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Business Profile

Credit Repair Services

Self Financial, Inc.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Repair Services.

This business has 2 alerts

Complaints

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

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Self Financial, Inc. has 3 locations, listed below.

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    Customer Complaints Summary

    • 1,411 total complaints in the last 3 years.
    • 339 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:07/21/2025

      Type:Product Issues
      Status:
      Resolved
      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 closed an account 7/2/25, I was told I would receive the $100 I had deposited and I have not received it. The company has been provided my bank information as they requested for this purpose and yet they have NOT returned my money.

      Business Response

      Date: 07/23/2025

      Thank you for your recent inquiry addressed to Self, which was forwarded to us by the Better Business Bureau of *************. To ensure your concerns are handled efficiently, your correspondence has been directed to our Customer Satisfaction team.

      In coordination with our Customer Success team, we have confirmed that a $100 payout is currently being processed through ACH to account ending in 6985. You should receive the funds within the next 3 business days. The delay is due to the fact we need to await for any potential trailing activity on the credit card to be completed before processing a return of the secured funds. Sorry about the confusion and We apologize for the delay in response and appreciate your patience.

      If for any reason you do not hear from our team within a reasonable timeframe, you may also reach our Customer Success team directly at:
      Phone: ************
      Email: ************************************************************
      Live Chat: Available via our website or mobile app
      Sincerely,
      The Self Team


      Customer Answer

      Date: 07/23/2025

      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. I finally received the money and I sent an email that I had gotten it I think Monday? however the account was closed allowing NO further activity on it since 7/2 so this was very shady to keep drawing interest on mine and how many others deposits all that time? There is no excuse to hold someone's money that long.

      Regards,

      ***** *****

    • Initial Complaint

      Date:07/11/2025

      Type:Billing Issues
      Status:
      Answered
      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.
      In late June I saw Sent Financial online, and was about to get a loan with them. I filled out the information needed, including my bank account. The following day I decided not to get a loan with them, even though the information was filled out. The information filled out did not state there was a loan. I went to my bank recently and asked them to remove Self from having access to my account. They were removed that day, 07/02/******** Self keeps harassing me with emails I do not need, and today they sent me an email stating that I owe them $48 in 7 days, with no specific date on it.I have a copy of my bank statement stating that they never deposited a ***** into my account.I want them to leave me alone.I tried calling customer service and it wants you to put the last four digits of your social security number in. After hearing that the recording says "if this number is correct press 2." I didn't press the #2 button because I figured if I did they would have me trapped into something I did not get. They got my social security number from when I filled information out about a loan, even though I never did get the loan.

      Business Response

      Date: 07/23/2025

      Thank you for your recent inquiry addressed to Self, which was forwarded to us by the Better Business Bureau of *************. To ensure your concerns are handled efficiently, your correspondence has been directed to our Customer Satisfaction team. 

      A member of our team will be reaching out to you directly to discuss and address the details of your complaint. Should they not reach out in a reasonable timeline , you may reach our

      Customer Success team at:
      Phone: ************
      Email: ************************************************************
      Live Chat: Via our website or mobile app

      Sorry about the delay in response. 
      Sincerely, 
      Self Team


    • Initial Complaint

      Date:07/11/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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 May ******* as I was driving home. I saw a charge of $67.32 come across my phone. The charge was form Self. I called self to depute the charge. I called a few days later and was told I didn't have a dispute on file. I called again on the 30th of May and was told the same thing. I need to file a depute. I filed the dispute and was refunded the money back. On June 13th I saw that they took away my refund. I called them to ask why since I didn't make the charge band didn't know who did. I was in VA and the charge was somewhere else. I didn't make the charge nor did I give my card to anyone else. I work from home. I live alone. I would like my $100 back and my account closed for **********************.

      Business Response

      Date: 07/23/2025

      Thank you for your recent inquiry addressed to Self, which was forwarded to us by the Better Business Bureau of *************. To ensure your concerns are handled efficiently, your correspondence has been directed to our Customer Satisfaction team. 

      A member of our team will be reaching out to you directly to discuss and address the details of your complaint. Should they not reach out in a reasonable timeline , you may reach our

      Customer Success team at:
      Phone: ************
      Email: ************************************************************
      Live Chat: Via our website or mobile app

      Sorry about the delay in response. 
      Sincerely, 
      Self Team


    • Initial Complaint

      Date:07/09/2025

      Type:Billing Issues
      Status:
      Answered
      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.
      My name is ***** **** ******* and I am writing to report suspicious activity on my credit report. I did not open several of the accounts currently listed, including but not limited to accounts with CAP1 ********** Store, Credence Resource Manage, and I ************* I have also seen a large number of unauthorized credit inquiries that I did not initiate, mostly from auto lenders and finance companies in late 2024. I am concerned that my personal information has been compromised and used without my consent. I am requesting that the *** investigate this matter and help me correct my credit file. I am willing to provide any additional documentation that may be needed. This situation has caused me stress and harm, and I want to resolve it as soon as possible. Thank you for your attention and support.

      Business Response

      Date: 07/23/2025

      We are in receipt of your recent complaint filed through the Better Business Bureau (BBB) expressing your concerns regarding your account. Upon receipt of your complaint a thorough investigation was completed into this matter. Please find below a summary of that review attached. Thank you. 

    • Initial Complaint

      Date:07/09/2025

      Type:Billing Issues
      Status:
      Resolved
      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 my monthly payment of $39. But when I logged into my account I was notified that a payment still need to be made so thought maybe I forgot to schedule it. And I made another payment of $40. Once I realized that I made a double payment I tried to cancel but didnt not have the option. Called customer service to have them reverse the payment but they refused saying it was nothing that could be done. They are not able to refund a payment that has already posted to the account. I asked could it be credited to next month bill, I was denied because my billing cycle dont close til the 12th. And the payment was made on the 6th. I have multiple cards and have never heard of a company refusing to reverse a payment.

      Business Response

      Date: 07/22/2025

      We acknowledge receipt of your recent complaint submitted through the Better Business Bureau (BBB) regarding your concerns. After reviewing the details, we believe the best path to resolution is a direct conversation. To that end, your case has been escalated to our Customer Success team leadership, who will be reaching out to you to discuss your situation in more detail.
      If our team is unable to reach you directly, youre welcome to contact us at your convenience via phone at ************ or through live chat by logging into your Self account.
      Thank you for bringing this to our attentionwe look forward to working with you to resolve the matter.

      Customer Answer

      Date: 07/25/2025

      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

      Date:07/09/2025

      Type:Billing Issues
      Status:
      Answered
      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 had an account with them around 2022, which was closed. I check my credit reports and I have 2 accounts with them in collections, which I only had one and I don't understand how an account that I technically didn't get money from, that was CLOSED, can go into collections? That's crazy. I'm now cleaning off a few of the remainder items on my credit and saw they were on there. I sent disputes for the accounts but they are both still on there. I need you all to remove this from my credit with the negative marks because one it was years ago, and two, I did not have 2 accounts. Three, it should not be a collection account as the one I did have I closed.

      Business Response

      Date: 07/21/2025

      We are in receipt of your recent complaint filed through the Better Business Bureau expressing your concerns regarding the reporting of the accounts you had with ******************************* is the update on our investigation into this matter. Thank you. 

    • Initial Complaint

      Date:07/09/2025

      Type:Billing Issues
      Status:
      Answered
      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.
      Complaint Regarding SELF/SouthState Bank Account #****** also #****** I am filing this complaint due to repeated violations concerning a closed account from ************************************ (Account #******** This account was officially closed on July 1, 2023, yet continues to report late payments as recent as late 2024 to *********** after closure. This reporting is factually inaccurate and damaging.I have filed multiple disputes with Equifax, SELF, and the ***** but the account remains unchanged. I can provide confirmation numbers from all prior complaints if requested. Inconsistent Data:Account shows as closed on July 1, 2023, but last payment was after that on August 1, 2023 contradiction.If the account was closed, no further activity or payments should be reflected after the closure date Missing Payment Status Data:Payment status: No Info and Worst payment status: No Info are incomplete and fail to meet FCRA 1681s-2(a) which mandates furnishers report complete and accurate information.Post-Closure Delinquencies:The 2024 calendar shows additional red marks (late payments) even though the account was closed ************* violates FCRA 1681c(a)(5), which restricts how and what can be reported after an account is closed/charged off.Charge-Off Marking Without Clarity:The account is labeled as a charge-off, yet you report no balance due and no current payment obligation, which could indicate a ******************** addition, this account is reporting inconsistent account numbers across credit bureaus, further complicating resolution and violating FCRA 1681s-2(a) which requires furnishers to report accurate and consistent data, closed account still reporting late payments This situation reflects either gross negligence or willful noncompliance with federal law. I demand immediate deletion or correction of this accounts reporting and expect a full investigation into these repeated ************* name is ***** David ******* Last four of SSN: 4480.***** G

      Business Response

      Date: 07/21/2025

      Thank you for your recent inquiry addressed to Self, which was forwarded to us by the Better Business Bureau of *************. Attached is the details on oour review. Thanks. 

    • Initial Complaint

      Date:07/09/2025

      Type:Product Issues
      Status:
      Answered
      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 Credit builder took thirty five dollars out of my bank account without permission,when I called to complain they told me I must have signed up by accident but not to worry I could cancel my account and would get a refund within three weeks.Well over three months later and without a refund I called Self to see what was going on,they told me my money had been spent and I wouldnt be receiving a refund.I have never gone online to complain or review anyone but Im so upset,they basically robbed me.

      Business Response

      Date: 07/22/2025

      We acknowledge receipt of your recent complaint submitted through the Better Business Bureau (BBB) regarding your concerns. After reviewing the details, we believe the best path to resolution is a direct conversation. To that end, your case has been escalated to our Customer Success team leadership, who will be reaching out to you to discuss your situation in more detail.
      If our team is unable to reach you directly, youre welcome to contact us at your convenience via phone at ************ or through live chat by logging into your Self account.
      Thank you for bringing this to our attentionwe look forward to working with you to resolve the matter.

    • Initial Complaint

      Date:07/02/2025

      Type:Delivery Issues
      Status:
      Answered
      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.
      In may of 2025 I ordered my sled credit card and never received it I called back to get updated information they sent out 2 more cards that were never received! Monday June 30th called ask to speak with supervisor and he stated I would get my new card expedited 2day fedx and I never received tracking information or anything . Im very unhappy with the service and unprofessionally rude staff at call center unhelpful. I would like for this to be none that they business treat ppl and customers like this

      Business Response

      Date: 07/14/2025

      ***** *********
      1350 ***** DUNES apt 712
      ****************************
      ***
      RE: Better Business Bureau Complaint Case # ********
      Dear ***** ********* ,
      We are in receipt of your recent complaint filed through the Better Business Bureau (BBB) expressing your concerns regarding the service received at Self.
      We apologize for any confusion or inconvenience you experienced while awaiting delivery of your Self secured credit card. According to our records, although there were delays in card delivery, it appears that you were ultimately able to receive and activate the card. We are pleased to confirm that the card was successfully activated on July 7, 2025. Thanks again for reaching out and if there is anything else of a concern please feel free to contact our Customer Success team by telephone *************), email ************************************* or live chat.
      Sincerely, 
      Self Financial Team

    • Initial Complaint

      Date:07/01/2025

      Type:Billing Issues
      Status:
      Answered
      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.
      After recently reviewing my credit report from your company, I noticed several inaccuracies that need to be addressed. The accounts in question are listed below:Company Name: SELFINC/LEAD Account #: ********* Balance:$147.00 Under the Fair Credit Reporting Act (15 U.S.C. 1681g), I am formally requesting copies of all documents in your records that were used to verify the accuracy of these accounts. Please provide these documents in your response to this letter.I respectfully ask that you do not reply with a generic statement claiming the accounts have been verified. Instead, I expect to receive the actual records supporting this verification. If no such documentation exists, these disputed accounts should be removed from my credit report immediately, as required under Section 611(a)(5)(A)(i) of the FCRA.Including unverified or inaccurate information on my credit reportand continuing to share it with third partiesunfairly damages both my credit standing and my reputation. I ask that you take this matter seriously and resolve it as soon as possible.

      Business Response

      Date: 07/14/2025

      Thank you for your recent inquiry addressed to Self, which was forwarded to us from the Better Business Bureau of *************. Attached is the details on the research to your concern. 
      Kind regards,
      Self Team

    Self Financial, Inc. is NOT a BBB Accredited Business.

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