SoFi Made an Error on My Loan Payment and Took 2 Months to Fix It.

SoFi applied my payment to the wrong account. Two months of calls to resolve. They eventually fixed it and credited my account $50 for the hassle.

The lesson here is that most refund denials are not final. Companies have discretionary policies that allow exceptions, but they rarely advertise them. The key is knowing which policy to reference and how to frame your request.

If you are dealing with a similar situation with SoFi Made an, do not accept the first denial. Research their refund policy, find the specific clause that supports your case, and write a professional appeal referencing it. That single step can turn a “no” into a “yes.”

I use LaimRefund to do this research automatically. It searches the platform’s policies and relevant consumer laws, then drafts a professional appeal letter. Free to check your odds, only $3.99 to unlock the full letter.