Consumer complaint received 2026-04-06 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: FL

Complaint narrative:
XX/XX/XXXX - date of fraud XXXX date reported to SOFI bank disputes and fraud department XXXX filed report with FTC XXXX police report filed XX/XX/XXXX - fraud claim denied by SOFI XXXX filed for appeal to SOFI bank XXXX XX/XX/XXXX denial from SOFI XXXXXX/XX/XXXX denial from SOFI Companies involved : SoFi bank The following is the police report filed with XXXX XXXX sheriffs office on XX/XX/XXXX XXXX DESCRIPTION DEBIT CARD PURCHASE THROUGH BARCXX/XX/XXXXE SENT FROM SHERIFFS OFFICE NARRATIVE I RECIEVED A CALL AT XXXX WHILE AT WORK FROM A XXXX AND CALLER ID SHOWED " XX/XX/XXXXXXXX XXXX ''. WHEN ANSWERING THE CALL THE PERSON INTRODUCED THEIRSELF AS " XX/XX/XXXXXXXX XXXX FROM THE XXXX XXXX SHERIFFS OFFICE ''. THEY ASKED IF I LIVED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX AND I SAID YES. THEY HAD MY FULL NAME. THEY SAID THAT THERE IS A WARRANT OUT FOR MY ARREST DUE TO FAILURE TO APPEAR TO A SUMMONS THAT WAS SENT TO MY ADDRESS ON XX/XX/XXXX THAT THEY HAD MY SIGNATURE FOR AND THAT I FAILED TO APPEAR TO COURT AND THAT THE JUDGE HAD A CHARGE OF CONTEMPT OF COURT AND THAT I NEEDED TO PAY THE FINE AND THEN COME DOWN TO SHERIFFS OFFICE AND GIVE A SIGNATURE ANALYSIS. THEY TOLD ME NOT TO GET OFF THE PHONE AND THAT I NEEDED TO LEAVE WORK IMMEDIATELY AND DEAL WITH THIS LEGAL MATTER BEFORE IT ESCALATES. THE PERSON ON THE OTHER END OF PHONE SEEMED TO HAVE WHAT SOUNDED LIKE A POLICE SCANNER/RADIO IN THE BACKGROUND AS IT SOUNDED LIKE I WAS SITTING IN A POLICE CAR WITH ALL THE " CALLS COMING THROUGH " WHILE ON THE PHONE WITH THEM. I ASKED WHY I HAD TO STAY ON THE PHONE AND THEY REPLIED " IF YOU GET PULLED OVER WHILE EN ROUTE TO SHERIFFS OFFICE YOU WILL BE ARRESTED ''. I COMPLIED AND LEFT WORK AND MADE MY WAY TO THE NEAREST POLICE STATION, WHICH WAS IN DOWNTOWN XXXX. I LIVE IN XXXX BUT WORK IN XXXX SO I WENT TO THE CLOSEST LOCATION. WHILE EN ROUTE, THE PERSON TOLD ME THAT I NEEDED TO STOP AND PAY THE CITATION AT THE NEAREST XXXX SO THAT I WOULD NOT BE ARRESTED UPON ARRIVAL TO SHERIFFS OFFICE. I STOPPED AT THE FIRST XXXX CLOSEST AND THERE WAS A CITY OF XXXX XXXX CAR AT THE FRONT OF STORE. WITH AN XXXX PRESENT INSIDE WHICH ADDED LEGITIMACY TO THE CURRENT SITUATION AS THE CALLER WAS RADIOING " XXXXXX/XX/XXXX '' OF MY ARRIVAL. ONCE INSIDE I PROVIDED THE CASHIER WITH THE BARCXX/XX/XXXXE THAT WAS SENT TO ME WHICH I HAVE PROVIDED ON THIS REPORT. I PAID THE {$920.00} FOR THE " ALLEGED FAILURE TO APPEAR FINE ''. I ASKED FOR ADDRESS TO POLICE STATION AND HIS BADGE XX/XX/XXXX AND THEN THEY HUNG UP. Merchant Name : XXXX XXXXXX/XX/XXXXXXXX Transaction Date : XX/XX/XXXX Transaction Amount : {$920.00} Transaction Id : XXXX Claim Amount : {$920.00} Claim Date : XX/XX/XXXX Sofi has a XX/XX/XXXXliability policy with fraudulent charges for debit transactions and they have not complied with their own policy. I have provided everything within the XXXX-day reporting requirements and provided documentation per their policy. They have still denied the claim. I have appealed as of the date of this email.

Company response to consumer: Closed with explanation