Consumer complaint received 2022-04-26
Company: Self Financial Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened a self credit builder account XX/XX/2020. I had paid {$48.00} per month into a savings account that is supposed to report positive credit payment history. I paid every single month on time. After the 3rd month of on time payments they use your money you've paid in for the deposit. At the end of the account before it was closed I had a credit limit of {$270.00}. I always paid my credit card balance in full. I started out at XXXX Credit score after the XXXX month of paying in the $ 48 monthly payment I was at XXXX. Then in XXXX my vehicle was stolen with my wallet social security cards drivers license credit cards debit cards including birth certificate and my credit score was just distroyed and is a whole XXXX score. There were multiple fraudulent charges made on my self credit card. It was completely maxed out and I had just paid off the balance prior to it being stolen so it was at {$0.00}. I had to dispute all the transactions and they had went through for the most part but there was a couple that didn't and was a balance of {$60.00} left due to that fact. During the dispute process I owed {$270.00} cause the fraudulent charges and was causing negative credit history to be reported to my account. And also due to my wallet being stolen I had no way to pay my monthly {$48.00} to self because my card were gone and caused me to have more negative payment history. It happened right towards the end of the month when my payment was due so my card being taken right before my payment is due is what caused me to miss the payment and then before the next month came I still haven't recovered oh my replacement cards and miss that payment as well and have been trying to contact the company regarding the matters and can not be resolved via phone support chat support avs email. In one of the emails I had contacted self explaining about my situation with my card being stolen in my wallet with my car and they completely disregarded my problems and insisted that I sent a picture of my driver 's license to verify the account due to this matter that I was explaining knowing my wallet was just stolen and that I couldn't do so because I didn't have a driver 's license so they closed my account. They are supposed to send a payment of the money that I paid in over the 10 months which comes to {$480.00} but they had only sent me {$110.00}. There saying the rest of that money I owed for something which is obviously incorrect because they are still saying I owe money so how did I get the {$110.00} if I still owe so didn't make sense. The {$60.00} from the fraud transactions should have been disputed and still to this very day in every month and they are still charging {$15.00} late fees and Reporting delinquent account every 30 days for not paying towards the fraudulent transactions from XXXX. Also there was a transaction for {$3000.00} for XXXX XXXX XXXX that went through when my credit limit is only {$270.00} thank you my credit utilization over 3000 % and hurt my credit score horribly and still nothing has been done about any of these problems that I've emailed them about countless and countless times and seems like they never even read it.

Company response to consumer: Closed with explanation