Consumer complaint received 2025-09-30 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: KY

Complaint narrative:
In XXXX I was defrauded through three short-term rental scams ( XXXX, XXXX & XXXX, XXXX ) and an earlier XXXX XXXX fraud, all denied by SoFi despite overwhelming evidence. I am XXXX, was harassed, threatened, and hospitalized abroad, and during this time my U.S. home was seized and belongings destroyed. SoFis denials left me with {$2.00}, unable to return home, stranded internationally, and still in medical jeopardy. 

Disputed transactions : XXXX & XXXX XXXX ( XX/XX/XXXX, {$470.00} ) : I suffered a XXXX. The host mocked me, locked me inside, and falsely reported I was on drugs. Hospital records confirm fever XXXX, XXXX XXXX, negative drug screen. SoFi ignored this and sided with the merchants cancel in XXXX hours excuse. 

XXXX XXXX XXXX ( XX/XX/XXXX, {$190.00} ) : This was a scam apartment : no water, no electricity, no heat. The host demanded a cash deposit, threatened me, and XXXX told me to leave the keys at a hotel, then falsely claimed I kept possession. Other guests had reported the same unlivable conditions with this operator, who controls XXXX apartments. XXXX continues to let them list and collect money while harassing renters. SoFi sided with XXXX excuse. 

XXXX XXXX ( XX/XX/XXXX, {$1000.00} + {$76.00} fee ) : Another scam apartment : the hot water system filled the unit with natural gas. I fainted, the host screamed threats ( Do you want me to come over there? ), and XXXX later invented the fan blew out the pilot excuse. I disproved this with video and transcripts. Neighbors and prior renters also reported the same safety problems. The operators told me directly they had more than XXXX apartments. XXXX still lets them operate. I had to flee and required U.S. Embassy assistance. SoFi ignored all this and adopted XXXX  false rebuttal. 

XXXX XXXX transfers ( XXXX {$500.00} + {$500.00} ) : Earlier frauds. SoFis only note was this is civil. 

SoFis knowledge : On XX/XX/XXXX, in a call with XXXX XXXX ( agent XXXX ), I explained my XXXX, hospitalization, eviction, {$2.00} balance, and all three scams. She confirmed SoFi saw my uploaded evidence ( emails, transcripts, hospital documents ) and promised re-review. Despite this, SoFi later closed all cases with no error citing none of my evidence to the contrary including video and audio recordings of the threatening hosts and blatant proof of the uninhabitable apartments, including calls with XXXX and XXXX who urged me to leave each unit immediately for safety. 

Evidence attached : XXXX XXXX XXXX Scam XXXX All XXXX & Transcripts thru XXXX XXXX booking, {$190.00} receipt, XXXX escalation emails, host threats, key dispute. 

XXXX XXXX Scam XXXX All XXXX & Transcripts thru XX/XX/XXXX ( compressed ) .pdf support thread, XXXX  Penal Code citations, hospital record ( XXXX, fever XXXX, negative drug screen ). 

XXXX XXXX Scam XXXX All XXXX & Transcripts thru XXXX XXXX {$1000.00} + {$76.00} receipts, off-platform cash demands, WhatsApp threats, transcript of host abuse, public safety escalation. 

XXXX confirms SoFi acknowledged denials, amounts, merchants, saw my evidence, and promised re-review. 

Video and audio evidence that was shared with SoFi are available for review. I am now homeless, medically ill, destitute, unable to fly home, all because of the negligence of these platforms and SoFi bank. These scams are not isolated they are mafia-style operations affecting many Americans abroad, and SoFi is enabling them by siding with fraudulent merchants : see XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation