Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Self Financial Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Email : [ your email ] Phone : [ your number ] Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXXXXXX XXXXXXXX XXXX, D.CXXXX XXXX And : Federal Trade Commission ( FTC ) Consumer Response Center XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX D.C. XXXX Subject : Formal Complaint Regarding Unauthorized Billing by XXXX and Negligent Handling by Self Financial Dear Sir or Madam : I, XXXX XXXX XXXX, submit this formal complaint against XXXX and XXXXf Financial , Inc., regarding unauthorized credit card charges and unlawful billing practices in violation of federal consumer protection laws. 

I. Summary of Facts On XX/XX/XXXX, I disputed an unauthorized charge from XXXX in the amount of {$71.00} that was processed on a card ending in XXXX, managed by Self Financial. 

Despite the active dispute, XXXX unlawfully recharged my account on XX/XX/XXXX, again for {$71.00} ( not the {$71.00} promotional rate advertised ), without authorization, valid consent, or any resolution of the original dispute. 

Self Financial, rather than protecting my account and honoring standard dispute protections, acted in collusion or with gross negligence by allowing a duplicate and fraudulent debit to be processed against my card. 

A letter from Self Financial related to the matter was not received by me until XX/XX/XXXX, though it demanded a response by XX/XX/XXXX, XXXX days prior to actual deliverya clear act of procedural bad faith that deprived me of due process. 

Following the original dispute, Self Financial closed my card account but has failed to issue a replacement card, thus preventing my access to funds and services. As of this writing, no replacement card or communication has been received. 

XXXX. Legal Violations This conduct constitutes multiple violations of federal consumer protection statutes, including : Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. XXXX et seq. 
Regulation XXXX prohibits unauthorized transfers and mandates prompt investigation and resolution. See XXXX XXXX XXXX. 

Fair Credit Billing Act ( FCBA ), 15 U.S.C. XXXX Requires a creditor to resolve billing disputes within XXXX  days and prohibits further billing or collection on the disputed item during the investigation period. 

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXX et seq. 
Any attempt to collect or report an illegitimate debt arising from these transactions constitutes deceptive practice under XXXX. 

Federal Trade Commission Act ( FTC Act ), 15 U.S.C. XXXX Section XXXX prohibits unfair or deceptive acts or practices. The joint conduct of XXXX and Self Financial meets the standard of deceptive billing and abusive merchant processing. 

XXXX. XXXX XXXX XXXXXXXX XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Demonstrates failure to respond appropriately to a dispute as a violation of federal billing law. 

XXXX v. XXXX XXXX Bank, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) Establishes liability for bank practices that allowed unauthorized charges and delayed customer notice. 

In re XXXX XXXX Overdraft Litig., XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXXXXXX XXXX ) Confirms a financial institution 's responsibility for allowing fraudulent transactions and failing to protect the account holder. 


Conclusion This case presents a clear pattern of deceptive merchant behavior, enabled or ignored by a negligent financial institution, resulting in unauthorized charges, due process violations, and restriction of account access. I request full restitution, account restoration, and regulatory action. 

Please confirm receipt of this complaint and advise of any additional documentation needed. Thank you for your time and attention. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation