Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #17939302
Complaint Overview
Complaint ID: 17939302
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: Connecticut
ZIP Code: 06405
Date Received: 2025-11-26T12:00:00-05:00
Date Sent to Company: 2025-11-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
What Happened I filed a dispute with XXXX for an unauthorized XXXX transaction on XX/XX/year> for {$78.00}. XXXX provisionally credited me, and then reversed the credit based solely on XXXX representment packet, which only contained delivery photos, route maps, and order counts. It did not contain any evidence that I authorized the transaction. The merchant packet showed the order was placed from XXXX, XXXX, Massachusetts. I reside in XXXX and was in XXXX at the time of the transaction. XXXX did not evaluate this discrepancy or ask me to verify my location. This alone should have triggered a reinvestigation under Regulation XXXX. Evidence the Merchant Provided Was False or Misleading XXXX claimed I had placed " XXXX orders '' and XXXX successful orders to this address. This is false. My actual XXXX order history ( which I sent to XXXX ) shows XXXX total orders, including XXXX to my address, and a prior successful chargeback, meaning not all were successful as the merchant represented. XXXX did not evaluate this contradictory evidence in their appeal decision. They simply affirmed the original denial without addressing the inaccuracies in the merchant packet. Evidence the Merchant Failed to Address I immediately tried to correct the situation by contacting : the driver the restaurant XXXX support None of this mitigation was acknowledged in their representment. XXXX also ignored this during the appeal. Regulation Violations XXXX : Relied solely on a merchants delivery data to deny a claim about authorization Ignored contradictory evidence provided by the consumer Failed to investigate unauthorized location/IP data Denied an appeal without evaluating new evidence This violates 12 CFR 1005.11 ( a ) ( 1 ) ( ii ), ( c ) ( 4 ), and ( d ) under Regulation XXXX. What I Want I am requesting : A full reinvestigation of my dispute A reversal of XXXX denial A refund of the unauthorized transaction A written explanation of how XXXX evaluates consumer-provided evidence under XXXX XXXX
Frequently Asked Questions
What is Complaint #17939302 about?
Complaint #17939302 was filed against Sofi Technologies, INC. regarding Checking or savings account specifically about Problem with a lender or other company charging your account. It was received by the CFPB on 2025-11-26T12:00:00-05:00.
How did Sofi Technologies, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against Sofi Technologies, INC.?
Yes, visit the Sofi Technologies, INC. company profile at readthecomplaint.com/company/sofi-technologies-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.