SoFi closed my account and returned $9,297.65 via ACH — I need help locating the returned funds
Hi everyone,
I’m hoping someone from SoFi who monitors this subreddit can help me with an issue involving $9,297.65 that was supposedly returned after my SoFi account was closed.
Here’s the situation:
I received an ACH payout from Whatnot(live streaming platform) for $10,860.54 into my SoFi account. The deposit was successful and the full amount was credited to my account.
Shortly afterward, SoFi closed my account while there was still $9,297.65 remaining in it.
I have called SoFi multiple times, and each time I have been told that the remaining $9,297.65 was returned via ACH to the original sender/payment processor. I was told the return was initiated on Sunday ( August 9th 2026)
The problem is that Whatnot has not been able to locate the returned $9,297.65.
Whatnot has now asked me to provide written confirmation from SoFi showing that the funds were returned/rejected from SoFi’s end so that they can trace the money with their payment processor.
I contacted SoFi again asking for some type of written confirmation, return trace number, ACH return information, or anything else showing where the $9,297.65 was sent.
So far, I have been unable to get that documentation. I’ve essentially been told that the money was returned and that I need to work it out with the sender.
That leaves me stuck between both sides.
Whatnot says they need documentation from SoFi.
SoFi says the money was already returned.
Meanwhile, $9,297.65 is still unaccounted for.
I’m not asking SoFi to credit me money that was never there. The original $10,860.54 deposit successfully reached my SoFi account. I’m simply trying to determine exactly what happened to the $9,297.65 remaining balance after SoFi closed the account.
If the $9,297.65 was returned through ACH, I would really appreciate someone from SoFi helping me obtain:
The date the ACH return was actually transmitted
The exact amount returned
The ACH return/trace number or other tracking information
The ACH return code, if applicable
Identification of the receiving/originating institution or payment processor it was returned to
Written confirmation that the funds left SoFi and were returned to the originating bank/payment processor
I have spent a lot of time calling and trying to resolve this through normal customer support, but I keep going in circles.
If any SoFi employee or executive who monitors this subreddit sees this, I would really appreciate someone looking into this or escalating it to the appropriate ACH/payment operations team.
I can provide the account information, original ACH trace information, Whatnot correspondence, and any other details privately to an authorized SoFi representative.
Obviously, I will not post my account number or other sensitive banking information publicly.
Thank you to anyone who can point me in the right direction.
Edit 1: Thank you all for your input and for taking the time to read through my situation. I genuinely appreciate everyone who has offered advice or tried to point me in the right direction.
I also want to clarify that I’m not trying to trash SoFi or say they’re a bad bank. I believe SoFi is a great bank, and my intention with this post is simply to find someone who can help me resolve a complicated situation.
At this point, I’m really just hoping to get in contact with an account specialist, supervisor, or someone higher up at SoFi who has the ability to look deeper into what happened and help figure out where things went wrong.
I’ve tried going through the normal support channels, but I feel like I’ve reached a point where the situation needs someone with more authority or experience to review it.
I’m currently being drowned by bills while this money is tied up, and it’s becoming extremely stressful. I’m not looking to blame anyone or attack SoFi — I just want the opportunity to speak with the right person who can actually help me get this resolved.
If anyone from SoFi happens to see this, or if anyone knows the best way to reach someone who handles more complicated account situations, I would genuinely appreciate the help.
Thank you again to everyone who has offered advice and support