Michael L.

I came across Self a few months ago and debated on the effectiveness of its business model. I decided it was a no harm no foul way to build some extra credit so I did their max payment and figured I'd collect in three years. I set up an automatic payment for 150 per month for 3 years.

After my first payment I found out I was charged more than the 150 that I thought I signed up for. I figured it was a one time payment to get things started. The next month I got charged more. When I called up I found out they were charging me more than I agreed because I set up an automatic payment. I've never heard of being charged a penalty for setting up an automatic payment, additionally I was under the impression that was the only way to set up the account. They said no you could have done it manually. I asked them to refund me the last fee and I'd set up the manual payment. They said no. Every time I tried to talk to them they started to talk over me. I asked to close the account but that took me 30 minutes just to get them to understand why I was closing the account. They could care less.

Do business with them if they want I have no idea if I'm going to get my money anytime soon. I'm already out nearly $80 but it's not worth a company nickel and diming its customers.