Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Self Financial Inc.
State: AL

Complaint narrative:
Here below is an email regarding this situation that I just sent to Transunion, Equifax, and XXXX : -- -- - Forwarded Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sent : Sunday, XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX Subject : XXXX : Notice regarding your Self Visa Credit Card order attempt Dear Transunion, Equifax, and Experian XXXX I hope this finds you doing well. I am writing in regard to the below ermail that I just received from XXXX XXXX Credit Card. Evidently, this company is a total scam and fraudulent service, as I applied fro their credit card and they approved it. I paid them {$100.00} to put on the card as it is secured credit card, and they never put the {$100.00} on the card. I called them and they said that the {$100.00} would be put on the card the next day by XXXX XXXX. The next day the {$100.00} was still not on the card. XXXX days past and they still did not put the {$100.00} on the card, so I canceled the account and they told me that it would be 30 days before they could refund my money, and now they have the nerve to send me an email like this here below as if I was never approved for the card in the first place. I am going report them to the Better Business Bureau and a Consumer Complaint organization. Very well, thank you, and please update this information for the record regarding this company and my account. Respectfully, XXXX XXXX XXXX XXXX : What adverse action. These people approved my account, took my {$100.00}, and then never applied the {$100.00} to the credit card. Now they want to act like they never approved the card and told me after I cancelled the card that it would be 30 days before they refund my {$100.00}. Then they have the nerve to send me a notification of adverse action as if I am in the wrong? The letter of adverse action that they sent me is not even a legitimate adverse action letter. It does not even advise the consumer of a right to obtain the credit report as required by law. This company should be reported to the XXXX Department of Justice. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ( Military XXXX Commissionable ) XXXX. XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX XXXX File No. XXXX M.A. Law/Legal Studies ( XXXX XXXX ) American Bar XXXX XXXX XXXX File No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX THE EMAIL FROM SELF CREDIT CARD : -- -- - Forwarded Message -- -- - From : Self XXXX To : " XXXX '' XXXX Sent XXXX Sunday, XX/XX/XXXX at XXXX AM XXXX Subject : Notice regarding your Self Visa Credit Card order XXXX XXXX XXXX Hi, Unfortunately, your Self Visa Credit Card account can not be opened at this time. The notice of adverse action is attached. Sincerly, Self Team self.inc App Store is a registered trademark of XXXX XXXX XXXX XXXX and the XXXX XXXX logo are trademarks of XXXX XXXX XXXX All Credit Builder Accounts made by XXXX Bank, Member FDIC, Equal Housing Lender, Sunrise Banks, XXXX. Member FDIC, XXXX XXXX XXXX, XXXX XXXX Bank, XXXX. XXXX FDIC, XXXX XXXX XXXX. Subject to ID verification. Individual borrowers must be a XXXX XXXX or permanent resident and at least XXXX XXXX XXXX. Valid bank account and Social Security XXXX are required. All loans are subject to consumer report review and approval. Results are not guaranteed. Improvement in your XXXX XXXX is dependent on your specific situation and financial behavior. Failure to make monthly minimum payments by the payment due date each month XXXX result in delinquent payment reporting to credit bureaus which may negatively impact your XXXX XXXX. This product will not remove negative credit history from your credit report. All loans subject to approval. All Certificates of Deposit ( CD ) are deposited in XXXX Bank, Member FDIC, Sunrise Banks, XXXX. XXXX FDIC, XXXX XXXX Bank, XXXX. XXXX FDIC. XXXX Bank, Member FDIC, XXXX XXXX XXXX XXXX Banks, XXXX, Member FDIC, XXXX XXXX XXXX XXXX XXXX Bank, XXXX, Member FDIC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX All rights reserved. The Self Visa Credit Card is issued by XXXX Bank, Sunrise Banks, XXXX, or XXXX XXXX Bank, XXXX, each Member FDIC. The Self Plus Credit Card is issued by XXXX Bank, Member FDIC, Equal Housing Lender.See Self.inc for details. Fees apply.

Company response to consumer: Closed with explanation