Consumer complaint received 2024-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: OR

Complaint narrative:
I had some apps on my phone that got took off XXXX XXXX for violating terms. This deveopler through XXXX different apps were able to charge my card through XXXX. I reached out to XXXX, they refunded some but not the others. After the run around with XXXX  in XXXX i decided to reach out to my bank. I filed the disputes and Sofi said they would investigate.

There was no way to respond to the dispute email with proof until i reached out and complained that i had no way to send documents. Finally once i was able to respond to an email from them this is what i wrote sofi below. They tried to say they investigated and that some claims were closed and there is no way they actually investigated. If they did they would have seen that this deveopler is scamming a lot of people through malware software. Again below is my response to sofi. " I would really appreciate if someone looks through all
the chats and phones calls ive had with sofi to actually get all the information for these claims. I want to make this very clear. The developer had XXXX different apps all of them i used for while. BUT THEN In XXXX they were all tooken off XXXX XXXX  platform for violating there policy by using malicious software, malware, and being able to access peoples phones etc. 
I have the proof from XXXX XXXX. I only took one screen shot when the first one went off then the next day the other XXXX. If you try to find any of the XXXX apps they used you cant even find them anymore. So not only did i lose access to all the content i actually paid for, but then kept getting charges after I didn't even have access to them anymore. Ive tried multiple times reaching out to the deveopler with contact info XXXX  gave me and nothing and the phone number to call goes nowhere. 
If these are truly being investigated yall should see that a bunch of people have been getting hacked by them. A quick XXXX search will show you this deveopler has been hacking a bunch of people. If yall dont actually help me in getting my money back from this scam deveopler, ill probably have to contact the oreon attorney general, cuz this aint right. 
The deveopler which also went under XXXX different names, XXXX XXXX XXXX  was billing as XXXX XXXX XXXX XXXX was billing under some XXXX name, and XXXX XXXX was billing under XXXX. XXXX clearly refunded some and thats because they agreed and i showed them all the proof but then they denied some others saying it wasnt eligible for XXXX protection when they clearly were, because they clearly approved a portion of the others.

Eventually i got tired of dealing with them because they cleary have a bunch of different people touching the claims and each person is making different decisions, it was getting nowhere even though i showed them the
proof they approved the others. That is why I came to my bank for yall to make this right.

A lot of the charges happened in the middle of the night and weird times when i wasnt even awake, and how did they do that, because they had full access of my phone without me knowing it. I had to reset everything on my phone and paid to get malware protection through XXXX so i hopefully can never be hacked again. But
unfortunately this is where its at now.

I need all the charges from that deveopler and under those names back to XX/XX/2024 to be refunded. Again not only did i lose access to all the content i actually paid for before that date, but then after that they were able to fraudulently charge my card up through XXXX  and i never knew. And thats because they had complete acccess to my phone, so i wasnt getting messages or alerts or anything.

Below is the screenshot i took when i realized the XXXX app was gone from my phone. Went in XXXX and was alerted. They disable and delete them from the platform. Which if you go search them in XXXX XXXX you wont find them. The next day the XXXX other ones were taken off too. 
I reached out to XXXX and they confirmed they were XXXX and deleted under XXXX XXXX  rules, but because the charges went through XXXX i had to reach out to them or my bank, so thats what i did. 
This needs to be made right and fixed. '' Since this email back to them i have heard nothing. There intail email says if they cant investigate in XXXX  days they will credit my account and still nothing. The only thing i got back so far is that they denied XXXX out of like XXXX charges because they saw no unauthorized activity. Are you kidding me. 2 factor authentication doesnt matter when someone hacks your phone because hello they can control everything on it. Which i why i wasnt getting notfied of charges. I didnt realize money was missing from my account until i was at the store and my card declined.

S

ince not hearing from them still and no money returned i did a quick search and found it seems as though sofi just denies claims without actually investigating them. I need help getting my money back, over XXXX in charges. Please help. 

I have so many screenshots i dont think it will let me attach them all. Im submitting the emails from sofi showing the inital disputes, an email showing they are denying some and an email from them showing XXXX  had already refund some so they closed the claim. Like i stated there are multiple transactions. So in turn, XXXX  Investigated at first and approved some claims then denied the other ones and i got nowhere. So I reached out to SoFi and they can clearly see that XXXX had already refunded some of them but wouldn't refund the rest and that is the problem, the merchant in question, the developer of these XXXX apps in question, you can not get a hold of. So how they are investigating by reaching out to the merchant is funny because the phone number goes nowhere and no one responds to the emails. This deveopler scammed people by hacking there phones with malware software period. I need help getting my money back as SoFi is at the end of the XXXX  days and i havent heard anything. I bet in a couple more days i get a bunch of denials to my email. I even responded back in chat after the first denial email and told them they same thing above. Either XXXX or SoFi needs to make this right. Im getting nothing but a run around.

Company response to consumer: Closed with explanation