Consumer complaint received 2024-11-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Self Financial Inc.
State: CA

Complaint narrative:
I made many payments to Self to assist with repairing my credit. They hold onto MY OWN money, & report it as a loan. After paying over {$300.00} to Self, being charged fees along the way, all to hold MY OWN MONEY, my family was forced to move and I became unable to pay. Self closed my account in XX/XX/XXXX. They continued to HOLD my OWN MONEY, ignoring the instant payout selection I had made. They closed my account in MAY, but CONTINUED CHARGING ME {$15.00} x 7+ MONTHS for interest and late fees ALL THE WHILE STILL HOLDING MY MONEY AND REPORTING NEGATIVE/LATE PAYMENTS TO MY CREDIT! If thats not absolute crazy enough, SELF took {$100.00} from MY MONEY that they were holding, and PAID the SECURE credit card I held with them. SECURE CARD means I, again, supplied that money, to use MY OWN MONEY as an allowance on a card. Yet they still took my own money, from the other account which held my own money, to PAY the SECURE card. This is absolutely UNREAL. NOW they claim I owe THEM, and have reported to credit a past due of {$180.00}. IN SUMMARY, I have paid Self, a total of {$370.00}. Upon account close, ZERO of my money was returned to me, as promised. Although the account was closed, and they were holding my funds, self continued charging me $ XXXX ongoing, while reporting negatively to my credit, again, while still holding my {$370.00}. They allowed the late and interest fees build up to exceed my paid in amount before sending me off to collections for this absolutely ABSURD. Let me be clear I paid {$370.00} to them, and got nothing but negative credit. ABSOLUTELY LUDICROUS. Due to Selfs unprofessional and predatory processes and blatant disregard for the importance of responsible credit reporting -- I DEMAND PROMPT REFUND for ALL I have paid into this QUESTIONABLE, ( this even legal? ) service. For {$

370.00}, they provided me with NOTHING BUT NEGATIVE CREDIT and a SWIFTLY DROPPING CREDIT SCORE. Ill be contacting the CFPB if I dont receive my demanded result, and QUICK. Desired Outcome/Settlement Desired Settlement : Other ( requires explanation ) R
efund my payments in full - total : {$370.00} in full to the card on file and remove account ( XXXX ) from my credit profiles IMMEDIATELY. 

I submitted this information to the XXXX, and have included that info here below. 

Message to the Consumer on Friday, XX/XX/year> XXXX XXXX XXXX, CA, XXXX Re : XXXX  Complaint # XXXX Dear XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ) is in receipt of your complaint filed against Self Financial , IncXXXX on XX/XX/year>. After reviewing the information, your complaint 's details appear to fall within XXXX  's Complaint Acceptance Guidelines.

Your correspondence has been sent to the business. XXXX  has requested a response to the issues outlined in your complaint within XXXX ( XXXX ) days. XXXX  conciliation process XXXX take up to XXXX ( XXXX ) days, and we will send you any response they provide. Let us know if your complaint is resolved outside of XXXX  's conciliation process. 

If you received this complaint via email, we kindly request you to regularly review your spam or junk folder for messages from the XXXX  throughout the conciliation process to ensure you don't miss out on any correspondence. 

Please understand that your complaint and any other response XXXX be publicly posted on the XXXX  website ( XXXX  reserves the right to not post per XXXX  policy ). XXXX XXXX edit the complaint or responses to protect privacy rights and remove inappropriate language. 

By submitting your complaint, you represent a truthful account of your experience with the business. Upon completion, we will publish the outcome of this complaint on the company 's XXXX  XXXX XXXX. 

Please note that XXXX  is not an enforcement agency and can not guarantee a response or resolution from businesses. XXXX  's role is to facilitate communication in the community and request that business address marketplace issues within our purview. 

If you need information about a XXXX 's reliability or other businesses, please visit https : //www.bbb.org/search to review a company 's XXXX  XXXX XXXX XXXX XXXX. Please feel free to reach me with any questions or concerns regarding XXXX  processes. 
Thank you, XXXX XXXX Business Reputation & Data Insights Specialist XXXX Message to the Consumer on Monday, XX/XX/year> XXXX XXXX XXXX, CA, XXXX Re : XXXX  Complaint # XXXX Dear XXXX XXXX : Thank you for contacting XXXX  to assist you in resolving a recent complaint with Self Financial , Inc. on XX/XX/year>. 

XXXX has attempted to contact the business regarding the above-referenced complaint and has not received a response from the business. As of todays date, XXXX  issued a second request to the business asking them to respond to the issues outlined in your complaint within XXXX calendar days. 

Please let XXXX  know if the company has contacted you directly to resolve your concerns and XXXX  will work with you to update our records. You XXXX send this update to me at XXXX. Otherwise no action is necessary as XXXX  will continue to pursue your complaint. 

We appreciate the opportunity to be of service and sincerely hope you contact us to research a business in the future. If you need information about a contractor 's reliability or other businesses, please visit https : //www.bbb.org/search to review a company 's XXXX  XXXX XXXX XXXX XXXX. Please reach me at XXXX with any questions or concerns regarding this communication. 

Thank you, XXXX XXXX Business Reputation & Data Insights Specialist XXXX XXXX

Company response to consumer: Closed with explanation