ComplaintsforSoFi

• Initial Complaint

  09/13/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I opened a sofi account and after it was opened, set up a direct deposit with their customer service representative. Payday has come and gone and they have placed a "restriction" on my account that allows no money to come in or go out. We'll escalate this and we'll send you an email if we lift the restriction. No concern about where my paycheck went

  Business response

  09/19/2024

  Please see the attached document

• Initial Complaint

  09/12/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  They hacking and making falsifying calls and investigations calling asking me to update my ids, and when I called the number on the app through chatting with agent on my iPhone 15pro 09/12/2024. They restricted my account around 1:45pm-2:10pm today when I just purchased central time Kansas city ****** at the gas station less than 7 dollars. I got a fraud sofi bank representative call

  Business response

  09/20/2024

  Please reference the attached letter. 

• Initial Complaint

  09/11/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Hi SOFI, I referred a friend by the name of ***** *******, however due to some errors in sofi's technology and system. the referral bonus didn't get paid to him $25 or the $75 paid to me. Sofi's system should not allow to create a profile and then not open the account due to errors on your end. I'm asking as a courtesy to please make this right. Thank you

  Business response

  09/19/2024

  Please reference the attached letter. 

• Initial Complaint

  09/11/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I had an account with SoFi once before, canceled, and then recently opened up another, but under the pretense that upon doing this I would be eligible for the director deposit bonus, even this past Tuesday a client confirmed to me that I would get my bonus on 9/10, and when I got in touch with someone today, they said that I wasn't. I feel that something should be resolved given I was told to open a checking account under pretenses from an employee.

  Business response

  09/19/2024

  Please reference the attached letter.

• Initial Complaint

  09/11/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  On 08/28-29/24 a email came to me from SoFi bank that a person name that is from another country has withdraw $*** and $500 Which I was not aware of until my email showed that my transactions was successful...so I had notified SOFI bank about this and they made a dispute.. was supposed to do their investigation and to what they investigated the issue was not resolved they had emailed me today 09/11/24 saying I'm not going to get credited for the #*** and $500 which i think is BS because for #1 like I've mentioned i have absolutely no idea who this person or people that with draw money from my account is...#2 the person name is from another country... I'm very upset for the decision SOFI made on top of that while SOFI BANKING was doing their investigation they withheld me from using my own card to pay things I needed to pay or taken care of until yesterday they had open my the restrictions on my account it was about two weeks where I wasn't able to use my own money...On top of all this in the past I noticed other transactions was being made but was in little amounts so I notified them and those times they were able to refund me the amount..but this time around they are telling me they aren't going to refund me the $*** and $500 back...it's very upsetting the money that was taking out I was saving for a place to rent ..and now I can't even use that until that two amounts are paid back... PLEASE HELP ME TO RESOLVE THIS??THANKS

  Business response

  09/20/2024

  Please reference the attached letter. 

• Initial Complaint

  09/10/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I had an external checking account with $20000 that all the sudden disappeared I then found that my labtop was hacked and when I confronted SOFI with where my Money went, there was no response. I need this to be investigated, I will contact ic3 and *** again there is no way that I could be missing $20000 that was in a checking account, requesting these funds be returned. or tracked.

  Business response

  09/20/2024

  Please reference the attached letter. 

• Initial Complaint

  09/10/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  In the first week of September 2024, I reached out to SoFi for information on their current refinance rates. I was connected to a loan officer named **** ******* who asked a few questions and asked to pull my credit to be able to provide me accurate rates. She promised it would be a soft credit pull that would not affect my credit score. At the end of the conversation, I told the loan officer that I would put off refinancing for two months and would not move forward with a loan at this time. She confirmed that she'd reconnect in two months. Later that day, I began to receive phone calls from various mortgage companies who claimed they got my information from a hard credit pull I requested when researching mortgage options. The next day, I reached out to SoFi about the hard credit pull and the selling of my information. **** claimed that SoFi didn't sell my data. I continued to receive calls from mortgage lenders, all stating the same thing - they got my information from a credit pull that I requested. Later that week, I began to receive prompts to finish a loan application. When I reached out to SoFi to address the issues of the hard credit pull and the loan application that were made without my approval or consent, they did not take accountability for their actions and lied about the loan application existing. Please note that an application was started by them because an application triggers the portal prompts. I also received a hard copy of the loan application via *****. And lastly, they did nothing to help me resolve the issues, nor did they offer concessions for their behavior. Now, my credit has been negatively impacted by the hard pull and I'm being harassed by mortgage lenders.

  Business response

  09/20/2024

  Please reference the attachment. 

  Customer response

  09/24/2024

   
  Complaint: 22268763
  
  I am rejecting this response because:

  I received their letter in the mail today and it was a letter to submit missing information to complete the credit application that I never authorized. The response has been exceptionally bad from this company and there appears to be absolutely no remorse or accountability on their end. They have damaged my credit and created a situation that will impact my score for at least two years AND they are refusing to accept that I did not approve the loan/credit application in any way, shape or form. The fact that they are still trying to push an application that I did not approve and that they claim that they did not start against my will is disgusting. I'm extremely upset and will consider legal action if they do not address their actions; do not stop the application that I did not approve; and do not contact the credit bureaus to admit their mistake in order to fix my credit score and remove their unapproved hard credit pull.  
  
  Sincerely,
  
  ****** ********

  Business response

  09/30/2024

  Please reference the attachment. 

• Initial Complaint

  09/10/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Went to ATM today 9/10/24. $125 was taken from my account but the money wasn't dispenses through the ATM. Not sure if there was an error or is it ran out of money or what. I called the number on the back of the ATM which was at a gas station. I was told I needed to file a dispute with Sofi. I contacted so far thinking I would get my money returned and they are telling me 10 business days at the minimum before I even hear back from them and that's not even addressing me getting my money back. I also called the bank because the ATM was at a gas station and they told me that if it wasn't account through them that I would have the money back within one business days and that you guys should be crediting this to my account. I do not understand why I do not have my money when I contacted you guys to let you know. When I went to the ATM I inserted my card, it asked me if I wanted a receipt which I always say no. Now that will change in the future. I requested the amount but it's not there but you guys removed it from my account. I spoke to chat about this through the sofi app and seeing that I really didn't get any detailed information besides hearing that I would get an email within 10 business days and I wasn't given any more information,I went ahead and looked online and it seems that a lot of people are saying that Sofi is not good with these types of things.i have never had an issue with my account and I need this to be returned right away. I explained that to the representative that I was taking that money out for a bill. So now what? After speaking to you guys through chat and this dispute being submitted I called the ATM number that was on the ATM which belongs to a bank and they gave me a little bit more information as to how stuff like this works and I'm surprised that you guys did not inform me of details. Again,they said if my account were through them they would have the money returned within one business day.Please return this to my balance this is upsetting

  Business response

  09/19/2024

  Please see attached document

• Initial Complaint

  09/10/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  This is the most fraudulent company I have ever came across in my life. After waiting 6 months and providing 100s of pages of evidence for disputes. They've decided to allow illegal activity to occur with my account and debt cards and merchants I have requested stop payments on to continue accessing my funds. I'm out thousands of dollars because I thought this was a good trust worthy bank and not a money laundering scheme. They don't provide you with the “evidence” that brought them to this conclusionon and wont allow me to close my account.

  Business response

  09/20/2024

  Please see the attached documents.
  
  

  Customer response

  09/20/2024

  
  Complaint: ********
  
  I am rejecting this response because a copy of the documentation used by the merchant was requested on the same day this dispute was denied as well as a request to close my account as Sofi is fraudulently using my account and funds in my account. Additionally
  According to the ****, banks are required to investigate debit card disputes and make a determination within 10 business days of receiving a claim. If the bank can't complete the investigation within 10 days, it may extend the investigation to 45 days if it provides a provisional credit for the disputed amount. Sofi bank is illegally handling my bank funds and account in violation of numerous federal laws leaving me no choice but to contact the attorney general 
  Sincerely,
  
  Rebecca O********

  Business response

  09/25/2024

  Please reference the attached letter.

• Initial Complaint

  09/10/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  On 8/17 my card was charged by a company called **** for service that i canceled before they charged my card $104.97. I file a dispute with the bank SOFI as soon as the charge was no longer in pending status. I tried to reach the company **** but there was no number and i tried to chat and never got a live agent. I requested a call but never got a call back so i reached out to my bank. I have reached out to my bank several times through email as they mentioned to do and all i get is generic replies they never asked me for any proof which i do have showing the company emailed me saying the subscription was canceled and i haven't heard back from anyone about it. I sent chatted with people and all they say is that they are waiting to hear back from the company to properly finish the dispute. They say it can take up to 90 days to complete it but when i filed a dispute before for smaller amount it was completed within a week. This has put me in a financial hardship because i had things to pay and now the bank doesn't want to help and not wanting to use the information i sent as proof to finish this claim.

  Customer response

  09/11/2024

  I am writing because today I got an email from SOFI saying they reached a decision and based on that they denied my claim even after telling me every time i requested an update that they are waiting on the merchant to respond. I feel that they denied it because I complained and stated I would file a complaint with BBB. I asked for the documents the email stated i could get to show why they denied it and I was told that they were not available and I would have to wait 24 hours for them. I provided the email from the company stating they canceled my subscription with the date and time and they overlooked my proof and still denied the claim. Will you be able to add this to my complaint also please.

  Business response

  09/20/2024

  Please reference the attached letter.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩