Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
This complaint is an addendum to complaint XXXX and XXXX from Sofi Bank. Another incident has occurred in which I am extremely upset about where my account was deducted again by XXXX XXXX, and I still haven't received my debit card. How could my account be deducted without even activating my card much less receiving it? I had to report the fraud once again, and request another debit card be issued to me. My disputes for XXXX XXXX and XXXX XXXX  XXXX  was denied due to them saying no unauthorized charges we re committed, but yet I fraud was committed again without having possession of my debit card? So I appealed the decision and wrote the following email to XXXX regarding my appeal request on XX/XX/XXXX. Please see below for your review. 

XX/XX/XXXX, XXXX XXXX  Good evening, I would like to appeal the decision that was made for the unauthorized charges of XXXX XXXX and XXXX XXXX. The documentation provided which states that the card was being frozen and unfrozen during the transactions, and that the cash deposit made was a prediction that these disputes were anticipated was appalling to read. The cash deposit made was going to be used for a go fund me account that was opened for my uncle, and because of what was stolen from me I wasn't able to assist my family during this difficult time. This theft of my property was reported to the local authorities accordingly and is currently being investigated. What is baffling to me is that all but XXXX of my disputes was approved. The merchant charge from XXXX ( whom I've never heard of ) for {$XXXX} that was deducted without my authorization during the same time the other disputes happened was approved and my account was credited on Monday XX/XX/XXXX. Now what is extremely odd to me is that I haven't received my new debit card that was shipped on XX/XX/XXXX, and I got another unauthorized transaction on XX/XX/XXXX from the same merchant and the same amount again so how did this transaction get approved with a card that hasn't been received and that is not even activated? I had to submit another dispute yesterday and request another debit card that will replace the card I still haven't received. Based on these issues/circumstances I am appealing my denied disputes because this just doesn't make any sense to me, and I want my hard earned money returned to me because I did not authorize these transactions. Yesterday 's repeated transaction from the XXXX XXXX is obviously proof that someone has my information, and I deserve my money to be returned. Please I respectfully request for you to reconsider the denial of my recent disputes from XXXX and XXXX XXXX, and want this merchant XXXX to be blocked from debiting my account any further. Thank you for your attention and professional courtesy to this matter, and I look forward to hearing from you soon. 

Sincerely, XXXX XXXX After submission of the above email, I received this from XXXX on XX/XX/XXXX Your request ( XXXX ) has been updated. To add additional comments, reply to this email. 

Card Processing Associate ( XXXX ) XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX RE : Acct # : XXXX Merchant Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Transaction Date : XX/XX/XXXX Total Amount : {$XXXX} Dear XXXX XXXX, Thank you for providing us with additional information regarding the above-referenced transaction ( s ).

The final resolution of your claim will be completed as quickly as possible but no later than XX/XX/XXXX. The results of the investigation will be submitted to you in writing within 3 business days after completing our investigation.

Thank you for your patience as we investigate your inquiry.

If you have any further questions, please reply to this email or contact us at the number listed below. 

Kind Regards, XXXX XXXX XXXX Back XXXX Department XXXX ( XXXX ) Monday - Friday, XXXX - XXXX XXXX  I then proceeded to receive today XX/XX/XXXX ( which I have attached as supporting documentation proof for your review ) within an hour time difference an email in which I provided the following response to XXXX : I received your email at XXXX XXXX XXXX XXXX stating that you needed me to upload my police report which I was about to do. So I'm confused. How could you have reached a decision without my report? I will get this money back because I did not authorize these charges. I am the victim here, and I want clarification of the email you sent me asap. As of XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX have not received a response and want a solution to this problem. My money needs to be returned to me, as I am the victim in this matter, especially after another unauthorized transaction was done without me having access to my new debit card because I hadn't received it. For the life of me, I don't understand how that could have happened, but yet I get denied because XXXX didn't see any wrongdoing. This issue needs to be resolved accordingly.

Company response to consumer: Closed with explanation