SoFi Reviews 

Min payment $200/mo, I paid $400 on November 4th. My payment was due on December 5th and despite me paying an extra $200, that payment didn't count towards my min payment. Called and the lady said I would have to pay the exact amount if I wanted it to apply to my due date... That makes no sense lol I got punished for paying more than my minimum and they don't care to make things right so here we are.

On September 18, 2026, $1,900 was taken from my SoFi checking account through two Zelle transfers of $900 and $1,000 to someone I do not know. I did not authorize either transaction.

**But this was much more than a Zelle dispute.**

Between those two payments, $1,200 was transferred from my SoFi savings account into my checking account, also without my authorization. Someone appears to have gained unauthorized access to my banking accounts, moved money between them, and then sent money out through Zelle.

What makes this particularly disturbing is that I was using a strong password created by a password generator, along with two-factor authentication (2FA). I took precautions to protect my accounts, yet these transactions still occurred.

SoFi makes Zelle available directly through its banking platform as a convenient way to transfer money. But when I reported that money had been moved between my own accounts and sent through Zelle without my authorization, SoFi investigated and denied my fraud claim, stating that no error occurred.

On September 19, SoFi itself sent me a security notification stating that unusual login activity had been detected and that my account might have been compromised. SoFi temporarily restricted my account and required identity verification.

Despite that security warning, SoFi has refused to reimburse the $1,900.

During the dispute, SoFi provided information concerning IP addresses and login activity. However, I have repeatedly asked which specific IP addresses, devices, login sessions, and authentication events corresponded to the September 18 transactions.

I also want to know how someone could apparently access my banking accounts and complete these transactions despite my password and two-factor authentication protections.

Most importantly, SoFi has not satisfactorily explained what evidence establishes that I personally authorized these transactions.

**This is my biggest concern: If a bank offers Zelle within its own banking system, it should also take responsibility for properly investigating unauthorized access to the underlying bank accounts.**

This wasn't a situation where I knowingly sent money to someone who later turned out to be a scammer. I did not send these payments, did not know the recipient, and did not authorize the internal transfer between my accounts.

I have filed formal complaints with the Consumer Financial Protection Bureau, the Office of the Comptroller of the Currency, and the Better Business Bureau.

As of November 5, 2026, I am still out $1,900.

I am a retired senior citizen living on a fixed income. This loss has caused genuine financial hardship for my family.

I trusted SoFi to safeguard my money. Based on this experience, I have serious concerns about its account security, fraud investigation procedures, and willingness to accept responsibility when customers report unauthorized transactions.

I am sharing my experience to warn other consumers that even with a strong password and two-factor authentication, unauthorized transactions can occur, and reimbursement is not guaranteed.

I am asking SoFi to provide a complete, transaction-specific explanation of its investigation and return the $1,900 that I did not authorize anyone to take.

Extremely easy. Fast. Great decision to pursue consolidating with SoFi.

They make applying simple and easy! there is not an extensive wait time for your funds and their APR was great!

This is the worst customer service of any financial institute I have ever dealt with. I was trying to make a simple wire transfer to Etherium. I made one for a small amount that went through with no problem. I then tried to make a larger one once I had secured funds from my local bank, whole process turned into a mess from there. One week later and no less than 4 phone calls (one to their BOT) and the rest to real people at some off shore location, and no body knows where my money is, only that it was still at SoFi. Then both my accounts were locked for no reason. You can't get anyone on the phone to give you any answers. They keep giving meanless apologies but nothing actually happens other than to say the transaction is under review. I was promised a call back within the hour which never happened. Why is it under review? Who is holding my money? What legal reason to you have to hold my money? I keep being told it could take up to 48 t0 72 hours to be complete, but it is now a week. This is total nonsense as nobody knows anything. I want the transaction done NOW, not tomorrow, not next week, NOW. I recommend NOBODY do business with this bank, service is horrible. I have lost thousands of dollars because of this action that I could have made in this volatile market. I am putting in my cell number in the reference box, because no one has issued a reference to me.

Now, without my permission SoFi has taken my money and put in their Crypto account. I did not ask for this, I do not want this. AND to add insult to what they did, they charged me $175 to make the transfer to Etherium which never happened, so now I am out that money for no service. This is total B.S. My savings account is still locked now for several days, no return phone call from who ever is supposed to call me. How much longer do I have to deal with this poor excuse for a bank? DON'T DO ANY BUSINESS WITH SOFI! THEY ARE THIEVES!

I put $50 into my Sophie bank account. When I woke up the next morning my funds were gone! So I called the bank and talked to a customer service rep who got an attitude with me because I wouldn't accept her vague explanation of why my funds was taken out of my account. All she kept telling me was that I had pending fees... So I explained to her I had $200 in my bank account to cover all of my transactions. That money was taken out of my account from each transaction so I shouldn't have any pending fees. The $50 that I put into my bank account should have not been touched. She kept saying that money went towards a pending balance. How do I have a pending balance when the money for each transaction was taken out of my account prior to me putting the $50 in my account so I feel robbed by this Bank The lady got a attitude with me even after I told her it was nothing personal towards her that I was blaming the bank So she referred me to a manager who practically told me the same thing. Nobody can explain to me why $50 was taken out of my bank account for pending fees when I already had money in my account to cover every transaction it was one of the worst customer service experiences I've had in my life and once I'm done renting this vehicle I'm probably done with this bank because they basically told me my money is not getting refunded

So easy to work with.

This bank is a red flag. Their services and customer support are terrible. They keep restricting me and I have been unable to login without reasons. Gladly, I'm now stick with VINE HASH. they are very transparent with their operations and assures fast and constant returns.

It was simple to obtain a loan. Gratefully I have good credit and I was able to get the amount I requested. It was placed in my checking account within three days.

Refinanced a loan here and the rate was competitive with a smooth online process. The one issue was a three week delay getting a payoff letter from support, which held up closing on an unrelated purchase. Would still recommend for the rates.

I had 2 credit cards with large balances. I made extra payments but i could never get ahead because of the high interest rates. I decided to apply for a personal loan with SoFi to consolidate my debt. The application process was so easy and very fast. My credit cards were paid within days. I now have one payment at a lower interest rate. I’ll have the loan paid off in 2 years rather than 10 years. Thank you SoFi!

I would say the customer service was uncomfortably fast. It’s a no-brainer that our society has created a welcoming act as a sign that someone wants something. If you were on the side of the road with a flat tire and someone came up within 2 minutes and was down on their knees, changing it for you making sure you weren’t late to get anywhere offering complete service to you, first thing you would think is what does this person want. I was getting calls very quickly after applying making sure I was all set up making sure I had signed the documents. Multiple calls from multiple people daily so then you ask where do you draw the line between customer service and oh we are just doing this because “we love buying other people’s debts because we make a lot of money on the interest and because of other benefits to us so we have an interest in being efficient. We want your money.”Let’s not get this confused, banks are not loaning the money out and opening a gate so that people can have freedom. They are simply expanding the gate. So I’m not even sure banks are in a position to offer their services in a way that retrospectively shows that it was out of pure kindness and desire for humanity to be at peace. You are a lion asking rabbits how you can make them feel safe when they are in a cage with you……Get us out of the cage with you…. don’t just transfer us from one lion cage to the next. It doesn’t matter how nice you are. You’re still a lion..thanks for loan. Please chew my head before my body so I don’t feel anything.

First thing first Sofi save my life for a lower APR% rate and they do things super fast and clear and their customer service on top on that I would recommend Sofi to my friends and family for sure!!

SoFi gave me a loan to consolidate my accounts and every bill was paid within 3 days! They have given me a carefree holiday season and I owe them so much thanks!! I highly recomend their services. Thank you SoFi!

The application process was easy and response time was quick. I received the funds quickly also.

Very easy to work with.

Fast and easy application. Quick funding. I would highly recommend SoFi to family and friends 🧡

I've used SoFi for years, and just today i tried to log into my account and it asked me for my ID. If i have to start spending an hour jumping through 4 factors of authentication it defeats the purpose of working online. I can literally walk down to my local credit union and back in less time. This isn't the first time I've seen a company start doing this type of thing, and I refuse to comply anymore, I will move my accounts rather than spend hours every month doing stupid human tricks just to log in to my accounts to check on them.

Trouble getting payment date requested. I am a new personal loan customer as of October 15,2026. Naturally,I need my payment date set to align with my income payments. I was not asked what payment due date I requested when I signed for the loan. I went in the app to change the date after the loan was set up. I was informed that this can only be done after the first payment is made and a maximum of once per year. Ok. But they still refuse. My very first payment due date was set as November 15. Today is Nov 2,2026. Because I needed to change that date ....
I went ahead and made an early payment- in October AND it was an over payment.
So due on Nov 15, a first payment of $1281 was due. However, On October 29,2026 I went ahead and made an early payment of $1500. I did this to make sure I could edit the due date. NOW they still will not edit the date. Now they say I have to wait until AFTER the due date passes to have the date edited. ??? Seriously??? They have received an EARLY OVERPAYMENT and could just reset the date but refuse. How is this good customer service?? I even asked a supervisor. What an incredible lack of customer service.

I’ve been so happy to talk about my loan with Sofi and keep promoting you all over! I’m so grateful you are helping me save money. Wish I had done it sooner! My credit score even skyrocketed to the 800s!!! Thank you so much!

Plus I’m a Buffalo Bills fan so Josh Allen being the sponsor for the NFL is a bonus.