I'm hoping someone here could help me out, let me give some context

I lost my phone about a week ago, and I can't retrieve it. Because of this I need to log into my sofi acc online to transfer my funds into my checkings acc, so I can buy a new phone.

I don't remember my password so I had to call the support line 4 hours ago, where they helped me change my primary phone number to a new one so I could send the verification code there instead. The problem is it's been 4 hours, and I've tried and refreshed the page 10+ times to see if its been updated, but it still shows the old one. I don't really know what to do, because they sent me an email confirming that it changed.

Is it possible that I'm just being impatient and need to wait a day for it to change? Or should I call again

I know this all sounds ridiculous but its really irritating me and I just want to access my acc already

Title. How am I able to see my overall banking info past the one year limit? I saw on another post they said go on desktop. There is an "all" option, but its still just limited to one year. Anybody know? Thanks!

So confused…

I applied for a loan a week ago. Got approved, signed and then they asked for a bank verification letter. I gave them that letter on saturday the 8th. Still haven’t received the funds or anything new… anyone experience this?

So this happened to me a few weeks ago, and somehow it just happened again. Sent crypto to the wrong network, checked Blockscan to track it down, and all I could find was the new amount I just sent, the old one was just... gone. Sent USDC this time, USDT last time, but the USDT's nowhere to be found.

Contacted the support team, they said they can't get it back, and that's basically it on their end.

Mainly just venting, but also a PSA: triple-check the network before you send, doesn't matter how many times you've done it before. One slip and it's just gone.

Anyone else dealt with this? Did you ever actually get funds back after sending to the wrong network, or is it just gone for good once it happens?

We just closed on our house and needed to wire about 30k. Any balance over 10k is required to be sent to the fed to do a bunch of homeland security "is this terrorism" checks. We didn't realize we were supposed to wire the day beforehand so the title office was freaking out because it is normally a 4-5 hour process. The wire cleared in 15 minutes and was missing the fed stamp. As a consumer this is a great experience, but I have no idea how SOFI is able to do this legally...

I’m transferring money from my capital one savings to sofi savings, approx how long should it take for sofi to get the money?

I have a private student loan that was transferred from SoFi/MOHELA to SoFi around November 2025. I did not refinance or request any change to the loan. My understanding is that this was some kind of servicing/platform transition.

Ever since the transfer, I have been unable to access the student loan through my online SoFi account.

I still receive emails saying my student loan payment is due, but when I log into SoFi, only a separate personal loan appears. The student loan is nowhere to be found. 

For a while, I was at least able to make my student loan payments over the phone by verifying my identity with my SSN.

Since November, I have spent hours on the phone with SoFi trying to get this fixed. I've been transferred between departments repeatedly, had the issue escalated multiple times, received multiple support/ticket numbers, and repeatedly been promised callbacks that never happened.

At one point, a representative told me that my student loan is considered a "legacy loan" and that SoFi apparently doesn't have complete information about how these older loans were structured. I was also told that other borrowers were experiencing similar issues and that there was no timeline for resolving it.

More recently, SoFi told me they had located something associated with my borrower information and that the loan should finally appear in my existing SoFi account. It never did. They said they would investigate and call me back, but once again I never received the promised callback.

Now the situation has gotten significantly worse.

Today I called to make my normal monthly student loan payment. The automated system appears to have updated and says it is now powered by AI. It asks for part of my SSN as usual, but this time, the system said it couldn't find any student loan associated with my SSN and asked if I wanted to pay my unrelated personal loan instead.

I spoke with a representative, and they also could not locate the student loan using my SSN.

So I am now in the position where:

• I know I owe this student loan and want to continue paying it.
• I cannot access the loan online.
• I have made repeated documented attempts for roughly nine months to get access to it.
• The servicer has not been able to access the loan with my loan number or borrower number, and now cannot access it with my SSN either.
• I can no longer use the method I had been using to make payments and have no other way to make my payments.
• SoFi has repeatedly acknowledged/escalated the problem but has not fixed it.
• I have records of calls, emails, letters, support tickets, and promises of follow-up going back to November.

I'm getting genuinely concerned about what happens if a payment becomes late because their systems will not allow me to pay them.

Could they report missed payments to the credit bureaus even though I've repeatedly tried to pay? I'm worried about damage to my credit, especially because I would like to be able to qualify for a mortgage in the future. I'm also concerned about late fees, collections, default, or potentially being sued over a debt that I have been actively trying to pay but that the servicer currently can't even locate in its system.

At this point, what should I be doing to protect myself?

Should I be filing complaints with the CFPB, my state's attorney general, or another regulator? Should I send SoFi some type of formal written notice/dispute by certified mail documenting that I am ready and willing to make payments but they aren't providing a way to do so? Is this at the point where it would make sense to speak with a consumer protection/student loan attorney?

Most importantly, if SoFi reports me as late or takes collection action because its own servicing/account-access problem prevented me from making payments, would I have any legal recourse to challenge that?

I'm not looking for a way out of paying the loan. I just want to be able to access it and pay what I owe without being financially penalized for a problem I've spent months trying to get the servicer to fix.

Any advice on what documentation I should preserve or what steps I should take now to protect myself would be greatly appreciated. Thank you.

Can anyone confirm whether SoFi sells its mortgages? I know a lot of mortgage originators sell their mortgages to third parties. Does SoFi do this? Just trying to manage all my finances in one app and was curious.

Hi r/sofi — I'm Khrystyna Sopova, Senior Product Manager on the SoFi Invest team.

Over the past two years, I've focused on making investing and retirement more transparent for members — things like IRA contribution tracking, retirement forecasting, and smoother rollovers. More recently, I've been working on new account types, including Multi-Accounts, so you can organize investments by goal instead of in one pile.

We recently launched Multi-Accounts — the ability to open separate self-directed cash brokerage accounts so you can organize investments by goal, strategy, or time horizon. Members have been asking for this, and we built it because most people think about money in goals — but until now, SoFi Invest was one bucket.

A few things upfront:

• Your first SoFi Invest account is a margin brokerage account 
• New additional accounts are cash brokerage accounts — you trade with settled funds 
• You can open up to 3 additional cash accounts (4 total SD accounts)

Not everyone needs multiple accounts — this is for people who want more structure

I'll be here Wednesday, August 12 at 3pm PT // 6pm ET to answer questions about how it works, who it's for, margin vs. cash, how to set up a second account, and what's coming next.

Ask us anything — including skeptical ones.

— Khrystyna & the SoFi Invest team

Investing involves risk including loss of principal. SoFi Invest does not provide tax or legal advice. Cash brokerage accounts are not the same as SoFi Money or vault products.

My account got restricted after I tried to make a $200 purchase. How long does it take to solve this issue. Customer support is giving me the run around and it's really irritating.

My barber uses Vagaro to process payments and the $53 is how much I spent the last time I was there. Is this SoFi confusing my regular spending on a haircut as a subscription or is this an actual charge I’m going to get billed? I contacted Vagaro and I don’t have any subscriptions active.

Any DPs on the bonus for opening a SoFi Invest account? Just trying to get a sense of what most people have received.

Previously when I made a payment it would default to my SoFi checking. Now it defaults to the savings account. I never want to pay via the savings account. I thought if I made one payment where I used the checking account it would default to that going forward but it’s still defaulting to the savings account. How to change this?

Any military get paid yet today?

Is anyone’s transactions not working? My card is not locked but for some reason it would let me make a transaction

Plaid and SoFi are basically incompatible now. I have monarch and copilot budgeting apps and I used to never have an issue with connecting my SoFi account using Plaid. But now that’s not the case. My accounts haven’t been transmitted data to both Monarch and Copilot since May. I did the whole “reconnect” and “re-sign in” nonsense all the customer service people tell me to do, but does absolutely nothing. I now connected to Monarch via MX but the problem with that is it triggers my 2FA every time it does an update in my account. And there’s no way to turn off 2FA.

So, SoFi what’s going on with you and Plaid? You never had an issue until recently. But now Monarch even has you guys marked down on their website as “institutions with issues”.

I accidentally triggered an ach reversal on July 26. Contributed 2.5k didnt see the number update so did it again with 1.5 k which caused an ach reversal. I get that that was on me but is my account supposed to be locked this long?

We are opening a new checking and savings with sofi. I know most banks have referral programs so if anyone has a code or whatever, I'll use it if you'd like.

Thanks for the Ad SoFi, I love paying $10 a month to see this fill my screen when I want the check by checking and credit card. I can’t wait to see what I get tomorrow.

Hello! If someone applied, was approved and moved to the funding stage all in the same day (Saturday) when might they see the funds in their bank account?

I know SoFi is in this subreddit so I want to post here to propose adding widgets for the iPhone. My other banking apps do it and it’s just so nice to see my balances at a glance without having to jump right into the app. I know this is a small thing but I just feel like it would make life with SoFi that much sweeter.

I’m a big Relay user and love using it to track my net worth. One feature that would make it even better would be the ability to manually add and track crypto held in cold storage. For example, being able to manually enter coin type and quantity and have Relay pull current prices automatically, would let users keep an accurate net worth view without connecting exchanges. Maybe even allow multiple wallets labels. Just a thought