Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #14911687

Complaint Overview

Complaint ID: 14911687

Company: Sofi Technologies, INC.

Product: Checking or savings account

Sub-Product: Checking account

Issue: Problem with a lender or other company charging your account

Sub-Issue: Transaction was not authorized

State: Oklahoma

ZIP Code: 748XX

Date Received: 2025-07-27T12:00:00-05:00

Date Sent to Company: 2025-07-27T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

There were two fraudulent transactions on my account showing on XX/XX/year> for the amounts of XXXX and XXXX. Once the transactions had became final on my account I immediately disputed them. I reached out to the merchant first through their chat customer support and was advised that they did not save debit card information in their system and I would have to take it up with the bank. I disputed the transactions and was quickly given a temporary credit pending the outcome of the investigation. About 33 days past and I received an email from SoFi stating my complaint had been resolved, they found no error had occurred and they would be debiting the money from my account on XXXX and that if I had any questions or wanted documentation used in their decision process to reach out to them. I requested the documents that were used along with the IP address that was used to make the transactions. The proof that was provided was that my name was used to process the transaction and my email address. No other identifiable information. It showed the partial credit card number which proved the first company was deceitful in telling me they did not store information. They easily attached my email address with the charges because you had to fill out a form in order to speak with their chat customer service. They asked the date of the charges and the amount. If there was nothing they could do for me then they should have not requested any personal information from me. They asked for my name, email address, phone number, and the last four of my social to try to locate an account. I did not provide them with the last two pieces of information, so they just put my email on there when they found my charges and the date. I never received any information about the charges to my email because the email address was obviously added after I contacted them. Also the information provided to me shows charges on two separate days not just one. The IP address information was on the form that was sent to me and it was not my IP address. Considering everything in my home is ran off the same router the IP address should match the one the company has on file which it does not. If just a name and an email address can be provided to support a fraudulent claim without any other sort of information and obviously used at a different location, that is not much of an investigation.

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Disclaimer

This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

Related Pages

• Sofi Technologies, INC. Company Profile
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