Consumer complaint received 2025-01-29 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: UT

Complaint narrative:
The facts areI lost my bank account with you guys because of all these unauthorized charges to XXXX XXXX. There are XXXX of them I believe... Ive NEVER have used XXXX XXXX and I didnt even know what XXXX XXXX was until this dispute. My phone was completely unlocked at the time of my phone being lost. My phone was unlocked with no login code because I have a son that plays games on my phone. I lost my phone in an XXXX going to the hospital with a friend that was staying with me for a while because he was XXXX at moment. I called the phone over and over again. Nobody answered. I tried calling XXXX driver and they didnt answer and so I went to bed. The next day after my friend had left I called the phone and it was answered. The phone was sold to someone online. And I told them what happened and they said that they just bought the phone off the person who was supposed to be my friend. And they offered to me to buy it back for what they paid. When I got it back is when I noticed all the charges. I went to order an uber and it went Through. Then I when went to order a second XXXX is when I realized that my account had been drained so I froze my card and called XXXX and disputed the charges. I also looked into the charges and contacted XXXX XXXX myself and they told me to contact the bank and report the unauthorized charges. They told me they would investigate and then get back to me and they had very poor communication with me. They told me to wait and they would get back to me. Finally i see an email from XXXX saying i need to pay the negative balance in the account or they would be closing my account. I didnt make those charges nor did I authorize them. So my account went negative because someone else did all these back to back charges. On top of that I had all my money in my savings account and I see that my money was transferred from savings to checking as an overdraft. I didnt know it would do that automatically. I kept my money in my savings account to make sure if anyone ever got ahold of my account info. That I would be okay because there wasnt much money in there and if I needed money I could transfer it from my savings to my checking. I wouldnt just keep over drafting my account like that. I really would like to get my hard earned money back from this because its almost {$1000.00} in unauthorized charges and I would like to get my bank account back asap please. Let me know if theres anything else I can do to help in this process. Thank you XXXX is my number and you can also reach me at this email address. 

Thanks XXXX XXXX I also have asked them to reopen my account because they closed my account due to the balance going negative due to fraudulent charges. I reached out to XXXX XXXX and they said to contact the bank because they can not do anything for me as far as refunding my account for my hard earned money. 
I am also a victim of identity theft because I have had multiple accounts opened in my name that i knew nothing about. Ive never had to deal with anything like this so its pretty overwhelming to me and Im learning all this each step of the way.

Company response to consumer: Closed with explanation