sincerely,
Compliance Team
Lead Bank
Initial Complaint
Date:06/11/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I opened a self credit builder account on May 3, 2025. The company withdrew a $500 deposit from my bank account. I received and activated the credit card on approximately May 18, 2025. However, on May 21, 2025, Self froze my account and began asking for documents to verify my identity. I submitted the documents, but they requested my bank statement again. I submitted my bank statement for a second time. They refused to accept it and would not unfreeze my account. To be frank, my bank statements are none of their business. So, I closed the account on May 29, 2025, and asked for my deposit back. When I inquired about when I'd receive my money back, I was told it could be "weeks or months", that it depended on this and that blah blah blah. Ironically, I never even used the credit card. On June 11, 2025, I called Self again to inquire about my $500 deposit. The representative gave me the run around about how she cannot provide any info about my payout. She said the account had been transferred to some backdoor department for review and they could not be reached by phone. She then went on to say that providing my bank statement would "speed up the process". I pretty much let her know that I would not be submitting any other documentation to their scam company. I also said I wanted my deposit money and, at this point, it was basically fraud. I am still waiting on them to return the money they stole from my bank account. I want my money. I intend to file a dispute with my bank very soon if they don't return my money.
Business Response
Date: 06/20/2025
June 20, 2025
BBB of KC- Disputes Resolution
**** * **** ***
Kansas City, MO 64112
RE: BBB *********
Dear ******* ********,
This letter is in response to the correspondence received by the BBB dated June 12, 2025 involving issues with your Lead Bank Credit Builder account serviced through Self Financial.
Upon receipt of your complaint, a thorough investigation was completed into this matter by Self. Please find below a summary of what transpired and their findings regarding your account.
As part of Self’s commitment to maintaining the security of their customers' accounts, they are required to verify certain personal information and conduct routine account reviews. During the application and review process, the information provided could not initially be verified, which resulted in the closure of the associated account.
Following a more detailed review, Self has successfully verified your identity and the activity associated with your account. Self is now in the process of releasing your payout. You can expect to receive a notification within the next 2–3 business days confirming that your payout has been released. The standard processing timeframe for a payout may take up to 7-10 calendar days from the of this notice.
At this time, the Bank considers this matter resolved. If you need additional information or have additional questions, please contact Self’s Customer Success team by telephone **************, email **************), or live chat.
Sincerely,
Compliance Team
Lead Bank

Customer Answer
Date: 06/28/2025

Complaint: ********

I am rejecting this response because:
It has been nearly 10 days since the business responded. While I received an email regarding my pay out, my money has not been returned to me. I am still waiting on my check that was supposedly mailed to me.
And, just to be clear, my account was not closed because my identity could not be verified. I requested to have the account closed because Self took my deposit, immediately froze my account, and repeatedly asked for my bank statements (which I submitted). Additionally, I find it ironic that my identity could not be verified so that my account would be unfrozen. However, my identity has since been verified, as per your statement, although I submitted no further documentation. Don't make false statements. Your company is a joke.
I expect my money very soon or I will be disputing the transaction with my bank.

Sincerely,

******* ********
Business Response
Date: 07/01/2025
July 1 , 2025
BBB of KC- Disputes Resolution
1000 W 46th St.
Kansas City, MO 64112
RE: BBB #********
Dear ******* ********,
This letter is in response to the correspondence received by the BBB dated June 30, 2025 involving issues with your Lead Bank Secured Credit Cart account serviced through Self Financial .
According to Self’s records, a check in the amount of $500.00 was printed and mailed on 06/20/2025 to the following address: **** *** ***** ****** ** Asheboro, NC 27205 As of today, Self does not show any confirmation that the check has been cashed. If you have not received the check, we recommend allowing a bit more time for mail delivery. As of 07/01/2025, it has been 9 business days. If your check does not arrive within the next 3 business days, please contact Self directly so that they can better assist you.
At this time, the Bank considers this matter resolved. If you need additional information or have additional questions, please contact Self’s Customer Success team by telephone **************, email ******************, or live chat.
Sincerely,
Compliance Team
Lead Bank
Initial Complaint
Date:04/24/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Subject: Complaint Regarding Inaccurate Credit Reporting by Lead Bank

Dear Sir or Madam,

I am writing to file a formal complaint against Lead Bank regarding the continued negative reporting of a closed account that was charged off in the amount of $330.

Although the account has been closed and charged off, Lead Bank continues to report it as a negative item on my credit report. This outdated and inaccurate reporting is unfairly impacting my credit standing and may be in violation of the Fair Credit Reporting Act (FCRA), which requires that all information furnished to credit reporting agencies be accurate and up to date.

I have attempted to resolve this issue directly with Lead Bank, but unfortunately, my efforts have not led to a resolution. Therefore, I am seeking the assistance of the Better Business Bureau to investigate this matter and urge Lead Bank to either correct the information or remove the account from my credit report if it cannot be verified accurately
Business Response
Date: 05/07/2025
May 7 , 2025
BBB of KC- Disputes Resolution
**** * **** ***
Kansas City, MO 64112
RE: BBB #********
Dear ****** *******,
This letter is in response to the correspondence received by the BBB dated April 29, 2025 involving issues with your Lead Bank Self Secured Credit Card serviced through Self Financial.
A Self Secured Credit Card (SCC) was opened on 12/03/2022 using funds paid into a Credit Builder Account. The last successful payment credited to the SCC posted on 09/21/2023 in the amount of $31.00 using ACH ending in 2713. The SCC was first reported delinquent to the credit reporting agencies on 03/23/2024 as a result of missing your previous month’s minimum payment due. On 01/09/2024 the SCC was closed as a result of becoming 80 days past due. At this time a credit from your security deposit in the amount of $1,500.00 was applied to your outstanding balance of $1,670.30. A balance of $170.30 remained due at that time. Between the dates of 01/23/2024 and 11/02/2024 additional late fees and statement interest charges were applied to your SCC balance. The remaining balance was still required to be paid, and the final balance of $330.25 was reported as charged off at 180 days past due on 11/22/2024. You agreed to the terms and conditions of the SCC per the cardmember agreement that you electronically signed. See Exhibit A for more information.
Self cannot update or delete accurate credit reporting. The accounts you have opened with Self and Lead Bank have all been reported accurately and within the guidelines set forth by the Fair Credit Reporting Act. Prior to all late reporting, you received statements advising of due dates and the minimum payment amount. Self also sent emails for missed payments and advised that if the account went 30+ days past due, it would be reported to the credit reporting agencies. You can view all statements by logging into your account via Self’s website or mobile app.
At this time, the Bank considers this matter resolved. If you need additional information or have additional questions, please contact Customer Success team by telephone (************), email (****************), or live chat.
Sincerely,
Compliance Team
Lead Bank
Attachments: Exhibit A - Card Member Agreement

Customer Answer
Date: 05/12/2025
I am formally requesting the assistance of the Better Business Bureau in resolving an ongoing issue with Lead Bank, regarding their continued reporting of inaccurate and unverified information to the credit reporting agencies.
I affirm that I am the affected party and that I authorize the submission of this complaint.

Nature of Complaint:
I submitted a written dispute to Lead Bank regarding an account they are furnishing on my credit report (Account #: ********************). In accordance with my rights under the Fair Credit Reporting Act (FCRA), Section 611(a)(7), I formally requested that they provide:
The method of verification used to determine the accuracy and completeness of the reported information;
Legally binding documentation showing that I owe a contractual obligation for the reported debt;
A record of how my alleged “signature” was generated or executed as part of any agreement.
Despite this, Lead Bank has failed to respond with any of the requested documentation or a legally compliant verification method.
According to the Federal Trade Commission’s opinion letter by Attorney John F. LeFevre, merely providing a copy of a bill or statement does not constitute sufficient verification. My good faith request for proper verification has been ignored, yet Lead Bank continues to furnish this information to the credit bureaus, which is causing ongoing damage to my credit profile.
This constitutes a violation of my rights under federal law, specifically under FCRA §§ 611(a)(1), 611(a)(7), and 623(b).

Requested Resolution:
That Lead Bank provide a full and legally compliant method of verification used to substantiate the information;
That they produce contractual documents showing my liability, including any record of a signature or authorization;
That they immediately remove the account from my credit report if they cannot verify the debt;
That they cease furnishing any inaccurate, incomplete, or unverifiable data in the future.
Initial Complaint
Date:04/13/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for this debt with lead bank. I do not have a a contract with lead bank. They did not provide me with the original contract requested.
Business Response
Date: 04/21/2025
April 21, 2025
BBB of KC- Disputes Resolution
**** * **** ***
Kansas City, MO 64112
RE: BBB #********
Dear ********** *******
This letter is in response to the correspondence received by the BBB dated April 15, 2025 involving issues with your Lead Bank Credit Builder Account serviced through Self Financial .
A Credit Builder Account (CBA) was opened on 02/15/2024 with a loan agreement electronically signed by ********** ****** that stated 24 monthly payments of $25.00 were due beginning on 03/15/2024, please see Exhibit A - Loan Agreement attached. There were 4 successful payments credited to the account. The last successful payment was posted on 06/15/2024 in the amount of $25.00 using a debit card ending in 7014. The CBA was closed 10/04/2024 as a result of becoming 80 days past due.
The personal information recorded on the CBA has been verified as associated with ********** ******. The email address on file matches what is on the CFPB complaint. All correspondence from Self has been sent to that email address on file since the account origination. The successful payments credited to the account have not been charged back by the financial institution for suspicion of fraud or unauthorized activity. Our research based on the information provided and available does not reflect the account to have been opened fraudulently. If you have new information to support the account being opened by someone other than yourself please contact Self at one of the methods below.
At this time, the Bank considers this matter resolved. If you need additional information or have additional questions, please contact Self’s Customer Success team by telephone (************), email (****************), or live chat.
Sincerely,
Compliance Team
Lead Bank
Attachments: Exhibit A - Loan Agreement
Initial Complaint
Date:04/12/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Hello this technically not a complaint but more of a request for a resolution. I have an account with Self Lending acct#crd000 i've been using it to build credit. Im actually concerned about the credit reporting. Because the balance for some reason is reporting as $244 when it should be $166 it seems like experian isnt investigating the disputes. Im reaching out to you hoping you can notify them of the correct balance on the account thanks.
Customer Answer
Date: 04/16/2025
THere is no third party im confused im just asking for a correction to my credit report.
Business Response
Date: 04/23/2025
***** *** ****
*** ** *** ******** **********
**** * **** ***
****** ***** ** *****
*** *** *********
**** ***** ******
This letter is in response to the correspondence received by the BBB dated April 17, 2025 involving issues with your Lead Bank Self Secured Credit Card serviced through S*** **********
Account(s) Information:
Secured Credit Limit (SCC): $850.00
Open Date: 09/04/2021
Last Payment Date: 04/17/2025 in the amount of $282.97
Dates the account was reported delinquent: 08/07/2024, 09/06/2027, 10/07/2024,
11/06/2024, 02/04/2025, and 04/06/2025.
Current Balance: $363.14
Close Date: Active
Findings:
The Self Secured Credit Card (SCC) referenced above was opened using funds that were paid into your Credit Builder Account with a cardmember agreement. You agreed to the terms, conditions, and specific details of SCC. Your balance as of the March statement was $166.17. However, due to additional transactional charges and accrued interest, the balance increased by 04/06/2025. ****** records indicate that the reported balance as of 04/06/2025 was $177.00. The accounts you have opened with Self Financial, Inc. and Lead Bank have all been reported accurately and within the guidelines set forth by the Fair Credit Reporting Act. Prior to all late reporting, you received statements advising you of due dates and the minimum payment amount. Self also sent emails advising you of missed payments and stating that if the account went 30+ days past due, it would be reported to the credit reporting agencies. You can view all statements by logging into your account via ****** website or mobile app.

At this time, the Bank considers this matter resolved. If you need additional information or have additional questions, please contact ****** Customer Success team by telephone (8************* ***** ******************* or live chat.
Sincerely,
Compliance Team
Lead Bank

Customer Answer
Date: 04/24/2025

Complaint: 2******* I just want you guys to report the correct balance to the bureaus

I am rejecting this response because:

Sincerely,

***** *****
Initial Complaint
Date:04/06/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for this debt with Lead Bank, I do not have a contract with Lead Bank, they did not provide me with the original contract as i requested
Business Response
Date: 04/14/2025
April 14 , 2025

BBB
***** * ******
Omaha, NE 68137

RE: BBB #********

Dear ****** ********

We are in receipt of your recent complaint filed through the Better Business Bureau (BBB)
expressing your concerns regarding late payments reported on your credit report. Upon receipt of your complaint a thorough investigation was completed into this matter. Please find below a summary of what transpired and our findings regarding your account.
A Credit Builder Account (CBA) was opened on 07/04/2022 with a loan agreement electronically signed by you, ****** *******, that stated 24 monthly payments of $35.00 were due beginning on 08/04/2022 and concluding on 07/04/2024. No successful payments were credited to the account. As a result, the Credit Builder Account was reported as delinquent to the credit reporting agencies due to noncompliance with the terms and conditions outlined in the loan agreement. Please refer to Exhibit A for further details regarding the terms of the agreement. The CBA was closed on 10/24/2022 as a result of non-payment.
The accounts you have opened with Self Financial, Inc. have all been reported accurately and within the guidelines set forth by the Fair Credit Reporting Act. Prior to all late reporting you received statements advising of due dates and the minimum payment amount. We also sent emails advising you of missed payments and stating if the account went 30+ days past due it would be reported to the credit reporting agencies. You can view all statements by logging into your account via our website or mobile app.
At this time, the Bank considered this matter resolved. If you need additional information or have additional questions, please contact Self’s Customer Success team by telephone **************, email ******************, or live chat.

Sincerely,
Compliance Team
Lead Bank
Enclosure: Exhibit A

Customer Answer
Date: 04/14/2025

Complaint: ********

I am rejecting this response because:

Sincerely,

****** *******
Business Response
Date: 04/16/2025
*** ******* responded with, "I am rejecting this response because:

Sincerely,

****** *******"
=================

Would you be able to obtain additional details from *** ******* regarding why he is rejecting our response because there was no reason provided? Thank you.

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When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

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