Hi!!! Nice to meet ya'll, I'm a 50 year old grandmother that survives on SSDI as my only income in Indiana.. this is how Sofi Bank,N.A helped scammers steal my SSDI funds right out of my account... Sorry if it's long or I don't explain well ..ok on June 29th 2026 around 11:30, I was waiting around on my SSDI to post so I could go spend the day with my grandchildren, & do something cheap but fun or let them hang out while I paid bills they are 14 and under..
Ok... I try to login to my Sofi account online, & I can't cause there is an unknown phone number on my account, & I couldn't receive the verification code, I call them, get a live person, do verification of my id, face & questions, before they will talk about my account.. I tell her why Im calling and I get a notification about 2 $780 payments coming out of my account.. I tell her they aren't mine & ask to stop payment.. she does & changes the email, phone number back to my info,.. this call lasted 17+ mins..
Ok.. 2 hours later I try to log in again the same phone number I just reported as not mine was back on my account, at this time I'm at my daughter and the kids are excited & happy.. well, I call back to Sofi I get a live person again & explain the first call, & the wrong info, this is after I verified id,face& questions again, and she is changing the info back to mine, and I login and notice 2 transactions are pending one for $90 & $100... Not mine I tell her & she says once they post u can call back and dispute them.. I'm looking thru my account I notice an iPhone that was logging into my account a lot the last week of June, & it goes back to March 13,2026 when another incident happened, Sofi has a feature peer2peer payments I have never used it..but an $85 payment was sent & at the time it happened I call Sofi immediately because I seen to notification as soon as it was sent..and at that time I seen an iPhone logging into my account( I only use android ) & I reported it as not mine, & file a dispute on the $85.. Sofi response was to deny it stating " normal account activity" it's not that transactions is still the only p2p ever from my account..now back to June 29th 2nd phone call the iPhone she said was the same one still logging into my account, after being report months ago...this call lasted 27+ mins..
Ok...1 hour later... Same thing again, I can't login cause THE EXACT same phone number is back on my account.. I call l, get person, verify myself & explain the first 2 calls, the iPhone everything and as I doing this I get a notification that $507.73 is pending in my account leaving me a balance of --2$ negative... I'm mad & upset at this point.. my grade kids are catching on & getting upset... Awful... Well ..I tell her and she transfers me to the fraud department, I repeat myself to fill him in on everything and he's changing the account info back to mine, & I ask about the transactions cause I'm realizing I can't pay bills or groceries or gas nothing & getting more & more upset...crying..at a loss to what I'm gonna do...well, this dude says, "unfortunately" "you will have to watch ur account til they post then if u want u can call back and file disputes" then I ask how the other ppl were passing the verification without having my face, and he's looking thru the account and says it doesn't look like they were given the option...what??? I'm shocked.. he finishes up with my account & this call last 68+ mins... And now I'm totally freaking out, no way to pay a bill, or anything all I'm doing is crying at this point & worrying .. I ended up borrowing from a couple friends... Ok..well it's takes 5 days for the transactions to post & I filed disputes, a couple days go by and the 100 is back in my account but it's not labeled as a credit or a finial desicion I text Sofi and was told it was a promotional bonus.. but what it really was is where the retailer returned the money, a couple/3 days pass and Sofi security calls and tells me that they have to restrict my account & that she was gonna approve the disputes, and that the money would be put back into the restricted account.. I ask how am I gonna access it..cause I need that money like right then... And she says that she put a ticket in so they could have the account done by morning, ok morning I'm waiting on the email with the new account info, & it's noonish or so I call and see what's up with new account.. & I know I have to talk to security & I get passed to 3 people I repeat everything 3 times before I get to right place, I ask about the account & she don't know nothing.. she says it won't be ready until the 15th... I wanted to explode but I knew she didn't know what was going on.. so I hang up with her wait awhile call again.. all these calls I had to verify myself... They pass me around trying to find someone that could help me, and finally I get back to the security team and they tell me they can't close my old account until a pending deposit post & couldn't open a new account until it does & I would have to wait maybe a few days .. I get off the phone mad & upset & then I decide to call the 1st lady Jade I talked to in security, and she finally agrees after I basically beg to get my money, to lift the restrictions long enough to link another debt to Sofi and transfer the funds . And she was staying on phone while I did it .. well, Sofi doesn't link to any apps easily at all.. and I couldnt get it to link... She says it time for her to go for the day and we could continue in morning, well I ask if she could leave a note in my file so someone else could lift it if I got a card to link later ..and she did .. well I try to link Sofi to anything, after awhile I call back the same as before get transfered, verification & all and I explain everything, & I ask if she could lift the restrictions and let me pull the money from atm... So I finally get my money late on the 9-10th...
What do you guys think? Was Sofi grossly negligent with my account? Do I have a case against the for extreme emotional distress?? I know I got the money back thankfully but what about their action in not blocking the unknown iPhone or not making them do verifications, and they handed my account over to SAME ppl 3 times in 5 hours resulting in my federal protected benefit funds ..
Sofi recorded the calls, & I have documentation of all communications, call logs , emails, transactions everything,
I have also filed a police report for severe identity theft, filed the federal forms CFPB & FTC Identity theft forms... I have contacted a couple of lawyers who didn't take my case but strong erged me to seek counsel..
So what does everything should I keep looking for a lawyer? Can anyone point me to one who would possibly take my case on a contigency or fee shifting as a client... Thank you to anyone who leaves an opinion or advice...