Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: SC

Complaint narrative:
I have not received a refund of approximately {$3000.00} that was deposited into my SoFi Bank checking account before the account was closed. Despite contacting XXXX customer service numerous times over the past XXXX months, they have failed to provide any resolution or valid explanation. 

Below are the details and history of this issue : XXXX XXXX Routing Number : XXXX Account Number : XXXX Complaint Number : XXXX ( issued by XXXX on XX/XX/year> ) I held the above-mentioned account at SoFi Bank XXXX In XX/XX/year>, I received my monthly paycheck of {$3000.00} from my employer, XXXX XXXX, in the form of a paper check. Since it was my first time depositing a check into my XXXX account, XXXX did not allow me to deposit it. 

I therefore asked my colleague, XXXX XXXX, to deposit the check into his XXXX Bank account and then transfer the same amount to my XXXX account. However, when XXXX made the transfer, he mistakenly listed his own external account as the recipient. It appears XXXX detected this mismatch and flagged the transaction. 

My account was subsequently closed in XXXX 2025, and I lost all access to it through both the app and online platform. XXXX explained that the closure was due to a violation of the terms and conditions, because deposits were made from a different name. 

I repeatedly called XXXX customer service at ( XXXX ) XXXX. During the first call, I was told that the remaining balance would be refunded by check after an investigation that would take several weeks. 
Later, I received a check dated XX/XX/year> for {$11.00}, with no explanation. When I called back, they only said the case was still under investigation. 

On XX/XX/year>, XXXX informed me that no further funds would be returned and that I no longer had the right to inquire about this matter. 

On XX/XX/year>, my companys XXXX Department contacted XXXX for clarification. The representative apologized for the previous response and asked that I call back myself. When I did, I was told that the funds would be returned to XXXX XXXX XXXX account. 

On XX/XX/year>, I received an email from XXXX confirming that my account had been closed and that the money would be returned to the originator. 
In XXXX, I called again and was told the refund was processed on XX/XX/year>, and I was provided with a transaction number. However, when XXXX contacted XXXX Bank, they confirmed that the transaction number was invalid and that no refund had been received. 

On XX/XX/year>, XXXX, a XXXX Bank representative, and I called XXXX together. There was still no progress, and XXXX issued Complaint Number XXXX. 
On XX/XX/year>, XXXX XXXX Department called XXXX again. XXXX stated that they could do nothing further because they showed the transfer as completed. When asked to verify where the funds were actually sent, XXXX said they could not provide such information. After we expressed our dissatisfaction, XXXX gave us the following contact to reach for resolution : XXXX XXXX SoFi Bank, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, UT XXXX We sent a detailed letter to the above address to explain the situation, but more than a month has passed and we have received no reply. 

On XX/XX/year>, I received a call from a supervisor named XXXX XXXX XXXX, likely as a result of my previous escalation request. However, he simply stated that the matter could only be handled by their security team, which appears to be the same group as the regular customer service I had already contacted many times. Unfortunately, their customer service agents do not share internal information, so each time I contact them, I have to explain the entire issue again from the beginning. They repeatedly refuse to provide any details, often claiming that I no longer have the right to inquire. 
XXXX, the XXXX representative, and my companys accounting department have all called XXXX numerous timesmore than XXXX times in totalbut received no helpful response. 

I currently have no access to my account, but the remaining balance should be approximately {$3200.00} ( including {$3000.00} from XXXX and {$220.00} from XXXX for expense reimbursement ). 

We urgently request that XXXX confirm whether the {$3000.00} was actually refunded to XXXX XXXX XXXX account. If not, XXXX must ensure that the funds are properly returned to either XXXX or myself. 
At present, it appears that XXXX is unjustly withholding approximately {$3000.00}. 

I would deeply appreciate your assistance in helping to resolve this matter.

Company response to consumer: Closed with explanation