Consumer complaint received 2026-05-27 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: NY

Complaint narrative:
I am filing this complaint regarding multiple denied dispute claims with SoFi ( Claim Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) for transactions totaling {$150.00} made with the merchant WHATNOT between XX/XX/year>, and XX/XX/year>. SoFi denied these claims, stating " no error occurred, '' failing to investigate the underlying mechanics of a sophisticated digital bait-and-switch operation. The merchants operation relies on active backend inventory manipulation to defraud consumers. The operation functions as a rigged game : Backend Inventory Manipulation ( The Changing List ) : The platform distributes purchases through a digital randomization list. During the live broadcast, the merchant explicitly displays high-value items to solicit transactions. However, while purchases are actively processing, the merchant secretly alters the backend digital inventory list. By deleting the advertised high-value items from the available pool mid-sale, the merchant mathematically reduces the odds of a buyer receiving those items to zero. Distribution of Undisclosed Items : Because the advertised items are removed from the system, buyers are systematically mailed unadvertised, nominal-value items. These items were never displayed on screen during the broadcast and were never disclosed as potential outcomes prior to purchase, constituting an illegal, undisclosed " floor. '' Fabricated Conclusion ( The Cover-up ) : To evade detection by the platform 's compliance monitors, the merchant waits until the conclusion of the broadcast to open arbitrary packs of irrelevant characters on camera. This acts as a deceptive finale to falsely represent the event as a legitimate, randomized game, despite the advertised items having been removed from the inventory pool long before. Public Documentation of Fraud : I initiated these transactions in good faith, believing I was purchasing the inventory actively advertised. Post-transaction, independent research into public consumer forums revealed that I was the victim of a widely documented, systematic scam. Public consensus confirms these exact mechanicsthe " changing list, '' the " undisclosed floor, '' and the " fake finale '' are known tactics used to defraud buyers on the platform. This operation strictly violates XXXX 's Surprise Sets Policy and Gambling Policy, which explicitly prohibit the alteration of odds mid-sale, the manipulation of inventory, and the use of undisclosed goods. How to review the evidence : SoFi closed the investigation solely because the charges were authorized, neglecting to evaluate the fraudulent mechanicsspecifically the backend inventory manipulationused to secure the authorization under false pretenses. My claim files and the associated merchant screenshots demonstrate that the merchant exclusively advertised high-value items, which directly contradicts the undisclosed, nominal items I received. Desired Resolution : I request that SoFi escalate these claims to a supervisor, review the publicly documented mechanics of the merchant 's inventory manipulation, and issue a permanent credit to my account for the total disputed amount of {$150.00}.

Company response to consumer: Closed with explanation