Keep checking sometimes observe what Sofi will provide you with every several months. We refinanced that have Sofi directly into good 5.35% speed (5.1% adopting the automobile-spend focus write off) with a good 10 seasons loan (
$125k harmony). I then refinanced that have Sofi again in to a great cuatro.0% interest rate (step three.75% after the vehicle-pay write off) which have a great 7 season loan (
Merely one thing to keep in mind continue examining right back towards rates since it cannot costs anything to keep refinancing that have Sofi. SaguaroSpines to your reddit, 8/
He confirmed the finance ended up being acquired at XXXX XXXX XXXX XXXX and therefore checking account XXXX try underneath the label XXXX XXXX
A whole lot more unfiltered customers recommendations away from SoFi arrive on TrustPilot (4.6 from 5), and ConsumerAffairs (2.8 off 5).
SoFi Individual Problems
Since individual financial institutions, student loan refinancing lenders fall under the fresh new legislation of the User Monetary Safety Bureau (CFPB), a national department. As an element of the mission, the latest CFPB allows customers so you can diary formal complaints. These issues are in public on the latest CFPB formal site.
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Since , users has actually submitted step one,296 issues on the SoFi getting an average of you to (1) complaint the three (3) days; that is nearly fifteen moments the average each day complaint speed certainly examined lenders. Among 601 complaints with personal narratives, at the very least 58 (nine.65%) source education loan refinancing.
Consumers file brand new yearly same in principle as one (1) problem per $5.326 billion when you look at the estimated business cash or you to (1) grievance for each and every sixteen professionals.
The allegations made in these complaints are unverified, are not always representative of all consumers’ experiences with SoFi, and will get have outdated information (about rates, bonus offers, etc.). Note that a lender with a large customer base is likely to also have a higher number of complaints when compared with smaller lenders.
Less than we have integrated about three (3) of the very recent and you can associated complaints (at the composing) where user consented to discussing the facts.
On XXXX I received a text message from phone number XXXX that my SOFI loan was in process, but that additional information was required to secure the loan. The message included a link to complete the application. I had not started a loan application or any inquiry into a loan application and I assumed this was a fraudulent text. I replied STOP to opt out of any future correspondence. Aprox. On XX/XX/22 I received multiple calls from XXXX phone number XXXX requesting information to complete another loan application. This prompted me to check my credit report. Upon which time I noticed that SOFI had pulled my credit on XX/XX/22. I called SOFI and learned that a personal loan in the amount of <$1>had been dispersed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. SOFI had all of my personal information on file ( XXXX, XXXX, Home Address, Phone, etc. ) I notified SOFI that this was a case of identity fraud and as of XX/XX/22 my case was being reviewed by their Fraud Dept. I called XXXX XXXX XXXX Bank and spoke to XXXX XXXX ( phone XXXX ) who works in their Fraud Dept. SOFI keeps forwarding me to their Fraud Investigative Team phone number ( XXXX ) that goes straight to voice mail. I can not get a valid case number or confirmation number and they will not give me a phone number or email address to call them directly. The funds have already been dispersed and I want this transaction wiped from my credit and all of my personal information removed from XXXX XXXX.