Payday loan, title loan, personal loan, or advance loan -- Getting the loan -- Complaint #18757719
Complaint Overview
Complaint ID: 18757719
Company: Sofi Technologies, INC.
Product: Payday loan, title loan, personal loan, or advance loan
Sub-Product: Installment loan
Issue: Getting the loan
State: Arkansas
ZIP Code: 72762
Date Received: 2025-11-21T12:00:00-05:00
Date Sent to Company: 2026-01-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I applied for a personal loan with SoFi and submitted all required documentation, including my Employment Authorization Document ( EAD ) category XXXX, which is the correct EAD type for asylees ( individuals who have been granted asylum ). In XX/XX/year>, XXXX 's support team requested that I submit an Employment Authorization Card with category XXXX. I explained multiple times that this request is impossible to fulfill because XXXX EADs are specifically issued to asylum seekers/applicants, not to asylees. My asylum application was granted, making me an asylee, which means I am only eligible for an XXXX EAD - the document I had already provided. Despite clearly explaining this distinction and the legal impossibility of providing a XXXX EAD when I hold asylee status, the SoFi representative named XXXX insisted that I must submit a XXXX EAD to proceed with my application. When I asked directly - multiple times - whether they truly required me to submit a document I am not legally eligible to possess, the representative confirmed " Yes, you are required to submit the XXXX EAD. '' This appears to be discrimination based on my immigration status and national origin. SoFi is demanding documentation that is legally impossible for me to provide given my status as an asylee, while refusing to accept the correct and valid documentation ( XXXX EAD ) that I have already submitted. This creates an insurmountable barrier to obtaining a loan based solely on my immigration classification, which violates the Equal Credit Opportunity Act. The support representatives demonstrated a lack of understanding of U.S. immigration law and employment authorization categories, and despite my repeated explanations, they maintained their incorrect position, effectively denying my application based on impossible documentation requirements.
Frequently Asked Questions
What is Complaint #18757719 about?
Complaint #18757719 was filed against Sofi Technologies, INC. regarding Payday loan, title loan, personal loan, or advance loan specifically about Getting the loan. It was received by the CFPB on 2025-11-21T12:00:00-05:00.
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 (Payday loan, title loan, personal loan, or advance loan) 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.