Social Finance, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
05/17/2018	Yes	Student loan Private student loan	Struggling to repay your loan Can't get other flexible options for repaying your loan	PA 19143	Web	Older American
Monday XX/XX/XXXX at XXXX XXXX I answered my cell phone and talked with a person who identified herself as an employee of XXXX XXXX XXXX XXXX. ( every other day of the week, and after XXXX or XXXX XXXX on Mondays, I usually can not answer my phone personally because I am working. ) The XXXX employee informed me they filed a suit in court on behalf of SOFI, my private student loan company, regarding a {$37000.00} student loan. I asked to return their call within the hour. I wanted to get to a better location so that I could discuss my situation and hear what they had to say. I told the XXXX person I was so thankful to hear from them because I had tried repeatedly to resolve my SOFI student loan problem in XX/XX/XXXX and XX/XX/XXXX. I explained I had never heard from SOFI since my conversation with the SOFI XXXX XXXX XXXX XXXX loan servicing manager XXXX XXXX on XX/XX/XXXX. In my phone conversation with XXXX on XX/XX/XXXX, XXXX XXXX had said he thought he could help me and that perhaps there had been a miscommunication between XXXX and SOFI. He said he would reach out to SOFI 's servicing partners in reference to my student Loan 1 disbursed XX/XX/XXXX and my student Loan 3 disbursed XX/XX/XXXX. I told the XXXX person I had been waiting to hear back from XXXX XXXX or someone from SOFI. When I called back, I was put on hold, transferred to the wrong department and misunderstood repeatedly, but was finally able to connect with someone at XXXX who could talk with me regarding my SOFI loan and the suit filed against me. When I asked her to explain what was happening, I was told I needed to pay {$37000.00} immediately or the suit would go to " judgement. '' When told her I had repeatedly asked SOFI to resolve the situation and even tried several times to contact XXXX in XX/XX/XXXX she gave no explanation as to why it was so hard for me to contact them. When I asked why I had no other phone calls from XXXX, no contact from them even though I had left phone messages in XX/XX/XXXX, she explained that their privacy policy does not allow them to leave a message on a voicemail which does not have a greeting which specifically identifies the recipient of the message. I explained that I did get a letter recently but it referenced SOFI filing suit and I was trying to get in touch with SOFI to find out what was going on. When I explained that I could not afford this kind of a payment having no assets ( I am in the process of applying to XXXX XXXX and incurred the loans in a XX/XX/XXXX at University of XXXX that I completed in XXXX ) she then suggested that I could pay within 24 months and then later she suggested 36 months. I replied that I was very interested in repaying my loan, as I always have been, but given my financial situation, the most I could possibly afford at this time was approximately {$250.00} a month. She said this would not be acceptable but to take another look at my finances and call her back. When I told her that I had been trying to resolve this situation with SOFI since XX/XX/XXXX and that I had repeatedly communicated with SOFI directly and as well as XXXX, the SOFI loan servicer, she was not interested in helping me resolve the situation with SOFI. I have experienced this same intransigent attitude with XXXX and SOFI over the past several years, especially in regards to these two loans. SOFI has chosen to interpret the clause " deferment terms at the discretion of the lender '' in these two loan agreements in a very narrow way. " Deferment terms at the discretion of the lender '' are interpreted as 12 months total of deferment options. This 12 month limitation is not exactly stated in my loan agreement. I discovered this limitation on forbearance options in XX/XX/XXXX. Until this time, SOFI was very gracious as I worked with their career and job development department to complete the necessary requirements to regain my XXXX license and seek a better paying job than my XXXX position. As long as I kept my career coaching appointments and did my homework assignments, my loans were kept in forbearance. I greatly appreciated this novel approach to a student loan company and student relationship. On XX/XX/XXXX I submitted a General Forbearance Request for Loan 1 and 3 and upon calling on XX/XX/XXXX was told there would be no more forbearance on Loan 1 and that Loan 3 was in Economic Deferment until XX/XX/XXXX. This was confusing and upsetting. But that same day, my XXXX year old mother fell and XXXX XXXX XXXX. The emergency room physician at the small hospital where she was initially treated told us there was no treatment for her and that she would XXXX XXXX XXXX of her XXXX. Over the next week we debated as a family to pursue XXXX and decided to go ahead with XXXX XXXX XXXX in spite of the risk. The day of her XXXX I spoke with a XXXX representative who called about my overdue loan from the hospital hallway outside of her room. I was her XXXX XXXX XXXX through the rest of the summer and did not return home until late XX/XX/XXXX. XX/XX/XXXX I submitted a General Forbearance Request for all three loans with a letter and additional supporting documentation expressing my desire and commitment to repay my loans. I also explained that my primary employment was still as a XXXX and XXXX. However, I had regained my XXXX XXXX license and increased my XXXX XXXX employment. XX/XX/XXXX, in a telephone call with XXXXXXX at XXXX, regarding the status of my forbearance request, I was told that my forms were uploaded on XX/XX/XXXX and approved the day before for a suspension of payments which would begin XX/XX/XXXX for 3 months, until XXXX XXXX. He advised me to request a refinance of my loans under a 20 year option and explained that I would need to contact SOFI directly at XXXX. XX/XX/XXXX I discovered Loan 1 and 3 were 7 days past due. Calling XXXX, I talked with XXXX who told me that Loan 1 and 3 had only 12 months of forbearance-according to how SOFI interpreted my loan agreement, unlike my third student loan with SOFI- Loan 2 disbursed XX/XX/XXXX, which has three years worth of forbearance options. He suggested I contact SOFI and request refinancing. I called SOFI and talked with XXXX who helped me to submit my request for refinancing. My request was denied, my loans were not eligible for this kind of option. At this time, I had gained enough work to be able to make a monthly payment and somehow avoided going into default status. XX/XX/XXXX I submitted a General Forbearance Request with a letter and additional documentation explaining that I was working hard to increase my employment through XXXX XXXX but had only gained temporary employment. XX/XX/XXXX I submitted a General Forbearance Request online specifically for the period XX/XX/XXXX through XX/XX/XXXX with a letter of explanation and proof of income. This was granted. XX/XX/XXXX, I submitted a General Forbearance Request with a letter explaining that the temporary work was unstable but that I had been hired in a full time position and needed a little more time to stabilize financially and move through the probationary period. I did not include additional documentation with this request because I had been told earlier by a XXXX representative that it was not needed. This request was denied. No explanation was included with the denial letter and I assumed XXXX/SOFI had changed their minds and decided to stick to their original insistence that only 12 months of forbearance were available for Loan 1 and 3. XX/XX/XXXX, I spoke with XXXX regarding my denial and learned that a {$440.00} payment was due on XX/XX/XXXX, XXXX for Loan 3 and a {$600.00} payment was due on XX/XX/XXXX for Loan 1. At this time my car broke down unexpectedly on the XXXX outside of XXXX resulting in a {$500.00} towing bill and {$3000.00} repair bill. I was able to pay the towing but needed to borrow from friends to mange to pay the repair bill. By the end of XX/XX/XXXX, I saved enough to make a loan payment. I called XXXX XX/XX/XXXX to make a payment of {$500.00} and was told I only owed {$120.00}. Astonished I asked why and was given the details regarding only Loan 2. Asking regarding Loan 1 and 3, the XXXX person told me no such loans existed and suggested I was mistaken. She refused to pursue the matter with her supervisor. I could not reach anyone at SOFI who could help me. XX/XX/XXXX I sent a letter to XXXX imploring them to work with me regarding loan 1 and 3 and sending more documentation regarding my monthly bills and employment. XX/XX/XXXX I talked with XXXX at XXXX who located the loans in their system. He said I needed to wait a couple days to find out what was going on. He also looked at my XX/XX/XXXX General Forbearance Request and told me that it was never forwarded to SOFI because supporting documentation was not included. He encouraged me to file again and contact SOFI directly. I could not get through to anyone at SOFI regarding my situation so I called XXXX and XXXX connected me directly to SOFI and I was able to talk with XXXX. XXXX was very encouraging! He thought there was a good possibility that SOFI would make a way for me to pay on Loan 1 and Loan 3. He assured me that I would receive a call from SOFI. I did not. XX/XX/XXXX, I called SOFI and talked with XXXX. XXXX told me that one loan was in transition to XXXX, a collection litigation firm at XXXX XXXX and someone at SOFI would ask them to get in contact with me. She was not sure about the other loan, it was not showing up in her system. She talked about getting the two loans out of default status through SOFI talking with loan servicing. XXXX did not call me. I also talked with XXXX at SOFI that day who told me that XXXX had discharged the loans not SOFI and that the Forbearance was denied because of a lack of documentation-a technical detail. She told me the loans were " pushed '' into collection with XXXX and that I needed to contact them. Calling XXXX that evening, I spoke to XXXX regarding the nature of the missing documentation. He said, contrary to what I had been told up to that point in time by various XXXX representatives over the last year, that what XXXX was looking for in documentation was not common house bills but a bill change like a large medical bill or a reduction in work hours. He asked if I had any unexpected expenses and I remembered my car breakdown and the towing and repair bill. He encouraged me to resubmit a new General Forbearance Request to XXXX documenting the car expenses and requesting they back date it to XX/XX/XXXX. I submitted a new General Forbearance Request with a letter and documentation that day, XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX at SOFI. He told me that SOFI let XXXX know I want to pay the loans and get back on track. Calling XXXX to confirm they had received this information, I spoke to a XXXX representative who reviewed my General Forbearance Request regarding Loans 1 and 3 sent XX/XX/XXXX and the communication from SOFI. This person told me SOFI was not referring to loans 1 and 3 but to loan 2. This did not make sense because Loan 2 was in good standing at this time and still is and did not need to get back on track! I asked to speak with the supervisor. The XXXX supervisor told me there was no information in my file about reversing loans 1 and 3 out of default. She said that in order for XXXX to take my student loans 1 and 3 out of default status SOFI must direct them to do so. I then called SOFI again and told them what happened with the XXXX call. I was told that the loan servicing department at SOFI could make that decision, but I needed to call back and ask to be connected directly to the loan serving department. I did call back repeatedly and was told each time that the loan servicing department was not available. On XX/XX/XXXX I called SOFI again. I was told that my General Forbearance Request was " in progress. '' I asked to be connected to the servicing department. This time I was connected to XXXX at the SOFI servicing department who said I had no loans with SOFI! Calling XXXX back, I talked with XXXX who said that Loan 1 and 3 were charged off but that they could be brought out of default status if notification was received from the lender. XXXX suggested a conference call with SOFI, XXXX and myself. During this conference call XXXX at XXXX suggested XXXX at SOFI talk with her supervisor who then confirmed I did have previous loans with SOFI : loan 1 and 3. However, this supervisor said I needed to talk to an upper level supervisor at SOFI and then have that person reach out to a SOFI person at XXXX. I was then connected to XXXX in XXXX XXXX XXXX, an upper level manager in the loan servicing department at SOFI. This brings me back to the beginning of my story with the kind words spoken by this manager and the assurances given to me that he would reach out to the servicing partners to find out more information and email me by the next day XX/XX/XXXX. As I told the XXXX person, I have heard nothing from XXXX at SOFI, even though I have tried to reach him through SOFI, until the letter I received and the phone conversation with the XXXX representative. This has been a very long explanation. I hoped to give you an idea of how hard I have tried to communicate with XXXX and SOFI in the midst of family responsibilities and building my employment hours. I believe XXXX, SOFI and XXXX have colluded to deny me a timely humane resolution to this problem and would greatly appreciate your help in resolving this problem.
06/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 191XX	Web
My loan has been grossly and intentionally mishandled by agents of both SoFi and XXXX, which I aggregate for purposes of this report. The two institutions have colluded with each other to coerce me into making payments on my loan which should be in deferment. I have to date spent countless hours speaking with agents at both institutions as well as administrative and executive officers at my university in an attempt to solve a problem that SoFi-XXXX has created regarding the status of my loan. I have been very polite and cooperative for several months. However, it has become clear to me that SoFi-XXXX has intentionally established and implemented policies in order to abuse its power as a lender, harass me, inflict emotional distress on me, and coerce me into making payments which I am not obligated to make pursuant to my loan agreement. SoFi-XXXX has fraudulently recorded my loan as delinquent internally when it is in fact in good standing since I am a XXXX XXXX and I have furnished SoFi-XXXX with countless documents to that effect in a timely manner and when requested. In addition, SoFi-XXXX has fraudulently reported my account as delinquent to XXXX for the current balance of {$14000.00}, and I continue to be subjected to harassment by XXXX representatives for payments I am not legally obligated to make. I have set forth the details of SoFi-XXXX fraudulent, abusive and harassing conduct below. Before this problem, my account with SoFi-XXXX was at all times in good standing and I have always made payments on time. In XX/XX/XXXX, I returned to school to begin a XXXX. program. I therefore contacted SoFi-XXXX well in advance of this date to arrange for an in-school deferment. SoFi-XXXX had required that its deferment requests be signed and stamped by the university registrar. The first form I submitted on XX/XX/XXXX was denied on the basis that my program would not begin until XX/XX/XXXX of that year. On XX/XX/XXXX, therefore, I submitted a new form for in-school deferment, which was accepted. The loan was properly put into deferment. SoFi-XXXX, as I was informed, has a policy that deferments are to be processed in three-month intervals, with a new form being submitted each time. Although this policy is not in my loan agreement, I understand that policies are usually established in order to foster efficient administration. So I complied with the policy politely, despite the fact that the process is terribly inconvenient because it requires quite a bit of processing time on both ends resulting from SoFi-XXXX unreasonably demanding requirements. The next form, which I submitted on XX/XX/XXXX, was also accepted. However, the form I submitted on XX/XX/XXXX was denied. It is at this point that the pattern of abuse and coercion by SoFi-XXXX begins. The reason given for this first denial was that the form did not indicate that I was enrolled in a graduate program. This is an entirely unreasonable grounds for a rejection of this form. To begin with, SoFi-XXXX has information in my file indicating that I have already obtained an XXXX degree, an XXXX degree, and a XXXX degree. Moreover, the first two forms for the Fall semester, which indicated I was enrolled in a XXXX program, were accepted and on file. A student can not be downgraded from a XXXX candidate to an XXXX candidate at the same university. And in any case, even if this were possible, it would make no sense for me to switch to an XXXX program since I already held an XXXX and several advanced degrees, which was well known to SoFi and XXXX. In any case, as the registrar of my university explained to me, it filled out the form correctly. The form asks for the program of study, which is essentially the discipline in which the candidate is studying. It does not ask for the degree program, which is why the registrar did not include this information. Nonetheless, I returned to the registrar, had them indicate XXXX on the form, and resubmitted it. The registrar sent it in directly, and it seems that SoFi-XXXX ignored this form. I then submitted it myself on XX/XX/XXXX. This second form was then rejected on the ground that it was the same form whereas a new form must be submitted. Again, this was simply a delay tactic by SoFi-XXXX. There is absolutely no difference in the forms and no reason why a brand new one should be submitted other than to delay the process. Such abusive delay tactics became clear when SoFi-XXXX then shifted my account into repayment even though it was clear to all parties that I was still a XXXX XXXX and the forms I was submitting were being rejected on purely administrative and unreasonable grounds. Since I had been on an automatic payment program in order to keep the interest rate down, SoFi-XXXX deducted my bank account for the amount they fraudulently recorded as due for the month of XX/XX/XXXX. I was told by a XXXX representative that XXXX would not refund such payment even if the deferment were appropriately reinstated for that period. This constitutes theft, and I have therefore been forced by SoFi-XXXX to take my account off automatic repayment to protect myself from similar theft by them in the future, which increases the interest rate to their benefit. I then diligently submitted a third form for the same period. XXXX did not find any administrative insufficiencies in this form, but rejected it anyway for timeliness : they delayed so long reviewing and unreasonably rejecting the previous forms and the most recent one that when they finally made a decision on the most recent one, the academic semester had ended. XXXX claimed that the form verified me as a student only though XX/XX/XXXX ( the end of the academic semester ), and even though that period obviously covered the month of XX/XX/XXXX, they rejected it outright. In the first place, as will be further explained below, the form does not verify me as a student only though the end of the semester. What it does is verify that I am enrolled in courses that end in the Spring. In order to verify my continued enrollment, I submitted another form on XX/XX/XXXX indicating my course enrollment for the Fall semester. This form was rejected on the basis that its period was too far in the future. After explaining all of this to another representative at XXXX, I was told that the two forms were reviewed together by SoFi ( finally ) and rejected yet again, this time on the different yet similarly unreasonable basis that the form covering the Spring semester ( ending XX/XX/XXXX ) would, according to SoFi-XXXX arbitrary three-month period policy, only cover the months of XX/XX/XXXX and XX/XX/XXXX and because it covered only two months and not three or more, it was invalid. After countless hours speaking with representatives from both institutions, I learned that XXXX ( whose agents had claimed SoFi had been responsible for all the decisions ) had forwarded only the first form to SoFi. XXXX representatives claimed SoFi had decision-making power over these forms, while SoFi claimed XXXX had decision-making power over the standing and reporting of my account. Over the course of these months, I had several long conversations with representatives, each promising me that the issue would be addressed and that I would be contacted once it had been resolved. Meanwhile, XXXX representatives continued to threaten me with reporting my account as delinquent to credit bureaus and continued to harass me every day on the telephone. It is clear that both institutions were colluding to coerce me into making payments that I am clearly not required to make under the loan agreement governing my loan. The essential facts here are that I have been at all relevant times, and continue to be, a XXXX XXXX at a degree-granting program for a XXXX degree, and I have submitted several times documents attesting to this status, all in a timely and cooperative manner despite the unreasonable demands imposed upon me by SoFi-XXXX. SoFi-XXXX has rejected all these documents, each on distinct and unreasonable grounds and after unreasonable delays, citing so-called policies that are nowhere to be found in my loan agreement. As I have explained to several agents at SoFi-XXXX, SoFi-XXXX accepts forms only when signed by the university registrar. As I have explained to SoFi-XXXX several times, the university registrar can verify only that I am registered for classes for any given semester. My XXXX program operates on the semester system. Thus, there is a Fall semester and a Spring semester. There is no Summer semester. However, one does not cease being a student during the periods in which classes are not held. There is no summer term in my XXXX program and I am therefore not enrolled in classes over the summer, but I am nonetheless a XXXX student. By the same token, one does not cease being a student on weekends or national holidays when classes are not held. I have submitted evidence of continued enrollment for the Fall XX/XX/XXXX term as further proof of my status and have also offered several times to have the dean of the college send in a letter attesting to my status if need be, evidence which would cover the summer months during classes are not held. However, SoFi-XXXX has declined to accept such evidence and has indicated that it accepts only documents signed by the university registrar. SoFi-XXXX has thus established and implemented a so-called policy that creates requirements that can not possibly be met. This is bad faith conduct, unreasonable, and not valid grounds for denying an in-school deferment under the loan agreement. Pursuant to the terms of my loan agreement, which governs the rights and obligations of me and SoFi, I have the right to defer my loan if I am a XXXX XXXX. No specific policies are incorporated into that agreement, and at any rate, any policies not disclosed to me at the time I signed the loan agreement which are established and implemented by Sofi-XXXX in such a way as to vitiate my rights under that agreement are simply unenforceable. SoFi-XXXX might require submission of forms for deferment every three months, but they can not deny deferment simply because those arbitrary three-month periods do not coincide with the academic calendar of any given university. Likewise, Sofi-XXXX may require that the student status verifications be prepared by the university registrar, but they can not deny deferment on the ground that the universitys semesters do not coincide with the arbitrary three-mon period established by SoFi or XXXX when the registrar can only attest to course enrollment by semester. Section I.2 ( a ) of the loan agreement gives me the right to defer the loan if I return to school as a XXXX XXXX pursuing a graduate degree and submit evidence to that effect. They say nothing about being enrolled for courses, and the reason they dont is that being a student is not dependent on being enrolled in courses. The more general provision in Section I.1 stating that the decision to grant a request for forbearance is at the sole discretion of the lender arguably does not apply even by its terms because we are dealing with a deferment, not a forbearance. But in any case, even if it were intended to apply to deferment, it would not be applicable because the much more detailed Section 2 delineates specific requirements for in-school deferment, and specific provisions take precedence over general ones in the event of discrepancy. In addition, Section I.2 ( a ) would serve absolutely no purpose if all decisions on deferment were at the sole discretion of the lender regardless of whether any specific requirements were met. In such a case, deferment would not be available to me even if I submitted reasonable evidence of student status, which Section I.2 ( a ) clearly contemplates. Provisions in contracts are not interpreted in such a way as to render other provisions meaningless. I have satisfied the requirements set forth in Section I.2 ( a ) of the loan agreement several times for the period in question and in a timely manner. The essential fact is that, in a degree-granting doctoral program, active course enrollment is not required to be considered a XXXXXXXX XXXX. This is why the loan agreement refers to being a student, not necessarily being enrolled in courses. If Sofi-XXXX contends I have not satisfied those requirements, then those requirements are unreasonable and Sofi-XXXX is violating the loan agreement. This is an act of bad faith, and good faith in executing contracts is implied no matter what the contracts terms. I have made interest payments as I had been since I became a XXXX XXXX for the periods in question as required of me by my loan agreement, as my loan is rightly in deferral. My loan is therefore in good standing, and any statement or conduct to any other effect by SoFi-XXXX is fraudulent.
12/31/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	VA 23233	Web	Servicemember
SoFi is making a unilateral offer to customers given below. I meet all of the stated terms and condition yet SoFi refused to issue a loan. I have excellent credit ( score XXXX ). SoFi previously issued me a personal loan for {$5000.00} which was paid in full ahead of schedule. The written reason for declining the load is " Does not offer credit on the terms requested. '' yet the application was completed through their website completing all prompts within their given options. The above is a false statement wrt all terms, conditions, and disclosures made to the consumer. Deceptive practices. Their stated reason during a phone call on XX/XX/XXXX for not issuing me the personal loan, as I can best recall, is I had a loan with them previously which was paid in full in less than 90 days. This new condition is not stated in their terms and conditions and, as such, is deceptive and misleading. -- -- -- -- -- -- -- -- - Goodbye, XXXX. Hi, {$350.00} bonus. Toast the end of XXXX with a {$350.00} bonus when you refi your student loan or get a new personal loan with SoFi when you fund by XX/XX/XXXX Additional terms and conditions : Terms and conditions apply. Limited time offer, for applications started before XX/XX/XXXX and funded before XX/XX/XXXX. Not available to residents of Ohio and can not be combined with any other offer, bonus or discount. To receive the {$350.00} holiday bonus offer, you must : ( 1 ) click the link in the promotion ; ( 2 ) start your loan application before XX/XX/XXXX ; ( 3 ) fund your loan before XX/XX/XXXX ; ( 4 ) have and provide a valid XXXX XXXX account to receive the bonus ; ( 5 ) complete Form XXXX ; ( 6 ) and meet SoFis underwriting criteria. Once conditions are met, you will receive your {$350.00} welcome bonus via automated clearing house ( ACH ) into your checking account within 30 calendar days. Bonuses that are not redeemed within 180 calendar days of the date they were made available to the recipient may be subject to forfeit. Bonus amounts of {$600.00} or greater in a single calendar year may be reported to the Internal Revenue Service ( IRS ) as miscellaneous income to the recipient on Form 1099-MISC in the year received as required by applicable law. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer ; consult your tax advisor to determine applicable tax consequences. SoFi reserves the right to change or terminate the offer at any time with or without notice. Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status and and meet SoFis underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, years of professional experience, income, and a variety of other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Financial Protection and Innovation under the California Financing Law License No. XXXX. SoFi loans are originated by SoFi Lending Corp., NMLS # XXXX. ( XXXX ) NOTICE : Recent legislative changes have suspended all federal student loan payments and waived interest charges on federally held loans until XX/XX/XXXX. Please carefully consider these changes before refinancing federally held loans with SoFi, as in doing so you will no longer qualify for these changes or other current or future benefits applicable to federally held loans. To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Advisory services are offered through SoFi Wealth, LLC an SEC-registered Investment adviser. Information about SoFi Wealths advisory operations, services, and fees is set forth in SoFi Wealths current Form ADV Part 2 ( Brochure ), a copy of which is available upon request and at www.adviserinfo.sec.gov. XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX , XXXX All rights reserved. -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Personal Loan Eligibility Before you apply for a SoFi Personal Loan, wed like you to be aware of the eligibility criteria. In addition to the information noted below, you must also meet our underwriting criteria to obtain a loan from SoFi. You are at least the age of majority in your state and able to enter into a binding contract. You are a US citizen, permanent resident or visa holder ( XXXX, XXXX, XXXX, XXXX, XXXX, or XXXX ). If you are a permanent resident, you must be able to show an image or scan of your permanent residency card ( XXXX XXXX ), and your XXXX XXXX must have a total validity ( from issuance to expiry ) of more than 2 years. If you are a visa holder, you must be able to show an image or scan of your valid visa and proof of an approved application for a XXXX XXXX, including either an XXXX approval notice ( Immigrant Petition for Alien Worker ), or receipt or approval of an XXXX ( Application for application to register permanent Residence ). If you are a non-permanent resident alien ( or DACA recipient ) who does not have a valid XXXX, XXXX, XXXX, XXXX, XXXX, or XXXX, you will need to apply with a creditworthy coborrower who is a US Citizen or permanent resident by calling XXXX. You reside in a state where SoFi Lending Corporation is authorized to lend. You are at least the age of majority in your state. You must be employed, have sufficient income from other sources, or have an offer of employment to start within the next 90 days. Loan eligibility depends on a number of additional factors, including your financial history, credit score, and monthly income vs. expenses. For applicants with one or more existing SoFi personal loans, the applicant must have made at least three payments, as well as the most recent three payments on-time ( not late ), on each loan in order to be considered eligible for an additional personal loan. Note that Michigan residents can only have one SoFi Personal Loan at any given time. State Eligibility : SoFi Personal Loans are not available to residents of MS . Minimum loan requirements might be higher than {$5000.00} in specific states due to legal requirements. Fixed and variable-rate caps may be lower in some states due to legal requirements and may impact your eligibility to qualify for a SoFi loan. See state license information here. Minimum loan amount : Personal loans have a minimum loan amount of {$5000.00} and maximum of {$100000.00}. Minimum loan amount may be higher in specific states due to legal requirements.
09/11/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Improper use of your report Credit inquiries on your report that you don't recognize	NY 105XX	Web
My complaint is that 2 accounts were opened online, not by me, and certainly without my permission, using my identity. I do not understand how these accounts could be opened first of all online, and second without the presence of the individual to verify a signature, an address, proof of residency, and proof of identity. On XX/XX/XXXX a loan with SOFI Lending was applied for in the amount of {$19000.00}. The loan was approved and funds transferred. All this came about when a letter dated XX/XX/XXXX, from XXXX XXXX was sent to an old address I had not lived at for more than 20 years. In this letter, it stated they denied opening an account for me, an account I never applied for. The letter suggested I contact the credit agencies to see if there was anything affecting my credit report. On XX/XX/XXXX, I went online and reviewed my XXXX Credit report where there was a recent inquiry for SOFI Lending. Not knowing who this company even was, I contacted them that same day to get some information. I spoke with XXXX who confirmed that a loan was applied for using my name, date of birth, home address, home phone number, but a different email address. I immediately let them know I did not request any type of loan with their company and they should put my claim in as a fraud incident. She informed me that a block would be put on the account for review and that they would get back to me with a reference number. It was XXXX who also informed me that the whole loan transaction was completed online. On XX/XX/XXXX, I reported the identity theft to the FTC. I also added a freeze and security alerts with the three credit bureaus, XXXX, XXXX, and XXXX. I was able to make a police report in person at my home on XX/XX/XXXX with an Officer from my local police department. Not hearing back from XXXX XXXX, I called again on XX/XX/XXXX and spoke to XXXX. It was then when I requested the reference # to my fraud case. When I asked what type of identification is given to show proof of identity, I was told that they request any of the following : a copy of a driver 's license, passport, or income statement. When I asked what they received I was told that it was the underwriting department that had this information on file. I asked to speak to the underwriting department but I was told that I could not. XXXX also mentioned that since I reported the incident, they would do an investigation and remove the loan from my credit report. It was also at this time when I was asked if I wanted their Fraud Packet, in which I did request. After receiving their fraud packet and reading through it, it requested giving more personal information such as my driver 's license ID # and copies verifying my address, driver 's license, passport, or utility bills. Of course not wanting them to have any more of my personal information than they already had, I made my third phone call XX/XX/XXXX. I began asking questions about this fraud packet but the specialist could not answer my questions, it was then that I asked to speak with their manager XXXX. After being on hold for more time than needed, a specialist, XXXX, picked up the line. Frustrated at this point, I asked my questions again, only to get the same unsure answers. I did continue pressing for answers, like why did they not make a phone call to verify my information prior to lending this money like the website states in the Q & A section ( XXXX had my home phone number on file ). I was told that sometimes these processes are not necessary and that their policies change depending on the need. Thats poor policy right there. I also asked how could it be that not one letter or any confirmation of the loan was sent to my home address ( also on file ), I was told the whole transaction was opened and completed online. I found this very hard to believe and needed to know more. Not knowing what type of account the {$19000.00} was transferred into, I asked where and to what type of account XXXX transferred the funds to. Again, not being able to give me all the information I needed, I was able to get the name of the bank, XXXX, and the last 4 digits of the account number. I then contacted XXXX XXXX and spoke to XXXX on XX/XX/XXXX, I discovered that they too open accounts online. When I asked some of the specifics about the account such as identification given to open the account, address on the account, again I was road blocked and could not get the information I needed to protect myself from the fraud situation taking place. I alerted them too that although the account was opened in my name and with my social security number, it was a fraud and I did not authorize or open an account with them. They opened a fraud case number and informed me that I would be receiving a letter from them within 30 days. Since I did not request an account to be opened with XXXX, Im hoping that after receiving their letter ( not knowing what it even is going to read ) I will be able to close this account. Frustrated and upset, I pressed XXXX XXXX for further information as to the address attached to the account, they would not give me the address but when I asked if it was even in the state I live in, I was told it was not. I'm not sure how SOFI Lending could so easily transfer funds to an account without verifying that the information on the account matched the information in their files. Simple steps could have been taken to alert me to this incident sooner. SOFI Lending has failed to do any : 1 ) Send a letter, perhaps with an ID pin to the address associated with the person who's social security number is being used for the account. The letter, once received with the ID pin, could be used to call the company to confirm that the letter was received at the proper address. 2 ) Require additional information such as copies of utility bills, paystub, or insurance bills to again verify the address 3 ) Compare and verify the address and all information on the account funds are transferred to 4 ) Make a phone call like stated on their website in the Q & A section
10/23/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NY XXXXX	Web
I am a banking customer with this financial institution, and this is a complaint and report of improper and insufficient handling of a fraudulent transaction dispute. On XX/XX/XXXX, I used my SoFi debit card to purchase a product online ( a bed frame, ) from a vendor " XXXX XXXX ''. The transaction was successful and my account was charged in the amount of {$140.00}. Unfortunately, in the weeks that followed, it appeared quite obvious that I had become a victim of a scam. After not receiving a production on the expected time-frame, I reviewed my order and noticed several red flags : besides NOT receiving my product, the vendor 's website was offline, their " customer support '' address was a private email address and, lastly, they had provided a fake tracking link. All of the above remains the case as of the date of this report. Anyone can verify this information as follows : The website address provided by the vendor : XXXX The XXXX ( XXXX ) tracking number provided by the vendor : XXXX Therefore, I reported the fraudulent transaction to SoFi and opened a dispute via their customer service. On XX/XX/XXXX, I received an email from the SoFi dispute department asking me to provide documentation of the above, and I did, and they claimed they would investigate. Nearly two months later, on XX/XX/XXXX, I received a followup email from SoFi, claiming that " XXXX XXXX '' responded to them with a rebuttal to my claim, but SoFi refused to share the material that was supposedly supplied to them by the vendor. They said they they sent me an attachment, which I was unable to access. I called them the same day to complain about my inability to access the documentation, and they verbally explained that the vendor 's rebuttal consisted of them sending " pictures of the product they sent '' ( as if that constituted a believable proof that the product was shipped???? ) and the customer support specialist admitted that this was a diversion tactic on the part of the vendor, but continued to refuse to give me access to this " evidence ''. Instead, the support person vehemently insisted I reply to the email I received from SoFi and to state that I " reject the rebuttal '' and when I continued to explain that I would - understandably - like to see WHAT evidence I am disagreeing with, they insisted I just reject. Even though I was visibly unhappy about the lack of proper customer support and I voiced my concern with my banking institution, I realized that they were giving me no choice, and that I had to disagree without seeing the evidence, if I wanted the investigation to continue. On XX/XX/XXXX, SoFi responded that they concluded nothing was wrong with the transaction and that they closed the investigation, in spite of it being obvious that they had not done their due diligence. They communicated that the investigation was closed, and offered no further assistance, including a possibility of an appeal. I immediately called them again, and I requested what was the extent of their research, and how could they credibly claim that this had been a legitimate transaction when they clearly had not conducted their research properly. Even just by accessing the information I provided above, it is clear that this vendor 's site continues to be offline, and that the tracking information indicates that the order has never been shipped, and therefore not delivered to my address either. As a matter of fact, SoFi customer support refused to substantiate their investigation in any way, only offering to send me a letter electronically, and I told them that this did not function in the past, and that I was owed an explanation. Only after insisting and asking several times did the support specialist agree to escalate my complaint to a supervisor, by the name of XXXX XXXX. I revisited the details of the case with Mr XXXX, and he had promised that he would file an internal report and complaint about how this case had been handled by the bank, and also offered to send me the aforementioned evidence that ( supposedly ) had been sent to them by the fraudulent vendor. When I finally received that attachment later that day, it was simply a copy of my transaction that was provided by a third-party processor. Needless to say, it is evident and clearly verifiable from my bank account that I indeed paid for this item and that these funds were deducted from my account. That document was not only NOT the evidence SoFi had previously referred to verbally, it also did not it any way constitute a proof that this order had been fulfilled. I immediately complained about this by responded to Mr XXXX but have not received any communication from the bank since. In closing, I am completely mortified by this banking institution utter lack of concern towards protecting their customer from fraudulent vendors. It was evident from all of my communication with the bank that they failed to conduct a proper investigation, and/or to supply any evidence of communication with the vendor as well as any proof of any research / investigation that they completed independently to determine that this was a legitimate transaction and that it had indeed been fulfilled as promised. To this date, I have not been able to have any response from the vendor, as their website remains offline ( and, I suspect, will remain so indefinitely ) and the tracking information they provided in early XXXX, still appears inaccurate/ false on the shipper 's tracking website. In doing so, SoFi is failing their customers. They are throwing us under the bus, while at the same time enabling bad actors to get away with fraud by failing to do their due diligence in properly investigating fraudulent transactions.
06/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WV 253XX	Web
XX/XX/XXXX This is a follow up to complaint number XXXX. The response from SOFI and XXXX has created more questions than will fit in a 100 word limit response. XXXX : Was all the generous detailed instruction on how to read my " personal credit report '' simply lip service to deceive the CFPB regulators that monitor this complaint process? You may have set a new low! I have spent 15 months requesting what is guaranteed to me by section 609 of the FCRA. At this point there must be a dozen requests via direct letters to you, the CFPB complaint process and multiple requests by the Office of the Attorney General West Virginia ( who you would not even respond to multiple requests ). As I said before you have refused to answer, stonewalled or have given evasive replies that have nothing to do with the request. In your last complaint response, how generous it was of you to provide such detailed instruction regarding my personal credit report. Things like inquiries shared with others and inquiries shared only with you. And the mention by federal law, your personal credit report must list all organizations that have requested you credit history. And now the big new low -- -you never sent my personal credit report to me. Was all the generous detailed instruction simply lip service to the CFPB regulators that monitor this complaint process? With your 15 month track record with me it would be foolish for anyone to give you the benefit of the doubt. Your response was written in complete bad faith. Just like in the past 15 months you had no intention of delivering my consumer disclosure and fulfilling your obligation as a CRA. It certainly appears you think you are above the law. This is all I want. A simple one word response on the CFPB, sent. At which time you send me my consumer disclosure meaning the long version of my file, the one only I can request, that list every inquiry on my file including promotional inquiries as well as all information that has been suppressed or edited/deleted for whatever reason. Considering you are footnoted in this definition on XXXX you know exactly what I want. This consumer disclosure will also be back dated to a previous request, complaint number XXXX, filed XX/XX/XXXX. SOFI : My letter to you dated XX/XX/XXXX indicated that I had 30 SOFI pulls on my XXXX report. Your XXXX XXXX letter indicated your investigation could only " ... identified three soft pulls. '' XX/XX/XXXX, you said in a company response : If you are seeing as many as XXXX soft credit inquiries on your credit, please contact XXXX regarding these inquires. What you are telling me? Could you not find these 27 pulls in your file or were you not expecting them to be listed on my regular XXXX credit report? What is the reason the pulls showed up on the report if that is the case? Your response on XX/XX/XXXX these 27 pulls that were unaccounted for have now have magically become prescreen mailer pulls. Obviously, prescreen mailers come with the legal record keeping and firm offer obligations under the FCRA. It appears you didnt have a record of these 27 pulls your XXXX XXXX response which is most likely the reason I never received offers/mailers from you. Also, pre-screen offers are designed as a cost effective way to market to consumers that meet whatever thresholds. SOFI must buy millions of names from the CRAs annually. To think that SOFI does a soft credit check on each name every time a mailer is sent would negate any cost efficiency and to think that each consumer would get a soft pull every mailer that would show on their report would result in a huge number of complaints. SOFI does not have a lot of complaints. So what happened?? Here are a couple of questions from your previous complaint response. First, when asked how you obtained my social security number you indicated it was not necessary for pulls? That being the case, your own website indicates in the absence of a social security number consent is required : Website : " Did you know that a company can pull your credit information with just your name, address, date of birth, and consent? '' Could you please elaborate as to when, where, and who did you obtain my consent? I expect that the consent requirements are different between the XXXX separate soft pulls and the prescreen pulls discussed above. Please itemize. Second, you stated we began sending you direct mailers in XX/XX/XXXX. This is shortly after the XXXX data breach which I responded to with the security freeze/opted out. Were you accessing my data through XXXX prior to XX/XX/XXXX? If so when did it start, how many pulls and what are the details of my consent? Third, as discussed, there are several ways the prescreen process works. The most common is the CRA provides the list. The other way is the creditor provides the consumers name to the CRA. Considering the date of the first mailer, did you migrate my name to XXXX because you could no longer access my data through XXXX? Fourth, like I said before, I do not recall receiving a single mailer from you in the past three years. And considering the XXXX report indicates that these were sometimes sent twice a month SOFI should be a household name around here. As you know the FCRA requires a firm offer as well as record keeping. This being the case could you please tell what you were marketing to me? XXXX tells me these 27 pulls were preapprovals. There seems to be a big difference between a mortgage preapproval and a credit card preapproval. You mention the word " loan '' in previous correspondance, was someone indicating I was interested in a loan and providing you with my consent? I look forward to you response. Sincerely, XXXX
07/22/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NE 684XX	Web
We took out a loan with SoFi to refinance our home loan. We were looking to go to a 15 year loan and get a lower interest rate. The entire process was very difficult. They made promises they then did not honor including advertising and telling us there would not be a origination fee but when it was time to close there was, they just called it an administration fee. They also had to check our credit twice do to them making an error and having my husbands name as one thing during their process but with our prior lender it was spelled a different way causing two checks with our credit report. Throughout the entire loan process there were constant errors in the paperwork and details of the loan. They asked multiple times during the process for proof of flood insurance from our current lender. We sent them our flood documentation including the elevation test and the LOMA that was approved. In 2015 we had been removed from the flood zone by FEMA and no longer required flood insurance. I unfortunately did not save every email interaction with them, however I did find one email from XX/XX/XXXX prior to closing on the loan where we once again informed them we were not in the flood zone. We ended up closing on the loan in XXXX, they had everything they needed and confirmed we did not need flood insurance. In XXXX I contacted SoFi after closing on our loan to see how to go about getting the XXXX % interest rate deduction on me and my husbands personal loans ( we had received a post card that if we refinanced with them we would also get a reduction on our personal loans we had with them, we were also advised this early on in the refinance process over the phone ). I was told the person on the phone did not know anything about this. They ended up advising me to get the interest rate reduction I needed to go online and apply for a new loan and use the option/reason to get a lower interest rate. I did this as advised ( causing another credit check against my credit ) and was denied. At the time my credit score was XXXX but they said my score was too low to approve the loan I was requesting because they advised me to request it. On XX/XX/XXXX I sent a complaint to their 'CEO ' which I am fairly sure is not really handled by their CEO. After multiple interactions and finally asking them to pull up the original phone call where we were advised we would get the interest rate reduction, I received an email they could not give us the reduction but they would give us {$50.00} ( the said the reduction would have resulted in {$28.00} savings over the life of the loan ). None of my other concerns were addresses and it was dropped. In XXXX we began receiving multiple messages stating we needed flood insurance again. My husband and I spoke with multiple people every week. We continued to be advised we just had to send in our LOMA. We would send it in and they would come back and ask again. They could not ever find our account. We ended up sending it to the person who handled the above complaint hoping she could help on XX/XX/XXXX. We never heard a response. The confusion has something to do with SoFi and the company who services their loans not having the same account number. We sent the flood documentation an estimate of 6 times from XXXX through XXXX ( they would call every couple of weeks, we would send it every couple of weeks ). We then began receiving letters stating they would force us into flood insurance and purchase it for us. At this point I had contacted FEMA asking for help who also advised the LOMA is what we should need to send them. We were not getting any help from anyone to understand what we needed to do. XX/XX/XXXX, I emailed the CEO again, I received a generic email from someone saying someone from the mortgage team would get back to me. I never heard anything back. On XX/XX/XXXX I emailed the 'CEO ' again letting them know I would be contacting CFPB because I did not know what else to do. I again received a generic response stating they would be forwarding it to the mortgage team and someone would get back to me. It is now the XXXX and I still have not heard back from anyone. We did however receive an email on XX/XX/XXXX notifying us that they had purchased flood insurance using our escrow for {$1700.00}. We have not been advised yet how they will pay our other stuff since our escrow will now not have money in it. I assume we will be getting a bill or something soon. We are begging for help. We thought we were doing everything correctly. We continued to do what we were asked to do which was to send in our LOMA. They would not help us understand what was needed to prevent this and then spent our escrow without our permission. We do not know if we need to contact a lawyer or what to do next. We did go back to FEMA and are requesting a new LOMA even though we have been advised LOMA 's do not expire. We are in the waiting process for that. At this point we would like to refinance our loan with a different company but can not afford to pay another {$4000.00} closing costs with a different company. We feel we should have been advised prior to closing that we were going to be required to get flood insurance if we refinanced with them or at least had someone help us to understand what they needed before they just spent our escrow. We feel we took this loan out based on false information from SoFi. I do have some emails that I have kept during this process. Please let me know if there is anything else we need to try to resolve this issue. Thank you for your support.
03/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WV 253XX	Web
Hello, Over the past 12 months I have filed many disputes/complaints with XXXX and SoFi simply requesting information that is guaranteed to me by the Fair Credit Reporting Act. Section 609 of the FCRA -- -Section 1 -- - '' All the information in the consumers file ... '' and which would include the " ... Identification of each person ( including each end user ). Instead, XXXX and SoFi have refused to answer, stonewalled, or have given evasive replies that have nothing to do with the simple request. XXXX has gone as far as to completely ignore and not respond to requests by the Attorney General of West Virginia. Here is a timeline : XX/XX/XXXX CFPB number XXXX -- -I stated, " I've contacted XXXX via telephone multiple times, and they do not offer a way to request my credit report going back 6 years ... '' XX/XX/XXXX XXXX responded " Once we receive your complete identification information, we will promptly address you complaint '' and closed the complaint. XX/XX/XXXX I sent a letter requesting my credit record with pulls " as far back as possible or at least the 6 years as required by law. This was accompanied with the required identification. XX/XX/XXXX I get another letter from XXXX requesting identification. XX/XX/XXXX I sent a third request along with the necessary identification. XX/XX/XXXX I get another letter from XXXX requesting identification. XX/XX/XXXX I send another letter to XXXX stating : Sirs, You indicate we were unable to honor your request or a portion of based on the limited amount of information regarding your dispute but they do not say what information is necessary for you to complete your legal obligation to provide a complete history of my hard and soft credit pulls. Per your instructions on my last request you were provided a copy of my drivers license and a utility bill. This time I have included a copy of my drivers license and my United States passport. Also, instead of just one copy of a utility bill I have provided 4. At your convenience please provide a complete history of my hard and soft credit pulls. My address for the last 20 years has been XXXX XXXX XXXX XXXX, XXXX, WV XXXX. My social security number is XXXX and my DOB is XX/XX/XXXX. XX/XX/XXXX I receive a letter from XXXX which once again fails to address the issue but is a simple credit report. XX/XX/XXXX I file a complaint with the State of West Virginia Attorney General. XX/XX/XXXX I receive a letter from XXXX XXXX at the West Virginia Attorney General indicating they have contacted XXXX on several occasions and have not received a response. XX/XX/XXXX I file another complaint with the CFPB number XXXX indicating that XXXX " continues to provide my financial data to parties that do not have legitimate purpose ... '' XX/XX/XXXX XXXX replies " ... you are requesting the inquires to be deleted ... '' This was never requested! XX/XX/XXXX I send the following request to SoFi. Please keep in mind, I do not meet the marketing profile of SoFi and I have never received any solicitation from them in spite of the 30 times they have used my data from XXXX. Hello, Your company, Sofi Lending Corp. has pulled my credit report at least 30 occasions in the past 3-4 years using the XXXX CRA. Your representative on XXXX indicated this might be as the result of a marketing campaign though I have never received anything from your company. At your convenience and as required by the Fair Credit Reporting Act, section 607 please identify each end user of the resold report ( information ). And for what legitimate purpose is my credit report being used for as required by section 604? Enclosed is a copy of my Drivers License and two utility bills. My social security number is XXXX. You may contact me by email at XXXX or call me at XXXX. XX/XX/XXXX SoFi responded : " We are unable to locate any record of your name at the address provided. '' I have lived here for almost 30 years and they have accessed my data at XXXX 30 times in 36 months. Stonewalled again! And they go on to say they have removed me from their direct mailing list " ..though I may receive one or two more due to mail lead times ... '' Considering I have never received any mail from SoFi I doubt that will happen. And obviously I did not make the request to be removed. So, this is what I want, it is simple, which is quoted directly from the Act itself : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request The initial request was XX/XX/XXXX. And from the date of the initial request and to what legitimate purpose is the use of the report : ( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report ( i ) for employment purposes, during the 2-year period preceding the date on which the request is made ; or ( ii ) for any other purpose, during the 1-year period preceding the date on which the request is made. My identifications are uploaded. Any questions plz dont hesitate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34759	Web
This is an attempt to validate a debt, against XXXX account and Sofi inquiry. XXXX and Sofi has report defamatory information about me to. I am concerned about the validity and accuracy of XXXX recent investigation ( XX/XX/1921 ) and XX/XX/1921 XXXX that is reporting on my credit report. This XXXX was deleted off XXXX and XXXX. I requested an investigation of XXXX accounts reporting on my credit file because I felt the item was not being reported legally and lawfully. I received a emailing and letter stating that XXXX investigation was complete. I would like XXXX to explain to me how they conducted their investigation? I contacted the below creditors and they have NO proof I initiated such account, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. Method of Verification 1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 2. What certified documents were reviewed to conclude your investigation? 3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 4. What did it cost your company to obtain the documents needed to complete your investigation? 5. Please provide proof of your timely procurement of certified documents. 6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 7. If yes to above : a ) .Who did you speak to? b ). On what date? c ). How long was the conversation? d ) .What was their position? e. What telephone number did you call? f. What is the name of the employee of your company that spoke directly to the above party? g. What is the position of the employee of your company that spoke directly to the above party? h. How long has that employee been employed by your company? i. What formal training was provided to this employee to investigate items of this kind? j. Was there any e-mail or written communication between members of your company and the above party? 8. If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 9. Provide the date of the commencement of information 10. Provide the SPECIFIC date reporting that these items will cease Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will formally request a jury trial! XXXX XXXX will further pursue all of my legal remedy without further notice to XXXX. XXXX XXXX has attempted to resolve this matter formally before filing a complaint on XXXX with Consumer Financial Protection Bureau and lawsuit! Please Remove/delete XXXX and Sofi immediately ! I authorize the investigation and credit check
01/03/2018	Yes	Student loan Private student loan	Getting a loan Problem with the interest rate	DC 20007	Web
There are three problems with the way I was treated by SoFi : ( 1 ) First, on XX/XX/XXXX, I responded to a solicitation by email, from SoFi, which said I would be given a .25 % discount on a student loan refinance, if application were submitted before XX/XX/XXXX. On XX/XX/XXXX or XX/XX/XXXX I filled out an on-line application for refinancing my private student loan. In the online application, I listed my net income as {$150000.00}, based on the income I have earned this year, XX/XX/XXXX. SoFi 's application did not request, at that point in time, that I list my income from years prior to XX/XX/XXXX ; it merely asked for a statement of my income. Then, On XX/XX/XXXX, I received an email saying I was pre-approved for a rate of 4.25 %, with monthly payments of {$490.00}, fixed rate for 15 years. On XX/XX/XXXX, I responded to SoFi 's request for tax forms for the years XX/XX/XXXX and XX/XX/XXXX, along with additional financial information, which I provided. I am self-employed and received net income of {$90000.00} in XX/XX/XXXX and {$110000.00} in XX/XX/XXXX, respectively. Between XXXX and the XXXX XXXX, I received two more emails requesting additional financial information, to which I responded with a total of 30 pages of documents. At no time did SoFi ask me to clarify my ( correctly stated ) statement of income for XX/XX/XXXX. I continued to see on my SoFi dashboard that the rate I had been offered would expire on XX/XX/XXXX. Then, that same day, XX/XX/XXXX, I received another email from SoFi, which revoked my offer of 4.25 % and replaced it with a new offer of 5.175 %. The explanation provided by SoFi was as follows : " The interest rate quote we initially provided was based on the {$150000.00} annual income entered in your application. However, the income entered in your application differed from the income we were able to verify using the documents we received. Due to this discrepancy, your interest rate quote has changed. '' I believe SoFi 's application process was unfair because the income I provided at the outset was correct and I was not presented an opportunity to prove it. The low, 4.25 % rate offered was merely bait to induce me to do a lot of work to apply, only to receive a higher rate, based on an incorrect explanation. Note : I have more than enough disposable income to pay the monthly amount required by either of SoFi 's offers. My credit score is XXXX. I receive numerous solicitations weekly to open up new lines of credit. SoFi 's justification for increasing the interest rate, based on what SoFi incorrectly states was an inconsistent statement of income, is baseless and was merely a pretext to increase the interest rate that it offered, and unfairly induced me to engage in their loan application process. ( 2 ) Second, today, XX/XX/XXXX, I received a letter by email from SoFi that revoked my offer of 4.25 % and replaced it with a higher offer of 5.175 %, under an expiring deadline for SoFi 's initial offer of 4.25 %. I believe providing a deadline for a low rate, and then revoking it with less than 24 hours left under the deadline, after a fair attempt to comply, is a pressure tactic and is unethical it itself. This method of conducting business is also a burden to me, and probably countless other consumers, because of the weeks I have invested in pursuing SoFi 's original offer. ( 3 ) Third, SoFi has no internal complaint process for consumers. I was able to speak to a manager, on a recorded line, but he said there is nothing he can do to help me. I asked for the opportunity to speak to someone at a higher level, or to file a formal complaint, or to engage in arbitration to address my complaint, but he said there is no one else to speak to, there is no internal complaint process for consumers, and there is no arbitration program. However, the manager said that he was filing a " complaint '' for SoFi 's records, to improve the application process but not to provide me, the consumer, with any avenue for relief. He said there would be a record number generated after our call, but when I asked him for the record number, he said he could not provide it unless SoFi receives a court order to provide it. He said I could probably get a copy of the phone recording, but only if a court orders it. I asked him for his full name, but he would not provide it, except for his first name and last initial ( " XXXX XXXX '' ). I asked him for an acknowledgment by email that I had complained, with a copy of SoFi 's " quality control '' complaint number, but again he said I do not have the right to receive any record of my concerns. In sum, I believe SoFi is engaging in " bait and switch '' tactics with consumers, is arbitrarily revoking offers and replacing them with dramatically higher offers, and is not serving consumers or the business community by failing to have ANY internal dispute resolution process to resolve customer complaints.
10/21/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	VA 22304	Web
I initiated a mortgage refinance loan with Sofi on XX/XX/2020 and was told that it would take approximately 60 days to close ; however the loan is still not closed due to repeated mistakes on their part. I am not submitting any documents or records for this complaint, since all of the issues I am describing can be verified by documents in my Sofi account portal and through emails with Sofi staff that have handled my loan. I submitted all required paperwork for the loan to them on XX/XX/XXXX and had the home inspection was completed by XX/XX/XXXX. We received conditional approval for the loan on XX/XX/XXXX, on which day we also submitted contact information for employment verifications. At that time I was told that no additional paper work or information was needed from me and that the loan would go through regular processing channels ; however from that point forward until today Sofi has made error after error which has resulted in a routine mortgage refinance taking almost 6 months. Below is a summary list of the issues that we have had with Sofi : 1 ) Staff do not routinely return phone calls, voice mails or emails. They do not acknowledge receipt of paperwork, information or requests for assistance/clarifications. 2 ) Staff routinely lose or fail to file paperwork and information that they collect ( employer verifications, documents that come to them directly from current mortgage holder etc ), which results in the applicant needed to follow up on their behalf and to request the same documents/information multiple times from employers, mortgage companies, city tax offices etc. 3 ) The process for managing the loan is completely unclear and staff are unable/unwilling to explain who/which offices or departments are responsible for the loan during different points in the timeline. The initial " loan officer '' is a person that seem to have no actual engagement with the loan after the preliminary paperwork is signed. He is the only point of contact for whom an email and phone number are provided, yet he is completely unreachable. I had to comb through the Sofi website and make dozens of calls to any phone number I could find on the website to get connected to managers of the various departments that handle the process. The amount of effort I have had to exert to get information and feedback from this company is ridiculous. 4 ) Despite Sofi senior staff admitting that they have made major mistakes with my loan, they do not seem to have capacity to oversee the processing to ensure that it moves forward efficiently and effectively. Each time there was a problem they assured me that they would address it immediately ; however even if they resolved one issue, others arose due to staff who seemed inexperienced and/or did not review the information diligently. At various times it seems that the staff managing the process lost track of my application or were so overwhelmed with other work that they could not follow up with me for weeks. This resulted in the interest rate being extended five times and my family having to submit 12 sets of paystubs and 6 months of mortgage and bank statements ( so far ). 5 ) Some of the most egregious problems that have occurred so far include what may be considered as predatory lending practices ; 1 ) failure of Sofi to send us ANY closing documents until 3pm of the day that we were scheduled to sign the documents in front of a notary at 5pm ; 2 ) the closing documents that were sent were incomplete and did not contain information on the monthly payment that was due ; 3 ) the closing documents stated that we needed to provide {$2600.00} cash at close, which was not what had been agreed upon in multiple earlier conversations and emails ; 4 ) the failure of Sofi to provide a SINGLE person who could answer any of our questions after we received the incomplete and inaccurate CD ( two staff that were responsible for my loan were on leave and the other was unreachable ) ; 5 ) inability on the part of Sofi to cancel the notary appointment ( that they scheduled ) after I emailed everyone to let them know that we could not sign the documents since we had not been able to review them fully or get answers to our questions ; 6 ) pressure from the notary that they hired to sign the documents ( he claimed that he could not leave my house without either the signed documents or instructions from the loan officer - of course he could not get in touch with the loan officer ) and ; 7 ) learning after the closing fiasco that the {$2600.00} cash at closing was to cover city taxes- which had already been paid in full by the current mortgage company.
01/13/2022	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	CA 92130	Web
Hi, I am trapped in a loan with SoFi that I did not ever sign up for. I got tricked apparently by a set of steps check your rate, collect diamonds. And I completed enough steps to finish the loan, so they say. They had a snooze option, which would keep the loan from funding until XXXX expired. They funded the loan early. I apparently did not cancel in time. They didnt send the disclosures until 5 months after I allegedly agreed to the loan. I am a public university employee and getting trapped in this loan will cost me an extra {$43000.00} and 5 years. SoFi represents itself as my bank, but is really hard selling me any kind of loan they can through an App. I dont think I ever signed up for this loan, and regardless, SoFi holds itself out as my bank and is rewarding me with cash bonuses and incremental small bonuses to progress through the application process, not disclosing material facts in a timely manner, and now refusing to return my loan to federal, even though I asked before XX/XX/XXXX when it funded. I had tried emailing and calling even earlier to cancel, but they only communicate over Chat. And robot chat. I am hoping someone can help me. Simply by following steps in an app I turned a XXXX loan into a XXXX loan with a 6 % interest rate. I dont even know how it happened, and now I am in a Terrible position. I write because I need help and I also think it would be terrible if SoFi got a bank charter and could harm more people. Can you help me follow up with SoFi or direct my complaint to the appropriate agency? On Wed, XX/XX/XXXX at XXXX PM XXXX XXXX XXXX wrote : Hi XXXX, I never agreed to this loan. The awarding of diamonds as people upload documents, the snooze feature and the early trigger of loan funding is inherently predatory. Potential borrowers should receive robust disclosure. Not subjected to a gameification scheme by which people are lulled into loans. More concerning, is that you would even elect to enroll someone in a loan that will cost them {$43000.00} extra. That is Inherently predatory. Also unkind and disrespectful. Not actions of a company wanting to gain a bank charter. The communication with SoFi has also been difficult and void of any humanity. SoFi conned me into this loan likely because of my low vision status and the snooze feature expiring too early. Also, Your failure to provide prominent disclosures about the attributes of this loan is also troubling and what I would call overly cagey, probably predatory. The fact that policy changed dramatically re : PSLF while we were snoozed and you didnt change any disclosures or require updated signatures is also very cynical. SoFis scamming me into this loan is morally reprehensible and I hope you will connect me with a manager before I proceed to take further action. I also find the complete lack of desire to act in best interests of your customer throughout this process to be concerning. Please connect me with someone. Best, XXXX XXXX Tue, XX/XX/XXXX at XXXX PM XXXX wrote : Hello XXXX, Thank you for reaching out to SoFi in regards to your Student Loan Refinance application that was in snooze status until XXXX when the loan funded. It is never our intention to mislead or force anyone to complete the application process if they don't want to. We expect our applicant 's to do their due diligence and research also of the application process and the ramifications of refinancing federal loans into private student loans. We do our due diligence to assist with providing the applicant 's the information needed so they can make sound decisions. After reviewing the timeline of the application, it looks like you signed for the loan in XXXX of XXXX, this put the application into a snooze status which was due to fund in XXXX of XXXX. Regrettably, we did not hear from you during the XXXX day rescission period of when the loan could have been successfully withdrawn. Final Disclosure on XX/XX/XXXX, which states on page XXXX, " You have a right to cancel this transaction, without penalty by midnight XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. No funds will be disbursed to you until after this time. Unfortunately, there is no way to reverse the loan as it has become a private student loan, serviced by XXXX. If you have any additional questions, please don't hesitate to reach out via email or give us a call. Thank you for choosing XXXX! Kind Regards, Troylene B. SoFi Lending Corp . XXXX --
04/29/2022	Yes	Checking or savings account Other banking product or service	Closing an account Can't close your account	CA 94085	Web
I need help getting my money back from a company that's called Social Financing Corporation known as ( Sofi ). I was locked out of my account for suspicious activity ( which they stated ) Lies. There was nothing going on with my account. I opened my account in the middle of XX/XX/XXXX and I was locked out of my account on XX/XX/XXXX. I was sent email and was told to call the fraud department to get this issue resolved. I called the fraud department and left a message for them to contact me back. Someone called me 48 hours later and that was on XX/XX/XXXX. XXXX XXXX was the rep that was over my account and he was apart of the Fraud Department team ( XXXX ) XXXX. As I am speaking with him he asked me to provide the names and number and address to the people who was sending me money and I did that. He begins to get frustrated and he started using profanity. I had no idea what was going on with him. I was soooooo upset. I hung up and called the customer service number ( XXXX ) XXXX and told them exactly what happened during that conversation and they were able to hear the recorded phone call as well. I filed a complaint against XXXX XXXX and they reassigned my account to someone else. Since that day I called them over and over again trying to get in touch with the person who is over my account XXXX. I called customer service and told them what was going on and they said that they had been calling me but I placed them on the do not call list. I do not do that at all. I am trying to resolve this issue but they're lying. Side bar ( I read so many complaints on the XXXX website and some consumers stated that Sofi stated they tried calling to leave them a message but they were placed on the " Do Not Call List. '' They did that when I filed my complaint against XXXX XXXX. On XX/XX/XXXX I finally received a phone call from XXXX who is apart of the Fraud Department team. He asked me to verify who I was so he sent over a text and I had to click on a link to show my face and my ID that showed my name and address. I gave them my social that was also on file and he stated that is all that he needed to verify who I was. After that I haven't heard anything from him. I was calling at least 2-3 times a week leaving messages, and sending out emails with the same lame response from them. I am fed up and I mean fed up. I was calling them XX/XX/XXXX ( 3x ) XX/XX/XXXX ( 2x ), XX/XX/XXXX ( 1 ), XX/XX/XXXX ( 1 ), XX/XX/XXXX ( 4x ) On XX/XX/XXXX XXXX I was fed up with this company. I called the Fraud Department and left a message and said " I need someone to call me back asap because I am getting so sick and tired of calling and leaving messages and no one calls me back. I will file a lawsuit against this company. ) Someone called me from ( XXXX ) XXXX This man calls me and says " Hi this is blank ( forgot his name ) from the Fraud Department the only person that needs to cops called on is you. You were not the one that opened the account this is not your account. '' I was so angry and upset. I called and filed a complaint against that man. He called me from a different number other than the number that are on file for Sofi. I was livid. I filed a complaint and still nothing has been done. I've called so many times in XXXX and in XXXX I stopped keeping track. I filed so many complaints and spoke with account specialist and they give me the same response. I told them if there was an issue with the deposit reverse the transaction so the sender can send me the money another way. I spoke with the sender and she stated that Sofi called her and she verified her identity and they also locked her out of her Sofi Money Market account. I am over this! They could reverse the transaction and close my account, close the account and send me the check or send the sender the check, or reopen the account. But no they refuse to do anything. The account wasn't even open for 2 months and they have a 6 month investigation going on. I called again today XX/XX/XXXX 2 times and still no answer besides " The fraud department is still doing an investigation and will update you when they're done. '' I need help they're holding my funds hostage and I want it back now. Please help me because this company has so many complaints online and over 400 with the XXXX please help!
11/04/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	TX 77062	Web
On XX/XX/XXXX we applied to refinance our mortgage loan with Sofi. We signed disclosures and provided all documentation as requested by the loan officer based on emails received until XX/XX/XXXX when i was pre approved. Then, everything stopped. I contacted Sofi Loan originator and Member Specialist starting on XXXX to find out the status of the loan. Several emails were sent by me and the Loan originator to the Member Specialist with no result. Finally, on XX/XX/XXXX I contacted Sofi management making them know how disappointed I was about the lack of communication/interest in my loan. On XX/XX/XXXX I was contacted by an Operation Manager who apologized for the previous Member Specialists lack of communication and that they assigned you a new Member Specialist that was a lot better with communication. The new Member specialist asked for a couple other documents that we provided right away. We then were notified that our closing date was set for XX/XX/XXXX ( but cancelled ) and then XX/XX/XXXX and that I will have to pay about {$200.00} for closing cost at closure. Nevertheless, on XX/XX/XXXX I received a call from the Member specialist that the closing will have to be cancelled because they missed a document ( Home Equity Refinance Disclosure ) that I needed to sign since I are from Texas. This will also require to wait 12 days before closure. It is to note that the disclosure was only a notification but the specialist want me to just sign somewhere and return to them. On XX/XX/XXXX I communicated to the Member specialist my dissatisfaction for the continuous cancellations and that we wanted assurances that the third time was going to be the charm. I also asked several questions ( answers in parenthesis received on XX/XX/XXXX ) : 1. Are you going to send us another closing package with corrected amounts, dates, etc.? I guess we need to start over with the XXXX signatures. ( You may get another closing disclosure but this will NOT reset the waiting period. It is just for you to see the current actual numbers if anything was updated ) Yes, the lock has been extended and your interest rate is the same. 3. When is our first payment will going to be now? - Since we are closing in XXXX your first payment will be in XXXX. It is interested to note the email that the Member specialist sent on XX/XX/XXXX asking : " I believe 12 days was the time frame for the TX HELOC waiting period, is this calendar days or business days. I would like to re- schedule the closing today, but need to know the earliest day the member can close. '' This shows the lack of knowledge of regulations. That same day I asked again about the closing documents : " Am I going to get a new set of CD? The current final documents have different numbers, dates, etc. Is that also going to affect the closing date? I expect that we will know soon what are the closing cost, closing date, etc. '' On XXXX I was notified of the ( third ) closing date was set for XXXX. On XXXX I again communicated to Sofi 's Member specialist my concerns about closing : " I received the invite for closing scheduled for XX/XX/XXXX. Do you know when I am going to get the final Closing Documents? The current final documents need several updates. I would like to know at least how much is the cash to close. Would my wife and I need to sign new documents? '' Late XXXX I finally got a call let me know that the closure cost were now $ XXXX!!!!! This was due that since the loan took so long to process we now were less than 2 months from paying the taxes, insurance, etc. What really made us to be concerned us was that the member specialist suggest that to " help us '' Sofi could add the extra $ XXXX to our loan. This suggestion made my wife and I very concerned about Sofi 's ways to do business and made us loose trust on Sofi. After three months working on our refinance and three unsuccessful closing dates, we decided that we rather not do business with Sofi since we consider that we were unfairly treated by Sofi and that they either wanted to deny us the loan ( discrimination? red lining? ) or wanted to make more money increasing the loan amount as suggested.
05/12/2020	Yes	Student loan Private student loan	Getting a loan Denied loan	DE 198XX	Web
I am writing to you to raise a concern about the application process that resulted in my application for a student loan refinance being denied after having been originally pre-qualified. The process was quite frankly humiliating and predatory because of the lack of response/awareness of SOFIs customer service team. I detail my experience because I believe this is a failure that shouldnt be repeated with other customers. Application for Student Loan Refinance. I applied for a refinance of my student loan online at www.sofi.com on XX/XX/XXXX in the amount of {$10000.00}. My motivation for doing this is that my credit has improved since I first received the original loan, and I wanted to decrease my interest rate. I received an immediate response from SOFI that I was pre-qualified to refinance my loan with a new rate of 4.864 %, with a monthly payment of approx. {$200.00} for 5 years, and I was asked to provide my checking account information for payment of my monthly payment ( Attachment 1 ). I was very happy with these terms and looked forward to completing this process. On the week of XX/XX/XXXX, I contacted SOFI several times, to provide things like my paystub, and also to inquire about 2 missed calls that I had from SOFI that week ( the calls came in when I was working ). However, every time that I reached customer service, I was informed that there were no actions items for me to complete, and that the application was being reviewed. I was patient, until by surprise on Saturday XX/XX/XXXX I received a notification via email that my loan application was denied. At first, the letter did not specify a reason for this denial and instead to contact SOFI for the reasoning behind this. After contacting customer service, the system stated that my application was denied because my identity could not be verified. I was shocked, since in the 5 exchanges I had with customer service agents that week, none of them informed me that SOFI needed to confirm my identity. Predatory/Deceptive Practices by SOFI. After receiving this notification, I called again and specifically asked about the problem with verifying my identity. The SOFI customer agent stated that because I have an identity fraud alert in my credit profile ( my information was indeed hacked in the famed XXXX XXXX XXXX of XXXX and subsequently found in the dark web ), SOFI needed to verify my identity. But because I did not pick up the phone when SOFI called, the system had automatically denied my application and there was no way to recall this application even though I was ready to provide whichever verification was needed. Then the customer service agent told me the only way to re-start the process was to complete a new application. I was concerned but re-applied, but here comes the kicker : I was denied. Conclusion. As a consumer, the lack of response from SOFI, by keeping my in the dark, and by the mixed messages that I received from customer service agents that somehow lacked the proper training to understand my application and convey accurate information about what was needed resulted in my first application being denied, and subsequently, after denying my application and telling me that because of this I needed to submit a new application, I was denied again really impacted me emotionally. I had a lot pending in this restructuring of my debts, and to me it feels SOFI took me for a ride. The situation that forced the denial of my first application, and then deceived me into believing I just needed to re-apply when in reality an automatic denial was waiting for me ( we dont event need to pull your credit a second time I was told by the customer service agent in an effort to convince to reapply ). All of this feels predatory, and even much more so when it touches my financial well-being. SOFI markets to young professionals like myself with messages in your website that there arent Hidden fees, No Catch and Fast/Easy/All Online Applications. Well in my case, SOFi ran a hard credit pull, bated me into applying twice, and the process was far from fast, easy or fully online. Very Respectfully, XXXX XXXX
12/15/2015	Yes	Student loan Non-federal student loan	Getting a loan Qualify for a better loan than offered	NC 27701	Web
I contacted SoFi regarding an advertised Student loan rate of 1.91 %. I was really excited to see SoFi 's advertise 1.91 % on student loan 's and went through the registration and application process immediately. Sadly the " best '' rate thy were able to over me was 3.825 % on a variable 5 year loan. I took a screen shot of the advertisement XXXX The rate quote did n't pull credit score which I was surprised about but I know my credit is really high. Since they did n't pull a credit score, I also went through and try numerous permutations of of the rate quote matrix to try and see what did land the 1.91 % percent but never got below 3.825 %. After that I decided to email SoFi and see if they could answer what it takes to get that rate. So I wrote them : Hi SoFi, I am trying to learn how to obtain the 1.91 % APR you 've listed : Currently when I go through the Find My Rate page, I only see 3.825 % as my lowest option. For footnote # 1, you do n't spell out anything regarding the credit worthiness of the borrower : Fixed rates from 3.50 % APR ( with AutoPay ) to 7.49 % APR ( without AutoPay ). Variable rates currently from 1.91 % APR ( with AutoPay ) to 5.45 % ( without AutoPay ). Interest rates on variable rate loans are capped at either 8.95 % or 9.95 % depending on term of loan. See APR examples and terms. Lowest variable rate of 1.91 % APR assumes current 1 month XXXX rate of 0.20 % plus 1.71 % margin. If approved for a loan, the fixed or variable interest rate offered will depend on your credit history and the term of the loan and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month XXXX index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the XXXX index increases. The SoFi 0.25 % AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. APR examples and terms also does not spell out the criteria needed to qualify for such a rate. I ask because I feel like I 'm an ideal candidate for such a low rate, my debt-to-income is less than 10 %, I 've been at my job for more than 10 years and my credit score is very high. Their response Thank you for your email. The 1.90 % rate is for our 5 year variable term. SoFi considers a variety of factors based on your personal circumstances at the time of application. When making a decision about your application & resulting terms and conditions we consider, but are not limited to your : -credit profile -total gross income -years of work experience -debt burden capacity analysis My response : Hi XXXX, Credit profile is n't pulled when I go through your rate finder so I do n't see how this is possibly a variable when quoting. Total gross income - How much? I have the maximum years work experience selected ( XXXX ) My debt burden analysis, or my debt-to-income as most financial institutions call it is less than 10 %. I want the 1.90 % but I 'm looking for specifics regarding what it takes to get it, so far it 's very ambiguous - please advise. Their response In order for you to receive your preapproval rates, Sofi performs a soft credit check, which does not affect your credit but does give insight into your credit history. As far as the other factors that are taken into account when deciding your rate, we do not provide any more specifics as they are part of our underwriting criteria which we do not disclose. You have been offered your preapproved rates, which are subject to change during the review process which occurs once you submit the
02/05/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	NY 10012	Web
My main issues are : 1 ) SoFi lost my loan. SoFi 's system does not show that I have a loan through SoFi, and customer service has refused to help me locate my loan. 2 ) SoFi was misleading about its school deferment policy at the time I applied for a student loan, and the actual policy is unreasonable. 3 ) SoFi 's Customer Service has no idea what its own terms are. When I called in and spoke to a Supervisor on the Customer Service line, I was given information that is blatantly false - that SoFi has NEVER offered student loan ( only student loan refinancing ) and that SoFi has no in-school deferment policy. When I applied through SoFi, I was informed that I could defer student loans if I returned to school. I tried to contact SoFi when I started XXXX school this XXXX. I was told to work through SoFi 's student loan servicer XXXX. The first SoFi/XXXX customer service representative said that it would be taken care of, but that, contrary to my prior understanding, I was still responsible for making monthly interest payments. Since my other loan provider ( for another student loan ) had taken care of this without my input, I had no reason to doubt this. When I noticed that my account was still being auto-debited for the full amount, I called in and was told that I had to submit a formal loan deferment application, which was not mentioned during my first call. After I submitted the application, it took three months to process. The deferment took effect after it finished processing and only applies for 3 months, from XXXX to XXXX of XXXX. This makes no sense. I have been in school and in contact with SoFi and XXXX since end of XXXX XXXX. Since the current deferment only applies to XXXX to XXXX, I have been billed full payments during months when I should only have been paying interest. Since a normal XXXX semester runs from XXXX to XXXX, I now have to go through this entire process again, 3-4 months ahead of time, in order to have my interest deferred for an additional month. I spoke to someone at XXXX, the loan servicer, and was told that this was SoFi 's policy and that I should speak to them to see if they could make any changes. When I called SoFi 's customer service line, I was told a number of things that are not true. First, I was told that I do not have a student loan through SoFi. I was told that their system shows no active student loans and only XXXX subsequent loan refinancing applications ( which were rejected ). When I escalated the issue to a Supervisor, I was told that SoFi does not provide any kind of in-school deferment and that SoFi has never provided student loans. At this point, I asked the supervisor how long he had been working with the company and he admitted that he had not started working for the company until some time after XXXX, which was when I received my student loan from SoFi. I asked the Supervisor if he could further escalate my case, but he said that he was the top of the chain. I asked if there was any way he could look into the matter, since I am certain that I do have a loan with SoFi and their records are incorrect. He said I could send documents to the general customer service line and they might open an investigation. I spent over an hour and a half speaking with SoFi 's customer service, and I am extremely frustrated that I am being forced to jump through so many hoops just to confirm that my loan, which I have been making payments on for 3 years, actually exists. I can not make any modifications to the loan repayment schedule, such as the in-school deferment period, because XXXX tells me that only SoFi has that authority, and SoFi refuses to acknowledge that I even have a loan with them. Please help.
11/05/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	NC XXXXX	Web
XX/XX/XXXX I submitted a complaint to the Consumer Financial Protection Bureau and on XX/XX/XXXX I submitted a second complaint against XXXX/ XXXX/ Sofi lending but CFPB never did anything with the complaint because they said it was a duplicate however there was more information listed in the second complaint I had placed. Unfortunately the Consumer Financial Protection Bureau has turned out to be just as useless as those lenders that lie and deceive. When was there ever true resolution to an issue posted other than the company did all they needed to do. This has become a soap box for complaints and that seems all that it is. I see nothing being done to fix the issues with all of the companies lending to students who have always been told that education is everything, education is priceless. My education came with a cost and interest fees and they seem to be endless. There is so much debt in this nation because of the interest that is charged to people wanting to learn. It was reported around the end of XX/XX/XXXX The Consumer Financial Protection Bureau filed a federal lawsuit against XXXX XXXX and two subsidiaries seeking restitution for affected borrowers and money penalties. The report stated : XXXX cheated struggling borrowers out of their rights to lower their payments " through shortcuts and deception. ", illegal practices made it harder for some borrowers to repay their student loans, XXXX failed consumers who counted on them to help give a fair chance to pay back student loans, '' XXXX said in a statement. " At every stage of repayment, XXXX chose to shortcut and deceive consumers to save on operating costs. '' The list went on and on. I felt I fell into this category and I attempted to seek relief towards the loans that had been transferred to Sofi/ XXXX from XXXX. I was only seeking fairness and resolution to get ahead and I had not know earlier that XX/XX/XXXX that I could make a formal complaint through CFPB. I asked that XXXX pay the ridiculous amount of interest accrued during the time they held my loans, my background like many others started this way : In XX/XX/XXXX I applied for a loan to go back to school. My loans had a 2 % interest rate, upon graduation the rate was 7.7 %. I had put off payments towards the loan until graduation in XX/XX/XXXX I was given a variety of information from my lender that was both misleading and unhelpful time and time again. When I graduated my loans had accumulated to XXXX dollars, I did what I could to start to pay back the debt but never could get ahead. In XX/XX/XXXX XXXX finally informed me about the income based repayment and for 3-4 years I made payments totaling almost 13 thousand however my loans gained XXXX of interest over the period of time and I now owed XXXX. I had no choice but to refinance with another lender, Sofi/ XXXX . When I refinanced the loan after the payments I had made for three years the total amount was for XXXX dollars. Sofi seemed the better option with structured payments, it seemed to be my only option of clearing my debt someday. I was poorly informed and I feel defrauded by XXXX XXXX/ XXXX. My claim submission reply through the CFPB website from the company was that they had billed everything correctly on their end, that's it. XXXX created obstacles, and misinformed me throughout the history of my loans making paying the loans down impossible. Now Sofi/ XXXX have my loan and the one rep I had spoken to stated that people have loans forever. Who wants to live like that, how is that something to look forward to? Sofi/ XXXX have no income based repayment program setup and I currently can not afford to make payments on my loan.
05/05/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	OK 731XX	Web
On XX/XX/2022 I applied for a personal loan and was approved for {$60000.00} via a soft pull from the credit bureaus. We accepted the terms and proceeded to provide proof of income by uploading my most recent paystub and our latest W2 just in case. SoFi asked for my mobile number as well as my personal banking account to wire payment and to setup the auto-draft each month for repayment. After providing all my personally identifiable information to their system, I was told they would reach out if they needed anything additionally. The next morning I received a rejection letter citing " UNABLE TO VERIFY INCOME '' as the reason. I immediately called SoFi 's toll free number XXXX and the customer service rep said that it was because I had a credit lock on my account and I could apply again tomorrow if I removed it. I notified the rep that we had no such lock and she continued to reiterate applying again. I asked to speak with a supervisor and was informed that someone would call me back because they were all busy at the moment. After not receiving the call back as promised, on XX/XX/XXXX I reached out again to the toll free number and went through almost the same explanation. I then again asked to speak with a supervisor and this time I was connected to XXXX. I detailed my trouble and explained that maybe the system had a problem with my application due to an outage or something because I had provided everything their system had asked for and maybe he could review it for me by a human. He stated that even though we provided paper copies of my last paycheck and the W2 from the employer from the latest year, they couldn't approve the application because their " PROPRIETARY '' system of income verification couldn't verify my pay. When I asked if they reached out to my HR department to verify employment or asked the IRS a form XXXX for digital verification he stated no, we don't do that and again reiterated the PROPRIETARY system they have used. XXXX also stated that there was no recourse because they will not disclose how they verify income thus preventing me from remedying the problem with my bank or HR or whoever else they contact to validate my income. Due to the attempt to resolve the issue directly with a person in authority with SoFi and their inability to legitimately provide reason for rejection, I feel this company is engaged in fraudulent loan practices or is profiting from selling sensitive data to 3rd parties or something like that. My credit is impeccable, credit score of XXXX, stable job for 10 years, current on taxes, homeowner, etc, etc, etc. So the PROPRIETARY system they are using to verify income is either a bogus excuse or the company never intended to extend credit in the first place. In other words, Fraudulent! Upon request I can upload the SoFi rejection letter as well as the documents I uploaded to prove income. ALL of these document are most current including the last pay period as well as most current year W2. I can also provide sworn and notarized statement from my bank of 30 years and my employer of XXXX that no one reached out to verify income. In closing, I am truly aghast that SoFi is unable to hand process and verify someone's loan. Had I known that only robots ran this company, I never would have applied there. Now my personally identifiable/sensitive information ( which must be kept for 25 months they informed me ) is in the hands of this inept company. Now I must worry that I'll be the victim of a hack one day because they released all my info to some third party or something and made a quick buck off me. This is not right! Best regards, XXXX
04/23/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	FL 32119	Web	Servicemember
Good day. I am writing to make a complaint about SoFi, a lending company based in XXXX XXXX, CA. This company has deceptive practices as well as does not follow the letter of the law with regards to offering financial services, qualifying a borrower and lending based off the provability of the borrower. My journey started when I applied with SoFi for a {$25000.00} personal loan. My application was submitted approximately XXXX10 days ago. I completed and uploaded everything requested from this company. About XXXX7 days later, I called to inquire about the status of my application. At that time, I was told that " no one had looked at it yet and it would be assigned right away. '' Based off the conversation I had with the representative, I did not feel comfortable. At this point, I saw on the site the CEO of the company lists to email him directly with any feedback about the process. I did just that and also listed out my experience in lending and asked, based off what they " advertise '' that they look beyond a few factors I know that would come up. No it is not bad credit ( XXXX score ), it is not BK 's or foreclosures - it is the overuse of credit recently and inquiries. I knew this and reported it to the CEO himself. I was not concerned about my qualifications of the fact I have the availability to repay. After sending this email, someone was finally assigned to my loan. At first, the woman on the phone did not understand my bonus / commission income. I was asked to send my employment contract and that she would " talk to a manger '' to see if they could do it. This morning, I got the call. " XXXX XXXX, you are approved. We worked everything out with your income, we can use it. I just need you to email you XXXX and XXXX XXXX 's. '' They had everything else, they just needed to documentation. Once I uploaded all I had, I received a call back from SoFi. This time XXXX was on the phone. XXXX said, " XXXX XXXX, I am sorry but we are not able to give you a loan. I know we just told you that you are approved, however since we received your email we changed our minds. '' Basically, because I was real and transparent with the CEO, they decided to cancel my loan and say " I do n't qualify. '' When I said, " I guess I should n't have sent that email '' she proceeded to say, " Yeah, you should n't have. '' After this, I received the " you are denied '' email and then I requested the adverse action. In that they list my excessive debt to income ratio. So I went from " you should n't have emailed the CEO to my debt to income is too high '' ALL this after I was told I was approved. As you can see from my email attached, I was very transparent. They pulled my credit, it was a XXXX and my income based off the call I got this morning was " acceptable and you are approved. '' I have been in XXXX 18yrs. I understand things happen. In this instance, there is nothing here for them to deny my loan. They basically are discriminating against me because I emailed the CEO. I do n't want people to get hurt anymore. Shallow promises are not what our country is about. I am a veteran XXXX, I live by honor and commitment. This company has none of these XXXX. I have attached documents for your review. Please feel free to contact me for a personal interview if needed. I would also like to point out, based off the XXXX C 's of lending ( Credit, Collateral and Capacity to repay ), none of these are negative for them to deny my application for credit. They have shown me no proof of such and are in direct violation of the CFPB 's rules about discriminating against a consumer that qualifies for a loan.
01/22/2019	Yes	Student loan Private student loan	Struggling to repay your loan Can't temporarily delay making payments	MI 480XX	Web
I started at University of XXXX in XX/XX/XXXX for a XXXX in XXXX XXXX and successfully put my loan into deferment for three months ( the maximum amount allowed ). Around the time that the three months were up, I submitted another deferment request, because I was still in school. On XX/XX/XXXX the deferment request was denied because it was not within 30 days of the end date of the original deferment. I received the notification on XX/XX/XXXX. I then submitted another request 1 day before the 30 days started because I figured processing with my school would take at least a day. It was denied on XX/XX/XXXX because there were missing dates of enrollment, however, the national student clearinghouse sent the correct forms with the application. I received this notification XX/XX/XXXX. I submitted another deferment request again after the 30 days began and it was denied on XX/XX/XXXX because it was not within the 30 days of the end date of the other deferment. I had submitted it after the 30 days but since it was signed and dated for the day before the 30 days, they denied the request. I received this notice on XX/XX/XXXX. I then submitted the deferment request for the FOURTH TIME. It was denied on XX/XX/XXXX again due to it not providing a program of study. I received this notification on XX/XX/XXXX. By this point it was so close to XXXX so I was unable to get anything done with my school since everyone was gone on break so I had to wait until after office personnel came back at University of XXXX. By this time it was XX/XX/XXXX. At this point, I was in direct contact with one person from the registrars office and she sent the deferment request 4-5 times to Sofi/XXXX by fax and by e-mail. The only record that Sofi/XXXX has of this is XX/XX/XXXX which they took no action and XX/XX/XXXX which they also took no action. I finally got frustrated and asked the registrar lady to just send me the forms directly so I could up load them onto my account homepage. This was against their protocol but she agreed because, I assume, she understood how much trouble this had been for me. I submitted the deferment request again for the FIFTH TIME on XX/XX/XXXX through the Sofi/XXXX website and I made sure to contact Sofi/XXXX when I submitted it to make sure everything was filled out correctly. They assured me that it would and that I would not be penalized for this since my account has been past due since I have been waiting for this deferment to go through. On XX/XX/XXXX they contacted me because my account was past due and that was when they informed me that the dates were not filled out correctly AGAIN. I was forced to pay a month of my loan which I really cant afford right now and now I have to submit this deferment request again. Also, apparently I was given the incorrect information by the previous two Sofi/XXXX personnel who told me that if my deferment request was approved it would retroactively be applied through the month of XXXX. That was not true, thus the reason I had to pay for a month of student loans that I truly can not afford. I am submitting this complaint because Sofi/XXXX have failed to acknowledge my in-school deferment requests. They have created such a burden on me and my school by denying my requests over and over again knowing full well that I am currently in school. I have been prompt with every one of my filings and deferment requests but because of their incompetence, my account is now 37 days past due. I have done everything in my power to get them to accept my deferment requests, but they have utterly failed to perform even the most basic of tasks.
07/13/2022	Yes	Checking or savings account Checking account	Managing an account Banking errors	CA 90043	Web
On XX/XX/XXXX I opened a checking and savings account with Sofi after seeing several banners for a promotion to receive {$300.00} with a new account. The terms required a direct deposit of {$5000.00}. On XX/XX/XXXX I received a direct deposit of {$5000.00}. I met the terms but have not received the {$300.00} bonys. I chatted with a human on XX/XX/XXXX to inquire about the bonus. The representative stated that I did not quailfy for the bonus. I asked where I could send my screenshot of the terms and he said it wasn't possible to email them in. He said he would create a complaint. The rep stated that I am not eligible because I had held a SoFi money account. I did have a money account and I closed it on XX/XX/XXXX. I am attaching a screenshot of my statment and {$0.00} balance from XX/XX/XXXX. I never upgraded my account, I drained the balance to {$0.00} and closed the account. On XX/XX/XXXX I had a promotion on my account to open checking for a {$300.00} bonus. I am attaching the statement showing that it is a new account, with a different account number than my old account. It shows the opening deposit of {$25.00} on XX/XX/XXXX and subsequent deposits. I'm also attaching a screenshot showing all transactions including direct deposit. The tems from the promotion when I applied were : The following describes the terms that apply to participation in the SoFi the SoFi Checking and Savings direct deposit program ( Program ) offered by SoFi Bank, XXXX Member FDIC ( SoFi ). Eligible Participants : All new members who open a SoFi Checking and Savings account during the Promotion Period and all existing SoFi Checkings and Savings customers who have not previously set up Direct Deposit transactions ( Direct Deposit ) into their SoFi Checking and Savings account as of the beginning of the Promotion Period are eligible for the Program. Promotion Period : The Program will be available from XX/XX/XXXX XXXX ET to XX/XX/XXXX XXXX ET. Bonus Terms : In order to qualify for eligibility for a bonus, SoFi must receive at least one Qualifying Direct Deposit from an Eligible Participant during the Promotion Period. Qualifying Direct Deposits are defined as deposits from enrolled members employer, payroll, or benefits provider via ACH deposit. Deposits that are not from an employer ( such as check deposits ; P2P transfers such as from XXXX or XXXX, etc. ; merchant transactions such as from XXXX, XXXX, XXXX, etc. ; and bank ACH transfers not from employers ) do not qualify for this promotion. The amount of the bonus, if any, is described below. No bonuses shall be paid for qualifying Direct Deposits of less than {$1000.00} during the Evaluation Period ( defined below ). Evaluation Period : The bonus amount will vary based on the total amount of Qualifying Direct Deposits received during the Evaluation Period. The Evaluation Period is defined as 30 days from the date your first Qualifying Direct Deposit is received. For example, if you receive $ XXXX {$1900.00} in Qualifying Direct Deposits in the Evaluation Period, you will receive a cash bonus of {$50.00}. A member may only qualify for one bonus tier and will not be eligible for future bonus payments if inflows subsequently increase beyond the Evaluation Period. I am aware that the bonus SUBSEQUENT to my account opening changed to exclude former money account owners, but at the time of my account opening that was in the terms. I will include the screenshots. I would appreciate SoFi paying the {$300.00} bonus that they targeted me for and for which I have met the terns.
10/01/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NJ 07205	Web
Hello Consumer finance team, Thanks for great service I want continue complaint against Sofi money account, number complain XXXX, date XX/XX/XXXX and number complain closed XXXX date XX/XX/XXXX, At date XX/XX/XXXX after I deposit my check stimulus at XX/XX/XXXX money reccred received in my Sofi money account XX/XX/XXXX after this at date XX/XX/XXXX Sofi security team frozen my for problem security without reason, too unable reach them too customer Sofi money unable know or reslove problem then in XX/XX/XXXX I realize Sofi company violated the agreement between us too I don't able resolve problem nobody care, i filled complain about Sofi company hold my account frozen here, too in sunday, I received email my account unfrozen XX/XX/XXXX on date XXXX XXXX have XXXX XXXX XXXX holiday, so I have been praying to God, then in XX/XX/XXXX 4 time again frozen unfrozen account without explain what the problem, the security team treat me as no customer, I realize them pick random customers for abuse as this unable using money own, the checking account using for money own customer by transfer or debit card Sofi money company provide, there zero thing risk company of anything, I feel situation no stable about it, after 4 time frozen and unfrozen my account, they explain, this they don't like my address approved in Sofi money account, in month XX/XX/XXXX, I trying reslove problem with them, I explain them my situation difficult I have problem health pain face chronic and I need take care my mom in XXXX her old XXXX, moment I'm in XXXX too XXXX country lockdown about covid emergency many case, I'm person simple honest, I don't risk anything Sofi money company, Sofi security team make pressure on my own money, without alert anything play games frozen on my account, only after complain to consumer finance, they realize treat wrong, but problem no reslove, they threat me change address us or my account remain frozen until new address, they don't respect agreement between us since XX/XX/XXXX too the team Sofi money name XXXX, XXXX, XXXX no reply me anymore since I coming ask help why my frozen account, no one care I suffer no reason on my own money, I register Sofi money for service debit card world by own my money, I don't have owe anything Sofi, too I don't request anything loan or money no own, they are doing investigations to customers my no first situation, they do this in year XXXX another customer, it's no welcome customers in Sofi money company for feel confidence and trust, they waste money for workers in Sofi for catch hunter customers with game 's of frozen account on own money customers, I dont thought or believe Sofi company could treat as this, as join in Sofi I thought agent XXXX always welcome anytime for reslove problem, I realize my alone too all time new team too new request, no respect customer agreement between us by open Sofi money account, I provide documents as requested by Sofi in month XX/XX/XXXX too security team frozen account without reason too all team by XXXX and XX/XX/XXXX hide away as my no longer customer in Sofi money, As I realize Sofi no respect customer agreement between us too even more worse us on period emergency of covid too instead help to customer feel safe in Sofi money, they make pressure too ruined health of customers, my Sofi account money passed by managers in XX/XX/XXXX too approved, I'm person honest too, I don't deserve treat as this, Sofi money company are banking service virtual no branches no credit, all customers Sofi money only able using own money.
02/04/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	OH 430XX	Web
Step 1 : What is this complaint about? Sofi 's unfair business practices. Their actions support fraudsters instead of impacted hard working and honest customers such as me when someone fraudulently used my identity to obtain a personal loan in the amount of XXXX. 1. I had to make numerous calls to them just to find out if any account was open fraudulently in my name but those calls didn't yield any results. I have proof to backup my claim of a 9 minute call to them ( XXXX ) from my cell phone as early as XX/XX/16. And many more calls but no proper answer and no documents were mailed to my residence. It was only after I disputed the loan account with credit bureaus, the truth in lending act disclosure was sent to me on XX/XX/XXXX for the loan dated XX/XX/XXXX. When challenged, all they had to say was they are a paperless office. Paperless at the cost of a hard working and honest customer such as me? Is this really an acceptable business practice? 2. Unlike any other financial institution I interacted with, this company reps won't connect me to their fraud department when I mentioned about my identity being misused by thieves. On the other hand, their response always was their fraud department don't take calls. And they won't call me as well and I really suspect if there's any fraud department. Is it too much to expect a expedited response to halt illegal activities sooner rather than letting it continue? Is it legal or fair business practice to let illegal activities continue or to support thieves? 3. From my numerous calls, I got bits and pieces of information. One such information was that loan amount was wire transferred to the fraudulently opened account. They won't give me the bank details or account details even after providing all my information that matched their records. I am afraid their actions could land me in more trouble due to thief misusing these funds for illegal activities. What kind of business practice is it to sanction a loan so easily to a fraudster but won't help stop illegal activities? In my last call yesterday, I told them that I will report their unfair and unethical business practices to federal agencies and here I am doing it with the hope of getting these rectified. Step 2 : What type of problem are you having? A personal loan was sanctioned to a thief using my identity but Sofi continues to put obstacles to slow me from stopping further illegal activities. Step 3 : What happened? Late XX/XX/XXXX, I started getting letters from several banks on my credit card applications and loan application s being rejected. Some bank accounts did get opened too. I called each one of these financial institutions to inform them of my identify being misused and also had them shut down such accounts. But, SoFi failed to act in a timely manner and I am afraid this money and related accounts could have been used fraudulently resulting in terrorism or drugs or other illegal activities. This even after I had provided them the police report details to further assist them with their investigation. Step 4 : What company is this complaint about? SoFi Lending Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Step 5 : Who are the people involved? I talked to numerous people but have only name. The name of XXXX XXXX ( servicing manger ) was mentioned in their letter to me dated XX/XX/XXXX. When I asked Sofi rep to connect me to XXXX, their response was that they don't know who it is. Unfortunately, no extension was given but only the common number of ( XXXX ) XXXX
06/17/2018	Yes	Student loan Private student loan	Getting a loan Problem with signing the paperwork	DE 198XX	Web
I began my initial application process with SoFi XX/XX/2017. My existing loan is a federal consolidation loan with XXXX XXXX. I applied with my father, a partially retired XXXX as my co-signer, as recommended by SoFi for help in approving a lower interest rate quoted initially at 4.95 %. The following documents were requested initially : recent pay stubs from employer, current loan billing statements, XXXX, and copies of personal identification documents. The process then became unwieldy with incessant requests for more documentation. One of the first requests was for my co-signer to upload his last 6 months of bank statements as his recent retirement made his last pay stub unreliable to reflect his income. My co-signer and I were under the impression this would suffice to complete the application. Then again, I received another notification for additional documentation including my co-signers XXXX and statement of retirement income. And yet again, this did not suffice. My father and I began reaching out to customer service and spoke with various specialists assuring us that all that was needed was just a one more document. There was only one email early on in the application process which outlined the requested documentation ( see attached ). After this, there was no instruction about which documents were needed but rather I had to navigate through my account online and deduce which sections were missing an attached document. This resulted in time consuming calls to customer serve and with equivocal recommendations. Eventually my application expired for incompleteness despite reassurance from an account specialist that application would not expire if I was actively working on completing the upload of additional documentation requested. I decided to re-apply and had to start the whole process over and a host of new documents were requested including new pay stubs, XXXX documents from co-signer, a new drivers license photo with better resolution, IRA statements, 401K information, deferred income statement from co-signer and co-signer tax returns from last 2 years. We thought we were finally complete with the new application when a request for both my co-signer and myself to contact our employers and have them complete these eight requests : name, job title, date of hire, confirmation of pay frequency, confirmation of salary, confirmation that the employee is employed, confirmation of job status, and validation of work contract ( see attached ). At this point I was fed up with the charade of requested documentation and the fact SoFi, a reputable name in the student loan refinance industry, would request my employer to get involved with my personal debts. This was an absurd request and it was very odd that this was not brought up at the beginning of the application process. I therefore requested to close my application and requested to talk with account specialist to ensure all my documentation was destroyed as SoFi had in their possession numerous private financial information. Given SoFis history of poor customer service, I was not surprised when I reached out to SoFi customer service and was told that all escalation specialists were busy but that one would return my call. I never received a call. I am extremely disappointed with the cumbersome nature of the SoFi application process and hope I can save others from this frustration. Furthermore, SoFi needs to be investigated for their inability to properly and truthfully explain the application for student loan refinancing.
03/28/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 92694	Web
Here is the letter I sent to Sofi, where they refused to fix my issue. I was treated unfairly and lied to by Sofi. They promised me twice that I would not have a 30 day derogatory on my credit report and they will not lift the 30 day late. I do not have any denial letter from them as they have not provided me anything in writing. I have tried desperately to ensure that my credit was not " dinged '' and called Sofi IMMEDIATELY to keep my payments current and on time. Sofi refuses to fix the problem they advised me they would fix and lied to me. I am now seeking the help of the Federal Government to help me as the institution will not. Hello XXXX - Needless to say this has now wound up with you. I will be contacting the CFPB if I do not receive a satisfactory response from someone at your firm with regards to my credit being corrected. Here is my story. In XX/XX/XXXX, I called to advise you of a payment that would bounce on my account. I had received notice on my side but on your side it did not show yet. I wanted to make a payment as soon as possible in order to avoid a 30 day late. I made my payment over the phone as promised. When I called to make this payment, the associate said that if I made the payment that day I would avoid any kind of 30 day late ( you can pull the call recording ). Last week I pulled a copy of my credit report and noticed that my credit was reflecting a 30 day late. I was told that this would not happen, so I immediately called you all. I spoke with a man ( unfortunately I did not get his name ) who advised me that the issue would be resolved and that my credit would be fixed so as to not have a 30 day late on my credit report. He advised me that he would send me an email advising me of the correction. Since then, I have not received an email or phone call of any resolution from Sofi. I then decided to email you all for status. The first email I received from XXXX told me to contact XXXX. Dead end. Ironially - I did file a dispute with all XXXX credit bureaus who advised me that the error would not be corrected. The second email I received from XXXX stated that they were unable to locate my account and to email from the email address on file, which I then did for my 3rd email. The email I received from XXXX stated that the record was " true '' and that I could call you to discuss. I called yesterday to follow up and was on hold for about 20 minutes before I was disconnected. I called back and asked for a return call and the associate called but did not leave a message. Today I called and was on hold for another 20 minutes before the associate advised me that they did not have anyone available ( for another 20 minutes ) and that they would call me back. Needless to say this is an absolute headache. All I want is my credit fixed as promised. It appears no one wants to read notes to abide by what was promised to me. I made my payments on time and have done my part to always ensure that I am in good standing with you. I wish I could just get that in return. Again, next stop will be CFPB if the response I receive is insufficient. The funny part about all this is that I was initially very impressed with your customer service. My husband and I are starting to shop around for a 1st mortgage and I considered contacting you all. After this experience, I will not be doing that. XXXX XXXX
01/21/2018	Yes	Student loan Private student loan	Getting a loan Confusing or misleading advertising	FL 33458	Web	Servicemember
About nine months ago I applied for a student loan consolidation with SoFi for approximately {$47000.00}. During the application process, I made it clear that I was under review by the Veterans Affairs for a XXXX XXXX. I specifically asked several times how my XXXX status from the Veterans Affairs would affect my loan and application. I also asked if it could be counted as income because I expected to be assessed at XXXX XXXX. Every time I asked him about my XXXX status, he changed the subject or reminded me that the longer I waited, the higher my rate would be. He kept saying it was a standard agreement. I was never once warned of the rights I was about to give up by turning my Federal Student Loan over to SoFi as a XXXX veteran. That should have been an immediate red flag for the representative to make me aware of that fact. They did, however, threaten me with an increased rate if I didnt make a decision quickly. I felt pressured and rushed to give them an answer. I was told about a month after signing the contract, as expected, I was assessed for XXXX XXXX XXXX XXXX by the XXXX XXXX. I am a XXXX XXXX XXXX, but now SoFi states that I have given up my rights to student loan forgiveness. After I received XXXX XXXX XXXX in XXXX, I called SoFi to inquire about the process on how to apply for federal student loan forgiveness, they told me that I was ineligible. After several phone calls and denials, I reported them to the Better Business Bureau in XX/XX/XXXX. SoFi replied with this statement : The applicant applied for a Student Loan Refinance on XX/XX/XXXX, all necessary underwriting was completed by XX/XX/XXXX. SoFi placed a call to the applicant on XX/XX/XXXX advising his loan acceptance packet was ready to sign. When SoFi makes an outbound call to advise a loan is available to sign, the SoFi representative encourages the Applicant to review the document before signing. In section 3.C of the Loan Acceptance Document, the loss of loan forgiveness benefits is outlined. It identifies specific individuals as follows borrowers pursuing careers in Public Service, Teaching and/or the Armed Forces. As a private lending corporation, SoFi does not participate in Federal Loan Forgiveness programs. They used the portion of the contract that stated borrowers pursuing careers in Public Service, Teaching and/or the Armed Forces. This did n't pertain to me because it pertains to someone " pursuing '' these professions. I completed my service to my country over 10 years before I applied for this refinancing and did n't plan to pursue careers in Public Service, Teaching and/or the Armed Forces in the future. I now know why they used scare tactics and rushed me to sign. It is their practice to intice Veterans with low-interest rates and deny us of our rights once the contract is signed. They hide behind contract verbiage that does n't pertain to Veterans whose service was honorably completed several years before applying for this loan. If I was not deceived and threatened by the salesman with losing the loan, I would have waited the 3 months that it took to get my decision from Veterans Affairs. I did not have any reason to rush refinancing my loan. As shown in the documentation attached you can see that my XXXX XXXX XXXX rating effective date was backdated to XX/XX/XXXX. This date is 4 months prior to applying for this loan.
06/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PR 00949	Web
I decided to include XXXX XXXX XXXX XXXX, because their previous pre approval denials to myself are for the same unfair reasons included here in this complaint, as well as on my more than 40 complaints filed against XXXX and XXXX XXXX, as well as the unthinkable, XXXX XXXX, who granted me a loan that I evidenced to them it was to fully update the XXXX loan, then they bought XXXX division here in XXXX XXXX for {$1.00} XXXX, and decided not to recognize the verifiable evidence showing they granted me the loan, it was used exactly for the purpose I informed to them XXXX in XX/XX/XXXX, and that loan as well as the updated one at XXXX were both paid as agreed since years ago. I am including evidence about why I can't re apply for pre approval at XXXX XXXX XXXX, their division, no matter their emails keep arriving constantly to my XXXX account recently. Do not know if XXXX XXXX considers this evidence. It was sent through here so it can arrive faster, and for them to see, if they assign a person not a machine to evaluate, that the Fair Credit Reporting Act violations are allowed, as well as Fair Debt Collection Practices Act violations, and nobody does anything about it : SoFi XXXX does not provide a space under their pre approval form with no penalty to credit score that I submitted today XX/XX/XXXX, and was denied because as shown in their online provided document, a serious delinquency appears, no matter the evidence I included even up to the Supreme Court shows all that is false, but no matter, no one did anything at any level, credit bureaus, the same Banks XXXX and XXXX XXXX, I have to say also the C.F.P.B., which has resources to face this Banks better at the Federal Courts when there are violations to the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I ask SoFi to put someone, not a machine, to evaluate all this evidence : A summary could be this : Have you ever heard of 2 main banks presenting themselves as a collection agency at the 3 credit bureaus? Have you ever heard of 2 accounts paid only and directly to the original bank, been reported as failed to pay, loss, and on a collection agency, when all that is false? Have you ever heard on main bank reporting a certified payment agreement for a credit card with them, paid directly to them, to the original account number, never to a collection agency, and paid successfully as agreed for 48 months as the agreement has in writing, being reported as failed to pay, loss, collection, and even as of today, a credit report it still has remaining balance, after more extinguishing all procedures, starting with the same Bank, then the credit bureaus, then the CFPB, and then the 3 Federal Courts, but no one did anything? Have you ever heard of a main bank prohibiting a client to continue to pay a personal loan after it was fully updated directly with the same Bank, never to a collection agency, after years it was fully updated and paid as agreed for years after updated, in order to keep reporting without never updating the credit report it was a loss and under collection no matter it is false? All this and more was taken as a last resource to the Supreme Court of the U.S. as well as the F.B.I. Corruption Division where frauds by Banks are also investigated, but nothing is happening : Only the pre approval denial like yours at SoFi continue.
10/15/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 816XX	Web
We refinanced our primary residence mortgage with SoFi. We signed the closing documents on XXXX, on XXXX SoFi failed to payoff the amount due to our previous lender. After much communication with SoFi and the escrow agent XXXX XXXX, SoFi made the payoff to our previous lender on XXXX. SoFi apparently did not close on the loan until XXXX. We have still not recieved our excess escrow funds or an executed copy of our closing documents. On approximately XXXX, we received our first periodic mortgage statement from SoFi dated XXXX with the total amount due and a payment due date of XXXX. Our closing documents included a first payment notice that had an estimated amount due on XXXX. Since the due date of the periodic statement did not match the due date on the estimated first payment we logged into the SoFi system which reflected a due date of XXXX. On XXXX we received an automated call from SoFi stating that we are delinquent on our mortgage payment. I immediately contacted SoFi and explained the only periodic mortgage stated a initial due date of XXXX. On XXXX @ XXXX, XXXX ( # XXXX ) said this was SoFi 's mistake and I would receive a call from SoFi by end of business on XXXX to correct this. I received no call. I called again and on XXXX @ XXXX, XXXX ( # XXXX ) estimated resolution by XXXX, and at my request transferred me to a supervisor. On XXXX @ XXXX, XXXX XXXX ( # XXXX ) told me the loan overview on SoFi 's online system would be update to show the first payment was due XXXX by no later than XXXX and I would receive a call from SoFi by end of business on XXXX confirming the correction. I received no call. On XXXX & XXXX, I checked SoFi 's website and confirmed SoFi did not change in the first payment due date. On XXXX at XXXX, I spoke with XXXX ( # XXXX ) who reviewed the file and tried to reach XXXX XXXX . Without notice, I was transfered to an unnamed voicemail (XXXX ). I left a voicemail at XXXX detailing the issue. After leaving the voicemail, the system hung up on me. I called back the customer service line at XXXX, after waiting 38 minutes, I was transfered to an unnamed voicemail ( XXXX ), but was informed that the voicemail was full and the system hung up on me. On XXXX @ XXXX, I requested assistance through the SoFi website chat feature. I was chatting with XXXX XXXX, but the system disconnected me when I tried to attach a copy of the periodic statement indicating first payment due XXXX, I then chatted with XXXX and XXXX, neither of whom resolved the issue. On XXXX @ XXXX, I requested assistance through the SoFi website chat feature. I chatted with XXXX XXXX XXXX. He advised me that his supervisor said my first payment was due XXXX and SoFi intended to alter the periodic mortgage statement online to now reflect a due date of XXXX and if I paid today then there would be no fee. On XXXX @ XXXX, I paid the full amount alleged to be due on XXXX to ensure I was not delinquent on my loan and subject to a fee. This appears to be a bait and switch by SoFi to subject new mortgagees to fees by providing notice of a date due then changing the date due to an earlier date without notifying the consumer so they miss a payment and are subject to fines. Additionally, SoFi appears to work with an escrow company to improperly withhold excess escrow funds and not timely payoff existing mortgages.
06/02/2020	Yes	Student loan Private student loan	Getting a loan Problem with the interest rate	NC 27707	Web
I submitted an application for a student loan refinance. Despite the fact that I have excellent credit and a steady income, repeated outreach to SoFi to confirm my application was complete, and multiple assurances from SoFi that my application was under review, SoFi allowed my application to expire without approving it and required me to reapply for a loan at which point the rate SoFi offered went up. This omission on SoFi 's part will cost me several XXXX dollars over the life of my loan. I have asked the company to adjust my rate given the error on their end and they have refused. The initial rate I received for my student loan refinance was 3.35 % after a .25 % auto-pay discount, and this rate was good until XX/XX/2020. In early XXXX, I received a communication from SoFi that they needed me to upload a more recent paystub, which I promptly did. Over the course of the month of XXXX, I reached out at least 3 times to SoFi via phone and by using the customer service chat feature on the SoFi website. Each time, I asked the SoFi representative whether more information was needed for my application and I asked them to provide a status update on my application. Each time, I was told that there was no additional information needed and my application was in a state of final review. I was told that applications typically turn around in a matter of days when income is straightforward ( my income is very straightforward ; I am employed full time as an XXXX at a XXXX XXXX company and do not receive any other income ). On XX/XX/XXXX, I received an email from SoFi stating that my application had been denied. It also stated that SoFi ran my credit and that the credit report showed my credit score as XXXX. Given that I have excellent credit and a steady income, I was shocked to learn my application had been denied. I reached out to SoFi on XX/XX/XXXX to request a statement of the specific reasons of the denial. In that conversation, I was told that my application was not denied, in fact the application had expired. I asked to speak with an account specialist, with whom I shared the facts of my case : I applied and was quoted a rate of 3.35 %, I finalized my application and submitted all the necessary information, and followed up at least 3 times with SoFi to confirm they had everything needed. I asked the account specialist to reopen my application. The account specialist told me that he could not reopen my application, and directed me to submit a new application, which I did. The new application came back with a rate of 3.49 % after the .25 % autopay discount. I requested contacted the account specialist again via email to request a rate adjustment since the rate I was quoted on XX/XX/XXXX was .14 % higher than the rate I was moving forward with earlier in XXXX ; he told me that they would not be able to adjust my rate. The amount of the loan I am seeking to refinance is a little over {$70000.00}, so this interest rate adjustment will cost me several XXXX dollars over the life of the loan. I would like the CFPB to investigate this issue. I believe it is unfair that the company let my application expire despite repeated outreach from me, and they required me to reapply at which point I got a higher rate which has a financial impact on me. Thank you.
04/12/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 78747	Web
I began the process to refinance my home in early XXXX. After shopping several lenders, I chose to proceed with SoFi, as they had quoted me a 15 year mortgage at 2.25 %. I discussed this with the loan officer XXXX XXXX and he verbally told me that the 2.25 % was locked for 60 days. Shortly after this, Texas experienced a severe ice storm and I was without power and reliable access to email for almost a week. The two weeks immediately following this were extremely busy for me as I am an engineer in the power industry. When I resumed working on my loan application in early XXXX I was told that my loan application had been withdrawn for failure to provide a W2 and recent pay stubs. I never received these requests, and when I searched my inbox I found that XXXX had quarantined them as suspicious, since they were sent using a 3rd party application and were flagged as likely phishing attempts. Mr. XXXX then explained that I was not locked at 2.25 % as he had led me to believe. He then created a new loan at 2.625 %, half a percentage point higher than previous. I was unhappy, but this was still a lower rate than my current mortgage so I continued with the application. Mr. XXXX XXXX began handling most of the paperwork from this point on. Some of the issues with Mr . XXXX include : - Providing me the wrong email address to request a payoff quote from my current lender. This delayed the application by nearly a week, since he did not respond for several days when I informed him of the bounce. He then wanted me to call in and sit on hold during a very busy workday to expedite the payoff request. -One version of the disclosure form had the wrong school district and county listed for the escrow account. I raised this concern several times beginning in early XXXX and still have not received acknowledgement of this error. -For the employment verification, I clearly explained that my local work address is just a field office and that the HR department is located in another state. I provided the phone number for HR. Instead, Mr . XXXX performed a XXXX search and called the number listed for my local field office. This led him to speak to a salesperson, whom he proceeded to ask several personal questions about my income, job performance, bonus pay, etc. This was a gross violation of my privacy. The salesperson to whom he spoke is a subordinate of mine. My salesperson asked Mr . XXXX to instead contact HR, but Mr . XXXX was insistent and went on to discuss personal details of my finances with someone who works under me. -Upon confronting Mr . XXXX about the violation of my privacy during the improper phone call to my salesperson, Mr XXXX XXXX accused my salesperson of lying to me about what was said in the call, despite the completed questionnaire showing the answers to these exact questions as filled out by Mr XXXX XXXX. Finally, today Mr . XXXX provided me with the details of the final closing, which has already been delayed. The interest rate quoted is now a FULL PERCENTAGE POINT higher at 3.625 %. This is equal to my current mortgage. I strongly suspect that much of the incompetence I experienced was designed to delay the loan process so that the 60 day rate lock expired and enabled SoFi to raise my rate significantly at the last minute.
06/22/2022	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	IL 60046	Web
I opened a SOFI checking account on XX/XX/22 to take advantage of the {$300.00} account opening bonus for completing a direct deposit of $ XXXX. The first $ XXXX direct deposit occurred on XX/XX/22 and per the terms and conditions the {$300.00} bonus would be paid out within 14 business days or XX/XX/22. As of XX/XX/22, the bonus had yet to be paid out. Additionally, SOFI was having a subsequent account referral bonus promotion occurring where if a family member or friend opened a SOFI checking account and deposited at least {$10.00} within 5 days, they would receive a {$25.00} bonus and the person who referred the new account owner would receive {$50.00} within 10 business days. I emailed my wife my referral link on XX/XX/22 and she opened her account the same day using my referral link and deposited {$10.00} into the new account. As of XX/XX/22, no referral bonuses have been received by the account holders. On XX/XX/22, I emailed SOFI customer service to inquire about all 3 bonuses and I received a response stating the {$300.00} bonus would be paid within 2 weeks and there was no record of a referral link being used. I responded to SOFI 's response but never received a response. I sent a follow-up email to SOFI on XX/XX/22 and as of XX/XX/22 have not received a response. I called SOFI customer service on XX/XX/22 to check the status of all 3 bonuses at XXXX XXXX CT, and an exception request was submitted for the {$300.00} bonus after the customer service agent stated that sometimes SOFI 's waits 30 days to send the bonus even though their Terms and Conditions state it will be paid within 14 business days. After rectifying the {$300.00} bonus, I inquired about the referral bonus status. I was again told there is no record of my referral link being used even though I have a record of emailing my link to my wife and watching her open the account with my referral link. After I explained this to the SOFI customer service representative, she stated that SOFI recently went through a system update to fix a " glitch or a bug '' in the system so the referral links would now work and their systems would recognize when the referral links are being used. She also stated it is likely the known bug existed when I sent the referral link to my wife and other customers experienced this issue. When I explained my UDAAP concerns and asked to open a formal complaint, I requested my call be escalated to a manager. I was transferred to a XXXX XXXX who stated this was a known issue and he received similar complaints from customers, but there was nothing he could do per the Terms and Conditions. I asked to escalate to another manager, but he said there was no one else to escalate to. I finished my call at XXXX XXXX CT after explaining I would file a complaint with the CFPB. My concern is that this is a known issue with SOFI and their are using deceptive acts to have customers open accounts and are not meeting the terms of the referral bonus because of a bug in their systems. Their Terms and Conditions should be considered null and void after I met the conditions of the referral bonus but their system glitch prevents SOFI from recognizing the referral link was used. I look forward to a resolution or participation in any class action lawsuit.
08/13/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 33309	Web
I received a letter in the mail from XXXX XXXX stating that I was pre-approved for a personal loan that can help me consolidate my credit. I then called them and initiated the process of getting a loan. They directed me to the SoFi website and said that they would be the best option for loan and told me to go ahead and complete the process of applying. I did not know that the person I was talking to was not associated or had a partnership with SoFi so I thought it was all normal. The entire process took a lot of documentation to complete and I was working with an underwriter names XXXX that at first was very helpful. Towards the end of the process of getting approved and submitting the final documents I asked XXXX if the company that led me to them had to be paid their fee or if there was a way to avoid that. My questions was due to them not helping at all in the approval and documentation portion. To my surprise she had no idea there was another company involved and told me that we'd have to create a new account separate from the one that was pretty much approved. When I created another account it pulled my credit score again and declined my application ( They are supposed to use the same report for 60 days if I am not mistaken ). When that happened XXXX said she would talk to her supervisor and see if they can override that decision since I was already in the process of being approved and all documents looked good. She said she would get back to me and let me know. She never did and I had to call her for a decision. She told me that there was nothing they could do and the original account that was approved was now auto-declined as fraud!!! I was completely caught off guard and upset that I was being penalized for being honest and for not knowing that the people I first talked to were not working with SoFi. I then called the gentleman from XXXX XXXX to tell him what happened and that we were no longer working together. He explained that he has no way of intercepting funds, and that our agreement was under a power of attorney and his fee would only be due after I had received the money. Completely separate. I told him I still did not want to continue to work with them and the said that would not be a problem. I called XXXX to explain that I no longer had any obligations with them and that if there was any way we can plead to her superiors to use my original credit report for the new account or to open a new application. She said she would check with them and let me know ASAP. A week went by and no word from XXXX. I then called today to see if I can get an update and now conveniently it is against their policy to transfer me to speak to XXXX and they able to put in a call back request but can not guarantee that it will be XXXX to call me back. I had been working with XXXX the entire time and had no issue speaking to her and she left me multiple messages to call her back before the incident and again no issues reaching her. Now that I am auto declined for something that is not my fault she is conveniently either no there or against their policy for me to speak to her. This leads me to believe that XXXX is avoiding me rather than helping me fix this issue. Horrible
06/06/2022	Yes	Student loan Private student loan	Getting a loan Problem with the interest rate	MD 20901	Web
On XX/XX/2022, I applied for a XXXX XXXX XXXX ( # XXXX ) with Sofi for {$90000.00}, which initiated a hard inquiry. The stated rate at this point was 3.695 %. At that point, I was prompted for additional information, which I was not immediately able to provide. Prior to the 30-day window ending, I called Sofi in XX/XX/2022 to inquire about my application 's deadline. At that point, a service representative told me not to worry ; she stated that I had until XX/XX/2022 to submit the requested information, which would keep my offer valid. Fast forward to the week of XX/XX/2022, and I submitted all of the requested information to complete my loan. This included my submission of paystubs, an income statement, and information pertaining to the loans I wished to refinance. Upon submission, I was prompted for a second hard inquiry, which caught me by surprise. As a result, I called Sofi 's customer service once more. During this phone call, another Sofi representative told me that my original credit inquiry needed to be updated, since 30 days had lapsed. I informed him about the previous phone call I had, but he insisted that a second credit pull was unavoidable. He did, however, assure me that Sofi would honor the original rate of 3.695 %, despite a second hard inquiry credit pull. As a result, I pulled credit. Shortly thereafter, I noticed that my offer changed on my Sofi portal. The new offer was for {$66000.00} at 5.465 %. This irked me, since I had recently checked my credit score from all three credit bureaus and saw that my scores had not changed from my previous credit score in XX/XX/2022. The new rate was also nearly two percentage points higher, which was not in line with with the previous representatives statement that " Sofi would honor the original offer. '' This prompted yet another phone call to Sofi on XX/XX/2022. After communicating the above events, waiting for nearly an hour, and speaking with a manager, I was told that even though Sofi acknowledged that I had received " miscommunication '' from its representatives, there was nothing Sofi could do to honor the original offer that I received. Frankly, I was told that I have to go forward with the new offer or take nothing. Additionally, Sofi could offer me no assurances that the hard credit inquiries I was hit with could be retracted. It truly felt like a bait and switch scheme. I want to express that I am very concerned with the above events. Altogether, I acted on information and assurances provided to me by Sofi representatives, and- in the end - I was penalized for it. Not only was I misinformed by the offer that was populating on my Sofi portal, but I was also misinformed by two unique Sofi service representatives at different points in time ; both led me to believe that I had ample time to finish providing additional information and that my original offer was still valid. In the end, I ended up with nothing but two hard inquiries that will ding my credit score, student loan debt at my existing rate, and a terrible consumer experience. What Sofi has done should not be legal. It it very unethical, and such practices negatively impact the financial well-being of consumers everywhere.
03/29/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75604	Web
My experience with XXXX Mortgage XXXX has been the worst experience with a mortgage company to date. I was lied to on multiple occasions and now I learn I was lied to in the most foul way that could cost my family {$30000.00}. The origination process with Sofi Mortgage was easy but starting early in the process I had many misgivings about extra fees but went through with the process. Once the time came to process the loan I went through multiple " member specialists. '' They did not complete tasks they said they would, did not follow up in a timely manner and outright lied about stipulations of the loan. We ended up having to bring more money than expected to closing. During the time of acquiring the loan I let it be known that my husband and I were in dealings with the State and would be negotiating the price of a portion of our land for the road widening happening in front of our home. I was told that our loan would have no issues with our dealings with the State and they did not conflict with each other as long as our loan was in good standing. After initially being told our loan would close in early XXXX, the loan did not fund until XXXX due to issues with Sofi. Currently, my husband and I have made an agreement with the State of Texas for a portion of our property to be bought for road expansion. The last needed document for the transaction to close is a partial release from Sofi. I contacted Sofi for this document who then sent me an email address to request the form from. I received a denial letter a week later stating that it was due to our loan not being seasoned for 12 months. I then contacted the Partial Release Department and learned that that part of Sofi is actually serviced by XXXX. I was advised that I could ask for an exception for the partial release from XXXX XXXX. I THEN had to contact XXXX XXXX and asked what needed to happen in order to request the exception for the partial release. I was then referred back to the " servicer '' in order for a Form 236 to be filled out. Once I contacted Cenlar back in regards to this form I was told that they could help with this request but the form would need to be filled out, I would have to acquire appraisals and a lot of other tasks that would be forwarded to me. I am beside myself to put this plainly. We trusted a company to help us get the best mortgage possible for our family and it has turned into one issue after another since XXXX of last year. I have raised my concerns with Sofi through the mortgage process and I simply given an " I'm sorry '' and we will get this fixed to which the issues were never fixed. I feel like this loan was predatory in nature. My husband and I are hard, honest workers. We work hard for the home we have. We pay our mortgage and take care of our responsibilities but I feel like we have been trampled all over by Sofi Lending. Had I known the truth and knew that not having a loan for 12 months would make this process with the State come to a head then I would not have signed the loan agreements. If we do not get a partial release then we can run the possibility of eminent domain proceedings starting and our land being taken by the State.
05/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WV 253XX	Web
XX/XX/XXXX Once again complete lack of response from XXXX On XX/XX/XXXX I received a notification from the CFPB regarding complaint ID XXXX indicating that the complaint lists someone the company does not recognize as their customer or their customers authorized representative and XXXX requested my authorization to investigate. My authorization was promptly given via the CFPB website. Since, I have received no response from XXXX regarding this investigation. In my dealings with XXXX they have exhibited a history of evasiveness, stonewalling and complete lack of response, including not responding to multiple inquiries of the WV State Attorney General as well as refusing multiple requests to send my complete file as required by section 609 of the FCRA. Specifically but not limited to I want to see the entire history of inquiries with end users especially after the excessive activity of SOFI Financial. And to make matters worse, in XXXX of XXXX I received suspicious emails that appear to be from both XXXX XXXX XXXX and XXXX XXXX indicating a security breach and that these accounts would be closed if I didnt respond. The thing is these accounts were closed over ten years ago. My question is, has XXXX or SOFI ever provided my information to employees of XXXX XXXX XXXX, XXXX XXXX or any other financial institution? Furthermore, the response from SOFI on XX/XX/XXXX is total nonsense. Though they are unable to locate an account for me they have accessed my data 30 times as indicated by the XXXX online reports. XXXX says they have only done 3 soft pulls over this time period and want me to contact XXXX regarding these inquiries. But SOFI says, according to our records, we have sent 27 mailers to your address I have never once received a mailer from SOFI or meet their client profile. Considering the evasiveness, lack of response, excessive and clear irregularities, I need some answers from both XXXX and SOFI. If I dont receive within 15 days answers to these questions I will make certain that this file crosses the desk of the Enforcement Division of the Consumer Financial Protection Bureau and if that is not good enough we will move the FTC. XXXX I want my complete file which is my right under FCRA Section 609, as of the effective date of the last complaint and as the section requires Identification of each person ( including each end-user Second, have you provided my information to anyone employed at XXXX XXXX XXXX, XXXX XXXX or any other financial institution not listed on my online report? If so what was their legitimate purpose in accessing my financial data? SOFI, since you have such historical detail regarding accessing my XXXX data, and considering XXXX does not want to fulfill their obligation, tell me how you got my social security number, and when did you start sending me mailers and accessing my data? Lastly, have you provided my information to anyone employed at XXXX XXXX XXXX, XXXX XXXX or any other financial institution? I look forward to your response. My identification is attached,
11/09/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	IL 612XX	Web
We applied to re-finance my wife 's student loans with me as a cosigner, because she is unemployed. SoFi requested employment verification. For employment verification, my employer sends a password protected PDF to the entity, and sends me the password for the PDF. It is my responsibility to provide that password to the entity. I requested through my employer on XXXX/XXXX/16 that they send employment verification to " XXXXXXXXXXXX ''. I received the password from my employer and sent it to SoFi at XXXX XXXX, XXXX/XXXX/16. On Tuesday, XXXX/XXXX/16, I received word from SoFi that the employment verification was only good for a short period of time in their system, and they requested a new employment verification. I again requested employment verification from my employer be sent to " XXXXXXXXXXXX ''. I received the password and sent the password to SoFi at XXXX XXXX, on XXXX/XXXX/16. I called SoFi after sending the password to confirm they had received both the verification document and the password. The phone representative allegedly spoke with the Reviewer for our application, and they confirmed they had both the document and the password. About XXXX CDT, on XXXX/XXXX/16, I checked the SoFi online portal, and it still showed my employment verification was missing. It had an option in the portal to upload an employment verification document. In the interest of thoroughness and redundancy, I requested a third employment verification from my employer, but this time I requested the document be sent directly to me. I received the document and the password, un-encrypted the document, and re-saved it. I then uploaded the un-encrypted document to the SoFi portal about XXXX XXXX, on XXXX/XXXX/16. Since that time, SoFi apparently has no record of receiving the previous two employment verification documents directly from my employer, nor a record of the SoFi employee I spoke with who verified the second employment verification. They have stated the document I provided is not sufficient because it did not come from my employer, and have requested yet another employment verification from my employer. Seeing as I have had my employer send two previous employment verification documents directly to them, I have refused to have my employer send them an employment verification a third time. SoFi 's lack of record-keeping and document accountability is alarming to me. I have provided them a lot of personally identifiable information ( PII ). How secure is the rest of that information if they ca n't locate the previous two employment verification documents my employer sent them? I suspect there must be a standard financial institutions are required to adhere to in maintaining customer 's PII. I am concerned that SoFi does not have a practice of adhering to those standards. We have withdrawn our application from SoFi due to their poor record-keeping practices and insistence that I have my employer send them a third employment verification, but felt it prudent to file a complaint in the interest of all of their clients PII.
08/01/2019	Yes	Student loan Private student loan	Struggling to repay your loan Problem lowering your monthly payments	VT 054XX	Web
I have been struggling to pay my private student loan bill and had to file a series of forbearances in order to not have my account be late/default on my loan. I called about 2 weeks ago and spoke to a customer service manager that an option for me to lower my payment would be to refinance the loan with SOFI, which would lower my interest and therefore lower my monthly payment amount. I applied for a refinance while I was waiting for a forbearance application to be reviewed and approved. The amount I was quoted with the refinance application was under {$700.00}, which would allow me to make my full monthly payment and not have to apply for forbearances. However, the application was 'stalled ' because when I connected my XXXX account to my Sofi application, an communication error between XXXX and SOfi occurred. on XX/XX/XXXX, I called SOFI and was told to call XXXX and ask that they updated their files. I debated why I should have to call XXXX when the issue was between Sofi and XXXX - I had provided all documentation and information requested of me. In the interest of time, I tried to submit the student loan documentation they were requesting manually, but it would not upload to my application. I therefore emailed SOFI directly with the information/documentation. A few hours later, I received a denial of my application - even though I was 1. told to apply, 2. pre-approved, and 3. have a very high credit score, good income, and no delinquencies on my credit report. In follow up emails, SOFI explained the reason was because I had not provided documentation of my income and that I had I had a bad internal credit score with SOFI due to my use of forbearances. I had provided documentation of my income, and I'm receiving a 3 % raise in XX/XX/XXXX. Also, these forbearances were approved by SOFI and I was never told that use of necessary forbearances would impact my ability to refinance in the future. Nor was this mentioned as a potential barrier when I was told to apply for a refinance of my loans. I'm stuck between a rock and a hard place. I'm trying to do what is responsible and necessary in order to not go into default with my private student loans. I asked for guidance on what to do to lower my payment and was told to refinance by SOFI, was preapproved, and provided all necessary documentation/information for my application. By denying my application, SOFI has essentially removed the only mechanism I have to lower my monthly payment amount. This is not being customer friendly or helpful to someone with a high student loan debt burden. SOFI is forcing me to go into default with my student loans. I DO NOT HAVE A CO-SIGNER nor a potential Co-signer, so do not offer this as a suggestion. I should not need a co-signer with a nearly 800 credit score making over {$80000.00} ; I was able to take out a mortgage for double the amount of what I owe in private student loans on my own, without a co-signer, when I had less income and a lower credit score.
11/01/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 92707	Web
MY MAILBOX SYSTEM HAD ALOT OF POSTAL ISSUES AND I ALREADY CALLED AND SPOKE TO POSTAL MASTER OF MISSING ULTILTY BILLS.I recieved email last week from XXXX about possible data breach from 2014. And to contact all credit reporting agencies. SoFi account is not mine. I HAD PULLED MY CREDIT REPORT, WHICH I DO EVERY 6 MONTHS.I WORK MANY HOURS FOR THE GOVERNMENT. I ALSO WROTE THE XXXX OFFICE AND FTC IN RESPONSE. I have no knowledge of it, no legal obligation for it and no information as to its origin. There is NO police REPORT or fraud AFFIDAVIT possible and no information or documentation in my possession in regard to the data contained in the tradeline CREDIT REPORT. I got this bill and I just want to verify, validate that this bill is something that I owe. '' You know in these times of all this identity theft online and so on, this is just reasonable, good book keeping, okay? You sent me this? That does n't mean I owe it. I just want you to prove that I owe this bill. That 's all I 'm doing. I 'm not being confrontational. I just want you to prove it the way the law says you have to prove it. I sent you a letter asking you to send me the correct documentation within 30 days that validates the debt. That 's the rule, that if I owe this bill. Here 's the issue. For any debt by a lending institution, you can not send me the information that I do in fact owe you. You ca n't send it to me because you do n't have it, okay? I got some bill in the mail, and there is something on my credit report. That 's kind of like a bill because it 's saying on my credit report there 's this derogatory account. In other words, a derogatory account or any listing of a tradeline account active is that someone 's saying I owe this bill and you have n't paid us yet. So whether it 's a bill that comes in the mail or something on my credit report that 's negative, that 's another kind of a bill, all I am doing in now is basically this. I am asking you for the accounting records of this trade. The accounting records will show, legally, I gave you a promissory note and you gave me Federal Reserve notes. There was a debit entry into the accounting. There was a credit entry into the accounting. They cancelled each other out, debit for credit, credit for debit. The transaction was complete when the notes were traded. I do not owe you a penny. Your accounting records prove it. All I 'm asking for is that proof : " Could you show me your accounting records and that contract, the wet ink signature contract, or a copy of the contract that is affidavited? '' What does that mean, affidavited? In other words, somebody has to make a copy, then sign at the bottom, I made this copy and their signature is notarized. All I 'm asking is, " Please show me I how I owe this. I do n't owe this? Well then you 're a fraud. You owe me money. It 's really simple. '' Court trying to explain to the judge the " Original Signiture Agreement '' and Affidavit showing entry.
04/27/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	AK 99515	Web
I received a pre-approval for a personal loan in the mail. The letter included loan amounts, APR rates, and a confirmation #. As I currently hold some credit card debt, and need to replace the windows on my home, I chose to inquire to what I would qualify for on XX/XX/2018. I was immediately denied. In the denial letter SoFi recommended I visit their " trusted partner '' XXXX. XXXX is " able to approve some people that SoFi can not ''. I complained via email on XX/XX/XXXX, as I was denied for having " obligations exceeding income '' ( with no explanation as to what that means ) and despite having a credit score over 800. The reply stated that the factors evaluated included credit history ( score over 800 ), level of education ( XXXX ), years of professional work experience ( 3+ ), and income ( over $ 50K ). I responded that their letter stated one reason, but their generic email reply stated it was a constellation of factors. I also complained as it appeared that they send pre-approval letters in order to send applicants to their " trusted partner '' after denying them ( potentially making them more desperate ). My email was then forwarded to a customer service rep who responded on XX/XX/XXXX that she would like to schedule a meeting to discuss the denial. I replied that I was not interested in having a verbal conversation, and wanted their explanation in writing. On XX/XX/XXXX I received a reply from a different customer service rep indicating that they had written a " clarification '' letter that contained " additional details '', and that I would be removed from their mailing list. The letter states that I was declined for " excessive obligations relative to income '' and " other - does not offer credit terms requested ''. I responded with further questions - SoFi says they calculate my " obligations '' based on averages ( not actual figures pertinent to my situation ), so I want to review what those numbers are. And what does " does not offer credit terms requested '' meant as I had made no requests. I had requested no dollar amount, no APR - I was sent a pre-approval letter. I also requested that they delete the account I had to create as I do not want my account hacked and information stolen. The second customer service rep replied on XX/XX/XXXX that the calculated debt to income ratio would cause the possible interest rates to exceed what Arkansas restricts to. I don't live in Arkansas. He was also unable to give clarification on what number was calculated as my average as it is " proprietary company information ''. He did say my account would be deactivated, and I could visit their privacy policy webpage. I responded with the information that I do not in fact live in Arkansas, and that I would make a complaint concerning their business practices as they are opaque, and their goal continues to appear to be to drive would-be customers to a " trusted partner ''.
05/30/2017	Yes	Student loan Private student loan	Getting a loan Confusing or misleading advertising	CA 940XX	Web
Systemic bait-and-switch operation with SoFi and offered interest rates. In XX/XX/XXXX, I applied for a refinance loan of {$26000.00} on the remainder of my Federal Student loan balance. In the application process I provided my requested information including my current annual income of {$120000.00}. They pre-approved me for a 5 year fixed loan for the amount requested at a rate of 3.99 %. I applied for the loan and provided requested pay stubs for income verification purposes. These paystubs from the end of XX/XX/XXXX showed year to date income of {$51000.00} which I used to calculate the annual income I submitted with my application of {$120000.00} scaled for 12 months. None of this income was bonus or commission type income and was all directly related to my profession and work as a XXXX XXXX. SoFi told me that they would not accept this income for verification purposes implying that a portion of my income would be treated like bonus or commission type income for which they ask 2 years of prior XXXX statements. Specifically, approximately {$40000.00} of my current annual income out of the {$120000.00} is regular XXXX reported taxable income ( not XXXX ) from picking up extra shifts at the XXXX ( not overtime and commonly referred to as " moonlighting '' in the XXXX XXXX ). I do n't believe a reasonable consumer would believe that this is bonus or commission type income, and there is no information available that would suggest this type of income would be treated differently for verification purposes in the application process ( SoFi does specifically mention bonus or commission type income on their website though ). SoFi then tells me that they would no longer be able to offer the rate of 3.99 %, but that the good news was that they were still able to conditionally approve me at a new 5 year fixed rate of 5.115 % ( 28 % higher than the 3.99 % rate they had pre-approved me at ). At that point I was thinking, oh well, SoFi as a private company can set whatever standards it wants for its lending as long as not discriminating or breaking other laws. But then I read other reports on the Consumer Financial Protection Bureau website and found that many others reported similar experiences of being pre-approved at one low rate, and then experiencing some type of difficulty in the application/verification process outside of what a normal/reasonable consumer would expect and then being told of the good news of being offered a higher interest rate than the one they were pre-approved at. This higher interest rate is offered after the consumer has provided their protected financial information and authorized a hard credit check ( which hurts their credit ) and SoFi can then share/sell/use this financial information in a proprietary way while not honoring their marketed or pre-approved rates in good faith.
03/11/2020	Yes	Student loan Private student loan	Dealing with your lender or servicer Problem with customer service	TX 78739	Web
I applied to refinance my XXXX federal loans with Sofi in the second week of XXXX in order to consolidate and get a better interest rate. I am not 100 % sure on which date but it would have been around XX/XX/XXXX. I was approved and they sent me paperwork to electronically sign on my new loan. I noticed that the amount was wrong so I contacted them to fix the problem. First I called them to clarify. I got sent the paperwork and it was still wrong. Then I contacted them via their online chat service. They asked me to provide them with my most recent student loan statements from XXXX. I did. They said they would fix it. I was very explicit that I was refinancing all XXXX loans except for loan number XXXX. All other loans were to be refinanced including loans XXXX and XXXX. They sent me the paperwork to sign and it was wrong a third time. I then called them via telephone again and was asked to again submit my most recent XXXX statements. I sent them a second time. They sent me the paperwork again and the amount was correct so I signed it. On XX/XX/XXXX they sent the funds to XXXX to refinance my student loans. However they made a huge mistake and sent all of the money to one of XXXXXXXX XXXX departments and no money to the other department that contains loans XXXX and XXXX. Apparently XXXX has two separate departments. I contacted Sofi about the mistake on XX/XX/XXXX and was told to call XXXX and have them move the funds over to the two loans in the other department ( XXXX and XXXX ). When I called XXXX I was told that they could not move funds over to the other two loans because that is a separate department and they are unable to do that on their end. They told me that the money would have to be refunded then sent to the other department by myself or Sofi. I contacted Sofi and was told to have them refund the money to me so that I can pay the other two loans off. After A LOT of back and forth with XXXX I have only been able to get about {$1800.00} refunded back to me, which I have already used to pay down one of the loans that was supposed to be refinanced. There is another {$4300.00} that XXXX has not refunded to me or Sofi that is supposed to go to payoff the rest of the balances on loans XXXX and XXXX. During this time I am being charged interest on these loans by both companies. Sofi issued my monthly payment for me last month and say that they can do this month as well but that is it. I expect them to refund the interest I am being charged on money that I didn't receive, especially after making the huge mistake they made. I have been in contact with one of Sofi 's representatives via email that is supposed to help solve this issue, yet she keeps asking me to make all the calls to XXXX and do all of the work to fix Sofi 's mistake. I have and can provide all of those emails if I need to.
12/18/2019	Yes	Student loan Private student loan	Struggling to repay your loan Problem lowering your monthly payments	NC 27529	Web
I currently have a total of 17 students loans from XXXX and XXXX school. 12 of the loans are currently Dept of Ed. loans, 1 of the loans is with XXXX and 4 of the loans are private. All but the XXXX loan are currently serviced by XXXX. I recently have been working to get my credit score up so I could refinance the 4 private loans. My reasons for wanting to refinance are to get a lower interest rate and to remove my mother as a cosigner. I also add that when I was XXXX-XXXX, these private loan companies had no issue lending me this money. I have been reaping these private loans since XX/XX/XXXX and been making consistent payments ( never missed a payment to my knowledge ) other than the three years I was in XXXX school and they were deferred. The balance of the private loans is currently approx. $ 35k with a weighted interest rate of apron 8 %. If I am able to refinance at 6 %, my payment will decrease by over {$250.00} a month in just interest. I submitted a refinance application with Sofi. I submitted all requested information including my XXXX tax return and my XX/XX/XXXX P & Ls along with bank statements for verification. I am being told that my averaged income for the two years is $ XXXX, which I do not have a problem with that number based on the averages. My issue is that they are telling me my income doesn't support a refinance and it is solely related to my income. I was told my payment history is fine and my credit score is fine. They can not lend to me solely based on my income. So my main question/complaint is : How can they lend to me at XXXX-XXXX with no income and no credit history, but when I apply for a refinance at XXXX, making the most money I have ever made and the best credit history I have ever had, they don't see me as credit worthy for the loan? Oh, and might I add, the payment that I have been making consistently since XX/XX/XXXX ( minus XXXX school years ), will reduce by over {$250.00} per month with this refinance. So they do not have faith that I will make a {$250.00} less per month payment than I am currently making now. The only sense that makes to me is they are losing interest by reducing the interest rate and they have no benefit to approving this refinance. So why not add a cosigner again you ask? well I tried that based on Sofi 's recommendation. To everyone 's surprise, she was denied? The same cosigner who was approved when I was XXXX-XXXX with substantially the same credit score and income when I was XXXX-XXXX, is now all of a sudden denied when I am XXXX, making the most money of my career. How can student loan companies loan money at high rates to XXXX-XXXX year olds trying to get an education and then refuse to refinance the same loans when those same students become adults and actually have income and credit? How is this acceptable?
03/11/2022	Yes	Checking or savings account Other banking product or service	Closing an account Can't close your account	MT 598XX	Web
On XX/XX/2022, after 2 failed deposits in different amounts and 1 failed accidentally scheduled a deposit for {$1.00} my account was frozen, and my stock positions sold for a loss. I have called and called the number provided in the message that states the account it frozen. The number goes straight to voice-mail and I've left several messages. On XX/XX/2022 I called every number on the company website until I was finally able to speak to someone. They informed me that my account was frozen and I would have to wait for the risk team to sort it out and I was promised an email decision by the end of the day. XXXX I called again and was informed the account was frozen for 60 days. At this time i.also discovered my stock positions had been liquidated at a loss although my account balance was well above zero before the sale. On XXXX I called again, asking for a reinstatement of my positions or the ability to move my money out. I was informed again that the account was frozen and I wouldn't be receiving my gains previously made, just my initial deposit of {$960.00}, and not for 62 days, vs 60 I was told the day before. There is no reason my account should remain frozen, especially for 60-62 days. They also asked me to lie to my depositing bank and claim.i hadn't sent the {$960.00} in order to speed up the process of the return. I will not lie to my bank, nor will I lose the {$400.00} in gains that I made using the {$960.00}. My frozen account balance is {$1300.00}, and I shouldn't have to wait 2 months and/or lose {$400.00} because of a simple error in depositing funds.I 've cost no one any money, I've done nothing illegal, and I don't feel that selling my positions without my.permission is fair. The sale of all stocks resulted in {$190.00} in losses at the time, and untouched until present would have been a far greater amount of gains, costing me even more. I have begged, pleaded, and threatened legal action to no avail. Simply put, Sofi had stolen {$400.00}, locked up {$960.00}, and cost me and additional {$190.00} in just one day of unwarranted actions. In 62 days my {$960.00} is.supposed to be returned but I received a message today from SoFi explaining that it will take up to 180 days. The potential loss is exponential in 6 months time. I want my money, XXXX {$1500.00} returned to me immediately by check or as a transfer to another trading platform. I shouldn't have to wait 6 months for only a percentage of my money to be returned. I saved for a long time to have this money to invest since I don't have a retirement plan. This sets me back 6 months, but likely.much much longer. Stocks are at historic lows making for a.great opportunity that I'm getting robbed of because SoFi doesn't want to release my funds back to me or allow me to transfer my small investment to another brokerage.
11/30/2017	Yes	Student loan Private student loan	Struggling to repay your loan Can't get other flexible options for repaying your loan	OH 45255	Web
Some background : I graduated in XXXX XXXX and 6 months after, in XXXX XXXX, I was expected to start repaying my loans. In attached documents you will see the principal amount, interest rate, and monthly payment amount. The job market has been tough, so I have been working several part time jobs, XXXX XXXX to make ends meet and have been trying to find salaried work for about a year and half. No luck, so I plan to obtain a XXXX certificate and become a XXXX in the coming year to two years. Since I have been expected to start making monthly payments, I think I have been able to make a total of 4 or 5 payments. SoFi has worked with a little bit, they granted me two 3 month long Economic Hardship Forbearances and these have helped immensely. However, there is a limit to how many of these you can be granted throughout the lifetime of the loan. ( As a side note, none of the representatives I ever talked to informed me the there was a limit on the amount months you could be in Economic Hardship Forbearance. Luckily, I read this in the fine print randomly on their website. ) I have used 6 of the 12 months allotted for my loan lifetime and am weary of using the other 6 when the lifetime of the loan is so long. I ca n't guarantee that I wo n't be in a similar financial hardship in the next 20 years, so you can understand why I want to avoid burning through this forbearance allowance in the first year. For XXXX XXXX, I have been unable to make the monthly payment. I was doing fine until we hit the slow season at work ( XXXX XXXX during the holidays is hit or miss, for my job unfortunately it has turned out to be a huge miss ). So I called SoFi today ( XXXX XXXX, XXXX ) to inquire about ways to lower my monthly payment. They forwarded me to XXXX, the company that works with them to process all payments. I spoke to XXXX who said my only options are to either 1 ) refinance or 2 ) apply for an economic hardship forbearance ( the forbearance I described above ). I explained to him that neither of those options are reasonable because one, refinancing requires a hard inquiry on your credit ( which isnt worth doing when nothing drastic about my financial status has changed since the original financing of the loan ) and two, for the reasons mentioned above, I do n't want to use more months of the economic hardship forbearance. I then inquired about an income driven repayment plan to help adjust my payments to the income I 'm making. He reminded me these types of plans are only for federal loans, not private ones and basically said, sorry, youre out of luck. He told me to have a good evening and the phone call ended. This conversation unfortunately mirrored past conversations with SoFiXXXX where I left feeling hopeless and even more stressed out about the looming monthly bill.
08/18/2020	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	NY 14220	Web
Im becoming increasingly concerned with the servicing provided by XXXX for my loan originated with SoFi. In XXXX they raised my variable interest loan up to 7.18 % from 3.55 % the previous month. I notified them of the error and it was corrected down to 2.98 %. I didnt want to make a big stink about it going up XXXX % for a few days so I let that go after it was fixed. Then in XXXX I applied for an economic hardship ( XX/XX/20 ) forbearance as a result of medical bills I received. They sent me the form via e-mail & instructed me to return it via my dual authenticated account online. After I completed the form and uploaded it as instructed, they denied the claim without cause communicated to me. I reached out & they indicated said without an actual signature they couldnt approve it. I asked them for alternatives because I dont have a printer and didnt think it made much sense for me to go to fedex to pay for printing in the midst of a pandemic and while applying for an economic hardship forbearance. Further, working for a financial institution myself, I know theyve had months to figure out alternatives to solve for this exact situation so that customers dont have to leave their houses or interact with strangers in the midst of a pandemic. Despite their lack of assistance, I was able to have my fianc print the form I needed to sign & uploaded it with the requested signature a few days later. It was submitted prior to my due date & I received notification of the forbearance being approved on XX/XX/20 the same way i became aware of the denial previously. Despite the approval, they still took the money from my account. I called them and told them I needed the money & wouldnt be able to buy groceries unless it was returned. They told me they would process the refund immediately. A week went by, and my checking account was still over drafted because of the payment they took. I called back and they told me they actually HAD NOT processed the refund the week before, and would process it that day. At that point I reached out to my bank to file a dispute because the loan was in forbearance when they withdrew the money and i wanted the overdraft fees refunded also. XXXX botched the refund, and have now the set my principle balance higher than its been since XXXX despite the fact that Ive been making interest payments all along. I should not have to pay interest on the same principle balance more than once as a result of their mistake. Ive asked multiple times for the balance to be returned to the amount quoted in the forbearance agreement. Im concerned that their servicing contract with the federal government has made SoFi customers less of a priority for XXXX, and operational errors like this are more likely to occur moving forward with any additional volume.
05/12/2017	Yes	Student loan Private student loan	Struggling to repay your loan Can't get other flexible options for repaying your loan	OH 43212	Web
I refinanced my student loans wit h SoFi. I ha d multiple federal and private loans, so the ultimate goal wa s to consolidate all of them and save money, of course. SoFi puts out a lot of advertisement on how they can save people so much money with their student loans, and that is why I chose them. They only go up to a 20 year plan, and my loan is over XXXX . Currently, my payments are around {$750.00} a month. I am only one yea r out of graduating college and have a good job and have even been promoted twice, but I still am struggling mightily with these loans. You would be hard pressed to find someone 1 year out of college that would not be struggling to cover {$750.00} a month just for student loans. The student loan payment is more than my car payment plus rent combined. I have called them multiple times to ask what they can do to help me lower my payments because I am currently not saving any money, which was the whole point of doing this. Almost every other company can offer things like income-based payments or a longer term deal. Either way, I need a better payment structure ; every time I call them to ask what they can do to help they always tell me that there is nothing they can do. The y give one o ption which is to switch to a fixed rate. Well, that makes no sense because the current fixed rate is around 8 %. My current variable rate is around 5.5 %. Being on a variable rate can be very dangerous, especially for someone in my situation, but it is the only way I can possibly make any of these payments. The only other thing they mention besides switching to a fixed rate is to call XXXX , who is actually servicing the loan. If I call XXXX , they tell me to call SoFi. They just send you back and forth, and that is not a good look. I always ask them if they can push my term out t o 25 or 30 years, because that will definitely lower my payments. It would also be a GREAT business decision on their part, because they can make even more money off of interest from me over a 30 year span. To me, I understand that I a spending more money on interest, but that gives me more money to invest now, and also will allow me to breathe with lower payments. However, they always say that there is nothing they can do to help me. Plain and simple, I need a better payment structure. They are making money off of me no matter what, so there should not be any problem with switching up the payment structure. My current plan has a balance of around XXXX and has a projection of me spending a total of XXXX including interest over the life of the loan. That shows that they are going to be making a lot of money off of me. Surely they can do something to help me out given that I am helping them make so much money. Right now, they are doing nothing to help me out.
02/28/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	IL 60647	Web
I applied for and was approved for a {$5000.00} personal loan from SoFi Bank on XX/XX/2022 ( SoFi Loan number : # XXXX ). The personal loan funds of {$5000.00} were sent from SoFi to my external checking account on XX/XX/2022. SoFi was running a promotional bonus offer to receive {$590.00} for applying for and being approved for a personal loan, during the time that I applied and was approved for my specific personal loan. I live chatted with a SoFi representative online in late XX/XX/2022 to inquire on the status of my {$590.00} promotional bonus amount, as it had not yet been credited to me. The representative explained that the bonus would typically be deposited to a SoFi Money account, however I informed the representative that I attempted to apply for a SoFi Money account the day before, but was denied. The representative then explained that as an alternative, I could sign a Form XXXX and provide the XXXX details of XXXX of my external checking accounts, in order to receive the {$590.00} bonus to my external account. While still connected to this representative on the live chat, I navigated to the section of SoFi 's website that the representative guided me to, where I electronically signed/dated the Form XXXX and entered the account and routing number of my XXXX XXXX checking account XXXX I was then told by the representative I would receive the {$590.00} bonus within XXXX days of when my loan was approved/funded. On XX/XX/2022, which was XXXX days elapsed from the time of my personal loan being funded back on XX/XX/2022, I still had not received the {$590.00} bonus to my external XXXX XXXX checking account. Therefore, I chatted with SoFi once again on XX/XX/2022 to inquire on the status of my {$590.00} bonus funds. The representative did not provide any helpful information as to why my bonus had not been paid out to me- considering that I met the requirements of the offer in terms of applying for and being approved for a personal loan, and having signed the necessary XXXX and provided my external account details for XXXX. The representative told me that opened a ticket for me ( Ticket number : XXXX ) and that the relevant team would look into the matter of crediting my bonus to me within the next couple days. Now, it is currently XX/XX/2022, and I have not received any update from SoFi on my open ticket number, and I still have not received the {$590.00} bonus to my external checking account as part of this promotional offer that I took part in, and it is well past the XXXX day mark that SoFi informed me I would have received this bonus by. Therefore, I am filing this complaint to formally request that SoFi honor the {$590.00} bonus be paid out to me as per the offer I engaged in and fulfilled all requirements from my end.
06/06/2022	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	LA 70131	Web
SoFi was offering a {$300.00} incentive to set up direct deposit in a Checking and Savings account, and deposit {$5000.00} within 30 days. I used to have a brokerage account called " SoFi Money, '' but not their new Checking and Savings account. Per the terms and conditions I was given on XX/XX/XXXX : " Eligible Participants : All new members who open a SoFi Checking and Savings account during the Promotion Period and all existing SoFi Checkings and Savings customers who have not previously set up Direct Deposit transactions ( Direct Deposit ) into their SoFi Checking and Savings account as of the beginning of the Promotion Period are eligible for the Program. '' Please see page 7 of the attached pdf. I requested access to the new Checking and Savings account on XX/XX/XXXX. The following day, XX/XX/XXXX, I logged into my SoFi account and was greeted with display offering this same {$300.00} bonus. I wanted to double check, so I spoke with SoFi 's chat support. A live agent named XXXX XXXX informed me that I was eligible. Please see jpg files 1 and 2. On XX/XX/XXXX, I reached out again to SoFi chat support because I had expected the {$300.00} bonus to be deposited by then. A live agent named XXXX XXXX apologized that I hadn't received the bonus yet, and said it would be awarded " in a couple of days. '' On XX/XX/XXXX, I called SoFi by phone. I was informed that I was not eligible for this bonus, and that I had been misinformed. The agent I spoke to told me that it was their fault I had been misinformed, but the bonus would still not be awarded. I asked to speak to someone higher up. I then spoke to XXXX XXXX. She told that direct deposit activity on my old " SoFi Money '' brokerage account disqualified me from earning this bonus. I pointed out that there was no such language in the terms and conditions that I accepted. She said that there was language specifically excluding customers like me on their website now, and that they reserve the right to change terms and conditions at any time. I pointed out that this was unfair. I reminded her that they admitted this was a mistake on their part. I also pointed out that " changing the terms and conditions at any time '' would allow them to refuse the promised bonus to any customer at any time. Ultimately, XXXX and I could not come to resolution. I feel like this is a bait and switch. I did my due diligence, I followed the rules as presented to me when I accepted their offer, and I verified multiple times that I was eligible for the promotion. It's only after I deposited three consecutive paychecks ( and bolstered their balance sheet for investors ) that they now say they changed the rules and I don't qualify for the bonus.
06/24/2022	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	CA 92123	Web
SoFi promised a cash bonus of {$300.00} per the terms below. I have copied and pasted at the very bottom. I opened my SoFi Checking and Savings in XX/XX/XXXX. I had Direct Deposits of {$4000.00} on XX/XX/XXXX and {$2200.00} XX/XX/XXXX. I also have recurring direct deposits of about {$2200.00} every biweekly since then. I have not received the {$300.00} cash bonus since then. I have spoken to a SoFi representative and I have only received {$50.00}. The following describes the terms that apply to participation in the SoFi the SoFi Checking and Savings direct deposit program ( Program ) offered by SoFi Bank, XXXX XXXX FDIC ( SoFi ). Eligible Participants : All new members who open a SoFi Checking and Savings account during the Promotion Period and all existing SoFi Checkings and Savings customers who have not previously set up Direct Deposit transactions ( Direct Deposit ) into their SoFi Checking and Savings account as of the beginning of the Promotion Period are eligible for the Program. Promotion Period : The Program will be available from XX/XX/XXXX XXXX ET to XX/XX/XXXX XXXX ET. Bonus Terms : In order to qualify for eligibility for a bonus, SoFi must receive at least one Qualifying Direct Deposit from an Eligible Participant during the Promotion Period. Qualifying Direct Deposits are defined as deposits from enrolled members employer, payroll, or benefits provider via XXXX deposit. Deposits that are not from an employer ( such as check deposits ; XXXX transfers such as from XXXX or XXXX, etc. ; merchant transactions such as from XXXX, XXXX, XXXX, etc. ; and bank XXXX transfers not from employers ) do not qualify for this promotion. The amount of the bonus, if any, is described below. No bonuses shall be paid for qualifying Direct Deposits of less than {$1000.00} during the Evaluation Period ( defined below ). Evaluation Period : The bonus amount will vary based on the total amount of Qualifying Direct Deposits received during the Evaluation Period. The Evaluation Period is defined as 30 days from the date your first Qualifying Direct Deposit is received. For example, if you receive $ XXXX {$1900.00} in Qualifying Direct Deposits in the Evaluation Period, you will receive a cash bonus of {$50.00}. A member may only qualify for one bonus tier and will not be eligible for future bonus payments if inflows subsequently increase beyond the Evaluation Period. Total Qualifying Direct Deposit amount in 30-day Evaluation Period Cash Bonus {$1000.00} {$1900.00} {$50.00} $ XXXX {$4900.00} {$100.00} {$5000.00} or more {$300.00} Payment timeline : SoFi will credit members who meet qualification criteria within 14 days of the end of the Evaluation Period.
06/16/2018	Yes	Student loan Private student loan	Getting a loan Confusing or misleading advertising	MD 208XX	Web
Beginning in mid-XX/XX/2018, I attempted to secure a student loan refinance from SoFi for approximately 58,000 dollars. I submitted all required paperwork, as did my cosigner ( my spouse who is on a XXXX XXXX through marriage ). After two weeks of hearing nothing from XXXX, I contacted them multiple times at the end of XXXX -- both on the phone and through their live chat -- to discuss what the hold up was. It was uncovered that they were having an issue contacting my future employer to verify my offer letter. On XX/XX/XXXX, I called them in person after spending a few hours of my own time to find additional contact information for my new company 's HR. I was told then that the application was complete and would finish processing in shortly. The next day, I got hit with an address verification request for documentation because we had just moved. XXXX stated that they would only accept a bank statement, but I had not received one with the new address because we had just moved a few days prior. Once I told them this, they decided that they were willing to a screenshot of my bank 's website showing the updated address. That same day, I logged in and noticed that XXXX had unilaterally updated my requested loan amount from ~58,000 to over 80,000, which I at no point requested them to do. It took two phone calls and three web-based live chats to get this problem solved. Then, this morning, XX/XX/XXXX, they requested an XXXX for my spouse, who was acting as my co-signer so that we could get a better interest rate. We have only been married for two years and have not yet been required by the USCIS to file the XXXX, as my spouse 's initial XXXX XXXX still has validity. Had SoFi told us in their application materials that we would need an XXXX, we would never have filed the application. Their omission of this during the initial stages of the application has led to considerable wasted time on my end and has dinged both of our credit reports with hard inquiries. Today, XX/XX/XXXX, I called into XXXX and spoke to a supervisor for the third time in two days about my application. They told me that if I could not furnish an XXXX they could not move forward with my application. At no point prior to this, not even in my various phone calls and web chats with them about this application did they mention this possibility or that they would need this document. Today, I talked to XXXX, one of XXXX 's supervisors. When it became clear that they were not willing to work with me on this issue, I notified her that I expected XXXX to immediately remove the hard inquiries from both mine and my co-signer 's credit reports and that I would be filing a CFPB complaint.
05/01/2022	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	CA 92071	Web
Opened an account with SOFI XXXX XX/XX/XXXX received money {$1000.00} XX/XX/XXXX received money {$500.00} XX/XX/XXXX Withdrawal to bank cancelled by SO FI According to their terms and conditions, customers can receive, transfer money to and from Sofi to other bank accounts. However, this account was immediately frozen and all services suspended. I placed several calls to SO FI but was not able to get through for a few weeks. I finally spoke to one of their agents who told me that my account was under review and that this was standard practice, and to check back in a few days. I checked my account as suggested by the agent and still everything was frozen and all functions were suspended, so again I called back and was told at this time that I had violated their terms and conditions when I asked what this was in regards to. They were very vague and elusive and alleged that I had committed fraud. I was totally shocked. " Fraud! '' I asked what you are talking about. I am not aware of any such actions, and I find this very offensive and insulting. Again, I pressed for information : what and where were the specific violation in their terms, of which they did not provide, but they were very broad, evasive, and ambiguous. I have found this company to be very abusive to its members. They made me feel like a criminal. I filed a complaint with the XXXX and received a letter back from SOFI on XX/XX/XXXX. They did not provide any proof of anything but informed me in writing that I was not getting my money back. As of today, I still have not received my balance of {$1500.00}. Sofi 's engage in deceptive business practice by keeping an account frozen and suspended. They can technically say its not close but rather state it's in review or it's suspended, therefore holding onto a person 's balance and not paying them. This is illegal, deceptive, and unethical. This harms the consumer on all levels. Consumers are further targeted and abused by their phone agents, who are very cold and harsh on the phone. They have no interest in helping them resolve their issues. This company goes a step further by sending out a letter with pages of terms and conditions but not highlighting any violations, are reference them for the consumers This is deception and opening an account they did a bait and switch. I feel that they committed fraud against me by their actions and have provided substantial proof of this fact. This company is unethical, financially dishonest, and abusive at the highest level, and I have been harmed by these illegal tactics. I want them to return what they stole from me. My {$1500.00}.
11/24/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX 77373	Web
Issue with loan process and how things are handled. I applied for a loan XX/XX/XXXX and was preapproved.3 weeks later which is the process I signed papers XX/XX/XXXX. XX/XX/XXXX I finished signing documents. XX/XX/XXXX they said funds will be in my account 7-10 days later. This did not happen. I got an email from XXXX XXXX stating that the bank statement did n't verify ( it was a joint account ). SO I gave them my other account with a small credit union XXXX. I got a letter signed from the people at the bank verifying that is was my account. 4 days later I got an email saying they could n't verify my identity and they denied me XX/XX/XXXX. No one gave me a chance or ask me to provide anything more. I gave drivers license, birth certificate, social security and they ran my credit. I called and they could n't tell me anything as to why they could n't verify because it look good on their side. Then they told me to reapply. I thought this as strange as most companies do n't allow you keep applying. I applied again anyway to see. XX/XX/2015 I applied again. XX/XX/XXXX. I signed the documents on XX/XX/XXXX. I got an email stating my loan was approved. I called and spoke to customer service several times and they all said keep checking my account the funds will be in there. Give it 3-4 days. 5 days later they said because I have a smaller credit union it may take sometime. I called yesterday and they said that is hould be in my account no later than XX/XX/2015. I checked the sofi today and it is saying my account is withdrawn. I am so confused I never withdrew the loan and I feel like it was all a game to give me the run around. When I normally am approved for something and they say funds with be in account that is usually the case. I am not sure if this is a legit company. I have been nothing but patient and this feel like this is a scamIf the money was going to my account and I had been approved and the several customer service agents state the money would be in my account how did it go to withdraw status. I never got anything as to why the loan was in withdraw status. They said it was something that could n't be verified. If this is the case how did I sign loan and then they said it was not able to verify things. NO one contacted me and tried to see if this could be resolved. Also now I have XXXX unnecessary inquiries if they knew they were not going to approve me why have someone wait almost 3 months. This is very unprofessional.The representatives were so nice but I am not sure if this is a legit company or they just have you applying for nothing or to get your information
03/11/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	TX 75204	Web
I am unable to log in to my account or reset my password via the website. Customer service is unable to reset my password for me so that I may regain computer access to the account. Their customer service keeps telling me their contacting their engineering department with no avail. XX/XX/2021 SoFi Response : " I wanted to follow up with you in regards to your access to your profile. After reviewing your account our engineering department was able to see a login to your account today. If possible can you confirm if you were able to access your SoFi.com profile? We just want to make sure we provide the proper assistance to you with gaining access to your account. '' XX/XX/2021 : My response is the following : " I can access my account via the XXXX application. I can not access my account via the website because I don't remember my password nor can I reset my password because I never get the password reset emails. '' XX/XX/2021 SoFi Response : " My name is XXXX and I work closely with XXXX who is currently out of the office. I would like to thank you for providing this information to us. At this time I will advise our engineering team of these issues again. I will also contact XXXX to have her follow up when we have more information. Thank you again. '' XX/XX/2021 SoFi Response : " After looking into your account it seems we do not have an update at this time. I do apologize for the inconvenience this has caused you. Unfortunately, there is no ETA on when this will be resolved. I have contacted XXXX and engineering to see if we can have an update soon. Thank you for your patience. '' XX/XX/2021 SoFi Response : " I completely understand the frustration at this time. Unfortunately, there are no updates for this issue. I have contacted the engineering team and XXXX to follow up with you when there is an update. I do regret this information as a Manager would be advising the same information. '' XX/XX/2021 SoFi Response : " After further review, we are seeing that you're successfully logging into your SoFi account. Please make sure you are not attempting to log into your SoFi/XXXX account as that is different. You would need to contact XXXX regarding that issue. Please send me a full screenshot, including the URL bar to confirm this. '' XX/XX/2021 SoFi Response : " I have contacted our engineering team again regarding this information. I do apologize for the inconvenience, they just need more information. I have unlocked your account as I see the account is locked and have sent you a reset password link. Please let me know if you have not received that link. ''
04/07/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	NY 100XX	Web
This company performed a soft-pull to verify my credit score and credit report and then presented me with a pre-qualified offer ( I understand this is not set in stone ). The offer was presented and accepted. A hard search was performed. Two documents were requested, a copy of my drivers license and a most recent paystub, they also have the option to link a bank account in your name via XXXX. All 3 of which I provided and/or completed. More than fulfilling my requirements under KYC regulations. On XX/XX/XXXX both XXXX and Sofi made verification calls to me, quite coincidentally at the same time, as mentioned to the Sofi Caller at the time. I was previously a victim of identity theft so XXXX wanted to verify the application was in face made by me ( XXXX XXXX Member ) and Sofi ( the lender ) also wanted to do the same, they called me on the number listed on my credit report and I confirmed I did indeed apply for a personal loan with them, the caller was pleasant confirmed I had credit score requirements and would now finalize my loan. On XX/XX/XXXX Soft declined my application and sent an Adverse Action Notice with the decline reason being they were unable to verify my identity. They listed the source of their verification information as XXXX, I immeadiately called XXXX as I assumed they must have been unable to pull my credit correctly due to mismatching details, XXXX confirmed they had successfully performed a hard pull and using their document upload service confirmed that the information provided in the application matched that on my credit report and that the adverse action notice was invalid for that reason, they suggested I call Sofi and ask for clarification, after explaining to a Sofi agent what XXXX had said they proceeded to place me on hold for 26 minutes, at which point they returned and advised me that I was to apply again and that they had no further information beyond the adverse action notice. The company should not perform a hard-pull on a consumer if they are not sure of their identity, there is also no course of appeal or communication with underwriting to take steps to provide further information to establish identity verification, if the source of information used is as the adverse action notice suggests then XXXX have contested the adverse action notice as the information matches, if the source of information to establish identity verification differs from that mentioned in the adverse action notice the company has witheld the source from the consumer and therefore breached FACTA as there is no point of contact for recourse.
10/24/2017	Yes	Student loan Private student loan	Getting a loan Problem with the interest rate	OH 452XX	Web
I originally applied for a XXXX refinance loan of my parent 's PLUS loans on XXXX XXXX after receiving advertising the mail for several years. I was preliminary approved. Then it informed me I could save with a co-signer so my dad agreed to be added to the loan. It then told me that with my dad, I would save 0.41 % on the interest rate, with the new rate being 5.115 % with automatic payment. That sounded good so I uploaded my income documents and a copy of my drivers license and told my dad that when I went out to his house, I was going to need the same from him. After I uploaded my documents, it came back and told me that I could get 5.115 % with or without a co-signer. This did n't sound right so I called SoFi as well. The representative confirmed that I would get the same rate with or without. So I decided to proceed without. Over basically the next 2 weeks, XXXX requested various documents including a letter from my father indicating that the original loan was a XXXX loan. Why did they not ask for all this at once? My father is XXXX and does not scan / email documents so I had to drive an hour one way to his house to get documents that would have been a lot easier if they asked for when I originally told them it was a PLUS loan and they asked for a letter of direction. Finally, after 2 weeks ( in which they indicate it is about a 4 day process ), I received notification that a new offer was on my loan. When I contacted XXXX, I find out that since I removed my father from the loan, the income went down and so my rate was going up to 5.525 % with automatic payment. They never said XXXX word when I talked to them about my father being removed that I needed his income to qualify for that rate. They have known what my income was for over 2 weeks. I sent an email to their customer service and did not get a reply so I logged on and chatted with a representative. She reviewed my information and agreed that I was told wrong information but said there was nothing they could do but I could add my father back if I wanted. I am not drive another hour one way to get a paystub and drivers license when I could have done that with the previous trip. She then advised me to call in. I strictly told her that if I am calling in to get the same information I would not be happy. She said to call. I called in and the representative told me the exact same information. I told both representatives that this appears to be deceptive and unfair, a complete bait and switch, and that I was filing a complaint with the CFPB ; however they said there was nothing they could do.
03/16/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	CA 90703	Web
On XXXX I applied for a credit card consolidation loan. ( XXXX XXXX ) This was approved on that date. This loan amount was {$80000.00}. As a part of this process, I took advantage of a favorable interest rate reduction of .25 % by supplying the account numbers for each credit card that was to paid off. This included the credit card number, and card verification code. This was validate real-time by SoFi 's XXXX as shown by an error for one card I'd entered that it claimed was under a different name. ( This error was erroneous, as I believe they included my middle initial for that card. ) Later that day ( XXXX ) I noted that a disbursement of {$12000.00} was made to one of my cards at XXXX, and {$300.00} was deposited to my checking account which is also at XXXX. However, there was a third account at XXXX that did not receive a distribution. I checked the other accounts at other institutions ( XXXX XXXX, XXXX, Bank XXXX XXXX ) to see if they'd received any distributions. They had not. Each subsequent day I continued to log in to each of those financial institutions ' online banking sites to check on the status of a payment. There were none from SoFi. I contacted XXXX on XXXX to alert them to what I believed to be a problem. They refused to assist further as it hadn't been 3 business days since the distribution. I pressed them for transaction verification IDs for the XXXX. Either the agent did not have this information, or she refused to provide it to me. I said I'd wait until the 3 business days were met. I called again on XXXX as there were still no distributions to the other financial institutions. As I spoke to the agent, he agreed to open a request to check on the disbursement of the funds. He noted that it will take 24 to 48 hours to complete the investigation, and that they would let me know. Meanwhile, I am still accruing interest on the accounts in question AND interest on the SoFi loan that started on XXXX. My belief is that it should NEVER require a customer to point out a failed XXXX transfer. Customers do not have the information necessary to investigate failures. ( In particular, originating institution information and XXXX transaction IDs. ) Instead, SoFi should have the technology and processes in place to validate the successful transmissions and either re-transmit or work with the customer ( me in this case ) to correct any issues found. In this particular case, the apathy of the SoFi customer support team is benefiting SoFi ( they still have the funds ) and harming the consumer ( the consumer is now paying two interest accruals ).
03/18/2021	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	CA 94804	Web
On XX/XX/21, I set up an online bill payment through the bill pay platform on " SoFi Money. '' The amount for the bill payment was for {$1400.00}. The date I selected for the electronic payment to be " delivered by '' was XX/XX/21. On the confirmation page when setting up the bill payment, it was indicated the funds would be withdrawn from my account on XX/XX/21 and that the payment would be delivered electronically to my XXXX credit card on XX/XX/21. On XX/XX/21, the bill payment had not credited to my XXXX credit card. I contacted XXXX and they said they have no evidence that any payment was received by them. I contacted SoFi and they said that the payment had been delivered, but to just wait and that it will " definitely '' be posted for XX/XX/21. The next day, XX/XX/21, the payment still had not posted to my XXXX credit card. I contacted XXXX and they said they still had not received any payment and that I would not begin to incur interest charges. I contacted SoFi and was told that the payment was delivered XX/XX/21, even though on XX/XX/21, it still had not posted. They told me to wait another day but that they were aware of a " problem '' that sometimes caused payments not to deliver on time that was " out of their control. '' On XX/XX/21, the payment finally posted to my XXXX credit card with a post date of XX/XX/21. On XX/XX/21, I concurred a finance charge on my XXXX credit card. I contacted SoFi to ask to be reimbursed for the finance charge due to their failure to deliver the bill payment on the promised time. The customer service rep refused to offer any reimbursement and said that it was not their fault and continued to make nonsensical excuses. Even though on XX/XX/21, the funds were deducted from my account, they absurdly attempted to justify that it was not their fault that the electronic payment was delivered late. They made plainly false statements that the payment was delivered on XX/XX/21, but in fact it was not and I told them I could prove it. They did not care and refused to offer me any compensation. The issue I have is that SoFi Money is making false promises to " deliver '' electronic bill payments by a specific date, withdraw the funds many days in advance, and deliver the electronic bill payment late. Leaving the consumer with late fees and finance charges. I suspect SoFi 's unlaw and fraudulent scheme here is to " hold '' onto the consumer 's cash for as long as possible, as it is in their benefit to have the cash in their possession for longer.
03/09/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NC 27215	Web
I have already filed a complaint and will be filing another based on the false information that the bank responded with. The information you provided regarding Visa rules is accurate - You state here that what I submitted was accurate. Meaning, the cardholder shall be given credit during the investigation as determined by VISA Rules Section 1.1.11.1. however, the rules also state that the Cardholder must attempt to resolve a dispute with the Merchant or Merchants liquidator, if applicable. You provided copies of your email communications with the Merchant which confirm that the Merchant attempted to work with you to resolve the issue but you did not respond and therefore did not accept their assistance. - You say that I never responded to the merchant, this is false as I reviewed the emails myself and show my responses advising that I wanted a refund and would accept nothing less and even offered to take a 50 % refund. The Merchant refused! SoFi has not provided a provisional credit for the following reasons : -It is not required by Reg E - This is not a Reg E claim ; I provided you a call recording with VISA Rules Customer Service who clearly stated that this claim falls under VISA " Consumer Dispute '' Rules and not under Reg E ; I also called the Fed Resv and CFPB and was advised of the same. Reg E only covers " Errors '' on an account ; these pertain to ATM/Debit Card transactions using the PIN associated, it does not provide " Consumer Dispute '' guidance. You agreed to ( and did not honor ) a 15 day Money Back Guarantee with the Merchant - Under VCR 13.3 the Merchants refund policy has no bearing on the dispute and is not used to determine if the claim is valid or invalid. You did not work with the merchant to resolve the issue. - This is not true I attempted twice to get the Merchant to view it from my standpoint and even offered to settle for less than the purchase amount. You people apparently do not know the difference between a Reg E complaint and a " Consumer Dispute '' and what guidelines to follow. You really need to sign up for VISA Class and get certified on how to handle these complaints. Considering if you simple review documents on the VISA website as well as companies who specialize in chargebacks you will see that I am 100 % correct and you are 100 % incorrect with this matter. I think that the Fed Resv, CFPB and VISA all need to be brought into this and give their take on this case and prove who is wrong and who is right. I bet I prevail!!!!
11/13/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NC 27406	Web
XX/XX/XXXX I called SOFI customer service XXXX to find out the balance owed on my account. I was informed that my account was being handled by XXXX XXXX. I asked why and was told that they were servicing my account now. I called XXXX and was informed that XXXX was a collection agency and that my account was charged off, I was shocked and asked what address and phone number was used to call to collect the balance.. The agent indicated that he did not have an address or phone number. I told the agent that I did not understand how they are to collect if they have not sent out a request for collection by mail or by phone. I called back SOFI loans XXXX to find out how and why my account was sent to collections as I was understanding that payments had been made. The agent with SOFi indicated they would never mail out any information to my home address to notify of late payment but would only email or call. They had the wrong phone number and could not get in touch with me by phone and sent emails. I told the agent that I never received a call on my cell phone which has not changed in years. I told the SOFI agent that I needed to check with my bank to confirm that payment should have been made automatically from my account to them and would call them back. I called my credit union XXXX was told no payments have been made since XXXX XXXX XX/XX/XXXX I called SOFI, spoke with XXXX -customer service agent.. I informed her that they payments were not drafted nor were transferred from my accunt to SOFI. and that there was a break down of communication. XXXX said they SOFI only sent out emails. and tried to call but had the wrong number I told the XXXX in customer serice that I had not changed my mobile number in years ( 10 ) and why would they not mail a letter to inform of late payment or account status and why they do not have the correct number as on my oriiginal application for the loan. XXXX said that that's just how they do business by email and calls were made XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I told her that I do not check my emails regularly but only if notified that some one I planning on sending me an email would I check my email. XXXX said that emails were sent but she could not tell me dates of emiails sent out regarding my account status. XXXX XXXX XXXX XXXX manager said that I would have to contact XXXX XXXX because he could not provide further information. I was concerned that my credit was ruined because I have no other late payments with any one, only SOFI.
12/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34698	Web
I have previously reported that I am a victim of identity theft and requested the company SoFi to close my loan that had been initiated in my name around XXXX of XXXX. I first became aware of the loan around XXXX of XXXX, when I had arrived home from a 5 month trip to XXXX XXXX, and had found 3 or more withdrawals ( of approximately {$1400.00} each ) from my checking account for a SoFi loan. I logged into my XXXX XXXX and found a {$75000.00} loan from SoFi reporting on my credit. This loan was opened in my name and address using fraudulent contact information including a unregistered phone number and an old inactive email ( that I presume was used to communicate with the company ). I immediately placed a freeze on my credit report and, further, sent a letter to the company dated XX/XX/XXXX containing a copy of my FTC Identity Theft Report, proof of identity, dispute letter of the account in question and a notice of furnishers of information. On XX/XX/XXXX, I received a " fraud package '' mailing from Sofi requesting additional documentation in regards to my report. This called for a notorized affidavit, copy of government ID and a police report. I was able to submit all but the police report and sent the documents back to Sofi on XX/XX/XXXX. There had been a delay with the police report as I had just filed with the XXXX County Sheriffs Department and the process typically takes a couple weeks for the report to be indexed into records. I followed up with an email on XX/XX/XXXX providing a copy of the police report to Sofi. By XX/XX/XXXX, after an " investigation '' by Sofi, fraud was not " determined '' and I'm held liable for the balance. My complaint is as follows ; 1 ) The company takes an extremely long time, nearly two months, to acknowledge receiving my documents. 2 ) Continued harassment by phone calls and emails for payment despite the questioned account is under review. 3 ) Concludes a 24/48 hour investigation without even contacting me for questions or additional information. They completely overlooked the fact that I had not even been in the country during the time the loan was initiated. 4 ) My request for additional information as to the origins of the loan from the company on XX/XX/XXXX has yet to be provided 8 days later, indicating to me that they did not do proper due-diligence when it came to their prior investigation. Surely if they had documentation against my case it should be easily accessible.
07/01/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	WA XXXXX	Web
Im writing this complaint since I have no other way to solve problem with SOFI. The problem is following: OnXX/XX/XXXX, I made a transaction with XXXX XXXX XXXX for $XXXX (Transaction ID: XXXX). However, I never received the order. I tried to contact XXXX XXXX XXXX but can not solve the problem. I made a dispute with SOFI. Since its a credit card, I should not be liable for this type of charge. However, SOFI never get back to me. The dispute claim number is XXXX. The representative who handle it is XXXX ext XXXX. 2 weeks after initiate the dispute and dont see any confirmation from SOFI, I called back in to customer service and they advised that the dispute is closed because they need more information from me. To be specific, they want to know how much for each pallet of flooring that I ordered. But in reality, I never receive a call, email or mail. They denied, and closed my claim without my acknowledgement and proper reason. I told the customer service agent that I can give them that info so they can keep disputing it for me. The agent gave me XXXX contact and also ask XXXX to get back to me. When I call XXXX, even during business hour, it always goes to voicemail. I left her 2 voicemails (10 days apart). She never answered to those voicemails. I tried to call back in and tried to leave more voicemails but the voicemails box of SOFI Dispute department is full so I cant do anything. I tried to call back to customer service and have been talking to many different operators. They all gave me the same information that they will contact the Dispute team and escalate it on my behalf and I should hear back with in 48 hours. It has been months and I dont hear anything back. The operators ID are: XXXX, XXXX, and XXXX. In the meanwhile, Im charged for interest on the purchase, and my credit score is going down because of the higher credit utilization. On XX/XX/XXXX, I filed a complaint with the XXXX (XXXX XXXX XXXX), and quickly after that, SOFI responded to me. They promised to work on the claim. On XX/XX/XXXX, they sent me a letter in the mail saying that the dispute is resolved in my favor and the credit is now permanent. On XX/XX/XXXX, There is a charge from XXXX XXXX XXXX on my account (Transaction ID: XXXX) for $XXXX (exactly the same as the charge before). Since that time, I tried to contact SOFI many time by email, and phone call, but there is no luck, they are not reachable. Please help me solving this problem.
08/15/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	FL XXXXX	Web
I wanted to take advantage of the opportunity to change my payment date due to my current payment date being due the same time as my mortgage payment. Upon logging into the Sofi App, I clicked on my existing personal loan and then clicked on my loan details, there was an option to click on called, due date. When I did, it allowed me to select another date within the month. I changed the date from the XXXX of each month to the XXXX. When I selected this option I was alerted to two notifications at the change of date : 1 ) it may take 1-2 cycles for the new payment date to take effect & 2 ) that I would not be able to make another change to my payment date for another 12 months. After 2 months my new payment date was updated, and I noticed immediately after I made my payment on the XXXX of XXXX and they made the change to the new date of the XXXX it was requiring me to make another payment in the same month ( XXXX ). I reached out to customer service multiple times through phone and email to inquire ; however, not only do I keep getting a different representative every time, but no tangible or sufficient information to show I received proper notification that if the new due date was more than 15 days in between selecting a new payment date ( companies policy ) that I would need to make two payments in the same month. In a few attempts in reaching out to customer service and asking to speak to higher level managers, I keep getting the run around in that the system should have alerted me and my responsibility to read before accepting ; however, the company cant seem to provide this notification that I would have seen or acknowledged. In fact, one customer service response was, I am not able to provide a copy since it is system generated on the customer side. Why is the company unable to provide a notification from their system to the consumer alerting an additional fee or payment upon selecting the option? Why cant the company show me I in fact received this notification or went it was sent. The company sends me notifications all the time regarding payments, balances, changes to my loan ... but no notification in my alert section about this double payment in selecting a new payment date if outside of 15 days. The app did not provide this information and therefore misleading in requiring a second payment in the same month when my original goal had been to help alleviate two large payments being due at the same time.
08/25/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NY 11418	Web
Late XXXX XXXX I applied and was approved with a SoFi Credit Card . XX/XX/XXXX, XXXX USPS informed me via their USPS Informed Delivery that a SoFi correspondence is coming and shall be received within the day. It never came. The week of XXXX XXXX I have filed for an unclaimed letter at USPS but they never got back to me. The week of XXXX XXXX I called SoFi customer service people regarding my concern of not receiving the card. They advised me to wait and call back within a week before they can replace the card. XXXX XXXX I received an email and text that they have noticed a transaction at XXXX XXXX XXXX , NY for {$940.00}. I called them and told them that I have not received the card and have not activated the card. They said that I am not liable for it and it will be investigated. The following week, XXXX XXXX- SoFi 's investigator told me to secure a Statement/ affidavit of loss from the customer service in order for me to file a police report. She told me that after filing a police report, I should give her the incident number, Name of the Police, Address and Fax number. I called the SoFi 's customer service and asked for the said document but sent me a current balance which is {$0.00} as of XX/XX/2021. I have been calling them regarding the said Affidavit of Fraud Form but still they are unaware of the said document. XXXX XXXX I was surprised that they have completed their own investigation and that they have concluded that I was liable for the said transaction. They have not even presented any proof that I made the said transaction. XXXX XXXX even told me that I have the card, I made the said transaction which is absurd, First of all, How can I file a complaint without SoFi giving me the said affidavit? I was in the police station to file a complaint but they can not entertain me without the said affidavit of fraud from the credit card company. I have been calling SoFi but we are just running circles. How did they came up such conclusion that I made such fraudulent transaction? Did they even check the IP address that was used if was used via online transaction at XXXX XXXX XXXX?, the phone number that was used to activate the card? did they even check and coordinated with XXXX ' CCTV if I was in the said store if it was done in person? This is just so absurd and I hope I was treated fairly in this matter. They have lapses in judgement making their fraud department unreliable.
12/07/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NY 11231	Web
SoFi sends monthly mailings to potential customers telling them they are pre-chosen for loans at enticingly low rates ( 8.95 % ) based on their credit history. The word " preapproved '' is all over their emails and website when you begin to apply. Those mailings fraudulently suggest that the customer has merit advantaging them in being actually approved for loans at those rates, and instead SoFi uses an unusual, highly-selective review process that cherry-picks from those preapproved customers who apply based on the advertising of those mailings. This practice hurts consumers like myself who are trying to improve their credit. Potential borrowers like myself receive these mailings are enticed to apply because the offer is apparently too good to be true, and instead we waste a hard inquiry on our credit report. The substance of my financial position has actually improved since I first started receiving these mailings a year ago, but that had no impact on application. Most importantly, when I asked why my loan was denied, I was told by SoFi that it was because I had a missed payment on my credit history. However, I know the date that SoFi made the hard credit inquiry ( once I had submitted my application ), and they came back to me AFTER that Inquiry and asked me to supply more financial documentation not originally asked for in my initial application. I did so. And then they denied my application. So they already knew my Credit History had a blemish and continued to process the application. SoFi 's rep XXXX told me having a missed payment on my credit history automatically precluded me from being approved, but if that was the case, they would n't have asked me to supply additional financial documentation after SoFi was in posession of my full credit history. SoFi 's explanation does not hold up against the evidence and timeline of my application process. This leads me to believe SoFi has built a website to automate lending that is falsely advertising and defrauding consumers like myself. Received Mailings : XXXX, monthly Reviewed, Began Application : XXXX/XXXX/XXXX Received email from SoFi reaffirming I was " preapproved '' and encouraging me to complete my application : XXXX/XXXX/XXXX Submitted Application : XXXX/XXXX/XXXX Hard Credit Inquiry : XXXX/XXXX/XXXX Asked to submit additional documents to support my application : XXXX/XXXX/XXXX Application denied : XXXX/XXXX/XXXX
08/27/2015	Yes	Student loan Non-federal student loan	Getting a loan Qualify for a better loan than offered	NY 10016	Web
A very large company XXXX SoFi XXXX that refinances student loans is undoubtedly engaged in deceptive and predatory lending practices. I know this because I used them to refinance my student loans recently. They advertise interest rates that would clearly be interpreted by any reasonable person as annualized rates and even call the interest rates " Annual Percentage Rates '' in the loan documents but they actually compound this rate on a daily basis, making the effective annualized rate significantly higher than that which is being advertised. I carefully reviewed the loan documents I received and only in one place, buried deep in the disclosure, does it say interest is accrued on a daily basis, and even that description is confusing because it fails to disclose that the actual interest rate a borrower will pay on an annual basis is higher than the " Annual Percentage Rate '' because of the daily compounding of interest ( which I think is a very material omission ). I genuinely believe SoFi is secretly robbing indebted students of XXXX dollars PER STUDENT by engaging in these predatory tactics and I believe action needs to be taken against them immediately. SoFi includes a well-crafted arbitration clause in their loan documents and the clause prohibits class arbitration, which effectively prevents any borrower from bringing a claim against them. I would be happy to represent myself against them, and luckily the agreement states each party pays its own legal expenses unless a claim is frivolous, but the fees of the arbitrators would quickly dwarf the amount at issue in my individual case, WHICH IS WHY I NEED YOUR HELP. You are the only available remedy for these kinds of shameful, predatory tactics. SoFi is a HUGE ORGANIZATION and the effect of taking action against them would benefit XXXX students. You have the ability to do a lot of good here ; please do n't just let it pass you by. This is wrong, legally and morally, and you should do something about it. If you agree to pay my share of the arbitrators ' fees I would be happy to take up this cause myself and set a precedent against them ( though decisions in arbitration are n't binding, it would still look very very bad for them and may encourage changes to their practices ) but I am not going out of pocket XXXX dollars more than I already am out of pocket because of these shady practices ; I really ca n't afford that.
10/06/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NJ 07302	Web
I currently have a loan with Sofi at 11.731 % with a balance of roughly {$47000.00}. I was looking to lower my rate and monthly payment on other personal loans I hold and looked at Sofi to see if I was eligible for additional funds to solve for this and was pre approved ( not pre qualified ) for a 60 month {$50000.00} loan at 8.587 %. I uploaded all of the necessary documents XXXX pay stubs, copy of driver 's license ) and submitted to underwriting. To my surprise my application was denied due to " poor credit performance with Sofi ''. I have had three loans with Sofi and never missed a payment. I have never missed a payment on any loan and have a credit score of XXXX. When I called to question why I was not approved, I was basically told that the decision was based on a black box calculation and because the customer service representatives are not loan originators, they could not help me. They said that if I were to apply to refinance my loan instead that I might have a better chance. I started a refinance application and was given another pre approval with a rate of 11.60 % on a 60 month loan. My first issue is that I was pre approved for the loan and know that Sofi must have information regarding my credit history to give me that designation. My credit is clean and I have not taken on more debt since originating my last loan with Sofi. As a current loan holder and much of my information pre-populated, I was led to believe that Sofi already knew my credit history through a commonplace " soft pull ''. How is it that I could be denied for " poor credit performance with Sofi '' if I have never been late on a payment and am actually paying {$260.00} extra per month on my current loan. By misleading me that I was pre approved and allowing Sofi to run my credit, I have hurt my credit score and made it less likely that I will be approved by another lender. My second issue is the discrepancy between the rates I was given for the loan I was denied and the refinancing rate. It seems to me that they are gouging me based on my current rate. Presumably they would have no further information on my credit history for this refinance application than they had on the loan I was declined for. While I understand the right of the company to price different products differently, this seems unethical at the least Thank you for your assistance in this matter
01/05/2022	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	NJ 07013	Web
I refinanced my student loans through SoFi. I submitted an application and accepted interest rate of 3.05 % before their stated deadline of XX/XX/2021. On XX/XX/2021, I received a call from a SoFi representative stating that my interest rate was increasing to 3.55 % because they were unable to verify my income based upon my pay stub. As instructed, I uploaded my pay stub to my online portal. On XX/XX/2021, I called SoFi to follow-up on the status. I was informed that the initial 3.05 % rate had expired. I then asked to speak with someone on their escalations team because I did not understand how the rate expired if I followed their instructions and it was SoFi 's delay in contacting me to ask for more proof of income. I then spoke with XXXX XXXX on their escalations team to explain the situation and to explain the pay stub and prove that I made the income that I represented. It appears that SoFi was simply looking at my gross income, however, as a travel nurse, I receive tax-free funds that are no included in that gross figure they were going off of. I explained XXXX XXXX that SoFi needs to add up the gross amount as well as the tax-free portion of the pay stub. XXXX XXXX seemingly understood and said that if all of my paperwork was initially in prior to the deadline, then I should receive the 3.05 % rate. She then stated that she would have a " reviewer '' look at my file and get back to me ASAP. Immediately thereafter, I also uploaded a new pay stub that I received ( since I was just paid again ) as well as a copy of my bank statement to show how much income I was receiving. On XX/XX/2021, I received an email from an " XXXX '' at SoFi indicating that they can only offer me a 3.55 % interest rate. I emailed XXXX XXXX asking why this was and I received a response from " XXXX XXXX '' indicating that the previous rate already expired and that this new rate was based on the income paperwork. This is just going in endless circles even though I accepted a rate of 3.05 % and submitted my necessary proof of income. SoFi appears to be luring consumers in with lower interest rates and then hitting them with a higher rate without any logical explanation- they simply repeat themselves over and over again. Their delay in processing your application and general incompetence has now forced me to accept a higher interest rate.
12/20/2019	Yes	Student loan Private student loan	Getting a loan Confusing or misleading advertising	PA 193XX	Web
I have a student loan with SoFi which has a rate of approximately 5.5 % for 15 years. I wanted to take advantage of recent decline in rates so I applied for a refinance at SoFi and XXXX XXXX. SoFi initally offered an initial rate of 5.149 % while I received a rate of 4.99 % at XXXX. On XX/XX/XXXX I received an email from SoFi for their rate match program. The advertising says that if I supply competitors documentation they would match that rate. I called SoFi on XX/XX/XXXX at XXXX XXXX to discuss the offer and was told that all I needed to do was to submit the documentation, pull my credit to determine eligibility and they can match the rate. I submitted XXXX XXXX 's offer and submitted the application. I received notification at XXXX XXXX from SoFi that the application was complete and that I can sign the documents. After review the loan docs, I found that the rate was still 5.149 %, I called SoFi and told them of the mistake and the representative on the phone advised that they would go back to the underwriter of the mistake and I should receive new loan documents. At XXXX XXXX I received notification again that the loan documents were complete. I checked the rate again and it was still the same 5.149 % rate. I called XXXX again this time the representative advised that they can't match the XXXX XXXX 's rate because the rate they offered is the lowest they can offer for the 15 year term. I said then why would XXXX send me an advertising to match a rate when they knew that they couldn't even go lower than what was offered?? I was transferred to a supervisor, his name is XXXX XXXX form the account specialist team and he explained that they recently changed their policy that they would not rate match if the rate is the lowest they can offer. I advised him that it was false advertising because they couldn't provide me a lower rate from the beginning. So why did they tell me to submit my application and re-pull my credit which has an adverse effect on my credit. He couldn't explain why. I told him that I checked the legal language and there is nothing that says that they will not offer a lower rate if it is the lowest they can provide. I have the email saved in my email box. The only thing he is able to offer is to submit a suppression of credit inquiry.
04/20/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	DC 20001	Web
I opened a personal loan in the spring of XXXX for {$50000.00}. This month, I contacted SoFi seeking to refinance with a lower interest rate. Their online system quickly gave me several options. In order to complete my application for refinancing, I needed to establish my income for XXXX and XXXX. When I opened the loan I was a W-2 employee, but in XXXX XXXX, I left that company and started my own XXXX. As a result, they asked me to provide both my XXXX and my XXXX taxes in full. When I tried to upload those documents to their system, they where too large. The company had no other means to accept these documents. I pointed out that my XXXX income was established when they approved my initial applicatoin and they agreed, but they still had no means for me to send them my entire XXXX return. They also insisted that I complete the XXXX return -- it couldn't be in draft form. They also asked for business banks statements which I was able to upload into their system. Keep in mind that they were insisting that I file my taxes before the XXXX deadline. I pointed out that I owe the IRS money this year. Why would I lose 4 months of cashflow in order to save 4 months of lower interest payments? My federal tax bill exceeds the interest rate savings by thousands of dollars. Ultimately I told them that since they couldn't accept my tax documents anyway, even if they were completed early, I wanted to withdraw my application. I then asked them if they had placed a hard hit on my credit. They had. I asked them to contact XXXX to suppress that credit request as I didn't want my credit score impacted. They agreed to and indicated that it would take as much as 90 days and that I needed to follow up with XXXX. Today SoFi told me that they " denied '' my application. How can they deny an application that I never fully completed? Again, I will follow up with XXXX to be sure my credit report isn't impacted, but here 's the thing that is so stupid -- I have paid this loan on time every month. I just want a lower interest rate. And my income is greater now than it was when I applied for the loan and my credit score is actually higher. This makes no sense that I would be negatively impacted because they don't have a system in place to help clients like me.
01/26/2016	Yes	Student loan Non-federal student loan	Getting a loan Can't qualify for a loan	MI 49022	Web
First of all, a bit of background : I have a good financial history in the US including several credit cards, an auto loan and a mortgage ( FHA ). I make nearly XXXX per year and live in a low cost-of-living area, so most of my income is available to service my financial obligations. I applied for a student loan ( private ) and it was denied because the XXXX that was issue by the United States Department of Homeland Security ( DHS ) was not sufficient for the financial institution to proof my permanent resident status. I am in the process of renewing my expired XXXX XXXX XXXX - XXXX ( expired on XXXX/XXXX/XXXX ) and have received multiple extensions to my XXXX from the DHS - United States XXXX XXXX XXXX XXXX ( XXXX ) since then ; in other words, I have not interrupted my resident status since XXXX/XXXX/XXXX when I got it for the first time but unfortunately for me, the XXXX field office where my case is assigned to has a significantly large backlog. Having said this, the DHS has not issued a XXXX to extend my status, they just stamped my XXXX passport ( the stamp states that I am permanent resident and have work permit until XX/XX/XXXX ). When I explained this to SoFi Lending Corp. they told me that : " In order to move forward with the refinance we will need a document that verifies your XXXX status. Unfortunately we are not able to move forward with an expired XXXX card and your current documents provided for the extension, which would include the stamp on your passport. We will need the documentation that your renewal was approved or a valid XXXX XXXX XXXX. '' I feel that I am being discriminated based on my national origin by SoFi Lending Corp. The fact that the XXXX issued my with a non-conventional kind of XXXX than a XXXX does not constitute a valid reason to deny my application. The eligibility requirements stated in SoFi Lending Corp. 's web page stated ( at that time ) that the requirement to be eligible for refinancing my loan is to be XXXX ( which I was and still am ), not to have the kind of XXXX they want ( this is something completely out of my control ). The application was to re-finance the student loans I have after getting my XXXX in XXXX XXXX at XXXX University ( XXXX campus )
08/31/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	OH 43537	Web	Older American
Went to lenders website and filed in base information. I.E. type of loan, reason for loan amount requested and my contact information. Got automatic reply stating that the loan was pre-approved! Went through the steps required, sending more information and answering replies to their emails regarding back up documentation. Sent email to CEO as requested on their website and was contacted by their consumer relations department. Received email two days later that loan was not approved for reasons they would not explain over the phone and the other reason because I had high revolving credit which is what I stated the purpose of the loan was to correct! Sent second email to CEO stating I thought their site advertising saying the loan was preapproved was misleading and false advertising and stating the obvious about the reason given for the decline response was the exact same reason I had applied for the loan. Again, no response from him but a contact from his consumer relations department saying they could not give me the real reason the loan was turned down over the phone but she could send me the credit report that violated their terms and conditions. These terms and conditions were never explained to me or listed anywhere on their website or advertising. This has caused me to again search for a personal loan from other companies and put another inquiry on my credit report for pursuing a loan so the next company can say to many credit inquiries as a reason for turning down a possible loan. Plus has set back the timing of consolidating my resolving credit situation costing me $ $ 's in interest at the higher rates. I believe their methods are very deceiving to the consumer and practices of asking for communication with the CEO are also a deceptive practice when he never really sees the complaint or addresses the issue even though it is promoted that you will communicate directly with him and they use his personal email as the communication point. I would classify this lender as a buyer beware company because they are not upfront with their practices and lending criteria. Just looking to take people off the market in the hopes of securing the business from other lenders. Lender SoFi Financial
03/20/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	CT 06902	Web
In XX/XX/XXXX, I received a promotion ( from SoFi credit card ) through the app for XXXX XXXX apr on balance transfers through a certain date ( past mid XXXX ). I had another card ( discover card ) that the XXXX XXXX was ending in XX/XX/XXXX, and I wasnt able to fully pay it off before the end date of the promotion ( new card ). I tried to do the balance transfer through the app, but it didnt go through several times. Eventually, I ended up calling in, and a representative did it for me over the phone. I went over the promotion with her and verified that I would get a year of XXXX XXXX apr from XX/XX/XXXX to XXXX. She confirmed it before executing the transaction. Furthermore, she even recommended not using the card for any other transactions, to keep the promotion active. In early XX/XX/XXXX, I received a finance charge of {$71.00}. I called in to find out why, and the rep told me that the interest kicked in. This didnt make any sense to me, because I didnt do a balance transfer and pay XXXX XXXX on the balance, only to be charged XXXX months later for interest. I had other cards I couldve used, but chose this XXXX - and this happened. I complained and asked them to file a work case. I called in a week later to find out about it, and the rep told me it was still in progress. I called twice in XXXX and was told the same thing. I just called XXXX minutes ago, only to be told that the case was closed XX/XX/XXXX- not in my favor. What happened to when I called in XXXX? And those XXXX reps I spoke to didnt record the fact that I called ( maybe because they were rude to me ). I truly believe the offer changed because I read it and went back to it for around XXXX weeks before I pulled the trigger. Even If I were wrong, their product advertisement was misleading and the initial rep did misrepresent the offer. I wouldnt have done the balance transfer, if I had known. The rep I just got off the phone with assured me theres nothing that he could do. Prior to this transaction, I didnt use the card for months. I didnt move {$5300.00} and pay XXXX XXXX of that to only get charged more interest than the Discover card. I regret doing that because of this experience. Is there any recourse here?
07/03/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	IL 60563	Web
On or around XX/XX/2022 I signed up and was approved for a SoFi credit card. On the same day as my approval, I used SoFi 's chat support and spoke with " XXXX XXXX ''. The chat log is as follows : XXXX XXXX : Hi, XXXX XXXX, thanks for choosing SoFi! My name is XXXX XXXX, How can I help today? Me : Hello! I want to check if my sign up bonus offer linked to my account is the XXXX offered here : https : XXXX Herson V XXXX When did you apply for your Sofi credit card? Me : Just now XXXX XXXX : That is the same promotion, however there are some other requirements for instance : To receive the offer, you must apply and get approved for the SoFi Credit Card and have an active direct deposit through their SoFi Checking and Savings Me : Right. My question is : for the credit card I was just approved for, is this offer tied to my account ( i.e., the spend {$1500.00} to get {$200.00} ). XXXX XXXX : Yes! Me : Perfect, thanks! Do you have an idea of how long after spending the {$1500.00} it takes for the {$200.00} statement to be reflected? Me : I just want to make sure to confirm it worked once I spend that amount. XXXX XXXX : It should be immediately Me : Awesome. Thank you so much. That's all I needed After meeting the minimum spend, I did not immediately receive the {$200.00} offer as a statement credit. I contacted SoFi using the chat feature again ( date uncertain ; around midXXXX ) and was told that SoFi would look into the issue and follow up with me. Today ( XX/XX/2022 ), I contacted SoFi using the chat feature again as I never received a follow up. I spoke with " XXXX XXXX '' and was told that " it seems [ SoFi 's ] special team declined our previous ticket, you spent the requirement of {$1500.00}, unfortunately we don't show a XXXX XXXX 's affiliate link was use. [ sic ] '' After describing the above, I was told there was nothing else that can be done except that XXXX can forward my complaint. He could not assure me that SoFi would follow up with me on this issue when I asked. I spent {$1500.00} using SoFi 's credit card in reliance on receiving the {$200.00} offer that I was assured was connected to my account. A proper resolution would be honoring this offer.
04/29/2019	Yes	Student loan Private student loan	Getting a loan Problem with the interest rate	MO 64118	Web
I have received many mailers and emails from Sofi over the past year encouraging me to apply to refinance my student loan. When I received an email specifically showing the range of rates I could qualify for, I submitted an application for their pre-approval process, which does not involve a credit check. The rate quoted was above my current interest rate, so on XX/XX/XXXX I called to inquire if the rate could go down before I formally applied. The associate I spoke too informed me that if I provided a statement showing my current balance and interest rate, Sofi would match or beat the rate, and that the pre-approval rate was not locked in. Knowing this, I applied later that day, and on XX/XX/XXXX returned a voicemail from the company stating that my loan was approved and I could electronically sign loan documents. The associate I spoke to on this day informed me that the approved rate ( which again, was higher than my current rate ) could not be changed. I asked if there was any way to look into a lower rate, and she told me absolutely not. I asked her to withdraw my application. I called back on XX/XX/XXXX ( today ), because I realized that Sofi made an inquiry for my credit report, which would potentially negative affect my credit score. I am not happy that I was told that Sofi would be able to match or beat a rate after applying, and then after the inquiry was told they could not. The associate I spoke with told me she was sorry for any misunderstanding, and that I could re-apply and see if I could get a lower rate again, since my current application had been withdrawn at my request. After this call, I received a message through Sofi 's message center stating that I could re-apply and provide the Regulation Z TILA disclosure from any loans that I am currently " shopping for '' and that they would consider matching that rate. I realize that the company can not " reverse '' a credit inquiry, so there is very little they can do about this. However, I feel it should be reported, as I was strongly encouraged to apply to receive a better rate. I never would have authorized the credit inquiry had I known that my current rate could not be matched or beaten.
03/15/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	UT 84037	Web
We set up auto pay on Sofis website to avoid any late fees. XXXX and XXXX XXXX payments were made. Looking at the payment history these 2 payments were credited to our account in error. So 2 payments in XXXX and 2 in XXXX. This equaled 4 payments instead of the 2 we made. This error was noticed in XXXX and 2 payments reversed. 4-2=2. However because correcting Sofis clerical error resulted in 2 reversals in XXXX it showed we did not make XXXX payment which in fact we did and it was received XX/XX/XXXX. So it showed we were delinquent and behind on payments even though we were not so then it kicked off the auto pay for XXXX. So Sofi tried saying we were late for both XXXX and XXXX. They have since sent harassing mail to help with mortgage payments and have called my employer when all of this directly reflects their clerical error. I brought it to their attention on XXXX and today is XX/XX/XXXX with no resolution in sight. I called XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX spending over 2 hours on each phone call between wait time and talking with a representative. The representatives not only were rude but claim they did not see the miss accounting with 2 payments in XXXX, XXXX in XXXX and several said they saw the reversal but didnt know what happened and could put in a ticket to investigate it. No one can give me updates. They cant transfer me to anyone to follow up. No supervisor can call me back. They even sent me to collections department rather than acknowledging their error and fixing the situation to show I did make the XXXX payment. Since their error resulted in XXXX payment not being drafted we wanted to wait till XXXX was accurately posted to make the XXXX payment however in the mean time finally yesterday XX/XX/XXXX out of fear of my credit showing Im behind 2 months mortgage I made 2 more payments ( a second one for XXXX and my XXXX ). This now us making 4 payments for the year- 1 in XXXX, 2 in XXXX and 1 in XXXX. I did not want to make 4 payments to be credited for 3 months of payments. I had to because Sofi conducted a fraudulent act by taking my XXXX payment and not posting it accurately then harassed me to make a payment that I already made
12/21/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 32935	Web
On XX/XX/XXXX I made a mobile check deposit for {$340.00} on a check written out for {$390.00}. I noticed the mistake posted and reached out to my bank, SoFi, for how to correct it. They told me I needed to talk to the bank where the funds were coming to get them to make the adjustment. In contacting XXXX Bank, the funds issuer, they told me my bank should be able to initiate a mobile deposit correction without any communication from them, but I could not make a correction with them because I am not the account owner at XXXX Bank. I talked to the account owner and they were able to initiate the correction, which happened on XX/XX/XXXX and was expected to complete within XXXX hours. The XXXX Bank account owner gave me a copy of the receipt for the adjustment. I contacted SoFi to follow up on XX/XX/XXXX since I had yet to receive an update and the representative told me they would get back with me if it had not been fixed by the end of the week. On XX/XX/XXXX I called SoFi because I had not received any updates. They told me they had not received the adjustment from XXXX Bank. I contacted XXXX Bank for status. They told me I could not get any information because I am not the account holder. I contacted SoFi again and they told me I could submit the receipt for their back office to process the transaction and they would contact me by COB XX/XX/XXXX, but I have received no additional information and neither bank seems to be able to make any progress with the other. The latest I got from SoFi was an email with the following : I did just get a response back from them. They are still pushing back stating the request has to come from XXXX Bank. They stated they will need the adjustment sent over by XXXX again for the adjustment to take place. I would recommendcalling again with that referencenumber. You don't need any info on the account but to let them know SoFi has not received the request from them and it needs to be resent. So sorry for the hassle! This is what I did earlier today and XXXX Bank would not tell me anything because I am not the account holder. There does not seem to be anything that either company is willing to do to progress this along.
02/26/2019	Yes	Student loan Private student loan	Getting a loan Fraudulent loan	IL 60103	Web
I applied as a cosigner in XX/XX/2019 with SOFI to refinance my daughters student loans. I completed the credit application and provided all documentation requested. I was never notified of a credit decision. My daughter was sent an email on XX/XX/XXXX that I was ineligible as a cosigner. I contacted SOFI on XX/XX/XXXX, and was told over the phone that my credit application was WITHDRAWN and an email was sent to me on XX/XX/XXXX, I did not know what WITHDRAWN meant considering i applied for credit and provided all necessary documentation for a credit review and was told that a hard credit pull was completed. I asked to speak to a manager to file a formal complaint based on the fact that I applied for credit regardless I was a cosigner or primary that I completed a credit application and provided any requested supporting documents which included a hard credit pull that I was not formally notified of a decision simply that they could just withdraw my request for credit. My complaint I believe includes several of illegal business practices. I believe if I did not qualify under SOFI 's standards then the application should have been declined, I should have received a formal notification in writing which would allow me to follow up as a consumer. I do not understand how a company can legally pull my credit and then simply Withdraw my application and not provide information to the consumer. I do not understand how the other party involved my daughter the primary applicant received an email that I as the cosigner was ineligible, when I myself as the applicant did not receive proper notice. I believe legally when a consumer applies for credit via a credit application provides all necessary documentation to complete the application the application needs to either be declined or approved and the consumer needs to be formally notified. I do not see how SOFI can legally pull a hard credit pull find a reason not to qualify my request and simply WITHDRAW my application. Tell me that my application is Withdrawn, and email my daughter that I am ineligible and not give me any information on why I failed to meet or what their credit requirements entail.
10/20/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	MI 48864	Web
I applied to get my home mortgage refinanced with SoFI. In order to start the process i had to get appraisal done and i paid SoFI {$520.00} to have appraisal scheduled. Appraiser came on XX/XX/2021. In his report i found mistakes that would affect the comparable and value of the house. The mistakes i found were 1. Missing half bath, misreporting of updates by saying no major updates done in last 15 years where as complete first floor remodel was done in last 2 years plus second floor flooring and paint. At first when i brought this up SoFI loan officers did not understand and told me i needed to provide them with list of houses that would be comparable and all the details in " reconsideration of value '' document if I want to try to have the appraiser review his findings. Even after paying the money for appraisal i was told to fix the problem. They told me that because the underwriting had accepted the appraisal they can not do anything. i had lost my trust in the company at this point as they are accepting falsely documented information for such a big transaction. At this point i wanted to get my refund for the appraisal so i can go somewhere else for my refinance needs. They took long time to resolve the appraisal issue and that caused me immense stress and missed opportunity to get a good rate in timely manner. They insisted on fixing the report saying the value does not change since the missing info is not significant. Even though they gave me updated report it was prepared for SoFI and it is useless for me. I am still under distress because of this issue. Their own team is sending me decision that the mistakes on the report was not significant and we have decided to not refund the money. I believe that if it was the other way around and by mistake my house value was more because of an additional bath, they would have said it was significant and take money off so they can give me higher rate. I believe, they should refund me my money but I am really looking for an impartial 3rd party to give me a good reason why the company does not need to give me a refund. So i can move on and never work with them again. Thank you
06/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 163XX	Web	Older American
I reported on XX/XX/2022 to the Federal Trade Commission that my Identity was stolen by someone who opened a XXXXXXXX XXXX Checking Account and a SOFI credit card for {$1000.00}. I did NOT open either of those accounts and I was informed they were both opened on-line. My email was also used ; and that is how I learned about the Identity Theft with XXXX XXXX. I learned of the fraudulently opened SOFI account when SOFI sent me a letter demanding payment. I believed it was a scam at first ; when a second letter came, I reported to the FTC Identity Theft. On XX/XX/2022, with the help of the FTC, I changed passwords on all accounts, changed my email address, reported FRAUD to all three credit rating bureaus, placed FREEZE alerts on all three credit reporting agencies, sent a letter composed to SOFI and XXXXXXXX XXXX to inform them of IDENITY THEFT and I contacted via telephone the involved companies as well. To this date, XXXX has REFUSED to remove the fraudulent account, it is now posted on my credit rating as being months behind, and my credit rating has dropped about 100 points, from high 700s to 600s. I have contacted XXXX multiple times, have called them, and sent them every report they requested : the FTC report, the PA State Police filing report ( case number ), and the information of the SOFI credit card that is Identity Theft. I have minimal credit cards, and they are ALWAYS PAID ON TIME. I have a mortgage that is NEVER LATE. That payment is well above the amount of the fraudulent SOFI credit card. I received a new letter from XXXX on XX/XX/2022, and again, they are refusing to remove the fraudulent SOFI account and my credit rating is negativity impacted MONTHLY. I was informed by SOFI that they are aware the credit card was opened fraudulently and through Identity Theft and I was told they would tell XXXX that, as XXXX informed me they were contacting SOFI to investigate. Yet, XXXX is refusing to remove the fraudulent account. I called the Federal Trade Commission again, today, XX/XX/XXXX, to report the letter from XXXX of XX/XX/XXXX and I was informed to contact the Consumer Financial Protection Bureau now.
12/12/2017	Yes	Student loan Private student loan	Getting a loan Problem with signing the paperwork	CA 92679	Web
On XXXX/XXXX/XXXX, my daughter started an application with SOFI to refinance her private student loans. The rate she was quoted was high, so she listed me as a co-signer to get a lower rate. I received an application to complete as a co-signer. Once completed on line, I expected to see the new rate offered on the loan. However, all I received was a loan agreement to sign stating that I would make payments etc. When I called SOFI and spoke to a random agent, she said I could not see the rates and terms until I signed the loan agreement. She told me what the original rate was that my daughter qualified for on her own, but would n't discuss what the new proposed rates were since I had n't signed the loan agreement ( remember we are still in the application phase of this loan. ) When I refused to sign the loan agreement until I saw the terms, she suggested that I contact my daughter and have her look up the terms. My daughter discussed the terms she received which sounded reasonable so I went ahead and signed the loan agreement. However, I still had no access to the terms. My daughter signed her loan agreement and I received an email on XXXX XXXX, XXXX saying that she had signed the loan documents. I went on line to view the terms and still was not granted access. I called and was connected with a random agent and explained that as a co-signer I had the right to view the terms of the loan. The agent said that my daughter was the primary borrower and I was only there in case of default so I was not entitled to see the loan terms and documents. He suggested that I sign in as my daughter so I could see them. I am a co-signer on the loan, not a guarantor. I believe that banking regulations treat co-signers as co-borrowers and am appalled that I had to sign a commitment to pay without seeing the terms first hand in a document. Even after I signed and requested the loan documents, I was denied access. I realize SOFI is not a bank, and have contacted you to make this a formal complaint. I have had to commit via a loan agreement to a refi of a student loan of just over {$99000.00} without seeing any of the terms.
10/02/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TX 752XX	Web
On XX/XX/2020, I notified SoFi of transactions that I did not make nor did I authorize. I followed SoFi.com directions on how to dispute unauthorized transactions. The transactions total {$2800.00}. SoFi has partnered with The XXXX XXXX for the MasterCard debit card these transactions were made with. On XX/XX/2020 I received an email stating that my dispute was not going to be processed. SoFi was not going to submit the dispute according to the MasterCard master merchant agreement. SoFi did not submit the dispute to The XXXX XXXX. When asked why I received an email stating " During the course of all of the transactions you are disputing, there were no failed PIN attempts or declines in reference to the charges indicating whoever was using the card knew the available balances ; this is including multiple deposits made during the time period. '' This is not a true statement. I contacted all the merchants in an attempt to dispute the transactions directly with them. Most of the merchants told me to file a dispute with my bank, that they can not just refund a card. One of the merchants told me that nothing matched my information, specifically my name. Meaning the name used to make all these online transations wasn't mine. The explaination also states no failed pin attempts. All of these transaction were online, no merchant asked for your pin for an online transation. As far as the declines, that statement is also not true. On XX/XX/2020, another transaction I did not authorize hit my account. Filed a dispute and again was denied. The response I received was " 1. You have had previous transactions with the merchant. 2. There have also been multiple attempts for other transactions with the merchant that were denied due to insufficient funds in the account. Just because I did business with the merchant does not mean that I authorized any additional transactions. The first response said i was being denied because there were no attempts denied and the second response states i was being denied because there were " multiple attempts for other transactions with the merchant that were denied .... ''
03/09/2021	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	VA 220XX	Web
SOFI lending sent me an offer for a private student loan which I had some interest in for my son 's current tuition and cost of living. SOFI does not disclose any details on loan terms until after your application is approved so I submitted an application to see what the terms would be. After SOFI approved my loan I asked for the terms and found the terms nearly userous in spite of my stellar credit and asked them to cancel my application immediately which I was assured would happen. Within two days hence I recieved a " notice of disbursement '' to XXXX XXXX and SOFI had released funds against my wishes. I called quickly and asked them to stop payment and they said " too late '' I would need to contact XXXX XXXX to return the funds putting the entire burden on my shoulders for their mistake. I have subsequently spent TWO MONTHS making more than 30 phone calls and countless hours negotiating the return of the funds between XXXX XXXX, State of VA, SOFI, and XXXX. The funds dissappeared multiple times for weeks at a time in the handling process leaving me wondering if they were permanently lost or stolen. It was so easy for SOFI to release funds without my go ahead, yet nearly impossible to get them returned. While this was happening the loan aged to a point where it was greater than 60 days past due, my credit file has been impacted along with late fees that SOFI wants to collect. All in All a horrifying experience mired in loan shark mafiosos tactics that need to be cloesly monitored for this fringe operator. SOFI seems to aim for the minimum standard of compliance and and may be operating below the legal compliance threshold to keep their cost low and profitability high. Their servicing arm XXXX was 45 days in arears on data flow and has kept me in their collection system long after the refunded loan proceeds were credited to my account, seems like a violation of law here. Please get eyes on SOFI and XXXX to straighen these systemic failures from ruining the lives of other unsuspecting consumers. SOFI needs to clean up their act or get banned from doing business in my state.
02/24/2021	Yes	Student loan Private student loan	Struggling to repay your loan Can't get other flexible options for repaying your loan	LA 71118	Web
I am having an issue with my loan refinancing agency. I have refinanced my private loans through XXXX, and Sofi/XXXX XXXX. The loan is a 7 year XXXX refinance loan with an interest rate of 5.375 % fixed loan. The loan was issued XX/XX/XXXX. The initial agreement was for a $ XXXX monthly payment for a total of 54 months. I applied for the loan during my XXXX XXXX and finished my XXXX in XX/XX/XXXX. After XXXX, I pursued a fellowship in XXXX XXXX. I am currently not an XXXX XXXX and have one and a half years left before I can start getting paid like one. Since my XXXX was finished the loan reverted to full payment after 6 mths. I applied to re-instate the {$100.00} as I had not utilized the full 54 month period. However, my application was declined because the loan company had realized that my school was not a XXXX XXXX school at the time of my graduation. They told me it was an accident that they even let me refinance in the first place, as they did not check this prior to issuing my loan. However, now they are charging me about $ XXXX/month. I only make {$62000.00} yearly and am in no way able to pay this off with my current salary. I have called them numerous times and have been constantly redirected between SOFI, and SOFI/XXXX. I tried to apply for forbearance through SOFI/XXXX, and they declined my application as they reported I am do not meet the criteria for economic hardship. I then looked to refinance my current loan again through SOFI and they keep declining stating that my school is not a Title IV school so they would not make any changes on the loan. In short, the loan company is not allowing any flexibility in reducing my loan payments or restoring the original contract to {$100.00}. I know that once I do become an XXXX XXXX, I will be more than capable of paying off my loans but as it stands I currently am unable to do so. Additionally, I am unable to refinance the loan through other companies as even they believe my monthly payments would be more than my current income. Please help me address these issues, as they do not seem to care about my ability to pay the loans.
03/02/2022	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Transaction was not authorized	NJ 07601	Web
In the month of XXXX in 2021, my personal information was used to apply for multiple loans. One of which with a lender, Sofi Lending, was successfully processed and funds were wired out of my bank into some sort of cryptocurrency wallet. By the time I had discovered the fraudulent charges and activities, it was too late and the cryptocurrency platform/company had advised the transactions were not able to be reversed since the entity had withdrawn the funds funded by the lending corporation. I have tried since the end of XXXX leading into XXXX and up to date to resolve the matter directly with the lending company and bank. So far I have placed an identity theft alert and fraud alert on my accounts and closed my bank account that was infiltrated/hacked into. I have submitted affidavit forms with my bank and they should be under internal review/investigation. In the interim I do not feel comfortable with my credit being ruined as I have no previous history of ever missing payments or overdue balances on any of my legitimate credit lines. I have filed a police report and can provide copies of all documents as needed. The personal loan pulled under my information is for an amount I will not be able to manage and I strongly disagree that it should be my responsibility as I have not used any of those unauthorized funds to begin with. This is not only straining my life mentally and physically but financially it is definitely placing me in a very uncomfortable situation. I have been employed with the same company for the past 3 years and receive my compensation that it more than enough for me to pay off my expenses and still leave me with some to save on the side for my future financial goals. Please provide assistance as the lending corporation has not made any movement on their end even after I submitted the fraud packet back to them with all the documents they requested I provide. Fraudulent Loan was processed in the amount of XXXX. ( 3 ) Unauthorized wire transfers were processed - taken from my account into a bitcoin wallet that is pretty much untraceable.
07/27/2021	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	AZ 85027	Web
Upon opening up this account with Sofi, it was advertised and opened as an account that would allow you to overdraft up to {$50.00} if you qualify. The qualifications were you would need to have at least {$1000.00} in direct deposits monthly. They also had a promotion that ran concurrent with the overdraft protection but for direct deposit itself. If you set up direct deposit you would get {$100.00} as a welcome bonus. You would need {$1000.00} in qualifying direct deposits in order to qualify for the {$100.00}. On XX/XX/2021 I received my {$100.00} welcome bonus. Hence, that means I must have had qualifying direct deposits, as I had. However, I never ever til this day was able to use my overdraft. I relied on it, despite never using it, but being that I had qualified month after month, at one point I put my trust in Sofi to see the logic of why I should qualify for overdraft and provide this feature that they offered and I established this account to use. I was told by a manager that my direct deposits are being coded as deposits. Due to this misnomer, no fault of my own, they never gave me access. I emailed, I went on social media, I spoke with various departments. I was told to wait like 2 weeks and then once I qualify with the {$1000.00} deposits again, it would work. I subsequently moved my deposits elsewhere since I need overdraft at time, and after months of qualifying and even getting a bonus paid out due to direct deposits being received, it is infuriating that they did nothing despite my numerous complaints to provide me the benefit they dangled to cause me to get the account. I have since been told that I would just need to qualify again with the deposits in order to get the overdraft, which they fixed now for my account I guess. But I had been inquiring since XX/XX/XXXX and have been ignored and lied to along the way, and so I just had my deposits go back to my prepaid account that offered overdraft coverage at a higher amount and without a debacle over the difference between a deposit and a direct deposit.
02/01/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	CA 90291	Web
I applied for, and received, a 24-month loan of {$7000.00} from SoFi on XX/XX/2021 to pay for one-time moving expenses to start a new job in a different city. I remain a customer and have continued to pay back the loan on the prescribed monthly schedule. The loan website included a banner promotion that indicated I would receive {$350.00} cash bonus for signing a loan as a new customer of SoFi. Although I have received correspondence from SoFi confirming receipt of my monthly payments, I received no subsequent information about this bonus, via email, phone, mail, or otherwise. I did, at the time, take a screenshot of the banner promotion. I include in this complaint. Today, XXXX XX/XX/2021, I looked at my account for SoFi in order to check the interest payments and initiate a transfer to pay down more of my loan 's principal, and realized that I had not received the {$350.00} cash bonus. I subsequently spent a great deal of time talking to SoFi support : first, through their online support, who was unable to help me but referred me a number ; second, through a representative, who confirmed my eligibility for the cash bonus, but informed me that I had forfeited the eligibility because 30 days had passed and I had not opened a " SoFi money account. '' This is the first time I was informed of the need for a " SoFi money account '' as distinct from the personal loan account that I had already opened with SoFi. When I asked for a transcript of the conversation, I was instead referred to a manager ( email correspondence attached ). The manager told me verbally, " [ I/we ] apologize that you didn't get paid for the bonus as per the advertisement, '' but in subsequent email correspondence indicated that, because I did not open a " SoFi Money Account, '' I am ineligible for the payment. This {$350.00} promotion was the primary reason that I chose SoFi in my selection of different lenders. I knew that the interest payments would be high, but that I would be able to pay off the loan sooner than the schedule indicated.
06/08/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	FL 33409	Web
- Signed up for a SoFi Credit Card on XX/XX/2022 through XXXX XXXX where I was offered {$200.00} if I spent {$1500.00} within 3 months. I was instantly approved for the card when signing up. - I completed the {$1500.00} spend requirement on XX/XX/2022. - I chatted with SoFi support on XX/XX/2022 asking when I would be getting the bonus since I completed the terms. - The support agent said they would put in a ticket with the backend rewards team to see if they can check into it and I would be getting an email from them with an update. - I then chatted again with a SoFi support agent on XX/XX/2022 asking for an update on the ticket since I never received any email communication. - I was told by the support agent that I did not signup though XXXX XXXX and that I signed up through the SoFi website. I told them I 100 % did signup through XXXX XXXX and have screenshots. I then provided them the screenshots and the SoFi support agent said they would attach them to a new ticket and I would be receiving an email with an update. - Today ( XX/XX/2022 ) I called SoFi support and once again asked for an update on the ticket since I did not receive an email. The support agent told me the rewards team denied my request again because it shows on their end that I did not apply for XXXX XXXX. - I explained to the agent once again to look at the screenshots which clearly shows I signed up through a partner link ( XXXX XXXX ). - The agent offered for me so speak with their superior and I said yes. The " Account Manager '' then came to the phone and reconfirmed everything in the notes and told me there is not much she can do as a manager. - She offered to speak directly with the rewards team to get it appealed and that she would call me back between XXXX EST today ( XX/XX/2022 ). - The account manager XXXX called me back at XXXX and told me there's nothing they can do. She said that I got a higher tier bonus of 3 % which quite literally did not exist at the time I applied for the card. So that was clearly made up.
05/11/2020	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	CA 94607	Web
On XX/XX/2020, I sent a bill payment via SOFI Money 's bill payment service through the app on my XXXX in the amount of {$66.00}. I have used the service repeatedly to send checks to my water billing company ( XXXX ). I received an invoice from XXXX on XX/XX/XXXX showing that the payment for {$66.00} had not been applied to my account. I attempted to review the details of the transaction in my account, but I was unable to view a canceled check or otherwise verify that the check sent on my behalf was deposited. I reached out to SOFI on the same date - via the email that was associated with the transaction : XXXX. After numerous emails back and forth with support on XX/XX/XXXX, I was unable to get any information about whether the check had been cashed, even though the money had been deducted from my account on XX/XX/XXXX. I followed up on XX/XX/XXXX and XX/XX/XXXX and still was unable to receive a response about whether the check was cashed. Since there is no phone number available for customer service, I chatted with support on XX/XX/XXXX. I again inquired as to whether the check for {$66.00} was cashed. The support person told me he could not find out and the issue would have to be " researched. '' I explained that I had already been told it was being researched as of 6 days prior, and I still hadn't received a response. I asked to escalate the issue and file a complaint, and was told that a complaint had already been filed even though I did not file a complaint previously. I then asked to speak to a supervisor and requested a call back, but I have yet to receive any call back. So SOFI has taken the money from my account and held it for 2 months but after a week is unable to provide me with any information showing whether the check has been cashed, meanwhile I am being charged late fees for the payment being late because I am unable to produce any record showing that it was received by XXXX. SOFI offers this banking service but is unable to provide the basic details associated with the transactions.
06/19/2018	Yes	Student loan Private student loan	Getting a loan Denied loan	NY 117XX	Web
I attempted to refinance my student loan with my current student loan company XXXX XXXX. I applied with a co-signor who is not a XXXX XXXX of the United States. At first, I was unsure if my co-signor would be eligible, however on XX/XX/XXXX, I contacted the company and was informed that co-signors were allowed if they had certain US XXXX. I sent my co-signors XXXX information and provided all the documents that were required. I was approved for a fixed payment of {$1500.00} for 15 years. Sofi required a few documents to complete the application, which were provided. On XX/XX/XXXX at XXXX XXXX I received a call stating the only item that was needed was a clearer copy of my co-signors ID. The ID was uploaded to Sofi 's website at XXXX and I was told on the previous phone call that my loan would then go forward at the original terms. However, I received an email at XXXX XXXX on XX/XX/XXXX stating Sofi was unable to offer me credit as I was previously approved. They offered terms at a higher interest rate with a monthly payment amount of {$1600.00}. Sofi 's reasoning to increase my interest rate was my income differed on my application. On XX/XX/XXXX, I called Sofi to discuss why my income had differed because I had inputted my correct income. I was informed my income was not the issue, but Sofi was unable to accept my co-signor. On this call I was told it was not their policy to accept a co-signor who is not a XXXX US XXXX. This information contradicted the previous information they provided and Sofi had been in receipt of my co-signor 's XXXX information as of XX/XX/XXXX. However, as of XXXX on XX/XX/XXXX my application was being accepted with my co-signor. It seems my interest rate was increased at the last hour in order to get my to pay a higher interest rate. I attempted to refinance my loan because I am currently in an adjustable rate and it continues to increase. I am beginning to struggle to make the payments and this will continue to worsen if my interest rate continues to increase.
06/07/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	GA 30214	Web
MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX CELL ON XXXX XXXX 2017 I APPLIED AND WAS GIVE AN APPROVAL FOR A LOAN FOR {$64000.00}. I WAS TOLD THAT IT WOULD BE REVEIWED AND WOULD TAKE APPRX 3-5 DAYS FOR FINAL APPROVAL. I SENT ALL OF THE REQUESTED & REQUIRED INFORMATION IN. BUT EVERY TIME I DID SO THEY ASKED FOR MORE INFORMATION. AFTER ALMOST 2 MONTHS ON THEXX/XX/XXXX 2017 THE LOAN / CONTRACT WAS COMPLETED AND SIGNED AND I WAS ADVISED THAT I WOULD BE FUNDED WITHIN 3 BUSINESS DAYS. BUT THEN ON XXXX XXXX 2017 I RECEIVED A TEXT AND A EMAIL STATING THAT THE NEEDED ADDITIONAL INFORMATION. I CALLED AND SPOKE TO THE OPPS MGR XXXX XXXX XXXX @ XXXX WHO REPORTS THAT NOW AFTER BEING APPROVED, REVEIWED OVER THE LAST TWO MONTHS, NOW THEY NEEDED SOME OTHER INFORMATION THAT WAS NOT REQUIRED TO GIVE ME THE FINAL APPROVAL OF MY LOAN, BUT THEY WERE GOING TO REVERSE THAT CONTRACT AND ASK FOR MORE INFORMATION. IT IS MY BELEIF THAT SOFI HAS PATTERNS AND PRATICES HAT ARE DISCRIMMINATING IN NATURE. AND I BELEIVE THAT SOFI HAS BEEN LOOKING FOR SOME REASON TO DENIE ME OF THIS LOAN VS GIVING ME THIS LOAN BECAUSE OF MY RACE, COLOR, OR CREED. YOU CAN NOT APPROVE AAND FINALIZE A LOAN, HAVE A SIGNED CONTRACT FOR SAID LOAN, SEND ME A LETTER SAYING SO AND NOW TAKE IT BACK FOR NO OTHER REASON AND DISCRIMMINATION. XXXXI WAS APPROVED ON XXXX XXXX 2017, AND THE CONTRACT WAS SIGNED ON XXXX XXXX 2017 AND COMPLETED FOR FUNDING. THIS IS A CONTRACT AND THEY HAVE A RESPONSIBILLITY TO FULFILL THAT CONTRACT. XXXXI THEN SENT A LETTER TO THE CEO XXXX XXXX XXXX @ XXXX@XXXX, AND ON THE XXXX XXXX I RECEIVED ANTHER LETTER FROM SOFI SAYING THAT NOW I HAVE BEEN DENINED A LOAN AT FROM SOFI WITH A XXXX CREDIT SCORE FROM XXXX XXXX 2017. I WAS ALSO LOCKED OUT OF ALL OF ME ACCOUNT INFORMATION AN OF XXXX XXXX 2017 AND CAN NO LONGER SEE MY ONLINE ACCOUNT OR STATUS. XXXXI HAVE A COPY OF SAID LETTER ALONG WITH VERIFIING INFORMATION AND EMAILS TO CONFIRM THE STATUS OF MY SAID ACCOUNT. XXXXYOU MAY CONTACT ME @ XXXX@XXXX, OR MY CELL XXXX.
04/28/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	OH 452XX	Web
Filed an application for personal loan on XX/XX/XXXX. They required paystubs and ONLY paystubs as proof of income and employment on their application. I am paid from a government grant and submitted my tax documentation and offered my W-2 in order to verify my employment. The customer service agent told me I needed to get additional documentation from my work outside of a W-2 to verify employment for which I decided to withdraw my application on XX/XX/XXXX as they insinuated they could not verify my app. with a W-2. As I was now unable to get approved by other bureaus due to a recent unsecured loan which I withdrew, I reconversed with SoFi customer support who indicated that they actually COULD verify my employment with a W-2, contrary to what I was told before withdrawing my original application. When I opened a new application on XX/XX/XXXX for 1. the same loan amount, and 2. without a new credit check as they store credit info for 30 days my interest rate had increased 15 % from the original loan offer. When I asked what warrants an increase of 15 % in 1 day, for the same amount, and with no change in credit I was told that rates are based on credit check ( which remained from the original application ) and the application amount requested/income ( which had not changed ). When I requested further information or someone to talk to regarding this extreme increase they claimed to not have access or know what the rate was based on. A 15 % increase in one day for the exact same application seems extremely predatory? and based entirely on the whims of the company and not the actual market or application. I would like a response from the company which outlines specifically the basis for the 15 % increase in set interest rate between my two applications and I would like the inquiry on my credit from this company removed as 1. I withdrew on the basis of receiving incorrect information, 2. they refuse to provide a fair rate, and 3. render me unable to secure a fair loan from another company
11/17/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 94303	Web
I applied for a loan with Sofi ( sofi.com ). I was approved for the loan. I have not yet signed the papers to receive the loan - that is where the problem occurred. Once they alerted me ( via email ) that I was approved, I logged into my online account, ready to sign the papers for the loan. First, SoFi wanted me to confirm my identity. That makes sense. I had gone through identity checks before, so I was expecting them to ask routine questions. They asked me XXXX questions to identify myself, and XXXX of them were routine. XXXX asked me to identify a street I have been associated with. That was routine. Another asked me to identify the type of car I had owned or leased. That was also routine. The third question was very strange to me. The last question asked " What month was 'A Person ' born in? " The person the question asked about XXXX my siblings, but I have no idea why they asked me about that sibling 's birth date. I have never shared a rental agreement with that sibling, I have never co-signed a loan or a held bank account with that sibling ... I have never had any credit or financial history with that sibling. Therefore, I do n't understand why a ) SoFi asked about my sibling when that sibling and I had no credit history together or b ) how SoFi connected my information and my sibling 's information together in the first place. How did they know to ask about that sibling? Just as importantly, how did they use the information they had obtained about my sibling? What if they used my sibling 's credit history ( which I am not familiar with ) to make decisions about my loan terms? This seems like a violation of privacy, or misuse of my personal information. I contacted SoFi customer support via instant messenger and the person did n't really understand my question. That was on Wed. XXXX/XXXX/2015. That person referred me to call customer support, which I did, also on XXXX/XXXX/2015. I left a message about the situation and asked for a call back, but have not yet received XXXX.
10/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL XXXXX	Web
In XXXX of XXXX my father-in-law suffered a XXXX XXXX and my wife had to stop working for 4 months to care for him. As a result, our monthly income was decreased. I contacted my credit card companies and loan companies and asked what payment assistance they can give. My credit was impeccable. No missed payments in 20+ years. Every company assisted in allowing me to defer payments or allowed me to pay a lower payment or interest only. Nothing negative was reported on my credit. However, when I spoke to Sofi Lending Corp in XXXX of XXXX, they said they would allow me to skip 3 payments and it would be added on to the end of the loan. I spoke to a XXXX XXXX XXXX at Sofi ( email address : XXXX ). I received an email with a link to the secure message. The message has since been removed from the Sofi document center. But I have a copy of the email. Everything was agreed to verbally ( as was with XXXX, XXXX, and XXXX XXXX XXXX, all of them were extremely accommodating during the medical crisis ) I skipped the first payment as instructed and then I was receiving past due phone calls. Each time I spoke to them, they said their system wasn't updated as I explained the agreement. Each time they said they updated my file to show the deferment. But they kept calling for the next few months and I as adamant that my credit not be affected. They assured me it would not. I started making regular monthly payments in XXXX of XXXX and made the monthly payment on time each and every month. However, when I applied for an auto loan in XXXX, my credit score was greatly decreased due to multiple missed payments on my Sofi account. I contacted Sofi MULTIPLE times and they keep telling me all they show is the account was consistently past due. THIS IS INCORRECT. I contacted the credit bureaus, all 3, they said Sofi is claiming the information is correct. I need to have my credit information updated to show that NO PAYMENTS WERE EVER PAST DUE TO SOFI LENDING CORP .
04/02/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 33328	Web
On Monday, XX/XX/2021, I was looking for a {$70000.00} Personal Loan to fund a renovation I am running in my house and I checked the rates with SoFi ( Social Finance , Inc. ) and they were attractive. They only pulled a soft credit with a credit bureau ; they pre approved me. Then, next step was to send an official application, when they would pulled my credit info from a bureau. In a given screen about immigration status they offered 3 options to be chosen from : XXXX, XXXX XXXX holder, Non-immigrant ( option that would limit the the loan to T {$35000.00} XXXX. I, then, on the same day XX/XX/XXXX, chatted with a customer support representative BEFORE SUBMITTING THE APPLICATION to understand what I should do as my situation is having an EAD/Advance Parole holder with a EB-5 Green Card application approved ( I-140 ) awaiting the card to be issued. I was informed by the agent that if I had the approval letter I could submit my application, as a green card holder. Note : I was logged in so they have that conversation store in their system. I proceed with the application and was approved for up to {$90000.00}. I ended up keeping a {$70000.00} request. Following, they requested me to send me my docs and after a lot of back and forth a agent calledXX/XX/XXXX. stated clearly that I had to submit an I-797 Form with my green card approval to be finally approved. I sent that and after more back and forth the agent XXXX XXXX denied the loan unless I fulfilled this absurd request to add a XXXX or XXXX XX/XX/XXXX holder to my application as a co-signer ( even to get less than {$35000.00}, the opposite of what they stated before ). I refused to do so as I earned a great credit as an individual, paying my bills and taxes diligently and I am the only responsible for my personal finances. Then, they denied my request, left me without the loan and with a credit score hurt by their hard inquiry - even though I presented all documents requested.
11/08/2021	Yes	Checking or savings account Checking account	Managing an account Banking errors	NY 100XX	Web
I had my SoFi money account hacked on XX/XX/2021. They got into my account, changed my primary email, password, and phone number. Once I checked my account that day and saw the fraudulent charges and transfers, I immediately filed disputes for all fraudulent charges and transfers that had been taken out up to that point. I also instructed the customer service team to freeze/restrict my account so no further damage could be done and no more money could be stolen. I was instructed to call back to file the rest of the disputes the next day on XX/XX/XXXX because they couldnt file disputes while charges were still pending. I woke up the next morning to another {$5600.00} taken from my account. SoFi did not freeze/restrict my account as I instructed which allowed more money to be stolen. By that time the hackers had stolen {$10000.00} in funds from my SoFi money account. I filed a police report for felony grand larceny on the XXXX when I was able to show evidence of all fraudulent transactions to the police. I then sent the police report to the fraud department at SoFi. After over two weeks of zero contact from them via phone or email despite my many calls and emails to them, they denied all disputes saying they see no evidence of errors. Every person I spoke to from the customer service department said its very evident its fraud but that decision is up to the security/fraud department . And now my account is frozen while they investigate. Which means I have no access to the remaining funds in my SoFi money account. I have done everything humanly possible to demonstrate this is fraud at a high level and SoFi still denied my fraud claims. They tout their platform as very safe and zero fraud liability for their customers. Which is the exact opposite of my experience with them. My life savings was stolen from me and they are doing nothing to help me as a SoFi customer. I want this investigated and I want everyone to know how awful SoFi is.
01/06/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA XXXXX	Web
In XX/XX/XXXX, I received a collection notice from the collection agency XXXX XXXX, stating that I owed the original creditor SoFi Securities {$1100.00}. The debt was then purchased by XXXX XXXX I had no prior knowledge of this debt and contacted SoFi Securities for the background. I learned from SoFi Securities that someone used my identity to open a money account in early XXXX. The person overdrew {$1100.00} from this account and never made a payment. In XX/XX/XXXX, I contacted XXXX XXXX and explained to them about the identity theft that the debt is not mine. I also filed a police report and a Identity theft report with the Federal Trade Commission. I also mailed XXXX XXXX a formal letter along with copies of identity theft and police reports ( see attached ). I also submitted copies of the reports to SOFI Security. In XXXX, I received a fraud packet from XXXX XXXX XXXX, a collection agency that is related to XXXX XXXX. A fraud packet asked for details about the identify theft. I completed the package and sent it back along with a police report and identify theft. However, in XX/XX/XXXX, I still received another collection notice from XXXX XXXX XXXX stating the debt is now placed with them for collection ( see attached ). I called them and the representative told me that my identify theft report and fraud packet were denied. She was unable to give a valid reason of why it was denied and insisted I owed them the debt. I would like to submit this complaint as the debt was not mine. I have filed a police reports, identity theft reports, and signed affidavits that I am a victim of identify theft. Would you please help provide a solution to the situation as the collection agency is still going after me for a debt I do not owe. My concern is without a solution, they will continue to contact me and potentially impact my credit. Please let me know if you need further information to move forward with this complaint.
01/14/2020	Yes	Student loan Private student loan	Getting a loan Confusing or misleading advertising	NY 10023	Web
In early XXXX, we reviewed lenders for a student loan refinancing. At that time, we spoke to a Sofi customer service agent who brought to our attention that Sofi offers competitive rate matching and did not include any caveats - just that you need the offer from the competitive bank and can submit for Sofi to match. On XX/XX/XXXX, we decided we'd like to move forward with Sofi, but their offer was 36 bps higher than the best competitive offer. Again, I spoke to a Sofi customer service agent, this time on their chat service, and he confirmed they offered rate match. He even walked me through the process of where to upload the competitive offer document. At NO point, did either agent state that Sofi still had to review the rate and evaluate IF they would mate. Just that they matched. Based on the agent 's information, we decided to place our formal application with Sofi and included a hard pull on my husband 's bureau, impacting his credit score. After the submission, we were told that Sofi would not honor the competitive rate as a new policy launched in early XXXX no longer allowed them to go below their lowest offered rate. This meant that they in fact did not rate match in our situation. I proceeded to call in and explain how this was misleading marketing and at no point, did the service agent explain this. In fact, they lead me to believe the competitor rate would be honored no problem. This feels 100 % as a bait & switch and predatory lending. If we had been told the company 's actual policy, we would not have submitted an application with Sofi and all would be ok. Instead, the company will not honor our conversation with their agents and after further review, has turned down our rate match. This is exactly what I believe the CFPB is here to help consumers with since they companies are more powerful than an individual person and I have no leverage to hold them accountable for this misleading practice.
01/29/2021	Yes	Student loan Private student loan	Getting a loan Denied loan	TX XXXXX	Web
I applied to SoFi to refinance a private student loan in the amount of {$29000.00} on XX/XX/21, because they were offering great interest rates, following a short inquiry. Upon seeing my rates/terms, I proceeded with the application, which requires a hard credit pull. Assuming at this point it's a formality, since I was already offered terms based on a the quick inquiry. Upon submitting my application, it was under review for several days. On XX/XX/21, I received notice that my loan application was denied for the following reason : Does not offer credit on the terms requested. Not fully understanding what that means, I called and spoke with their customer service representative, who didn't seem to understand the issues and started by giving me multiple excuses that didn't make sense. After putting me on hold for a while, they returned to tell me that they won't offer terms on loans if the school I attended wasn't a XXXX XXXXXXXX school. This is incredibly misleading because at no point does this application process turn you away, or warn you that if your school isn't listed, or if it's not a XXXX XXXXXXXX school, they won't offer terms for refinancing. They even provide an option to select " other '' if your school isn't listed, and give you the opportunity to provide your school. Had I known this piece of information prior to submitting the application, I would've opted out of submitting to avoid a hard pull on my credit. Their entire process is misleading, by making it seem like they have terms that you're pre-approved for, and then turn around and deny the loan for the original loan not being tied to a XXXX XXXX school. Now I have a hard pull on my credit report, which I am stuck with for two years because of SoFi 's misleading process. This is without a doubt the most unprofessional business I have ever encountered regarding financing, and they need to fix their application process rather than duping people.
02/14/2020	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	NY 10016	Web
On or about XX/XX/XXXX, I signed a promissory note with SoFi Lending agreeing to refinance XXXX for a 7-year loan term at a fixed interest rate of 3.506 % consisting of 84 payments beginning XX/XX/XXXX and ending XX/XX/XXXX. According to the promissory note each payment would be in the amount of {$2000.00}. With auto pay that rate was reduced to 3.256 %, which I understand would serve to accelerate the number of payments, and not decrease the monthly payment amount. Since the loan funded I have had the following payments automatically withdrawn from my checking account : XX/XX/XXXX - {$2000.00} ; XX/XX/XXXX - {$2000.00} ; XX/XX/XXXX - {$2000.00} ; XX/XX/XXXX - XXXX. Notably 3 of these amounts are different, and all are above the {$2000.00} amount included in the promissory note. On XX/XX/XXXX, I received correspondence from XXXX, the SoFi loan servicer, that my repayment schedule had changed. It reflected an interest rate of 4.006 % and a monthly payment of {$2000.00}. I contacted XXXX and although they could not confirm why I received that letter, they assured me my rate was 3.256 % I requested a copy of my promissory note, which was provided to me by XXXX. On XX/XX/XXXX, as I was reviewing my bank statments, I observed the above funds withdrawals and contacted SoFi. Initially I was told by SoFi that this concern needed to be addressed directly with XXXX. When I informed them that I had already tried, and reminded them that my agreement to repay the loan pursuant to the above terms was with SoFi, i was told they would address the issue. I forwarded to XXXX XXXX, of SoFI, attachments that evidence the promissory note sent to me by XXXX, export of bank statements evidencing the withdrawals, and correspondence from XXXX evidencing the 4.006 % I was told on XX/XX/XXXX that it may take 24-48 hours to get a response from XXXX. To date, SoFi has informed me that they have still not received a response.
03/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TN 37214	Web	Servicemember
I received alerts from XXXX that claimed I had no hard credit inquiries. Alarmed, I contacted XXXX by phone call on XX/XX/2022, since I have not applied, attempted, or requested any new lines of credit with anyone. I found out that a company called XXXX took it upon themselves to ding my credit with hard inquiries for a credit card and an apparent mortgage financing -- despite me never interacting with XXXX. Sure, they send me junk mail that gets shredded & recycled, but that is really not enough to run someone's credit. I tried disputing the information through XXXX 's website. That option was blocked for me on the website with a message that I must call XXXX about disputes. I called XXXX to request a dispute, & an XXXX staff member going by " XXXX '' outright refused to start a dispute. XXXX stated I should contact the company first. I was firm that I most certainly do not need to contact a company that I have never interacted with that is acting in a fraudulent manner. XXXX still refused to file a dispute. I informed XXXX that refusing to initiate a dispute is likely to be a violation of the Fair Credit Reporting Act ( FCRA ). XXXX still refused & refused to get a supervisor, just leaving me on repeated holds. It appeared to be a way to abuse my time & continue denying my rights. The only option they claimed that could be offered was to place a fraud alert. XXXX would not allow me to freeze my credit either. I wrote XXXX through a XXXX dm stating the problems encountered. XXXXXXXX XXXX XXXX team claimed that I could submit a dispute online. I reminded them that was untrue. XXXX XXXX XXXX team then claimed I could contact someone at XXXX to start a dispute. I again reminded them I provided a written statement about what actions I already attempted when I initially contacted them. XXXX made no effort to resolve the initial problem of a random company making hard inquiries on my credit report.
06/08/2016	Yes	Student loan Non-federal student loan	Getting a loan Can't qualify for a loan	DC 95966	Web
I went to SoFi web page to see what rates would be for a refinance of my student loans. The website is confusing and directed me to enter my name, address, zip code, phone number, DOB, citizenship, home ownership, school info, employment info and current student loan information. In hindsight outside requesting my social security number ( they did not and this was not provided ) this was an application for credit. Why must we fill out an application for credit to obtain rates for a refinance. When I hit enter on the web site or as they wrote " submit to see my rate '' I was declined. I then received a form letter ( digital ) stating " After carefully reviewing your application, we are sorry to advise you that we can not grant a loan to you at this time. If you would like a statement of specific reasons why your application was denied, please contact our SoFi XXXX XXXX XXXX within 60 days of the date of this letter. We will provide you with the statement of reasons within 30 days after receiving your request. I phoned SoFi to figure out what was going on and explain I did not request credit from them, I only wanted rates. I was told that they pull a " soft '' inquiry on my credit and based on that I was declined. Ok .... It did not seem to me that I was granting them the ability to " soft '' check my credit or that I was applying for credit .... I just wanted rates. In my humble 15 years as a Consumer Underwriter and Manager for a XXXX bank that must adhere to all the CFPB requirements, that this was a very deceitful tactics to create an application and render an unwanted credit decision, good or bad. The Website is very misleading and very upsetting to me as a consumer that to find rates I must first be run through a credit check? I understand rates change with credit scores, however they should be published for the viewing public?
07/12/2020	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	AZ 85050	Web
A complete fabrication of so called " help '' during the Covid-19 Worldwide Pandemic, and taking advantage of their borrowers. SOFI does NOT care if you are in hardship due to Covid-19. Their only concern is to make more money. At first, they offered no help/forbearance at all, but buckled under pressure after Federal Student loans offered help while Private Student loans did not. So they changed their tune to " want to help '' by allowing a 2 month Forbearance, however on the caveat that you would still be accruing interest every day and only get a break on 2 months principle on the back end ( that tells you something right there ). The SOFI reps ( 2 reps, 2 calls ) were very clear that the interest would be paid be paid over the length of the loan. A 3rd rep also had that understanding. XX/XX/XXXX we find out - surprise! Interest payments to be up PAID front over the next 3 months to the tune of an add'l ~ {$1400.00}! And they raid the monthly payment on top of that! They flat out LIED to us. Be cautious. We have been with them for 5 years ( XX/XX/XXXX), with 2 Loans ( Parent & Student ) that started at $ XXXX. They have made a TON of interest ofs of us in those 5 years. We have seen the progression from a Company with XXXX founders, that seemed to really want to help ( Social Financing ) to another greedy large-scale Corporation, making more money off the backs of our youth and future of this Country. XXXX is their cohort, we found that out as we struggled to fight for our rights with them. At the end, they & XXXX do not care to stand by their word, or help their borrowers in need during a worldwide PANDEMIC. They said they may consider that in the future, but for now sorry nothing we can do about it. Yes, that is true. Maybe thats how you pay for a new SOFI XXXX Stadium in LA and for all those commercials on TV. Shame on them!
04/09/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NJ 07030	Web
My account was " temporarily restricted '' on XX/XX/2019. All I tried to do was transfer funds into the account from a linked external account. I've attached the email at the end of the complaint. It has not been more than two weeks and my funds are frozen. No transfers in or out are allowed. I have absolutely no access to my funds. Moreover, no explanation as to why my account has been frozen has been given. All I was ever told was " We are still reviewing your account because our system alerted us to some inconsistencies between activity on your account and the terms of our member agreement. We do not currently know what specifically those inconsistencies are and that is why we are taking the time to review everything before we reach out to you with an update. '' Even after I asked them about which sections or clauses of the member agreement were violated, they never got back to me. Customer Service has absolutely no information on this. They haven't made any progress on this " review '' after I've repeatedly made it clear that there has been no fraudulent activity on this account. -- -- -- -- -- - Original Email : " Hi X, We take the safety and security of our Members accounts very seriously. For your own protection, your SoFi Money account ending in XXXX has been temporarily restricted. While we review your account and determine next steps, you will not be able to perform : Deposits or withdrawals from your account Electronic or check transfers to or from your account including Bill Pay Debit card purchases P2P transactions In the event we need additional information for our review, we will contact you directly. We will also notify you once the review is complete within the next 7 to 10 business days. We appreciate your patience while this process is completed. Best, The SoFi Money Team SoFi Securities LLC ''
05/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UT 84121	Web
I received a notification from my credit monitoring servcie that a new loan inquiry had been made. I reviewed the information and determined that it was a fraudulent loan application and therefore opened a case with the credit monitoring service. A representative from the credit monitoring service called me and we placed a conference call to SoFi Lending who made the credit inquiry. The various representatives and supervisors we spoke were unable to locate the loan appliction using my email address and phone number. Since criminals would likely use their own email address and phone number as to not tip off the person they are trying to scam, they obviously were not able to find any loans using that data. We continually asked if they could look it up using my social security number to which they said they can not. This seem rediculous considering that is the information that was used for them to pull my credit in the first place. Since the loan does not show as being opened at this point it was our hope to be able to stop the loan from being opened and reported on my credit. The representatives from SoFi continually told us that they aren't able to search by social security number so therefore we would simply need to wait for the loan to fund, then file a police report and then dispute it with all of the credit bureaus. It seems that their system is set up to enable fruad instead of stopping it. While I don't know the rationale behind these policies I'm guessing it is financial in some way, shape or form. Why can a company pull my credit using my social security number, but not be able to look up a pending loan application using that same information and prevent fraud from happening. What a terrible company. If criminals are reading this then I'm sure they know that if they want to commit fraud, SoFi is the place to do it.
06/27/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MI 48382	Web
On XX/XX/XXXX I took out a Personal Loan with SoFi Bank for $ XXXX 11.99 % ( NO pre-pay penalties ), with auto-payments setup from my new SoFi checking account.. On XX/XX/XXXX I found a different loan company with a lower interest rate, 5.99 %. I opened that and then sent a large payment of $ XXXX for principal only on the SoFi Bank loan on XX/XX/XXXX, knowing my regular payment was being withdrawn automatically from my bank account a couple days later. Both payments were processed, posted and confirmations were received ( see below ) ). I then proceeded to close the loan. However, I found that SoFi only applied partial payment to principal, charged me {$170.00} interest fee and then re-amortized the loan. I received a new email on XX/XX/XXXX that my regular payment did not clear due to insufficient funds ( even though I received a text, email and account notifications that stated BOTH payments posted )?! I called on XX/XX/XXXX and spoke to the manager, XXXX regarding this matter. I requested that the {$170.00} be credited and applied as it was requested to principal only. He stated no, that is how they do it. This made no sense since I specifically asked if there were any pre-payment penalties before I agreed to the loan. I requested that my accounts be closed immediately. I made direct payoff payments to him. As of today XX/XX/XXXX, I went online and found that they again, re-amortized the loan causing me a new balance owed of {$.00}. Had I not checked on this today, I would have received a late fee and credit score issues. This since we supposedly closed the accounts ( as I requested on XX/XX/XXXX ). These actions by this financial institute could really cause hardship to consumers. XX/XX/XXXX XXXX, I called SoFi rep, XXXX XXXX She said she sent in a request to clear it but could not confirm.
07/31/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	TX 75206	Web
On XX/XX/XXXX, we received and signed a Closing Disclosure with a XXXX XXXX XXXX amount of {$17000.00}. On XX/XX/XXXX, we received and signed a Closing Disclosure with a XXXX XXXX XXXX amount of {$17000.00}. On XX/XX/XXXX, we received and signed a Close Disclosure with a XXXX XXXX XXXX amount of {$19000.00}. On XX/XX/XXXX, we received and signed a Close Disclosure with a XXXX XXXX XXXX amount of {$19000.00}. On XX/XX/XXXX, we received an email stating the XXXX XXXX XXXX amount was {$18000.00}. On XX/XX/XXXX, we received an email stating the XXXX XXXX XXXX amount was {$21000.00}. We were asked to close on XXXX. We purchased our home in XX/XX/XXXX. We are entitled to a title premium discount of 50 % according to the Texas XXXX : XXXX XXXX XXXX On XX/XX/XXXX, I requested an updated Closing Disclosure for us to sign, reflecting the new XXXX XXXX XXXX amount quoted in the email, and also reflecting the premium discount. I received the following response on XX/XX/XXXX : " You signed a closing disclosure at the end of XXXX, that took care of the 3 day waiting period. The title company is working to balance and finalize docs and I should receive it tomorrow. The title premium discount lowered the premium for the title insurance, the lowered title insurance premium is shown on the last closing disclosure that I sent you. '' It is now XX/XX/XXXX. According to ( 1026.19 ( f ) ( 1 ) ( ii ) ( A ) ), we are supposed to receive a Closing Disclosure with the exact XXXX XXXX XXXX three business days prior to closing. XXXX is a Tuesday. Walking backwards : Monday, Saturday, Friday marks three business days, ergo Thursday XX/XX/XXXX is the latest we should have received the Closing Disclosure. On XX/XX/XXXX, I instructed SoFi to cancel the closing pending the outcome of this complaint.
05/05/2019	Yes	Student loan Private student loan	Getting a loan Denied loan	CT 06854	Web
Hello, I applied for a student loan refinance through SoFi on XX/XX/2019. I was denied but the concern lies with the language used in their rejection statement and support from their chat support. SoFi Auto Response : " We encourage you to apply again if your situation changes at a later date. Examples include getting a promotion, starting a new job, graduating from school, paying down other debt, relocating to a new area, or earning a new degree. '' They didn't clarify " my situation '' so there's no view into what would need to change, but they actually state " relocating to a new area '' which is redlining. Is that still legal? I used the SoFi chat function to ask for a 2nd look at my situation. The rep, XXXX ( that's not a typo, that's the name ), said that I could call them up but the response would be the same. I explained that on paper my situation doesn't look great, but would like to know if they do 2nd looks. XXXX said they have minimum eligibility criteria and if I don't meet them then they can not allow me to proceed. The claim was this is a fair lending practice since they can not treat clients differently. SoFi directly communicate they do not practice fair lending. If SoFi really did want to be fair to customers they would do a 2nd look to see if their algorithm missed an opportunity to lend to someone. I work for a bank and we all know the system doesn't always see the whole picture. The other issue in their response is " earning a new degree ''. If I'm already in debt from an XXXX degree and I'm declined for a refinance, how would additional debt for a 2nd degree put me in a better financial situation? This is an irresponsible response to potential customers. SoFi should be clear as to why customers are rejected, and SoFi should be investigated for redlining.
11/28/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	VA 223XX	Web
I recently received a personal loan from Sofi in the amount of $ XXXX. I responded to marketing and in 48 hours the money was in my bank account. The problem, I am a XXXX XXXX and felt there were no controls in place ; e.g., co-signer from a spouse, etc. that protected me. When I emailed the CEO on XX/XX/XXXX of my predicament I received the following response. Hello XXXX, Thank you for reaching out to our CEO. I was forwarded your email so I could reach out to you. I cant imagine what you must be dealing with right now. I would like to take the time to speak with you in more detail about the situation you are facing. Is there a good time in which we could schedule to speak? If its more convenient, you can reach out to us at XXXX and ask to speak with me directly or anyone in the office of the CEO. I look forward to your response. Best regards, XXXX XXXX. Social Finance Inc. XXXX **END OF MSG** Subsequently, I called Sofi and spoke to someone else in the front office who was rude and aggressive in stating, you signed these documents you must pay. XXXX XXXX on the other hand did return my call and was apologetic that there was nothing he could do although I do value ( and trust ) his follow-through. It is the management policies of Sofi that are dishonest and why I want to pay off the loan I have with them with another vendor at a significantly lower rate. At this point I am trying to pay off my loan with another vendor and that vendor tells me Sofi does not want to participate. It is my perspective that Sofi is a predatory and against the standards of the Consumer Protections Financial Board. CFPB should validate their controls and how they work with individuals with difficult circumstances which would validate the ethics and authenticity of this company. Thanks
11/15/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MI 490XX	Web
I applied for a consumer loan application through a 3rd party ( XXXX XXXX ) in early XX/XX/XXXX, who conversely entered an application at SOFI on my behalf. SOFI contacted me over the next couple of weeks and collected all of the required documentation from me. My loan was in the final approval stage and was on the verge of being dispersed. In the final stage SOFI asked if a 3rd party had helped me with my application, which I affirmed. I was then told that it " was n't a big deal '' and that all I needed to do was re-apply with a different profile on their website. The woman also told me that they could expedite it, and it should go much quicker then the first time, and I had no need to worry, as everything was great on the loan and they could get it done. The next morning I did exactly what SOFI asked me to do, and I received an immediate denial due to " inquiries on my credit report. '' The only inquiry that I had was the one for SOFI on the previous application. Based on this I called in to escalate it on XX/XX/XXXX. For two weeks I was being told that it was basically a glitch, and that they would get it resolved. I talked to two people over this time, a women in escalations that never called back as she said she would, and XXXX XXXX, who also never called back or gave updates. I called numerous times between XXXX and XXXX when I was finally told that they could not remove the inquiry, which was that of SOFI, and due to that they could not approve my loan application. This makes absolutely 0 sense, the follow up was terrible, and as a result I have wasted over 30 days working with an institution and have a hard inquiry on my credit report that hurts my credit. I am credit worthy with a credit score over 700, XXXXyear in income, and have been on the same job for over 6 years.
04/02/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CO 801XX	Web
On XX/XX/XXXX, I closed on my refinance. The funding arrived later and in different amounts than outlined in our closing documents. I contacted the lender every business day for 5 days requesting documentation that outlined the corrections. My requests have been received by multiple recipients XXXX loan officer, member specialist, operations XXXX, and another employee ) and the documentation has not yet been provided to me. This documentation reflects the final settlement. In addition to tax purposes, I should have received this documentation in timely manner during the period between closing on XX/XX/XXXX, and funding, contractually XX/XX/XXXX, but did not actually occur until XX/XX/XXXX. While getting the settlement documentation is my complaint, it is worth mentioning that this is not the first issue I have had with the lender. The loan was delayed numerous times due to mistakes, omissions, and poor communication since we began the process in XXXX of XXXX. This includes not ordering payoffs in time, overlooking uploaded documents, repeatedly using the wrong numbers on disclosures even after I had pointed out the issues, and making that same mistake during our first closing that required a 're-do '. We originally closed on XX/XX/XXXX. We noted errors in the closing documents - changes had been made since we signed the final disclosures the previous week. After spending an over an hour trying to contact someone at the lender by phone, we finally reached someone who acknowledged the mistake, advised us to sign but not fund, and we'd receive a correction on XX/XX/XXXX. We did not receive a correction and when I contacted the lender to request it, we were told there were additional mistakes in the closing documents ( dates were wrong ) and we'd need to close again.
04/09/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	TN 37862	Web	Older American, Servicemember
I applied for a SoFi credit card in XXXX of 2021 and received it I never used it until XXXX of 2021 but never received my order.The total of that order was {$80.00}. My XXXX card statement showed several charges that I deny was from me. I filed a fraud claim. The charges were temporarily discharged The XXXX. statement still showed 4 charges that were not discharged. I still hold that those are not my responsibility either. I have been trying to contact SoFi 's fraud claim investigator, XXXX, several times, l left several messages and now her voice mail is full.XXXX 's phone number is XXXX, ext # XXXX. SoFi has now reported me to XXXX credit bureau and my credit score went fromXXXX to XXXX overnight.I tried to contact the merchants by phone and web site. They were either busy signals or phone numbers did not exist and I couldn't find any web sites that existed.The initial SoFi investigator 's name is XXXX. her extention # is XXXX. Neither XXXX nor XXXX have returned my calls.I am XXXX XXXX XXXX and have no use for the products that were illegally charged to my account. My full name is XXXX XXXX XXXX. my email is " XXXX ". the last four numbers of my account arecurrently '' XXXX ''. previously they were XXXX ''. after the initial investigation I received a letter stating that the charges were discharged so I cut up the credit card and forgot aboiut it until the XXXX statement arrived with four similar charges still there. This card was issued by the XXXX XXXX XXXX who hired SoFi to administer for them. In summary, why did SoFi only discharge just certain charges. when they were all charged during the same time period. It is clear to me that a theif took advantage of an apparent oppotrtunity to steal my card and Identity. to enrich themselves at my expense.
06/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 627XX	Web
On XX/XX/XXXX, there were two inquiries on my account. One was from XXXX and the other SoFi Lending Corp . Someone tried to open two credit cards in my name. XXXX denied the card and sent me a letter and upon calling them immediately removed the information from my credit report. SoFi Lending Corp - did not have my correct address ( I've lived here XXXX years ) and opened an account in my name anyway. Upon calling them they froze the account. I filed a police report. SoFi reported to XXXX that the information is accurate. This is the information on the XXXX website. The information is not accurate as two addresses were provided - XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX. both in XXXX, Illinois. Again, I have NEVER lived at either of these addresses so the information is NOT accurate. Someone opened a card in my name. I want it removed. Additionally, when I called and spoke to XXXX XXXX, an investigator at SoFi Lending Corp, she sent me a letter overnight saying my " loan ''. There was no loan opened only a credit card. This company does not seem legitimate and she refuses to call me back anymore. Her direct number is XXXX. This is a shady company. They lied to XXXX. I opened a new dispute with XXXX. I mailed copies of both the police report and the SoFi letter because for some reason the XXXX website would not let me upload the documents so I mailed them via USPS mail. I need this removed. This was issued under false pretenses. I will call these people every day and hound them until the day they remove this. SOFI XXXX XXXX Account XXXX Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.
12/14/2017	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	WA 992XX	Web
I initiated a student loan refinance through Sofi in early XX/XX/XXXX and the loan was approved and finalized on XXXX XXXX. This was also to take over payment of a student loan that my mother had opened while I was attending school. I would be refinancing her loans to my name. She has been unable to make the payments on her loan so I have been paying them. I will refer to her XXXX account as my own since I have been making the payments. Sofi sent the payoff check in the amount of {$16000.00} to the wrong department at XXXX which I found out after waiting two weeks for my balance at XXXX to be paid off. After notifying Sofi, they found that the dept of education would need to issue a check from the US treasury and that it would take 4-6 weeks for that to occur. Because my old loan was never paid off, I was forced to make a payment to my old lender XXXX to stay current on that loan. However, with the 4-6 week lead time on the US treasury check and the reprocessing, I would end up needing to make another payment to my old lender XXXX as well as my first payment to Sofi in XXXX. I requested that Sofi move my first payment date out another month to accommodate their mistake, to which they denied. I tried working through the escalation team and was met with the same answer : they can not and will not move my due date. Not only was this not my fault, I currently have two student loans collecting interest, my original XXXX loan as well as my new Sofi loan ( which has been accruing interest since the check was cashed by the wrong department ). Currently I am waiting to hear back from Sofi when they receive the check back from the US treasury. In the meantime, I have my Sofi payment due on the XXXX and my XXXX payment due on the XXXX.
06/08/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	IL 60441	Web	Older American
Recently we received PIN notifications in the mail from SoFi regarding a credit card account in my name and that of a person named XXXX XXXX. We immediately contacted SoFi on XX/XX/28 and informed their representative that we did not apply nor do we have any open any account with your company. They informed us that the account would be flagged as fraud, closed and the three Credit Bureaus would be notified. We then received two physical credit cards. One for myself and one for XXXX XXXX. After receiving these cards we contacted SoFi again on XXXX and received the same assurances. We then started to receive demand letters from SoFi advising we have missed payments. We informed our local police department ( XXXX XXXX Illinois Police Department ) and contacted the three credit Bureaus to freeze my credit. We then received the enclosed letter stating that our request was cancelled as we did not provide the information necessary. This is not true. We sent the affidavit when it was requested and it was XXXX XXXX. Their Fraud area should research the difference between a Notary and a XXXX XXXX. Our police department advised against sending any further information as they felt that the requests may be coming from the individuals who are committing the fraud. As recommended by the Officers, we reviewed my credit reports from the three bureaus and the promise made was not completed as promised. My credit score has now been negatively effected by SoFi opening this account without authorization as it now shows that it is in default. The three credit reporting agencies need to be notified that this account should be removed from my history and have my history returned to where it was prior to SoFi opening this account fraudulently.
11/02/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	PA 19128	Web
On XXXX/XXXX/XXXX I made a scheduled payment to my personal loan with SoFi in the amount of XXXX ( more than amount due ) for payment due on XXXX/XXXX/XXXX ( Monthly payments ). Recently SoFi has been pushing for me to set automatic payments via emails and notifications when I log into my online account. They also advertised a reduced interest rate for setting up automatic payments. Once the payment for XXXX/XXXX/XXXX cleared my checking account and my account with SoFi online reflected next payment due on XXXX/XXXX/XXXX I set up the automatic payments. Upon completing the steps for automatic payments a screen came up verifying that I would like to start auto payments effective for payment due XXXX/XXXX/XXXX. I verified that was correct and was then under the impression that my next payment would be auto drafted from my checking account with XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX. SoFi then without my authorization deducted a payment of XXXX} on XXXX/XXXX/XXXX from my checking account with XXXX XXXX XXXX. This unauthorized deduction caused an overdraft of my checking account. My account does have overdraft protection but I was penalized a XXXX fee and I also had to stop another check that was out for that account. At no point did I authorize SoFi to deduct any form of payment from my account prior to XXXX/XXXX/XXXX. At no point did SoFi disclose that they would make such a deduction. I contacted SoFi customer service to resolve the issue twice. Each time I was told a different story as to what happened and no fair resolution was offered. I had asked politely to speak to a manager but was informed there was none available and they would call me back. No contact has been made on their end to date.
02/01/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CT 06705	Web
XXXX XXXX, a manager at SOFI, told me on XXXX/XXXX/XXXX that my debt consolidation loan could not be cleared to close after I submitted the requested documentation to the company two weeks earlier. I was originally approved for {$25000.00} by SOFI and was trying to consolidated {$18000.00} of credit cards. SOFI requested my tax returns, since I am self employed, for XXXX and XXXX which I provided. Then they requested all of the schedules that I did not have. I called to ask which schedules, for personal or business returns, and the lady I spoke to said that since I received paystubs from my business, that I could just submit those for approval. I submitted my last XXXX paystubs by uploading them to SOFI and I called back to make sure they were received. Now a new rep said that I still needed to submit the schedules for the tax returns, even after I had been told that my paystubs would be fine. I called SOFI today and XXXX, another rep, said that they were still looking for schedules. I then spoke to her manager XXXX XXXX, and he refused to speak to my accountant that was on the line with me and was trying to see what schedules they wanted. This company is terrible in its customer service and lies to consumers about what is required for loan approval. The reps are not properly trained and tell you different things about the requirements because they are just reading off of the software for the client file but do not really know what is happening with files. The process is misleading and every person you talk to tells you something different. I have wasted a lot of time and I have been unable to consolidate my credit cards which are at very high rates. Managers are also terrible and extremely rude.
11/06/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	NJ 07901	Web
At present, I have made three ( 3 ) payments to my Sofi Personal Loan. Each payment includes an additional payment to the Principal by including two separate checks in a certified envelope to Sofi. One check for a regular payment of {$810.00} as agreed upon and the other check for a principal-only payment of ( 1 ) {$2000.00}, ( 2 ) {$4000.00}, and the 3rd payment of ( 3 ) {$2000.00}. A grand total of {$8000.00} has been sent toward the principal. I recently reviewed my statement and noticed that Sofi has been applying my regular scheduled payment of {$810.00} as a principal payment. Thereby taking any additional funds as interest payments and applying the rest to the principal. An example : Principal Interest Total XX/XX/2020 Schedule Payment {$810.00} XXXX {$810.00} XX/XX/2020 Schedule Payment {$1600.00} {$360.00} {$2000.00} XX/XX/2020 Schedule Payment {$810.00} XXXX {$810.00} XX/XX/2020 Schedule Payment {$3600.00} {$360.00} {$4000.00} XX/XX/2020 Schedule Payment {$810.00} XXXX {$810.00} XX/XX/2020 Schedule Payment {$1500.00} {$470.00} {$2000.00} My initial Loan was {$42000.00} at a rate of 11.491 %. XXXX? ( whose manager is XXXX ) assured me that the figures come out correctly. And that there are " no errors to correct. '' For transparency she is incorrect. Principal only payments should always be applied to the principal. Interest and principal payments should only be applied from the agreed-upon scheduled payment of {$810.00}. I asked them to correct this error but to no avail. Notice the different amounts in principal payments when I sent an additional {$2000.00} for XXXX and XXXX payment. Please reach out to them and ask if they could correct the errors in my statements.
01/29/2019	Yes	Student loan Private student loan	Struggling to repay your loan Can't temporarily delay making payments	KY 402XX	Web
I am a student, it would make sense to defer my payment while I am in school. The only so-called deferment offered to me involves " interest only payments '' based on the interest bills provided monthly. Payments received during the deferment period will be applied to accrued and outstanding interest and then to my principal balance. I used to pay around 700 $ monthly before deferment. In my first three month of deferment from XX/XX/XXXX to XX/XX/XXXX, I have paid roughly 550 , 500 , 730 , and 420 $ respectively on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX! THEY CALL THIS A DEFERMENT? This is a total rip-off! I need to resubmit all the paperwork every three months because there are no options to submit my documents for an entire academic year and I lost the chance to do so in XXXX because the school was closed from XXXX XXXX. I submitted a second application in XXXX XXXX which was approved on XX/XX/XXXX. Being more cautious and proactive, I made a call asking if I am gon na need to make an interest payment by the XXXX XXXX XXXX informing them that my account shows " zero '' due amount. I was told they are calculating my interest amount and that most likely I would not need to make a payment and if I do they will notify me within a reasonable amount of time in advance ... and I get a message on XX/XX/XXXX that I need to make a XXXX $ payment on XX/XX/XXXX. They do not even have the decency to notify you in time. This is the best example of a terrible customer service. I am spending more time worrying and handling my student loan that focusing on studying. Had I known they are so defective, I would have never signed up for their services. I will look into changing servicer.
01/13/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OK 735XX	Web
On XX/XX/2021, I received a email from Sofi informing me my account had been frozen. In the letter it told me to call their fraud prevention team and speak to someone to help get my account released. However since then I have left over 20 voice mails and used multiple channels to contact representatives of Sofi. To this I have received only one email telling me they didn't know the exact time someone would reach out to me. It is very frustrating to be told to contact people regarding your security and money and no one responds for two weeks and it has forced me to take this outside of the communication with the company and find third party assistance. The following is what I have tried to do to contact anyone in Sofi for help. 1. Call Sofi : I tried to call their Fraud Prevention Team over twenty times with no responses to my calls. I tried to call other departments to talk to anyone but because my account is frozen they automatically send me back to the Fraud Prevention Team. 2. XXXX : I have tried posting on the Sofi XXXX XXXX twice asking for community help but both of my posts were not approved by Sofi XXXX. I also tried contacting the Moderator herself and she has no responded at all to the message. 3. XXXX : I tried to reach out via Sofi 's XXXX but they have no responded there either. The community members on the other hand were very helpful and I was informed to take the problem here from one of the members. 4. Email : I have also reached out via Email and was informed two days later they didn't know how long it would take for someone to get into contact with me. This had been a a little over a week after not receiving a callback from Sofi regarding the problem.
10/15/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NC 27713	Web
On XX/XX/2021, I received a referral invitation to apply for a SoFi personal loan. When I opened the link, I was prompted to fill in my information to check if I was preapproved for the loan. SoFi soft pulled my credit report and I was indeed preapproved, they displayed the amount and the interest rate I was preapproved for. Based on that, I decided to proceed with my application. During the application process, they requested that I upload live photos of the front and back of my drivers license, they sent a link to my cell phone that asked me for permission to open the camera and take the photos. The application went under review. On XX/XX/2021, they hard pulled my XXXX report. On XX/XX/2021, I received a phone call from XXXX at XXXX XXXX ET, I was at work and I couldnt pick up the phone. He left a voice message asking me to call him back. Five hours later, I received an email from SoFi informing me that my application has been denied because theyre Unable to verify my identity. I found this process to be very deceptive and unfair. I was already preapproved for the loan, they obtained my credit report, I uploaded LIVE photos of my drivers license and I was asked to provide my checking account information at another institution during application, this works as a second layer of protection because SoFi can cross-match the identity information of the checking account owner. Its worth noting that this loan was for {$5000.00}. I had 4 car loans in the past from 3 different banks, I never had an issue and none of them operates like SoFi. If you for any reason still want to verify customers identity, you could ask for photocopies of SSN, W2, or just wait for them to call you back.
07/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	RI 028XX	Web
On XXXX I received a text message from phone number XXXX that my SOFI loan was in process, but that additional information was required to secure the loan. The message included a link to complete the application. I had not started a loan application or any inquiry into a loan application and I assumed this was a fraudulent text. I replied STOP to opt out of any future correspondence. Aprox. XXXX minutes later I received another text notifying me that the loan had funded. On XX/XX/22 I received multiple calls from XXXX phone number XXXX requesting information to complete another loan application. This prompted me to check my credit report. Upon which time I noticed that SOFI had pulled my credit on XX/XX/22. I called SOFI and learned that a personal loan in the amount of {$12000.00} had been dispersed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. SOFI had all of my personal information on file ( XXXX, XXXX, Home Address, Phone, etc. ) I notified SOFI that this was a case of identity fraud and as of XX/XX/22 my case was being reviewed by their Fraud Dept. I called XXXX XXXX XXXX Bank and spoke to XXXX XXXX ( phone XXXX ) who works in their Fraud Dept. He confirmed that the funds had been received at XXXX XXXX XXXX XXXX and that bank account XXXX was under the name XXXX XXXX. SOFI keeps forwarding me to their Fraud Investigative Team phone number ( XXXX ) that goes straight to voice mail. I can not get a valid case number or confirmation number and they will not give me a phone number or email address to call them directly. The funds have already been dispersed and I want this transaction wiped from my credit and all of my personal information removed from XXXX XXXX.
09/26/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NJ 07205	Web
Hello customer financial government, Company Sofi money, at date XXXX XXXX time as XXXX XXXX clock XXXX send me email and sms, too frozen/restricted my Sofi money checking account, without provide any reason or alert, I trying contact Sofi money team by email too, they said don't have anything information about it too, said the Sofi security team don't do this too need contact to phone number security team XXXX unable reach them phone., I leave 5 time voicemail record for back to nobody back too call many time on time security team have work, reply automatically record women, '' say all lines are busy leave record voicemail or trying call later '', the security team no work 24/7 for customers too on time work hide too unable to reach for reslove problem, the Sofi money team no work together with security team for reslove problem for customer as service need be in few minutes, I already have frozen account 72 hour without reason, too i also trying contact with in email senior team Sofi, name XXXX, XXXX, XXXX, no one reply back, on Sofi money contact email with agents XXXX, XXXX by chat application agents with XXXX, XXXX, XXXX, all those reply without able resolve problem with security team for my unfrozen account, they only said filling complain to CEO Sofi too all time said contact to security team phone, without unable reach them. It's treat are abuse too scary customers too new customers, too hurt to customers for nothing, frozen account leave customer without own money using too no one help, it's very big damage to customers sofi and damage Sofi company, customer no need scared hold money in Sofi, customer need have confidence and trust product. Thanks,
06/03/2021	Yes	Student loan Private student loan	Getting a loan Confusing or misleading advertising	MD 20817	Web
SoFi advertised new lower student loan refinancing rates after going public, and encouraged me to check my rate ( by offering me SoFi points to check my rate and apply ). Additionally, SoFi advertised via chat and their website that they had a rate match guarantee and would also give {$100.00} along with a rate match. My existing rate was lower than what SoFi showed me after I submitted my information. I asked via chat how to take advantage of the rate match guarantee. I was advised to email my proof of lower rate to SoFi 's customer service. I did so immediately, sending over my last student loan statement and loan approval letter from a couple months ago with my current lender. Two days later I had no response from SoFi, so I contacted customer service via chat. The representative confirmed the documentation I sent over and said all that was remaining was completing my application, which included a hard credit pull. I completed the application, and once SoFi approved it at their initial advertised rate, I returned to chat to have my current lower rate applied per the match guarantee. The new representative said that SoFi would not match existing loans, and that I needed a current rate offer from a competitor. This was different than what had been stated earlier the same day by a different representative. Based on the earlier communication, I only agreed to allow SoFi to hard pull my credit and submit my application under the understanding that SoFi would match my lower rate based on the documentation I submitted. As of now, I have a ding on my credit and SoFi has changed their stance on what they told me re the match guarantee and promotional credit.
04/18/2021	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	OR 972XX	Web
In XXXX I made some purchases from XXXX. On XX/XX/XXXX a sectional showed as delivered but I never received it. Perhaps it was stolen I don't know. On XX/XX/XXXX I filed a chargeback with Sofi. I informed them I never received the sectional. XXXX responded with no proof whatsoever that I actually physically received the sectional. Sofi, despite having no proof whatsoever that I physically received the sectional ( which was shipped without insurance or signature required ), sided with XXXX. I appealed and originally they refused to look into it but they then re opened the dispute. After another 45 days they closed the dispute again with no evidence whatsoever that I physically received the sectional. I provided them with proof that I bought two sofas on XX/XX/26 because I hadn't received the sectional. I offered them a witness who was with me from XXXX non stop and can attest that I never physically received the sectional. I offered them my XXXX where they can clearly see the only two couches in the apartment were the new ones not the sectional. I also offered them proof that I lived in a one bedroom apartment and so it would be extremely difficult to fit a sectional and two sofas. In short I offered an insurmountable amount of proof that I never received the sectional. XXXX provided no proof whatsoever that it reached my possession. Per Sofis own terms I am supposed to be protected for goods that do not reach my possession. Simply being delivered does not ensure it reaches someone's possession. Additionally Sofi refuses to send me a pdf of their revised report, although they did confirm there is no actual evidence that I received the sectional.
06/10/2022	Yes	Checking or savings account Checking account	Closing an account Can't close your account	DC 20011	Web
I have a money management checking account at SoFi bank that currently has a balance of {$1100.00}. Since XX/XX/XXXX, I have been unable to access the funds in this account as a temporary restriction has been placed on my account. In reaching out to SoFi on XX/XX/XXXX, I was told that I would need to speak with the XXXX XXXX XXXX. Calling the phone number given to reach the XXXX XXXX XXXX provides me with a message stating : that there is no one available to take my call. But to please leave a message with my name, phone number and reference number so that a member of the team may follow up with me. Naturally, I followed these directions ; however, no follow up call or communication of any kind followed the voice message left on XX/XX/XXXX. On XX/XX/XXXX, I left a voicemail with the XXXX XXXX XXXX stating the I would like to close my account as I did not have access to the funds within my account nor was I being provided assistance in gaining access to these funds. This voice message went unansweredas did did numerous messages over the next few months left with SoFi requesting that my account be closed and my funds returned to me. The most recent message was left XX/XX/XXXX. This message has not been answered. It is extremely frustrating to have my messages ignored by SoFi..especially since I have followed their directions in terms of proper communication with them. It is also frustrating and puzzling that I can not access the funds in my account and that SoFi is actively preventing me from closing my account. Any help that can be provided in closing my SoFi account and having my funds immediately returned to me would be greatly appreciated.
02/08/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MI 481XX	Web
I contacted SOFI for a personal loan. Personally, I have " excellent '' level credit as defined by the Credit Bureaus. I intended to use the loan for home improvement and personal expenses. I have a XXXX degree and a history of ZERO missed payments on anything during my lifetime. I was pre-approved by SOFI and sent an email to that effect. During a call with an incredibly off-putting customer service agent, she ostensibly became confused and marked my intended use of the loan during the application process as " business purposes '' which was entirely and absolutely false. My application, due to this incorrect mark, was summarily denied despite all other factors meeting or exceeding SOFIs requirements. I called customer service and explained after the first denial that the loan was indeed SOLELY for PERSONAL purposes. I spoke to a " XXXX '' who encouraged me to immediately re-apply. I did so. Again, I was denied as a result of that incorrect note by the confused service agent of before. I spoke to a service manager again today who essentially explained that since she made that mark there was nothing they could do. This institution left a hard inquiry on my otherwise IMMACULATE credit report which now is useless because the loan was denied due to the poor service and mistakes of one agent. I strongly dissuade anyone considering a loan through SOFI as my experience was one consisting of confusion on their end, poor service, lack of due diligence on behalf of SOFI management, and borderline illegitimate business practices. I have as a result resorted to reporting SOFI to the Consumer Financial Protection Bureau.
04/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MD 212XX	Web
I was approached by Sofi lending services to apply for a personal loan informing me that i am prequalified. I applied for the personal loan on XX/XX/XXXX, however my application got declined because the lending company claimed that they can not verify my income despite including my most recent paystub in the original application. I called them to inquire further information on XX/XX/XXXX and I was put in touch with an account specialist ( XXXX ) whom looked into the matter and informed me that they made a mistake with my income and I asked me to re-apply as the issue has been corrected. I re-applied and they asked for further paystubs from XXXX which I provided and also asked for my job contract which I also provided. After that, my application got declined for the second time. I contacted them again and they once again informed me that they could not verify my income, which seems pretty odd given the fact that I have submitted multiple paystubs from my very reputable employer. They proceeded to inform me that there is nothing they can do to rectify the matter. When I expressed my concern regarding the negative impact this can cause to my credit especially that it was a system failure on their end and that I/ my credit should not be held responsible for their verification process failure, they informed me that I should dispute this with the credit bureau XXXX XXXX ''. I contacted XXXX and they informed me that they can not dispute a hard inquiry and advised me to contact CFPB and place a complaint with hopes of removing this wrongful inquiry from my credit report as I have no hand in the process failure.
03/12/2019	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	AL 352XX	Web
I have a fixed interest rate term student loan. It was originally a federal student loan, which was refinanced with SOFI. I paid more than double my required monthly payment amount, thinking this would result in a " paid ahead '' status where my next payment due date would be advanced into the future. However, after logging into my account and calling customer service, I learned that SOFI does not ever advance payment due dates. They still want a full loan payment next month. I do not think this misleading practice was adequately disclosed, and it is used to lure people into refinancing their federal loans. Prior to refinancing, my federal loans offered this feature, and my loan was always paid ahead by several months, if not years. SOFI reserves the right to " reamortize '' a loan which is paid ahead, so that the payment term stays the same, albeit with reduced monthly payment amounts, but refuses to give borrowers the benefit of a " paid ahead '' status. They justify this by claiming the reamortization is to avoid a balloon payment at the end of the note. However, if the loan is paid ahead, there is no way there could possibly be a balloon at the end of the term. It is mathematically impossible. This claim is made on their website at : https : //www.sofi.com/faq/ under " Will making a large payment or additional payments change my monthly due amount? '' Paid ahead status is useful for building a " cushion '' so that you can skip a monthly loan payment, and use your income for an unexpected expense. Without it, many borrowers will run into unexpected cash flow issues, which could easily be avoided.
01/21/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Improper use of your report Credit inquiries on your report that you don't recognize	MI XXXXX	Web
Dear Sir, SOFI LENDING CORP did not address and properly answer CFPB complaints on fraudulent inquiries ( disputed fraudulent inquiries of SOFI LENDING CORP ( SOFI LENDING CORP ,XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX, Inquired on XX/XX/2017, XX/XX/2017 and XX/XX/2017 ). I have asked 'SOFI LENDING CORP ' only send the letter over USPS with full name, complete address, all CFPB numbers so that I could submit those letters to State of Michigan and Honorable Courts. But, " SOFI LENDING CORP '' did not do and sent fraudulent letters without direct signatures, incorrect last names, not mentioning complete name, not mentioned all the CFPB numbers in the responses and various incorrect information. I am attaching all the letters with incorrect information, unlawful and fraudulent signatures. Could CFPB kindly store this complaint, unlawful acknowledgements and attached documents in Fraud, Identity Theft, crime and law enforcement records. Sofi kept on harassing me with fraudulent inquiries in my credit report, not sending the CFPB response with right details over the USPS. I am going to submit all these documents in the identity theft complaint and I never ever had any kind of business with CFPB at any point of time for last 12 years and I do not have any plan to have any kind of business with SOFI LENDING CORP for infinite period of time. If there is any, its fraud and identity theft. Please store all these responses and documents in the archive and law enforcement records. Its harassment and disgusting that sofi creating troubles to me one or another with incorrect details, unlawful signatures.
10/16/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	TX 75006	Web
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX SoFi RE : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act Dear Sir or Madam : I am a victim of identity theft. The thief made a fraudulent transaction/opened a fraudulent account in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent accounts identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. Enclosed with this request is the following documentation, as applicable : Proof of my identity : A copy of my drivers license, other government-issued identification card, or other proof of my identity ; and Proof of my claim of identity theft : A completed and signed FTC Identity Theft Report or alternative affidavit of fact. Please provide all records relating to the fraudulent accounts, including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address. If you have any questions concerning this request, please contact me at the above address or at XXXX
07/31/2021	Yes	Checking or savings account Checking account	Managing an account Banking errors	MA 019XX	Web
I opened a cash management account at SoFi called SoFi Money. The deal which is to expire on XX/XX/2021, is that once {$100.00} is deposited, the account will be credited with {$25.00} and then if a direct deposit of {$500.00} or more is made, the account will be credited for an additional {$75.00} bringing the total to {$100.00}. On XX/XX/2021, I transferred {$100.00} from my XXXX XXXX XXXX account initiated at the SoFi Money website. During the same time, I received an email stating that if I made a total of {$1000.00} in direct deposits in 10 days, I would receive {$100.00} Confused by the change in the deal I called on Monday, XX/XX/2021, and spoke to XXXX who stated that the deal has changed many times and his understanding was that if a total of {$1000.00} was made thru direct deposit during any 60 day period in the account, that {$100.00} would be credited. On the next day, XX/XX/2021, I received an email from SoFi congratulating me on scoring {$25.00} since I opened a SoFi Money account and inviting me to open a SoFi Investment account. It seemed that this reflected the original deal of getting {$25.00} upon opening a SoFi Money account to which {$75.00} would be added if I made a direct deposit of {$500.00} or more. I asked for written confirmation and SoFi refused. I am tired of talking to people who have no control and are not responsible. I want SoFi to honor the original deal. I want the {$25.00} bonus deposited and I will direct deposit an additional {$500.00} to get an additional {$75.00} bonus for a total of {$100.00} bonus from SoFi for opening a SoFi Money account.
06/13/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 33401	Web
Hello there, I'm writing in because I have, seemingly, no other alternative. The company in question is SOFI Financial. I had a checking and savings account with them that has been opened for years. Recently, I also applied for, and was approved for a credit card with them. I activated said card and was declined. I thought that was odd, so I tried once more, and was declined. I received no call from them at all regarding this- which I also found odd. I call and they tell me that my entire account, checking/savings/credit card, has been frozen for suspected fraud. Mind you, my checking account has no transactions whatsoever on them. My credit card was brand new. I had planned to utilize both once I received the card. My actually issue lies in the fact that reaching someone at SOFI who can give me actual information as to why my account was frozen, or any details at all about my account is near impossible. Reaching a general agent is fine, until you get through and they direct you to reach their fraud team who I can never get through to whatsoever. Immediately when I am transferred, or call the number directly, I am sent to a voicemail box in which I have left 4 voicemails on already on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have received no response or correspondence back. I have also asked for their general support team to have a supervisor call me back and have received nothing back in return either. All accounts are frozen without any reason, ways to resolve the freeze, or ways in which to reach someone who can provide me any information at all.
03/10/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	OH 432XX	Web
I have been working with SoFi since XXXX for a home refinance. I started this process and selected their company as they offered a competitive rate ( historic lows ) and low closing costs. I would have selected another bank in fact if their closing costs they represented were actually accurate to what they then modified throughout the process - as their rate was not the lowest. Since XXXX, I am still in the closing process, and have in fact had my closing scheduled and canceled Bc of disorganization or what appears now to be discriminatory behavior on their end. The amount of documentation, and verified, credit cards information, multiple credit runs, employment verification over and over this 5 month process has been unimaginable. I have complied in every attempt to make this work, but it appears this bank does not want to proceed with this refinance for some reasons. I have excellent credit, payment history and employment, so there is no reason this loan should be denied. Im at a loss and frustrated that i have not been afforded the opportunity to get a more competitive rate in the market Bc of the actions of this company. The have lied throughout the processes making it impossible for me to move on to another institution to take advantages of the rates in a timely manner. As they will see from my document history I provided nearly all documents in less than 3 days keeping the process moving. The screen shot attached shows my compliance since XXXX and my showing as XX/XX/XXXX ( even though its 2 days away and they requested 2 more documents today and have not scheduled a closing ).
08/14/2020	Yes	Student loan Private student loan	Getting a loan Confusing or misleading advertising	TX 77077	Web	Servicemember
I refinanced my student loans with SoFi in XX/XX/XXXX. The loans were originally federal loans held by XXXX XXXX. The amount refinanced was {$31000.00}. At the time, SoFi aggressively marketed their loans, advertising that they could save customers thousands of dollars with their lower rates. They never clearly communicated to me the risks of losing the benefits that could potentially be offered by the federal government : for example the recent laws passed and executive orders signed granting relief from payments and accrued interest, and the possibility of student loan forgiveness. This information may have been in the fine print, but they did not make efforts to make it apparent. I reviewed all the email communications I received when initiating the loans and this information was not presented. SoFi is now adding this kind of disclaimer to their marketing efforts ( see attached ). This disclaimer is now on at least one of their websites : " NOTICE : Recent legislative changes have suspended all federal student loan payments and waived interest charges on federally held loans until XX/XX/XXXX. Please carefully consider these changes before refinancing federally held loans with SoFi, as in doing so you will no longer qualify for these changes or other current or future benefits applicable to federally held loans. '' SoFi is allowing some forbearance ( 60 days ) now but they are not halting the accrual of interest ( see attached ). I believe that by not explicitly warning their customers about the risk of losing these benefits they are engaging in predatory lending practices.
04/30/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	FL 32708	Web
On XX/XX/XXXX, I received a targeted advertisement in the social media platform XXXX for a personal loan to payoff credit card debt from XXXX XXXX ( SoFI ). I began the process of " checking my rates '' on XX/XX/XXXX, however due to the amount of information needed I did not complete the process that day. On XX/XX/XXXX and XX/XX/XXXX, I received additional emails from SoFI encouraging me to complete my application. On XX/XX/XXXX, I completed the application by providing my address, date of birth, place of employment, years of professional service, and annual salary. After requesting my rate, instead of showing the available rates ( which is what I was attempting to access ) I was notified that I had been declined for a personal loan. At no point was I advised that I was actually applying for the loan as the site left the impression I was checking the rates. When attempting to access the Adverse Action letter, I was directed to call as the reason was " other ''. When I called SoFI I was informed that the denial was due to my credit score was too low and my debt utilization is too high. I asked for the minimum credit score, but was advised that the required score is proprietary. I also explained that there is no adverse action letter on my account and that I expected the denial to be put in writing. The customer service agent explained that I can view in my account and seemed unconcerned when I said that it was not available online. She offered to send it to me via email, but the email I received from her only directs me back to the original link inside of the SoFI account.
04/24/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	MD 20910	Web
Company name : SoFi I am trying to close on a refinance mortgage loan with SoFi. I have requested accommodations for an e-closing and hybrid closing due to the COVID-19 pandemic, but the company has refused to accommodate the request. They have not provided information as to why. Per XXXX XXXX and XXXX XXXX guidance, these accommodations should be allowable especially given the circumstances. These are unprecedented times, and I would like to reduce time and contact with the notary. If this will not be allowed, then I would like an explanation as to why. I requested this information multiple times, but have yet to receive an explanation as to why. Here is my request time line with SoFi. All requests were and responses were done via e-mail : XX/XX/XXXX - Requested information on e-closing XX/XX/XXXX - Denied request for e-closing by XXXX XXXX XX/XX/XXXX - Requested a hybrid closing XX/XX/XXXX - Told that hybrid closing option " may work '' by XXXX XXXX XX/XX/XXXX - Told by XXXX XXXX that they are still looking into the hybrid closing option XX/XX/XXXX - Requested hybrid closing again to XXXX XXXX, XXXX XXXX, and XXXX XXXX XX/XX/XXXX - Told by XXXX XXXX that they will continue to look into the hybrid closing option. XX/XX/XXXX - Informed by XXXX XXXX that this accommodation was denied. No explanation was provided. XX/XX/XXXX - I requested further explanation as to why this accommodation can not be made, but no response has been given and closing is next week. **Expected closing date is XX/XX/XXXX - I would still like to have a hybrid closing completed. Thank you.
04/23/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NJ 070XX	Web
I submitted a personal loan application on the sofi website and was instantly approved for $ XXXX on XX/XX/18. After a few days I received an email stating they needed my most recent paystubs, which I submitted shortly after. Then I received another email / text asking for additional information. I called and spoke with the customer service representative over the phone and she states that the underwriter needed clarification about a loan I took out with Sofi and paid off within 1 month ( I told her I had the funds and instead of paying high interest rate I decided to pay the loan off ). A few days later the underwriter XXXX called and I called him back and he asked the same question. Again I advised him that " I paid off for the loan within the month because I had the extra money to do so ''. Within 1-2 days I received a credit decision stating my application was declined. I called in a spoke with a few different customer services reps and an escalation specialist who all told me the reason for the decline was due to me paying off my loan within a month and that the company policy if that I have to make 3 consecutive payments before paying off the loan ( this was never stated in the original contract ) and because I did not meet the 3 consecutive payments and paid the loan off within a month they would not be able to approve the loan. I think this is very unfair to deny my application for paying off the loan within 30 days I met all the lender other qualification I.E. XXXX and Credit score requirement and would like to know how a company can make such decisions.
02/15/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 95826	Web	Older American
My complaint is with SoFi credit card. Since I have had this credit card my payment is rejected and I am imposed a XXXX returned payment fee. I will call in to complain and they use the same information that I submitted for an automatic payment and my payment goes through just fine and they wave the XXXX late charge. My regular payment is XXXX. On XX/XX/XXXX they attempted to extract XXXX from my automatic payment. The same day the payment was returned and I was assessed XXXX late charge as usual. I spoke with them to my today XX/XX/XXXX and they now claim that the payment is delinquent in the XXXX amount because despite making my regular payments being made on time. They said they would file a complaint within their company. They attempted to get me to make a payment of XXXX to bring my account current. I refused and said I would file a complaint with the appattempting tropriate government agency. At that point I was told that my account is considered and this would be to the credit bureau if not cleard up in 30 days.My email adress is XXXXXXXX XXXX XXXX XXXX This is starting to lean toward fraud in the fact that my payment is returned and am imposed a XXXX return payment fee but when I call and they put the payment through manually it is accepted even though my automatic payment is the same information they use to manually enter my payment. I am XXXX yrs old and on a fixed income. Their attempt to get me to pay XXXX today, XX/XX/XXXX, and attempting to extract XXXX XXXX XX/XX/XXXX instead of the regular XXXX payment will do damage to my budget. Their phoe # is XXXX
04/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35801	Web
Hello, We have a personal loan with SoFi and in late XXXX & XXXX were unable to make some of our loan payments. We let SoFi know that we were struggling due to my job loss and we had never been late on any other loan ( please see credit report for confirmation of this ). We tried to dispute this through each credit bureau to no avail. Weve done this multiple times but each time SoFi does nothing to remove the 3 negative late payments on our credit report. I have been able to get a couple jobs in my industry throughout COVID however there have been many layoffs. SoFi has allowed us at least twice to pay less than our full payment, which has helped but at this point they said there is nothing more they can do for us, even though I lost my job last year. The last time I spoke with a representative at SoFi I asked her am I supposed to pay you instead of my mortgage and groceries? in order to not have another late ( s )? She basically shrugged my statement off. Now I am blessed more than many others in this country and around the world that my husband does work, however we still cant pay our monthly bills without me working as well. I have over {$90000.00} in student loan debt to pay, etc, etc. I need SoFi to do the right thing and remove the lates it is showing erroneously on our credit report. This company has been terrible to work with and does not have the consumers interest at heart. If this is happening to myself, I can not imagine how it might be affecting other families out there who are struggling to maintain their credit scores but keep food on their table.
07/15/2018	Yes	Student loan Private student loan	Getting a loan Problem with the interest rate	WA 981XX	Web
bait and switch company. They presented me with a 4.75 % rate when I pre-qualified. Then once I hard checked and my credit score went down ( meaning its harder to get a better rate from a competitor ) they then raised their rate. They said for mine it was because they couldn't verify all of my income ( $ XXXX ), which was a lie because I showed my offer letter, vesting schedule for stocks, planned ( guaranteed bonus ' ), stock XXXX XXXX account, pay stubs, and had employed for more than a year. HOWEVER, the illegal part was that when I went in and created a new application, with the lower $ XXXX income, I received a lower APR than they offered me on my hard checked application ( greater than .8 % difference ). The know that they are bringing people in at a lower than realistic rate, then increasing the rate once they hard check because they've impacted their credit negatively after. Put in a formal request from SoFi and ask how many of the original rates are honored for individuals and what percent are increased. You'll find out how they are bait and switching hard working students with student loan debt. HORRIBLE COMPANY. Check the screen shots. I adjusted the income from XXXX to XXXX on my new application, and received a lower rate than they offered me after the hard check. It's a ploy to get more people to do the hard credit check and commit. After that, they raise the rate! I checked on XXXX and it looks like MANY OTHER PEOPLE have the same issue with the company. this means its a deceptive trade practice! https : XXXXXXXX XXXX XXXX XXXX
01/08/2018	Yes	Student loan Private student loan	Dealing with your lender or servicer Problem with customer service	MI 48108	Web
I am a graduate student at the University of XXXX in a dual degree program, pursuing an XXXX from the XXXX XXXX XXXX XXXX and an XXXX from the XXXX XXXX XXXX XXXX XXXX ( part of XXXX XXXX XXXX XXXX XXXX ). This is a three-year program ( it saves a year as both programs are normally two-year programs ). The schools charge different tuition, so I am enrolled in XXXX for one year, XXXX for one year, and then in my final year I am enrolled for one semester in each school. I began my program in XX/XX/XXXX and will graduate in XX/XX/XXXX ( my unofficial transcript is attached ). I took out a loan with XXXX in XX/XX/XXXX and another in XX/XX/XXXX to pay for my first year of my program. On XX/XX/XXXX, XXXX ( servicer of my private loans with XXXX ) sent me a notice that I was in repayment. I sent a message asking why and received a response to send a in an in-school deferment request. I discovered that I need the University of XXXX registrar to certify the request and that my loans with two other servicers also had put me into repayment. I attempted to fix this with XXXX, but have not been able to solve the problem. I then attempted to call XXXX to work with the loan company directly. I called XXXX and the customer service representative was unable to find record of my account in the system. She did not provide me any details on how to find my account and only told me she could not discuss my account/help me until she found my account. This does not help me as she could not find me account and gave me no information on how to rectify the issue.
02/12/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	AL 365XX	Web	Servicemember
SUBJECT : Hardship ; XX/XX/XXXX -- I relocated back home to help my recently widowed Mom. XX/XX/XXXX - I was unemployed. XXXX XXXX I Submitted for a " 12 month Unemployment Deferment ''. XX/XX/XXXX - I get noticed that I was late on my payment. XX/XX/XXXX. I called to find out my " 12 month deferment was in 3 month increments. '' Apparently, I had missed the time line by a mater of days. In addition, I am taking my Mom to the Emergency and struggling to find gainful employment and its the holidays. SoFi charges late fees on me. Does not allow me to any more deferments. Reports me to credit agency. I continually paid SoFi through this time and called them multiple times to work out something with me. There is not 1 month in question where money was not sent into SOFI and calls made to keep them informed of the status. My income has been cut by 75 % and they tell me no to refinance, give a forbearance to allow me time to restructure or anything and will not work with other creditors to consolidate or refinance. I felt I was caught up in the " small print '' of things. They continue to send emails telling me they will " help '' but continue to refuse continued " help ''. The entire 12 Month deferment was shady in verbiage in my opinion. I thought I was under deferment when I was not but at the time I was struggling to help my ill mother. I am attempting to restructure my finances and requested additional time to help find my options on XX/XX/XXXX after paying them {$4300.00} and bringing this account current. They once again, told me " no ''.
07/29/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 92122	Web	Servicemember
I discovered a whole bunch of charges to some company I've never heard of before. I disputed these charges with sofi using there online dispute option, and followed up by phone call the next morning ( since they're call center was closed when I initially discovered the charges ) and also because their dispute system only allowed for 3-4 disputes and there was many many more charges than their max. When I called, I was told not to worry, they would send me a new card, and investigate the charges, and that I'd be fully credited for the fraudulent charges Then just a few days later, we'll before I received the replacement card in the mail, Somehow my card began receiving charges once again! I hadn't even received or activated the replacement card, yet somehow my account was experiencing large and numerous charges to this same XXXX XXXX The dispute I filed from the first card came back, and I was shocked to see that all of the transactions were " determined to be authorized ''. All the transactions except for 1, which was approved, and credited back to my card. So why would you credit me for the 1 transaction, but deny the rest, all from the same merchant??? I DID NOT MAKE THESE CHARGES, NOR DO I HAVE ANY KNOWLEDGE OF THESE CHARGES THESE CHARGES ARE TOTALLY FRAUDULENT AND I DONT UNDERSTAND HOW THEY AQUIRED THE NEW CARD NUMBER AND MORE THAN YOU DO. WHAT I DO KNOW IS THAT I HAD NO INVOLVMENT WITH THE CHARGES, YOU CREDITED ME FOR ONE BUT DENIED THE REST! WHY??? PLEASE HELP ME TO GET ME MONEY BACK, WHAT DO I HAVE TO DO?
06/16/2020	Yes	Student loan Private student loan	Getting a loan Denied loan	DC 20007	Web
On XX/XX/XXXX, I submitted a student loan refinance application to Social Finance ( SoFi ) after receiving numerous prequalified notices/promotions. The refinance amount is {$65000.00}. I am a current federal employee, making $ XXXX annually, and have worked part-time at XXXX XXXX 25-30 hours a week for six months, equivalent to $ XXXX annually. I have a XXXX credit score. They denied my application because I can not provide proof of having worked two jobs for a minimum of two years, thus they disqualified my part-time income for consideration in approving my refinance. I spoke on the phone with two separate people at SoFi, one being a customer service representative, and another being the office of the CEO. I can not overstate how ridiculous, overburdensome, and income-based discriminatory these qualifications are. I AM ONE YEAR OUT OF XXXX XXXX. How on earth would I have proof of two years working two jobs. Second, income is income. I have provided sufficient documentation to verify my part time income, which is being scrutinized for how and where it is earned. This is clearly a biased financing practice and should not be condoned. Third, the fact that I have to work two jobs as a government employee just to afford student loans to get a job that REQUIRED A XXXX XXXX, should speak volumes and should not be used to disclude me from access to affordable refinancing options that I am overqualified for given my history and income. I should not be required to provide a co-signer when I have no red marks to my name.
11/05/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX 75219	Web	Older American
I would not recommend any type of loan with this group and wish I had gone to this site before I submitted all of my personal info to SoFi. I wanted a small loan of $ XXXX to renovate my home prior to listing it for sale. My credit rating is above XXXX XXXX. I have a small mortgage payment and minimal debt and had the money for the renovation but wanted to use the loan money instead and go through the online loan experience for a change. Big mistake. A few weeks after submitting my app a young woman called me on a Sunday to tell me she thought she had everything ( after I had sent most all of my financial info for prior years ) but now needed proof of income for 2016 which I sent that day. Unfortunately it did not register that I had submitted this info on the web site until 4 days later. I then called and called for followups for the next few weeks and would call and tell my woes to various jkSoFi employees who stated they would advise this woman who had my file to put me toward the top of the list. Another several days went by and I received a rejection letter from them. I was dismayed at their lack of caring and handling of this loan request. In my opinion they are not qualified to be in the loan business and are deceiving the public about what they can do. If they continue to provide the type of services they currently provide, in my opinion they should be investigated soon. Plus I do not know where all of my personal information sent nor what they are doing with it. The whole experience was disturbing.
08/11/2017	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	CA 91764	Web
I need two issues fixed. I signed closing loan documents on XX/XX/XXXX for a student loan refinance greater than {$73000.00}. When my loan funded on XX/XX/XXXX, SoFi began charging me interest on this large sum the day of funding. However, instead of a wire or ACH transfer to my two refinanced institutions, it seems they mailed checks to pay off these lenders. At least that is what the rep said on the phone today. Essentially, I was paying double interest even though SoFi still had the money in their account. When I emailed SoFi to seek correction, I was told interest on my old loan stops accruing the day before my loan funded ( XX/XX/XXXX ). They were wrong. I was also paying on {$62000.00} of this loan at my previous lender too. SoFi should either send funds via wire or not charge until the checks clear their account. The point of my refinance was to save in interest payments ; not to double down on the amount of interest I am being charged. I called today to correct this and also opt out of third party sales as allowed by the Gramm-Leach Bliley Privacy Act ( GLBA ). SoFi 's notice says I can opt out by calling them or online. When I called, they told me I needed to go to their website. I could n't at the time and asked they perform the opt-out for me. She refused. When I asked for a supervisor, she hung up on me. I should be allowed either method offered and not be bullied into their preferences. I still would like to confirm I am opted out of the California and national solicitations.
02/26/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	WI 53092	Web
SoFi heavily solicited me with a " pre-approved '' offer of a loan for {$50000.00}. I finally accepted their pre-approval and submitted the requested documentation to prove identity and income. Shortly after discovering I was XXXX XXXX through means of my driver 's license the company denied my loan citing an inability to verify my income. I have worked for the same company for well over a year, the company did not ask me to provide additional documents or even give me a chance to " verify '' my income. When I called to have a more detailed description of the reason for denial the representative thought the denial reason was " odd '' and said so directly. I personally know of other well qualified high earning XXXX XXXX that received pre-approvals and were then " denied '' mysteriously from this company after their identity was verified. It is my strong belief that this company discriminates against XXXX XXXX. When I asked for how they determined my income could not be " verified '' they refused to release the name of any agency or consumer reporting agency that they based their decision off of. They wrongly justified their position of not releasing the agency used to make their decision as proprietary information, despite the fair credit reporting act specifying otherwise. There unethical lending practices lured me into applying for a loan product with them, leading to a hard inquiry on my credit which has prevented me from securing the loan I need with a more reputable lender.
05/30/2018	Yes	Student loan Private student loan	Getting a loan Denied loan	RI 028XX	Web
On XX/XX/2018, I applied to refinance my student loans with SoFi and was denied. According to the adverse action notice, the people at SoFi " carefully reviewed my application '' and could not currently grant me credit. The reasons are unknown, because I need to submit a letter to them requesting them. This is very unfair, as I believe they should automatically tell me these reasons in an adverse action letter. The company did a soft credit pull and put this information on the adverse action letter. The credit score there was lower than any score I've ever had ( I frequently check - my score is typically in the 720-750 range, and this was less than 700 ) and noted serious delinquency. When I looked at my free credit report, there was no indication of any delinquency at all. If this was a reason I got denied, then this is ridiculous since it is untrue. I did speak with someone when I originally applied, and they stated my working less than 2 years would be a reason for denial. I have worked a little over a year and a half because I graduated college two years ago and spent a semester in grad school. I found a job within weeks of leaving school, and was " unemployed '' for less than 2 months. I don't understand how a company that works to refinance student loans can penalize an applicant for working less time because the time up to when I started working was made up of me attending college, which is why I have the loans in the first place. This seems very unfair.
05/28/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	CA 94560	Web
Approximate one month ago ( XXXX. XXXX, 2022, I believe ), I found that I couldn't use my SoFi credit card and the app indicated that I needed to activate it. This was strange since I'd had the card for quite a while without issue, so it shouldn't have suddenly needed activation, like a new card would. I called SoFi that day and they told me the card had been reported as lost or stolen and was deactivated. I asked them when this happened and they told me it was the day before I called them, which I had not done. During my call, I asked for them to investigate who made the request since I am the only person authorized to make this type of request. I was told I would be contacted within two weeks, but more than two weeks later, I still haven't gotten a reply. I also asked why they didn't send an email or letter informing me of this as every other credit card issuer does and I didn't get an answer. The agent said she did not know either. I have still received no information and my account is still frozen. I believe this practice is unfair since I am not being informed about decisions that affect my identity and security, as well as not being provided with information about how this could have occurred. I do not believe that SoFi is properly investigating this and has been negligent in taking action on potential fraud. They also have not provided me a case number, telling me only that I will be contacted and provided the case number, which also has not happened.
12/27/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CA 92692	Web
I did an on-line chat to get the address to send my payoff amounts for my XXXX loans. My normal address is a po box that you can not overnight payments. I sent in the payment to that address via fed ex with a tracking number. When the loans did not payoff timely, I called in to status. The customer service agent told me that they would forward to the proper address via regular mail and could take another week. I am confused why they would internally send payoff funds via regular mail to another one of their offices. After calling in 2 additional times, they finally told me to stop pay and reissue which I did. I asked to have the payments post dated to not pay any additional interest due to the error of the on-line rep. They did indicate this was an old address for them as I did not make it up. Now, they have asked proof of the on-line chat that they do not have stored in their system. I tried to log on to find it but they do not save the history for customers. I am at a loss as to how I can " Prove '' this conversation to them when they do not keep these records. They have told me that they will not back date and I also had to make payments on both loans that they are now sitting on because of the time delay so I would not be reflected as being late. I just want to be refunded the interest due to their error and do not understand why this is so hard and I have to prove to them the on-line conversation. They also need to strengthen their handling of payoff funds.
06/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL XXXXX	Web
SOFI LENDING CORP. and XXXX have been and are reporting inaccurate information on my credit report. SOFI LENDING CORP. and XXXX have been and are reporting hard inquiry without verifiable proof of my consents. SOFI LENDING CORP. and XXXX have been and are reporting the hard inquiry as inaccurate information without verifiable proof. As a result, there is no permissible purpose of putting the hard inquiry on my credit report. I sent certified mails to both XXXX and SOFI LENDING CORP. asking about the permissible purpose of the hard inquiry and verifiable proof of the inaccurate information. I waited more than 30 days to have the verifiable proof from XXXX and SOFI LENDING CORP. of their inaccurate information and I didnt receive it from all of them. Since neither XXXX nor SOFI LENDING CORP. have verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiry should be deleted immediately. Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Third certified mail tracking number sent to XX/XX/XXXX on XXXX/XXXX/XXXX : XXXX. Certified mail tracking number sent to SOFI LENDING CORP. on XXXX/XXXX/XXXX : XXXX. The following hard inquiry which should be deleted immediately is : Creditor Name : SOFI LENDING CORP Date : XXXX/XXXX/XXXX
07/13/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	WA 98008	Web
On XX/XX/XXXX I applied for a personal loan through SoFi, and the application included my most recent paystub. I stated an income level of {$110000.00} gross ( before tax ), and showed them a weekly paystub of {$2200.00} ( before tax ). That night, a message appeared on their website that stated that a voided check must be submitted to verify my banking information. The next morning, XX/XX/XXXX, I attempted to upload this document and the website encountered an error. I contacted customer support, who was able to upload the document for me through a secure messaging system. Additionally, they asked me to provide a bank statement, and I did so. After providing these documents, they were verified, and I was able to sign paperwork for the loan. On XX/XX/XXXX, I was sent an email stating there was " one last step : a quick call '' and they would contact me, but the call never came. Five days later on XX/XX/XXXX I was sent another email stating that the application was denied. The website shows that they were " unable to verify income '' despite having BOTH bank statements and my most recent paystub. Having contacted customer support through both email and phonecall, neither was able to provide any additional information on why they were unable to verify my income or the process they used to verify it. I have offered to put them in contact with my employer, but they refuse. I strongly believe that they are lying about being unable to verify my income level.
01/21/2021	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	UT 840XX	Web
SoFi offered a {$50.00} new account bonus and I opened an account via the dedicated landing page on XX/XX/XXXX and fulfilled all terms of the offer on the same date. The terms of the offer required that I deposit {$500.00} and that SoFi would add {$50.00}. SoFi did not credit {$50.00} to my account but instead credited {$25.00} on XX/XX/XXXX. I contacted SoFi 's customer support on via chat or about XX/XX/XXXX regarding the discrepancy and was told that the {$25.00} was for an unrelated promotion they were running and that the {$50.00} would be in my account within a couple weeks. On XX/XX/XXXX I against contacted SoFi customer support via chat and was told that the customer service agent would create a ticket for the issue and that the {$50.00} would be in my account within 10 days. On XX/XX/XXXX I again contacted SoFi customer support, this time via phone, and was told that a third party I have never met needs to complete a W-9 before they will credit my account the {$50.00}. Or at least that " might be the problem '' but that I would need to call back the next day to find out more. The contract offered to me by SoFi via their website makes no reference to my needing to gather information or other deliverables from any other party in order to receive the {$50.00} and if I had known that SoFi was seeking my assistance in completing their compliance paperwork for another individual I would never have opened the account or transferred any money to them.
02/09/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 92104	Web
I have a personal loan with SoFi. On XXXX XXXX, XXXX, I made a payment to pay off this loan in full. I then cancelled the automatic direct deposit that had previously been connected to my account. Sometime after XXXX XXXX, XXXX that payment was rejected. Upon being notified that the payment was rejected, I initiated a wire ( with wire instructions provided by the customer service representative ). This wire was initiated on XXXX XXXX, XXXX. It is now XXXX XXXX and that wire has still not been applied to my account. Not only has the wire not been applied by SoFi reached into my checking account and took out a monthly payment inappropriately on XXXX XXXX. Regarding the wire not be applied - I have called or emailed almost daily about this matter. Each time, I have to speak with a different person and have to explain the scenario over again. I have had multiple people tell me that they will call me back " today '' or " tomorrow '' and I never receive a call back. I have had multiple emails to customer service not been returned. Regarding inappropriately taking almost {$400.00} from my account, the customer service representative told me that it was my responsibility to turn off my direct deposit. I was able to show him that I did indeed turn this off. This was evidenced by a XXXX XXXX payment NOT taken from my account. He then told me that he would speak with his manager about issuing a refund and would " call me back tomorrow ''. I never heard back from him.
03/13/2019	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Confusing or missing disclosures	CA 94558	Web
I signed up for a member ship with sofi a few month 's ago i started to utilize the services offered. Then in the beginning of XXXX i had a issue with my external bank account where i was getting unauthorized transactions so my bank advises me that they need to send a stop payment to all my transactions to be able get my funds back. So i contracted sofi to let them know what the situation and was and sofis customer service told me my account will be at a negative and that to avoid any account fees i needed to make another transfer to being my account current. So on XX/XX/2019 i transferred {$20000.00} because i ended up closing my external account due to fear of my account being tampered with i then transfered my remaining balance to my sofi account. So my sofi membership account holds my funds totaling {$35000.00}. My complaint is sofi isnt even a bank how are they able to hold all my money and not release my funds to me its been 7 days they have bern with holding my funds and thats not right. I feel like they are breaking some sort of law because it's my money it came from my external bank. Ive tired emailing calling and they do not give me no answers yet my funds just sit there. I thought that maybe its due to assumption of illegal account activity but that's not possible because they make you log into your external bank to verify account owner ship. I just want my funds to be accessible for my use not to be held by a company that isn't even a bank.
07/13/2022	Yes	Checking or savings account Savings account	Managing an account Funds not handled or disbursed as instructed	MN 55427	Web
Related to complaint : XXXX Sofi sent me a check via XXXX XXXX to close out this matter. However, according to my bank, the check they sent me is not cashable as it doesn't include SoFi 's routing or account number. Because it is missing crucial information, it is not cashable by my bank ( XXXX XXXX ). This is the second check they sent me. The first they refused payment, this second does not meet the basic requirements of a legal ( cashable ) check. Response to last complaint resulted in a written lecture about the status of my phone and a promise to send a second check. Again, the second check does not meet the minimum standards of a cashable check as it is missing routing and account numbers- so my bank unable to submit for payment. Calls to SoFi result in them taking my name, telling me call must be handled by regulatory complaints team, who will call me back, but then never actually calls me back. ( which I can prove by my phone 's call history ). They will claim this is because my phone has been hacked, but I had reset by my carrier back to factory settings and have had no issues outside of those with SoFi. As a bank, SoFi should be able to produce a check that is cashable. Telling the CFPB that they are sending me a check to close out this matter, but then refusing payment on the first check and sending a worthless check the second time, feels very much like an attempt to wear me down and not respond in a truthful way to this situation.
11/02/2020	Yes	Student loan Private student loan	Dealing with your lender or servicer Problem with customer service	MO 641XX	Web
SoFi heavily advertised a {$450.00} bonus paid in cash for refinancing a loan with them. The process of setting up the loan, while it does involve entering bank account information, does not trigger the payment of the {$450.00}. There are no clear instructions on how to provide the needed information to SoFi to receive the {$450.00}. I received emails notifying me they needed my bank account info for ACH deposit, but the link took me to a general account home page with no clear place to input the information. After reaching out to their customer service, they told me it could be found in the " refer a friend '' section of the " membership '' menu. There was nothing before my interaction with the customer service agent that pointed this out or made it clear in any way on the website or in any emails. Additionally, the terminology on where the information is to be entered does not align with what a reasonable person would normally search for and creates UDAAP concerns on my part. I believe that the process is potentially designed to be deliberately difficult to reduce the number of customers who actually complete the needed information to receive the {$450.00}. I recommend an audit of the company 's incentive program, communication, and the number of claimed rewards vs those that are not. I would also recommend the analysis be performed from a Fair Lending perspective to determine if there has been a disparate impact on XXXX customers.
07/04/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX 75206	Web
Executive Summary : SoFi unilaterially cancelled my debit card, after changing from Visa to Mastercard. After promising to provide a replacement, SoFi has failed, after four months and six requests via telephone, to provide a replacement card. Early in XXXX, SoFi informed me that it was changing from Visa to Mastercard for SoFi debit cards, would be cancelling my SoFi Visa debit card, and sending me a SoFi Mastercard debit card to replace it. From memory, the Visa debit card was cancelled at the end of XXXX, XXXX. When SoFi cancelled the Visa card, I had not received the Mastercard replacement. As of today, XX/XX/XXXX, I have made six phone calls to SoFi customer service inquiring about the replacement. The next-to-last call, on XX/XX/XXXX, the representative informed me that although I had updated my address ( I moved from XXXX XXXX to XXXX XXXX at the end of XX/XX/XXXX, at which time I change changed my address using the SoFi app ), SoFi was still sending cards to my former address in XXXX XXXX. After a phone call today, I have spent 3.1 hours addressing the situation. For a sixth time today, a telephone representative of SoFi promised to send my a new debit card to my XXXX address. As I have no confidence in SoFi 's competence to complete this task, I am escalating my complaint to the CFPB. In addition to demanding my card, I demand compensation of {$620.00} for the time I have spent addressing the issue. ( {$200.00} x 3.1 hours )
02/04/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 91320	Web	Servicemember
I applied and was approved for a loan from SoFi on XXXX XXXX. Signed and submitted the acceptance paperwork on XXXX XXXX. Since then, every employee has given me a different story on when the funds will be in my account. I 've been told on three different occasions the funds were ACH 'd into my account and would be available in a few business days. I was given other deadlines by two additional employees for when the funds would be available and those, too, have came and passed. The customer service representatives have no more information available to them than I do when viewing my application online, and I 'm being told that the fate of these funds is in the hands of a funding department that no one can contact, has access to, or has a phone number for. A supervisor was supposed to get me a transaction tracking number and call me back, she never did. I spoke with another supervisor who told me the funds were approved XXXX XXXX, and I have yet to see them. At this point I think I was the victim of a fraudulent scam aimed to obtain personally identifiable information from consumers. The interest rate on my acceptance paperwork is actually higher than what I was approved for, and that paperwork says I have a payment due on XXXX XXXX, even though I never received a dollar from this company. At the very least, this is an inefficient, misleading, and dishonest company who flat out lies to consumers. Worst case scenario, it 's a complete scam.
03/12/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NY 14606	Web
I received my new SoFi Financial credit card and have subsequently been issued my now fourth new card due to fraudulent activity on the previous cards. They company did reverse one of the charges before I even knew it was made. There are 2 other charges on my account that are also fraudulent and they have been reported numerous times to both fraud and their customer service department. I received a letter from their fraud department stating they were investigating the claim. They have not put any holds on the fraudulent charges and due to the length of time and lack of protections I have had to make a payment to avoid a mark on my credit. Keep in my I have never used this card and I'm waiting for the fourth card to come and it's all happened in less that 6 months. The phone number that is in the lettter from the fraud department is a line that is never answered and you are detected to leave a voice mail and you call will be returned within 24 hours. I left VM 's on XXXX on XXXX and never got a call back. The number they give is XXXX extension XXXX. Please try this number to verify that what I'm stating is actually a fact. My opinion is that the is an unmonitored line. This company is very unresponsive and my goal is to have these fraudulent charges removed, my unnecessary payment returned to me and then I can close this account as it seems their security is lax to say the least and their customer service rates even lower.
10/13/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 906XX	Web
Sofi. Has put a hold and lock on two accounts, I opened .I was told that the reason is due to a investigation ongoing, but when this account was open I had problems with my funds and purchases being made from the account with out my approval or knowledge. There was a complaint I made they said that I put in the wrong address and the first set of checks were being used by online purchases. I did not put in the wrong address. The representative called me after I ordered the first checks his name was XXXX. He asked for all my information then hung up I called back and some other representative said there is no way I spoke to a man that worked for sofi they are not allowed to give a name. I explained the caller Identification said sofi the lady said that she would call back. Any how my account was compromised, then before they called back another purchase was made for XXXX at XXXX I called sofi again they said there is nothing they can do it looks like a good purchase I returned said maybe its a mistake from XXXX XXXX used to make a purchase on a site I was browsing but I checked and Ive never visited the site before, I again got on the phone said how is it possible that you dont have the means to put back what you lost that I had trusted sofi with. I was in mid explaining when the person said I can put another order of checks for you. I said ok. And they shunned me .hung up and that was when I last spoke to them.
09/19/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NJ 085XX	Web
I was sent a pre-qualified offer for a personal loan by Sofi. When I created my account and requested a rate, one was provided to me and i was prompted take next steps including a hard inquiry on my credit. On first application, I provided following documents : 2 Most recent pay stubs Copy of my XXXX XXXX Application was denied as Sofi responded that they can not verify my employment I applied again and provided following documents : Copy of 2016 XXXX 2 most recent paystubs Copy of My XXXX XXXX Again Sofi declined the loan citing " unable to verify employment '' One of Sofi underwriters viewed my XXXX profile as well. I called Sofi and was told following WE CAN NOT PROVIDE YOU DETAILS OF WHY WE CAN NOT VERIFY YOUR EMPLOYMENT. Keeping in mind that i provided my SSN, employer 's EIN and most recent XXXX, it is very hard to imagine how Sofi would fail to verify employment. I got my employer on the phone with Sofi. We were advised to open a third application so Sofi can look into it. I followed their advice and opened a third application. This time I called Sofi every day when the application was in review, notating on the case that if Sofi is having difficulty in employment verification, reach out to my employer. I was assured that it will be done. But the application was declined again, citing inability to verify employment. At no time an attempt was made to reach out to me or my employer verify.
04/26/2021	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	CA 92660	Web
I had a checking and investing account with Sofi, and been using it for months with no problem and there was always positive balance abd on average XXXX balance on it. There was a check that was deposited by mistake and they placed the account on restriction and cut my access to the entire money on the account even after I contacted them and notify them that the check was deposited by mistake and they can hold the amount for the check but I need to access my funds since at the time was my only account and the only source of money. They cause severe damages and issues by placing a restriction on the account. I contacted them many times and kept asking them to give me access to the funds i have on the account. They kept telling me they are investigating and i have to wait. After one week I just call them and asked them if they can just close the account and just give me the money i have on the account because i was in financial hardship. They even refused to closer the account and also said they are not going to give me my funds because of a wrong check that actually never deposited into account and they refused to deposit it since the beginning and now for no reason they stealing my money. I have over $ XXXX total on both checking and investing account and need my money very urgently and I been facing a lot of issues because not having any other source of money and I need your help to get my money.
04/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77096	Web
I had a XXXX mail account hacked in XXXX and they used this for an extensive, sophisticated identity theft in which, on XX/XX/XXXX, they hacked and attempted to hack all of my other accounts including investment accounts. They also attempted to take out dozens of loans and credit cards in my name. I immediately froze my credit with all of the agencies, changed my passwords, and set up all of the precautions I could think of. I immediately appealed accounts started in my name. This effort continued through the rest of XXXX and lingered through most of XXXX and I thought I had stopped and limited the damage, although I am still dealing with consequences. In XX/XX/XXXX, I found out that one of these accounts, at SoFi lending, was not appealed correctly in the fracas of XXXX. In the three months, they had reported a debt of {$10000.00} to a collection agency. I immediately requested a fraud packet from them, and completed it, including a full police report of the XXXX identity theft. It took them over a month to review this, which included not receiving the police report which had to be eventually resent by certified mail. They let me know last week that they have determined that the debt is in fact owed by me and they will not be classifying it as fraud. They have not been able to tell me why this is the case, nor the address or account or any details to whom the {$10000.00} was remitted to.
12/31/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NY 144XX	Web
On XX/XX/2021 I logged into my sofi account and my balance was XXXX XXXX the next day I logged onto my account my balance was XXXX and there is absolutely no trace of a posted payment on to my card yet I am being charged XXXX $ from XXXX yet I can not see this charge in my transaction history and they claim it is still pending. If it was a pending charge it would NOT effect my current balance until it was posted. This credit card company SOFI is refusing to help me and remove the transaction, and also refusing to provide a proof of purchase or anything of that sort to help me. They change their story every 2 minutes and treat their customers like trash. One employee XXXX XXXX, XXXX XXXX XXXX went as far as personally insulting me. " You're a XXXX '' she said, on a recorded line. I then talked to XXXX ( XXXX ) and she did absolutely nothing but waste my time and say that she cant help me. There is no proof of purchase, I can not see the purchase and they will not send me any proof. They are refusing to remove the charge and will not work with me. This will ruin my credit score because of the high utilization on the card, but I believe it was a sofi member who spent my money and that is why they will not give me proof of purchase and they keep running me around in circles. This company is complete fraud and they have stolen from me. Please Avoid SOFI at all costs, it is a terrible bank.
03/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 37214	Web	Servicemember
I am writing an update to complaint # XXXX against XXXX and complaint # XXXX against SoFi. On XX/XX/2022, I contacted XXXX to find out why I have hard credit inquiries on my credit report, request a dispute, and start the error resolution process. XXXX insisted I had to contact SoFi to resolve it. XXXX refused to do anything but claim they would start a fraud alert. XXXX did not provide any documentation of the fraud alert. Since I should not have any accounts with SoFi, I felt reluctant to give up my personal information. I contacted SoFi to try to find out why they abused my financial information & placed hard inquiries on my credit report. Staff were able to identify some erroneous account information & claimed that SoFi would perform a fraud investigation and/or fraud review. On XX/XX/2022, I returned to my flat & saw envelopes from SoFi in my mailbox. I opened to see an actual credit card that erroneously claims I am a member since 2022. I had another envelope containing a pin # for the credit card. Since I already called SoFi on XX/XX/2022, & have not received anything documenting the reported fraud, I am submitting this regulatory complaint so that SoFi can understand that it is a serious violation to initiate a brand new line of credit and credit card through abusing an individual 's financial information. Please let me know what you find out from SoFi. Thank you, XXXX XXXX
10/30/2020	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	TX 76010	Web
On XX/XX/2020, I opened a " Money '' account with SoFi. The " Cash Back Terms '' for this account said, " For each eligible transaction made within 60 days of the date your new SoFi Money Account is opened, SoFi will credit your account for an amount equal to 5 % of each eligible purchase, up to a maximum of {$100.00} during the Promotion Period. '' By XX/XX/2020 ( well within the 60-day limit ), I had made more than {$2000.00} of eligible purchases, meaning that I should receive {$100.00} cash back. SoFi has never credited my account with any cash back ( see account history ). On XX/XX/2020, XX/XX/2020, and XX/XX/2020, I chatted with SoFi to try to resolve this issue ( see various transcripts ). On XX/XX/2020, I was told that I met all the requirements for the {$100.00} cash back, and each time I was told that SoFi was working on the problem and that it would be resolved in 10 business days ( after XX/XX/2020 ) or 3-5 business days ( after XX/XX/2020 ). But even after all of these communications, SoFi has still not credited my account with the {$100.00} cash back. I am uploading the terms of the account ( XXXX Sign Up Earn 5 % Cash Back SoFi XXXX ) ; chat transcripts from XX/XX/2020, XX/XX/2020, and XX/XX/2020 ; an email showing that a ticket was created on XX/XX/2020 ; and an account history showing all transactions on the account to date ( XXXX Account History SoFi - XXXX ).
03/13/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	MA 02115	Web
I am writing to file a formal complaint/claim against XXXX for its negligent handling of my debit card disputes. Not only has XXXX denied my disputes, but it has also neglected to address concerns and disputes I have raised about its investigation procedure in several email exchanges with its customer support. Furthermore, it is refusing to dispute additional unauthorized charges I have found and filed with the same merchant. In several email exchanges with XXXX, I have voiced concerns about its third-party investigator 's ( XXXX ) approach to investigating the unauthorized charges and expressed it was a biased review and not one that was done in my best interest to help me get the money back. I also filed a police report with the XXXX Police Department, as well as an FTC ID Theft report and affidavit, yet the police nor the FTC were ever contacted as part of the investigation. Currently, my account sits at negative - {$1900.00} due to this. I have sent a Demand letter to XXXX asking for it to credit my account in full for the unauthorized charges I have disputed, totaling {$4400.00}. XXXX has told me that it will not honor it. I am attaching my Federal ID Theft report as well as a police report, and I have several documented email exchanges that I will present to the Attorney General 's Office in Massachusetts in the event that this does not get resolved through the CFPB.
06/05/2021	Yes	Checking or savings account Other banking product or service	Closing an account Can't close your account	NE 68516	Web	Servicemember
On XX/XX/2021 I requested an ACAT to transfer all of my publicly traded stocks, and cash from the brokerage Social Finance , Inc. DBA SoFi Invest to the brokerage XXXX XXXX XXXXn the amount of {$1900.00}. On XX/XX/2021 I received an email from SoFi Invest ( investsupport@sofi.com ) denying my request to transfer all of my stocks and cash out of SoFi with the following explanation : " Our Invest accounts must be funded for 60 days before an ACAT transfer out can be processed. '' On XX/XX/2021 I called Social Finance, Inc. at XXXX and spoke to a representative who explained to me that SoFi had denied my transfer in order to hold my stocks and cash for 60 days. I informed the representative that according to the SEC website that by law the ONLY reasons SoFi would be legally able to reject my ACAT transfer would be due to improper filing, or questions on share ownership. Neither of which apply to me. Therefore, I require SoFi to approve my ACAT and release my publicly traded stocks, and all cash ( less the {$75.00} transfer fee ) to the brokerage XXXX XXXX as requested. I alerted the representative that were the ACAT denial not reversed that I would be filing a complaint with you, the Consumer Financial Protection Bureau. I am filing this complaint in order to alert Social Finance , Inc. that they are willfully and knowingly breaking SEC regulations by denying my ACAT transfer out.
06/13/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	PA 152XX	Web
In XX/XX/2017 I found a promotion through XXXX, where you could receive points for refinancing your student loans through SoFi. I was interested, and applied through the correct link, which brought me to the SoFi website. I applied, and was approved. I called SoFi to confirm that the promotion was on my account, as there had been some back-and-forth since application for additional documents, etc., and was told that indeed I had the promotion and the points would take several months to show up. I waited 6-7 months before calling back and asking about the points, which had not yet shown up. SoFi told me that I had used an incorrect link, and so I did not get the promotion. I asked the representative to check call notes, and he confirmed that I called specifically about the promotion, and was told that I would receive it prior to funding my loan. However, as the promotion has since expired, there is " nothing they can do about it ''. I asked about alternative ways to be made whole, and they are unable and unwilling to do anything. I asked for confirmation of this in writing ( including the notes where I was specifically told I had the promotion, the day before funding my account ) and they are refusing. I would move my loans to another company if it wouldn't adversely affect my credit score/report, but I'm not willing to tarnish my creditworthiness over SoFi 's misrepresentation.
07/12/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	OH 45424	Web
On XX/XX/2021, I applied for the SoFi Credit card with a promotion stating that once you apply for a credit card and make a purchase by XX/XX/2021 you will receive {$100.00} worth of bonus points within 45 days. I made a purchase on XX/XX/2021, and by early XX/XX/2021 the points had still not posted. I called SoFi who said that I qualified for the promotion and the points will post by my statement ending on XX/XX/2021. By XX/XX/2021, the points had still not posted to my account and I called back and they said I qualified, but they would have to look into and email me. I never received an email so called SoFi back the following day, and they said they would submit a ticket and get back to me. I still had not heard back, so again called SoFi on XX/XX/XXXX who said they would submit a ticket and I will receive my points in 10 days. By XX/XX/XXXX, I still had not received the points so again called. The Credit Card team stated that I was supposed to be awarded the points by XX/XX/XXXX, and transferred me to the SoFi Money team who handles the points for follow-up as the points still had not posted to my account. The XXXX team claims the ticket is still opened, and I would receive the points, but provided no timeline for resolution. For points I should have been awarded in early XXXX, and five plus calls to seek resolution is not fair to the consumer.
03/14/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with rewards from credit card	FL XXXXX	Web
I opened a credit card with SoFi and earned XXXX reward points from this card, which according to their Terms and Conditions I should be able to redeem as {$160.00} to my checking account. When I contacted them for redemption- they told me that I need to combine my credit card account ( registered to XXXX ) with my checking account ( registered to XXXX ) and they created a technical request to do that. When they combined these 2 accounts into one ( XXXX ) I discovered that they moved my credit card to this account, but they have not moved my earned points. So now I have my credit card registered on XXXX, but my points on XXXX, so I can't redeem them at all. I contacted them multiple times, each time I had to spent 1-1.5 hours on the phone, explaining this problem. Their customer service have people with zero understanding and zero willingness to help. All they could do- they created a technical case to move my reward points from old account and promised to call me back. That happened twice. And both times nobody called me back and I received emails like this : " This email is to inform you that the technical issue ticket you reported most recently via ( OIS Ticket # : XXXX ) has been determined to be closed and/or resolved. '' I conclude that they have zero respect to their own customers and zero responsibility to honor their own Terms and Conditions.
04/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	IL 601XX	Web
I was alerted to a fraudulent credit inquiry by XXXX on XX/XX/2022. It was by a personal loan company named XXXX. I immediately alerted XXXX that this was fraud, and they told me they would take the necessary steps to make sure more fraudulent activity did not take place. I also contacted XXXX immediately and let them know that this was identity theft and that XXXX owner of the XXXX being useddid not apply for any loans. The next day, despite being on the phone for over an hour with XXXX the previous day, another hard inquiry for a personal loan from SoFi was allowed through. My accounts, reports, etc are frozen. I have placed alerts on all three bureaus. Furthermore, XXXX has made it their policy to never talk to a customer unless they are a business customer. Their automated system menus are deliberately designed to lead callers to dead-ends and hang up on them. They dont take their duty as to the public as a credit reporting agency seriously and are not even willing to fulfill the basics steps to protect the identity of the people whose information they sell. I have not been able to get a response from them or Sofi at this point. I am purely depending on credit locks and freezes and my personal diligence to protect my finances. The hard inquiry on my credit still remains. Luckily, I dont believe any loans were generated as I reacted within minutes.
08/15/2018	Yes	Student loan Private student loan	Getting a loan Problem with the interest rate	PA 159XX	Web
On XX/XX/2018 a Sofi manager said she would expedite my son 's application if I would immediately upload my college transcripts of which I followed her instructions precisely. However, somehow the application fell through the cracks at SOFI. The application was never expedited as promised and was closed. For three weeks, I have been trying to speak with a manager to find our how we can re-open the application and for some reason SOFI keeps dodging me on speaking with a manager. I have called numerous times and sent numerous emails. Sofi keeps saying the manager has been unable to reach me but what they are doing is calling once and hanging up immediately. At this point, I am starting to see the light. This is all part of a harassment tactic of theirs to stop me from pursuing my case. I want to report them for harassment and unfair business practices. Also, their process is not streamlined and hence the need for the expediting process but this is a long story and far less important in comparison to the harassment I have been receiving by them. Desired Outcome : To have a manager phone me and not hang up and to re-open our original application at the original contracted interest rate. I do not want to start a new application at the higher interest rate ( interest rates have climbed and is now 1 % higher than the original application date interest rate )
11/13/2019	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	CA 90046	Web
Recently I decided to move to Sofi to refinance my student loans to a lower rate. A representative from SoFi informed me on the phone that if I have a Sofi Savings Account, I will get a 0.125 % discount for my student loan refinance. So I did. I opened the savings account. When my loan was funded, I see now that the promised 0.125 % discount never materialized. When I called SoFi, they said that I needed to have a positive balance in the Savings Account. I mentioned to the representative that no one said anything to me on the required balance amount. The representative said even a {$1.00} of balance would have helped you with your discount. So basically based on the miss-information and the promise of the 0.125 % discount that Sofi provided, I moved to SoFi. Not only I did not get it, but also the representative did not even try to work out a solution. SoFi has the recordings from that day and if you listen to it, you will hear the miss-information. I have attached the recording from my conversation with SoFi representative that he agreed for me to record from today 's call. This is not right that a company gets away from giving miss information and the consumer is left alone to the corner after they get my business. I could have gone to another company with a lower rate like XXXX XXXX, but choose SoFi based on the additional discount.
05/20/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	VA 225XX	Web
1 - On XX/XX/2020, my wife and I applied for a cash-out refinance with SoFi. The same day, an initial loan disclosure was provided. 2- On or about XX/XX/XXXX, my wife and I elected to change from a cash-out refinance to a regular refinance. An updated loan disclosure was provided on this date. Closing was scheduled for XX/XX/2020. 3- SoFi was unable to meet the XX/XX/XXXX closing as the loan was still in underwriting, and on XX/XX/XXXX, the final closing disclosure was sent to us for review. On this disclosure only 5 items were listed in section B of closing costs. The closing date was scheduled for XX/XX/XXXX. 4- On XX/XX/2020 ( one day prior to scheduled closing ), SoFi sent a new final closing disclosure, but added 2 additional fees ( now added as fee line item 6 and 7 ) that were not on the last loan disclosure from XX/XX/XXXX. Upon review, these closing fees were not as a result due to a change in circumstance, and the company representative responded that the fees were added into the closing disclosure because they inadvertently omitted them from the last disclosure document. As a result, closing costs increased overall by approximately 15 %, and was provided only the day prior to closing, shortly before close of business. I have requested the SoFi rectify this prior to closing, but as of this writing, no action has been made.
06/17/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 92626	Web
Sofi bank froze my account right when my XXXX direct deposit from my XXXX trading company hit my account. I have reached out countless times over the past week with no solution. They are doing this to countless individuals and I now believe this is starting to get criminal. - They tell me I need to call a fraud hotline which leads to a voicemail line. - There is zero fraud on my account and the only funds are my payroll / direct deposit from XXXX- I was told the direct deposit would be returned to XXXX which is was not - No live body that can be reached via phone will help you ; they send you to the same line which tells you to leave a voicemail- I have sent 10+ emails with zero answer - Some people are telling me they have been in this situation with SoFi Bank for over a year now! - There are countless SoFi users online talking about the same issues. Keep in mind, these are hard working people who have bills, children, medical conditions, etc.. I don't think SoFi realizes the negative impact they are causing for their users and the hardships which are coming down on these families. I want my money. I want my paycheck. And I want it now. Somebody has to do something about what SoFi is doing to their customers and they need to do it fast before more families are affected by these criminal actions by SoFi Bank! Please help!
09/29/2017	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	PA 193XX	Web
Approximately one month ago I reached out to Sofi to take the loans my parents took out ( Parent Plus ) and to refinance them into my name. I was told I would be getting them for {$650.00} per month at an interest rate of 5.25 % after auto-pay discount was put into my name. I have this over 12 emails - where customer service employees told me this was the right amount. I was then given paperwork to fill out for a monthly loan of {$700.00} at a rate of 5.25 % post auto-pay discount. I was told by 3 employees - over the phone and over email that this monthly rate would go down to {$650.00} per month. When I was then approved for the loan, I went ahead and filled out an application for an apartment where I was under the assumption I had {$50.00} extra to use for my utility bill. Then I went to sign the final paperwork - after my loan approval - and asked to verify that the {$700.00} would go down. I was then told by multiple employees that " this was an internal bug '' that has since been fixed but I should go ahead and sign. To be honest, this feels like the definition of a bait and switch where I am being scammed into a price that I did not initially agree to, and was told would be a lower amount. I have tried to have conversations with them and they seem to not have any interest in reaching out. Is there anyway you can help?
05/03/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX 75211	Web
XX/XX/22, my wallet was stolen at my job by a new employee, I later found out she took it and filed a police report also disputed the transactions with all card issuers. SOFI had 5 transactions I needed to dispute totaling {$460.00} and they refunded me one of them within XXXX days, but the other XXXX that totaled hundreds of dollars they said on the tenth business day that no error occured. I filed a police report this lady is in XXXX for debit card abuse and they refuse to look farther into my disputes and refuse to even acknowledge that this woman took all my money and XXXX says I took all necessary actions in the police report and filing charges, requesting a refund for the XXXX and disabling ym card and ordering a new one the same day as the problem occured. But today is the XXXX business day and I asked for a temporary provisional credit while they investigated and they closed my XXXX disputes saud no error occured and won't answer my emails or return my complaint calls. So now that woman may get the charges dropped even tho there is physical video evidence she used my card the bank won't say it was unauthorized because I want my money back from them and they won't respond to me when I request the paperwork they used to determine no error occured when clearly it did or the police wouldn't have arrested her
07/08/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	WA 98087	Web
I opened a credit account with XXXX on XX/XX/21 with a promotion they were running in which they were offering XXXX points to customers that open an account between XX/XX/21 to XX/XX/21 and made their first purchase before XX/XX/21. I made my first purchase on XX/XX/21. When the XXXX days which is when they said it will be posted to my account was coming I called their customer service on the status of those points on XX/XX/21. The rep I spoke said she has created a ticket to look into this and it will be a week before I will know the status. I called back on XX/XX/21 and was told there was no mention of this ticket in my account and she would submit one that day and that I should call back on Friday to check the status. I called back on Friday and was put on hold for like half an hour before I was sort of pushed away from the call by the rep saying I should see the points coming soon. I decided I would give them by today to see if they could give me any progress on this ticket that they say they made to resolve this. So I called today XX/XX/21 and straight up was told the ticket was send to the wrong department and that she will create a new ticket and send it to the right department this time. She gave me a ticket number this time which is XXXX. I have lost hope and pray that the CFPB can help on my behalf.
06/04/2019	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33436	Web
I have been working directly with SOFI in an attempt to resolve a debt that was taken out as a result of ID Theft. This has been an ongoing issue that I have been trying to communicate since XXXX of 2018. I submitted the requested documents to officially dispute the item and was asked multiple times to submit additional documents to support my claim. During this time my account was sold to collections which I was under the impression was a violation of the Fair Debt Collection Practices Act. I now have seen reports that XXXX and XXXX have attempted to serve me with paperwork. I attempted to call them after submitting fraud docs to them as well / They are continuing with the collections effort and say that SOFI needs to contact them to change that. I have been dealing with SOFI to resolve this and it does not seem to be getting anywhere and I am constantly told I need to call XXXX to resolve. I reached out today to SOFI yet again only to find out they have not even reviewed the updated documents they asked for back on XX/XX/XXXX. Multiple calls after XX/XX/XXXX I have been told I will receive a phone call back and leaving messages only to never get a response. This is really unprofessional handling of my situation, but as a victim of fraud, I should not have to go through all of this to resolve this debt.
05/29/2018	Yes	Student loan Private student loan	Dealing with your lender or servicer Problem with customer service	IL 60477	Web
I had a private student loan with SoFi that i switched over to them a couple years ago once I took it away from XXXX XXXX due to a better interest rate. I was paying on it on time for awhile and then I got a new job in a completely different industry. At that time, I had to take a significant pay cut until I would build my book of business. ( sales ). I ended up putting the payments on deferment multiple times because i just couldn't afford it. I ended up getting a promotion and have been trying everything possible to get this rectified. SoFi ended up sending me to collections and they don't understand what I am trying to do. I have explained multiple times I am trying to either have SoFi take the loan back so I can start making payments again or allow me to consolidate with another lender in order to go back to paying monthly. The problem with finding another lender to take over the loan is every one of them instantly deny it due to this loan being in collection status. I have reached out to SoFi and they dont know what to do either so I am lost. I have made a few {$500.00} payments with the collection agency as well who won't stop hounding me daily and they just keep telling me to pay the full amount off which isn't possible without consolidation from someone else. Please help, I am able to pay again.
09/07/2020	Yes	Checking or savings account Checking account	Managing an account Banking errors	WA 98604	Web
I originally tried to open a Sofi Money account in XXXX using my sister 's referral. The application would not process because I had started an application over a year ago with a different email and that email had to be used. I spent several weeks figuring this out with customer service and getting access to my old account that had been set up with my previous application. Then I applied again with their new {$120.00} offer and the application wouldn't let me upload my Driver 's Licence. I eventually got this to work, but was declined because the info on my driver 's Licence didn't match. I got this figured out with customer service that my old profile had the wrong info. I finally got my application submitted the deadline of the {$120.00} promotion, but my account said it was setting up and I was unable to transfer money in to meet the qualifications of the bonus. The customer service rep I talked to said not to worry and to get the money transferred in as soon as I could. Fast forward to XX/XX/XXXX, and customer service refused to give me the {$120.00} bonus because I did not meet the deadline, although the previous said it was ok. I asked if I could possibly get the referral bonus that I had applied through so long ago, and they said that deadline for that had passed as well, and I'd get nothing.
01/04/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with rewards from credit card	NY 10461	Web
Sofi credit card had a promo around XX/XX/XXXX of offering a 5 % cashback for the first 12 months with a qualifying direct deposit of {$1000.00} per month. Then around the next month, they claim they made a mistake for 5 % but it should have been for 3 % cashback, which is fine for me. I can understand and accept that. I was earning 3 % until XX/XX/XXXX ( therefore I was only earning for around 2 months only ). The 3 % started becoming 2 % cashback and I spoke with phone reps 2 times to dispute this and once on online chat. I was still qualified since I met the {$1000.00} per month in direct deposit. I was also told that they would investigate the situation and see what went wrong. Today is XX/XX/XXXX. I have yet to hear a response back so I decided to message them on chat. The chat rep said that I hit the cap of XXXX points for the 3 % promo. I do not recall any maximum cap for XXXX points. I was not given any terms of conditions that stated that I had a cap of XXXX points. As I ask the chat rep to provide the terms of condition for further proof, the chat rep stopped answering me. Screenshot will be provided of the chat log. I think that Sofi is abusing their system and not following their own protocols. I wanted to report this for further investigation as Sofi is abusing their internal system.
06/11/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	SC 29715	Web
I made a regularly scheduled payment to SoFi on XX/XX/XXXX for my payment due XX/XX/2019. After a few days, I went back on to SoFi ( XX/XX/XXXX ) after that XXXX payment had cleared, and noticed that I could make a regularly scheduled payment for the payment due XX/XX/2019, so I did due to the fact I will be away and did not want to forget about it. Come to find out, they applied it as an additional payment instead of the scheduled payment that was due XX/XX/2019. I clicked the bubble that said payment due XX/XX/XXXX, and assumed as anyone would, that the payment would be going towards that XX/XX/XXXX due date. Unbeknownst to me ( no email or any other notification was sent/present ), starting this past XXXX they wont let you pay in advance, although the option was given to make the XX/XX/XXXX payment online. I dont have autopay setup, so I wasnt trying to make an additional payment, or have it take that payment plus another on XX/XX/XXXX. I spoke with the servicing department on XX/XX/XXXX, and asked them to refund the money and so far the attempt has been unsuccessful. As a borrower, it should be against the law to do this, without any notification. I have a screen shot of what the page looked like on XX/XX/XXXX ( exactly as it looked on XX/XX/XXXX ), to fully understand what Im talking about.
09/19/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	NY 11218	Web
I have a refinanced private student loan I took out with SoFi, which I took out under the pretense that I could take advantage of an income-based repayment plan. For the first four years I have had the loan, I was able to make good on this program, and was annually provided with an IBR application issued for US federal education loans ( despite the fact that the loan was a private loan ) by their servicer Trustudent. In all that time, this program was always referred to as an income-based payment program, and I was never informed of any limitations on how long I could take advantage of it. In 2015, SoFi changed their servicer from XXXX to XXXX, and XX/XX/XXXX I was informed that my payments would be effectively doubling within the next billing period. When I asked why I had not been provided with IBR paperwork, the servicer informed me that no such program existed. After several phone calls with SoFi over the course of two weeks, I finally learned that SoFi had not, in fact, had me on an IBR plan but on an interest-only forbearance. This was despite the fact that this was never communicated to me in correspondence or writing. I have spoken with an attorney who says this could be a case of deception in a consumer product, and I would like to see XXXX records examined to understand what happened.
04/28/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 34761	Web
I obtained a personal loan in XX/XX/XXXX I made extra payments when I took out the loan I was told that I can refinance loan for a lower interest rate once my credit score increased it did and the rates that were offering were significantly higher even though my score was better. I called and spoke with several representatives who didnt give me a resolve and they wanted me to wait another month to apply for a better rate. through a third-party XXXX XXXX and I qualified for a lower rate but when I went to the click the link it takes me to the site and the rate jumps significantly I called SoFi and they said that theyre having an issue with XXXX XXXX rates not matching what they have. With my current loan my auto pay was turned off which caused my rate to jump and it caused me to have a higher interest rate which I didnt do and also its making automatic payments from an account with theres no money causing its a bounce back which I didnt do I called in and they were very nonchalant about the situation saying oh it must be a system error now I dont know the exact amount that I owe on my loan I feel like this is some shady business going on and I would like this investigated they are not being truthful in their advertising with their rates theyre doing a bait and switch and its causing issues.
02/08/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NY 11206	Web
Hello, I would like to appeal this denial. I did NOT authorize these 2 ATM withdrawals. - {$160.00} - {$160.00} After landing in XXXX I did use this card once for an ATM withdrawal of {$350.00} - I received the cash and walked away. Unlike American ATM 's which makes you take your card and then output the cash ( what I am used to ) this ATM keeps your card and allows multiple withdrawals without requiring to re-enter your pin again afterwards. Secondly I did NOT authorize these 2 purchases. XXXX XXXX XXXX Debit Card - {$230.00} XXXX XXXX XXXX Debit Card - {$240.00} After realizing I left my card within 5 mins, these two big purchases were made on my card. And from the looks of it hundreds of miles away. I froze the card immediately and I called right away and was told I had to allow the transactions to process and now am being denied my funds back. Both of these charges are abnormal and out of character for me and to reiterate, I did not authorize them. This seems very unfair that SoFi does not help their customers in any way in this matter and just sends an automated response with no information as to why my hard earned money is stolen and nothing being done about it. Please let me know what actions I can take to move forward on retrieving this funds back. Thank you!
11/14/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 94123	Web
My wife and I live in XXXX XXXX and received a pre-approval letter from SOFI after a full financial underwriting. Amazingly in this extremely tight market, we found a home we loved, could afford and the seller agreed to our offer. While under contract, SOFI was a total disaster. The home was a condo in a 2 unit building with a very informal monthly HOA that paid taxes and water bills only. SOFI decided they didn't want to lend on this type of HOA but they could never tell us what their actual requirements were. They changed their requirements multiple times over multiple days. These types of informal setups between 2 owners are extremely common in SF. The Sellers who were amazing offered to fund a large reserve to get SOFI comfortable. After days of back and forth, with stories that changed daily and absolutely no clarity or flexibility, we fell out of contract and lost the home to another buyer. The mortgage agent was non-communicative and rude in the end. In addition to deciding late int he process that they wouldn't allow a reserve to be funded in anticipation of this sale, SOFI also decided they wouldn't lend unless there was a restriction against the ability to rent in the condo CCRs. I believe they just kept adding rules because they had no idea what they were doing.
02/22/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NC 27858	Web
On XX/XX/XXXX, I had multiple charges that occurred on my SoFi Credit Card. I had received alerts on my phone that these were possible fraud charges. I was out that day and immediately went to head home to call SoFi about these charges on the same day. They submitted the fraud case on the same day but now on XX/XX/XXXX, with multiple calls to different support reps, the case hasn't progressed at all. One representative told me another rep had messed up the report previously and had to correct it. As of today, XX/XX/XXXX, I called again and to my surprise the rep told me the case was close without anything done with the fraud disputes... The rep told me they needed to try and reopen the case and contact upper management. I'm not sure if SoFi will be able to dispute these charges at all. The company doesn't even grant temporary credits until the dispute case is done either. I should not have to be stressing every morning and calling SoFi to see if my fraud charges have been dealt with. I've called SoFi atleast over 10 times and each reps responses seemed unprofessional. Never have I been so frustrated with a bank such as this. These are the follow charges in question for SoFi Credit Card : XX/XX/2022 XXXX {$58.00} XX/XX/2022 *XXXX {$92.00} XX/XX/2022 XXXX {$63.00}
06/29/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 75034	Web
I applied for a refinance mortgage with SOFI ( # XXXX ) and was declined last minute via phone call. I spent nearly 3 months with them submitting documents and sometimes waiting weeks for a response. After the last call from my processor ( XXXX XXXX ) I did not received any other communication from them. I recently learned SOFI called my property insurance company, XXXX, in XX/XX/XXXX and requested they change the Mortgage Company to SOFI and to send the bills directly to me. Due to this error by SOFI, I just received a notice of cancellation from XXXX. My current mortgage company is XXXX XXXX XXXX and I pay escrow for taxes and insurance. XXXX stopped billing XXXX due to SOFI 's request. XXXX has been using a 3rd party showing my insurance was past due and has been paying it monthly but they have been paying late. Therefore, XXXX sent a notice of cancellation. I also learned that SOFI requested an expedited payoff demand from XXXX and I was charged {$30.00} for the request which was refunded to me by XXXX after I explained what happened. I am complaining to the CFPB because SOFI 's actions do not seem right. I also find it hard to accept that XXXX would make such a change without my knowledge. I do not believe SOFI followed current TRID rules as I understand them.
06/16/2017	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	SC 29036	Web
My oldest daughter just refinanced roughly {$60000.00} student loan debt with SoFi. My daughter provided all documentation SoFi asked for ( most recent statements of loans to be refinanced, etc ) and I co-signed the loan. SoFi apparently did not ask my daughter for payoff statements of loans to be refinanced, and apparently did n't acquire authorization from my daughter to request payoff statements themselves. SoFi calculated the " payoff '' amounts themselves. As a result, one of her loans was underfunded by nearly {$3000.00} and now we are left holding the bag, scrambling to come up with the money or secure additional financing. I spoke with several levels of agents at SoFi who acknowledged they under-fund loan payoffs regularly, arrogantly asserted that my daughter should have known to request a payoff, and reported they are happy to add the additional money due to her new loan with SoFi. Are n't there laws requiring a student loan lender, as the knowledgeable party, to request payoff quotes from companies they are paying off ( whether requested from borrower, or authorization is obtained to acquire payoff quote themselves )? If not, I hope you will lobby for regulations to be put in place requiring lenders to obtain accurate payoffs when refinancing debt.
03/28/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	VA XXXXX	Web
On XX/XX/2022, I paid my SoFi personal credit card statement balance in full ( over {$2500.00} ). The credit card company 's own app showed that the payment posted ( not pending, but posted ) on XX/XX/2022. The payment is also shown as having been drafted from my checking account at another bank. I have tried to use the card, but it is being declined. I called customer service and was told that the payment posted but that I would need to wait another 2-5 business days before the payment would actually be credited to my account. I don't understand why they are showing the funds as posted, drafted out of my deposit account, but SoFi will not acknowledge that payment for several additional days. I have never missed a payment and have not overdrafted this account. It appears that the card company is using my funds for several days before after the payment is shown n SoFi 's system as having been posted. This practice of essentially holding funds for a week is depriving me of my use of the funds without compensation. At minimum, it is deceptive and misleading to relay to a consumer that a payment is " posted '' but then failing to actually apply it to the statement balance for several business days. This has caused embarrassment to me when the card was declined.
05/18/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CO 80923	Web
On XX/XX/2020, a representative of SoFi gave deceptive information that led to me accepting a personal loan for {$30000.00}. The information given was that if automatic payments were established, there would be a recurring automatic rate reduction of .25 % that would lower the rate to the lowest available rate of around 5.9 % over time. For example, if the loan were 12 % then after one year of automatic payments the rate would reflect 9 %. After approximately 2 years, the rate would be about 6 %. I was told that the rate would drop with auto pay, the representative explained how SoFi was the only company that he knew of with this type of rate reduction program and that the original rate would show on the contract, however the rate would decrease with automatic payments, and that I could locate this unique program information on the company website. I trusted this person only to find out after speaking with a manager XXXX, that the information was false and that nothing could be done other than an apology, a " coaching '' to the representative who's name I believe is XXXX, and a small gift card as an " olive branch '' for the misrepresentation. A reckless and false representation was made that I relied on, and now I am suffering the financial consequences.
06/27/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	VA 22315	Web
On XX/XX/XXXX, I discovered someone stole my identity and used it to take out a loan. In addition, they established accounts in my name at XXXX XXXX and XXXX XXXX XXXX XXXX. On XX/XX/XXXX, they secured a {$19000.00} loan in my name with SoFi Lending Corp and linked it to the XXXX XXXX bank accounts they established. Working with SoFi, XXXX XXXX, and XXXX XXXX XXXX, I establish the loan and the accounts were not mine. The bank accounts have been closed. On XX/XX/XXXX, SoFi acknowledge the loan was not mine [ d ] uring our investigation we found that fraud had been committed on the account and we determined we the reported to the credit reporting agency was inaccurate. They did not say the loan was not mine and that I was not responsible for paying it back. While researching identity theft remedies and protections, I found the CFPB fact sheet that indicated I could request a copy of all the documentation the thief used to establish the loan. On XX/XX/XXXX, I sent a letter to SoFi requesting a copy of those documents. They have neither acknowledged my request nor responded to it. Ninety days should be more than sufficient to do so. After examining the documents, I intended to ask for a more definitive letter, indicating I am not responsible for the loan.
06/07/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	TX 75228	Web
I took out a personal loan on XX/XX/2018. Since this time, I have been paying more than my minimum payment. My minimum payment is {$760.00}. I paid {$800.00} all but twice. This allowed me to get ahead and have a lower payment the following month. I only took advantage of this twice, once where I paid {$65.00} less than the total and the other {$15.00} less than the total. This past month I noticed when I paid that it was the full amount. Nowhere did it say that a lower amount was possible. I just had XXXX XXXX XXXX and I was planning on paying less in XX/XX/XXXX, based on some of the bills I figured would be coming my way after XXXX. I called and was passed from one person to a supervisor named XXXX. She said that they had changed things so you could not pay ahead. This change occurred in late XX/XX/XXXX or XX/XX/XXXX. No notice was sent out, they just went ahead and made the change. And according to XXXX, there is nothing I can do about it. So I have been paying extra knowing that I had this upcoming XXXX and I might need a break. But this company decided to change the rules without letting anyone know. I am not sure how they are allowed to do this. I think this is unfair and right now if anyone asked I would definitely not recommend this company.
12/08/2018	Yes	Student loan Private student loan	Struggling to repay your loan Can't get other flexible options for repaying your loan	MO 65804	Web
On XX/XX/2018 I submitted for economic hardship forbearance, due to the amount I make monthly not being sufficient to pay the assigned monthly payments for my student loan. On XX/XX/2018 I was notified that my request was denied due to exceeding the maximum time limit allowed to request this type of forbearance, despite providing current proof of earnings. I have regularly been in contact with XXXX XXXX to discuss options and they have not and continue to not provide me with any other options for repayment or getting my account in good standing. On XX/XX/2018 I made a payment of {$850.00} to attempt to decrease the days delinquent and avoid negative reporting to credit agencies, per the suggestion of the representative via the phone. However on XX/XX/2018 I received notification from XXXX XXXX regarding a drastic reduction in my credit score. On XX/XX/2018 I contacted XXXX regarding credit counseling and how to rectify my current situation. Unfortunately I have been provided little to no options as the result of the lender. Presently, I am receiving threats of default and further negative credit reporting despite continually contacts and pleas to provide other options that would allow me to pay a more suitable amount for my current income level.
03/18/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NY 10036	Web
XXXX XXXX is putting consumers at severe risk of losing their hard-earned money. I submitted a check through their mobile deposit. I followed the instructions for depositing EXACTLY. Then I get a notice that my deposit has " failed ''. There is no further information in the message, only to call them if I have any further questions. When a check for thousands of dollars " fails '' they should provide an explanation. Further, they require customer to endorse the check to say that it can ONLY be deposited to XXXX XXXX, so when their systems " fail '', that check can not be deposited anywhere else. They do this to trap you into their system but their system DOES NOT WORK. After I waited on hold to speak to someone for more than 10 minutes, I get XXXX in the Delaware office. When I tell her I will be filing a CFPB complaint, she put me on another hold and spoke to the Account Specialist XXXX who told that it was rejected by their " verification '' system and was never cashed and that they use their own verification system because they are an online bank. A SYSTEM SHE DID NOT CARE IN THE LEAST DIDN'T WORK. They have absolutely no regard for the fact they are holding peoples livelihoods in their hands and they don't care in the least who they hurt.
04/06/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MN 55343	Web
On XX/XX/XXXX, I received an email notifying me that my account had been temporarily restricted due to irregular activity. The email stated that the issue would be resolved following a review within 7-10 business days. I contacted the bank several times over email and phone to attempt to resolve this issue. I offered to provide any information that would assist with confirming the validity of my account activity. I reminded the bank that this is my primary checking account, and not having access to the account for any period of time is considerably costly to me. And I asked to be regularly informed about the status of my case. Bank representatives told me on multiple occasions that they had requested an expedited review process for my account. However, the 10-business-day deadline has now elapsed, with no communication from the bank on the status of the review. My account remains inaccessible, and my debts are piling up. While I can understand the bank 's interest in reviewing accounts for fraudulent activity, I find the bank 's handling of this issue to be considerably prejudicial to the consumer. If the bank does not have the capacity to process reviews in a timely and transparent manner, it should not be in financial services business.
03/27/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	OH 431XX	Web
Hi, I started getting outrageous charges on my credit card with this company after so many of the charges happened, I was alerted and I called and let them know it wasnt me. ( as some of these were charges in other countries being made ) the rep that I spoke to said he would close that card and send me a new one and resolve the charges. I asked a number of questions as he couldnt give me any answer to or what outcome would be and just assured me it would be taken care of. Its been 60 days, I havent received a new card and I these charges are still appearing and Im being shown Im late on my payments and I cant get through to the company. Every time I call, I get a automated message that says thanks for calling sofi, were away from the phones right now. This is ruining my credit score and causing it to report over the limit. There are several XXXX dollars of XXXX charges that were never made by me so online items that say XXXX are there a few times. I dont know what else to do to get this resolved. I have tried calling every time, I have a spare minute when Im not working and I can never reach anyone through chat or by phone. I would like someone to reach out to me so this can get resolved. I really enjoyed sofi, but this is unacceptable.
03/22/2018	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	CA 90266	Web
To Whom It May Concern, I recently refinanced a 7-year student loan ( " Original Loan '' ) with SoFi with a new 15-year student loan ( " New Loan '' ). Sofi sent the funds from the New Loan to an incorrect address and never paid off the Original Loan. This error is concerning my Sofi/XXXX Account. The funds for the New Loan were disbursed on/around XX/XX/2018. Unfortunately, the Original Loan was never paid off and my checking account is being automatically deducted for payments on 2 student loans when I should only have one student loan outstanding. I'm paying interest on a 2nd student loan that should not be outstanding because of the Sofi mistake. Additionally, I'm in the process of purchasing a condo and my credit report erroneously reflects 2 student loans outstanding, which is preventing me from qualifying for my mortgage. I have already sunk nearly {$500.00} with the mortgage application and home inspection. I have contacted Sofi ( lender ) and XXXX ( the student loan servicer ) on 2 separate occasions in the last 2 weeks to resolve the matter and provide me with a letter that I can send to my mortgage underwriter explaining the mistake. In both instances, XXXXSofi have failed to resolve the issue. Thank you.
12/05/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	NC 28139	Web
This concerns a load from SoFi. I filed out all needed paperwork and send all required documents. On XX/XX/XXXX I received an e-mail saying " congratulations your load has been approved please login and sign your paperwork. ( I have attached that e-mail ) logged in from my phone and tried to sign but only got a blank screen and was kicked off. Called rep the next day was told to use my home computer same issue. Called rep next day he reset and told me to be sure I was using Google Chrome, delete my history and cookies did all those and the same thing. Called rep the next day she stated it was something wrong on there software she would send it to me via e-mail and she would call me back. After 3 days no phone call no e-mail called rep again he apologized and said he would send me an e-mail and if I did not get in within a couple of days call back and he could send XXXX. After a couple days no e-mail so I called back rep stated that as of that week they no longer send XXXX put she would talk to her manager and call me back. No phone call but I got an e-mail stating that my loan was denied and should try XXXX for a loan. I called a manger and got no help she just said she was sorry and there was nothing she could do.
08/29/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	TX 75089	Web
I was sent an in-mail promotional offer for a new credit card by SOFI. It had a 0 % APR rate for 12/15 months. This happened in the month of XXXX. I responded to the offer and got approved for the card. I first started using the card in the month of XXXX and my first statement was generated in XXXX. I went ahead and made a payment and then when my 2nd statement was generated I daw that they have charged me interest on the balance amount. I reached out to SOFI and they said that they will investigate the matter and get back to me. this never happened. When I called them the 2nd time at that point they apologised and asked me to provide with the code orals they won't be able to apply the promotion. Never have I faced a similar situation from a credit card company. I never retained the paper as its been nearly 4 months. I never anticipated something like this. They are plainly denying any responsibility and it's a clear case of cheating and manipulating for charging interests. It is such an unfair practice. I don't think I will continue with this card but I want solutions regarding the promotional offer being applied to my account. Other folks should also be aware of this company engaging in such dishonest practices.
10/14/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Reporting company used your report improperly	PA 16509	Web
I went on an online chat at XXXX to inquire about services they may have to refinance my loan or if they had secured loans. The chat rep gave me a number and told me to ask for special handling. I called and couldn't get past first rep who said the only option was forbearance, I adamantly stated numerous that I didn't want that nor was I interested. She said that was all she could say. I asked her to connect me with someone else that may be able to help and she said the person she connected me to could explain the program or give information. When I was connected he again went into the forbearance program and I immediately told him I was not interested in that and that I have a financial license and did not want that on my record. He said he was sorry I was misinformed and I said okay and we ended call. About 2 minutes later I received an adverse action notice in my email saying that i did not qualify for the application for loan modification or forbearance! At no time whatsoever did I authorize the pulling of my credit report or consent to any application! I was literally just asking questions and knew right away and told them so that this was not something I was interested in doing. At no time did request this.
12/20/2017	Yes	Student loan Private student loan	Getting a loan Denied loan	MI 497XX	Web
I applied for a Student Loan refinance from SoFi at the end of XXXX. While going through their application process they seemed to have issues getting me the correct forms needed for my HR department to release my income. My HR department verified the employment, but not the income. Once I got the correct release forms from SoFi, on the XXXX of XXXX, I filled out the required information and sent it to SoFi with my HR departments fax number. SoFi faxed the form to my HR department who then filled out the required information and faxed it to SoFi on the XXXX. I did not hear anything from them until today, the XXXX, when I was informed that my application was declined. When I called them to find out why, I was told it was because they could not verify my employment. I was told I could re-apply and they would use the same " Hard Credit Pull ''. Instead of contacting me again like they had been, they went ahead and did a hard credit pull and then declined my application based on paperwork that was confirmed to be sent to them by my HR department, and not because of my credit score which according to the rejection letter I received was XXXX. This is unacceptable, I would like to report their fraudulent practices.
11/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 191XX	Web
Approximately XX/XX/2021, I began receiving telephone calls from SoFi Lending Corp ( XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) at both home and mobile asking me about an application for a loan. Multiple times, I explained to the SoFi representative that I was not familiar with the company nor had I applied for any loan. The representative agreed to remove me from the call list, but I still received calls and blocked the number. I thought SoFi was a fraudulent business. It was not until -- fast-forward, XXXX during a visit to my banking institution -- that I learned that SoFi was a " legit '' financial institution and that my credit report reflected a SoFi loan in the about of {$46000.00} which had been past due since XXXX, and, with late charges, it is now about {$48000.00}. I called SoFi immediately and explained to a representative that I have no knowledge of such an account and suspect fraudulent activity. Looking at my credit report, my score has dramatically decreased since XXXX. I can not have my exceptional credit score put in jeopardy due to identity theft. I have filed a dispute through XXXX as well. Hopefully once this fraudulent account is removed from my report, my score will improve.
04/24/2018	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	OH 43202	Web
On XX/XX/XXXX of XXXX, I consolidated 6 private loans under three different loan servicers : XXXX ( 1 loanXXXX XXXX XXXX {$7200.00} ), XXXX ( 3 loans- XXXX XXXX XXXX- {$1300.00}, XXXX- {$2700.00}, and Perkins loan- {$3000.00} ) , and XXXX ( 2 loans-XXXX XXXX- {$6500.00} and XXXX- {$8600.00} ) with Sofi for XXXX. XXXX then became my consolidated loan servicer. In XXXX of XXXX, I noticed that I kept receiving XXXX bank statements to re-pay my loan. I also noticed that my beginning balance at XXXX ( {$30000.00} ) dropped to {$20000.00} within 3 months. I called Sofi 4 times in regards to this situation. The final representantive I spoke with ( a member of their specialist team ), stated that Sofi made an error and did not include my XXXX loan. A previous representative I spoke with told me that Sofi would " take care of the issue since this was an error on Sofi 's end. '' I was never notified by Sofi about the exclusion of the XXXX loan and thus, was late on my XXXX payments as I was under the impression that Sofi had consolidated all 6 loans. Sofi is now stating that I must re-start the loan application process and now consolidate XXXX with XXXX in order to resolve the situation for their error.
01/16/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	MN 55902	Web
I ( XXXX XXXX ) signed up for a personal loan with SoFi via a referral link from my husband, XXXX XXXX on XX/XX/21. The loan was funded and eventually paid off. However, SoFi has denied the promotional referral bonus of {$300.00} each to both of us. They state that because I had previously referred him for a personal loan and we both received a referral bonus for that loan, that we are disqualified from the additional referral bonus. I reach out to SoFi repeatedly over the past several months and they eventually decided to deny the bonus. They quoted their referral link terms which state : " You will not receive multiple referral bonuses for the same friend taking out multiple loans or products, nor will your friend receive multiple welcome bonuses for taking out multiple loans or products. '' However, that is not the scenario under which I am requesting the referral bonus. Neither of us has taken out multiple loans. He took out one personal loan in the past, and I took out one personal loan, hence those terms which were used to justify denying the referral are not applicable to our situation. Hence, we should both qualify for the {$300.00} bonus ( for me as a referee and him as a referrer ).
07/11/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MD XXXXX	Web
I took advantage of a XX/XX/XXXX promotion with SoFi where I would get a {$600.00} bonus if I signed and funded a personal loan. The terms of the promotion can be found at https : XXXX ( XXXX XXXX XXXX : XXXX ). I applied on XX/XX/XXXX ( the cutoff for applying was XX/XX/XXXX ). After waiting for some time, I got a response on XX/XX/XXXX asking me to submit a copy of my SSN card which I supplied the same day. On XX/XX/XXXX I got a response asking me to unfreeze my XXXX credit report which I completed the same day. Then on XX/XX/XXXX I was approved and provided some forms to sign off on which I did the same day and then the funding process began. Now the problem is I didn't meet the cutoff date to sign and fund the loan by XX/XX/XXXX because I wasn't provided the forms to sign off to in the first place by that date in order to feasibly meet the terms of the promotion. I called and asked if I would be receiving the {$600.00} bonus and I was told " no '' because I didn't sign off on the loan by the deadline. This is absolutely ridiculous and predatory because I took a hard inquiry and signed off on a loan I didn't actually need, but applied for anyways to get a bonus that I was supposed to get.
04/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL XXXXX	Web
XXXX is WILLINGLY breaking the law by not blocking information that I have stated is a result of Identity Theft. I have sent in my Identity Theft affadavit and they are still refusing to block an account with Sofi Lending. XXXX said they have to treat it as a " Dispute '', which makes no sense since a dispute asserts a specific inaccuracy in reported information, which could broadly apply to anything, ranging from the spelling of the consumer 's name to the legitimacy of the debt. The implications of a positive resolution of a dispute is confined only to a finding with respect to the specific information identified in the dispute, which is not necessarily related to the ultimate legitimacy of the debt. My assertion is that I never authorized any account upon which the asserted debt is based, so the proper procedure is to get the information blocked from my credit report is by using the identity theft process set forth in FCRA 605 B. This process does not include any involvement of the reporting party, and is based only on the assertion by the consumer provided it is accompanied by a police report. As I have fulfulled this, XXXX is breaking the law by not blocking this information.
05/13/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	VA 23112	Web
My account was frozen about a month ago and the way I found out was via the message on top of the bank section of the app. It asks me to contact the fraud prevention team to resolve the matter. I have left several voice-mails between every few days and no one has returned any of my calls. Any attempts to reach someone through the Sofi app have resulted in being automatically redirected to the fraud prevention team who has not returned my calls. I tried their online chat, the system automatically stop proceeding any further and asked me to contact the fraud prevention team. I tried their XXXX support direct message, no one responds. Calling for banking support personnel resulted me getting directed to leave a voice mail to the fraud prevention team then wait. Banking support said there's nothing else they can do. If they suspect something then they need to work with the customers on a resolution, instead they just sit on their hands and holding people 's money hostage. What if the money is needed to pay bills, and what if there's a emergency and the money is locked up and out of reach? Support need to initiate the call because it's people 's livelihood they are messing with.
11/22/2019	Yes	Student loan Private student loan	Getting a loan Problem with the interest rate	NE 681XX	Web
On approximately XX/XX/XXXX my wife and myself pre-qualified for student loan refinancing through Sofi. After entering in all of the qualifying questions and criteria we were presented a rate of approximately 2 percent and told that this rate would be held for 30 days, pending a complete application. On XX/XX/2019, I logged on to finish the application by uploading various co-signer documents. Once these documents were uploaded, we were then offered a rate of 4.19 percent, over doubling the amount offered during pre-qualification. On XX/XX/2019, I called the Sofi student loan department to see what the cause of this large increase was and I was told that it was due to " income verification '' ; however, the income stated during qualification did not change when I uploaded the verifying documents. In addition, we did not have any additional debt that would cause our DTI ratio to increase. This practice seems deceptive as they make you go through the whole process before describing your actual rate, which is significantly higher than the rate they initially disclose. In addition, the representative made it seem like our age played a factor in the decision to increase the wage.
10/14/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MD 20874	Web
In early XX/XX/2018, I applied on www.SoFi.com for a personal loan. I have excellent credit and income and met all of the qualifications necessary to receive the loan amount of $ XXXX that I applied for. I went through the SoFi account review process submitting all required bank account documentation and proof of income and was approved for a loan. When the review process was completed I was sent my loan agreement and signed it on XX/XX/2018. My first payment on the loan was to be due on XX/XX/2018. However, for some reason, SoFi has refused to fund my loan and hasn't given me any plausible explanation. It is now XX/XX/2018 and SoFi has not funded the loan per our agreement. Every time I have contacted the company about the status of my loan they have only offered vague excuses and empty promises of the funding being ready to go. My SoFi account has now been placed in permanent 'signature review ' status. SoFi recently notified me that my application has expired even after I have provided everything that they've asked for. Based on my experience with this company I strongly suspect that I have been discriminated against based on race or because I am a senior citizen.
07/07/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	CA 91335	Web
On XX/XX/XXXX I applied for a loan for {$18000.00} through XXXX XXXX. I received several offers. Sofi offered me a 7 year loan with a 10 % interest rate. These were the best terms I received and so I chose to move forward with this company. After having them run my credit and checking my pay stubs they came back with worse terms than other competitors had offered. I spent the last week going back and forth with them and my Human Resources department to provide them the further income documentation they said I needed for them to follow through on the loan terms they had offered on XXXX. After providing them everything they asked for they once again gave me the same loan they originally offered. Essentially I was given the run around in an attempt to wear me down and accept the actual loan terms they always intended to give me which were not the terms I was lured into their company with. Essentially, this is a classic bait and switch situation. I am not taking their loan and hope that filing a complaint here will shine a light on this company 's dishonest business practices so as to spare other borrowers from the same deceptive trap I fell into. Thank you!
10/27/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	OR 97333	Web
My husband and I applied for a loan to consolidate his student debt with SoFi. They ran his credit and told us we were declined. They sent a decline email within the 30 days they have to notify us. However, they did not tell me why we were declined. If I want to know why I was declined they say I have to call this number XXXX. It was my understanding of Regulation B that they have to disclose the reasons we are denied and they can disclose up to four reasons. In the email telling us we were denied, they also stated my husband credit report information per Regulation B and the Fact Act. However, I am concerned about the privacy of my husband 's credit report information. Is is safe to email it? They also did not tell my husband how many inquiries he had on his credit report which I believe is another violation. I request that you look into SoFi 's credit application process. I am a XXXX XXXX for a XXXX so I know to look for this stuff, but they are advertising to students especially and are blatantly violating Regulation B. Students do not always know to file a complaint about this. But they always should! I have attached the email for your review.
09/02/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	FL 33068	Web	Servicemember
When we saw their TV add I called and was assigned a representative aproximatel0y XX/XX/2020, a Mr. XXXX XXXX.. After several calls back and forth he said he required certain disclosures and told me to email them to his private email address ( XXXX ), which I did. At some point he then referred me to his assistant XXXX XXXX collect " missing '' copies of what I sent. I sent them everything they requested including a " required '' {$450.00}. for an appraisal of my home. We complied. Three months later they claimed they were missing most of the documents I sent. XXXX then turned over the collection of my documents to Ms. XXXX witch I did. The final straw was and email form Ms. XXXX saying she lost my documents and Mr. XXXX stopped communicating with me. I emailed him back saying I was going to file a grievance with my crdit card company for a reversal if the {$450.00}. which I did. Now the credit card company reversed the charge, then reinstated it. I Believe we were duped by their incompetence and SOFI 's persecution of the collection of my {$450.00}. Our request was only for between $ XXXX..and {$100000.00}. on our home appraised at {$350000.00}.
06/02/2020	Yes	Student loan Private student loan	Struggling to repay your loan Can't temporarily delay making payments	CA 90025	Web
I first looked into refinancing my private student loan with SoFi because they offered a co-signer release, which made sense at the time ( XX/XX/XXXX ). I spoke to their Customer Account Specialist and they worked alongside me and my ex fiancee. They explained as long as I made payments on time, I would be able to release the co-signer on my loan. About a year or two into this loan, they no longer offer this option. I am not with my fiancee anymore and would like his name released. I've applied for Covid-19 assistance ( in XXXX and XXXX ), and have only been able to get a 30 day forbearance when they offer up to 90 days. I am also out of a job, and I don't know how I'll be able to pay {$1000.00} on top of rent, phone, car, insurance, credit card and other utilities. They've also denied ( XX/XX/XXXX ) my application for deferment while I'm in-school. I've accepted to enroll in graduate school this summer. However, if I ask for any assistance, forbearance, or deferment my application gets denied. I'd like to be able to make payments when I'm employed full-time. I don't see how SoFi expects me to pay my student loan, when I don't have a steady income.
10/11/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NY 10031	Web
On approval of my XXXX loan I called SoFi to change my autopay date. Their customer service told me I needed to make one payment before I was allowed to change It and that I was only able to either have the Autopay date of the XX/XX/XXXX or XX/XX/XXXX.. My payment was made on XX/XX/XXXX and i proceed to change the date of the my new autopay. I successfully changed it to the XX/XX/XXXX and only afterwards did I realize when I logged in again that I was being forced to make two payments in XX/XX/XXXX. I called the company and spoke to a supervisor XXXX who told me that there was nothing I could do about this and I would be responsible for making two payments because I had changed my autopay date. If I had been told that this was in fact the case either online or via the three calls I made to their customer support I never would have put myself in financial peril by doing that. At this point I am being forced to pay twice for something that I was never notified about the repercussions of doing this even after having spoken to more than two agents. I feel ripped Off and so upset at what has happened to me. This is unfair practice and should be illegal.
02/23/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MI 49006	Web
SoFi has locked my money account due to supposed " fraudulent activity '' on XXXX after I phoned in to simply add my SoFi credit card to XXXX XXXX. They had my old phone number on file with the credit card after I updated my SoFi profile with a new phone number so the customer service agent had to contact their security to see why the account wasn't updated after I changed the number via the app. They locked my account that following morning. Not my credit card but my MONEY account with all my finances. I called the number they provided for inquiries, but you're only allowed to leave a voice mail. I called the account customer support to speak to a human, and they told me I simply have to wait for one of their security team members to call me. Meanwhile all my money is frozen. I asked her if I was not supposed to be able to buy food or eat and she replied, " yes sorry for the inconvenience. '' A complete joke of a company. Do NOT give them any of your money. They can lock it and essentially steal it from you for literally any reason then not allow you to speak to anyone. The only " fraud '' protection you need is from SoFi themselves.
11/10/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 900XX	Web
In reference to Case No.XXXX wherein SoFi Lending Corp. ( " SoFi '' ) provided an incoherent and patently false response to the initial complaint submitted on XXXX XXXX, 2016 by XXXX XXXX ( " Claimant '' ), SoFi has filed to provide a second response to Claimant 's dispute of SoFi 's initial response. Principally, SoFi clearly refers to a " XXXX XXXX '' as the " personal loan pre-applicant '' throughout SoFi 's response which clearly shows SoFi 's failure to respond to Claimant XXXX XXXX XXXX complaint and SoFi 's egregious failure to comply with fair business practices by providing honest, clear, and ethical business services to consumers. By referring to a " XXXX XXXX '' throughout SoFi 's response SoFi is conceivably reviewing some other " pre-applicant 's '' information and thus SoFI 's entire reponse is based on information not related to Claimant XXXX. Moreover, the electronic process by which Claimant submitted his information to SoFI for a loan review clearly stated that no hard credit inquiry would be pulled and the facts show otherwise with a hard inquiry made by SoFi against Claimant 's XXXX credit report on XXXX XXXX, 2016.
07/21/2021	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	CA 90802	Web	Servicemember
On XX/XX/21, I filed an Economic Hardship forbearance request with SOFI/XXXX due to ongoing medical hardship. Upon sending the requested medical bill ( which is already extremely invasive, given the nature of this matter and HIPAA-Related information on a portion of this bill ), my application was summarily denied twice due to the bill photocopy being cut-off, due to personal medical information being on this portion of the bill. In explaining this to XXXX Consumer Relations, and being told that one would not have to send a portion of the bill that had personal medical information or diagnoses/codes, this was escalated back to the processing team which again denied the forbearance, even in lieu of me explaining the reason for the cutoff bill ( personal medical details ). This bill shows the dates of service, provider, my name, and full charges -- all of which was requested by SOFI. At this time, I am requesting immediate executive level assistance to approve this forbearance given all the time I have put into this matter, prior to a HIPAA Complaint and further action being taken to ensure this is justly applied to my loan account.
10/04/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	NY 11226	Web
I accepted a personal loan from sofi at least a year ago. Sometime in the last few months they changed their website to force users to accept their new arbitration agreement. If users do not accept the new agreement, they are blocked from access their account management. I contacted sofi about this and they said the only option is to accept the terms on the website, and then send in a written rejection notice, by mail. Additionally, they also previously incorrectly stated " However, if the customer does not wish to acknowledge consent upon log in, they may uncheck the consent box and still access their account. SoFis promissory note and online consent provides the Right to Reject clause for the Arbitration Agreement. SoFi recommends the consumer follow the instructions if they would like to exercise their right to reject. '' This functionality does not exist on the site. While they have provided one method to reject the terms, and have been responsive in communication, they have not provided a suitable approach when all account administration is handled online, especially one that forces users into an agreement even temporarily.
01/21/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	NJ 07901	Web
I complained before see XXXX-XXXX. Unfortunately, the situation started up again recently. As agreed in my contract, a regularly scheduled payment of {$810.00} ( due XX/XX/XXXX of each month ) was paid on-line on XX/XX/2021 ( {$290.00} Interest and {$510.00} Principal ) I also mailed an additional payment ( a principal-only payment of {$5000.00} that was received by SoFi on XX/XX/2021. Unfortunately, {$29.00} was applied toward Interest and {$4900.00} was applied toward the Principal. Why wasn't the entire amount of {$5000.00} applied toward the principal since my regularly scheduled payment of {$810.00} was received and P & I had been applied accordingly? I spoke to a representative of SoFi on XX/XX/2021, and was told the correction would be made within 48 hours, but to no avail. Why hasn't the correction been made and it's been more than 48 hours? Your assistance in this matter would be greatly appreciated. If I had known that SoFi displayed predatory lending practices I would not have used them for a personal loan. I am attaching a pic of my on-line account showing the discrepancy as described in the aforementioned.
07/11/2022	Yes	Checking or savings account Checking account	Managing an account Banking errors	MA 014XX	Web
SoFi XXXX offered a promotional bonus to convert from their " Money '' account product to their new " Checking and Savings '' accounts. The bonus terms require direct deposits totaling > $ XXXX within 30 days of the account conversion for {$300.00}. I satisfied the direct deposit requirements but have not received my bonus. XXXX : I receive a marketing email about the bonus and save it as a PDF XX/XX/XXXX : I navigate to the promotional terms as shown on their website and save it as a PDF before enrolling XX/XX/XXXX : I convert my " Money '' account to " Checking and Savings '' XX/XX/XXXX : I receive a {$4600.00} direct deposit from my employer ( XXXX ) into the account XX/XX/XXXX : I receive a {$4200.00} direct deposit from my employer ( XXXX ) into the account XX/XX/XXXX : Having still not received my payout, I contact their customer service via " Live Chat '' and am told : " SoFi XXXX members who previously received a bonus for enrolling in direct deposit do not qualify for this promotion ''. These terms were NOT present at the time I enrolled in the bonus- they were retroactively added by SoFi well after my enrollment.
04/19/2022	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	CA 92677	Web
I had initiated a transfer into my Sofi XXXX account from another bank account to cover my rent check. The transfer bounced, I believe because there was a delay from when I transferred it, and then there were no longer sufficient funds in my other account to cover the transfer. Regardless of what happened, it triggered a fraud alert in my bank account. It also caused my Sofi account to go negative. I have direct deposit into my Sofi account, so once that direct deposit went through, my account was in the positive, however I was still not able to use my funds. I've tried contacting Sofi Fraud Prevention repeatedly to unfreeze my account. The call goes straight to voicemail. Any other number, online chat, or email does not connect me to anyone, but automatically tells me to call Fraud prevention. My first call was placed yesterday, XX/XX/XXXX. I called three times yesterday, and three times today, XX/XX/XXXX with no return call. It has been about 27 hours that I have been waiting for a call back. I have overdue rent that must be paid immediately or I risk eviction. The money tied up in this account is my rent money.
02/09/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	IL 615XX	Web
I requested a loan, the company used my information to quote on a loan rate of 6.575 %. After applying for the quoted loan, and providing all the documentation requested to verify the quoted income ( bonus plus salary ) the company revised the offer up significantly to a rate of 8.74 %. After discussing multiple times with the company representatives my year end pay stubs the representives told me the company had a proprietary formula to disregard all company performance plans as income even though their instructions say providing two years of documented bonuses would constitute income. The representative stated multiple times that sofi choose not the accept the documentation provided by my small employer as they labeled it differently from one year to the next therefore I did not earn that income. It was clear in my conversations that the Company had no intention of honoring the original quote so they were choosing not to recognize the income to give a reason to change the offer. It appears to me this company is using bait and switch tactics to lure consumers with the promise of lower rates than they will actually offer.
04/09/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	WI 53132	Web	Older American, Servicemember
I called SoFi and asked for paper statements as I was losing internet and computer. They said they only issued paper statements. I asked for a copy of that policy. They refused. I asked who governs their banking practices, they refused to tell me. I wanted to know if it was the Office of the Comptroller of Currency or the Federal Reserve. They said they are a private lender. So I learned they are governed by the Consumer Financial Protection Bureau, but they refused to tell me that information. They DO NOT have a license to operate in the State of Wisconsin, I live in Wisconsin. I asked for her last name, she refused. I asked for her supervisor, she refused. I asked for a copy of our conversation, she refused. I asked for a monthly statement to keep track of my balance, she refused. I asked for a copy of our loan agreement, she refused. I asked for my interest rate and when my loan would be paid off, she refused.As I am XXXX years old, with serious XXXX and health and XXXX problems and lots of other issues, this is very stressful. Can you help? All I want are things in writing from this company and monthly statements.
03/02/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	WA 98109	Web
My original monthly payment was {$420.00}. I made a lump sum payment toward the principle on this loan in the amount {$8300.00} on XX/XX/2018. I requested for the loan payments to be Re-Amortoized and this was done on XX/XX/2018. The payment due date was changed to {$150.00}. Sofi did the calculations for this loan as the lender. I was charged the {$420.00}. I called regarding this and they refunded this amount and started charging the {$150.00}. Sofi is now stating that I owe them a lump sum payment of {$810.00} on XX/XX/XXXX. They are trying to say that the amount they refunded me was not included in their calculations after the re-amortization and that I still owe that and the interest rate attached there to. Obviously, at the time they refunded, they did not state I owed that nor did they state it would accrue and recreate this lump sum amount. Loan companies do not just refund payments if it does not believe those payments were due. If the Sofi professional made a mistake in the calculations, that mistake should be construed to Sofi as the drafter. It is not my fault they made a mistake in their calculations.
12/02/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	NY 11375	Web
I had a replacement card back in XXXX. The card ends in XXXX I believe. I have not used the card in a long time and didn't recall if the card ending in XXXX was the original card or the new card. I had a customer service representative from XXXX. I had to tell her because of her bahavior I choose not to do business with SoFi. I called to get a replacement card. I did not know if I misplaced the correct card or there was something wrong with the replacement card. I kept telling her I tried using the card she claims is the correct card and it was declined. There us no balance on that card. The Customer Representative just refused to give me a replacement card even though I gave all proof of credentials and explained the card is not working. I let her know I tried at a XXXX XXXX on Sunday- it was declined, I paid with another credit card. She claims charges went through- but I do not see it on my app under transaction. It is concerning declined transactions are reflected as active with SoFi. This is unacceptable behavior. I attached a screenshot where XXXX transaction is not reflected anywhere.
04/19/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	AZ 86406	Web
On XX/XX/XXXX I received SoFi Lending credit card in the mail and I never applied for this card, someone stole my identity and charged {$4900.00} on the card. I called SoFi right away and told them I didn't apply for the card and that this is identity theft. They told me to cut up the card and throw them away and they would freeze the account and research it. Then I placed a freeze/lock on XXXX and opened a case no one has ever got back to me. So now it's on my credit report and showing non payment for past 2 months and my credit score has gone down XXXX points because of this. Today XX/XX/XXXX I signed up for Life Lock hoping they could help me get this removed from my credit report after I paid the XXXX and signed up, they transferred me to a different department and they told me they can not help me because it happened before I signed up. So I am at a loss again. I called SoFi again and they said I never applied for a fraudulent application which no one told me to do that so I did and I still haven't got a phone call or email back. I don't understand what is happening and why i can not get any help.
07/18/2018	Yes	Student loan Private student loan	Struggling to repay your loan Problem lowering your monthly payments	CA 923XX	Web
When my student loan payment was set up, I had a different employer, and my monthly payment was set, based on how much money I made with that employer. Now, I no longer work at that company, and I make significantly less money, because I'm working for myself, starting a new business. My loan payment is so high, it is more than I pay for my mortgage, and I'm struggling to make my monthly payments. I physically don't have the money to pay such a high amount every month. I've contacted my student loan company, Sofi, several times ( most recently on XX/XX/18 ) to explain that I need to lower my monthly payment to an amount that reflects my new income, but they tell me there's nothing I can do. My account is now delinquent as a result. To make matters worse, they raise my interest rate every month, making this physically impossible to ever day off in my lifetime. I've already paid back the amount I borrowed and then some, ( over the last 13 years ) but still owe the same amount I started with. I'm just looking to simply lower my monthly payment to a reasonable amount that I can keep up with. Please help.
06/25/2022	Yes	Checking or savings account Checking account	Managing an account Banking errors	TX XXXXX	Web
On or about XXXX XXXX 2022, I opened Sofi Checking account with a promotion. As per the promotion, if i have direct deposit of $ XXXX within 30 days, I will be provided a cash back bonus of {$300.00}. I fulfilled that terms and conditions on XXXX XX/XX/2022 ( having more than $ XXXX as direct deposit ). Chatted with Sofi customer service ( on XXXX XX/XX/2022 ) and I was told by him that I will get {$300.00} cash back bonus within few days. Here is the chat You are now chatting with XXXX XXXX XXXX, XXXX XXXX, thanks for choosing SoFi! My name is XXXX XXXX, How can I help today? Hi XXXX XXXX how are you doing? when I am going to get my {$300.00} bonus? I'll be happy to help you. Give me 2-3 minutes to take a lookover your account. Thank you for holding and being so patient. We received your first direct deposit on XX/XX/XXXX. Your 30-days will be XX/XX/XXXX. Your bonus will post in 2 weeks from XX/XX/XXXX. ok how much bonus? If you deposit XXXX dollars with-in a 30-day period you would receive a XXXX dollar bonus. Today I saw that Sofi only credited my account for {$100.00} NOT {$300.00}.
08/12/2019	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	MI 48224	Web
On XX/XX/2019 at appx XXXX hours, I tried to make an ACH payment on my SOFI Loan ending in # XXXX with my XXXX XXXX checking account ending in XXXX. I gave the proper routing and check number and SOFI said the transaction went through. On XX/XX/2019, I received word that the transaction did not go through. The same day at appx. XXXX hours, I called and gave the same baking information from XXXX XXXX over again. The transaction was said to go through again. It went through on XX/XX/2019 but was from my XXXX XXXX account ending in XXXX. I never gave SOFI permission to take anything from that account. The action left me in the negative on my XXXX account and it has caused me adverse financial harm. I called SOFI to find a way to rectify this action and talked with XXXX at appx. XXXX on XX/XX/2019. He said they would call be but I have not heard from SOFI since. They had no right to take any money from the account and that needs to be rectified because that is criminal to take from an account without permission. All they had to do was take from the XXXX account like they had permission to do.
07/03/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92101	Web
I defaulted on a loan and it was sent to a collections company called XXXX XXXX XXXX. Once I got back on my feet, I called XXXX XXXX XXXX and talked to XXXX XXXX and we negotiated a settlement for my debt. She assured me that the call was recorded for both my protection and her protection, but the company has not provided the recordings to me, though I have asked. We negotiated my debt down from {$11000.00} to {$7100.00} ( a difference of {$4700.00} ) as long as I paid by XX/XX/29. I called on Friday, XX/XX/29 and paid the {$7100.00}. If you listen to the conversation, it is clearly a settlement in full for the {$11000.00}. Now that I've paid it, SOFI has changed their reporting to say that I still owe the remaining balance and that I have just made a payment of {$7100.00}, even though I have a statement from XXXX XXXX XXXX saying that the account is settled in full. This is extremely deceptive, as they are reporting as if the {$11000.00} was never discussed with their collections company and that I was just making a payment toward a balance, which is untrue. I was settling in full.
11/29/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	IA 52302	Web
Fraud occurred on my account XX/XX/10. I became aware of it that same day when Sofi alerted me and asked if a transaction was made by me and I advised " No. '' Sofi advised they would open a Fraud investigation and it may resolve itself or I'd be contacted within 7 days if additional information was needed from me. 10 days went by and the charges remained on the card and I'd not heard back from Sofi. I contacted them again and was told the investigation was closed but they couldn't determine why. They said they'd reopen the investigation and the process would start over again but they would escalate it so it would be addressed within 1 day. Another 8 days went by and I hadn't heard back so I contacted them for a status update. The agent had no information and Fraud had not yet looked at my account. I'm upset that these charges remain on the card and Sofi has not taken action to investigate. In total I've made 4 calls to Sofi about this issue and received conflicting information each time. Each agent seemed more concerned about getting the call finished instead of resolving the issue.
05/27/2022	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	MI 48103	Web
On XX/XX/XXXX, I received an email from SoFi with the subject line " Important! Activate your newest benefits '' instructing me to upgrade my existing SoFi Money account to their new Checking and Savings option. As part of the email, a {$300.00} bonus for certain direct deposit requirements for " All new members who open a SoFi Checking and Savings account during the Promotion Period and all existing SoFi Checking and Savings customers who have not previously set up Direct Deposit transactions ( Direct Deposit ) into their SoFi Checking and Savings account. '' After the evaluation period, I did not receive my bonus so I contacted customer support. They stated that because I had set up direct deposit in my SoFi Money account in XXXX, I was not eligible, despite the terms clearly stating that an existing member who sets up direct deposit in Checking and Savings would be eligible, which I did. Customer service refused to provide the bonus despite me meeting the terms and their reason for disqualification being impossible due to the Checking and Savings product not existing in XXXX.
06/23/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	WA 98004	Web	Servicemember
I am trying to link one of my external accounts to my SoFi Bank account. I got all the way through the process. Received a green check from the SoFi application indicating the account has been successfully linked. However I'm not able to see the linked account. Customer service seems to indicate they can see the account but I can not see it in any customer facing view. Screenshots attached of my 5th attempt. Also I'm not awarded the necessary points for linking an external account. I've contacted customer service who opened a ticket. No communication was provided to me and the ticket was closed with no issues found. The issue is still not resolved. One agent today told me that everything was resolved and I should just try again. That didn't work. I had to call in twice today, XX/XX/22, and have a brand new ticket filed because they are unable to re-open the first ticket. Rather than just closing a ticket and not solving the issue, I need the issue to be resolved and the points to be awarded. I feel I'm getting subpar customer service with issues not being addressed.
05/26/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	OH 452XX	Web
On XX/XX/XXXX, I went to XXXX to get pre-qualified for a loan. I pre-qualified for an offer from Sofi. I then proceeded through the application on Sofi with the same information and was initially denied. I tried again with the exact same information and got a quote that was 200 basis points higher than the XXXX offer. I reached out to Sofi and was told to proceed with my application and that they would attach the XXXX offer to it. Therefore, I proceeded with the application and had my credit pulled. After that, I was told that Sofi would not actually price match the XXXX offer. Again, I provided XXXX and Sofi the exact same information. Sofi told me that they might be able to reduce the rate, and came back with a 0.125 % reduction. Despite the fact that XXXX was a pre-qualified offer and I provided the same information to Sofi, my rate ended up being higher and I was misled into submitting my application by being told the XXXX offer would be attached. Sofi also emailed me back using the wrong name, which was concerning, but I assume an accidental oversight on their part.
10/28/2020	Yes	Student loan Private student loan	Dealing with your lender or servicer Problem with customer service	MD 21220	Web
I used a referral link to apply for a Sofi Student Loan Refinance XXXX # XXXX XXXX which was first approved on XX/XX/2020. When I applied, my referral bonus XXXX {$300.00} ) was present on the application the entire time. Sofi went through two iterations to beat my competitor 's offers and I eventually decided to go with Sofi. I had my loan funded on XX/XX/2020. Having learned from past experiences of companies refusing to pay incentive bonuses, I reached out to Sofi customer service on XX/XX/XXXX about my cashback bonus. I was contacted on XX/XX/XXXX and told the steps I needed to complete to get my bonus sent to my bank account. Over the past month I have been dealing with Sofi Customer Service trying to get them to give me my bonus. I provided the email thread of me discussing the bonus with them directly and the link I used. Of course, yesterday XXXX XX/XX/2020 ) they informed me that they were not responsible for the bonus despite it being applied to my application. Promoting cashback bonuses to have someone accept a loan and failing to provide the bonus is illegal.
04/28/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 92694	Web
I am an existing client with this company. I put in a request for additional funds. After 2.5 weeks of continuously asking me for one new item after another, they declined my loan saying, " Unable to verify income ''. This is FALSE. I uploaded my XXXX & XXXX 1040 's, I also uploaded my XXXX 1099 from my employer ( Have not filed XXXX taxes ). I was approved on my previous loan with Sofi using the same 1099 's for years XXXX & XXXX from my same employer. Sofi was also in possession of my XXXX 1099 for well over a week before making their decision. They only made their decision after I uploaded a Profit & Loss showing a XXXX expense, for the entire year! My Debt to Income Ratios are below 25 %, My Fico is a XXXX, and my income was almost 300k the last 3 years running. My unsecured debt is {$8300.00} and I have been with my current employer for 4 years. I have been around lending and for over 26 years. Sofi has denied the loan saying they were unable to verify income when all income was provided. They have been misleading and vague since I started the process with them.
08/12/2020	Yes	Student loan Private student loan	Getting a loan Problem with the interest rate	UT 84095	Web
I was approved for a student loan back in XXXX of this year with a great interest rate. I reapplied in XXXX to get a similar loan and was offered a rate about 4 % higher. I've called numerous times and have been passed around multiple departments. The only answer that I've received is that I no longer qualify for that rate. They will not provide me any information regarding what I need to do to qualify for that rate. They mentioned that my credit score could have significantly dropped. However, all payments have been made on time. My XXXX monitoring service actually shows my credit score has increased since I took out the previous loan in XXXX. Their only other answer is that it's all a software that decides, and they don't actually know why some of the differences in rate occur. They have given me the run around and haven't provided me any information with the reasoning I do not qualify for their best advertised interest rates. I'm now at the point where tuition is due, so I'm either required to get a loan 4 % above market or apply through a different company.
12/16/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NC 27713	Web
On XX/XX/21, I applied and was approved for a SoFi personal loan. I used a referral link that gives me a {$310.00} sign up bonus. However, it's been almost 6 weeks and I still didn't get the bonus. I reached out to SoFi customer service via chat to inquire about the bonus. I was told that because I don't have a money market account with them, i'll have to add an external checking account to get the bonus deposited to, which I did. Few days later, I chatted a gain to see if theres any updates, I was asked again about the money market account, I repeated the previous conversation again, opening and/or having a money market account is NOT a requirement to get the personal loan bonus. The agent said that she marked the ticket with that information and that I've already added an external checking account as instructed. I just chatted again today with SoFi and it's the same conversation all over again. Same thing for the person who referred me, she was told to add an external checking account, which she did, and still didn't receive here referral bonus of {$300.00}.
05/25/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	WA 98027	Web
XXXX got a loan threw sofi lending corporation, to go see my wife in the XXXX. XXXX tried to use my debit card it was declined I called my back was told that sofi took XXXX out of my bank, I then called sofi to ask why no help. I called again they said I also had a credit card account. I told sofi I just have a loan no credit card I ask for my money back they said they have to investigate, I waited 20 days nothing was done no emails answered nothing I called XXXX XXXX Bank and disputed they said we have to close your account do to fraud, I had a XXXX XXXX got out of the hospital and still no help from sofi I also list my job because sofi depleted my account and no funds to get home. I tried to pay my loan payment with them with a credit card they said only debit cards or bank transfer, again the bank closed my account so sofi reported me late, I got home got currant and they still did nothing about that credit card that was opened in my name. I tried to dispute with all three credit burrows I froze my reports. I again tried to resolve this with sofi nothing
10/10/2019	Yes	Student loan Private student loan	Getting a loan Denied loan	NY 136XX	Web
Hello, I recently applied for a Parent Plus Student Loan Refi through SoFi. I am retired and therefore have no earned income at this time. I submitted my retirement savings for income verification and was denied. I was not offered the opportunity to have a co-signer or to verify additional income. My complaint is regarding sex discrimination. My husband applied for a personal loan through SoFi a week or two prior to my application. He too is retired and submitted our combined retirement account statements as income verification. He was approved, no questions, no need for co-signer, no additional documentation needed. I spoke to SoFi this morning and expressed my concern for how my loan was processed and they spoke with both my husband and I on this call. They did not have a good explanation of why they could use my retirement account to verify his income, however, they could not or would not do the same for my loan. I am very disappointed to have been treated unfairly and with bias toward being a woman. I appreciate you looking into this situation.
06/17/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	OH 43147	Web	Older American
I opened this account on XXXX under a set of promotions listed on this website https : //partners.sofi.com/creditcard-mg-1/ ( operated by the bank in question - SoFi.com ( I have attached a PDF ). I have met the requirements for the 3 % rebate on all credit card purchases and also for the XXXX bonus as I have now charged XXXX {$1500.00} on the card. I have emailed them on separate occasions on XXXX, XXXX and XXXX to inquire about these two promotions, as well as two phone class to their support number. Today ( XXXX ) I received a email stating I would not get the 3 % because I did not go through a link on XXXX, although this link I used is publicly posted on many consumer websites, is still active, and goes directly to a sign-up at XXXX, so the bank is using it to recruit new account-holders, and apparently refusing to honor the 3 % or the XXXX. To their credit, they have posted XXXX to make up for not honoring the 3 %, but I still believe XXXX needs to honor the XXXX promotion. Again, this is the link I used : https : //partners.sofi.com/creditcard-mg-1/
04/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 923XX	Web
My XXXX credit report was accessed on XX/XX/2021 as indicated by a hard credit inquiry by SOFI/XXXX ( XXXX XXXX XXXX XXXX ) I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via USPS to the address indicated on the XXXX credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.
02/16/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	GA 30309	Web
Recently, I, XXXX XXXX XXXX, was denied an extension of credit by SoFi Credit CorpXXXX XXXX. On XX/XX/2022, I applied for SoFi Credit Card. As you XXXX be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1692 ( K ). SoFi Credit Corp. XXXX has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/2022, is both a proof and evidence that I have been discriminated against, you are also criminally liable. SoFi Credit CorpXXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. I received a response from the Sofi on XX/XX/2022 that does not satisfy this ongoing concern. I have escalated the matter with the Attorney General. See attached.
06/26/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	IL 60622	Web
Someone opened a fraudulent credit card account with Sofi using my information on XX/XX/XXXX. On XX/XX/XXXX, I found out about this and called the company. I was told over the phone that the account was closed and I would not be liable for the charges, and that the fraud department would follow up. They never did. I received a notice in XXXX that a payment was due, so I called the company back. They confirmed verbally that the account was closed, but said they could not confirm in writing. They provided me with an email address and a case number. I emailed the address and never heard back. As of today, XX/XX/XXXX, I am still receiving notices about the charges being due. Further, I requested the details of the account in writing ( which they legally have to give me ), but they never responded. Every time I receive a notice, I email customer service and the fraud email address I was given, and I haven't heard back from any of the recipients. This company clearly does not take fraud seriously, and does not follow legal regulations in regards to fraud.
05/07/2021	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	MI 49503	Web
on XX/XX/2021. I applied for student debt consolidation from XXXX to Sofi. I was under the impression that I had XXXX days ( XX/XX/2021 ) to agree to the loan. Upon hearing that there may be talks to cancel student debt and refinance with XXXX instead, i asked Sofi to cancel my refinance. They told me " no '' that the deadline was XX/XX/2021. The loan documents that I received from Sofi repeatedly stated XX/XX/XXXX. When I contacted Sofi they told me i can ask XXXX to return the check and cancel the refinance. When I contacted XXXX, they told me they cant do anything. I feel like I was misled, any loan that I have applied for gives XXXX days for final approval. No one from Sofi reached out to me regarding the XXXX day deadline, while all the paperwork stated XX/XX/2021. I do not know how many other students are being misled. I would like my loan returned to XXXX XXXX XXXX XXXX XXXX XXXX and cancel any consolidation with SoFi. Anyone reading this, keep your student loans with the XXXX XXXX XXXX and do not get misled by the private loan companies.
08/10/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	FL 33173	Web
I began an application to consolidate my loan with SoFi. I began the application online. I was almost done with the application when I saw that my exact loan balance was lower than what was being requested by SoFi. I hit the edit button to go edit the balance. It took me back to the screen to edit the loan balance. I typed in the correct balance and hit the " recalculate '' option. It took me to a page saying that my loan application package had been signed and accepted. I never signed nor accepted the package. It said that I was borrowing {$180000.00}. I never requested that amount, I only need {$180000.00}. I called immediately to have the loan edited or application cancelled. They said given the stage this application is in, they can not withdraw it immediately and they were not able to edit the amount. They said that they are working on it. In the meantime, my credit was pulled for a loan that deceptively tried to get me to borrow almost {$3000.00} additional dollars that I do not need, and most certainly do not need to pay interest on.
05/12/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 92880	Web
Sofi 's financial practice is deceiving and impossible to complete. We started the home refinance loan process XX/XX/2022. After locking the rates and submitting all the paperwork for our rental properties and my tax information, I didn't hear anything regarding the application process until Mid XXXX. Mid XXXX, we were notified to perform a home appraisal for our home to assess the value. We paid and the home was finally appraised on XX/XX/2022. Since then, the application has been in " underwriting process '' with the occasional documentation requirements that we would submit the same day. It's been 3 months since the appraisal and 5 months since the start of our home refinance process and yet we still don't know when the loan will be finalized. I tried to call and email various people in charge of my home loan including the financial officer and the processor, but I would infrequently get a response from my voicemails or emails. I am really hoping to just finalize this refinance process after 5 long months of not knowing what's going on.
06/21/2022	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	MN 55427	Web
This is a secondary complaint to closed complaint XXXX. In response to my last complaint So-Fi stated that they would be sending me a check via email for the {$5000.00} stolen from my account due to their lax security measures and my remaining balance of {$280.00}. The check in the amount of {$5200.00} was sent to me, but when my bank submitted the check for payment into a joint account with my son ( XXXX XXXX ), So-Fi rejected the check and did not provide the funds. It appears that they sent a check they did not intend to honor nearly to close out the initial complaint. My stolen {$5000.00} and remaining account balance of {$280.00} is still not back in my hands and is causing me to pay additional fees and interest on other loans due to the missing funds. So-Fi claims the fraud issues was on my end due to stolen email. However, outside of my So-Fi problem I have had no other instances of fraud perpetrated on any of my other banking or investment accounts, credit cards, or any other situation where the email in question was used.
01/06/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	WA 98682	Web	Servicemember
My complaint centers on a " decline '' credit decision by SoFi Lending/Mortgage without notification on the reason for their adverse credit decision. It is my understanding as a banking professional with 12 years of consumer and commercial lending experience that by law ( such as Reg. B, Fair Credit Reporting Act and HMDA ) a federally insured lender must inform an applicant on a credit decision within 30 days of receipt of a complete package and in cases where the credit decision is adverse ( such as a decline ), they must inform on the reason. Thus far no reason has been provided after initially receiving an " approval. '' My emails, voicemail messages and other forms of communication have been ignored. Based on my professional experience and on the fact that I have been approved for the same mortgage request with a different ( local ) lender, some form of bias or other type of discrimination has taken place. I would welcome the opportunity to discuss further. It is my fear that SoFi Mortgage is not abiding by federal regulations.
03/02/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	CA 91741	Web
On XXXX/XXXX/2015 we made a payment from our XXXX XXXX XXXX account for our student loan at SoFI. On XXXX/XXXX/2015, we paid off the total loan balance in full. Because we were signed up for auto-pay, and our autopay dates was the XXXX of the month, I requested that SoFI cancel the XXXX auto pay because the balance had been paid in full. SoFI responded that they could not cancel the autopay and that I could ask my bank to do a stop payment. I requested XXXX XXXX to do a stop payment in case SoFI tried to pull an additional payment. On XXXX, we received a letter from SoFI saying that our account was paid off in full and that our account was free and clear. Then, on XXXX XXXX we received and email saying that there was a {$380.00} balance due. Since then we have spoken to SoFI representative multiple times and forwarded them all of the information that they requested and yet they have not updated our account and are continuing to insistent that we owe a final balance. Loan is a refi for an XXXX from XXXX XXXX XXXX XXXX in XXXX XXXX
06/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 303XX	Web
SOFI reported my account as 30 days late when I made special arrangements, due to a diagnosis of XXXX XXXX and XXXX in the month of XX/XX/XXXX. I have been a customer for 1 year, no issues with payments until I became ill. I contacted SOFI to let them know what my plans were on XX/XX/XXXX, as that is the day my loan is due. My payment is XXXX per month. On XX/XX/XXXX, I paid XXXX on XX/XX/XXXX, I paid XXXX and on XX/XX/XXXX I paid XXXX to be all caught up. When I discovered they had reported me as 30 days late on XX/XX/XXXX, it made my score drop a whopping 100 points. I contacted them and they said they would do nothing. They were following government rules is what they said. I asked what rules they were speaking of I couldn't get a proper answer. I spoke with 3 separate people regarding this issue. XXXX, XXXX and XXXX who was the last person who told me they had to follow government rules. He was quite sarcastic and said it was nothing he could do. I ask if I could get a goodwill removal o the 30 day late, he said NO.
04/29/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	CA 92506	Web
I applied for a personal loan with SoFi Lending and was approved. Their disclosure process is not clear or upfront which leads me to believe it is not legal. After I signed loan documents it was disclosed to me that the loan would not be funded for up to 30 days and have been told I wo n't be given an exact date for funding. It should be disclosed upront that funding does not occur for 30 days. This should occur in the disclosures before applying. This leads consumers to making decisions on applying for a loan that are flawed and present Dishonest Services to the consumer.The loan is a fixed rate loan and the loan documents indicate a payment based on a specific interest on a 30 day cycle with the first payment XXXX/XXXX/2016 this leads me to believe I will be paying interest on funds that have not been disbursed to me. How can a consumer be provided with loan contract with scheduled payments with a commencement date with automatic withdrawals and no date for disbursement until after you agree to the terms?
09/09/2021	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	NV 89115	Web
Sofi restricted my debit card access without a email or response. I tried calling Sofi support and they were unable to address my issue for 2 weeks. Constant calling and leaving messages for no reps to get in contact with me, I had no access to my funds for weeks and finally got fed up and decided to transfer my funds out my account. When I tried to do so they flagged my account and said I had to contact support. Tried calling " Fraud Prevention '' this morning at XXXX but that number basically doesn't exist. I've called XXXX at every time of the day and it always tells you they are busy. Which means they have provided a fake customer service number that actually won't connect with anyone. I called the sofi rep and even SHE couldn't get in contact with them and said she has to email them. This is some of worst customer service I've ever seen from a company. Provding users with essentially a fake customer service number that actually never connects with someone to help is extremely shady.
06/04/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NJ 08759	Web
I had an awful day with my So-Fi personal loan today! I've always been early with all of my payments for this loan. I made an early payment- 6 weeks in advance on XX/XX/2019 for my XX/XX/2019 obligation. I logged into my account to check the balance on XX/XX/2019 and the account was posted as delinquent! After 3 phone calls and over 3 hours on the phone total, I was told by the service manager of the loan that it was So-Fi 's policy NOT to accept early scheduled payments and even though I made the correct amount of payments he said I was still delinquent. I've NEVER heard of a company that issues loans that does not accept early payments. He said I must pay the payment that I already made or the other option was to add the payment to the end of the loan?? Makes no sense at all. Customer service is horrible, no one understands basic concepts involving payments. Also their payment page had a " select button '' clearly stating the payment was for my XX/XX/XXXX payment. Are they allowed to do this?
07/06/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	FL 32606	Web
I received a SoFi credit card and SoFi debit card in the mail that I did not open. As soon as I received it I contacted SoFi on XX/XX/XXXX to explain I did not open that credit card and debit card and it looks like I have been a victim of identify theft. I was told they would note the account and have the accounts closed. On XX/XX/XXXX I received an email from SoFi that there was a balance of {$1600.00} on the credit card and it is due on XX/XX/XXXX. I contacted SoFi again on XX/XX/XXXX and was told that I would need to contact SoFi 's Credit Card Fraud Department and that is done by email or leaving a message at XXXX and to send multiple emails until they respond. I have emailed SoFi 's credit card department three times ( XX/XX/XXXX, XXXX, XXXX ) and have not received a response back. I called and left a message on XX/XX/XXXX and have not received a call back. It seems like no one at SoFi can assist me in getting the account closed out and the balance removed since I did not open the card.
10/02/2015	Yes	Student loan Non-federal student loan	Getting a loan Can't qualify for a loan	DE 19803	Web
I received a prescreened offer from SoFi to refinance my parent plus loans. I applied and was declined. The adverse action principal reasons provided stated : Delinquent past or present credit obligations with others. It would appear as though SoFi 's prescreen criteria is " tighter '' than their post-screen criteria. Meaning all of the previous delinquencies noted on my credit bureau are older than 2 years, so they were clearly they tradelines in question were there at the time of prescreening. You should not be declining based on information that is readily available at the time of prescreening, or do n't send out a prescreened offer. Additionally today I received another prescreened offer from SoFi for a personal loan up to {$93000.00}. I do not believe SoFi understands the purpose of prescreening individuals and direct marketing to them. I could understand if something changed with regard to my bureau report or my income ( ability to pay ) but that 's not the adverse action stated.
05/25/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	VA 23112	Web
My account was frozen about a month ago and the way I found out was via the message on top of the bank section of the app. It asks me to contact the fraud prevention team to resolve the matter. I have left several voice-mails between every few days and no one has returned any of my calls. Any attempts to reach someone through the Sofi app have resulted in being automatically redirected to the fraud prevention team who has not returned my calls. I tried their online chat, the system automatically stop proceeding any further and asked me to contact the fraud prevention team. I tried their XXXX support direct message, no one responds. Calling for banking support personnel resulted me getting directed to leave a voice mail to the fraud prevention team then wait. Banking support said there's nothing else they can do. After numerous complaints they finally called but I missed the call. I immediately called back to leave the message hoping to get them to call me back but to no avail to this day.
10/18/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 95765	Web
I took out a personal loan from Sofi and set up an auto pay to avail of a 0.25 % reduction for all payments made using the Auto Payment feature. I was asked to submit a copy of a void check as part of the authorization process which I did on XXXX XXXX, 2021. The loan amount was disbursed last XXXX XXXX. Today, I received a notification from Sofi that my payment did not go through citing an incorrect routing number for my bank account and thus, my payment is not qualified for a 0.25 % reduction. I am actually reported delinquent in payment which made my credit score drop to XXXX from previous XXXX. The routing number in their system was completely different from the routing number on my check and the one I entered. I find this very disturbing because, first, I only possess one bank account and second, it would appear that I made up a routing number. I think this incident is deliberate to make consumer fall behind payments and/or guarantee for them not to get the discount on interest.
01/11/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 92683	Web
On XX/XX/2022 I received an offer for a personal loan : {$590.00} SoFi Personal Loan Bonus Offer. I confirmed with an agent that I qualify. The loan application provided me terms of repayment to select. I submitted and Sofi ran my credit. Then they denied me with the following reason ; " Does not offer credit on the terms requested. '' I contacted support. They believed it was due to a computer error regarding another partially completed loan application. They removed both applications and had me do another application. Instead their system states " SoFi can't offer you a personal loan at this time, but XXXX may be able to help. '' This is a referral to a different lender. The agent suggested I add a co-signer. My credit score on their denial letter is XXXX as of XX/XX/2022. They loan was for {$5000.00}. It appears to me that this is some bait and switch in order to mine my data. How can they reject me on the terms requested when they are the one 's that gave me the terms to pick from?
09/09/2021	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	NV 89115	Web
Sofi restricted my debit card access without a email or response. I tried calling Sofi support and they were unable to address my issue for 2 weeks. Constant calling and leaving messages for no reps to get in contact with me, I had no access to my funds for weeks and finally got fed up and decided to transfer my funds out my account. When I tried to do so they flagged my account and said I had to contact support. Tried calling " Fraud Prevention '' this morning at XXXX but that number basically doesn't exist. I've called XXXX at every time of the day and it always tells you they are busy. Which means they have provided a fake customer service number that actually won't connect with anyone. I called the sofi rep and even SHE couldn't get in contact with them and said she has to email them. This is some of worst customer service I've ever seen from a company. Provding users with essentially a fake customer service number that actually never connects with someone to help is extremely shady.
01/29/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	MD 20912	Web
I originally started the refinance process with Sofi in XX/XX/2020. Since then they have repeatedly asked for my pay stubs, bank statements, and various other documents. I've given them absolutely everything. Over the last 3 weeks they have scheduled and canceled my closing numerous times! The reasoning has always been because they haven't gotten all of the paperwork from underwriting. Well today they emailed me to say they had to pull my credit report again because what they have expires on XX/XX/XXXX. My XXXX XXXX balance has gone up and I am doing monthly payments. They tell me that they need something from my federal student loans to say how much my payments will be. They already have this. And now they want more bank statements and proof I have the reserves to pay off my XXXX XXXX which is a balance of $ XXXX that I do not have. I make monthly payments. I'm concerned they never planned to give me this loan. I'm concerned their may be some discrimination occurring. Please assist.
03/07/2022	Yes	Checking or savings account Other banking product or service	Closing an account Can't close your account	NJ 08540	Web
I have been attempting to close my SoFi invest account and SoFi cXXXX XXXX account, and terminate my banking relationship with SoFi entirely. I have already withdrawn all my money from the account. On or about XX/XX/XXXX, I first requested to close my account, at which point SoFi said my account is " under investigation '' and " may be closed after the investigation completes ''. Due to implementation issues in SoFi 's system, the account has approximately {$0.00} balance, which might be a reason why it can not be closed in a normal way. After dragging on for a year, on XX/XX/XXXX, I once again reach out to SoFi and requested to close my account, and expressed my consent for giving up the balance, in exchange for terminating my banking relationship with them entirely ( I do not want any relationship with this company ). The agent still refer to " the investigation '' and refuse to close my account, and does not provide me with any timeline regarding when the account can be closed.
03/27/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	AZ 85033	Web	Servicemember
I was hacked in my acct with Sofi. The phone number and email were changed. In XXXX. They then subsequently tried to remove {$60000.00} from my checking acct which I didnt have. My bank charged me {$260.00} in overdraft fees which I got removed thank to prompt action by XXXX my bank. I the after several failed calls to Sofi I finally got on the phone with them. Told them to sell all my stock and withdraw my money and close my acct. and several tries and multiple emails and calls. Sofi then withdrawal several fees and other actions left me with {$1900.00} in my acct. never got an explanation of fees or why they were taken out. After multiple attempts to withdraw my money to no success, I contacted XXXX XXXX attorney with XXXX. He drafted a letter to Sofi demanding contact and resolution. Within a ten day window. No response from Sofi. And as of today I still dont have my money and acct is still open. I also when I call they cant find my acct due to them never changing the hacked email
06/18/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 75013	Web
I currently have a debt owed to Sofi Lending {$100000.00}. This company calls several times throughout the day and spoofs their phone number to look like a local number with my area code. The number that shows up on my caller ID is XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, but voicemails left ask me to call back on XXXX XXXX XXXX XXXX. Spoofing is against the Fair Debt Collections Act, as they are impersonating themselves to look like a local number in hopes that I will pick up and once they get ahold of me they can try to collect the debt owed. I will not pay debt that is trying to be illegally collected from me. I am not disputing the debt, I just simply will not pay a company that uses illegal tactics and multiple phone calls in a single given day to try and get ahold of me. I have call logs to show all the XXXX numbers they look to call from and then have voicemails that they leave stating to call the back at XXXX numbers, if this evidence is needed for this complaint.
02/28/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	CA 95747	Web
SOFI advertised a {$500.00} bonus for loans funded by XX/XX/XXXX. I applied for and was approved and my loan was funded on XX/XX/XXXX. I called SOFI after a month and I was told I needed to submit a XXXX, and that was the only information missing to get the bonus. I submitted the form, and got no deposit of the XXXX. I called SOFI again in XXXX, a ticket was submitted, I followed-up on the ticket and I was told {$500.00} will be deposited on XX/XX/XXXX. I called on XXXX and I was told the ticket for my {$500.00} claim got denied due to this being a new loan account promotion. This is my 1st and only personal loan with SOFI, of which I should be eligible. I was told by 2 previous reps that I would have received the deposit. I received no email from SOFI regarding this denial. If this is a means to lure individuals into opening new account, I see it as a deception, and not a good practice. I need the {$500.00} deposited into my money account as specified by SOFI in their promotion.
02/11/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MI 493XX	Web
In XXXX of 2021 XXXX froze my account and every since I been trying to get it fixed they don't return any calls all my calls other then the 1 time and they said it's because they don't know why people are depositing money to me, my calls to them go right to a voice mail box and I've gotten no letters from them no response other then on XXXX and then it's we will contact you but they don't my soon to be wife has been supporting us and personally know the people and the money that was being deposited was not stolen and the owners of those accounts know they are depositing to me because I was helping them and providing a service, all winter long I've been broke, I can't pay any bills, I can't buy food, I'm basically homeless I've refused to leave where I'm at to try keep myself alive but I'm pushed to the point I'm planning on XXXX XXXX if this don't get solved I won't live on the streets of Michigan because of them. The attached file is my girlfriends words she knows these people
10/19/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	FL 336XX	Web
my mom was resaving money from ssa and I didn't find out until XXXX or late XXXX when they call me by mistake they sent me 3 or 4 check i dint know what it was for I didn't ask because I need the money at the time for me and my baby girl so i had it switched to my boyfriend name four months later i get a call saying to come in to the office they mail me a later with the address and everything on it so I went and they said that they was going to stop sending the money and that it had to be paid back so i was thinking that the three or four check had to be paid back but they told us in a latter that it was XXXX and i never resaved all that money I was living with my god father and mother when all of this had accord and after i got done with school i went to live in Kentucky in late XXXX early XXXX came back got my own places and got a job now i have XXXX kids and it had to try to save money for my kids and get them the stuff that they need when this money didn't all come to me
05/31/2019	Yes	Checking or savings account Savings account	Managing an account Fee problem	VA 228XX	Web
I recently opened a checking/saving account with Sofi. In early XXXX, I attempted to make a deposit to the account using Sofi 's smartphone app ( Sofi does have brick and mortar outlets ). Upon completing the deposit, my account was immediately frozen. After many calls to Sofi customer service, I've only been told that my account is under review for " security reasons '' and that the office that completes the reviews is " backed up. '' I was also told ( snidely ) that my user agreement allows them to freeze the account for up to 10 days to " investigate inconsistencies. '' Now, almost a month later my account remains frozen with no explanation. Is it legal for a financial institution to continue to block access to the funds in my account? I find their behavior suspicious and wonder if they are simply floating the money for their own gain or worse have become insolvent. Again, their customers service by phone is completely unhelpful and there is no physical office to visit.
07/14/2022	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	NY 11201	Web
I have tried to open an online deposit account XXXX with SoFi Bank multiple times. They have denied me without explanation, even though I do not have any negative reporting with either credit agencies ( XXXX, XXXX, XXXX ), XXXX, or other well known credit/consumer reporting agencies. They refuse to send me any written documentation of their reasons for denying me an account. I have asked for formal written communications from them over the course of 7 different phone calls, the duration of which lasted hours cumulatively. I have been told various things at various times, ranging from that I was denied because I have two profiles in their customer database, to that I must have been denied because I have some kind of derogatory consumer or credit reporting information ( which is simply not factual ). Every time I call their customer service department they tell me they are unable to escalate my issue to a supervisor and that there is no additional person I can speak to.
04/18/2022	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	NE 681XX	Web
I decided to participate in SoFi 's " check your rate '' campaign. The rules of the campaign were to fill an application to the point of being able to get a rate quote ( soft credit pull ) but no requirement for a hard credit pull and to have an account with SoFi to have the promotional funds deposited. After 10 days, the company was to deposit the funds into your SoFi checking account. I completed everything required on XXXX XXXX but did not receive any funds. On XX/XX/XXXX I reached out to SoFi and spoke with one representative that said they did see the rate check but would have to connect me with a loan representative but then ended the assistance session without connecting me further. Once I got the second representative, they told me I must not have qualified for the promotion although I read the fine print on the promotion and was very particular about following all requirements of the promotion. The customer service rep offered no further path to fix my complaint.
10/22/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	OR 97128	Web
I was given the go-around by this company for about a week and a half. I was given different information each time I called about why my loan application was denied and what I could do to provide the information that was needed. After filing a complaint and waiting almost a full week to hear back from management, I was told that I had been denied because I could not provide information that was needed to verify my income and employment. I was told I would not have an opportunity to provide the information needed because they would not approve the loan regardless of me providing it. I asked why they would not consider working with me further and I was told that I could not know why I was denied, and there was nothing I could do. I asked many other times why I was not being given the opportunity to provide the information and the manager simply told me she could not tell me and that she was sorry. I feel that this was a discriminatory decision because of my XXXX last name.
05/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	FL 32818	Web
I got many calls today XX/XX/2019 from the same number XXXX and the people even left a voice message on my phone saying that they are calling from the Social Security on the voice mail it clearly states that they have found some very supspious activity with my SSN, I called the number back to see what the call was about and I was told that I am in trouble for money landing and drug trafficking the person said that his name was XXXX XXXX, I asked for an agent ID number and he told me ( XXXX ) the man tried to get me to give him my personal information and I was not willing to give my information the man then processed to tell me that My bank account is n the process of being frozen/ seeazed and that there is a warrant out for my assest the man then started to asked my have I ever been to the state of Texas and if so when was the last time I been there I then processed to hang up the phone and that's when I started getting back to back phone calls from the number non-stop
03/07/2021	Yes	Checking or savings account Checking account	Managing an account Banking errors	AZ 85008	Web
In XXXX I opened a checking account with Social Finance ( Sofi ). I noticed they gave me the welcome bonus twice of {$50.00}. A week later the erroneous {$50.00} was withdrawn and I was left with a balance of {$50.00}. In XXXX I went to file my taxes with the 1099-INT and noticed it stated that I had received {$100.00} in income as a welcome bonus and not {$50.00}. I contacted Sofi in XX/XX/XXXX and they agreed to send a corrected 1099-INT form that would arrive in 5-7 business days. It's now been a month and there has not been a corrected 1099-INT form issued. I will now have to file either an amended return after the deadline and write a corrected number on Schedule C line 21. This is pretty infuriating they made this error and didn't solve the problem by sending an amended 1099-INT form. I have contacted them twice now and support doesn't know what to do. I now have a higher chance to be audited over this silly error and no one at XXXX XXXX is willing to help.
04/15/2016	Yes	Student loan Non-federal student loan	Getting a loan Qualify for a better loan than offered	MD 208XX	Web
!!! Document the rates you are offered along the way and be sure to check the final rate on your loan!!!! During the pre-approval process, I was offered high rates for refinancing my student loan. I added my husband as a cosigner and the pre-approved rates dropped. I selected the 4 % fixed rate for 7 years. I then continued through the process. After getting " approved '' I received an email stating that the terms had changed. I logged in and it was not obvious what had changed. I called SoFi and was told that my rate had improved to 5.75 % and that I should just sign. It seems that the lower 4 % rate did not get recorded in the system. I was then told it was higher because they were unable to verify my employment. After verifying my employment, they told me I was never offered the 4 % rate. I am 100 % sure that I was offered this rate. The current rates that SoFi is offering me are barely lower than my current loan, and I would have never proceeded with the process.
08/18/2015	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	TX 75165	Web
I was declined for a student loan consolidation with XXXX XXXX. They informed me today that my loan was declined. Here was my response to them : This is extremely disappointing and troubling. Your adverse action report states that the principal reason for denial of my application was " Delinquent past or present credit obligations with others. '' In disbelief, I ordered a copy of my credit report from XXXX, with whom SOFI made the credit inquiry. AND THERE ARE ABSOLUTELY XXXX NEGATIVE ITEMS ON MY REPORT. No late pays, defaults, etc. Your approval process, dragging out over several weeks and requiring multiple uploads of the same information ( paystubs ) that could 've easily been understood by people of average intelligence, was ridiculous. Particularly as your site says that information from the Work Number ( which I also uploaded ) was an accepted form of income verification. I was willing to put up with that at the prospect of getting a fair rate on student loans.
02/27/2018	Yes	Student loan Private student loan	Getting a loan Denied loan	PA 19128	Web
I applied for a medical school student refinancing loan from SoFi in XXXX of 2017. I submitted all appropriate forms and paperwork related to my public and private student loans through their online portal. However, they had significant difficulty 'validating ' the private loan. Over FOUR MONTHS I was asked repeatedly to upload promissory notes, proof of loan educational status, and other correspondences with my private bank loan, each time finding a new form or reason to delay the process. Because of these delays, I had to upload work pay stubs, interest statements and proof of employment MULTIPLE TIMES because a prior example would 'expire '. Additionally I was subjected to MULTIPLE HARD CREDIT PULLS because of the delays. As over four months of acquiring sensitive, personal financial information has yielded continuous roadblocks, I can only assume their business practices are ultimately fraudulent and designed to acquire this information for financial gain.
07/26/2020	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	CA 94582	Web
At the end of XXXX, I opened a SoFi bank account with a {$75.00} welcome member bonus. I had to " download the all-in-one app, set up direct deposit, and BOOM, get another {$75.00}. '' I downloaded the app and set up direct deposit. My company direct deposited {$500.00} on XX/XX/XXXX. Two months later, I still had not received the welcome member bonus. On XX/XX/XXXX, I contacted SoFi to request the bonus. In one day, BOOM, XXXX responded that I had not qualified because their offer " requires two direct deposits. '' However, the offer attached for the welcoming member bonus specifically states to " set up direct deposit. '' There is no language as to depositing one, two, or three deposits. I downloaded the all-in-one app and set up direct deposit. SoFi states that they sent out a mysterious e-mail requiring two direct deposits. I never received any such e-mail and fulfilled the welcome member bonus conditions that were given in the original contract/webpage.
04/04/2018	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	IL 606XX	Web
Began process of applying to refinance student loans through SoFi on XX/XX/XXXX. Existing loans are serviced by XXXX and XXXX. Completed process on XX/XX/XXXX and received notice that my loan was being transitioned to XXXX as servicer. On XX/XX/XXXX, saw that interest had begun accruing on SoFi loan as displayed on XXXX website. However, at this time, funds had not yet been issued to my existing servicers, which I confirmed by viewing my dashboard on XXXX and XXXX websites and via a web chat with a XXXX representative. Per my attached lending agreement with SoFi, interest should begin to accrue as of the " Disbursement Date '' which is defined as " the date you [ SoFi ] issue money on my behalf to the creditors of my Prior Loans '' ( see sections E.1 and D.4 ). Because the money has not been received by the creditors of my prior loan, the definition of Disbursement Date has not been met, and interest should not begin to accrue on my loan with SoFi.
06/04/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	VA 235XX	Web
On Thursday, XX/XX/2022, I received an unsolicited SoFi Mastercard credit card in the mail at my home. The card was in my name and sent to my home. I did NOT request this card. On Friday, XX/XX/2022 at XXXX EST, I called the SoFi credit department to make a complaint. I was transferred to someone in Credit Fraud who closed my account and submitted my case to the SoFi Security Team as well as to XXXX, XXXX and XXXX. I was given the email address of the SoFi Security Team ( XXXX ) in case I needed to ask any further questions and was also advised to contact the CFPB to notify you of this event. On Thursday, XX/XX/2022 I also received an unsolicited SoFi Mastercard debit card in the mail at my home. This card was also in my name, though I did NOT request it. I was told by the SoFi credit card fraud department to speak with their Banking and Finance department about that case. I was also told by CFPB to submit a separate complaint about that card.
05/02/2022	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	CO 80123	Web
I have not received my debit card although it has been more than the 7-10 business days allotted since the opening of my bank account with SoFi. I also received a message that my bank accounts ( BOTH CHECKING AND SAVINGS ) was frozen on XX/XX/XXXX and have been calling several phone numbers linked to SoFi. Anytime I am able to speak to an actual human, which is rare, they work for other parts of the company and state they have no ability to inform me as to why my account is frozen. They can only see that it is frozen. They always end up directing me to their Fraud Monitoring Team who has a voicemail machine acting as their liaison. Whenever I am transferred, or call their fraud team directly, their is an automated message saying that it is going to get a representative on the line for me immediately followed by, Im sorry all of our agents are busy right now, please leave a message. I have left multiple voicemails, everyday since as well as emails.
09/26/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	PA 19087	Web
We applied for a mortgage refinance with Sofi on XX/XX/2020. After 4 months, we have not closed ( as of XX/XX/XXXX ). Throughout the process, Sofi : ( 1 ) Failed to timely respond to questions or provide updates ; ( 2 ) Missed 4 different projected closing dates ; ( 3 ) Caused our credit scores to drop unnecessarily due to excessive credit pulls caused by closing delays ( dates of pulls : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 ) ; ( 4 ) Presented erroneous information in the closing disclosures ; ( 5 ) Misrepresented steps taken to process the application. We have attached a separate timeline of relevant delays and actions. To summarize : Sofi has taken over four months to process a single refinance, damaged our credit scores through excessive pulls, presented incorrect disclosures, and missed several projected closing dates. Sofi has been insufficiently responsive and has failed to provide substantive updates.
04/14/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	XXXXX	Web
I am XXXX living in XXXX in XXXX. I was applied a loan XXXX through online to Sofi.com on XXXX. that time they asked me the 5 % deposit amount for my repaying capacity purpose. The customer care person asked me the deposit for your account number is wrong so that you want to pay XXXX. I paid it. Again and again they collect the money many more reason facts till time. I paid totally XXXX their asked money. Till time there is no solved my problem from them. Now they asked transfer fee charges again. I wont pay it, i told to them you refund my deposit amount, that time they told me, If you want your deposit amount you want to pay 10 % of my total deposit amount. I thought now they are doing frauldent activity from the public. They doing only collect the money from the public and enjoy it. I have really disappoint with this Sofi.com company. I have getting XXXX XXXX. I want to compansate this company XXXX Crores along with my deposit amount.
12/02/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 92115	Web	Older American, Servicemember
I had a SoFi credit card. On or about XX/XX/XXXX I noticed that my credit card had been paid in full and about {$5600.00} dollars had been taken out of my checking account. The next day their fraud department contacted me about a suspicious charge on that account for almost a XXXX dollars. When I looked at the account I noticed that my address and phone number had been changed to Florida. I live in California. When I contacted the company they said the money would be sent back to my checking account in XXXX business days. That did not happen. I spent hours on the phone trying to find out what happened to my account. Every time I called they said they were looking in to it. A month has passed and the company has yet to explain to me what happened. I suspect it was either an employee with access to their system changed my information or their entire system had been hacked. In either case the company has stone walled me with an explanation.
03/25/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NJ 088XX	Web
I applied for a Mortgage with SOFI, I have a XXXX credit score, more then enough assets, what ever they asked for I provided at least twice, and in a timely manner, there web site had numerous problem, that prevented them from not seeing what I sent, even though I can see it, that said I locked into my mortgage on XX/XX/XXXX and its still pending with no end in sight, every time they ask for something I give it, then that ask for more, they give me a day to get it for them, every single time that ask I give, within 24 hours then they ask for more, they admit they lost track of things, I want this mortgage to close ASAP, I more then qualify for this kind of mortgage, Im not taking money out, Im just having the rate lowered, please advise me what to do, SOFI is supposed to be easer to get these things done, yet I can not, again every time I give them what they ask for, they ask for more. Thanks, XXXX XX/XX/XXXX XXXX XXXX XXXX, NJ XXXX
06/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92120	Web	Servicemember
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer right to privacy and confidentiality under 15 USC 1681. XXXX account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following times of information. any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person known ir has reasonable cause to believe that the information is inaccurate.
02/16/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 752XX	Web
In the contract and statements it says after the XXXX a late fee of XXXX will be charged. But now the 10 day late letter already has the XXXX fee included. If the statement says after XXXX this will be charged that's illegal to charge the fee after day 1 and with the 10 day letter. I've also filed a complaint with the Texas State Attorney Generals office. The debt collection practices are inconsistent and confusing. I'm sending another complain to the CA SAG office. My monthly payment is {$810.00} and that should stay {$810.00} until after the XXXX of the Month. As you can see from the statements the 10 DAY LETTER already has the late fee assessed. But legally this is bound to the statement on the statements that " LATE FEES ARE ASSESSED AFTER 15 DAYS ''. They can not send me a 10 day past due notice with the late fees already assessed. I've also reached out to other Sofi members who have seen the same thing with this company.
04/19/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	KS 66604	Web	Servicemember
On XX/XX/2022 I filed a complaint against XXXX financial, and yet have had any response. Since filing complaint I have called 3 times with no call back, 1 response through email advising me that all communications should stay between Channel CFPB. At 1st I had no clue, now Im aware who that is. Its beginning the 2nd week of my account being froze. With NO exclamation. I deserve a reason of why, and now its beyond that. Now I want me money transferred and account closed. Ive called multiple times with no call back. I have missed 2 calls from a member of security and immediately called back. With no answer. All along playing phone tag. I have 5 different numbers and get very frustrated. This company being a invest firm I am steadily loosing money and Im tired. What money is in my account from my XXXX, and a cashiers check from XXXX sister to XXXX others. Our portion of a sale. How long is this to last? Thank you XXXX XXXX
06/17/2022	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	CA 92660	Web
A restriction was placed on my account over a year ago and I tried contacting the business several times and they werent helpful and only answer they been providing was that the account is under investigation untill a couple months ago I contacted them and they said the investigation has been completed and the account is being closed and any remaining fund in the account will be transferred to a external bank of my choice and they arviced someone will reach out to finish the proccess soon and help me transfer my money which is around {$6600.00}. Its been already a couple months and still no one has been reached out to me. i tried contacting them a few times but they just not being helpful and Im not sure what to do. I would like to request the business to contact me immediately and help me resolve the issue and transfer my money to my bank. It has been over a year already and any delay at this point is not acceptable.
06/01/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 94103	Web
I signed a mortgage with SoFi, which closed inXX/XX/XXXX. SoFi sold my mortgage to a different mortgage debt collector, XXXX, on XX/XX/XXXX. The quality of service of XXXX did not meet my expectations, specifically, XXXX does not have electronic statements. Other issues include : the online banking system is terrible, it took multiple days to enable autopay, none of my insurance information was transferred to the new mortgage provider, it does not have phone service on the weekend, and more. I am incredibly dissatisfied, in particular the lack of electronic statements. I have complained to both SoFi and XXXX on MonXX/XX/XXXX, and received replies XX/XX/XXXX, and neither is willing to resolve the issue. This is a security risk ( my personal information is in the mail ), a service quality and convenience issue, an environmental concern, and an accessibility issue ( suppose I had low vision issues ).
05/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	UT 84092	Web
My identity was stolen by someone and they open two accounts with Sofi lending company, Social Finance Lending. We have sent documents supporting that fact six or seven times. The police report, the identity theft report any other supporting documents. They keep sending it to another attorney and another attorney. This has been going on since 2015. They quit collection process on one of the loans and acknowledged it was fraud but now they're trying to collect on the other loan. If they acknowledged the first loan was fraudulent they should acknowledge the fraud on the second loan. We demand that they stop the collection process and quit ignoring federal law immediately. We hand-delivered a 35-page folder of all the documents. They were delivered to XXXX XXXX Senior Site Leader. She is in the XXXX XXXX, Utah office. The documents also mailed priority to their current attorney XXXX XXXX XXXX.
06/11/2019	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	CA 91320	Web	Servicemember
I refinanced my loan with Sofi through XXXX XXXX XXXX XXXX. Sofi cashed a check for {$27000.00} for payment of my loan in full on XX/XX/XXXX and has yet to apply the payment to my account. XXXX XXXX has an electronic copy of this check with the Sofi stamp on it, so it was most certainly cashed by Sofi on XX/XX/XXXX. Now I have two loans with payments due for the same {$27000.00} because Sofi has not updated my account to reflect the {$27000.00} payment. My account is officially past due today, although Sofi has received {$27000.00} for the balance. XXXX XXXX XXXX XXXX states they sent the following check : Check # XXXX Amount : {$27000.00} USPS Tracking Number : 940XXXX XXXX XXXX XXXX XXXX XXXX To : XXXX XXXX XXXX in XXXX Texas Again, the check was cashed by Sofi eight days ago. XXXX XXXX XXXX XXXX sent the check and then provided this information after I filed complaint # XXXX on XX/XX/2019.
04/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NY XXXXX	Web
SoFi bank keeps saying it can not approve my credit card application for the following reason : " Unable to verify Identity ''. ( see Sofi letter attached ). XXXX keeps recording wrong names which is the direct cause of the discrepancies. ( see recent credit report attached ). When queried by creditors, XXXX does not return first my main identity as shown on my ID ( attached also ) with my correct full name but instead a series of variations which causes the approval failure. I complained several times about this problem. Finally, XXXX added to my report a Personal Statements : " SPECIFIC PATRONYM RISK AS MY FULL NAME IS MADE OF A COMBINATION OF FOUR EXTREMELY COMMON GIVEN NAMES AND FAMILY NAMES WHERE ALL INVERSIONS, SUBSTITUTIONS, OMISSIONS, OR MISSPELLING CAN BE LINKED TO EXISTING INDIVIDUALS. REQUIRE THAT ANY NAME RECORD EXCLUSIVELY CONTAINS MY FULL PATRONYM AS OF XXXX XXXX XXXX XXXX ''.
11/14/2016	Yes	Student loan Non-federal student loan	Can't repay my loan Can't temporarily postpone payments	NJ 08520	Web
Applied for forbearance with SoFi via servicer ( XXXX ). Docs were sent on XXXX and I did not receive written decision as of XXXX/XXXX/2016. No explanation was provided within 30 days and as a result my loan is close to default ( 120 days ) .The lender, SoFi , did not respond within the time frame ( 7- 14 days ) described within their forbearance request policies and procedures ; 33 days have elapsed. Upon inquiry with the servicer, They noted I did not engage with their career services department. This was not noted as a requirement or contingency for general forbearance, and as a result I believe my request was rejected. I only learned this through a conversation with a Servicer Representative and not in writing as requested. As a result my credit continued to be impacted negatively and my loan is at risk of falling into default. I am willing to pay but at the moment lack the ability.
12/29/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	IL 60126	Web
Charged late fee when XXXX paid min balance 2 days before due date. ( XXXX, paid > min payment ; XXXX due date, XX/XX/XXXX fraudulently charged {$25.00} late fee and marked as late /missed min. payment. Amount XX/XX/XXXX Late fee Other {$25.00} XX/XX/XXXX Payment - thank you Payment - {$230.00} XX/XX/XXXX Payment - thank you Payment - {$130.00} Agent connected You are now chatting with XXXX XXXX. Thanks for contacting SoFi, XXXX XXXX! My name is XXXX XXXX Please give me just a moment to pull up your information. I'll be with you shortly. why is there a late fee on my card when I paid more than min balance 2 days before due date Are you going to reverse the mark on my account and the charge or do I need to file a report against SoFi with CFPB Due ate the XXXX of every month - paid more than due on the XXXX We are sorry to hear about this is this regarding your SoFi Credit Card? yes
11/01/2021	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	CA 94085	Web
I have been trying to reach SoFi ( XXXX XXXX XXXX ) for more than 2 weeks about a verification of deposit form and they just keep repeating the same statement " We need the lender to send us a VOD form ''. I as an account owner of SoFi am request a verification of deposit for XXXX XXXX reasons. XXXX does not provide a VOD form. The employees at SoFi can not seem to understand the simple fact that a VOD form for immigration can simply be requested by account owner. I have spent countless hours on phone with SoFi. I have created multiple tickets with SoFi and all their end result was wasting my time when my visa appointment is coming up! I even created a VOD form as an Individual to submit to SoFi and they rejected it for not having " company letterhead ''. HOW DOES AN INDIVIDUAL HAVE A LETTERHEAD? WHAT DO THEY WRITE? ACCOUNT OWNER, LLC? SoFi just doesn't understand simple facts.
02/28/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	CA 94803	Web
On XX/XX/XXXX, I received an alert that a 30-day late payment was reported on my SoFi account. The 30-day late payment is inaccurate. I made an online payment on XX/XX/XXXX for the amount of {$1600.00}. I spoke to one of the customer service representatives and was told that although I made the payment on XX/XX/XXXX, the credit did not post until XX/XX/XXXX. I requested to have this corrected, and honor the actual payment date and not the posting date. He suggested I email customer service. I did, and was told to call in. I called in on XX/XX/XXXX, and I told another customer service representative what happened. She said that she can only see the posting date. I said that is inaccurate information and I need to speak to someone in the credit reporting department. She said I should send in a letter. I said I need to speak to someone and this was over my 5th attempt to resolve.
04/08/2022	Yes	Checking or savings account Checking account	Closing an account Can't close your account	AZ 85635	Web	Servicemember
I'm not too clear on the date but my account was suddenly frozen to assumptions of fraudulent activity. From that day since have I've tried to contact their fraud prevention team in order to clear up any misunderstanding and hope to rectify the problem with my account. I stopped calling cause never gotten a response after leaving numerous messages with a reliable call back number as well the reason why I was calling. Approximately a year has passed since I made contact with SoFi, who I was banking with, and as of to the thirtieth of last month over a week have I tried to contact the fraud prevention team to close my account and see if they're any necessary steps to be taken in order to do so. It is now the XXXX of XXXX and still haven't heard anything from their fraud prevention team. I'm upset, confused, and frustrated of how I'm being treated by this financial institution.
07/25/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	NY XXXXX	Web
My Sofi credit card was refused saying " Unable to verify Identity '' in the adverse letter attached. However, we made all disputes with XXXX using the CFPB agency services and my identity details are now all complete and all perfectly accurate since a few weeks. I'm copying the latest XXXX credit report showing this assertion. In addition all my good payments have been paid in full and are now correctly reported since the XXXX account opening in 2015 with XXXX past dues. Six full years of XXXX past due with all payments in time and a FICO of XXXX plus identity verified can not lead to a credit card refusal. There is something wrong that have to be corrected. This is not a fair treatment considering the facts and figures. Additionally the denial is too generic and does not allow to focus on any sort of remediation in case on a glitch between credit bureaus or the bank.
05/18/2022	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	MN 55427	Web
Someone logged into my SoFi Money account and transferred {$5000.00} to individuals that I have never heard of. This was done in one day, not by me, over the course of XXXX transactions on XX/XX/2022. I was just denied my claim by SoFi and told I am out the {$5000.00} because they " couldn't establish that someone else had accessed my account. '' I want my {$5000.00} back as this are clearly fraudulent withdrawals by someone posing to be me. Their only suggestion was that I contact credit bureau to prevent this from happening with other institutions. I will now have to borrow {$5000.00} from elsewhere to pay back a SoFi loan that I was using the SoFi Money account to pay back. Clearly this " online '' bank doesn't have very good fraud detection. Other banks I work with would have sent me a notice of potential fraud well before this amount of money was taken from me.
04/08/2020	Yes	Checking or savings account Checking account	Managing an account Banking errors	RI 02886	Web
I initiated a loan payment as an ACH transaction on my lender 's site, debiting from my SoFi Money account. The payment debited my account a few days later. I received a follow-up email from my lender that the payment was returned, and assessing me a fee. The payment was still debited from my SoFi Money account. I attempted to resolve this with the lender, and they were insistent that they received a payment returned for " No Account / Unable to locate account '' and to contact my bank. I called SoFi only to be told that they didn't return the payment, my lender is wrong. The only " assistance '' I could get from SoFi was being told I used the wrong routing number. I verified the routing number used on the payment was the correct one, and they had no further help or ideas. No one will help to try and resolve this. SoFi has stolen over {$1000.00} from me.
01/29/2022	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	OR 972XX	Web
I have received two letters from SoFi ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) in the last few weeks, and both include this statement : " Federal student loan forbearance ends on XX/XX/XXXX. '' This is false information. Federal student loan forbearance was extended on XXXX XXXX, XXXX until XX/XX/XXXX. I received the second letter from SoFi on Thu. XXXX XXXX, XXXX ( see image from USPS Informed Delivery ), which is over a month after the forbearance announcement was made. SoFi is sending false information to student loan borrowers pressuring them to refinance their loans with their company. This is both unethical and illegal. Vulnerable student loan borrowers may be pressured by this false information to refinance their loans with SoFi, which benefits their business. I kept the second letter; please let me know if you need more information, and thank you!
04/07/2019	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't temporarily delay making payments	GA 30101	Web
Back in the Fall I incurred some unexpected medical expenses. SoFi had a temporary forbearance program that included XXXX expenses. I applied and didn't hear back, so after a time I checked with them and they stated that they didn't received the required paperwork, so I resubmitted it all, but at that point they said since the bills were over 60 days they weren't applicable. So I've been struggling to catch up ever since. Along the way I've had some other expenses come up that have stretched my budget, I also submitted General Forbearance applications to try and get some relief and again they get rejected for arbitrary reasons to a point where again they can then claim they are too " old '' to be considered. Per the terms of the loan I am entitled to up to 12 months of forbearance assistance, but denying me in my opinion they are violating their own loan terms.
06/30/2022	Yes	Checking or savings account Checking account	Managing an account Cashing a check	TX XXXXX	Web
I have Sofi Checking account. When I am doing any ACH in transactions- it's taking ridiculously long for that transaction to happen. Why it is taking long for funds to be available? Why there are holds in this account? Don't this bank trust me? In every transaction I am talking - both are my accounts in different bank. I deposited a check from Sofi to XXXX XXXX business account for XXXX but it's been returned with insufficient balance due to holds on this account by Sofi. Now XXXX XXXX will charge me {$12.00} return fees. Secondly why there is no way I can schedule a transfer for a later date? Sofi should not get the product out to the real world if Sofi is not ready? these are basics and customers in 2022 can not live without this kind of feature. As of this point, customer can only do immediate ACH transaction not after 1 day or next 30-60-90 days.
04/14/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	WY 824XX	Web
I found out on the app, not an email or phone call my account has been frozen because it had negative balance. The negative shouldnt of been there because Im supposed to have overdraft protection but thats for different time. I called the fraud department which never answers a call you have to leave message and wait for call back. So I did this 10 times, no call. Finally a customer service rep says tge freeze will be lifted as soon as account is current. No problem, my direct deposit hit, I am paid once a month so I have bills to pay. Freeze still not lifted, no call back, customer service reps have sent emails on my behalf saying account is current and nothing. This is amazing that a fraud department operates this way. Now its costing me to be late paying because some lazy XXXX wont call me back or just hit a XXXX button. Im absolutely furious right now
12/22/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	TN 37160	Web
The account was opened on XX/XX/2021. My twin brother fraudulently opened a card in my name and spent {$1000.00}. Previously to this account opening, I received hard inquiries from SoFi. I have never heard of this company before and never applied for a credit card from them. I called them and they said they would cancel the card but they did not believe me when I said I didn't apply. I've already sent out a follow up letter to them and the three major credit bureaus. I filed a police report and a identity theft report FTC. He may have applied for the card in my name and made himself an authorized user without my knowledge. since he is a twin, his SSN is one digit off from mine. He has already stolen checks from my grandfather and father. He has charges being pressed against him. They reported this to the credit bureaus and my score dropped XXXX points.
03/27/2019	Yes	Student loan Private student loan	Dealing with your lender or servicer Problem with customer service	CA 91040	Web	Older American
My daughter is refinancing and existing loan with SOFI which I am a consigner. However in the final loan discloser will not sent be sent to me as a consigner for approval. Two service agents told me the consigning application in essence says that that the cosigner agree to whatever term the primary borrow chooses. They also said say that final disclosed term will only be sent the borrow for approval. This does not seem right. The consigner should always be notified and required to approve the final loan terms. Does the law allow bypassing the consigner? If so, the law should be changed to required consigner 's approval of the loan terms. Also, both agents said that they have received many other complaints about this. It only reasonable the consigner to know and approve of exactly what they are responsible for. Attached is copy of the loan appilication.
08/01/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	DC 20008	Web	Older American
SOFI appears to be a discriminatory and classic bait and switch activity. They start by " pre-approving '' refis for PLUS borrowers like me, then collect reams of confidential financial and personal information, ( all demanded online ). Next SOFI increases the " approved '' rate, and the company demands more and more confidential financial and personal information. CallS to customer service were ignored and/OR mishandled. With REAMS OF confidential information on the PLUS borrower now in their possession, SOFI then demanded more and more confidential information. When the XXXX documenting my pension income were determined " insufficient '', and SOFI demanded copies of my pension " award letters ''? and wanted my checking account numbers, I decided to investigate my suspicions on your complaint database. Sure enough, others have had the same experience.
08/22/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	MD 20814	Web
I paid off my personal loan to XXXX - the remainder of the loan was for approximately {$15000.00} out of a total 5 year loan of {$50000.00}. I sent my payment by the mail with the print out of pay off amount from the XXXX website. Three weeks later I started to received daily debt collection calls. I called XXXX many times, gave them the check number that I sent to them. They finally located it and applied it to my loan and promised on the phone that the delay in finding the check would not affect the final pay off amount. Two months later, daily calls from debt collection started again, for an amount of {$72.00} that I now supposedly owed. While I shared the tenor of my conversations with XXXX and the fact that I was made to pay for interest that was the result of their delay in processing my check - the calls have continued XXXX times a day.
12/02/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	KY 41011	Web	Older American
Someone set up a fake line of credit with SOFI Lending Corp. That person hacked my checking account with XXXX Bank XXXX I saw the fraudulent charges and notified XXXX. They reimbursed my account but fraudulent charges kept happening so I had XXXX close my account. I then discovered that my credit report was damaged. I contacted SOFI and filed a fraud complaint with them. They told me they determined it was fraudulent. I have since sent them all the info they requested so my credit could be cleared up including a police report, copy of my drivers license, etc. SOFI has not cleared up my credit yet. I have checked with the major credit reporting companies. I need help correcting the problem that SOFI caused by allowing someone other then me to take out an account under my identity. SOFI shows a past due on my credit report of over {$20000.00}.
08/25/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	CA XXXXX	Web
Sad, but true! An ongoing issue for the past 8 months! Sofi is our new lender to refinance some private student loans. Referral incentive for the amount of {$300.00} has not been paid as promised months ago! Have documented emails from the management team with incorrect information and false hope! Numerous phone calls have been made, but no one even cares to resolve the situation. {$300.00} is not a lot of money, but false advertisement and terrible customer service makes us really upset! A copy of emails can be submitted upon request! Thank you! An Update : just spoke to XXXX XXXX, customer relationship consultant. She called me while I was about to submit this complaint. I did let her know and asked her what would have she done if she were in my shoes, and her response was to " let it go ''! The manager ( s ) keep having us wait with
03/09/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	NY 11553	Web
Sofi has changed my interest rate within less of a year of me establishing in the account. My account is enrolled in autopay. They issued a statement showing an amount of {$2000.00} was scheduled to be deducted on XX/XX/2022. Instead an amount of {$2000.00} was withdrawn from my account. When I contacted SoFi, on XX/XX/2022, to determine why there was an increase. I was told they made an error on my original application and applied a discount in the amount of .25 % twice to my account. I notified them of 12 CFR 1026- Truth in Lending ( Regulation Z ) where the lender is unable to change the interest rate during the first year of the account being establish AND after the first year, the lender has to provide a 45 days notice in writing prior to the changes going into effect. SoFi, has violated the terms stated in the Truth in Lending guidelines.
05/11/2020	Yes	Student loan Private student loan	Getting a loan Confusing or misleading advertising	MD 21230	Web
SoFi lending pulled my credit report and and offered me a refinancing option for my student loan. After weeks of back and forth they approved my refinance loan. Then out of nowhere after providing many and many document their loan officer withdrew my application without my consent. I called and asked to speak to their management team. I spoke to XXXX XXXX who seemed to try to help me. She ensured me that they will not be pulling my report twice. Still sofi pulled my credit report again within my consent or permission and after another round of weeks of asking for documents have denied my application. Their initial loan officer who withdrew my application without my consent was very discriminative towards me. She never responded to me when I asked. She made a comment about me having an accent and she withdrew my application without my consent.
08/12/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	NJ 088XX	Web
I reached out to SoFi Lending on XX/XX/19 for a mortgage loan on a foreclosure property I am buying in XXXX NJ. The pre-approved me, they requested all my personal and financial documents. I uploaded every document they asked for on their wed side including the executed contract for the property. I asked me to pay for an appraisal {$490.00}, but my checking account was charged {$520.00}. A few weeks ago I was issued a commitment letter for this property. I did a home inspection for {$450.00} and also obtained a XXXX for {$650.00}. My attorney fees are {$1400.00} and sellers attorney have a certified check from me for {$1000.00}. My closing date was for XX/XX/19 at XXXX XXXX. On XX/XX/19 one of SoFi manager called and told me they wouldn't be able to funded my loan because they just found out the property taxes are to high for income ratio.
07/22/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 90405	Web
I filled out an application for a signature loan with SOFI. www.sofi.com I uploaded the requested documents and they sent me a verification of employment to fill out. i filled out my portion. They faxed it to my employer. They did not include my SSN or an address where the verification can be sent to. After waiting about a week and several calls, my employer said they can not by law give out wage information by fax and needed a physical address which SOFI could not provide. Also, SOFI, as a lender should include a SSN when requesting verification of employment. I believe they are doing a bait and switch program to lure potential borrowers with attractive options and once a potential borrower applies they can not complete the loan because the way they conduct business prevents the loan from being able to get documentation required.
03/14/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	PA 191XX	Web
Hello, I referred two friends for the SoFi Credit Card which advertised a 6 % cash back bonus for 30 days for each successful referral. The first friend was approved on XX/XX/2022. The second on XX/XX/2022. I have been going back and forth with SoFi on the first bonus, and tried again today with a new friend. I literally watched her apply through my referral link, and on the application screen it said she was using my link. However. SoFi now claims they have no record of her using my link and awarded me a measly courtesy of XXXX dollars which will not even cover the extra cash back Id have earned today. They claim my referrals did not use my referral link. I actually watched them do it, so this is a blatant lie. And the first individual swears they use the link as well. There is clearly an issue with their referral system.
03/13/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	GA 30328	Web
I opened my bank account with SoFi in XX/XX/XXXX and have not had any issues. I suggested the bank to my roommate and she joined XX/XX/XXXX. We both have check books in the kitchen drawer and she wrote me a check for rent, I wrote her a check for furniture. I deposited the wrong check and immediately contacted them to let them know it was a mix up and to cancel the check but they froze my account. There is NO live agent to speak to, they only have a voicemail set up and say to wait XXXX hours to receive a call back. I have now called over XXXX times and have left several voicemails with no returned call. I have XXXX children and an elderly parent to take care of and this has caused me so much stress. They do not prioritize their customers and they dont even have a real fraud protection team to answer the phones, its all a scam.
09/03/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	TX 76051	Web
On XXXX I applied for a personal loan with SoFi to consolidate my debt and also provide funds for an unexpected veterinary bill. I applied with SoFi because they had an offer to get .50 % taken off your APR if you set up autopay and use 50 % of the loan for credit card debt. I hard pull on my credit was done. I was approved and started setting up the transfer to my credit cards, to find out that not all cards are supported, meaning I would not get the APR I was told I would receive because the transfer balance was less than 50 % of the total loan. The fact that not all credit card types are supported is not listed on their site anywhere ( which I confirmed with their customer service ). The hard pull that was preformed on my credit will lower my credit score, and could prevent me from getting a loan with a better APR.
11/17/2016	Yes	Student loan Non-federal student loan	Getting a loan Qualify for a better loan than offered	NE 68135	Web
I applied for a loan through SoFi. The advertisement says that Fixed rates are as low as 3.5 % APR. I applied for the loan and they were only able to get my 5.24 %. I called and asked a rep how they determine the score. They said a variety of factors such as job industry, duration of employment and a few others. However, my credit score is XXXX, near perfect. I explained this fact. That was barely acknowledged. I then asked what percentage of people have received a 3.5 % APR rate under their current offerings. The representative then said, " I have n't seen any applications with that rate. '' Under UDAAP, this may be considered a deceptive practice if no one can feasibly obtain this rate or SoFi knows that the amount is so astronomically low, that it is virtually impossible for any applicants to receive such a rate.
03/04/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NY 11215	Web
I have fallen into a vicious cycle where I am unable to pay my debt and so it just keeps growing, and I now owe more than I take in each month. I called SoFi, a company with whom I attempted to consolidate my debt at one point to discus my options -- the original loan was not large enough to consolidate all my debt and I was unable to manage both sets of payments -- and they completely dismissed me. They said there is nothing that they can or will do. My payments are due when they are due and they will continue reporting my failure to pay to the credit reporting agencies. I have reached out over phone and email and expressed me desire to work out a plan in good faith, but they refuse to cooperate. How can one make any headway against such intractable and heartless disregard for the reality of my financial situation??
03/27/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	GA 30328	Web
My Sofi XXXX credit card was stolen on XXXX when my locker was broken into while I was at the gym. I was contacted by the Fraud Department through text of a possibly fraudulent transaction at XXXX for {$500.00}. I texted back that I had not made the charge, and I also called and reported the theft of my wallet. I was assured that the charge would not go through. The charge posted to my account on XX/XX/XXXX. I have called twice to try to resolve the issue, but as of XX/XX/2022 ; Sofi has still not removed the fraudulent charge from my account. I have written a letter to Sofi disputing this charge and included a copy of the police report number. Please help me resolve this dispute as I am supposed to be protected by the Fair Credit Billing Act, as well as XXXX Zero Liability Protection for fraudulent tranasctions.
03/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11209	Web
Hard inquiry from XXXX XXXX XXXX XXXXI did not apply for credit, disputed with XXXX and removed from my report. Received a call from Sofi about an account that was being attempted to be opened. I did not try to open account. XX/XX/22. Disputed with XXXX and removed from report. Received a letter from XXXX denying a Credit card as i already had a credit card from XXXX XXXXI did not request a new line of credit -I called XXXX and they listed this as fraud., XXXX did not see this on my report. Hard inquiry from XXXX XXXX XXXX I did not request a credit card from them. I have placed a credit freeze with all 3 credit bureaus so that no one will be able to open credit in my name. I'm not sure what else to do. *i did open care credit with XXXX XXXXThat is the only recent credit line that i applied for.
07/06/2022	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	VA 22206	Web
On XX/XX/XXXX, I referred a friend for a SoFi banking account based on a promotion where we both would receive {$15.00} and I would receive {$25.00}. My friend completed all requires steps of creating a login, opening, and funding the account. However, a referral bonus did not post. After discussing with an agent, I was told that Sofi decided to end the promotion early and that they were not currently paying out bonuses. I informed the rep that I met the terms before the promotion ended and they were unsure if the promotion would be paid. I was told a complaint would be filed on my behalf but never heard back. Today on XX/XX/XXXX, I reached out to Sofi again and they told me there were no longer any referral records or tickets logged on my account. They appear to have never investigated this issue.
07/01/2020	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	IL 60101	Web
On XX/XX/2020 SoFi Invest inaccurately displayed the number of shares held in security XXXX. The inaccurate display of holdings triggered investor action. SoFi has been unable to provide accurate account of the security to date. On XX/XX/2020 SoFi invest began withholding funds available from withdraw without explanation. There has been a running discrepancy between funds available to purchase securities and funds available for withdraw. I have contacted SoFi several times to resolve the discrepancy without success. What is the purpose of a financial institution? Is it not a institution a consumer depends on to maintain an accurate record of assets? SoFi is an embarrassment to the financial industry and is holding my funds without explanation, reasoning or applicable account terms to justify doing-so.
06/24/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Overcharged for something you did purchase with the card	TX XXXXX	Web
Sofi XXXX it seems they are in a lot of hurry to introduce new products without doing much home work. It took almost 2+ weeks for me to open the credit card with them. Yesterday I tried to open a dispute for a merchant. There is no online dispute method. Chat people don't help. Telephone support - lots of wait time. Finally telephone people is trying their best not to work for the customer by stating " please call the merchant ''. I told her that there is a wait of more than XXXX hours to talk to the merchant. How i can submit the documents for this dispute? She had no answers. XXXX XXXX XXXX at XXXX TX over charged my credit card on XXXX XX/XX/2022. XXXX was suppose to charge me {$15.00} but they charged me {$27.00}. I told XXXX person at that time only but she said - " it's been taken care of ''
11/28/2021	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	CA 90038	Web
I have an approved credit card from SoFi. I was trying to open a money account but couldn't open it. It kept telling me that a code has been sent to my phone which I would need to confirm in the app in order to proceed. I never received the code in my phone. I called SoFi and the representative said she is replacing code via text confirmation with code via email. But that didn't work either and it kept telling me a code has been sent to my phone which I never received. The operator said she would escalate this to their engineering team. XXXX hours later I received an email from SoFi stating that the issue has been closed and or resolved. I still can not open the money account because it still keeps telling me that a code has been sent to my phone which I would need to confirm in order to proceed.
06/07/2022	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	CA 94501	Web
I opened a pair of checking and savings accounts with XXXX and a few weeks later my account is suddenly shown to be frozen. XXXX has a banner that said to call a fraud phone number but the phone number instantly goes to voicemail. I confirmed with a representative on the regular chat line who confirmed that this is by design and that there is no one to speak to if I wanted to unfreeze my account. There are no one support channels to speak to someone directly about this freeze. They all say to call this phone number which has no person on the other end. I find it highly unreasonable that my accounts can be frozen without any means to clarify any ways to unfreeze it or work through any problems it may have. There simply is no way to reach out to a human person to expedite unfreezing the account.
08/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 08723	Web
We have had a personal loan through Sofi for almost two years. We have NEVER been late. We set this account up for automated payments through their website for the month of XXXX since we knew we would be out of state and unable to access the internet, banking or email. Upon arriving home on XX/XX/XXXX, we received notification that the XX/XX/XXXX payment was not received by them and they had reported us 30 days late to the credit reporting agencies. Due to our impeccable record, the mix up on the automated payment system and the fact that we made the payment as soon as we were aware ( XX/XX/XXXX ) we requested a ONE time credit suppression from Sofi. We feel that our request is reasonable but Sofi is acting unreasonable and will not provide us with a satisfactory or courtesy resolution.
06/03/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	GA 30213	Web
On XX/XX/19 I had several unauthorized transactions to happen on my account. I immediately called sofi and made them aware of what was going on. I was emailed a letter saying that they had begun an investigation and that my account would be credited it 10 days if they hadn't completed the investigation. That was apparently in to me rather that the situation at hand. They went on the next day saying they where. Closing my account dye ro a policy violation. When I ask for explanation np. Was provided. On the XXXX business day I called in and inquired about what was the hold up on my credit and almost instantly they denied my dispute without explanation. I even contacted the merchant where this happened who let me k ow the never contacted him for anything So much for their investigation.
03/01/2021	Yes	Checking or savings account Other banking product or service	Closing an account Can't close your account	MN 55422	Web
I have been unable to close my SoFi XXXX, Active Investing & Crypto Investing accounts because my Crypto Currency account has a {$.00} balance which is below the minimumSoFirequires initiate a trade. I entered an order to " Sell All '' my Crypto Currency balance on XX/XX/XXXX butSoFicompleted the transaction leaving my account with a {$.00} balance. I have requested thatSoFiclose my account on four separate occasions but they have not closed my account because of the miniscule balance. My most recent request to close the account was on XX/XX/XXXX. On a prior attempt to close my accountSoFireplied ; We are not able to close the XXXX account due to the small balance. Since this is below the minimum needed to sell ( {$10.00} ), we have to work on a solution. Sorry for the inconvenience.
03/14/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	HI 96720	Web
My checking account and online banking with SoFi have been locked and restricted since XXXX XX/XX/2021 due to supposed suspicious activity. I attempted to call and email SoFi customer service on a daily basis and then weekly basis to no avail. All I received were automated responses and no call back to my numerous voicemails left. Finally, on XX/XX/XXXX or XXXX I received an email saying that my account had been closed since I did not address the negative balance there was due to a reverse on a provisional credit given to me. It was frozen so I was not able to deposit or remedy the XXXX situation whatsoever. They also stated this would be reported to the IRS or any pertinent creditors. I am very upset by this and appalled by the lack of customer service or attention on SoFis part.
03/14/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	HI 96789	Web
My checking account and online banking with SoFi have been locked and restricted since XXXX XX/XX/2021 due to supposed suspicious activity. I attempted to call and email SoFi customer service on a daily basis and then weekly basis to no avail. All I received were automated responses and no call back to my numerous voicemails left. Finally, on XX/XX/XXXX or XXXX I received an email saying that my account had been closed since I did not address the negative balance there was due to a reverse on a provisional credit given to me. It was frozen so I was not able to deposit or remedy the e situation whatsoever. They also stated this would be reported to the IRS or any pertinent creditors. I am very upset by this and appalled by the lack of customer service or attention on SoFis part.
01/21/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	GA 307XX	Web
Received offer from " So-Fi '' about Welcome Bonus opportunity in the amount of {$590.00} if I apply for personal loan and get approved. Deadline to apply for personal loan was XX/XX/2022. I applied for loan on XX/XX/2022. My loan was approved and I signed it on XX/XX/2022. So-fi claims that I can not receive my bonus because I was approved after XX/XX/2022 which they said it was a deadline to be approved and funded.It was holiday weekend. Terms and conditions by Sofi were misleading for customers. My credit score dropped about XXXX points doing a personal loan application. This is not fair business practice at all. I read comments from other So-Fi customers online who signed and funded their personal loan application on XX/XX/2022 and still received their Welcome Bonus.
02/19/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	TX 77407	Web	Servicemember
while shopping for a debt consolidation loan i applied at multiple institutions, till SOFI conditionally approved my application, this happened in XXXX. towards the end of XXXX i had to fix a problem with a document, after multiple calls trying to get my application looked at they told me the same thing the person was not at work. two weeks after i called every day so i could get it finish. today after my call they told me i was declined due to inquiries on my credit, since it took the a month and a half i got declined due to other applications i put in while waiting for Sofi to process mine. in short due to exceptionally poor service i received my time was wasted, costing me time and money. i feel like i was discriminated against due to my amount of contacting this institution.
12/28/2020	Yes	Money transfer, virtual currency, or money service Virtual currency	Other service problem	MN 55422	Web
I have been unable to close my account Crypto Currency/Brokerage account because it has a {$.00} Crypto Currency balance which is below the minimum SoFi requires initiate a trade. I entered an order to " Sell All '' my Crypto Currency balance on XX/XX/2020 but SoFi completed the transaction leaving my account with a {$.00} balance. I have requested that SoFi close my account on three separate occasions but they have not closed my account because of the miniscule balance. My most recent request to close the account was on XX/XX/2020. On a prior attempt to close my account SoFi replied ; We are not able to close the Crypto account due to the small balance. Since this is below the minimum needed to sell ( {$10.00} ), we have to work on a solution. Sorry for the inconvenience.
11/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 34759	Web
Sofi Lending Corp and XXXX has reported defamatory information about me to XXXX on XX/XX/. I am challenging the incorrect information with the Sofi and XXXX inquiries on my credit report. Where Sofi clearly violated the law. Sofi and XXXX put on my credit report an inquiries that is not mine. The inquiry is false and the date false. Verification of claim against me ( a sworn affidavit ) Im challenging this inquiry with Sofi and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this inquiry such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove inquiry from XXXX credit report immediately.
05/27/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	KS 672XX	Web
I am unable to login to access my money, I dont know why and they only responded to me once and said they are reviewing my account and want to see if I receive money thats again their TOS and they also say they cant provide me any ETA for the process. And since then they stop replying me on all their Platforms. Ive pleaded with them that I have an emergency issues and need some of the money to take care of my illness, they are triggering my XXXX. The money I received on the Acct was also a refund by A crypto company name XXXX after fighting them for 3 months they pay my money back to the Sofi account I opened and now Sofi is holding the money again and no response I read and research online about them and most people say they wont respond and fix it until I complain here.
07/08/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 92316	Web
On XX/XX/2022 I deposited 2 checks just opened the account like 1 or 2 weeks prior so first I deposited XXXX form my personal bank account to unlock mobile deposit. As I unlock this i deposited 2 checks one for XXXX this check went though and another one for XXXX. The check for XXXX $ did not go though and this was I check I got mailed for form a wager I won form a guy online. After this check had not went though they frozen my account try and waited patiently for the security team to contact me its been 3 weeks no call back. I've tired reaching the company though other ways which no one could help my situation. I need the money in my account to pay rent and upcoming bills there currently XXXX $ in this frozen account that I have not been able to access for 3 weeks.
03/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30318	Web
Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT* ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and wellbeing by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT* )
07/11/2022	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	VA XXXXX	Web
On XX/XX/2022, opened new checking and savings account in response to {$300.00} bonus offer for {$5000.00} direct deposits. Having met the direct deposit condition on XX/XX/2022 and waited the required payout time, contacted company on XX/XX/2022, and was informed I did not qualify since I had a previous bonus for a Sofi XXXX account. However, I presented the screenshot of the terms at the time of account opening which did not preclude this during a chat session. Agent informs me the terms had not changed but I provided evidence that the terms were changed when the company extended the bonus offer on XX/XX/2022. Because my account was opened under the attached terms, my eligibility remains valid and I ask CFPB to enforce the {$300.00} bonus payment.
04/18/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MN 550XX	Web
On Thursday XX/XX/2022 I XXXX XXXX tried contacting SoFi as soon as I saw my account was froze and I was notified to contact fraud prevention. Since then I would call multiple times a day as well as today XX/XX/2022. There is no other way to contact them and they do not call back. Now my checking account which I have the last four numbers to is completely gone and XXXX cant see or access my paycheck from work. This is infuriating. I want this resolved so I can get paid or have it returned to my company so they can pay me differently. I know the account was froze due to the deposits that didnt go through I was moving money around from account and made a mistake as the ones I tried moving were already in other accounts and thats why it was declined.
03/05/2018	Yes	Student loan Private student loan	Getting a loan Confusing or misleading advertising	NY XXXXX	Web
I signed up through https : //www.sofi.comXXXX to refinance XXXX {$30000.00} in student loans with a promotional offer of XXXX XXXX point for every {$2.00} refinanced. I even called in after to confirm that I was enrolled. Upon having the loan funded, as expected I reached the screen where I entered my XXXX account information. Thinking I was all set, I waited about a month for the points to get deposited in my account before contacting SoFi. I got a canned response " We can not apply a new link after it has been 30 days since your original loan funded. The system locks out the manual adjustment option after the 30 day time period. '' Attempts to escalate this internally got nowhere. I would not have chosen SoFi if it did not have this offer.
07/20/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OR 972XX	Web
XX/XX/XXXX : mortgage payment paid on time. Sofi stated that the amount was incorrect. They had erroneously included an extra {$310.00} on payment for taxes. Taxes are to paid separately by me. Numerous call/emails were made which highlighted the fact that Sofi did not keep correct records and did not have copies of paperwork that they had sent when the loan was funded. XX/XX/XXXX : mortgage payment paid on time. Sofi again contacted stating that the payment was not received and a late fee was charged. Confirmed with the bank that payment was sent to the correct address. called sofi who stated that they could not look for the payment and that official paperwork from the bank would need to be sent to verify payment. This has not been resolved.
07/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30519	Web
XXXX XXXX XXXX XX/XX/XXXX 2.US Small Business admin oda XX/XX/XXXX XXXX. Sofi Lending XX/XX/XXXX I checked my personal credit report, and I noticed an unauthorized inquiry had been made. I contacted XXXX, and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business
02/07/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MI 48224	Web
I fell behind on my payments in XX/XX/XXXX. I never signed anything and simply asked for a payment holiday. They put me in forbearance and changed the term of my loan. It is an installment loan with a fixed interest rate. It originated XX/XX/XXXX with a monthly payment of XXXX. I had missed three months of payments but now I am current as far as making 25 payments of XXXX. They say I owe interest from being late and made my monthly payment XXXX even after catching up with my monthly installments. They want me to pay over XXXX dollars more than what was agreed too. I simply want the old scheduled payment back to what we agreed too. I have already told them I will not make a higher payment since I never agreed to a higher payment in writing.
04/19/2022	Yes	Checking or savings account Other banking product or service	Opening an account Account opened as a result of fraud	CT 06824	Web
Today I received email from Sofi that a new account opened XXXX unknown XXXX phone numbers attached in email. My credit was fraudulently used to open an account with SOFI. I have tried over and over to contact them, and had no success spoke to customer service rep @ Sofi name XXXX nothing resolved I explained and asked for fraud department instead she gives me a non working fraud dept email. Called back again asked to speak to XXXX transferred to XXXX again no resolution. This company can not tell me how they got a hold of my personal information. I never authorized my personal info be used by Sofi for any business or financial services and requesting that all fraudulent accounts be closed immediately before taking further legal action.
02/26/2022	Yes	Student loan Private student loan	Dealing with your lender or servicer Need information about your loan balance or loan terms	MD 207XX	Web
I had a private student loan with XXXX. I requested SOFI to re-finance the XXXX loan. SOFI did. SOFI then over-paid XXXX by $ XXXX on XX/XX/2022. XXXX claims they have since re-credited SOFI with the $ 7,000+ check. SOFI claims they have not received it and have no obligation to hunt the check down. Meanwhile, my student loan balance with SOFI sits at $ 7,000+ over the real amount due. SOFI also states that they will do nothing about having not received the check for a least two months since the refinancing happened - i.e. two months since XX/XX/2022. In the meantime, I do not have over {$7000.00} that rightfully belongs to me. I feel robbed without recourse. Do not let loan servicers who refinance sit on money that is not theirs.
02/08/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	AL 35226	Web
I was prior to hard hit credit i was confirm all my information and submit required documents to SOFI and i was confirm them 3 times over the phone before submitting application and their representative were confirm you are eligible for our loan program and you documents also verified as well that can be meet our criteria. After submit my application they were saying we are not consider your documents to lend you money since i not meet the their criteria. All and all i would they they were lied to me and unnecessary force me to push submit application and they hard credit pull that effect my personal credit. I was also reach out them to resolved issue but they were suggested me to report online. That is the reason I am reporting here.
02/15/2022	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	OH 452XX	Web
I have a XXXX XXXX with Sofi. I have been trying for over a week to initiate a withdraw from this account. The tell me the withdraw is broken. They pass me from support agent to support agent and tell me I need to wait for the tech dept. to fix it. I've also been told that until this link is fixed there is nothing that can be done. Then they told me I could get a check issued and then told me to initiate I need to use the withdraw function, which does not work. This happened in early XXXX as well but last time they resolved it more quickly and I thought it really was just a temporary issue. They initiated the withdraw on their side. Now 2 months later the same link is " broken '' and now it is not possible to access my money.
12/16/2021	Yes	Student loan Private student loan	Dealing with your lender or servicer Problem with customer service	IL 606XX	Web
On XX/XX/26, a student loan I refinanced with SoFi was funded. At the time I refinanced, I responded to an offer to get a {$500.00} cash bonus as part of the refinance. After the refinance was completed, I reached out to inquire about the bonus and was instructed to ensure that I had a W9 on file and that the bonus would be paid in 30 days. I completed the W9 and have followed up with SoFi several times as I still havent received the bonus, and I am not getting helpful assistance. They keep telling me to do the W9 and the bonus will come, which Ive done and it hasnt. The company seems to lack solid controls for ensuring they can fulfill their customer commitments and Im very frustrated. I want the money that was promised to me.
09/21/2018	Yes	Student loan Private student loan	Dealing with your lender or servicer Problem with customer service	MD 20815	Web
This is a continuation of the case # XXXX that was filed back in XX/XX/XXXX against the company XXXX. The company resolved to pay me the amount of {$300.00} in 6-8 weeks time in their response to my complaint. Instead of receiving payment in the specified time, I instead received a letter via XXXX today almost 8 weeks from their last response to me. The letter basically restates the same response I received back in XX/XX/XXXX and that I would have to wait a " few more weeks '' to receive payment. This is unacceptable. I thought it was ridiculous to wait 6-8 weeks to receive payment and now their response is completely indefensible. The company has lied to me repeatedly and also to the CFPB in their settlement response.
07/11/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	PA 15241	Web
XX/XX/2022 : Sofi sent an e-mail of {$20.00} bonus for viewing mortgage rate ( attached ). On the same day, I applied through the link provided in the e-mail, consented to soft credit check, and received few mortgage rate offers ( and multiple phone calls from mortgage agents ). Mortgage rate offers are attached. XX/XX/2022 : Inquired to Sofi about the bonus, and was advised that it would take 7 days to be deposited. XX/XX/2022 : Inquired to Sofi, was asked when I did view my rate ( which I responded right away that it was XX/XX/2022 ), and no response. XX/XX/2022 : Inquired to Sofi, was told that I have to apply via provided link, and have Sofi checking and savings accounts ( which I do have since XX/XX/2022 ).
11/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MN 554XX	Web
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on the proof of payment history and any documentation that this account belongs to me. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. This is the account that still erroneously reporting on my credit report : SOFI XXXX Date opened XX/XX/2018 Balance-
06/02/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32223	Web
Loan Servicer : Sofi Lending Issue : Servicer is refusing to release required funds from escrow to cover mandatory homeowners insurance premium. Lender has been provided all insurance information and information has been verified with the lender. They have stated they will hold funds because their system doesn't reflect a payment due although all invoices and documents have been provided by myself and the company. Receipt of documents have been verified by the lender. The lender has excessive escrow balances and should be making payment as required but due to some sort of issue within the organization, they have not. I have attempted to rectify from XX/XX/2020 to present XX/XX/2020 including emails and phone calls.
03/27/2019	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	WA 98028	Web
I have a SoFi Money account. Your security team restricted my account and I am unable to access my funds that I need to make a payment on Monday. You support was supposed to reach out to me to help me but hasn't responded till now. I was supposed to be contacted on Monday or Tuesday but no one has contacted me even after 5 days of freezing my account and there is no explanation. Your front line customer service has no idea ( in their own admission ) of what is going on and your security team is unreachable ( who has placed a freeze on my account ). In the midst of this, you are holding my life savings of {$76000.00} hostage with no way for me to make any payments or giving any information what happened to my money.
04/28/2017	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	CA 94602	Web
On XXXX XXXX , XXXX , SoFi sent an email saying my interest rate had been miscalculated for a short period ( as part of the Auto Pay benefit ), and that SoFi would credit my account during the first week of XXXX . By XXXX XXXX , nothing had shown up. I called SoFi and was told it would be done two weeks later, by XXXX XXXX . By XXXX XXXX , nothing had shown up. I called SoFi for the second time, and was told it would be done one week later, by XXXX XXXX . By XXXX XXXX , nothing had shown up. I called Sofi for the third time, and was told that it would be taken care of during the month of XXXX . Every time I call, I 'm given a new date, but my account is never credited.
10/11/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with rewards from credit card	NJ 07601	Web
SoFi advertised 3 % cash back for SoFi XXXX members with direct deposit on their app. I applied by tapping on the promotion. I am qualified for the promotion according to the Terms and Condition of the promotion. ( Got and used the card before XX/XX/XXXX, have multiple direct deposits from my employer ) After a few transactions I notice it's showing 2 % cash back. I reached out to the SoFi credit card phone support, they didn't give me an answer. They said they will open a ticket. I already called them 3 times in a months for followup regarding the ticket they opened. They didn't give me any answers. It's been a month, it's still showing 2 % cash back. This is false advertisement and it should be illegal.
10/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 770XX	Web
SoFi lending is reporting an account on my credit report that I do not owe. In 2017, SoFi sued me claiming I owed this debt, but I do not and the case was dismissed. Despite this, SoFi continues to unlawfully pursue collection of this debt. I have repeatedly disputed this account with all three credit bureaus and I have written to SoFi directly to dispute the debt. However, SoFi continues to verify the debt with the credit bureaus and provide inaccurate account information. I am requesting that SoFi immediately remove this account from my credit report with all three bureaus, including, but not limited to XXXX, XXXX, and XXXX. I am further requesting that SoFi discontinue all unlawful collection activity.
04/15/2022	Yes	Student loan Private student loan	Getting a loan Denied loan	NY 109XX	Web
Social Finance ( SoFi ) has been soliciting me to refinance my student loan for over 2 years. They presumably know from their soft credit pull that my debt sits with XXXX XXXX Bank. I submitted an application, and was told that SoFi does not refinance student loans from XXXX XXXX, even though I provided them with my loan note proving it is a Qualified Education Loan, as well as the 1098-E statement from 2021, further evidence that this loan is subject to 26 U.S. Code 221. I have requested a review of the file, but received no further information from SoFi regarding the rationale or justification for not being capable of refinancing this debt. Thank you for your assistance in escalating appropriately.
12/23/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91709	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
04/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30305	Web	Servicemember
As of this writing I have been dealing with the underlying company Sofi Lending Corp since XXXX..I have contacted this company in reference to this account which was open XX/XX/XXXX, XXXXThis account was blocked back In XXXX due to FTC identity theft report and local police report in my state..However, as of XX/XX/XXXX it has been reinserted back on my credit file after nearly 5 years later..I contacted the three major credit reporting agencies XXXX, XXXX, and XXXX and was told this company Sofi has reinserted there company name on my credit file as of XXXX XXXX..I have sent theft report back in XXXX when I first discovered this company name on my credit file in the amount of XXXX, XXXX
05/20/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NJ 077XX	Web
Hi, I opened an account with SoFi recently, and had money moved into the account both checking and savings. When I tried to move money to another external account on XX/XX/2022, and on XX/XX/2022, they froze my account and told me to call the fraud department. I finally got them on the phone and they asked me very personal questions, were rude, and said they would write a report. They would not tell me when my account would be unfrozen, despite me expressing how concerned I was as I may need that money soon! I have called many times and left 2 messages over the past two days. No one is picking up or returning my call. I am extremely upset and have never had this happen at another bank.
04/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NM 87110	Web
I'm a victim of identity theft. Someone opened multiple accounts and loans at SoFi Lending Corp AKA SoFi XXXX XXXX I have sent certified letter to SoFi Fraud department and a follow-up certified letter to fraud department and SoFi contiues to furnish this fraudlent account or accounts and fraudulent loan or loans information to Credit rating agencies. I also sent SoFi their fraud packet back with notarized statement on the identity theft report that SoFi supplied. I have called SoFi main phone number numerous times prior to and after sending the certified letters, and I have left multiple voicemail messages on the fraud number provided to me by SoFi and I keep getting the run around.
01/03/2022	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Problem adding money	UT 84118	Web
I received an email promotion on XX/XX/21 stating if I opened an account I would receive {$20.00}. I never received this bonus and today I was told I had to add {$10.00} but nowhere in the promotion does it say that. It has been more than 10 bus9ness days. I was also supposed to get {$10.00} for credit monitoring which I never received, and {$50.00} for a referral bonus. You confirmed the referral was done successfully, but I only received 500 points which equals {$5.00} not {$50.00}. I am missing 4500 points for this referral. I have chatted three times with zero resolution. This is a classic bait and switch and I would like the funds totaling {$80.00} added to my account immediately.
10/08/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 92101	Web
During the baseball playoffs I came to see an advertisement from XXXX. At the beginning of the broadcast the main message was get a personal loan from us and be on your way out of debt. Now at XXXX pacific time its just a student loans. They are misleading, and are only available to the privilege ones. I was turned down by them but I was re-directed to a different company, I fallowed and after that I was sent to a different company ( recommended ) and from there was link to a different company, in short, I was not able to get anything/ anywhere, yet my credit score dropped cause of all their suggestions. Time to make things clear, separate the people ... look forward to hear from you
01/17/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	WA 98028	Web
SoFi indulges in false advertising to get people to sign up for personal loans In my case, I was promised a {$10.00} incentive for checking the loan rate. But the company didnt send any incentive after even applying for the loan. The customer support doesnt know how to handle this and gives me the runaround. In addition the company promised a {$350.00} promotional bonus on getting a new loan. But when I applied for the loan the company said that the promotion was only for {$300.00} on my application even though the link I applied through clearly indicated that the promotion bonus was {$350.00}. These are two examples of how company indulges in false promotions to lure borrowers.
04/24/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 90292	Web
Due to the negligence and error on the companies part in whole my credit was hit and points reduced ( again ) along with them giving me false and inadequate answers as to what the issue may have been and while I do what they asked to adjust and reapply they again change their points, misrepresent the issue and force me to reapply to hit my credit again. This is latent negligence and mishandling. I did everything in my part to help but they decided unprofessional was their best approach to get me off the phone. Their not the first nor the last company handling things as such. Still awaiting responses from their executive level as was promised to resolve the issue. We will see.
02/07/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	NY 119XX	Web
I applied for a loan XX/XX/XXXX and was denied XX/XX/XXXX due to my immigration status and with complete disregard to my credit earthiness and ability to meet Sofi 's other criteria for loan approval. XX/XX/XXXX - I called ( recorded the call ) and was told I should not even think of reapplying because I would not be considered for a loan if my immigrations status was the same. XX/XX/XXXX - I mailed a certified letter to Sofi regarding being discriminated against and have not heard back. Denying an individual the right to contract for a loan simply because they are not us citizens or residents is discriminatory under federal law and violates the civil rights act of 1866.
09/30/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 85282	Web
On XX/XX/2020 I submitted a request to have my Private Mortgage Insurance removed having just paid the principle down to 78 % XXXX. One of the conditions of cancelling PMI is to provide evidence that there are no secondary liens and evidence that the property value has not declined. I have asked numerous times for XXXX to tell me what the evidence is I need to provide to have my PMI cancelled. Nobody is able to answer my questions and I am unable to get PMI cancelled without this information. They are effectively denying my cancellation request and violating XXXX in the process. I am asking for intervention to make them tell me the proper evidence needed to remove PMI.
06/23/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NY 11364	Web
I opened a new SoFi checking and savings account on XX/XX/2022, transferred {$5000.00} into the account from another bank, and set up the account to receive direct deposits. The next day, they froze my account without giving any reason, locking both the {$5000.00} I deposited and giving me no access or record of the direct deposit funds that also should have been sent to the new checking account I have tried calling their customer service fraud prevention line several times as well as reaching out to them through their XXXX account direct messages. They have been completely unresponsive providing me with no avenues to get information on the issue or resolve the problem.
02/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with rewards from credit card	NY 11743	Web	Older American
On approximately XX/XX/2021 I applied and was approved for a credit card with SoFi, through an online advertisement on the XXXX XXXX website offering a {$200.00} welcome bonus in the event of {$1000.00} spending on the card. I completed the application through the link on the website. I satisfied the {$1000.00} spend within 2 weeks after I got the card. My welcome bonus has never been received. When I contacted customer service they said they were submitting it to the " back office ''. When I contacted the " CEO office '', they said that they could not issue the bonus because their system did not show that I had made the application through the XXXX XXXX link.
01/15/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	MA 01020	Web
Sofi sent me an email stating that if I opened a personal loan, they would give me {$590.00} bonus. I opened a loan for {$10000.00} but I never received the bonus. I reached out to Sofi regarding this, and it was suggested I file out a XXXX. I did this and then submitted an email to customer service informing them. I still have not received the bonus. Well, I appreciated the loan I could have received a cheaper rate at my credit union. I was also told that I could get a lower rate if i sign up for direct deposit. When i tried to do this my company portal said that the routing number is active, but no bank is linked to it. This brings up allot of red flags for me.
02/19/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WY 824XX	Web
XXXX XXXX has the most incompetent customer service I have ever experienced with a financial services institution. I have made in excess of 15 phone calls, sent 3 emails, and used their live chat twice over the course of two weeks trying to get a straightforward answer regarding the process to get an insurance claim check to which they are a co-payee endorsed and returned to me. I have yet to receive any useful response. I am ashamed to be a customer of theirs and will quickly be looking to refinance away from them. They clearly employ unqualified and untrained customer service people in this department that are incapable of performing basic servicing requests.
06/26/2022	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	TX 77478	Web	Older American
I opened a checking/savings account with XXXXXXXX XXXX XXXX XX/XX/XXXX. At time they stated that if I made direct deposits totaling {$5000.00} by XX/XX/XXXX I would receive a {$300.00} bonus. There were direct deposits from my employer on XX/XX/XXXX and XX/XX/XXXX totaling {$5000.00}. After contacting them they told me that the rules had changed. I had received a bonus in XXXX of XXXX. But on XX/XX/XXXX there was no mention that you cant receive a new bonus if you received a prior bonus. The new rules after XX/XX/XXXX was no second bonus. I called three times and got the same message. I asked a manager to contact me and they never did after promising to do so.
01/21/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 94565	Web
Hi Consumer Financial Protection Bureau ( CFPB ). My SoFi Money account has been frozen since XX/XX/XXXX. Today is XX/XX/XXXX. IT HAS BEEN OVER 90 DAYS, AND MY SOFI MONEY ACCOUNT IS STILL FROZEN. My account balance as of XX/XX/XXXX is {$4400.00}. Numerous calls have been made to SoFi, but no one is able to help me. My account is still frozen. It should NOT take this long to resolve any issue if there is any issue with my account in the first place. I want my SoFi Money account unfrozen and to have access to my money immediately. Feel free to contact me if you need my name, account number, or any other information. Please help me resolve this issue. Thank you.
02/24/2022	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	PA 19426	Web
Despite numerous phone calls SoFi Technologies , Inc. " SoFi '' instructing them to apply extra payments to the principal balance ONLY, while paying my monthly payment, SoFi refuses to apply the extra loan payments to the principal balance. The payments are applied in different manners, some towards principal, some towards interest. One extra paym ent was applied towards principal ; then another just towards interest. No rhyme or reason on how the extra payments are applied. Who in their right mind would pre-pay interest? We called multiple times and are told someone will call us back and they never do. Predatory and deceptive leading practices.
10/09/2017	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Problem lowering your monthly payments	IL 60137	Web
The CFPB has taken action against numerous banks and debt collection companies for collectors using the talkoff that making a past due payment will improve the debtor 's credit score when, as the Bureau alleges, banks and debt collectors do not know what drives the score and therefore it is a deceptive practice to use credit scores in the talkoff. Today, XX/X/2017, SoFi advertised student loan refinancing options by stating that those who refinance saw their scores improve by 17 points. How is that not also deceptive? If banks can not use it for debtors who contractually owe them money, then SoFi should not be allowed to deceive consumers either!
04/22/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	RI 02914	Web
Sofi send response you have check my id intelegence check Id was occurred because lost my residence and driver license I need proof this investigation because my name is already change never opened account with your company never received validation of proof this debt under doctrine I lf you have. proof selfi send me proof this picture and driver license yor scam because not s correctly I dont accept this result trying several time contact us and dont received your proof nothing you have my information because lost everything is match in otherwise account yo say is opened fraudulent ready close for XXXX XXXX XXXX Need proof all your investigation
07/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33460	Web	Servicemember
My name is XXXX XXXX, I've summited a couple of disputes through XXXX and XXXX 's web site with no positives results, 4 years ago I entered a program with XXXX XXXX XXXX to pay off some creditors seems it help pay off my debt but there's one creditor that's not reported correctly to the credit bureau stating the loan was never paid or a lost account I've found out that the account was sold to a 2nd party and the settlement agreement was paid to them even though I have uploaded my settlement agreement letter and also another letter stating the account was paid and settle there is no changes made on my credit report with this creditor Sofi,
04/05/2022	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	OH 44109	Web	Servicemember
On XX/XX/2022, I received an email stating that I had opened a Checkings and savings account with SoFi bank. Then i started receiving emails that i was making transfers from this account to someone named XXXX XXXX XXXX. I also received an email stating that I had just recently updated my profile information with a new contact number. I immediately called the bank, let them know that this was not me, and they restricted the account. They gave me a number to a fraud investigation team but every time I call, they are always with other customers. I pulled up all three of the major credit reporting agencies and found inquiries from this bank.
11/10/2017	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	NY 14850	Web
I am currently in XXXX school and have had a lot of trouble dealing with my servicing company ( Sofi/XXXX ) regarding the details of my deferment. I called them multiple times over the summer to go through the approval process and no one at any point in time told me that I would have to reapply every three months. My account was just auto-debited the full monthly payment. I 'm currently on the phone with them now disputing this charge. They are an awful company that has seemingly purposefully withheld information about how my in school deferment would work. I was also not told that I would have to make interest payments while in school.
04/20/2022	Yes	Money transfer, virtual currency, or money service Debt settlement	Unexpected or other fees	CA 94601	Web
I was charged over {$900.00} for multiple fees that I believe were made up by the company as every account I transferred money from had money in them at the time of transfer and I was charged for the same transaction of a {$300.00} transfer which was a mistake by me and/or the application being used. I should not have been charged over {$900.00} in fees! Please help me get my money back. SoFi demanded for me to pay over {$900.00} and it was taken out of accounts that did not have the funds by them! I was told that they took it out when the initial account used for the transfer was empty. Now my XXXX account is negative over {$300.00}.
12/30/2019	Yes	Student loan Private student loan	Getting a loan Confusing or misleading advertising	NJ 077XX	Web
Sofi offered my husband and I a student loan refi the week of XX/XX/19 after all paperwork was completed at an APR that we verbally accepted, but it was not honored due to an employee error. We spent countless hours with them on the phone and they called us over and over again offering a much higher rate as the internal communication within the company is non existent. They wasted hours of our time over the holiday season. Sofi was completely disorganized, inefficient and cost us thousands of dollars due to their mistake. We are current customers and will be closing all accounts with this company as they do not treat consumers fairly.
06/03/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	VA 245XX	Web	Older American
Received a mail offer from SoFi of up to {$98000.00} to consolidate debt. I was preselected to receive up to that amount and maybe more. I applied for less than that amount and was denied. My credit score was over XXXX. When I contacted them they only checked to see that I was supposed to receive the offer. They also told me I would have to apply with one of their other companies at higher rates ( bate and switch ). Then on top of that I later received the same type of offer for up to {$93000.00}. I am including the offers and looking at the offers I feel they are false advertising and have udaap problems with this type of offer.
11/19/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX 750XX	Web	Older American
My debit card number was compromised and on XX/XX/XXXX and XXXX I had XXXX debit withdrawals from XXXX that totaled {$3500.00}. That pretty much drained my bank account. I called Sofi and they filed the fraud complaint but they told me it could be up to 90 days before I can receive my money back. This was obviously fraud and I think it should have been caught after a few debits but it wasn't. I called the Member Security Office but they don't answer the phone so I left messages and no one has called me back. I asked for a provisional credit but it has not happened. I am XXXX XXXX XXXX and it is very difficult not having my money.
01/11/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NV 89102	Web
I requested and was approved for a loan with SoFi. The terms of the loan required that I also open a checking account and MUST have direct deposit into that account as well as make my monthly payments from that checking account. Sofi then decided to block the checking account and restrict access to the account. They refuse to speak to me and only have a voicemail to leave a message. I was told that if I dont make a payment from the checking account that I will now have to pay a higher interest rate but I can not pay from a restricted account. The representative told me I have to email sofi.org even though the website is sofi.com
06/25/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	MD 210XX	Web
I applied for the SoFi credit card in XXXX of 2022 with a promotional offer of spend {$1500.00} and get XXXX points. I completed the minimum spend requirements before the month of XXXX was over and never received my bonus points. Now, when I called in to fix the issue they are telling me I also have to fund my investment account and checking account with them ( basically, describing a different offer than what I signed up with ). They told me over and over again that the algorithm would give me the points when I completed the requirements. I continued to let them know I completed the requirements and did not receive the points.
07/16/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MO 639XX	Web
From XXXX XXXX Sofi froze my account because someone DEPOSITED money in their name in my account. They said it is Fraud when it comes from my Employer who wants me to do payroll. But it is Legal to DEPOSIT MONEY IN someone else 's name into your account. I have been constantly sending emails and voicemails to them. They have refused to ANSWER ME. After the phone call from the so CALLED security member. They have my tax money as well. Which I worked for last year. The money is mine and they lied saying that they were sending the money to me and closing the Account. I have Investments going on and they won't let me do anything.
03/04/2022	Yes	Student loan Private student loan	Dealing with your lender or servicer Problem with customer service	MA 010XX	Web
Refinanced a student loan with XXXX for around {$55000.00} and followed the terms and conditions of a promotional offer exactly to receive a {$200.00} promotion ( Tiered Welcome Bonus Promotion ). XXXX is claiming that I am not due the bonus due to terms that do not exist. Before I applied for the loan, I received verbal confirmation as well from a phone representative that I would indeed qualify for this bonus and I applied for the loan using the targeted link directly from the bonus. I've contacted the company, and their response is in direct contradiction to their advertised language for refinancing student loans.
05/04/2022	Yes	Checking or savings account Checking account	Problem caused by your funds being low Late or other fees	NJ 08854	Web
please refer to my previous complaint number XXXX and the blatant LIES by Sofi in their response. I have also attached emails proving that i reported this a s fraud as well as well as email directly to the president of sofi. On XX/XX/XXXX i had an a conversation with sofi and i eventually spoke with XXXX XXXX, an account manager in their delaware office, who assured me a fraud investigation was being opened. He would not give his last name. I have also attached a partial list of my phone calls to sofi in te file marked sofi proofs. Would anyone believe that i spent HOURS on the phone with sofi and NOT reported fraud?
01/23/2022	Yes	Student loan Private student loan	Getting a loan Confusing or misleading advertising	CA 95833	Web
In late mid XXXX, I receive mail from SoFi encouraging me to refinance my federal student loans with then for their low rates. Their message highlights that the federal forbearance ends at the end of XXXX which adds pressure to the message. That statement was factually incorrect as the forbearance was extended to XXXX as SoFi would most certainly know. As such anyone who refinanced with them would be paying a higher interest rate because federal loans are currently at 0 %. This is irresponsible and predatory marketing that should have been pulled from the mail house as soon as the forbearance extension was announced.
11/03/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 750XX	Web
I enlisted XXXX to assist me with credit card relief/negotiations. One organization they are helping me with is SoFi. I have two loans through them. On XX/XX/21 I sent Sofi two certified letters requesting they cease communication with me save for the US postal service. The letters also instructed them that I am working with XXXX to settle the debts. Starting on XX/XX/21 XXXX has called me 3 times a day, 6 days a week, at approximately XXXX, XXXX, and XXXX. These calls still ongoing as I write this complaint on XX/XX/21. This, to date, is XXXX phone calls just to me in addition to at least 7 calls to my wife.
04/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 23321	Web	Servicemember
I have written five dispute letters to each reporting credit accompany. It is the same results every time. I received results on XX/XX/XXXX, 2022, same results from previous results. I do not believe investigations are being done just receiving data ffrom database system and stating the information is correct. It is identify theft, as XXXX XXXX service member I was XXXX. During XXXX, I had to leave a copy of my ID , drive license, and Social Security, power of attorney to the person who it taking care of my children so my children could go the doctor and stuff. I want a thorough investigation. That is my right.
02/01/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	IL 60657	Web
I opened a personal loan with SoFi on XX/XX/XXXX and had it funded on XX/XX/XXXX. I opened the loan after receiving an offer from SoFi for a {$350.00} bonus for opening a personal loan. I contacted SoFi on XX/XX/XXXX to inquire about the bonus and they stated that they can not issue the bonus due to the loan being paid off early. After reviewing the terms and conditions of the promotion, there is nothing that discusses being ineligible for the bonus for paying off the loan early. I would not have paid off the loan early had I known SoFi wouldn't pay the bonus, nor would I have opened the loan without the bonus.
01/03/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	IL XXXXX	Web
This company advertises a comprehensive credit review for the loan process, including educational level attained. But what they really do is rely on the 3 main credit bureaus to generate a score. And then they make a decision based on this score of XXXX minimum. No where in the application process did I see this. If I did, I wouldn't have bothered applying. Im the victim of ID theft, so it is hard to unfreeze my scores from the 3 bureaus just to have my credit checked. And also, because of the ID theft my score isn't very high. I have to close fraud credit lines, remove them from my record. It hurts your score.
04/18/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 19128	Web
My mortgage has fallen below 78 % XXXX and SoFi continues to take mortgage insurance payments. XX/XX/XXXX : I emailed SoFi requesting that my XXXX be canceled since the XXXX had fallen below 80 %. XX/XX/XXXX : I received an email from SoFi outlining that I would need to receive an appraisal to remove the PMI, however, the company indicated the XXXX would automatically be dropped on XX/XX/XXXX as the mortgage would fall below 78 % XXXX. XX/XX/XXXX : I emailed SoFi requesting that my XXXX be canceled since the mortgage had fallen below 78 % XXXX. XX/XX/XXXX : SoFi disbursed a mortgage insurance payment.
01/16/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 91007	Web
on thursday XX/XX/22 i received a phone call from XXXX of sofi bank. he told me that because my check had bounced and that i had previously tried to deposit other checks that was " suspicious '' and they were going to close my account. i was ok with that as i never used my sofi account to begin with. However i have {$500.00} frozen in there that i can not use. and he told me over the phone on thursday that on friday ( XX/XX/22 ) he would transfer the funds over to my XXXX account on file. He has not done that yet, my account is still frozen, and he has not returned my calls despite me leaving voicemails.
02/13/2021	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	WA 98604	Web
I tried to withdraw funds from my Sofi account through XXXXXXXX XXXX Sofi is partnered with XXXX to provide banking services. I scheduled a transfer for {$300.00} and it was withdrawn on XX/XX/XXXX. The transfer did not complete successfully and the funds are stuck in limbo somewhere. The funds have been missing for an entire month. The trace number for this transaction is XXXX. XXXX XXXX told me they are helpless to do anything and I would have to file a dispute through Sofi. I tried to do so and was told by Sofi that they do not have this capability. I have no recourse and no way to recover my funds.
03/12/2019	Yes	Student loan Private student loan	Dealing with your lender or servicer Problem with customer service	RI 029XX	Web
I co-signed my wife 's student loan re-finance with SoFi in XXXX of 2018. At the time, we were informed that after 12 months of payments, I could be released from the loan. However, today I was informed by a SoFi employee that SoFi doesn't offer co-signer release. We were completely misled by SoFi. This is directly from the SoFi website : Though it never hurts you to keep a co-signer, you can offer releasethe official terminology for removing that person. Maybe your co-signer was happy to help you get approved, but after a certain amount of time wants out due to stress or even just a change of mind.
05/13/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	KY 40223	Web
On XX/XX/2022, I received an email notice stating a bonus of {$590.00} will be received when a personal loan of {$5000.00} or more is taken out. I applied on XX/XX/2022 and was subsequently approved on XX/XX/2022 for the {$5000.00} personal loan. On XX/XX/2022, a chat ticket was opened to confirm the {$590.00} would be paid out as described in the email marketing. On XX/XX/2022, a message was sent saying the bonus would not be paid as SoFi has determined I was not eligible. The instructions were followed and the loan was funded, yet I was somehow not eligible des pite receiving the marketing email.
10/06/2018	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	CA 93722	Web
I was promised a {$200.00} bonus for opening my 'Sofi Money ' deposit account. I joined a waiting list and awhile later I was sent an email telling me my account was opened. At that time, I went to the companies website and read their FAQ which indicated the bonus was still active for new accounts. I followed the terms in their FAQ ( depositing {$500.00} ) and after not receiving the bonus, emailed the company. They told me the bonus was discontinued and have refused to pay it. They have now removed this from their FAQ but it was there at the time my account was opened and when I made my deposit.
06/19/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 75074	Web
they pre approved me for a loan between XXXX and XXXX . After I sent in my paystubs they cut the loan back to XXXX when I had requested XXXX and had been pre approved for it. The income I stated on the application is the same info that matches my paystubs. Now I have an inquiry on my credit for something I do n't want. I agreed to the credit pull for a loan of XXXX not XXXX . No one has explained to me why the loan was cut back so far or for what reason. Now I am also left with an inquiry on my credit for a loan that 's not enough to refi my debts. This is a total bait and switch scam.
01/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80550	Web
On XX/XX/XXXX, I applied for a line of credit with SOFI. I was denied based on an XXXX report that showed i had a credit score of XXXX and that there was an open collection on my account. I have been tracking my credit score and report for over the past year and I do not have an open collection and my score is over 730. I have tried contacting XXXX to resolve but can not get connected to a person. The phone system keeps me inside a loop no matter what extension I press. I have included a 3 in 1 report i pulled today XX/XX/19 it clearly shows no collections and a credit score above XXXX
10/01/2016	Yes	Student loan Non-federal student loan	Getting a loan Qualify for a better loan than offered	PA 193XX	Web
SoFi is advertising that the average consumer saved over {$17000.00}. This is predicated on optimal terms and the fact that a variable rate loan does not adjust. First of all, the optimal customer is not the average customer. More importantly, that statistical probability that a variable rate loan will not adjust during its life is nearly null. I would like to know, quantitatively, how many loans SoFi has issued that meet the advertised criteria ; delineated between fixed rate and variable rate. This is yet another example of how this company appears to be engaging in deceptive marketing.
05/30/2022	Yes	Checking or savings account Checking account	Managing an account Fee problem	CA 94112	Web
I have a USD account with SoFi, that comes with a MasterCard branded debit card. The account comes with no foreign currency transaction fees. On XX/XX/2022, and XX/XX/2022, I completed 2 ATM withdrawals in XXXX currency. XXXX to USD rate, for Mastercard transactions, for those days, is XXXX. This is directly from the Mastercard website. Even though I am supposed to get no foreign currency transaction fees on my account, SoFi marked up the Mastercard rate and process the transactions at XXXX exchange rate. I would consider a rate markup, by SoFi, a foreign currency transaction fee.
03/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91362	Web
I applied for a personal loan through SoFXXXX on XX/XX/XXXX. I was denied despite having a high credit score and providing income documentation. I called SoFi and the customer service representativesaid to submit additionaldocumentation. She said my credit wouldn't be checked again. I submitted additionaldocumentation. SoFi then checked my credit again on XX/XX/XXXX resulting in another hard inquiry on my credit report. I called the company to complain in XX/XX/XXXX and SoFi said it would remove the second inquiry. As of XX/XX/XXXX, SoFi has not removed the second hard inquiry.
04/17/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	WI 53132	Web	Older American, Servicemember
This company outright lies. A previous complaint was filed. The complaint number is XXXX. In their response they stated they could not send paper statements because we moved and they could not contact us. That is a lie. We have not moved since the inception of this loan. They promised to send us a statement, we won't hold our breath. I will be filing another and another and another complaint when we don't receive the statement. This company illegally gave us this loan. They don't have a license to practice in the State of Wisconsin. I so feel we legally don't have to repay this loan!
02/02/2016	Yes	Student loan Non-federal student loan	Getting a loan Qualify for a better loan than offered	PA 193XX	Web
I applied for a refinance with SoFi and I was offered much worse terms than they advertise. I have approximately an XXXX FICO score with over 12 years of stellar credit ( deep credit ), I make over XXXX, I have no debt except for a car loan and the student loans ( not even a mortgage ) ; and SoFi quoted me at 4.99 % as the best possible fixed rate. The company has been advertising 3.5 % interest rates all over ( competing with other student loan refinance companies ) ; if I am not being offered the best rate, I believe that there may be some fraud going on with marketing the rates.
03/23/2021	Yes	Checking or savings account Checking account	Closing an account Can't close your account	OH 44107	Web
I used to have a checking account through Social Finance ( SoFi ) but switched to a different bank. I asked to have the account and all services associated with the account closed and removed from all communication lists, but I am continually receiving emails from them with credit monitoring reports, information about my " SoFi Invest '' account, etc. I have contacted them at least 3 times, asking each time for them to close ALL accounts on file and to stop contacting me, but I am still receiving these sorts of emails, which leads me to believe my accounts are not actually closed.
12/30/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 28270	Web
During the refinance Process with Sofi from XXXX XXXX of XX/XX/2020, my property taxes were paid out to my government from XXXX XXXX. Sofi is now carrying a very high escrow balance that is not needed, and I need to be refunded that amount. I spoke with a customer rep for Sofi in XX/XX/2020, and she stated that I would be refunded the excess amount after my XX/XX/2020 payment was made and the escrow balance was reassessed. That did not happen. ON XX/XX/2020 I contacted Sofi again, and get getting hung up or dropped from the call, and no one could help me rectify the situation.
07/11/2022	Yes	Checking or savings account Checking account	Managing an account Banking errors	AR 72762	Web	Servicemember
SoFi locked my checking account stating that I " violated their terms of service. '' The only transactions that have taken place in that account are direct deposits from my workplace, a deposit of a check from a business, and other miscellaneous transactions such as transferring money to another checking account of which I am an account holder. SoFi and its representatives failed to state what portion of the terms of service they allege that I violated. None of my checks were rejected, frozen, or returned. All of my checks were successfully processed upon the first attempt.
05/18/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	TX 77346	Web	Servicemember
Sofi sent me a credit card I did not apply for. I tried to contact the company but they have no fraud department. There customer service number said they can help if its about a charge, but not on a card? Tried to dispute with credit bureau but the said we showed you applied for it and its yours, however they will suspend the card. I have a credit card and a hard inquiry on my perfect credit and I am buying a new house and this effected my Percentage amount on my loan. I volunteered to do a police report or affidavit and they said it wont matter, its staying on your credit?
06/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89130	Web
Last year I discovered a false account with SFLNDCORP reporting on my file because of identity theft. I contacted the bank and the credit bureaus about it and they told me to file a dispute. I submitted the dispute and SFLNDCORP conducted an investigation. The issue was solved and SFLNDCORP stopped reporting the account. I was notified by XXXX and XXXX that the account was no longer being reported and my report was updated. XXXX, however still has not updated my report. I contacted them several times without an answer. Please help me resolve this issue as soon as possible.
06/21/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CA 92692	Web
I have attempted for 6 months for the company to issue me a refund of my overpaid interest after paying off the loan in full. They indicate that they sent it to my bank account but no such funds have ever been received. I have called numerous times asking for the money to be sent to me via a check and no one has been successful in completing this simple task. I have filed a complaint before as they did not post my payoff timely as I was given a bad address to send in the money. I just need the refunds due to me processed and someone to take ownership of this problem.
01/18/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	NV 89102	Web
Received an email notification on XX/XX/22 that my SoFi Money ( Checking ) account has been restricted. I have called 39 times and left voicemails on their designated fraud security hotline as well as email ALL departments and tag in social media to get attention. No one from SoFi has returned my call or provided any explanation why my account is restricted and not currently under review. My directed deposit from my employer was rejected and returned causing delays as well as attempts to withdrawal the remaining available balance to make a payment to my SoFi loan.
07/08/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30008	Web
On XX/XX/XXXX, I sent a letter to XXXX to dispute an account no longer owned by the company who is reporting the account incorrectly. The company XXXX XXXX no longer has the account and I have proof that the account has been sold to another company and I am in contact with that company to verify the debt. Both XXXX and XXXX have deleted this collection since it wasn't verifiable but XXXX has continued to show the date as " UPDATED '' and " VERIFIED. I have disputed, requested their method of verification and XXXX continues to report this account as verified.
06/21/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with rewards from credit card	DE 198XX	Web
On XX/XX/22 at approximately XXXXXXXX XXXX EST I applied for a Sofi credit card under the promotion of spend {$1500.00} and earn {$200.00} in Sofi points value. At XXXX XXXX EST I was approved for the card. The {$1500.00} in spend was completed by XX/XX/22. As of XX/XX/22 the {$200.00} in points have not been credited despite meeting the terms and contacting Sofi multiple times via myriad channels. Contacted the company via phone call on XX/XX/XXXX. Via chat on XX/XX/XXXX. Via chat and phone on call on XX/XX/XXXX. Has been no resolution of the issue.
04/12/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	PA 19143	Web
I filed the dispute on XX/XX/XXXX with SoFi credit card of {$30.00} purchase. I was told by XXXX XXXX ( Dispute Operations ) I need to submit some of the documents. I sent her fax, emailed her twice, called her more than 20 times and left her voice messages. She never replied. She sent me a letter on XX/XX/XXXX and said she didn't hear back from me, so she closed the dispute investigation. XXXX XXXX Phone number : XXXX extention XXXX. email : XXXX Fax : XXXX Then I called SoFi customer service many times, but no one could help with the {$30.00} dispute.
07/13/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Filed for bankruptcy	MI 48125	Web
I filed for XXXX XXXX XXXX protection and I was approved for discharge of my debts. One company SoFi XXXX XXXX has continued to send harassing letters threatening to send me to collection if I don't pay them but they were included in my discharge. I have sent this information to my bankruptcy attorney who has told SoFi to cease contacting me and they have not. Today XX/XX/XXXX I received another letter demanding over {$1000.00} but my bankruptcy was approved on XX/XX/2022. SoFi is ignoring consumer protection programs and is a constant stress on my mind.
05/05/2021	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	TX 76262	Web
My debit card got stolen from my car and somebody went on a shopping spree after they hacked my PIN #. I called SoFi immediately after this and had my cards frozen / replaced. Even after multiple calls, a police report and evidence that I was not the person who made fraudulent purchases with my SoFi debit card, SoFi told me they think Im lying and refuse to reimburse me for the money I should be insured with under their banking name. Its obvious what happened, SoFi just doesnt want to give me my money that I worked hard to earn and had STOLEN fro me!
04/27/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	PA 18951	Web	Servicemember
Please stop this company from harass my for a debt I do not owe this company said I owe a debt when I was deployed from XXXX of XXXX to XX/XX/XXXX I am a victim of identity theft when I accrued I inserted and extending fraud alert to contact my before and new accounts was opened in my name and this company file to do so. I understand that mistakes happen all the time that's why I asked for a investigation the company then reinserted the account on my credit report so now I'm making a compliant because I need help resolving this issue with this company
07/12/2022	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	NC 27103	Web
Opened account on XX/XX/XXXX with a promotional bonus of up to {$300.00} if qualifying direct deposit of {$5000.00} was completed within 30 days. I completed the threshold on XX/XX/XXXX. Terms mention it would pay out after 14 days of evaluation was completed and it has not paid out. This morning XX/XX/XXXX i reached out to support and was told that i did not qualify due to a previous account direct deposit bonus. Nowhere in the terms does it say i would ineligible for this new account bonus but the representative assured me that i was not eligible.
09/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DE 19802	Web
As of XX/XX/2019 So Fi Lending has reported that I have an open account and that I owe {$41000.00} and this has been included in my bankruptcy and has not been showing up since my bankruptcy. Now all of sudden it shows up and lowers my credit score after 2 years. When I contacted the company they gave me another company 's name of XXXX and said that they purchased it just to hold on to the account, which doesn't make sense after a discharge. But still SoFi couldn't tell me why this is showing as an open account and that I am behind on my payments.
05/13/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OK 740XX	Web
Ever since XX/XX/XXXX I've probably called XXXX XXXX at least XXXX times XXXX, is the number that I've been told to call and talk to about my account that is temporarily frozen, and it always goes to voicemail, and I've left dozens upon dozens of voicemails and never received a call back my money account currently holds a balance of {$99.00} I've even had customer service escalate a detailed complaint to the Department to try to get some response and to email me or leave a voicemail if not answered none of which of those things have happened.
10/06/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	FL 33713	Web
I refinanced an FHA mortgage into a conventional mortgage in order to get rid of mortgage insurance payments. My lender is Sofi. When I contacted the lender, I was promised an interest rate of 4.375 %. I signed a rate lock document that guarantees that rate for 40 days. However, in the closing documents the rate was stated as 4.5 %. In the rush to sign all the closing documents I overlooked that and signed the papers. Do I have any recourse? Date rate lock Expires : XXXX XXXX, XXXX : Date closing documents were signed : XXXX XXXX, XXXX.
04/05/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 780XX	Web
Gave an offer of 5 % which was started a few weeks ago and finished up recently. Prior to applying, they did not advise It had expired nor updated the rate online in the application. Once I sent income verification, they counter offered to a rate that was nearly double the original offer. I was told that It didnt have anything to do with my credit or income, only the fact that the offer had expired. I wouldnt have applied if they had mentioned the new rate and they refuse to honor the original terms. This is clearly a bait and switch tactic.
10/02/2019	Yes	Checking or savings account Checking account	Closing an account Can't close your account	TX 75230	Web
I previously opened an installment loan with Sofi ; that was paid off. Sofi then proceeded to add an investment and checking account to my profile.I did not ask for these accounts. As a result, my tax filings are much more complicated. My accountant is charging me a higher amount of money to complete filings. I need Sofi to close these accounts and reimburse me for the extra costs I have incurred for accounts I did NOT authorize to be opened. CLOSE my accounts. I am DONE with my business with you and I was DONE when I paid off my loan!
07/27/2020	Yes	Checking or savings account Other banking product or service	Opening an account Didn't receive terms that were advertised	NJ 07205	Web
Hello team consumer financial government, I yesterday register company Sofi money https : //www.sofi.com/ for open checking account, after verify my identity documents us passport too more documents, they force upload photo of driver license card, without it, they said unable approved account in application company, I request letter by Admin/CEO, refused to allow an option, it's totally abuse, I believe that too against law, force only provide driver license card, of course it's no legal, I don't get any solution for reslove the problem.
11/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CO 80237	Web	Servicemember
On XX/XX/2021, I received an inquiry from XXXX that I had a new inquiry on my report and subsequently later a new account was added to my report. The inquiry and account was from " XXXX XXXX XXXX XXXX' which I had never heard of at the time. So I called them and explained everything and agreed this seemed like some type of identity theft, and that they would remove the account. At this point it seems that they have indeed removed the account, however I'm still seeing " XXXX CXXXX XXXX XXXX as a hard inquiry on my XXXX credit file.
04/26/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NV XXXXX	Web
I have contacted Sofi asking them to send me information before they release my money to dispute the debt with the State of New Jersey and they never sent anything. New Jersey does not have jurisdiction over my income or money and they can't provide me any written documentation on how they have jurisdiction over my money in Nevada. My ex wife and kids live in Georgia. No one lives in New Jersey and I have documentation from page 10 of their handbook that states at least one person needs to live in that state and no one resides there.
11/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CO 80237	Web	Servicemember
On XX/XX/2021, I received an inquiry from XXXX that I had a new inquiry on my report and subsequently later a new account was added to my report. The inquiry and account was from " XXXX XXXX XXXX '' which I had never heard of at the time. So I called them and explained everything and agreed this seemed like some type of identity theft, and that they would remove the account. At this point it seems that they have indeed removed the account, however I'm still seeing " XXXX XXXX XXXX '' as a hard inquiry on my XXXX credit file.
03/30/2020	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	FL 32953	Web
On XX/XX/2020 I initiated transfer of {$120.00} from my SOFI invest account. Two days later I call and was told it was OK, to wait. Monday the money is back in the invest acct ant they have put a 5 day hold on it. They ( XXXX ) maintain that I transferred the money into a closed SOFI account. My position is that transfers to closed account should not be able to be attempted, therefore it is SOFI 's mistake. I just want my money, it has been two weeks and they are not releasing it until Wednesday, so it looks like another week.
08/11/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32223	Web
Mortgage was paid off on XX/XX/2021 which resulted in an overpayment with an accrued escrow balance. Lender has failed to process refund of overpayment and has refused to advise when the payment will be processed and issued. I have attempted to resolve this issue multiple times and concerned they are withholding funds that should be refunded. They have thousands of dollars in funds that were part of escrow and overpayment that they have not released. The communication with them has resulted in no clear answer or expectations.
07/13/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MN 55347	Web
At XXXX XXXX I received both a text message & an email from SoFi stating that for my protection all deposits, withdrawals, transfers, and debit card purchases are currently restricted and to contact their fraud team at XXXX. It further states in the email that if you leave a voice message before XXXXXXXX XXXX XXXX a member of their team will return your call within XXXX XXXX. I called at XXXX XXXX and left a voicemail, and again at XXXX XXXX. I still have not received a call back from them and my funds are still frozen.
12/12/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	NV 89148	Web	Older American
XX/XX/30 I funded my investment account with {$50000.00} XXXX Took a total of 6 days for me to access the funds as XXXX XXXX. I tried investing XXXX lost {$200.00} so I said to myself this isnt for me. The XXXX XXXX bank account I funded the investment is close so I tried to transfer my funds to another XXXX XXXX account of mine and XXXX is now telling me for security purposes they restricted me from withdrawing my money. After uploading bank statement of both accounts. Closed and the account I will like to withdrawal too.
04/26/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	FL 33407	Web
Loan origination date : XX/XX/XXXX Amount : {$28000.00} Last on-time payment : XX/XX/XXXX I had a flawless record of payments with SOFI until the XXXX payment was due. I am not working because my employer has cutback drastically during the covid19 pandemic. So I am unable to make payments after XX/XX/XXXX. I have spoken to SOFI customer assistance, hardship department, and collection department many times since I missed the XXXX payment, but to no avail. They will not extend my forbearance or renegotiate my payment plan.
08/01/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CO 801XX	Web
On XX/XX/XXXX, I closed on on a cash out mortgage refinance through SoFi to lock in a lower mortgage rate as well as consolidate a SoFi personal loan. The refiance was funded and cash was sent to pay off my old mortgage fairly quickly ( by XX/XX/XXXX ) but my SoFi personal loan has not been funded yet. My understanding was that funding should occur fiarly quickly after a 3 day waiting period after closing. I also understand that the longer my personal loan is not funded, the longer I am being charged interest on two loans.
06/19/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	CA 90027	Web
I requested a Credit balance refund check that was never received by mail. First time I requested it was in XXXX. My transaction history shows a refund on XX/XX/22 as 'Credit balance refund {$2000.00} '. However, I never received the check in mail and reach out to customer service. They verified my mailing address is correct. According to my transaction history the first refund was reversed and shows a refund on XX/XX/22 'Credit balance refund {$2000.00} '. However, I never received the check after three weeks passed.
06/07/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 79932	Web
My debit card was cloned and therefore canceled. I requested a new one from my bank SOFI and its sponsor bank XXXX XXXX. It is unacceptable for an online bank with no brick and mortar branches to have a delivery estimated days for a meeting card of 7 to 10 business days. Additionally they are unable to do wire transfers. So not only I cant make purchases but I cant send money next day to my other financial institution. Given the fact that they are an online back they should have next day service for new debit cards.
01/09/2022	Yes	Credit card or prepaid card General-purpose prepaid card	Advertising Changes in terms from what was offered or advertised	UT 84118	Web
I figured out what the issue is with not receiving the {$50.00} bonus for referring a friend. The ad posted on the app offering {$50.00}, links to a different page that offers {$5.00} for sharing the app with a friend. I don't know if this is intentional in order to do a bait and switch but your links are definitely broken and not linking to the correct offers. To make it clear, when I click refer a friend to earn {$50.00}, it takes me to the page that has the link to share the app and only earn {$5.00}
04/07/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	IL 62864	Web
On Tuesday XX/XX/2021, {$8900.00} USD was withdrawn from my bank account from SoFi, I do not have a SoFi account or know anyone that have one. Additionally, I received {$100.00} USD from XXXX. I did my own research and the {$100.00} was their sign-up promotional. I did not authorize the sign-up for XXXX. I have contacted my bank, and now I would like to file a complaint about SoFi and XXXX. I never authorized any of it, I don't even know the XXXX account that was supposedly made under my information.
04/21/2021	Yes	Money transfer, virtual currency, or money service Virtual currency	Confusing or missing disclosures	IA 52246	Web
I have been attempting to initiate a XXXX transfer from sofi XXXX XXXX XXXX XXXX to XXXX for near three weeks. Initially theyve rejected my transfer due to reason that dont fit SEC guidelines, nor were the excuses even applicable to my account or transfer. They have been misleading me and are now pretending that they have not received the information sent to them by XXXX. My primary concern is that despite having share lending off that they can not locate my shares to transfer and are misleading me.
01/11/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 329XX	Web
A few days I opened an account with SoFi, transferred {$500.00} into account. I deposited 3 checks totaling approx. XXXX. Today I get a notice that they froze my account due to fraud alert and suspicious activity and I should call a specific number. I called that number but they don't take calls! only voicemails. It's crazy that they can suddenly freeze my account without providing a reason supposedly " for my safety '' and then not have anyone reachable to tell me what's going on and why!
12/18/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	GA 30041	Web
Sofi Lending has opened a personal loan in my name to someone who is not me. I have sent them notification that I am a victim of Identity theft and to removed the unauthorize account from the credit agencies. I have provided them with a copy of my driver 's license, proof of residency, a report I filed with the FTC and a copy of the police report. They have refused to remove the item from the credit departments. I have supplied them also with an affidavit signed by me that this is not my account.
05/02/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 94404	Web
I opened a bank account with SoFi recently. They froze my account over the weekend ( XX/XX/2022 and XX/XX/2022 ). I have called multiple times and left voice mails. They don't respond. I called again on Monday ( XX/XX/2022 ) during business hours and again couldn't reach anyone. I can't contact them through the live chat since the response automatically says to call the phone number. I need to access my bank account and they won't let me. This experience has been documented by others as well.
09/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 752XX	Web
I contacted SoFi to determine who owns the debt, and they insisted that they no longer owned the debt and the debt had been sold. However, they continue to report negative information. If SoFi no longer owns the debt then they should stop reporting effective the date sold. I've paid to settle the debt, but am unable to get a clear confirmation of how to resolve the issue on my credit report as both companies are directing me to each other and neither are able to assist but took my money.
05/26/2022	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	CA 91501	Web
I opened a checking account with Sofi bank around XX/XX/21 and received {$20.00} bonus. I also applied and received a credit card from Sofi. Just recently Sofi closed my checking account and did not return funds that were still in my account, to my knowledge, for no apparent reason. Sofi bank stated I opted to close my account which is false. I contacted them and left messages to resolve the issue but i have not received a call back from any of the Sofi managers regarding my account.
05/13/2022	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	TX 75238	Web
SOFI is a bank Im using over the past couple months. And this week ( XX/XX/22 ), they frozen my account for fraud protection. I tried calling them but they keep telling me that all of their representatives are busy and never answer. I then made a discover credit card payment using SoFi and the payment got sent back because of the account being frozen. All my money is on SoFi and if I dont pay this credit payment, my score will go down. I really need need this issue fixed ASAP.
01/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 79938	Web	Servicemember
SoFi has been erroneously reporting the account as being 90/60/30 days past due as I was paying the debt down and has verbally refused to change i, t although I get all of my proof from their website. To be clear here is what happened. I opened a short term loan with them, paid them as agreed with a few of the payments being not in full, but at least half. They continue to report to the credit reporting agencies as 90 day deliquent past due, as the balance was being paid down
06/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85283	Web
My data was leaked 3 times. I have proof of this from my credit Report. I had cards opened in SoFi and And XXXX XXXX with XXXX XXXX. I reported these cards as theft and they closed the XXXX XXXX and took the balance away, and then they brought it back. My sofi card account was closed but they say I am still responsible for The card. I live in XXXX and the charges were all in New York. I would like this removed from my credit report. It has brought my score down XXXX points.
01/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	CA 95112	Web
i submitted a complaint with XXXX on XX/XX/2021 and they sent me an email stating that This complaint lists someone the company does not recognize as their customer or their customers authorized representative. I am personally filing this complaint. I am authorizing this complaint on my own behalf. I am resubmitting my complaint again as i am a victim of identity theft. I am also including the laws that state your responsibility and take my complaint seriously.
07/05/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	TX 774XX	Web
My SoFi checking account was frozen for fraud protection over a month ago and when I try to get in contact with them it directs me to call the fraud protection team. When calling the fraud protection team it tells me that they are busy and to leave a message and the will get back to me shortly. Leaving a message is the only option and after leave messages everyday for over a month I have yet to speak with anyone or get a call back and can not access my funds
04/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	VA 23321	Web	Servicemember
It was several loan taken out in my name while I was XXXX. As a single XXXX XXXX member, I have to leave a copy of my ID , drive license, Social Security, and power of attorney and guardianship in order for my children to go the doctor and etc. Loans from XXXX and SOFI Lending were all applied around the time. Credit Bureaus are reporting correct information. XXXXXXXX XXXX XXXXXXXX is saying debt collection. I shouldnt have to pay due to identity theft.
06/30/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	TX 77025	Web
I submitted an application for SoFi Credit Card through the link ( XXXX : XXXX ), which clearly showed earning {$200.00} bonus when spending {$1500.00} in the first three months of account opening. My application was approved on XX/XX/2022. I spent more than {$1500.00} with the credit card and has not yet received the bonus. I contacted SoFi customer service and was told by email that my credit card account was not eligible for the promotion bonus.
06/21/2022	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	DE 198XX	Web
Please see the screenshot I took on XX/XX/XXXX at XXXX XXXX. XXXX. before sending the email to Sofi on that same day inquiring about the missing points for the recurring crypto purchases made on XXXX, XXXX, XXXX & XXXX. At that time the terms for the crypto did not specify a minimum purchase of {$10.00} as they do now. If they indeed did change the requirements on XXXX, they had not updated the verbiage publicly as of the XX/XX/XXXX email I sent.
06/16/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 210XX	Web
I have a conventional home loan with SoFi mortgage for which I have elected to receive only electronic documentation. In the last month I have become unable to access any information about the mortgage from the SoFi website. This include the remaining balance, upcoming payments, status of tax payments and insurance. I have tried several times to speak with customer service via phone and email and this has been unsuccessful in resolving the issue.
06/29/2017	Yes	Student loan Private student loan	Getting a loan Problem with the interest rate	WA 98102	Web
I 've repeatedly received offers from SoFi to refinance my student loans " with interest rates as low as 2.62 % '' " plus.. an autopay discount of 0.25 % ''. I have a credit score over XXXX, so logically, I should qualify for the lowest possible rates. When I go through the prompt to get a quote, I am only offered rates of 4.875 % or higher. I think advertising a rate more than two full percentage points lower ( XXXX basis points ) is deceptive.
03/08/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92240	Web
I made my mortgage payment for XX/XX/2020 on their website having their agent walk me through it. I was told at that time setting up automatic payments would commence XX/XX/2020. What ended up happening was the automatic payments started right away in XXXX, so they took 2 payments instead of one for XXXX, and another automatic one for XXXX. I have called numerous times ( 7 or more ) and been promised a check is in the mail. I am still waiting.
09/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 278XX	Web
I would like to start this letter off by, first of all, thanking your company for the great service that Ive experienced as a consumer. I have been a very dedicated customer and am now in need of your help.I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/28/2020	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	NY 11213	Web
A {$75.00} cash deposit bonus was promised for getting a direct deposit from my employer. My Direct deposit of {$500.00} was received on XX/XX/XXXX and XXXX 2020 for {$500.00} yet the bonus promo was never credited. The terms of the promotion read " SoFi will credit members who meet the qualification criteria stated above with a one-time cash bonus of {$75.00} deposited into their SoFi Money account within two weeks of qualification ''.
06/12/2022	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 18951	Web	Servicemember
I have contact this company about this debt that was inserted into my credit profile I have contact the company asking this company to contact my attorney about this debt this account refuse and is still threatening me and now is currently in litigation. This company threaten for my credit to be rued and this company is single handily worked on destroying my credit and I am asking for help before I processed with legal actions. Thanks
05/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 641XX	Web
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.
06/08/2020	Yes	Checking or savings account Checking account	Managing an account Banking errors	DC 200XX	Web
When I set up my account at SoFi money, there was a promotion to receive 5 % back on purchases made with the SoFi debit card within the first 60 days. I made a purchase on XX/XX/XXXX for {$1000.00} using my SoFi debit card. However, I don't see the 5 % back. When I contacted the bank, I was told the promotion was changed after I signed up for the account. This is a gross violation of the terms under which I opened the account.
03/23/2022	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	NJ 07090	Web
Opted in to a SoFi Money promotion to have a {$1000.00} direct deposit post after opening checking account to receive a {$100.00} bonus paid out within 2 weeks. This deposit posted XX/XX/XXXX and I still have not received this bonus. I have reached out to SoFi customer support twice since then, both times they have said this promotion is pending but it has been several weeks and no action has been taken by them to make this right.
05/25/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	NY 140XX	Web
SoFi publishes rates of 3.5 on fixed loans for student loan refinancing. All combinations of salary, experience, loan amount and home ownership result in 5.74 % as the lowest rate for refinancing. For example, a {>= $1,000,000} salary at $ XXXX loan debt = 5.74 % rate and {$50000.00} salary at {$100000.00} loan debt = 5.74 %. This is a marketing tactic and is being used to deceive customers into supplying protected information.
04/15/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	IN 47203	Web
SoFi froze my account for suspected fraud. They returned a check that I had deposited from my other account and then locked my checking account. I have attempted to call their Fraud prevention team for three days and left multiple messages for a return call. A quick search of this process on their chat boards reassured me that this happens to many people and sometimes takes two weeks to resolve. That timeframe is unacceptable.
04/11/2022	Yes	Checking or savings account Checking account	Managing an account Banking errors	MD 20854	Web
I noticed that my checking account was not being credited for 1.25 % APY for direct deposits and only 0.7 %. I have had at least XXXX direct deposits from my employer ( XXXX XXXX ) on XX/XX/XXXX and XX/XX/XXXX. The Sofi rep I contacted claims the deposits are not coded correctly preventing the crediting of the bonus. She made a unhelpful suggestion to contact my organization to change their direct deposit ACH coding practices.
01/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 21222	Web	Servicemember
XXXX XXXX, Sofi, and XXXX XXXX bank posts late payments on credit report on a consistent basis when debt has been paid off years ago, I have contacted each company and disputed through credit bureaus multiple times within the past years, Im sure the debt is past the statue of limitations, I want the late payments removed from my credit report. The debts were paid, Why do they keep posting late payments to credit report?
12/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 762XX	Web
SoFi loan number Loan # : XXXX Loan was paid in full {$14000.00} payment on the SoFi loan listed above. Confirmation number is XXXX on XX/XX/2021. As of XX/XX/2021 SoFi has not reported the correct loan balance of XXXX to any of the credit reporting agencies. XXXX with SoFi they responded that they have up to 30 days to report the loan completion. SoFi slow reporting violates the FCRA requirements for accurate data.
07/21/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	IL 609XX	Web
In XX/XX/2021, I filed disputes for transactions in my account that I didn't authorize that happened on my debit card as well as a check that was written on my account and for filing the dispute the closed my account never refunded my transactions and now I can't even access my bank statements I had with them. I had the XXXX XXXX XXXX that was supposed to be deposited into this account and they rejected it as well.
06/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32828	Web
ON XXXX several loan appaers in my credit report after noticening i inmeaditly began to call these bank and reported these loan wich are fraudelent and not mine they instructec me to make the proper report, FTC, CONSUMER FINANACIAL PROTECTION, XXXX COUNTY SHERIFF, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
06/01/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MD 21701	Web	Older American, Servicemember
On XX/XX/2022 got notification that account was frozen after I transferred {$4000.00} to account from within the banks money transfer system. They pulled the money from my other bank that was linked. I tried calling the number they told me to call but it never actually directs you to a customer service representative it just gives option to leave voicemail. They never respond back or told me reason for freeze.
08/19/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	PA 19143	Web
I filed dispute case with sofi credit card {$9.00}. I was told the case would be resolved in 3 days on XX/XX/XXXX. I reviewed a mail from SoFi dispute department named XXXX, she told me dispute denied due to no rights of recovery. Unfortunately, we have no recourse in this matter. Her phone number is XXXX. Extension XXXX. I left her voice message, she never call me back. Customer service couldn't do anything.
08/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75134	Web
I disputed few fraudulent accounts with the credit bureaus and provided documents and they havent blocked/removed any items off my credit reports and denied all my disputes and I called credit bureaus and they wouldnt assist me of removing these fraudulent accounts Such as XXXX/XXXX XXXX Sofi XXXX XXXX XXXX XXXX XXXX/XXXX And the inquiries to I would need some assistance of removing these fraudulent accounts
10/23/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	LA 705XX	Web	Servicemember
I have been the Victim of ID Theft and have a fraudulent loan with a company called SOFI. I have disputed this fraud account so many times I 've lost count. I contacted the creditor and felt like they could care less about helping me resolve this matter. they did n't even know if they had a fraud dept. How sad is that? I have sent police reports aswell as other documents to them and they totally ignore them.
04/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 852XX	Web
There has been an issue with my identity being stolen and certain inquiries that appeared from the situation remain to be reported on my credit. from XX/XX/2020 to XX/XX/2020 those inquiries were placed by an imposter trying to be me. i have filed much paperwork showing inaccurate information with signatures and documents. i need help to clear my name of these acts due to the harsh times of today. thank you
04/13/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	LA 70122	Web
In XXXX an account was opened fraudulently for {$12000.00}. I have completed a fraud packet, with a notarized affidavit. As soon as I could get a full police report, I provided that as well. SoFi has reported my account delinquent even though it is still in fraud review. I have been trying to speak with someone in the fraud department, but I am not getting return calls for the messages that I leave.
03/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07071	Web
I didnt get any help during the pandemic I request payment deferral as the Congress law requirements and they didnt help me and they report all my late payments on 2020. Right now I have all my accounts current but Im getting affected because they report all late payments violating congress law about payment deferral as this situation happens I need all that 2020 late payments remove as soon as possible
07/19/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	NY 11563	Web
I was added as an authorized user on a Sofi credit card without permission. It is now affecting my credit although I have called the company several times to explain that I have no knowledge of the card nor was my permission given to add me to the account. It has been reported to the three credit agencies and two of them refuse to take it off stating that it remains that I am an authorized user.
08/29/2016	Yes	Other financial service Debt settlement	Advertising and marketing	VA 22201	Web
I received a letter in the mail from Sofi or Sofi.com to cut my interest rates and help reduce debt. At the bottom there is an opt out number to call : XXXX. When you call it describes that this the CFPB number to opt out of these offers and ask for your social. I know that CFPB would not ask for you SS # over the phone and this is a total scam. Please investigate and shut these people down.
02/05/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	TX 77084	Web
On XXXX XXXX I applied for a personal loan with Sofi . I received a letter from the company stating that I was denied for a personal loan for reasons listed in the attached letter. According to federal laws, my rights have been violated for reasons listed in the attached letter. I have attempted to discuss this with the company and have not been able to get proper attention to this matter.
03/19/2021	Yes	Checking or savings account Other banking product or service	Problem caused by your funds being low Late or other fees	TX 79902	Web
I have called XXXX invest and have asked for a call back, i have not recieved the call back the wait times are about hours long i was promised by a representatove that the errors would be corrected as well as a bank letter indicating to reverse the overdraft fees that first convenience charged me for their error, i still have yet to receive the letter and any over draft fees, please help
02/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	GA 30309	Web
On XX/XX/2022, I applied for a credit card with Sofi. I received a letter from the company stating that I was denied for a credit card for reasons listed in the attached letter. According to federal laws, my rights have been violated for reasons listed in the attached letter. I have attempted to discuss this with the company and have not been able to get proper attention to this matter.
10/25/2020	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	NY 124XX	Web
{$75.00} cash deposit bonus was promised for getting a direct deposit from employer. Direct deposit of {$500.00} was received on XX/XX/2020 yet the bonus promo was never credited. Sofi terms read " SoFi will credit members who meet the qualification criteria stated above with a one-time cash bonus of {$75.00} deposited into their SoFi Money account within two weeks of qualification ''.
02/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10468	Web
Dear Sir or Madam, On XX/XX/2021 i mailed a letter to the XXXX credit bureaus ( XXXX, XXXX, XXXX ) as well as to Sofi Lending and XXXX XXXX XXXX XXXX disputing collection accounts that were a result of identity theft. I provided a copy of the police report that i filed regarding this matter and the accounts in question have not been removed from my credit report. Please look into this.
02/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10468	Web
Dear Sir or Madam, On XX/XX/2021 i mailed a letter to the XXXX credit bureaus ( XXXX, XXXX, XXXX ) as well as to Sofi Lending and XXXX XXXX XXXX XXXX disputing collection accounts that were a result of identity theft. I provided a copy of the police report that i filed regarding this matter and the accounts in question have not been removed from my credit report. Please look into this.
07/20/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	NC 27288	Web
I signed up for the SoFi credit card on XX/XX/XXXX with the sign up bonus of XXXX rewards points ( {$100.00} ) which would be added to my rewards balance 45 days after my first purchase. I made my first purchase on XX/XX/XXXX and have not received the points. I have called several times and had tickets filed by representatives but there is no follow-up and no resolution as of today.
09/30/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	OH 44144	Web
Received mail solicitation for personal loan. I submitted loan application online and uploaded paystub and verification of ID over a month ago. I have yet to receive an answer. When I call for status, they keep telling me that my loan is in underwriting and in the final stage. I feel as if I am being strung along. I have been told that they do not need any additional information.
10/08/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	OH 442XX	Web
On several dates, most recently XX/XX/2020 SOFI lending has been contacting family members and telling them that I owe a debt and they are trying to collect that debt. They have contacted each of my family members more than once which is against my rights. I would like them to sees and desist these calls to my family. I have also givent them my attorney 's phone number as well.
07/19/2021	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	VA 20120	Web
We are been trying to roll over my IRA from Sofi for last 6 months. They made submit the rollover form twice and also has asked for additional Letter of Acceptance. Now, Sofi is asking to repeat the same process, which was already completed twice before. It just seems Sofi is intentional delaying or deferring to roll over my IRA funds out to another organization we requested.
05/26/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	IL 604XX	Web
I am putting a complaint in on sofi banking. I have been banking with them since 2021. They have frozen my account without a reason to why? I have tried to contact them, but everytime it says leave a message and fraud department will reach out. The fraud department do not reach out in a timely manner.. I have deposit that are being on hold due to my account being frozen.
07/11/2022	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	NY 11213	Web
Bank offered a promo that offered {$20.00} to check one 's rate for a personal loan ( see attached emailed offer ). I had completed the steps yet the bonus was not credited as promised. I had chatted in about the issue on XX/XX/2022 and was promised resolution withing 7 days but unfortunately did not hear back from the bank nor receive the promised bonus.
05/02/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 91326	Web
opened the account XX/XX/XXXX and setup direct deposit from work, Sofi frozen my account after first direct deposit sent to my account on XXXX, tried to contact them on both regular support and Security Team and it all goes to voice mail, they froze my account and never contact me and I have no way to talk to a real person, and I can't transfer the fund out
05/07/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	GA 30058	Web
Yesterday ( XX/XX/XXXX ) I transferred {$7000.00} from my Sofi Invest account into my Sofi Money account. Soon after noticing the completed transaction - my Sofi Money account had a status of 'in review ' - my account is frozen I can't move money or spend money. I have not been able to reach any one on the phone. This is ridiculous. I have bills to pay!
02/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91748	Web
I Had Noticed the Hard Inquiries that I had never authorized to Pull from creditors. Someone stole my information and used them XXXX 1. Sofi lending XXXX 2. XXXX XXXX XXXX XXXX, 3.XXXX XXXX XXXX XXXX 4.XXXX XXXX XXXX XXXX 5.XXXX XXXX XXXX XXXX XXXX 6.XXXX XXXX 7.XXXX XXXX XXXX XXXX 8.XXXX XXXX XXXX XXXX 1.XXXX XXXX XXXX 1.XXXX XXXX and XXXX and XXXX
12/29/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 94044	Web	Servicemember
Student Loan ReFi ( # XXXX ) Unfortunately, I was dissatisfied for the following reason.They lured me into applying for a loan. I submitted basic information including my SSN # and they prequalified me. I submitted more information to conclude the process. At the last minute, they declined the offer. What about the -25 point hit my credit score took?
09/21/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	IL 60616	Web
Sofi is not following truth in lending guidelines unfair lending practices I applied to Sofi for a loan and they denied me my own credit with a adverse action letter in which I know I am the original creditor and you cant be denied your own money this is my own money I am receiving from Sofi also Sofi has discriminating against consumer XXXX XXXX
01/10/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	VA 23224	Web
I have tried to contact Sofi bank for almost two weeks I havent been able to buy groceries or pay my rent soon I will be evicted even though its the banks fault I have called every department but the keep sending me to voicemail. Since XX/XX/2021 my account has been frozen .with no explanation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 10701	Web
In XX/XX/2021 SOFI LENDING CORP with account number XXXX was taken off my credit report and now has been put back on it. This company does not have this loan as it states on the credit report that it has been Transferred. The Account Status is reporting it as derogatory and this account does not even have a balance reporting on it.
12/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	CA 95054	Web
SoFi finally didn't open an investment account for me because of my nationality. It seems an act of DISCRIMINATION because I am a XXXX XXXX of USA and there is no restriction for residents. I asked them to delete all of my information from their system as they are GDPR-compliant, but finally they sent me the attached comment!
06/02/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 33130	Web
I deposited {$3000.00} into my SoFi Checking account from my XXXX XXXX account. SoFi has frozen my account and instructed me to contact the Fraud Prevention team. Any attempts to contact them goes to voicemail and they are not contacting me back for me to have the account unfrozen. This has left me with no access to my funds.
02/09/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	NY 130XX	Web
I have applied for a loan to refinance my student loans with Sofi. There is a provision in the loan documents that states that if I pay the loan off early, they can still charge me the full interest as if I had not paid the loan off early. Is this legal? I have not yet signed the documents. SEE PAGE 4 OF ATTACHED LOAN DOC
11/29/2020	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	IN 46143	Web
Recently purchased a phone, got scammed, seller agreed to refund but never sent anything to refund the item back. Case got denied because I couldn't ship the broken device back because the seller didn't send anything. Tried contacting my bank twice and they denied it. They are clearly condoning fraud and it's disgusting.
04/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23321	Web	Servicemember
Several loans were taken out in my name during XXXX. These accounts have been closed and reporting inaccurate information. I had to leave my information with the person that was taking care of my children at the time. I have a XXXX XXXX I have to maintain for my job. I shouldnt have to pay for someone else wrong doing.
09/15/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	TX 78552	Web
Sofi has ignored my request to stop sending me emails concerning refinancing of my student loans despite following the instructions they provided now XXXX times. XXXX times I have received " confirmation '' Sofi has removed me from mailing lists, but the emails keep coming. This has been ongoing for more than one week.
01/22/2022	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	VA 201XX	Web
I received a credit card/ mobile banking card that I did not apply for. This account was Open without my authorization. The company has several different address on the credit report SOFI Lending Corp phone number XXXX I did call them And asked for a copy of the application and they refused to give me any information.
06/02/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	IL 60174	Web
My bank account with Sofi was frozen. I was not notified the account was frozen. I only found out when trying to access the account. The online chat will not talk to me because the account is frozen. The fraud phone number never has any support available. Only the option to leave a message that they don't respond to.
04/22/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	OH 452XX	Web
I have seen multiple accounts opened at SoFI and I dont have any accounts with them. They have not defaulted but my personal information is being leveraged fraudulently. I have frozen my account with all credit reporting agencies. I have called SoFI numerous times and their fraud department seems to not exist at all.
10/20/2016	Yes	Student loan Non-federal student loan	Getting a loan Qualify for a better loan than offered	TX 75043	Web
SoFi advertises student loan refinance rates as low as 2.23 %, however they tried to sell me on a loan that 's over 5 %. If I do n't qualify, no one does. Credit score : high XXXX. XXXX missed payments on record. Household income : XXXX Debt ratio : 23 % ( including housing ) Debt ratio : 15 % ( excluding housing )
09/23/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 76092	Web
The company still has not processed my cashiers check and still charging me interest after confirmed receipt of a cashiers check. Also and most importantly, they still have not updated the 3 credit bureaus to show the large payment that nearly covers the entire account balance. Causing my credit score to be lower.
01/14/2019	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	OR 97124	Web
It will often take 2 weeks or 3 working weeks for them to post my next payment amount ( from the beginning of the month. They will actually take more than a month to post the next payment amount in general. They refuse to process them faster. I believe they are doing this to gain more money in interest payments.
10/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29646	Web
I have spoken with SOFI directly and have disputed the balance shown twice already. Rather than fixing the error, SOFI 's solution seems to be to drop back a month and report an even higher incorrect balance to XXXX. Twice they have reported to XXXX that they are reporting correctly but clearly they are not.
08/09/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32725	Web	Older American
I was adversely affected by COVID-19 pandemic and arranged with SOFI lending a forbearance program and was told it would not affect my credit. I have been reported late 2 times by this lender to the credit bureaus adversely affecting my credit scores. I disputed the late payments but they were upheld by XXXX.
06/27/2017	Yes	Student loan Private student loan	Getting a loan Confusing or misleading advertising	NJ 085XX	Web	Older American
Every month I receive from XXXX an invitation to lower the cost of my student debt : " We 've missed you! '' Simply log in and check your rates. I apply and always get rejected. they keep sending me an invitation to re-apply " XXXXXXXX is the 5th one of these I 've received. The latest one onXX/XX/XXXX, 2017.
04/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75025	Web
I paid off my SoFi Loan # XXXX on XX/XX/2020. SoFi has updated the credit bureaus that the loan has been paid in full expect XXXX. I submitted a dispute to XXXX and the result came back as still owing a balance. The loan balance had been updated to XXXX and then XXXX placed a balance back on the account.
02/26/2019	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	CA 94536	Web
I was promised a {$200.00} bonus for opening my 'SoFi Money ' account. I joined a waiting list and later was sent an email telling me my account was opened successfully. SoFi falsely advertised this promotion and conducted a bait-and-switch scheme, baited new customer and deny the promotion without notice.
06/07/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	VA 22201	Web
SoFi froze my account due to suspected fraudulent activity. When i tried to reach out and correct, their fraud number goes straight to voicemail and I cant get a hold of anyone for 2 days now with no access to my money. I have no way of getting in touch with a SoFi employee to unfreeze my account.
11/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DE 19802	Web
This issue has been going on for months stating that my account is open whi8was included in a bankruptcy not a chargoff account. They said that it was correct my attorney has pr6proof to them and was told that they would fix the issue and they have not. I asked them to remove it and they declined.
10/20/2020	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	TN 372XX	Web
On XX/XX/XXXX, money exited my checking account without my authorization or consent. The bank indicated said they made a mistake and sent money out of my account in error. They have done nothing to fix it on their side and I have not received any confirmation that they will do anything to fix it.
05/03/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 76123	Web
On Saturday morning, I went to access my bank account. However, the app told me that my account has been frozen and that I am supposed contact the security team for more information. However, no one has got back to me. It has been two days and my checking and savings accounts are still frozen.
06/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NJ 07410	Web	Older American
Morning I received three copies of SoFi credit card past payment due letters. I disregarded the first two as a mistake. I checked my credit report today and saw amount past due. In the past I received several notices by US mail to apply for a loan from So Fi, which I did not. Thank you
02/21/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	UT 84062	Web
Applied for a loan, got denied credit, which then resulted in an adverse action. I contacted SoFo Lending Corp. at their XXXX XXXX, UT location like instructed in the adverse action, never got a response. I have been discriminated and violated against, as a federally protected consumer.
10/30/2020	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 33613	Web
My card and account was used WITHOUT my permission, for over a month time. I disputed all the transactions and it got denied. Whoever stole my debit card used over a XXXX dollars that I'm now out of because they didn't find a issue with the transactions. I'm very very very XXXX off.
04/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	DC 20019	Web
There are XXXX inquiries on my account that were not authorized by me. XXXX XXXX XXXX XX/XX/22 Sofi lending corp XX/XX/22 There is no phone number for this company. Im not sure about the loan amounts because its not shown on my report. I have already disputed these inquiries.
04/28/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	RI 02908	Web
I writing because person opened fraudulent account under my name sofi credit card dont investigate my account still reporting account in my credit I need resolution soon posible because never opened account with company dont received information proof this debt with my signature
07/06/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	DE 198XX	Web
The Sofi Money Checking & Savings account are frozen and were done so without notice. I contacted Sofi on XXXX.2022 via telephone which resulted in being transferred twice, ultimately ending up at a voicemail box of the security department with no resolution of the issue.
03/25/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	OK 74017	Web
I was told verbally and in an email from a company representative that my loan would have a 0.50 % rate discount. After I signed the papers, I only had a 0.25 % rate discount. After several calls to SoFi I was told that my loan only qualifies for the 0.25 % rate discount.
01/23/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Other service problem	VA 23860	Web	Servicemember
I am in possession of a check that purports to indemnify Sofi Lending Corp in an amount of {$250000.00} against prior claims of the Internal Revenue Service ( " IRS '' ). It also contains an undertaking to provide information to the IRS. Offer ends XX/XX/2022 2022
11/02/2020	Yes	Money transfer, virtual currency, or money service Virtual currency	Wrong amount charged or received	RI 028XX	Web
Sofi Securities charged {$20.00} to my XXXX checking account in 2 transactions once for {$10.00} on XXXX XXXX and again for {$10.00} on XXXX XXXX but posted only {$10.00} total to my Sofi Securities account and will not refund duplicate settled {$10.00} bank charge.
12/12/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	NV 89148	Web	Older American
XXXX withdrawal cash and company is telling me they disabled my withdrawal due to security reason because I cant withdraw to the original funding account because its closed and will need to withdrawal to my other bank account thats already linked to sofi investing.
12/06/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	WA 98683	Web
I have called SoFi multiple times and they refuse to put me on their do not call/ do not mail list. They say they do n't have my information in their system, but they clearly do as they are able to solicit me through multiple channels ( email, direct mail, etc ).
02/02/2021	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	GA XXXXX	Web
The attachment outlines my complaint. Social Finance , Inc . There are people who constantly spread unproven accusations ; lies and rumors about me as Sofi are allowing them ; as they falsely justify having financial companies take things that belong to me.
04/11/2018	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	MD XXXXX	Web	Servicemember
I recently rolled over a federal student loan from XXXX XXXX to XXXX XXXX. SoFi overpaid that loan by more than {$800.00}. XXXX claims they issued a refund of the overpayment to SoFi in XX/XX/XXXX. Despite requests, SoFi has not posted that money to my account.
07/13/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	NC 27606	Web
Ive tried to contact sofi about frozen funds in my account. All they do is give you the number for fraud prevention team, but no one ever answers or replies. It immediately goes to voicemail. Ive left over 10 voicemails in the past 2 months. Still no response.
07/06/2022	Yes	Money transfer, virtual currency, or money service Virtual currency	Other transaction problem	DE 198XX	Web
On XXXX I received notice via email that Sofi sold my bitcoin holdings held with them. I did not request this. I do not owe them money. The assets were not on margin. They sold them at a loss, incurring harm to me and causing an undesired tax effecting event.
07/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30045	Web	Servicemember
On XX/XX/XXXX XXXX credit card department Status Sofi only conducts Soft inquiries when checking rates SOFI CREDIT CARD mislead consumer by conducting hard inquiry on XXXX which resulted in a hard inquiry on file untill XX/XX/XXXX and a reduction of 5 points
05/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28216	Web	Servicemember
XX/XX/2022 Sofi XXXX XXXXfrom the company is still on my report as an inquiry, and I would like it removed. As it was not my account and the company proved it, it is fraudulent. This has added to my report as an increase in inquiries. Kind regards, XXXX
07/27/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	NY 11365	Web
I have a fraud alert and their security Team refuses to call Me and clear it my app is pending approval but they dont care to call me and take care of it its a simple verification process their giving me such a hard time what a horrible experience company
12/18/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with rewards from credit card	CT 063XX	Web
I signed up for the Sofi Credit card via a referral link. The link indicated we would both get ( the person who referred me and myself ) 4 % cash back for the first 30 days. We only recieved 2 % cash back. The company refuses to give the extra cash back.
10/04/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	DC 20011	Web
Welcome bonus terms -- 1 purchase by XX/XX/21 -- were met the but bonus ( XXXX rewards points ) has not been issued. The issue has been escalated to specialists multiple times with no resolve ( the latest ticket has had no updates in over a month ).
01/08/2020	Yes	Student loan Private student loan	Dealing with your lender or servicer Need information about your loan balance or loan terms	TX 77584	Web
There has never been any type of consistency on how the payments are divided into Principal and Interest, and they will not provide an Amortization schedule that shows how the payments are divided. Just strange to me that they said that. Thank you
06/15/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	MI 49546	Web
I opened a line of credit with SoFi. I used it a couple times and they froze the account. I confirmed the purchases were made by me ( the account holder ) and is been frozen for XXXX weeks. I've the out to them at least XXXX times with no response.
01/30/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	NY 11779	Web
They offer rate to 5.99 % They run the pre-calification and offer a good rate.. But after They note your accent speaking, they increase.. They offer me 8.99 % by 5 Years. and after They move to 27.95 % They are making something bad things...
05/25/2022	Yes	Checking or savings account Checking account	Closing an account Can't close your account	AZ 85282	Web
I have an account with XXXX XXXX and they will not return phone calls or close my account. I have called and written to request my account be closed and I can not get anyone to help. My account has been frozen without reason for over 6 months.
03/31/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	NJ 08873	Web
Advertising for card said unlimited 2 % cash back. After signing up and receiving the card noticed the fine print. Saying it's actually 2 points for every dollar and depending on how you redeem it could be worth 2 %. If pure cash, it's only 1 %.
01/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	RI 02864	Web
I see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
11/03/2020	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	NY 11213	Web
I had already submitted a claim for this issue ( CFPB Claim # XXXX XXXX, wherein the company claimed to have credited my checking account on XX/XX/26 for {$75.00}. In fact no such credit was ever made to my Sofi checking account number XXXX.
01/31/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX XXXXX	Web
I can not log into my account as there is a link that forces you to accept consent that will not allow you to enter a class action against the company. I will send in a rejection letter but i want this removed so I can service the account.
01/26/2022	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	VA 23234	Web
Sofi Bank is not letting me withdrawal my money from an investment account. I called customer service and they claim that the withdrawal is blocked because they have to check my linked accounts. Which would be their own checking account.
11/13/2020	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	NY 124XX	Web
Having already submitted a complaint on this issue to CFPB ( Complaint # XXXX ), the company 's reply is a simple untruth. I had received a direct deposit on XX/XX/2020 for {$500.00} and thus am eligible for the said promotion.
06/24/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	CA 95122	Web
I have a sofi credit card open belong with my information but I never opened it. It display the address in XXXX when I'm living in XXXX and I filed police report, contact with Sofi and also filed credit dispute but not work.
02/07/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	OR 972XX	Web
I have asked the company in question to stop offering me their credit products ( or any product/marketing communications for that matter ) but I'm still receiving offer letters sent to my home on a monthly recurring basis.
12/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75115	Web
someone stole my information and opened a loan in my name i contacted the company sent the documents over 3 seperate times and just was left a lawsuit paperwork on my front door this account was opened fraudlently
02/05/2021	Yes	Checking or savings account Checking account	Managing an account Banking errors	NY 117XX	Web
I was supposed to receive a {$75.00} bonus for having direct deposit of {$500.00} or more. I completed the promotional requirements but the credit never posted. I have followed up via email and XXXX to no avail.
06/01/2022	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	MA 01906	Web	Older American, Servicemember
I've tried opening an online account with XXXXXXXX XXXX and they keep denying it. I chatted with them and they said to very that everything is in order with XXXX ... ..I did. They still won't open the account.
01/24/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NV 89102	Web
XXXX XXXX communicated incorrect and inadequate information regarding payment due date and statement cycle end date. Representatives have communicated multiple varying due dates each time I contact them.
06/27/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CT XXXXX	Web	Older American
Constant barrage of emails that youre invited to apply, special access numbers, the allurement of XXXX just to apply. All the while knowing they dont have loans for minorities. Never have, never will.
06/13/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MA 019XX	Web
XX/XX/2021 {$4400.00} My account was freeze. Have been calling the security team for months, they send me XXXX link but the links expired in minutes it wont let me capture my face for the selfie
07/25/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	CA 94555	Web
Sofi Lending reported that I applied for a loan, but all I did was check the possible rate, and the website said it would not affect my credit. Now, it 's showing on my XXXX report as an inquiry
05/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	SC 29412	Web
A sofi credit card with a balance of XXXX $ was opened in my named I have filed with federal government Sofi has not responded and to phone call nor will they provide any information XXXX XXXX
05/26/2022	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	MA 019XX	Web	Servicemember
XX/XX/XXXX {$4400.00} The financial institution put a hold on my account since XXXX of XX/XX/XXXX the and Ive been calling the security team since then but theyre ignoring my calls.
02/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 130XX	Web
I have tried contacting company in regards to an unauthorized inquiry dated XX/XX/21, however I can not get ahold of anyone in credit dept. I did not apply for an account with SoFi.
06/15/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	IN 46806	Web
I don't have an account I got emails stating my debit card has been frozen but I don't have an account and never applied for one this is the email address it came from XXXX XXXX
11/22/2020	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	NY 11213	Web
Company promised a {$75.00} promo for getting direct deposit over {$500.00}. I got a direct employer deposit of {$500.00} on XX/XX/2020 yet the promo did not credit as promised.
07/03/2019	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	FL 337XX	Web
I invited a friend to open a checking account to get a {$50.00} bonus for myself and {$50.00} to a friend that I referred. each bonus was not received for both of us.
06/21/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	AZ 85015	Web
So when I got my statement in the mail I seen a bunch of charges from XXXX XXXX I dont use XXXX XXXX nor do I have one I tryed to dispute the charger the denied it
04/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20774	Web
SOFI is reporting my credit limit as the balance amount. My credit limit is {$7500.00}. My balance was {$2700.00} SOFI is reporting the credit limit as {$2700.00}
04/14/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TX 78217	Web
XXXX on XX/XX/2022 was charged {$86.00} for an item that was {$45.00} on shelf tag I told her never mind and she was supposed to void the item. I never got it
11/09/2020	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	NY 11213	Web
sofi promised {$75.00} bonus for getting a {$500.00} or more direct deposit. I got ad driect deposit for {$500.00} on XXXX yet the bonus did not credit
11/02/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with fraud alerts or security freezes	IN 46383	Web
I am a victim of a online money scam fraud. They got my information and opened a loan in my name now i own this loans and didn't do any of them
04/18/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	HI 96720	Web
My account has been locked with Sofi bank since XXXX and I havent had access to my account since. I want access to my funds immediately
01/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 10036	Web
on Eperian report, it shows unconsent soft inquiry of SOFI Lending ( XXXX tel ) given unknown resource using my personal information
03/30/2018	Yes	Debt collection Payday loan debt	Communication tactics Called before 8am or after 9pm	CA 926XX	Web	Servicemember
They have contacted me at XXXX XXXX few times and I have requested few times not to contact me at that time and still happening.
01/20/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	IN 46902	Web
They are still denying that its not their company can you see that sofi are not real same thing everybody is complaining about
11/05/2020	Yes	Checking or savings account Other banking product or service	Opening an account Didn't receive terms that were advertised	NY 124XX	Web
was promised {$75.00} for getting a direct deposit, got a direct deposit of {$500.00} on XX/XX/2020 yet bonus never credited.
02/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MA 02169	Web
I have an unauthorized charge on my account and sofi lending corp refuses to acknowledge or help me with this charge.
12/15/2021	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	NY 10027	Web
{$600.00} of withdrawals being withheld for security purposes after account and connected account have been verified.
05/03/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	CA 90068	Web
credit card opened up in my name without my permission or consent. Credit card lender refuses to close account.
02/14/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MO 641XX	Web
Date opened : XX/XX/2021 Amount : XXXX Credit Limit : XXXX The Balances on my Account were Fraud Transactions.
06/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 79924	Web
There is no receipts cause it's a fraud account! They put the money in and took it out through fake checks.
08/12/2021	Yes	Money transfer, virtual currency, or money service Virtual currency	Unexpected or other fees	FL 32607	Web
XX/XX/2021 I been waiting on an answer to receive my cash and they dont have a date to give me
08/12/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 32607	Web
XX/XX/2021 denied to help hanged up in my face told me they can not get no information too me
02/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 44124	Web
XXXX turnedmy account over to XXXX. I settled my account with XXXX for XXXX on XX/XX/2018.
12/27/2019	Yes	Checking or savings account Checking account	Managing an account Banking errors	PA XXXXX	Web
I have not received my {$50.00} promotion for opening my account with {$100.00}.
04/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91403	Web
I reached out to the company and they advise me to contact the credit bureau.
08/29/2018	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	VA 224XX	Web
SoFi failed to let me know why they denied my loan refinance request.
04/03/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 329XX	Web
From XX/XX/XXXX - XX/XX/XXXX. Phones at six and seven times a day.
07/14/2022	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	NY 11373	Web

07/13/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	IL 60162	Referral

07/12/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	GA 30341	Web

07/10/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	MA 01950	Web	Servicemember

07/09/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with rewards from credit card	NY 14127	Web

07/07/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	CA 95035	Web

07/07/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	NY 11565	Web

07/07/2022	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	VA 22903	Web

07/05/2022	Yes	Checking or savings account Checking account	Managing an account Banking errors	TN 37932	Web

07/05/2022	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	MS 38655	Web

07/05/2022	Yes	Checking or savings account Checking account	Managing an account Banking errors	KS 66215	Web

07/01/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 33025	Web

07/01/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	OH 43055	Web	Older American

06/29/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 33025	Web

06/29/2022	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	NY 11364	Web

06/28/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	WA 98027	Postal mail

06/27/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	GA 31907	Web

06/27/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NJ 07052	Web

06/25/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 33033	Web	Servicemember

06/25/2022	Yes	Checking or savings account Checking account	Opening an account Confusing or missing disclosures	CA 94085	Web

06/24/2022	Yes	Checking or savings account Checking account	Managing an account Banking errors	CA 90043	Web

06/24/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	TX 78665	Web

06/20/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	CA 90605	Web

06/20/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NY 11229	Web

06/19/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CA 91206	Web

06/17/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	MA 01702	Web

06/16/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MI 49091	Web

06/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35040	Web

06/09/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	NE 68123	Web

06/09/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NH 03109	Web	Servicemember

06/09/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	NJ 08540	Web

06/09/2022	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble closing card	NC 27608	Web

06/07/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	GA 30045	Web

06/07/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	PA 19103	Web

06/06/2022	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	CA 94110	Web

06/06/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	WI 53538	Web

06/06/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	AZ 85262	Web

06/02/2022	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	NY 10040	Web

06/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93291	Web

05/31/2022	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	CA 92831	Web

05/31/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	PA 18966	Web

05/31/2022	Yes	Student loan Private student loan	Dealing with your lender or servicer Need information about your loan balance or loan terms	LA 70506	Web Referral

05/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OR 97206	Web

05/27/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NE 68127	Web

05/26/2022	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	CA 92831	Web

05/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 07060	Web

05/22/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	GA 31211	Web	Servicemember

05/20/2022	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	GA 31907	Web

05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	DC	Web	Servicemember

05/19/2022	Yes	Checking or savings account Other banking product or service	Opening an account Didn't receive terms that were advertised	CA 95630	Web

05/18/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	NY 10309	Web

05/18/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CT 06461	Web

05/16/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TX 77007	Web

05/14/2022	Yes	Checking or savings account Checking account	Managing an account Banking errors	NY 10069	Web

05/12/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	MD 21054	Phone

05/06/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MD 21793	Phone

05/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 31768	Web

05/04/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	OR 97206	Web

05/03/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 91770	Web

05/03/2022	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	CA 92801	Web

05/02/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	MN 56082	Web

05/02/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NY 11226	Web

04/27/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	NE 68134	Web

04/22/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	MN 56082	Web

04/22/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 32607	Web

04/22/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NJ 08854	Referral

04/21/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 91364	Web

04/20/2022	Yes	Money transfer, virtual currency, or money service Virtual currency	Unexpected or other fees	NY 10069	Web

04/20/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	GA 30068	Phone

04/19/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NY 13502	Web

04/17/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	AL 35213	Web

04/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48207	Web

04/14/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 33025	Web

04/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76226	Web

04/13/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	AL 366XX	Web

04/13/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NY 10069	Web

04/12/2022	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	KS 66604	Web

04/09/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	RI 02914	Web

04/07/2022	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	IL 60661	Web

04/07/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 92660	Web

04/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33322	Web

04/06/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NJ 08854	Referral

04/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI 53206	Web

04/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23322	Web	Servicemember

04/01/2022	Yes	Checking or savings account Checking account	Problem caused by your funds being low Bounced checks or returned payments	TX 78501	Web

03/31/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Old information reappears or never goes away	CA 92679	Web

03/31/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	NY 14526	Web

03/30/2022	Yes	Checking or savings account Other banking product or service	Opening an account Account opened as a result of fraud	MI 49424	Web

03/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33172	Web

03/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46060	Web

03/24/2022	Yes	Checking or savings account Checking account	Managing an account Banking errors	NY 10069	Web

03/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21742	Web

03/22/2022	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	NC 27713	Web

03/21/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	OH 44907	Web

03/21/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	AZ 85750	Referral

03/21/2022	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	AZ 85750	Referral

03/20/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 92019	Web

03/18/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	IN 46151	Web

03/15/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	AR 72032	Web

03/15/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NY 11203	Web

03/15/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account status incorrect	SC 29910	Phone

03/15/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	NJ 07675	Web

03/15/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	AR 72032	Web

03/10/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	AZ 85008	Phone

03/10/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	AZ 85396	Web	Servicemember

03/10/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	AZ 85254	Web

03/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89030	Web

03/08/2022	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	NY 10069	Web

03/07/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	WA 98103	Web

03/03/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	WA 98109	Referral

03/02/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	OR 97229	Web

02/26/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	IL 60053	Web

02/25/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MD 21035	Web

02/22/2022	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	NY 11952	Web

02/19/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 77479	Referral

02/18/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 94070	Web

02/17/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MO 64106	Web

02/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 64106	Phone

02/17/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 75243	Web

02/16/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 95020	Web

02/16/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	FL 34711	Phone

02/16/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	NY 10473	Web

02/16/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	HI 96720	Referral

02/15/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 19128	Web

02/10/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	NC 28215	Web

02/09/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	PR 00729	Web

02/08/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	WY 82801	Referral

02/08/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 92114	Web	Servicemember

02/04/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	PA 17090	Referral

02/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OR 97132	Web

02/03/2022	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	DE 19801	Web

01/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NJ 07060	Web

01/24/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	VA 23228	Web	Older American

01/24/2022	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 90404	Phone	Older American

01/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30634	Web	Servicemember

01/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29036	Web	Servicemember

01/20/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	NY 14850	Web

01/13/2022	Yes	Student loan Private student loan	Getting a loan Confusing or misleading advertising	CA 91786	Web

01/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 17901	Web

01/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95829	Web

12/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 22101	Web

12/30/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 78749	Web

12/27/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MT 59404	Referral

12/23/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NY 10069	Web

12/21/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	NY 11101	Phone	Older American

12/20/2021	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	IL 60953	Web

12/20/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	WA 98424	Referral

12/17/2021	Yes	Student loan Private student loan	Dealing with your lender or servicer Problem with customer service	NY 11791	Web

12/09/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 79322	Web

12/07/2021	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	GA 30228	Phone

12/03/2021	Yes	Student loan Private student loan	Getting a loan Problem with the interest rate	CA 92692	Web

11/30/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	MD 21228	Referral

11/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10473	Web

11/19/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	MD 21163	Web

11/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95829	Web

11/13/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	CA 94114	Web

11/03/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	IL 60614	Web

11/01/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	XXXXX	Web

10/28/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	IL 60123	Referral

10/26/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	IL 60601	Web

10/25/2021	Yes	Student loan Private student loan	Getting a loan Denied loan	AK 99559	Referral

10/22/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PA 17701	Web

10/21/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	MD 21237	Web

10/21/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	MD 21237	Web

10/20/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	PA 19081	Web

10/19/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	TX 77584	Phone

10/16/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	CA 94124	Web

10/12/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 95965	Phone

10/09/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	IL 61801	Web

10/06/2021	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	CA 95818	Web

10/04/2021	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	OH 45250	Web

10/04/2021	Yes	Checking or savings account Checking account	Closing an account Can't close your account	OH 45250	Web

09/30/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	MD 21237	Web

09/26/2021	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	MI 48169	Web

09/24/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	IL 60661	Web

09/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 07036	Web

09/09/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	CA 92555	Web

09/09/2021	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account status incorrect	CA 95472	Web

09/09/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	NY 11901	Referral

08/17/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	VA 22026	Web	Servicemember

08/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91205	Web

08/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77546	Web

07/16/2021	Yes	Money transfer, virtual currency, or money service Virtual currency	Confusing or missing disclosures	IL 60610	Web

07/16/2021	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	MO 63957	Referral

07/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Received unwanted marketing or advertising	NY 11210	Web

07/12/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	NY 11365	Web

07/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 94030	Web

07/09/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	AZ 85086	Referral

07/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94066	Web

07/08/2021	Yes	Student loan Private student loan	Getting a loan Confusing or misleading advertising	NE 68128	Web	Older American

07/03/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	SC 29210	Web

06/24/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	NY 11365	Web

06/22/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	AZ 85086	Referral

06/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91205	Web

05/27/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	UT 84105	Web

05/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02145	Web

05/24/2021	Yes	Payday loan, title loan, or personal loan	Improper use of your report Credit inquiries on your report that you don't recognize	OH 44446	Phone

05/24/2021	Yes	Payday loan, title loan, or personal loan	Improper use of your report Credit inquiries on your report that you don't recognize	OH 44446	Phone

05/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IA 50314	Web

05/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 18011	Web

05/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	CA 95829	Web

05/09/2021	Yes	Checking or savings account Checking account	Closing an account Can't close your account	IL 606XX	Web

05/08/2021	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	IL 60044	Web

05/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	VA 22202	Web

04/27/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	WV 25404	Phone

04/21/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NJ 07305	Web

04/20/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	IL 60005	Web

04/09/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	MA 02128	Web

04/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85009	Web	Servicemember

03/29/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	VA 20176	Web

03/27/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MD 21158	Web

03/12/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	CA 90638	Web

03/04/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75209	Web

03/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 10469	Web

03/02/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 93011	Phone	Servicemember

03/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98059	Web

02/27/2021	Yes	Checking or savings account Other banking product or service	Opening an account Unable to open an account	MD 21117	Web

02/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	IN 47905	Web

02/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98059	Web

02/12/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	CA 92064	Web

02/11/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30043	Web

02/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07036	Web

02/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OK 73003	Web

02/10/2021	Yes	Checking or savings account Other banking product or service	Opening an account Didn't receive terms that were advertised	NV 89014	Web

02/02/2021	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	GA 30328	Web

02/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MO 63304	Web

01/24/2021	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	KS 66219	Web

01/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	RI 02864	Web

01/20/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	WA 98004	Web

01/17/2021	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	CA 92056	Web

01/14/2021	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	WA 98682	Referral	Servicemember

01/12/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	OR 97838	Web	Servicemember

01/11/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NC 28203	Web

01/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02145	Web

01/06/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MN 55113	Web

01/06/2021	Yes	Student loan Private student loan	Incorrect information on your report Account status incorrect	OK 73003	Web

01/04/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	OR 97838	Web	Servicemember

12/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MA 02145	Web

12/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77584	Web

12/14/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card		Phone

11/19/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	OH 44133	Web

11/09/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 90804	Web

11/01/2020	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	MN 55114	Web

10/22/2020	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	MN 55114	Web

10/21/2020	Yes	Student loan Private student loan	Getting a loan Qualified for a better loan than the one offered	CT 06514	Web

10/13/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 92024	Web	Servicemember

09/25/2020	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	TX 78258	Web

09/08/2020	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	VT 05251	Web

09/02/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	KY 40444	Web

08/24/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 76248	Web

07/31/2020	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	VA 20121	Web

07/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10701	Web

07/30/2020	Yes	Checking or savings account Checking account	Managing an account Banking errors	VA 23322	Web	Servicemember

07/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 21236	Web

07/13/2020	Yes	Student loan Private student loan	Struggling to repay your loan Problem lowering your monthly payments	VA 22301	Referral

07/10/2020	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Problem lowering your monthly payments	OR 97149	Postal mail

07/09/2020	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	CA 91731	Web

07/02/2020	Yes	Student loan Private student loan	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92867	Web

06/26/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OK 73107	Referral

06/03/2020	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	PA 17602	Web

05/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80239	Postal mail

05/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23230	Web

05/01/2020	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	FL 34668	Referral

04/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AZ 85262	Web

04/23/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	CA 94553	Web

04/10/2020	Yes	Student loan Private student loan	Getting a loan Fraudulent loan	MA 02115	Web

04/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95111	Web

04/03/2020	Yes	Student loan Private student loan	Getting a loan Denied loan	MA 02115	Referral

03/30/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11706	Web

03/30/2020	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	TX 78745	Web

02/26/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit		Phone

02/26/2020	Yes	Money transfer, virtual currency, or money service Virtual currency	Money was not available when promised	IL 60661	Web

02/25/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NC 27215	Web

02/22/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 93004	Referral

02/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43064	Referral

01/30/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	OR 97214	Web

01/15/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	TX 75040	Postal mail

01/09/2020	Yes	Student loan Private student loan	Getting a loan Confusing or misleading advertising	MO 65721	Web

01/03/2020	Yes	Student loan Private student loan	Getting a loan Denied loan	MN 55124	Web

12/30/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76528	Postal mail

11/27/2019	Yes	Student loan Private student loan	Getting a loan Confusing or misleading advertising	NY 10003	Referral

11/12/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	OH 43201	Referral

10/02/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CO 81506	Web

09/30/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	AZ 85032	Web

09/26/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	UT 84066	Postal mail

09/19/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	OH 44236	Web	Servicemember

09/16/2019	Yes	Student loan Private student loan	Struggling to repay your loan Can't temporarily delay making payments	WA 98409	Web	Servicemember

09/15/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MD 21769	Web	Servicemember

09/10/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	GA 30033	Web

09/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95490	Web

08/21/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MD 21769	Web	Servicemember

08/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33186	Web

08/01/2019	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	IL 604XX	Web

06/30/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MO 63147	Web	Older American

06/26/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	SD 57106	Web

06/19/2019	Yes	Money transfer, virtual currency, or money service Debt settlement	Problem with customer service		Phone

05/29/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 20120	Postal mail

05/28/2019	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised		Phone	Older American

05/24/2019	Yes	Checking or savings account Checking account	Managing an account Banking errors	NC 28314	Referral

05/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44146	Web

05/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44146	Web

05/11/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	PA 18404	Web

05/08/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 33409	Web

05/07/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33181	Referral

04/11/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	VA 23235	Web

04/11/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	WA 98028	Referral

04/10/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals		Referral

03/28/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	GA 30643	Web

03/28/2019	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	CA 90027	Referral

03/26/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals		Phone

03/15/2019	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	CA 94558	Referral

01/25/2019	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	MN 55710	Web	Servicemember

12/20/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48335	Web

12/14/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48335	Web

12/08/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Improper use of your report Reporting company used your report improperly	MI 48335	Web

11/23/2018	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Problem lowering your monthly payments	DC 20011	Referral

10/27/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48335	Web

10/25/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48335	Web

10/24/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60653	Web

10/17/2018	Yes	Student loan Private student loan	Getting a loan Problem with the interest rate	TX 76020	Web

09/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	NY 10583	Web

09/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 78259	Web

08/24/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 90650	Web

07/22/2018	Yes	Student loan Private student loan	Getting a loan Confusing or misleading advertising	MD 20815	Web

07/10/2018	Yes	Student loan Private student loan	Getting a loan Problem with signing the paperwork	IL 60657	Web

06/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11530	Web

05/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92126	Web	Servicemember

05/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90807	Web

05/09/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan		Phone

05/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CT 06810	Web

04/09/2018	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	NY 10016	Web

04/05/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	NY 12211	Referral

04/03/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for		Phone

03/14/2018	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	VA 24018	Web

02/26/2018	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CT 06807	Web

02/21/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	CA 91320	Postal mail

02/06/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	WI 53044	Web

01/17/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	TX 75230	Web

01/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11758	Web

12/08/2017	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	WA 98402	Web	Servicemember

12/05/2017	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	NY 10014	Web

11/30/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments		Postal mail

11/25/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	NY 11758	Web

11/07/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	NY 10990	Web

10/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NM 87106	Web

10/04/2017	Yes	Student loan Private student loan	Struggling to repay your loan Can't get other flexible options for repaying your loan	PA 19130	Web

09/28/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	GA 30306	Web

09/22/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	MI 48236	Web

09/03/2017	Yes	Student loan Private student loan	Getting a loan Confusing or misleading advertising	NC 27410	Web

09/02/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	TX 77410	Web

08/02/2017	Yes	Student loan Private student loan	Getting a loan Problem with the interest rate	GA 30043	Web

07/30/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	DC 200XX	Web	Servicemember

07/19/2017	Yes	Student loan Private student loan	Dealing with your lender or servicer Problem with customer service	FL 33062	Web

06/13/2017	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	MO 64112	Web

06/11/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 94114	Web

06/07/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	FL 33556	Web

06/01/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit		Phone

05/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34102	Web

04/20/2017	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	OR 97408	Referral

04/05/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	VA 22043	Web

04/04/2017	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	NY 11222	Web

02/24/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 93225	Web

01/04/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	VA 22192	Web

12/07/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	NJ 07960	Referral

11/15/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	SD 57108	Web	Older American, Servicemember

11/09/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	IL 60615	Web

10/29/2016	Yes	Student loan Non-federal student loan	Can't repay my loan Can't temporarily postpone payments	TX 77025	Web

10/03/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	OH 43220	Web

10/03/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	OH 43220	Web

09/13/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 92555	Web

07/11/2016	Yes	Student loan Federal student loan servicing	Can't repay my loan Can't decrease my monthly payments	IL 61822	Referral

06/16/2016	Yes	Student loan Non-federal student loan	Getting a loan Qualify for a better loan than offered	NJ 08062	Web

06/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NJ 07828	Referral

04/19/2016	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	DE 19808	Referral

04/05/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	PA 19128	Web

03/25/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	FL 33487	Web

03/24/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	MN 55405	Web

03/19/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 90046	Web

02/12/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	TX 77340	Web

01/21/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	CA 94108	Web

01/04/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	PA 19348	Web

01/03/2016	Yes	Student loan Non-federal student loan	Getting a loan Can't qualify for a loan	MI 48017	Web

12/09/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	FL 33647	Web

11/23/2015	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	NY 13211	Referral

10/27/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	ME 04901	Web

05/14/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 93063	Web

05/07/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	MA 02135	Web

03/10/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 94112	Web

02/07/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	CA 94610	Web

02/04/2015	Yes	Student loan Non-federal student loan	Getting a loan Can't qualify for a loan	MI 48073	Web

02/02/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	DC 20001	Web

01/25/2015	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	CA 92108	Web

12/06/2014	Yes	Student loan Non-federal student loan	Getting a loan Qualify for a better loan than offered	CA 91104	Web	Older American

11/18/2014	Yes	Student loan Non-federal student loan	Getting a loan Qualify for a better loan than offered	MD 21234	Web

11/12/2014	No	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	TX 77584	Web

09/27/2014	Yes	Student loan Non-federal student loan	Getting a loan Can't qualify for a loan	OR 97116	Web	Servicemember

08/15/2014	No	Student loan Non-federal student loan	Getting a loan Qualify for a better loan than offered	DC 20001	Web	Servicemember

04/16/2014	No	Student loan Non-federal student loan	Getting a loan Can't qualify for a loan	TX 78258	Web

03/13/2014	Yes	Student loan Non-federal student loan	Getting a loan Can't qualify for a loan	NY 11233	Web

02/09/2014	Yes	Student loan Non-federal student loan	Getting a loan Can't qualify for a loan	MD 20603	Web

12/30/2012	Yes	Student loan Non-federal student loan	Getting a loan	NY 10001	Web