Self Lender Inc
Consumer Complaints
There are over 54 complaints on file for Self Lender Inc. Dated between 2019-12-02 and 2017-03-27.
Complaints by Product
| Credit reporting, credit repair services, or other personal consumer reports - Credit reporting | 29 |
| Payday loan, title loan, or personal loan - Installment loan | 14 |
Latest Complaints
2019-12-02
Indianapolis, IN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I have been having issues with my credit report, somebody put 2 credit cards in my NAME THAT I NEVER AUTHORIZED signed for EVER! One named XXXX XXXX, the other being XXXX XXXX XXXX XXXX. I have disputed this information with the bureaus and with the company, I am a male, a female has done this without my authorization, there should only be medical bills and student loans on my credit report, I have no credit nothing in my name at all. You should all investigate what IP address was used as well as signatures used because I NEVER signed for anything. I would like to get this resolved, its reflecting on all my bureaus and hindering me, I want this to be thoroughly investigated and removed and or associated with my name immediately. I also want them deleted from each bureau and I would like an updated copy reflecting that.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-11-26
Oxford, GA
Problem when making payments
Payday loan, title loan, or personal loan: Installment loan
Complaint: Dear SELF INC, Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due.
Fair Credit Reporting Act 609 Disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified.
Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Fair Debt Collection Practices Act Section 809. Validation of debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report.
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above.
Under the FCRA, unverified, invalid accounts must be removed.
If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately!
The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2019-11-07
CA
Unexpected or other fees
Money transfer, virtual currency, or money service: Mobile or digital wallet
Complaint: This action taken by the scam company has dropped my credit by 120 points for the malfunction of their app and the non-disclosure of huge extra fees In the process of trying to make payments and the app telling me that everything was fine I was unable to update the account and the payment went through the prior account even after nearly 100 times of trying to fix it there is no readily rail above phone number to call for such problems like this in a huge. Few making it impossible for consumers to know what theyre supposed to pay
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-11-01
Las Vegas, NV
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: Company refuses to work with me with account spoke to " XXXX '' a rep from their company via chat and unfortunately was told there's " Nothing they could do '' to help me fix this issue, I changed banks and completely forgot about this account that was auto-drafting from my account ; I tried fixing it w no resolution.
Pleases remove negative marks / this account from my report immediately as it is not accurate or notify me how to fix the account + bring it current.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-30
Hialeah, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-17
Jacksonville, FL
Problem when making payments
Payday loan, title loan, or personal loan: Installment loan
Complaint: Self lender falsely reported 30 day plus delinquency late payment on my credit report for my XX/XX/2019 payment after I set up auto pay in XX/XX/XXXX for the payment to be auto devoted on XX/XX/XXXX and I have the screenshot, however I logged on the account today and saw that autopsy was not reflecting. I immediate re enabled and contacted self via chat and got no help. If the late fee and my credit report is not corrected to remove the erroneous 30 day late payment, Ill be contacting the CFPB. I ask for it to be escalated and was told they have no corporate office and it could not be escalated
Company Response: Company disputes the facts presented in the complaint Closed with explanation
2019-10-12
Newark, NJ
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Problem with personal statement of dispute
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-05
Queens, NY
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Installment loan
Complaint: they have charged me fees without me knowing such as late fees and returned check fees they are rude to me their customer service when speaking with them and asking them if as a courtesy they could waive it they say no immediately not fair they treat me horrible and i always make my payments on time
Company Response: Closed with explanation
2019-09-18
Main Office, VA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-12
Lenzburg, IL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: My name is XXXX XXXX. I had a self lender account through XXXX XXXX that I closed in XXXX of 2019. The account is showing delinquent on XXXX and closed on XXXX and XXXX which it should be because I closed it. My problem is the delinquency is inaccurate information. I should not be showing delinquent because I closed the account before the payment was due. I sent certified documents to XXXX and there has still been no action taken to remove the incorrect information. I need this to be updated as I am trying to maintain my credit. Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-08-29
Manhattan, NY
Problem when making payments
Payday loan, title loan, or personal loan: Personal line of credit
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-08-16
MO
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: Since XX/XX/2019 Selflender has been continually reporting to XXXX that my closed account is open an negligent. I have spoken with representatives several times since XXXX including XX/XX/XXXXXX/XX/XXXX,XX/XX/19,XX/XX/19,XX/XX/19. They have refused to contact XXXX to fix their reporting issues. Yet, I as the consumer has to suffer and have my credit score dropped monthly for incorrect reporting on their end. I have spoke to XXXX on XX/XX/XXXX for an hour and they too have informed me of exact details of Selflender incorrectly reporting to XXXX. Selflender is continuing to not return calls or tell me someone will call me in a day and I never receive a call. I'm stressed and have suffered tremendously from this one situation.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-08-09
TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I had an account with SelfLender back in XXXX. According to MyFico score reports, XXXX & XXXX showed a 30 day late status for XX/XX/2017, while XXXX showed a 30 day late status for XXXX. See attached. I disputed the account history in order to have the report corrected, and at that time, XXXX XXXX XXXX appears to have added another 30-day late status to each of my reports.
I only paid this account late one time. In fact, every single other payment aside from that one were made early. If that's not the case, I'd like XXXX XXXX XXXX to furnish documentation to prove otherwise.
Clearly this is not accurate, and I'm quite sure they're retaliating against me for the less than favorable reviews I left them on XXXX, XXXX, and XXXX.
Company Response: Closed with explanation
2019-08-02
Las Vegas, NV
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I opened an account with selflender.com for the purposes of building my personal credit score. I was informed they were a great company in terms of helping consumers build good credit using their own money. When I open my account in XXXX I was not informed that I could not mail my check in for payment on my account. Instead I received an e-mail stating my check was being returned to me because XXXX XXXX XXXX self lenders banking partner were not able to accept a paper check as a form of payment. I contacted self lender and informed them that check payment method was the only way I could pay due to my debit card being replaced. Self lender rep stated that would be fine and just make the payment when I could. Later when I looked at my credit report I noticed I had a 30 day late for the month of XXXX although my payment is current.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-06-27
Oxford, GA
Incorrect information on your report
Payday loan, title loan, or personal loan: Installment loan
Information belongs to someone else
Complaint: The self lender account that was open on XXXX XX/XX/XXXX was open fraudulently I did not authorize this damaging account on my report or near did I apply for a installment loan with self lender because I wasn't aware of self lender at time I was not checking my credit report or I haven't had alerts enable to receive updates on my credit report so I was unaware what was going on with my credit report file I am 100 % sure that this account was opened by a mistake XXXX XXXX is a very very popular name or my Social Security could have been compromise on on a fake website And I am writing to assist with this credit report disputing process to get this damaging report off my credit file that stoping me from being financially stable at a early young age I disputed within 30 days haven't heard anything after 30 days with XXXX according to the Credit Reporting Act each and every credit bureau has 30 days to reply to your credit dispute inquiry if failed to do so employees of TransUnion failed to do their job that can result in lawsuits so I am requesting that this damaging fraudulent dispute be removed from my credit file To be specific 1 self lender account is currently open as of XXXX on my account that I am aware that I authorized.
XXXX XXXX lender account is currently closed as of XXXX that I did not authorize and was not aware of this account.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-06-21
Statesboro, GA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Company Response: Closed with explanation
2019-06-11
Mabank, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I applied for the loan on XX/XX/2019 and It was secured loan and I made 4 months of worth of payments and I paid it off on XX/XX/2019 and the company send me a check in the amount of XXXX and some change I called them and I ask them when they are gon na report to the credit bureau and they said in the first week of XX/XX/XXXX and so far it still shows in all three credit bureau I still owe this amount of XXXX and I paid it off early .. and disputed with the credit bureaus and it was denied within 2-3 days and im asking self lender to report my account as closed
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2019-05-10
WV
Problem with additional add-on products or services
Payday loan, title loan, or personal loan: Installment loan
Complaint: Theres an account that has been open fraudulently in my name and my debit info was used I contacted them and even disputed this threw XXXX and nothing has changed.
This is not right by far I'm a victim of identity theft and XXXX XXXX is keeping my money and now this XXXX, when I contacted self lender they was very rude.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-25
Euclid, OH
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Personal line of credit
Complaint: this company after i decline service put XXXX XXXX dollars on my credit report, please help
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-08
Philadelphia, PA
Getting the loan
Payday loan, title loan, or personal loan: Installment loan
Complaint: I signed up for self lender today and thought i understood that each account only 12 months. However I read the confirmation email and it said 24 months. I called self lender and tried to explain that i misunderstood their website and wanted to subscribe to the 12 month plan, even though its higher monthly amount. I spoke with a XXXX, who unprofessionally shortened her name to XXXX when i asked to speak to a manager. XXXX told me that it was pretty much my fault and they don't refund the {$9.00} service fee.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-02
PA
Incorrect information on your report
Payday loan, title loan, or personal loan: Installment loan
Account status incorrect
Complaint: On XX/XX/17 I opened a self lender account- in my inquiry process they explained that I could cancel if I needed or wanted to, and that if I couldn't make a payment they would cancel the account for me prior to it damaging my credit. I canceled within a few days, and prior to the first payment. They never cancelled the account, and its showing a 90 day late on my credit report. I tried to negotiate with them, to open an account and do business if they would remove the previous, whatever it would take.
It's still there. The premise was they help to build your credit up, but they did nothing but damage mine.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-19
Brooklyn, NY
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: I have an issue with XXXX and XXXX reporting. XXXX bank deleted an account off my credit report but it still shows on both XXXX and XXXX. XXXX XXXX is reporting different information to all the bureaus. Which is against FCRA. XXXX is suppose to be investigating this information but it doesnt seem like they are. Also my FICO scores are 200 points less than XXXX and 100 points less than XXXX. Something on XXXX side isnt reporting correctly. XXXX has 15 inquiries on my credit report that was unauthorized. I have not seek any credit from no company. Why was one paid account deleted from XXXX but not the other two. Its making my credit look completely off. I need XXXX and XXXX explain why both FICO scores are so off from XXXX. If not corrected in a timely matter i would have to seek an attorney because this is causing me to lose my mortgage loan.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation
2019-03-13
Lk Buena Vis, FL
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: Im writing to you because I noticed that my credit report contains a closed account reported recently for my Selflender/ XXXX account. I want you to know that I understand, and have great respect for my financial obligations.
Unfortunately, at the time of the incident mentioned above, I had to cancel my subscription. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. In the near future, I am planning on applying for credit, and it has come to my attention that the closed account on my credit reports could hurt my ability to qualify.
I am humbly asking for you to remove this account. I would greatly appreciate it!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-10
Taft, OH
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: My loan terms was from XX/XX/XXXX-XX/XX/XXXX. When my account was paid off Im full the loan was reported as closed and dropped my credit score XXXX points
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-01
Colver, PA
Incorrect information on your report
Payday loan, title loan, or personal loan: Installment loan
Information belongs to someone else
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
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