Complaints

This profile includes complaints for Self Financial, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Self Financial, Inc.

  901 E 6th St Ste 400 Austin, TX 78702-3206

• 

  RentTrack, Inc.

  4601 Excelsior Blvd Ste 503 Saint Louis Park, MN 55416

• 

  LevelCredit

  4601 Excelsior Blvd Ste 503 Minneapolis, MN 55416

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:06/20/2025

  Type:Service or Repair 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.

  Dear [Self Customer Support/Loan Servicing Team],I am writing to express my concern regarding the recent payment I made to pay off my Self loan in full using my debit card. I have used this method successfully in the past, and at that time, the process was completed without delay.However, I was recently informed that it will now take up to three weeks for my funds to be released. I respectfully request that this process be expedited. These funds were saved for a specific and time-sensitive purpose, and I am unable to wait the full three weeks.I have fulfilled my obligation by paying in full, and I kindly ask that you release the funds as soon as possible or provide a clear explanation for the delay and what steps I can take to speed up the process.Thank you for your attention to this matter. I look forward to a prompt

  Business Response

  Date: 07/08/2025

  Thank you for your recent inquiry addressed to Self, which was forwarded to us from the Better Business Bureau of *************. To ensure the most efficient handling, please reach out to us directly by phone **************.  
  Kind regards,
  Self Team

• Initial Complaint

  Date:06/19/2025

  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.

  Pursuant to 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports, any information reported on my consumer report requires explicit written consent. At no time did I provide such consent, and reporting this information without my authorization is a clear act of fraud. Under 15 U.S. Code 1681a(2)(B) - Exclusions from a Consumer Report, any credit transaction that involves the use of a Social Security card is required to be excluded from a consumer credit report. This account violates that provision and should not be reported.

  Business Response

  Date: 07/08/2025

  Thank you for your recent inquiry addressed to Self, which was forwarded to us from the Better Business Bureau of *************. To ensure the most efficient handling, please reach out to us directly by phone **************.  
  Kind regards,
  Self Team

• Initial Complaint

  Date:06/17/2025

  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.

  On Saturday May 31, 2025 my car was broken into and my Self Credit card was stolen. We did not notice it was gone until the morning of the 31st. We filed a police report (attached) documenting the theft and included the corresponding fraudulent charges. I called Self that morning to report the card missing but was told that since it was the weekend no one was available to report the fraud, but the card was blocked. On Monday June 2nd I called and reported the fraud and on June 3rd the fraudulent charges were removed. But, on Friday June 13, 2025, the fraudulent charges re-appeared. When I called in they stated that my fraud dispute was declined because the fraudulent charges were consistent with a pattern of past charges and that since I was on the app monitoring if the card was used again that I falsely reported the card stolen. This could not be further from the truth. In fact, the there was an attempt at a charge later in evening well after I reported the card stolen and it was blocked. I called Self on June 13 to find all of this out and to resubmit the dispute. I was never informed that there was an issue with the initial dispute either by email, in the app, orby physical mail. In fact, I only received an email today (attached) documenting the denial of the initial dispute, this seem like a CYA email as they never sent the original. Also, not only did they re-instate the disputed charges, but they put in one charge twice so the debt owed to them is higher than it should be. I was diligent in all of my reporting of the theft and checking the app to make sure the block was in place, and the false claim that I was using the card myself is wrong and insulting. I am sure the app geolocates where I was when the app was accessed and that would be my next step to access that data as well as any camera footage of where the and when the card was used.

  Business Response

  Date: 07/09/2025

  ******** ********
  **************************;
  ***********************
  
  

  Attached is a response to your concerns presented. Thank you. 

• Initial Complaint

  Date:06/17/2025

  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 writing to inform you that a fraudulent account has been opened in my name with SELF / LEAD. I am a victim of identity theft and did not authorize the opening of this account. Below are the details of the fraudulent account:Creditor Name: SELF / LEAD Opened Date: 1/27/2022 Account Number: ********************High Credit: $724.00 I kindly request that you close this account immediately and remove any negative information associated with it from my credit report. Additionally, I would appreciate it if you could provide confirmation of the accounts closure and any relevant documentation related to the fraudulent activity.Thank you for your prompt attention to this matter.

  Business Response

  Date: 07/09/2025

  Attached is the details of the investigation which was completed into this matter. Thank you. 
  
  

• Initial Complaint

  Date:06/17/2025

  Type:Billing Issues
  Status:

  UnansweredMore 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 writing to report a fraudulent account that has been opened in my name with Self Financial/Lead BA. I am a victim of identity theft and did not authorize the opening of this account. Below are the details of the fraudulent account:Creditor Name: Self Financial/Lead BA Opened Date: 7/30/2024 Account Number: ******************** High Credit: $717.00 I kindly request that you close this account immediately and remove any negative information associated with it from my credit report. Additionally, I would appreciate it if you could provide confirmation of the account's closure and any relevant documentation related to the fraudulent activity.Thank you for your prompt attention to this matter.

• Initial Complaint

  Date:06/13/2025

  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.

  Hi, I have had self for over 2 years and closed my account back in Oct 28th 2024 by utilizing my credit builder savings for ***** as I spoke with a *** and they mentioned that was all that was needed to close my account. Apparently that was incorrect as I then received interest in Novemeber and a late fee in December. I did not notice this until January when I randomly logged into my account old account and noticed their was a small balance. I paid the small balance of $40 that it showed and thought I put it to rest. No, I did not as there have been now 5 more late payments tacked on to the account and shows that I have a balance of $159.45 and has been negatively impacting my credit, the complete opposite of what "Self" is supposed to do. I have not used that card since June 29th, 2024, everything in that balance is fees. I need help getting this resolved ASAP. I spoke to a ***resentative on the phone today and explained the entire situation and they were unwilling to help. I then asked to speak to a manager, and was put on hold for over an hour and then phone was hung up, they completely wasted my time and never jumped on the line. This to me is very disrespectful. I am not asking for a lot, just for the fees on my account to be removed so that I can be done with this and to get the late payments removed from my credit. If you have any questions, please feel free to reach out to me via phone or email.Thank you,

  Business Response

  Date: 07/02/2025

  Thank you for your recent inquiry addressed to Self, which was forwarded to us from the Better Business Bureau of *************. To ensure the most efficient handling, this correspondence was forwarded to Selfs Customer Satisfaction team to investigate and respond. Upon receipt of your complaint a thorough investigation was completed into this matter. Please see attached a summary of what transpired and our findings regarding your account. 
  

  Kind regards,
  Self Team 
  

  
  

• Initial Complaint

  Date:06/13/2025

  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 believe this account has been assigned to me in error, as I am not liable for the debt in question.I have no contractual obligation with SBNASELFLNDR and have never received any documentation to substantiate the validity of this debt, despite my formal requests for verification. I specifically asked to review the original application or contract related to this alleged debt. Since SBNASELFLNDR has been unable to provide this documentation, I assert that the debt is not mine and should not be associated with my records.I kindly request the removal of this erroneous collection from my account and an acknowledgment of this resolution in writing. Thank you for your attention to this matter.

  Business Response

  Date: 06/25/2025

  Thank you for your recent inquiry addressed to Self, which was forwarded to us from the Better Business Bureau of Central Texas. To ensure the most efficient handling, this correspondence was forwarded to Self’s Customer Satisfaction team to investigate and respond. Upon receipt of your complaint a thorough investigation was completed into this matter. Please see attached a summary of what transpired and our findings regarding your account. 
  

  Kind regards,
  Self Team 
  

  
  

• Initial Complaint

  Date:06/13/2025

  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.

  COLLECTION AGENCY is violating the Customer Name, they removed it from one bureau and did not removed it from rest of the bureaus.

  Business Response

  Date: 06/24/2025

  Thank you for your recent inquiry addressed to Self, which was forwarded to us from the Better Business Bureau of Central Texas. To ensure the most efficient handling, this correspondence was forwarded to Self’s Customer Satisfaction team to investigate and respond. Upon receipt of your complaint a thorough investigation was completed into this matter. Please see attached a summary of what transpired and our findings regarding your account. 
  

  Kind regards,
  Self Team
  

  
  

• Initial Complaint

  Date:06/13/2025

  Type:Service or Repair 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 find this account to be incorporated with inaccurate information, I strongly believe this to be misleading and misrepresentation of my credit history.

  Business Response

  Date: 06/24/2025

  Thank you for your recent inquiry addressed to Self, which was forwarded to us from the Better Business Bureau of Central Texas. To ensure the most efficient handling, this correspondence was forwarded to Self’s Customer Satisfaction team to investigate and respond. Upon receipt of your complaint a thorough investigation was completed into this matter. Please see attached a summary of what transpired and our findings regarding your account. 
  

  Kind regards,
  Self Team
  

  
  

• Initial Complaint

  Date:06/11/2025

  Type:Order 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 made a payment of $768.94 on 6/5/25. I had made a large payment with the impression based off the information provided that I would receive my money back in a timely manner and had no idea it would take up to 3 weeks. I paid $1056.94 and they claim only $1006.44."If you chose to get your payout by check, it could take about 3 weeks to get your money, but direct deposit may take less time. If you havent completed or closed your account yet, switch to direct deposit to get your money sooner." ************************************************************************************************************ "Once you finish your account, it takes up to 3 weeks for your money to arrive, depending on the payout method you chose." Below is more about the payout options. I had searched several articles to ensure I was making a good decision. What are my Self payout options?There are two ways to receive a payout from your Self Credit Builder Account:Direct deposit to your bank account.Paper check in the *********** deposit is usually the fastest way to get your money.Heres what to know about both options.Payout by direct deposit If you want your money directly deposited into your bank account, set up your bank account information as soon as possible after you open your Credit Builder Account.Connecting your bank account early in your loan helps avoid confusion and delays as you near the end of the loan term. Double check that you entered your bank account correctly to avoid any issues with payments.Another reason to connect your bank account early is that once your Credit Builder Account closes, it may be too late to add a bank account and choose direct deposit, depending on your banks processing times.Payout by paper check If connecting a bank account and using direct deposit isnt an option or you just dont want to do that, we will mail you a paper check.Note: paper checks may take up to three weeks to arrive by *****************.

  Business Response

  Date: 06/25/2025

  Thank you for your recent inquiry addressed to Self, which was forwarded to us from the Better Business Bureau of Central Texas. To ensure the most efficient handling, this correspondence was forwarded to Self’s Customer Satisfaction team to investigate and respond. Upon receipt of your complaint a thorough investigation was completed into this matter. Please see attached a summary of what transpired and our findings regarding your account. 
  

  Kind regards,
  Self Team