SOFI STOLE MONEY FROM A REFUND AND NEVER PROCESSED IT THEY OUTSOURCE AMERICAN JOBS TO GUATEMALA AND SINGAPORE THEY ARE HORRENDOUS.

I contacted So-Fi to see about a personal loan- $15,000. They promised funding in around 3 to 5 days which was a joke. I never had the same person helping me - it was just random as to whoever answered the phone when I called When I gave the company enough info to run a soft pull on our credit I chose a 5 year term at a rate of 12.99%. I believed that would be the rate they honored. There were papers that needed to be sent over because we were dealing with a credit counseling agency to verify we would be able to repay a loan if we were granted one. When talking to the woman at the credit counseling place she said they would send a favorable review of us to So Fi. I kept calling to get info on how things were going at So Fi but they weren't saying much right then. One representative on the phone did tell me that where we were in the process meant that we would be getting funded for our loan- not to worry. Weeks later when I looked at the final offer the rate has gone up to 24% and the monthly payment had gone up about $70. At that point, wanting to get the monthly payment down, I called So Fi and said we could go with a lower amount ( I suggested we take out only $12,000 or $11,000.) to get the payment down. At this point, I was told by one rep that wasn't possible. I got another rep who tried to help to switch the money to a lesser amount I was then told this wasn't possible - the $15,000 was the only amount I could be considered for I sweated the monthly payment for awhile then finally decided to go ahead with things My husband and I went online and were told we had to enter our bank info so it would be there when we got the funding.
What a surprise then when I call So-Fi after a long holiday weekend and asked where we were in the process. The answer by the rep on the phone was - you were not approved. I then talked to an account manager who talked about "a proprietary underwriting system " that made that final decision. No human that you can talk to - just a computer that makes arbitrary decisions.
Soon after this, I filed a complaint with BBB A bit after that I received a 2 part letter from SoFi. One part is a "consent to disclosure of non-public information ". I feel that this is giving So-Fi the right to disclose some of our personal info. I won't sign this form. The letter itself is inaccurate from the beginning. It says the company confirmed that I applied for a $20,000 loan. It was $15,000 Also it talks about Cross River Bank-another Bank So - Fi works with and was using this bank to try to secure a loan for us. We didn't know this until later We were told in this letter dated two weeks ago we should have letters of denial from both SoFi and Cross River banks. We have neither of these letters. I will follow up but know it will be a struggle to speak to them as we are not prospective clients anymore.
My recommendation- don't go with this company if you want a good, clear line of communication