SoFi

I applied for a personal loan for an emergency need. I was denied. I am the creditor. Sofi is violating the Truth Lending Act Equal Credit Opportunity Act ( 15 U.S.C. 1691 False and inaccurate information to determine my qualification. 15 U.S. Code 1611- Criminal liability for willful and knowing violation It's unconstitutional to violate fiduciary duty. Fiduciary duty : Fiduciary duty is a legal obligation bestowed upon a person ( called a fiduciary ) who has been given the authority to act on behalf of another person or entity. A fiduciary relationship exists whenever one party explicitly or sometimes implicitly places trust and confidence in another and the other party accepts responsibility to act on their behalf. This obligation requires fiduciaries to act in the best interests of that person, and not for their own personal gain. Sofi is not acting in the best interest for me. I am the beneficiary and they are the trustee.

I want a copy of all my statements of my checking, savings and self-direct account sent my address on file! I need to review and cross verify information!

On XX/XX/year>, I filed a dispute with SoFi for {$4400.00} in unauthorized, fraudulent transactions resulting from an account takeover and hack. On XX/XX/year>, SoFi issued a final denial stating " no error occurred '' and closed the matter.SoFi previously alleged that I was actively freezing and unfreezing my card. This is entirely false. My digital banking credentials were completely compromised by an outside hacker who controlled the account settings and executed these fraudulent transactions.I have filed a formal police report regarding this cyber-theft. I have already provided a photo of this report to SoFi, and I am obtaining the certified courthouse physical copy with the case number this Friday. SoFi has failed to perform a proper forensic review of the login IP addresses, locations, and device signatures, which would prove that I was not the person accessing the app or authorizing these charges.

I am writing to formally request your assistance in resolving my recent complaint regarding my Bank account. I appreciate your willingness to help investigate this matter. My Bank name was Sofi Bank, I have Checking and Savings account on them. The money in my Sofi Bank account, that was a personal loan from my close friend. Her name is XXXX XXXX XXXX XXXX, I Barrow money on her Total {$250000.00} dollarsXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX dollars. My primary goal was to pay my debts and credit cards debts and bills. When I received the money. I wanted to invest some of that money, in XXXX. Me myself wants to invest in crypto. Because I see XXXX has drop a lot. I had experience and study how XXXX works. I wanted to buy and holding it. Because i know it will rise again soon and sold it to make profits, thats my plan. When i wire the money, to buy XXXX. Then thats my Sofi Bank account got restricted. I called them and spoke with them and explained to them.…

On XX/XX/year>, I submitted an electronic bill payment from my personal financial institution, XXXX XXXX XXXX Sofi credit card in the amount of {$60.00}. On XX/XX/year> I received an email from Sofi bank stating my account was past due and a payment of {$90.00} is now due. After reading the email I logged onto my Sofi credit card account on their website and initiated a payment of {$90.00}. I then called Sofi spoke to a customer service representative for assistance with researching the electronic payment sent from my financial institution for {$60.00} on XX/XX/year>. The representative stated that there was no payment received. My account was suspended and the late fee could not be adjusted until my account was in good standing. I also spoke with other representatives and account managers named XXXX XXXX who were unable to assist and did take ownership of my issue.…

Recently, I experienced an issue with my bank account following a wrongful termination settlement related to XXXX discrimination from my former employer. At the time, the account had a negative balance, so I transferred funds from my crypto account into my checking account while waiting for the settlement check to be deposited. That transfer was completed approximately a week and a half ago. The bank is now claiming that my account had no activity within the last XXXX days, which is inaccurate. In addition to the XXXX XXXX, the account was also actively receiving direct deposits from XXXX, even if the amount was small. My settlement check from XXXX is scheduled to be deposited tomorrow, yet the bank chose to close my account the day before while falsely claiming there had been no recent activity. As a result of their actions and misinformation, the deposit of a significant settlement payment has now been delayed.…

On XX/XX/XXXX, I attempted to withdraw {$300.00} from a XXXX XXXX ATM using my SoFi card. The ATM did not dispense any cash, but the amount was still deducted from my account. When I contacted the company, I was later told the issue was due to an ATM outage. Despite this, my funds have not been returned. Since then, I have made multiple attempts to escalate the issue and request updates. I was repeatedly told my case would be escalated, but I have received no meaningful follow-up, no timeline, and no resolution. Phone support has been unhelpful and the issue remains unresolved. This missing {$300.00} has caused serious financial hardship. I went through XXXX XXXX without being able to afford gifts, I have been without gas for nearly XXXX weeks, and I have missed job interview opportunities due to lack of transportation. Even though I explained this multiple times that the money was important to me due to my situation, I was not eligible to at least receive provisional credit.…

On XX/XX/XXXX XXXX charged me 2 times with an amount of XXXX $ and immediately called sofi bank about it and was even told that it happens a lot to their clients that it was a gamble site and I never gambled! in XX/XX/XXXX I was charged twice with an amount of XXXX $ and XXXX $ from XXXX and I never been to XXXX! never tried XXXX even once in my life! in XX/XX/XXXX I was charged XXXX $ from XXXX! and I never went to XXXX! and now XX/XX/XXXX they decided to deny my dispute! I mean, what would I do now?! I really need the money and this is so unfair to me! I did not authorized this transactions!

On XX/XX/year>, I deposited a mobile check for {$38000.00} with SoFi Bank. I was initially notified that {$10000.00} would be available on XX/XX/XXXX and the remaining funds on XX/XX/XXXX. I later received another notice delaying the full deposit until XX/XX/XXXX due to additional verification. I contacted customer service by phone on XX/XX/XXXX and was told that {$10000.00} would still be available today. However, when I later contacted support through chat, I was told the funds may be held an additional XXXX business days. I have received inconsistent and conflicting information regarding the hold and availability of my deposit and am requesting a clear written explanation and confirmation of the actual release timeline.

Due to a check hold in amount {$2500.00}, a credit card payment was returned in amount of {$620.00} from XXXX ( XXXX XXXX XXXX ) The check, {$2500.00}, is a service award for being a class rep for XXXX XXXX XXXX as is indicated on check. After check deposited, an email received showing funds available on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. A subsequent rep claimed another notice sent showing availability on XX/XX/XXXX, no such notice received. I believe this notice to be bogus. A prior CFPB complaint filed in re, unresolved. Since funds were not released as email indicated, the credit card payment returned with a fee in amount of {$39.00}. Previously, I attempted to resolve complaint with XXXX, executive office rep, no resolution made. Call ( s ) from executive office will not be accepted or returned due to past experience.

Between XXXX and XX/XX/year>, three transactions totaling {$760.00} were processed through XXXX against my SoFi checking account for a purchase that was never fulfilled. I received no product, no shipping confirmation, and no order confirmation from the merchant. On XX/XX/year>, I filed a dispute with SoFi regarding one of the transactions ( {$210.00} ). On XX/XX/year>, SoFi notified me their investigation was complete and provided documentation via a secure portal. On XX/XX/year>, SoFi issued a final determination stating no error occurred and no funds would be credited, closing the matter. I was not given any opportunity to submit supporting documentation or explain the nature of the dispute before SoFi reached their final determination. The denial was issued based solely on information SoFi received from XXXX. On XX/XX/year>, I contacted XXXX directly and obtained confirmation that the information they provided to SoFi was inaccurate.…

Account was closed due to a false fraudulent claim. Upon closure, they deducted an SSA check and returned just those funds. There is still an additional {$28000.00} from a loan repayment still there. There have been numerous voicemails left for the attending closure agent, whose name is XXXX XXXX, and he has failed to return any calls. I am trying to get an update, the XXXX wire was supposed to be returned to sender, but the sender has been given contradictory information from his bank. The fraud claim was for XXXX, and there was {$400.00} left from that amount in addition to the XXXX. Neither party has had any funds returned to them, and that's a lot of money that will go a long way. I am retired, on a fixed income, and have investments which I have been cashing in on, and putting them into other avenues which my son handles, as acting power of attorney for me.…

MASTER TIMELINE & CASE SUMMARY XXXX XXXX v. SoFi Finance LLC Account # XXXX / XXXX Phone : XXXX Date Prepared : XX/XX/XXXX CASE OVERVIEW Consumer : XXXX XXXXXXXX XXXX : SoFi Finance LLC, XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX Merchants in Dispute XXXX XXXXXXXX XXXX / XXXX XXXX / XXXX XXXX Limited Total Amount XXXX XXXX XXXX XXXX {$2600.00} Number of Disputed Transactions : Approximately XXXX Original Dispute Filed : XX/XX/XXXX CFPB Complaint : Filed being updated XX/XX/XXXX XXXX Complaint : Being filed XX/XX/XXXX Legal Action : Commencing XX/XX/XXXX ABOUT THE MERCHANTS XXXX XXXX is a sweepstakes casino platform operated by XXXX XXXX XXXX XXXX XXXX Limited is an XXXX entity based in XXXX XXXX Charges appear on bank statements under three descriptors : XXXX XXXX XXXX XXXX XXXX XXXX XXXXl Limited The entity does not appear to hold a recognized United States gaming license XXXX confirmed terminal location appearing on statements : XXXX XXXX, XXXX XXXX COMPLETE CHRONOLOGICAL TIMELINE…

I filed a police report and I did not in any way authorize these fraudulent transactions. SoFi declined the first dispute. But, in no way did they investigate. I was in the hospital for 3 months. And in no way did I authorize these transactions XXXX XXXX {$400.00} XXXX {$99.00} ( I do not XXXX ) XXXX {$590.00} XXXX {$180.00} ( I do not know what this is ) And ACCESS INMATE PACKAGE {$79.00}

CFPB Case Number XXXX 1. Consumer Information 1. Name. XXXX XXXX 2. Financial institution involved. SoFi Bank N.A., referred to as SoFi 2. Summary of Complaint 1. This complaint concerns a disputed stop payment request and inconsistent representations made by SoFi regarding whether the stop payment was properly processed 2. SoFi previously stated that a stop payment request could not be completed, however I was informed during a phone call by a SoFi representative that a stop payment action had been placed or initiated 3. The issue centers on conflicting information provided to me versus SoFis later position that the request could not be completed 3. Chronology of Events 1. On or around the date of the transaction in dispute, I contacted SoFi and requested a stop payment 2. During the call, a SoFi representative communicated that the stop payment was placed or would be handled 3. The transaction later proceeded in a manner inconsistent with that representation 4.…

I am filing a follow-up complaint against SoFi Invest regarding misleading conduct and what I believe to be retaliatory behavior after I attempted to exercise my rights as an account holder. Background : I previously filed a complaint regarding SoFi blocking access to my IRA funds citing a future closure fee I have not incurred. After being unable to withdraw directly, I initiated a transfer to XXXX XXXX as my only available option. When I decided to cancel that transfer, SoFi 's conduct became obstructive : XXXX. MISLEADING INFORMATION : XXXX agent told me there was only XXXX transfer request on file when I had initiated transfers for both my Traditional IRA and Roth IRA. This caused confusion and delayed the cancellation process. XXXX. EVASIVE CONDUCT : When connected to agent XXXX, he asked me what I wanted cancelled despite having full access to the prior chat history, forcing me to re-explain the situation multiple times across multiple agents. XXXX.…

I, XXXX XXXX, submit this unified statement regarding unauthorized transfers from my SoFi account, the theft of my funds through Chime, and SoFi Banks repeated failure to comply with its obligations under Regulation E ( 12 CFR 1005.11 ). The facts of my case demonstrate not only mishandling of my dispute, but a pattern of systemic noncompliance in SoFis disputeresolution process. -- - What Happened On XX/XX/year>, XXXX unauthorized transfers occurred involving my SoFi account : XXXX AM + {$33.00} ( unauthorized incoming transfer ) XXXX AM + {$520.00} ( unauthorized incoming transfer ) These transactions were not authorized by me. At the time they occurred, I had no access to my phone, SIM card, XXXX ID, or any of my financial accounts due to a compromise documented in my XXXX case file. I was locked out of all authentication methods and could not have initiated, approved, or verified these transfers.…

In XX/XX/year>, I opened a SoFi account and shortly thereafter began experiencing unauthorized activity involving my external XXXX bank account. On XX/XX/year>, an unauthorized online transfer in the amount of {$3000.00} was initiated from my XXXX account to a SoFi account identified as XXXX XXXX ( Transaction # XXXX ). This transfer attempt was unsuccessful. On XX/XX/year>, a second unauthorized online transfer in the amount of {$4800.00} was successfully completed from my XXXX account to a different SoFi account identified as XXXX XXXXXXXX ( Transaction # XXXX ). I immediately filed a fraud claim with XXXX regarding this transaction. Additionally, my credit card accounts were compromised during the same timeframe, raising concerns that my financial information may have been exposed or misused in connection with SoFi-linked accounts. I filed a police report with the XXXXXXXX XXXX XXXXt regarding these incidents ( Report XXXX. XXXX ).…

I applied for a debt consolidation loan through SoFi. Everything was fine in the application process until they told me to add my husband to my application I decline to add my husband and told them to decision my loan based on 1. I have been in financial service was for 23 years with 20 years with the same company 2. My income and household income and 3. The fact I have no mortgage ( my home is paid for ), my car is paid for and I do not have any outstanding installment credit. They immediately decline my loan the minute I said I would not add my husband. I feel this is gender discrimination. They didnt ask me to add a qualified co-signer. Just my husband a man. I so tired of gender discrimination. I would love to discuss my net income and prove I am lending worthy without a man co-signer.

Charges XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX - {$31.00} XXXX XXXXXXXX XXXX XXXX {$47.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX = {$330.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX - XXXX XXXXXXXX XXXX XXXXXXXX - XXXX The transactions listed above were not made by me, nor did I authorize anyone to use my card to make these purchases. I explained to the bank that both my wallet and phone were stolen from XXXX. The police were able to recover my phone from the parking lot, but my wallet containing my card was never recovered. I filed a police report regarding the theft and provided a copy of the report to SoFi when I opened the dispute case. After disputing the transactions twice, I was refunded for XXXX of them ; however, the remaining transactions were denied.

I am filing this complaint regarding two unauthorized or fraudulent XXXX transactions totaling {$220.00}, and my financial institution 's failure to protect my account from a fraudulent actor. The details of the transactions are as follows : Transaction 1 : XX/XX/year> Sent via XXXX to " XXXX XXXX '' Transaction 2 : XX/XX/year> Sent via XXXX to " XXXX XXXX '' Total Disputed Amount : {$220.00} The recipient, XXXX XXXX, claimed to be a professional sports bettor offering educational courses and sports betting insights. I never received the promised courses, services, or materials. When I realized the nature of the scam and noticed the transactions, I attempted to contact the recipient to recover my funds. The recipient subsequently blocked my phone number and all social media accounts, and formally declined my XXXX request for a refund.…

I discovered approximately {$2800.00} in disputed XXXX transactions on my SoFi account and reported the activity promptly after becoming aware of it. I disputed the transactions as unauthorized and requested a fraud investigation and further explanation regarding how the transactions were determined to be authorized. Over the past two weeks, I have contacted SoFi approximately 6-7 times by phone and also attempted to communicate through email/messages regarding the claim. During those communications, I repeatedly requested : a detailed explanation of the basis for the denial, clarification regarding what evidence SoFi relied upon, clarification regarding what additional information SoFi expected me to provide, and information regarding escalation or appeal options. The only substantive response I received from SoFi was that the claim was denied because my login history and geolocation appeared consistent with prior account usage.…

I am submitting this complaint regarding the reporting of negative information on my credit reports associated with my SoFi accounts. I previously contacted SoFi directly and requested a goodwill review and adjustment of the reporting related to these accounts, including charged-off balances and late payment history. I explained my circumstances and my efforts to improve my financial standing and responsibly address my obligations. I recently graduated on XX/XX/year>, and am actively working toward rebuilding my credit and establishing financial stability as I transition into my professional career. Despite my efforts to communicate in good faith, the negative reporting remains on my credit reports and continues to significantly impact my credit profile and future financial opportunities.…

I am submitting this complaint regarding SoFis handling of ongoing merchant billing activity and account protection procedures during an active dispute investigation involving the merchant XXXX XXXX While my original dispute investigation remained open, I experienced multiple additional attempted charges from the same merchant in rapid succession, including attempted charges for varying amounts. These attempts occurred while I was actively speaking with SoFi representatives regarding the unresolved dispute. When I asked why the merchant was still able to submit additional charges during an active investigation, I was informed by a SoFi representative that the charges were still permitted because I didnt tell SoFi to stop them.…

I am asking for a manual, compassionate goodwill review of the negative credit reporting identified in this package. I am not submitting this as a settlement demand or as an attempt to avoid responsibility. I am asking the company to look at the human circumstances, the attached documentation, and my good-faith effort to stabilize after a period of repeated job loss, medical crisis, and identity-theft disruption. Account ( s ) covered : XXXX ; XXXX ; XXXX XXXX XXXX and masked second loan Bureau coverage : XXXX, XXXX, and XXXX Requested goodwill action : reconsider hardship relief and remove all 30/60-day adverse reporting on both loans ; delete adverse remarks if needed for clean reporting. XXXX shows XXXX with 4 late payments, {$1200.00} past due, and XXXX with 1 late payment. XXXX shows SoFi/Sof Bank account-name variation and dispute-resolved comments across bureaus.…