Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I filed a Complaint regarding the " THEFT '' of my " Deposits '' made to the, XXXX Credit Card XXXX that was committed against me by, XXXX CREDIT CARD COMPANY, Complaint Number : # XXXX back on, XX/XX/year>. Since then, I have been contacted by XXXXXXXX XXXX XXXX XXXX via, " Email '' stating to me that the following legally DISPUTED fund 's were in fact " Returned '' back to my Bank, SoFi Bank : XXXX. {$110.00} - Dispute Number : # XXXX. Allegedly XXXX XXXX, XX/XX/year>. And, that i now had to " XXXX - XXXX '' this amount back to my Credit Card. However, since this money was " Never '' Posted back into my account by my Bank, I did not believe them. XXXX. {$95.00} - Dispute Number : # XXXX. Allegedly XXXX XXXX, XX/XX/year>. And, that I also had to " XXXX - XXXX '' this amount back to my Credit Card. However, since my Bank " Never '' Posted this money to my Bank Account either, I still did not believe the XXXX CREDIT CARD COMPANY. XXXX. Then, I received yet another email from XXXX. Now telling me that they have just sent me ( XXXX ) of my ( XXXX ) {$20.00} Disputed Amounts back to my Bank. Dispute Number : # XXXX. And that I now had to " XXXX - XXXX '' this amount back to my Credit Card as well. Totalling : {$230.00}, of my legally DISPUTED {$250.00} that XXXXXXXX XXXX XXXX XXXX claims that they've " RETURNED '' back to my Bank, SoFi Bank. However, SoFi Bank until this very day, has unlawfully " NEGLECTED '' to " POST '' those Returned fund 's back into my Checking Account. They thought that I would not find out. And, I would not have if it had not been for XXXX CREDIT CARD COMPANY reaching out to me by Phone regarding those Returned fund 's. They've instructed me that {$230.00} of my legally DISPUTED {$250.00} has in fact been Returned to, SoFi Bank, and that I now had to repay that amount to my Credit Card ( XXXX ) day 's ago. After, I received yet another illegal " High Credit Usage '' alert due to XXXXXXXX XXXX XXXX XXXX now " ADDING '' those allegedly Returned amounts back to my Credit Card Account. After my XXXX XXXX 's were unlawfully reduced by REVVI yet again, but this time by " XXXX -POINT 'S '' I was forced to " COVER '' those " Re - Payments '' to REVVI CREDIT CARD COMPANY that were " NEVER '' returned to my, XXXX XXXX Account with money " Out of Pocket '', and via, " PAY NEAR ME '' because I no longer Trust, SoFi Bank XXXX Within the last ( XXXX day 's ) I have made the following payments to REVVI in attempts to protect my XXXX XXXX XXXX XXXX unlawfully decreasing due to the Fraudulent " High Credit Usage '' alert that was caused due to, SoFi Bank XXXX XXXX '' all of my Returned fund 's : XXXX. {$50.00} on, XX/XX/year> XXXX. {$29.00} on, XX/XX/year> XXXX. {$100.00} on, XX/XX/year> XXXX. {$100.00} on, XX/XX/year> Totalling : {$280.00} that I have just paid " OUT OF POCKET '' because, SoFi Bank has " STOLEN '' those fund 's allegedly Returned by the XXXX CREDIT CARD COMPANY. And even that wasn't enough. XXXX still claims that I owe them, {$120.00} more. My " XXXX '' Complaint was due to REVVI Stealing my " Payments '' that brought my balance to " XXXX ''. This is where it should be today. But, because SoFi Bank has " STOLEN '' all Allegedly " Returned '' fund 's that REVVI has sent, and XXXX CREDIT CARD COMPANY now " Re - Adding '' those alleged " Returned '' amounts to my Credit Card Account, I have now had to use {$280.00} of my Social Security " Fixed Income '' that is meant to pay my RENT, ELECTRIC, WATER, A/C etc., etc., in order to pay REVVI the money that they Claimed was " Returned '' back to SoFi Bank XXXX This is 100 % - Illegal, and SoFi Bank is going to be " SUED '' as soon as possible for their commission of these " XXXX XXXX 's '' against me. SoFi Bank, now owes me the, {$280.00} that I just had to pay to REVVI, " OUT OF POCKET '' because SoFi Bank has " STOLEN '' my fund 's allegedly " Returned '' by, REVVI and has " NEVER '' Posted a single XXXX back into my Bank Account, as well as SoFi Bank " ALSO '' owing me my, {$230.00} that was allegedly " Returned '' by REVVI but was " NEVER '' Posted into my Bank Account til this very day. Totalling : {$530.00} that I am now owed by SoFi Bank. I DEMAND MY MONEY BACK NOW!!!

Company response to consumer: Closed with explanation