|
5773527
|
2022-07-14
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Social Finance, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Difficulty submitting a dispute or getting information about a dispute over the phone
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-07-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-14
|
| Complaint What Happened |
On XXXX I received a text message from phone number XXXX that my SOFI loan was in process, but that additional information was required to secure the loan. The message included a link to complete the application. I had not started a loan application or any inquiry into a loan application and I assumed this was a fraudulent text. I replied STOP to opt out of any future correspondence. Aprox. XXXX minutes later I received another text notifying me that the loan had funded. On XX/XX/22 I received multiple calls from XXXX phone number XXXX requesting information to complete another loan application. This prompted me to check my credit report. Upon which time I noticed that SOFI had pulled my credit on XX/XX/22. I called SOFI and learned that a personal loan in the amount of {$12000.00} had been dispersed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. SOFI had all of my personal information on file ( XXXX, XXXX, Home Address, Phone, etc. ) I notified SOFI that this was a case of identity fraud and as of XX/XX/22 my case was being reviewed by their Fraud Dept. I called XXXX XXXX XXXX Bank and spoke to XXXX XXXX ( phone XXXX ) who works in their Fraud Dept. He confirmed that the funds had been received at XXXX XXXX XXXX XXXX and that bank account XXXX was under the name XXXX XXXX. SOFI keeps forwarding me to their Fraud Investigative Team phone number ( XXXX ) that goes straight to voice mail. I can not get a valid case number or confirmation number and they will not give me a phone number or email address to call them directly. The funds have already been dispersed and I want this transaction wiped from my credit and all of my personal information removed from XXXX XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5428377
|
2022-04-09
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Social Finance, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Credit card debt
|
| Date Received |
2022-04-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-04-09
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3177174
|
2019-03-12
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
Social Finance, Inc.
|
| Product |
Student loan
|
| Sub Issue |
Problem with customer service
|
| Sub Product |
Private student loan
|
| Date Received |
2019-03-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-03-12
|
| Complaint What Happened |
I co-signed my wife 's student loan re-finance with SoFi in XXXX of 2018. At the time, we were informed that after 12 months of payments, I could be released from the loan. However, today I was informed by a SoFi employee that SoFi doesn't offer co-signer release. We were completely misled by SoFi.
This is directly from the SoFi website : Though it never hurts you to keep a co-signer, you can offer releasethe official terminology for removing that person. Maybe your co-signer was happy to help you get approved, but after a certain amount of time wants out due to stress or even just a change of mind.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3598740
|
2020-04-08
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
Social Finance, Inc.
|
| Product |
Checking or savings account
|
| Sub Issue |
Banking errors
|
| Sub Product |
Checking account
|
| Date Received |
2020-04-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-04-08
|
| Complaint What Happened |
I initiated a loan payment as an ACH transaction on my lender 's site, debiting from my SoFi Money account. The payment debited my account a few days later.
I received a follow-up email from my lender that the payment was returned, and assessing me a fee. The payment was still debited from my SoFi Money account.
I attempted to resolve this with the lender, and they were insistent that they received a payment returned for " No Account / Unable to locate account '' and to contact my bank.
I called SoFi only to be told that they didn't return the payment, my lender is wrong. The only " assistance '' I could get from SoFi was being told I used the wrong routing number. I verified the routing number used on the payment was the correct one, and they had no further help or ideas.
No one will help to try and resolve this. SoFi has stolen over {$1000.00} from me.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4085115
|
2021-01-21
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Social Finance, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-01-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-01-21
|
| Complaint What Happened |
I see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
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| Consumer Consent Provided |
Consent provided
|
|
|
5509853
|
2022-04-28
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Social Finance, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Credit card debt
|
| Date Received |
2022-04-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-04-28
|
| Complaint What Happened |
I writing because person opened fraudulent account under my name sofi credit card dont investigate my account still reporting account in my credit I need resolution soon posible because never opened account with company dont received information proof this debt with my signature
|
| Consumer Consent Provided |
Consent provided
|
|
|
3931430
|
2020-11-02
|
Wrong amount charged or received
|
Money transfer, virtual currency, or money service
|
|
| Issue |
Wrong amount charged or received
|
| Timely |
Yes
|
| Company |
Social Finance, Inc.
|
| Product |
Money transfer, virtual currency, or money service
|
| Sub Product |
Virtual currency
|
| Date Received |
2020-11-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-11-06
|
| Complaint What Happened |
Sofi Securities charged {$20.00} to my XXXX checking account in 2 transactions once for {$10.00} on XXXX XXXX and again for {$10.00} on XXXX XXXX but posted only {$10.00} total to my Sofi Securities account and will not refund duplicate settled {$10.00} bank charge.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5485147
|
2022-04-22
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Social Finance, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Credit card debt
|
| Date Received |
2022-04-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-04-22
|
| Complaint What Happened |
Sofi send response you have check my id intelegence check Id was occurred because lost my residence and driver license I need proof this investigation because my name is already change never opened account with your company never received validation of proof this debt under doctrine I lf you have. proof selfi send me proof this picture and driver license yor scam because not s correctly I dont accept this result trying several time contact us and dont received your proof nothing you have my information because lost everything is match in otherwise account yo say is opened fraudulent ready close for XXXX XXXX XXXX Need proof all your investigation
|
| Consumer Consent Provided |
Consent provided
|
|
|
4085519
|
2021-01-22
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Social Finance, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2021-01-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-01-22
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2921477
|
2018-05-30
|
Getting a loan
|
Student loan
|
|
| Issue |
Getting a loan
|
| Timely |
Yes
|
| Company |
Social Finance, Inc.
|
| Product |
Student loan
|
| Sub Issue |
Denied loan
|
| Sub Product |
Private student loan
|
| Date Received |
2018-05-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-05-30
|
| Complaint What Happened |
On XX/XX/2018, I applied to refinance my student loans with SoFi and was denied. According to the adverse action notice, the people at SoFi " carefully reviewed my application '' and could not currently grant me credit. The reasons are unknown, because I need to submit a letter to them requesting them. This is very unfair, as I believe they should automatically tell me these reasons in an adverse action letter.
The company did a soft credit pull and put this information on the adverse action letter. The credit score there was lower than any score I've ever had ( I frequently check - my score is typically in the 720-750 range, and this was less than 700 ) and noted serious delinquency. When I looked at my free credit report, there was no indication of any delinquency at all. If this was a reason I got denied, then this is ridiculous since it is untrue.
I did speak with someone when I originally applied, and they stated my working less than 2 years would be a reason for denial. I have worked a little over a year and a half because I graduated college two years ago and spent a semester in grad school. I found a job within weeks of leaving school, and was " unemployed '' for less than 2 months. I don't understand how a company that works to refinance student loans can penalize an applicant for working less time because the time up to when I started working was made up of me attending college, which is why I have the loans in the first place. This seems very unfair.
|
| Consumer Consent Provided |
Consent provided
|
|
