Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
Subject : Dispute of Denied Refund for Canceled Airline Tickets CFPB Complaint Against XXXX and Airline To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX Date : XX/XX/year> -- - Re : Complaint Regarding Denied Refund for Canceled Return Flight SoFi Dispute Denial and Airline Noncompliance Dear CFPB XXXX, I am writing to file a formal complaint against both SoFi Bank and the airline ( and its associated XXXX XXXX  ) regarding a denied refund for return plane tickets that were canceled by the airline. Despite multiple efforts to resolve this, I have been wrongfully denied a refund and am now stranded in XXXX due to these failures. 

Background : I purchased round-trip airline tickets using my XXXX account ( via debit ). 
XX/XX/XXXX XXXX XXXX see attached screenshot below XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX The airline canceled the return portion of my ticket. 

Despite the cancellation, the airline is now falsely claiming the return tickets were used. 

I never used or received the services associated with those canceled return flights. 

Both the airline and the travel agent have failed to provide a refund within XXXX business days, which is a clear violation of XXXX Department of Transportation ( DOT ) regulations regarding involuntary flight cancellations ( see XXXX XXXX Part XXXX ). 

I filed a dispute with XXXX, but they denied it based on the airlines misleading claim that the ticket was used. 


Harm Caused : I am currently stranded in XXXX due to the cancellation and lack of refund. 

I have incurred additional travel, lodging, and communication expenses as a direct result of being unable to return home. 

The denial by XXXX has left me without the funds needed to repurchase a ticket or recover from the financial damage caused by this cancellation. 


Request for CFPB XXXX : I am requesting that the CFPB investigate : XXXX. XXXX Banks dispute resolution process, including why my valid claim was denied despite clear evidence of non-service. 


XXXX. The airline and travel agents noncompliance with DOT-mandated refund timelines. 


XXXX. Whether there has been a coordinated misrepresentation of ticket usage to avoid refund obligations. 



I respectfully request : A full refund of the canceled return ticket. 

Reimbursement of related expenses incurred as a result of the cancellation and denial. 

That the CFPB direct the parties involved to comply with all applicable DOT and consumer protection laws. 


Attached are supporting documents including proof of purchase, communication with the airline and travel agent, XXXX dispute denial, and evidence of my current stranded situation. 

Thank you for your attention to this matter. I am hopeful that your office will intervene to ensure accountability and restore my rights as a XXXX consumer. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation