Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #18637958
Complaint Overview
Complaint ID: 18637958
Company: Sofi Technologies, INC.
Product: Checking or savings account
Sub-Product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-Issue: Transaction was not authorized
State: Washington
ZIP Code: 99205
Date Received: 2026-01-11T12:00:00-05:00
Date Sent to Company: 2026-01-11T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I had made a payment to Sofi banking of {$2000.00}. Since this payment was more than the {$790.00} minimum payment due on XX/XX/year>, that was more than enough to fulfill the payment requirements. To avoid auto pay still going through, I had canceled it so it wouldnt charge on XX/XX/XXXX. A few days later, I went to see if I could set up auto payment so the first withdrawal date can be XX/XX/year>. When setting up the auto pay, it had shown that the next withdrawal date would be XX/XX/year>. I also received an email confirming that the next auto pay withdrawal would be XX/XX/year>. I then got an email today saying that there is an auto withdraw payment for XX/XX/year>. I did not authorize them to withdraw this money for this date. I reached out to customer service to explain the situation, they said that because I had scheduled auto pay before the due date that I had already fulfilled with a payment, that thats the reason why its still withdrew. Their solution was to provide a refund seven days from now without any interest associated with that amount. They didnt attempt to look into the situation further to make sure that it doesnt happen again to me or to anyone else. They dont seem to be willing to fix this issue, which is why Im reaching out to you. Since then, I have canceled my auto pay and requested that they apply the payment to the next month, even though it messes up my payments of other expenses. What I would like so I to do is to ensure this doesnt happen again to anybody else. I had to give up my .25 % interest bonus to set up manual payment as they can no longer be trusted with auto pay.
Frequently Asked Questions
What is Complaint #18637958 about?
Complaint #18637958 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 2026-01-11T12:00:00-05:00.
How did Sofi Technologies, INC. respond to this complaint?
The company responded with: "Closed with monetary relief". 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.