Credit reporting
Self Financial: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 380
- Closed with money back
- 1%
- 2023 to 2025
- 92 to 173
Servicemembers filed 4.9% of Self Financial's 7,761 complaints in the window, against 2.5% across the directory. The complaints are mostly about credit reporting or other personal consumer reports, and the single most common issue is "Incorrect information on your report". 1% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 92 in 2023 to 173 in 2025.
What the complaints are about
By product
| Credit reporting or other personal consumer reports | 207 |
| Credit reporting, credit repair services, or other personal consumer reports | 44 |
| Debt collection | 44 |
| Credit card | 35 |
| Credit card or prepaid card | 14 |
By issue
| Incorrect information on your report | 167 |
| Improper use of your report | 56 |
| Problem with a company's investigation into an existing problem | 31 |
| Attempts to collect debt not owed | 18 |
| False statements or representation | 12 |
| 2023: 92 | 2024: 115 | 2025: 173 |
Which accounts, specifically
| Credit reporting | 247 |
| General-purpose credit card or charge card | 52 |
| I do not know | 27 |
| Credit repair services | 15 |
| Credit card debt | 15 |
What went wrong, specifically
| Account information incorrect | 72 |
| Reporting company used your report improperly | 54 |
| Information belongs to someone else | 47 |
| Account status incorrect | 44 |
| Their investigation did not fix an error on your report | 28 |
Busiest month: May 2025, with 23 servicemember complaints. Most were submitted by web.
Most complaints came from TX (46), GA (40), FL (38) , then CA, NC, NY.
How Self Financial answered
| Closed with explanation | 374 | 98% |
| Closed with non-monetary relief | 4 | 1% |
| Closed with monetary relief | 2 | 1% |
Self Financial responded within the CFPB's 15-day window on 99% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Credit reporting or other personal consumer reports; Improper use of your report. KY, 2024-09-01. Outcome: Closed with explanation. Complaint 9983409
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Credit card; Closing your account. GA, 2024-08-27. Outcome: Closed with explanation. Complaint 9933976
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Credit reporting or other personal consumer reports; Incorrect information on your report. FL, 2024-08-27. Outcome: Closed with explanation. Complaint 9914200
If this is your problem at Self Financial
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with credit reporting peers
- Cbc Companies 439 servicemember complaints; 0% with money back
- PenFed 318 servicemember complaints; 10% with money back
- Military Star card (AAFES) 545 servicemember complaints; 0% with money back
- Upgrade 257 servicemember complaints; 5% with money back
- Fidelity National Information Services, Inc. (Fnis) 574 servicemember complaints; 0% with money back
Next in the directory by volume: EdFinancial Services, Bridgecrest Acceptance, Exeter Finance.
Frequently asked questions
How many complaints did servicemembers file against Self Financial?
380 complaints tagged servicemember were received by the CFPB about Self Financial Inc. between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 92 in 2023 to 173 in 2025.
What do servicemembers complain about most at Self Financial?
Credit reporting or other personal consumer reports accounts for 207 of the 380 complaints, and the most common issue is "Incorrect information on your report" (167). Next: "Improper use of your report" (56).
Does Self Financial give money back when a servicemember complains?
1% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 4 closed with non-monetary relief and 374 closed with an explanation only. Self Financial answered 99% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.