Consumer complaint received 2025-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Self Financial Inc.
State: PA

Complaint narrative:
After months of inquiring insufficient fee, I contacted self to see since this was the second time I was utilizing their credit builder account and the pervous builder everything was okay until the autopay that I had set up from the first time utilizing their services was still showing as the method of auto pay. After serval time of trying to fix the problem on my own, I finally got frustrated and contacted self regarding the insufficient fee that was on my account. The representative name XXXX helped me out by walking me through the stuff of changing the autoppay to another account. Unfortunately I thought that was be the last of that problem and to be honest I told them I am actively in XXXX school and I cant be bothered with fee and told them I barely check the app and to ensure I dont have another fee if this is not going to change back to the old method of payment at an Account that been close over an year. After being lied to and I started my semster which is extremely time consuming and I barely check the app. On XX/XX/XXXX I received an email and imagine this, I barley utilize my email and been trying to take funds out the same old account that I have called in around XXXX of XXXX to get the autopay changed to something thats active. After being lied to and trying to contact self, they were closed because it was after business hours. Next day XXXX XXXX I received another email stating that my account was closed and they took all {$590.00} from the account and kept it. They told me {$160.00} was insufficient funds, {$130.00} for interest fee ( which to be honest with you I am uncertain of the interest ) and {$14.00} for late fee. After being lied to by serval of their employees and being told that my autopay was changed and due to the lack and unacceptable service I decided to record the conversation that day. Fast forward, today I called seeking and crying to see if the fee can be reversed because I been calling since XXXX XXXX and XXXX XXXX to change those autopay to my active banking account. The supervisor told me theres nothing they cant do about it and was extremely frustrated and they had me on the phone over five hours. After trying to email them the proof they cut my access for my online so I wont have the information because I told them Ill report them to better business. {$290.00} in totally they kept and as a single mom and in college, its extremely difficult trying to talk and get my point across someone who dont care. Even when I played their recoding the manage proceed to hanging up the conversation And honest to you at this particular time and moments not only have they personally messed up my credit score because they reported since XXXX, then none of the payment was made. I was charged insufficient fund for for five months and charge late fee so everything that I put towards the credit Bureau pretty much they end up taking and they have no remorse stop picking up the call and at this moment I just need help. I just need help because {$290.00} might not be a lot to you but right now as a XXXX student a single mom thats a lot of money. Thats my car notes and thats my insurance. Honestly, at this point, its not just about the fees. Its about the damage theyve done to my credit score. Theyve been reporting that I havent made payments since XXXX, when all along Ive been trying to fix the autopay issue. They charged me insufficient funds fees for five months and kept adding late fees. Everything Ive worked hard to build with the credit bureaus is being wiped out because of their mistakes, and they show no remorse for it. They wont even pick up my calls anymore, and Im left with nothing but frustration. Right now, I just need help. {$290.00} might not seem like a lot to some, but for me, as a XXXX student and a single mom, thats a huge amount. Thats my car note and my insurance, and its a struggle to even make ends meet. Ive been begging for someone to help me, but all Ive gotten is lies and poor service. At this point, I dont know where else to turn.

Company response to consumer: Closed with explanation