Consumer complaint received 2025-08-26 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: MN

Complaint narrative:
On XX/XX/XXXX, I received a call that showed on my caller ID as coming from SoFi Bank. The agent said there had been attempted unauthorized transactions to my account. They said they denied the transaction but that they whoever did it was actively trying to access my account. They stated they needed to deactivate the account because since they were actively in my account they would have my password if I just changed it. The text messages they sent to me came through on an active thread of legitimate text messages that I had received from SoFi. I am still confused by exactly how they explained things but at the time it made sense. This was all happening so quick. They got me to transfer three different amounts {$300.00}, {$1000.00} and {$570.00} to XXXX XXXX and then do a " reversal transaction '', which should have put the money back to my account. The call was then disconnected. I had ignored the red flags, and once the call ended I realized I had just been scammed. This happened around XXXX and by the time the call was disconnected SoFi customer service was closed. I immediately called the next morning to report this. I have gotten nothing but the runaround from SoFi and absolutely no answers. However, the scammers have not stopped. I have received more calls always coming from the SoFi which is shown on the website. On Wednesday XX/XX/XXXX, They called and said someone is still actively trying to access my account and that the previous process wasn't completed and that is why my money has not been returned. She specifically told me there are restrictions on my account and to not log on or do anything so the process can run. After I hung up with her, I immediately changed my password again and called SoFi. Again, they have no knowledge of any of this and can not provide me any information regarding my previous report. The same woman called back again on the XXXX and I asked her if this is legitimate how come when I call SoFi no one can provide me any information. Each conversation she was applying more pressure to comply with her instructions. She said she worked in a department that was higher up in SoFi dealing with investigations and that the normal agents didn't have access. This time she wanted me to delete the SoFi app as she said my app was compromised and to not do anything until she called me back in 24 hours. Once again I immediately changed my password. She said my account was part of a larger investigation and asked if I wanted to press charges. Before she has called me I have gotten a text from SoFi saying that a Representative is attempting to contact me. I have lost all trust in SoFi as I can't believe that whomever I am talking to is actually from SoFi. I get severe anxiety now with any communication from SoFi. I feel very stupid for falling for this and ignoring red flags but with the initial contact it really seemed legit and once the red flags started I unfortunately ignored them. However, all I have gotten from SoFi is really just bounced around. I was first told nothing could be done until the XXXX XXXX transactions posted. Then I was sent to another department because it wasn't really a dispute but fraud. I am so confused and lost. I just want my money returned and to be done with SoFi. I have opened a new account with a local Credit Union and am in the process of moving my money from SoFi ( My direct deposits go there so it is a process ). I have found many instances of this type of scam with SoFi on XXXX. A lot of my anxiety could have been reduced if someone from SoFi had straight up told when I first reported this that yes, we have had reports of this kind of scam happening. As much I now know I have been scammed, there was always a small part of me not sure and maybe this is legit. These scammers had so much of my information including the last 4 digits of my new debit card and the amounts of my upcoming deposits.

Company response to consumer: Closed with monetary relief