Bank · complaint record
SoFi complaints
Filed under SOFI TECHNOLOGIES, INC.
Consumers have filed 7,804 complaints about SoFi since 2024, 3,647 of them in the last 12 months (+35% on the year before). It answered 100% on time and closed 8% with relief for the customer - less often than a typical bank. The most common problem is managing an account. It is the 9th most complained-about of 188 banks & credit unions this year.
Average response record. How it works
- Complaints on record
- 7,804
- Last 12 months
- 3,647
- Answered on time
- 100%
- Closed with relief
- 8%
- Last 30 days
- 203
- Rank
- #9 of 188
Since March 2024
+35% vs the year before
Industry: 99.3%
Typical bank: 19%
Newest: Nov 8, 2026
Most complained-about banks & credit unions
SoFi complaints by month
The busiest month was October 2026 (388 complaints). Complaints in the last 12 months are up 35% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How SoFi answered last 12 months
- Closed with monetary relief2436.7%
- Closed with non-monetary relief340.9%
- Closed with explanation3,34291.6%
- In progress280.8%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers8/407.7% closed with relief
- Complaint trend6/15+35% vs last year
What SoFi complaints are about
Top SoFi problems last 12 months
Inside "Managing an account"
- Deposits and withdrawals 1,187
- Problem using a debit or ATM card 1,083
- Funds not handled or disbursed as instructed 318
- Problem accessing account 258
- Banking errors 230
- Problem making or receiving payments 205
Where SoFi complaints come from
Most complaints: California (1,161), Texas (774), Florida (644), New York (504), Georgia (371).
SoFi compared with other banks & credit unions
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | U.S. BankBank accounts | 83 | 7,023 | A |
| 2 | TruistBank accounts | 63 | 5,854 | C |
| 3 | PNC BankBank accounts | 63 | 3,893 | C |
| 4 | SoFiBank accounts | 59 | 3,647 | C |
| 5 | USAABank accounts | 72 | 3,247 | B |
| 6 | Fifth Third BankBank accounts | 61 | 2,784 | C |
| 7 | Citizens BankBank accounts | 73 | 2,163 | B |
| 8 | Huntington BankBank accounts | 84 | 2,144 | A |
Compare side by side: SoFi vs U.S. Bank · SoFi vs Truist · SoFi vs PNC Bank · SoFi vs USAA
What people say about SoFi
All experiencesNo experiences with SoFi yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest SoFi complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 8, 2026 | Bank accounts | Managing an accountProblem using a debit or ATM card | Explained |
| Nov 6, 2026 | Bank accounts | Problem with a lender or other company charging your accountTransaction was not authorized | Explained |
| Nov 6, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Nov 5, 2026 | Bank accounts | Problem with a lender or other company charging your accountTransaction was not authorized | Explained |
| Nov 5, 2026 | Money transfers & apps | Money was not available when promised | Explained |
| Nov 5, 2026 | Bank accounts | Managing an accountProblem making or receiving payments | Explained |
| Nov 4, 2026 | Payday & personal loans | Getting the loan | Explained |
| Nov 4, 2026 | Bank accounts | Problem with a lender or other company charging your accountTransaction was not authorized | Explained |
| Nov 4, 2026 | Bank accounts | Closing an accountCompany closed your account | Explained |
| Nov 4, 2026 | Bank accounts | Closing an accountFunds not received from closed account | Explained |
| Nov 4, 2026 | Bank accounts | Managing an accountProblem using a debit or ATM card | Explained |
| Nov 4, 2026 | Payday & personal loans | Problem with the payoff process at the end of the loan | Explained |
Questions about SoFi
How many complaints does SoFi have?
SoFi has 7,804 complaints on record since March 2024, including 3,647 in the last 12 months and 203 in the last 30 days. That makes it number 49 of every company by complaints this year.
Does SoFi respond to complaints?
Yes. SoFi answered 100% of its complaints on time (within 15 days) and closed 8% with relief - money back or a fix; 6.7% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 59/100 (grade C).
What do people complain about most with SoFi?
The most common problems are managing an account (3,342), problem with a lender or other company charging your account (814), closing an account (737).
Is SoFi legit?
SoFi is a real company with a public complaint record: consumers have complained about it 7,804 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is SoFi legit? for the signals, red flags and how to protect yourself.
Are complaints about SoFi going up or down?
Up. There were 3,647 complaints in the last 12 months against 2,696 in the 12 before (+35%). See every month.
How do I file a complaint against SoFi?
Complain to SoFi in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most SoFi complaints come from?
Most come from California (1,161), Texas (774), Florida (644). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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