Inaccurate interest rate display and poor AI support
💸 moneyproduct problemSingle report ●●●●●
A SoFi user reports that the interest rate displayed in the app does not match the promotional rate promised via their company link, and they are unable to reach a human representative to resolve the discrepancy due to repetitive, unhelpful AI chat loops.
What people do today
- Contacting customer service via chat
- Waiting for a human representative
🔧 Fix this
Ideas a builder, maker or community group could start on:
- A browser extension that flags discrepancies between promotional landing page rates and in-app account data for banking users.
- A third-party customer service escalation platform that verifies human-only support channels for specific financial institutions.
- A policy requiring financial apps to provide a direct 'human agent' toggle in chat interfaces when a user has been stuck in an AI loop for over five minutes.
Real voices
“It said on SoFi’s website that I’d be getting 3.80% APY but the app only showed 3.10%. I contacted customer service, stupid AI answers without understanding my question. I ask to be connected to a human. It says a human has joined but its just another AI telling me to keep waiting”
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