Consumer complaint received 2024-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Order was placed online with XXXX for a piece of furniture. The order showed shipped and was tracked to my building ( according to XXXX ) and the driver indicated that he met " with the cust9mer '' for delivery. Not possible as I was physically possible work records, vehicle GPS and the fact that I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX makes that statement unrealistic. XXXX requested that I was several addition days citing sometimes deliveries do arrive after the information provided. I was in conversation with XXXX most of the day and at XXXX had actually requested that the delivery be attempted the following day. XXXX reluctantly agreed to process a refund for the failed delivery and provided a laundry list of specific things to do including obtaining a police report. Over the course of the next several weeks, I provided numerous documents to XXXX and, in fact, has to work with detectives because they wanted certain verbage and some of their request were redundant but nonetheless completed. XXXX from go always maintained the Police Reports were fraudulent even though they the actually email containing the link was provided and makes their argument fall upon deaf ears. I finally contacted my bank on XX/XX/year> and filed a claim because at the end of the day, I paid ( slightly under {$400.00} for something for something I did not receive. The bank assured me they would look into it and may have but no respect is being paid to Reg 'E '. SoFi ( my bank ) is providing with erronous dates and has stated they have 45 ( and up to 90z ) to investigate. I agree, they do. However in understanding of the Reg is that if they are not able to resolve it within the initial 10 business day, and the wish to continue to investigate, Reg E has the provisional clause where by the bank is to issue a provisional credit. The bank says " no '', " no way '', " no how ''. No. No. No. Insisting that I have it wrong. Also, a lost my wallet and timely reported to credit card issuer as well as SoFi. The information was provided per their Terms ajnd Conditions ( I notified customer support via chat and followed up with them by letter which was posted that night. There were no pending transaction on my account. Howver the following day there was which was process and paid by the bank and 2 days after it was done again. When asked why and how that is authorized and a card was reported lost? Again, the representative had no logical answer. What is clearly evident is that someone is providing erronous information to banking personnel ( who should clearly know banking regulations and that tantamont to a XXXX XXXX XXXX XXXX to make be believe something that I know is not correct. Intentional violation of the law for which I think an indepth review of the policies and pracitces are obviously warranted. I have a limited amount of income and {$400.00} dollars pays a bill or two .... but not anytime in ther near futire deal with SoFi. There has to be a penalty for this action they have done and I question how many more people are being messed over by their illegal acts.

Company response to consumer: Closed with explanation