r/sofi

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A day ago, I received (4) emails re: a SoFi personal loan in the span of 34 minutes. Bear in mind that I don't have an account with SoFi. The first email thanked me for starting a personal loan application. The second requested that I verify my email address. The third confirmed that the loan application was being reviewed and the fourth confirmed that the loan was approved and awaiting signature. I've had a credit freeze with all 3 credit bureaus since 2022 and I confirmed that they are still in effect. I checked all 3 credit reports and saw no recent hard or soft inquiries nor anything from SoFi. I also placed a fraud alert so that extra steps are taken when verifying any application using my PII. I called SoFi Fraud the same day within an hour of these emails. They confirmed that there was no account bearing my name but are commencing an investigation. I filed a police report and plan to file a report with the FBI as well. I checked my Google account to assess if there's been any unknown access from devices that I don't recognize. There were none. I nonetheless changed my 34 character password that I don't share across any other account. I'm now waiting on SoFi to conclude its investigation. Curious if anyone has any thoughts/comments on this? I don't know if this was simply phishing or an instance of identity fraud. What's strange to me is that when I went to SoFi to login with my email, I reset the password, and it then asked to send a pin number to a phone number that wasn't mine (I could only see the last four). Did I receive someone else's emails by mistake?

I recently got a credit line increase on my SoFi credit card. Shortly after, I got a notification from Credit Karma saying my SoFi credit card was closed at the consumer's request. I contacted SoFi, and they said I requested the closure when I did not -- this was escalated internally.

I never requested this, so I'm extremely confused about why it happened. On top of the confusion, I've now lost about $10k worth of credit line & a card I had for 5 years.

I've already reported this to all three credit bureaus and escalated it with SoFi (who said I requested the closure, when I did not. They stated they have escalated it internally) and the CFPB.

I'm trying to understand why they'd close my card out of nowhere, claim I requested it, and how a mistake like that even happens in the first place. I'm unclear on what to do going forward. I also have a bigger concern as SoFi is my main bank. I have both my checking and HYSA accounts there. If they can make an error like this on my credit card, can I still trust them with my deposits, especially since my paychecks are deposited through that account?

Hi everyone, I just opened a SoFi Checking account and I’m trying to use it to pay my monthly rent.

My landlord requires a monthly payment that is more than $1,000, so Zelle won’t work because of the transfer limits. I also looked for an option to set up a recurring external transfer to another person, but it seems SoFi only allows linking external bank accounts that are in my own name.

Wire transfers are available, but they charge a $30 fee each time, which I want to avoid.

Is there any way to set up a free recurring “standing order” or automatic rent payment from SoFi to a landlord (like ACH transfer or bill pay)? Or is there a workaround people use for paying rent from SoFi without Zelle limits or wire fees?

Thanks in advance.

Hey all, new to Sofi as of a few days ago and I'm swapping my direct deposit for my paycheck over to my Sofi account for the higher APY. My job makes it incredibly easy to swap over where my check is sent to and so I used their app to set my Sofi account as the location for my following paychecks. After doing it I realized Sofi doesn't seem to know I set that up. Is there anything I need to do on my Sofi account to make that known or do I just wait until my next paycheck? I know there is a bonus right now to setting it up within 60 days so I have plenty of time, but wanted to make sure.

this is 1/100 of the evidence i have. i am talking to lawyers but i imagine this is happening everywhere. would love to join an effort already in motion or help one out.
i just so happened to studying tennis when they rigged a match. they tried to take down a lot of material but i have it all because i was studying how to bet effectively on it.
i have video, screen, and phone recordings of staff hanging up on me when i mention the rigged game.
i have a screenshot of a customer service employee admitting to me that a match was rigged.
after that—
i have evidence that they have cut me off from talking to any customer service. i could ask right now and they will ignore me or say something gross (they literally think they are invincible).

they than began stealing from me with no attempt to conceal it. i made dozens of deposits for evidence. I did it on basically every deposit platform they offer and filmed it, basically did every denomination. i did it beside people whose deposits worked fine. they stole many thousands of dollars from me without any plan. i am obviously charging all of these fraud charges back now with video evidence, but it’s amazing how incompetent they are.

because they never gave me any money and they charged everywhere they would let me, i have live recordings of kalshi stealing directly from google, apple, venmo, cashapp, visa, mastercard, etc.

DM if interested in helping take them down or know how I can help. i’m sitting on a mountain of evidence.

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I already have an amex high savings account and was thinking to open up a sofi account but it looks like their apy is low if you don't do direct deposit unless I am reading it wrong.

There is a lot of buzz about X Money (Elon's new FinTech). Six percent savings rate, deposit insurance to $10 million, free checks, free ATMs, etc.

Anyone signed up for X Money?

Accourding to Sofi website, payments checks should be payable to: SoFi Bank, National Association Personal Loan, however I mistakenly only wrote: SOFI.

Do you think my cashier's check will be returned or that's still fine? I sent my cashier's check on the 18th of June and still didn't post.

I recently retired. I have been using PMCC strategies to earn premium and LEAPS profits. But you need to be very conservative with the Short Calls. I have developed a strategy that allows you to sell Covered Calls at deltas of 0.24 - 0.28 and earn much nicer premiums.
If you buy a LEAPS contract deep ITM, approximately 0.75 delta and you also own 100 shares of a high quality company’s stock or Index ETF that you want to own long term you can use higher deltas. If your short call gets assigned your LEAPS will be significantly profitable and ~ 0.80 delta. Roll the LEAPS back to 0.75 and repurchase the shares and repeat the process. Retired Man’s Covered Call™ (RMCC™)

I been a SoFi member since november or so. After slowly transferring money from WF to SoFi, i went to the wells fargo branch to go ahead and finally closed it. After 10 years of banking with them, it was heart broken. People are moving to FinTech, customer service was great. Was a chick with a nice voice and babies in the background yelling.

I do hope I made the right decision to closed and move on with SoFi. Using the required balance to fund loans for other customers is a big headache to me just to keep 1500 minimum at WF I got tired of it. and if they can't make money by lending my idle cash, the monthly fee of $15 helps WF to cover the administrative cot of maintaining my account. What a joke.

I understand there's many competitive banks out there and have other good choices but I decided to bank with SoFi despite the 10/monthly fee of the unlimited 2% credit card, which I don't have.

Has anyone received chapter 30 payment for July

Is anyone’s direct deposit late? My company made sure to send it early this week so it wouldn’t affect the holiday. I’m supposed to get it today at 8:30 pm est like clockwork and I have yet to get anything and I know it’s not my company’s fault. This is so ridiculous. This is like every week SOFI does this!!!! 😡