Consumer complaint received 2025-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Self Financial Inc.
State: CA

Complaint narrative:
XX/XX/XXXXMy name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have currently two accounts (credit cards) through SELF FINANCIAL.\n\n\t1ST Account: Credit Card ending in XXXX2nd Account: Credit Card ending in XXXXEXPERIENCE WITH SELF AS A CLIENT:\n\n1ST Account: Credit Card ending in XXXX\n\tAfter several calls to Self to report suspicious activities (unauthorized charges) and purchases I didnt make, with no resolution (poor investigation) by Self representatives, who appear to bXXXX XXXX XXXX XXXX XXXXs I saw the need to protect myself and request the cancellation of card  XXXX. \n\tA replacement card was issued: Credit Card ending in XXXX.\nI continued with the same situation after several months, (unauthorized charges), the response I received by Self representatives about the unauthorized charges was perhaps you have your card stored iXXXX XXXX XXXX  and someone else is using it, like XXXX XXXX. This response was inappropriate, unprofessional and I responded: I dont have children and upset I requested the immediate cancellation again of the card. The Credit Card ending XXXX XXXX was NOT CANCELLED despite my request leaving me as a client highly exposed and vulnerable to credit card fraud and/or identity theft.  I had to request again after some months the cancellation of the card. Representatives were not investigating or escalating the depth of my dispute despite alerting them of unauthorized charges.\n\tOnly then, another replacement Credit Card ending in XXXX  was sent to my home address. Again, it had to be replaced for Card ending in XXXX.\n\nNOTE: \n\nIn 11 months, I had to change several cards for the card ending in XXXX  for security reasons with NO RELEVANT RESPONSE EVER ABOUT THE UNATHORIZED CHARGES. THE CHARGES WERE RELATED TO UBER EATS DELIVERIES, I WAS ABLE TO SHOW THAT MY XXXX  ACCOUNT DOESNT HAVE ANY ORDERS EVER, I AM ONLY REGISTERED AS AN XXXX DRIVER BUT ALSO CONFIRMED BY XXXX  THAT I DONT HAVE ANY ACTIVITY NEITHER AS XXXX XXXX XXXX XXXX XXXX XXXX\n\nTHEIR RESPONSE WAS: AFTER OUR INVESTIGATION WE SAW SEVERAL XXXX  ACTIVITES SO THE CHARGES ARE YOURS, DESPITE MY DISPUTES THEY AFFRIMED/ASSUMED THE CHARGES WERE ACCURATE. \n\nI HAVE BEEN REQUESTING THE ADDRESS OF THE UBER DELIVERIES TO KNOW WHO IS THE PERSON BEHIND THE ORDERING AND THE LOCATION BUT WITH NO SUCCESS NEITHER FROM XXXX  NOR FROM SELF. \n\nI couldnt recover the unauthorized charges. I am concerned whether SELF employees could be behind the use of clients personal information due to their negligence or null investigation of a delicate matter when a client is reporting unauthorized charges as repeating and alerting them of this serious matter.\n\n\nEXPERIENCE WITH SELF AS A CLIENT WITH A SECOND ACCOUNT:\n\n2nd Account: Credit Card ending in XXXX XXXX XXXX decided to pay Self the monthly fee XXXX XXXX XXXXor their RENT/BILLS REPORTING SERVICE in my credit report. This fee is charged every month automatically. However, since XXXX  I have been struggling with Self and the Self app (unable to access it) because my bills are either not being reported and/or wrongly (inaccurately) reported.\n\tI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX therefore the accuracy of my credit report is vital for mXXXX XXXX XXXXI must inform you that I have been applying for jobs and my background checks have been delayed, literally being passed as an applicant because of inaccurate data in my credit report in home address, utility bills, proof of residence and in general the monthly fee being charged for a service that isnt happening.\n\tI have concerns about other clients nationwide experiencing the same situation.\n\tI have been paying the Rent/Bills reporting service monthly fee since XXXX XXXX XXXX my monthly rent has not been reported sincXXXX XXXX XXXX XXXXMy cellular expense witXXXX XXXX has not been reported sincXXXX XXXX XXXXnSELF, INC. lacks operational and security measures to protect clients and to provide services as promised. I am deeply concerned that their representatives have adequate experience in customer service or in the handling of private information. If SELF outsources these services, their clients are very vulnerable. In my case already being affected by delaying my job opportunities. I AM ONLY ONE CLIENT DESCRIBING MY EXPERIENCE WITH SELF!\n\nI would like to have orientation to be better informed and to continue with my complaint to any financial or government entity. After my experience I see the need to know if SELF FINANCIAL operates under the applicable laws and regulations in the financial and in the credit reporting industries.\n\nI respectfully request to be directed to the proper entities who could assist me in soliciting an audit of SELF FINANCIAL business practices.\n\nThank youXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation