Consumer complaint received 2025-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
XXXX XXXX {$10000.00} funds applied to XXXX  account ending in XXXX Inbox XXXX XXXX XX/XX/XXXX, XXXX ( 3 days ago ) to XXXX Hi XXXX, Just wanted to mention again, when Sofi retrieves the funds please send them to the XXXX XXXX  checking account ending in XXXX where the {$4100.00} were sent and received. 

Thank you, XXXX XXXX XXXX XX/XX/XXXX, XXXX ( 3 days ago ) to me XXXX XXXX XXXX 
Resolution Specialist SoFi Bank N.A. 
Tel : XXXX XXXX XXXX XXXX : Tuesday-Saturday XXXX XXXX  - XXXX XXXX  MST The information contained in this email message is PRIVATE and intended only for the personal and confidential use of the recipient named above. If the reader of this message is not the intended recipient or an agent responsible for delivering it to the intended recipient, you are hereby notified that you have received this message in error and that any review, dissemination, distribution or copying of this message is strictly prohibited. If you have received this communication in error, please notify us immediately by email, and delete the original message. 


The information contained in this email message is PRIVATE and intended only for the personal and confidential use of the recipient named above. If the reader of this message is not the intended recipient or an agent responsible for delivering it to the intended recipient, you are hereby notified that you have received this message in error and that any review, dissemination, distribution or copying of this message is strictly prohibited. If you have received this communication in error, please notify us immediately by email, and delete the original message. 


XXXX XXXX Attachments XXXX ( XXXX minutes ago ) to XXXX XX/XX/XXXX XXXX XXXX Thank you for calling me on XX/XX/XXXX at XXXX PST with regard to my personal debt consolidation loan funding concerns and complaints dating back XX/XX/XXXX and thank you for returning my calls on XX/XX/XXXX at XXXX PST and supplying me with your email address. please note, on XX/XX/XXXX we discussed the XXXX XXXX  checking account {$4100.00} dollar funds being sent to my bank on the XXXX and deposited into my XXXX XXXX  checking account ending in XXXX on the XXXX! We discussed the Sofi XXXX XXXX  personal loan ending in XXXX {$10000.00} funds unable to track on my end with XXXX XXXX  via an ACH XXXX digit trace ID #. We discussed credit card information being unable to be input pre, during and post application process and even now that my Sofi account is established and I'm acquiring daily accruing interest on the {$22000.00} I've borrowed ( including the Sofi {$1100.00} loan origination fee ) the XXXX website does not allow me to input the identification numbers of my XXXX XXXX  credit card I am actively trying to payoff and consolidate with this loan! We discussed XXXX having and being granted full access to my XXXX XXXX  account information in its entirety from the inception of my loan. We also discussed me requesting the {$10000.00} funds being deposited into my XXXX XXXX  checking account ending in XXXX within 10 business days of the loan funding date! Please note my call logs to the XXXX call center on XX/XX/XXXX at XXXX PST for a duration of XXXX minutes, XX/XX/XXXX at XXXX duration XXXX minutes, XX/XX/XXXX at XXXX duration XXXX minutes and XX/XX/XXXX at XXXX for XXXX minutes. 

Additionally please note my call logs to Sofi on XX/XX/XXXX at XXXX PST and XXXX PST. My redundant concerns and complaints continued to Account XXXX XXXX regarding me not knowing where my XXXX funds allegedly paid to XXXX XXXX  on the XXXX ( allegedly the same day the {$4100.00} were deposited into my XXXX XXXX  checking account ending in XXXX ) were, a Sofi loan payment confirmation number of XXXX sent to me on the XXXX ( later determined untraceable on XXXX XXXX  end ) and being unable to input my XXXX XXXX  credit card number for Direct Pay payoff during this loan origination process. Call logs to Sofi continuing XX/XX/XXXX at XXXX PST for XXXX minutes to call center employee XXXX escalating to Account XXXX XXXX expressing my concerns for this loan payment being delayed with regard to the Sofi system not acknowledging the inputting of Credit Card information for Direct Pay and instead advancing consumers through the loan application origination process automatically populating Credit Card information as " Personal Loan XXXX, '' attached as Exhibit XXXX below! This is the way your Sofi system set up and processed my loan, beyond my control, delaying full payment of my funds! My conversations with XXXX, XXXX and XXXX illustrate this XXXX unnecessarily confusing, complicated, difficult and prolonged loan funding process ; all the while no one from Sofi has been able to provide an ACH XXXX Digit Trace ID Number, a legal financial transaction receipt I have been requesting from Sofi since XX/XX/XXXX ; while Sofi continues to advertise on my local XXXX XXXX cable network as a personal loan debt consolidation company. 

My call logs to Sofi continued on XX/XX/XXXX at XXXX PST for XXXX minutes speaking to call center employee XXXX, again asking for the ACH XXXX Digit Trace ID #. XX/XX/XXXX via the online chat feature to XXXX at XXXX requesting the same information. Again on XX/XX/XXXX at XXXX PST for XXXX minutes to call center employee XXXX requesting the ACH XXXX Digit Trace ID #, myself being transferred to Escalation XXXX XXXX and again requesting the ACH XXXX Digit Trace ID # that I XXXX locate the {$10000.00} remaining funds I am continually being told were sent XXXX XXXX  on the XXXX! As Monday is the XXXX business day post my loan funding date and I have made all attempts to retrieve and track my {$10000.00} funds from Sofi to no avail, I am sending you this email to request my {$10000.00} funds be immediately dispersed into my XXXX XXXX checking account ending in XXXX without further delay, or a check for the {$10000.00} be mailed to me, XXXX XXXX mail, via my mailing address on file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NV XXXX! Please note my call log from XX/XX/XXXX at XXXX PST. At XXXX minutes and XXXX seconds into this call with Sofi Account Manager XXXX, XXXX stated I would still receive the .25 % discount for the XXXX XXXX option. I also called the XXXX call center ( on a recorded line as Sofi does per page XXXX XXXX XXXX of my contract ) at ( XXXX ) XXXX on XX/XX/XXXX at XXXX PST and spoke to call center XXXX XXXX who confirmed, if half of the loan amount is used to XXXX XXXX a credit card, the customer will be entitled to a .25 % discount on their loan rate! As this XXXX XXXX delay is a Sofi error, I am respectfully requesting Sofi continue to honor my additional .25 % discount for XXXX XXXX as I was initially directly attempting to consolidate {$10000.00} of my XXXX XXXX  credit card ending in XXXX debt as documented during my extensive phone calls to Sofi initiating on the XXXX! Concluding, it is your application process which prompts consumers to enter their credit card information for these XXXX XXXX personal debt consolidation loans when a consumer is attempting to pay off a credit card, errors by not accepting the consumer 's credit card information and then automatically advances the consumer into this delayed loan payment process! 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX

Company response to consumer: Closed with monetary relief