Investigation and Resolution of Errors. We will determine whether an Unauthorized Transaction or other account error occurred within ten (10) Business Days after we hear from you and will correct any Unauthorized Transaction or other account error within one (1) business day after determination of error.. If we need more time, however, we may take up to forty‐five (45) days to investigate your dispute. If we decide to do this, we will provisionally credit your Account within ten (10) Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation, and provide notice to you within two (2) business days after the provisional crediting of the amount and date of the provisional crediting. If we ask you to put your dispute in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Account. Upon request, you agree to report any potential fraudulent event promptly to legal authorities and provide us a copy of any report prepared by such legal authorities. You agree to cooperate fully with the legal authorities and SoFi Bank in any investigation of any potential fraudulent event and you will complete any required affidavits promptly, accurately and thoroughly. We will not delay our initiation or completion of an investigation of any Unauthorized Transaction or other account error if you do not provide a copy of any such report. You understand that if you fail to cooperate with SoFi Bank, such failure may delay our investigation and, in some cases, delay your ability to regain access to the funds in your Account. You agree to indemnify and hold SoFi Bank and its affiliates harmless from and against any losses arising out of or relating to any unauthorized use. For errors involving new Accounts (i.e., accounts opened less than 30 days old), point‐of‐sale transactions using your SoFi Bank Debit Card, or foreign‐initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new Accounts, we may take up to twenty (20) Business Days to provisionally credit your Account for the amount you think is in error. We will tell you the results within three (3) Business Days after completing our investigation, including notice that a provisional credit has been made final, if applicable. If we determine that there was no Unauthorized Transaction or other account error or if a different error occurred, we will send you a written explanation. You ...
