Bank accounts

SoFi bank accounts complaints

Consumers have filed 5,234 complaints about SoFi's bank accounts, 2,324 in the last 12 months (+26%). SoFi answered 100% on time and closed 8% with relief. See the whole SoFi record.

SoFi against other banks & credit unions

#	Company	12 months	Change	On time	Relief	All time
1	Wells Fargo	10,017	+26%	100%	18%	63,467
2	JPMorgan Chase	9,525	+11%	100%	14%	59,224
3	Bank of America	9,008	+44%	99.3%	42%	61,514
4	Chime	8,327	+80%	99.9%	9%	20,914
5	Capital One	4,339	-43%	100%	7%	23,879
6	Block (Cash App)	3,838	+18%	99.3%	0%	9,390
7	Citibank	3,800	+11%	100%	35%	25,575
8	Navy Federal Credit Union	3,599	-66%	100%	33%	22,207
9	U.S. Bank	2,560	+49%	100%	19%	15,963
10	Truist	2,365	+33%	99.9%	11%	10,420
11	SoFi	2,324	+26%	100%	8%	5,234
12	PNC Bank	2,243	+48%	100%	14%	15,615

Every bank ranked

Latest SoFi bank accounts complaints

Received	About	Issue	State	Answer	On time
Nov 8, 2026	Bank accounts	Managing an accountProblem using a debit or ATM card	UT	Explained	Yes
Nov 6, 2026	Bank accounts	Problem with a lender or other company charging your accountTransaction was not authorized	ME	Explained	Yes
Nov 5, 2026	Bank accounts	Problem with a lender or other company charging your accountTransaction was not authorized	FL	Explained	Yes
Nov 5, 2026	Bank accounts	Managing an accountProblem making or receiving payments	CA	Explained	Yes
Nov 4, 2026	Bank accounts	Problem with a lender or other company charging your accountTransaction was not authorized	WA	Explained	Yes
Nov 4, 2026	Bank accounts	Closing an accountCompany closed your account	CA	Explained	Yes
Nov 4, 2026	Bank accounts	Closing an accountFunds not received from closed account	PA	Explained	Yes
Nov 4, 2026	Bank accounts	Managing an accountProblem using a debit or ATM card	MA	Explained	Yes
Nov 3, 2026	Bank accounts	Managing an accountProblem using a debit or ATM card	FL	Explained	Yes
Nov 3, 2026	Bank accounts	Managing an accountProblem using a debit or ATM card	TX	Explained	Yes
Nov 2, 2026	Bank accounts	Managing an accountProblem using a debit or ATM card	MN	Explained	Yes
Nov 1, 2026	Bank accounts	Closing an accountCan't close your account	NC	Explained	Yes
Nov 1, 2026	Bank accounts	Managing an accountDeposits and withdrawals	PA	Explained	Yes
Nov 1, 2026	Bank accounts	Managing an accountDeposits and withdrawals	NC	Explained	Yes
Nov 1, 2026	Bank accounts	Managing an accountProblem using a debit or ATM card	TX	Explained	Yes
Oct 31, 2026	Bank accounts	Managing an accountBanking errors	SC	Explained	Yes
Oct 31, 2026	Bank accounts	Managing an accountProblem accessing account	MT	Explained	Yes
Oct 31, 2026	Bank accounts	Managing an accountDeposits and withdrawals	VA	Explained	Yes
Oct 30, 2026	Bank accounts	Managing an accountDeposits and withdrawals	MD	Explained	Yes
Oct 30, 2026	Bank accounts	Managing an accountDeposits and withdrawals	CA	Money back	Yes
Oct 30, 2026	Bank accounts	Managing an accountProblem using a debit or ATM card	AZ	Explained	Yes
Oct 30, 2026	Bank accounts	Managing an accountProblem using a debit or ATM card	TX	Explained	Yes
Oct 30, 2026	Bank accounts	Managing an accountDeposits and withdrawals	SC	Explained	Yes
Oct 30, 2026	Bank accounts	Opening an accountDidn't receive terms that were advertised	NY	Explained	Yes
Oct 29, 2026	Bank accounts	Managing an accountFunds not handled or disbursed as instructed	KY	Explained	Yes
Oct 29, 2026	Bank accounts	Managing an accountProblem using a debit or ATM card	NY	Money back	Yes
Oct 29, 2026	Bank accounts	Managing an accountDeposits and withdrawals	AL	In progress	Yes
Oct 28, 2026	Bank accounts	Managing an accountProblem accessing account	FL	Explained	Yes
Oct 28, 2026	Bank accounts	Managing an accountProblem using a debit or ATM card	PA	Explained	Yes
Oct 28, 2026	Bank accounts	Managing an accountProblem using a debit or ATM card	OH	Explained	Yes

Your rights with banks & credit unions

For electronic transfers and debit cards, Regulation E gives you 60 days from the statement to report an error or unauthorized transaction; the bank must investigate, generally within 10 business days or give provisional credit while it takes longer. Reporting a lost card quickly limits what you can lose. Deposits at insured banks are protected up to $250,000 by the FDIC (credit unions by the NCUA).

Scam warning: Banks do not ask you to move money to a "safe account", and a bank employee will not ask for your password or one-time code. If a caller says they are from your bank, hang up and call the number on your card.

General information, not legal advice; rules vary by state. Plain-English guides

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Complaint records are public consumer complaints filed with U.S. regulators, checked 12 minutes ago (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