Consumer complaint received 2024-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
I am a new member to the bank and unfortunately Ive already ran into some issues with unauthorized transactions. I do play in XXXX XXXX so it is of course on my phone. I suffer from XXXX and XXXX XXXX so I rarely ever leave my home ( Phone had no password and passwords saved in app ). However on XX/XX/year>, I made my way to a local XXXX  XXXX  with a couple friends and had a few drinks. It wasnt until I got home I realized I did not have either my phone or my wallet if that didnt make me feel XXXX  and XXXXXXXX XXXX XXXX XXXX already I tried calling the XXXX XXXX and they were already closed. I went ahead and called them the following morning and they unfortunately did not have anything turned into them. 

On XXXX  or XXXX  XXXX my kids saw someone put something in our mailbox and it was someone who dropped off both my phone and my wallet. It was once when I contacted the bank I realized debit and credit cards were missing. My phone was dead so I wasnt aware of any charges until I turned my phone on and saw requests from my credit cards asking if I authorized certain purchases ( I did not ). 

I immediately started contacting each bank and credit card and filed disputes for each of them for those few days which the majority of the charges were all done on 1 day but could not pinpoint as they were all pending charges. The bank said they would need XXXX business days to thoroughly investigate the dispute which is understandable. However XXXX XXXX XXXXXX/XX/XXXX being XXXX XXXX of the dispute I have already been denied and told that they are not unauthorized charges. 

I would like to know why it is My bank whom is supposed to protect my interest is denying a credible and hugely financial burden dispute of unauthorized charges when there is absolutely no way I can be responsible for those charges as I was not in possession of either my wallet or my phone when these charges occurred. My phone was more than likely used to deposit/transact with XXXX but I have never spent that kind of money or would ever risk losing everything after I just deposited checks and transfers a day or XXXX before and submitted payments to my mortgage and other debts. How in XXXX single day can both DraftKings and MY bank whom is supposed to protect me and fight for me throughly investigating my disputes of {$7400.00} in XXXX business day and tell me XXXX  can 100 % prove I myself made these transactions and therefore I should be subject to paying for theft? I hope we can figure something out because I was already XXXX XXXX XXXX XXXX  but to hear back from my bank on day XXXX to tell me they basically dont care about me but they choose to take the word or whatever from the company that accepted unauthorized theft charges? 


I hope they Completed & Closed this dispute by accident and have every intention on following through with the dispute to be sure they make sure those unaithkrized charges are returned to me.

Company response to consumer: Closed with explanation