Just found out that if you lose access to your phone or phone number, they have 0 recourse to identify you as the account owner and will refuse to help you as a result. I literally cannot login to move my money between accounts to BUY A NEW PHONE because they refuse to verify me any other way than through a phone. May as well be a scam with operation procedures like that. As soon as I somehow get around this shit I'm getting all of my money away from them posthaste.

EDIT: For anyone asking/wondering, this was after calling their phone support and being told that without a phone number for them to verify, there's nothing to be done. And it seems to have devolved to people happily enjoying SoFi with no intent on losing their phones or other verification methods ever just lambasting me for a mistake out of my control, I'll no longer be engaging. I've left my warning and explanations, nothing left to contribute.