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
Oct 28, 2026	Bank accounts	Managing an accountFunds not handled or disbursed as instructed	CA	In progress	Yes
Oct 28, 2026	Bank accounts	Managing an accountProblem accessing account	TX	Explained	Yes
Oct 28, 2026	Bank accounts	Managing an accountProblem using a debit or ATM card	MS	In progress	Yes
Oct 28, 2026	Bank accounts	Managing an accountDeposits and withdrawals	CA	Explained	Yes
Oct 28, 2026	Bank accounts	Managing an accountProblem accessing account	AR	Explained	Yes
Oct 28, 2026	Bank accounts	Closing an accountFunds not received from closed account	NY	Explained	Yes
Oct 28, 2026	Bank accounts	Managing an accountProblem making or receiving payments	NJ	Explained	Yes
Oct 28, 2026	Bank accounts	Closing an accountFunds not received from closed account	TX	Explained	Yes
Oct 28, 2026	Bank accounts	Opening an accountConfusing or missing disclosures	WI	Explained	Yes
Oct 27, 2026	Bank accounts	Closing an accountCompany closed your account	IL	Explained	Yes
Oct 27, 2026	Bank accounts	Opening an accountDidn't receive terms that were advertised	WI	Explained	Yes
Oct 27, 2026	Bank accounts	Closing an accountCompany closed your account	CA	Explained	Yes
Oct 27, 2026	Bank accounts	Managing an accountDeposits and withdrawals	TX	Explained	Yes
Oct 27, 2026	Bank accounts	Managing an accountProblem using a debit or ATM card	FL	Explained	Yes
Oct 27, 2026	Bank accounts	Managing an accountFunds not handled or disbursed as instructed	NC	Explained	Yes
Oct 27, 2026	Bank accounts	Problem with a lender or other company charging your accountCan't stop withdrawals from your account	IA	Explained	Yes
Oct 27, 2026	Bank accounts	Managing an accountProblem using a debit or ATM card	FL	Explained	Yes
Oct 27, 2026	Bank accounts	Managing an accountProblem making or receiving payments	AL	Explained	Yes
Oct 27, 2026	Bank accounts	Managing an accountDeposits and withdrawals	LA	Explained	Yes
Oct 27, 2026	Bank accounts	Managing an accountProblem using a debit or ATM card	TN	Explained	Yes
Oct 27, 2026	Bank accounts	Managing an accountProblem accessing account	LA	Explained	Yes
Oct 27, 2026	Bank accounts	Managing an accountProblem using a debit or ATM card	PA	Money back	Yes
Oct 27, 2026	Bank accounts	Opening an accountDidn't receive terms that were advertised	CA	Explained	Yes
Oct 27, 2026	Bank accounts	Managing an accountBanking errors	KS	Explained	Yes
Oct 27, 2026	Bank accounts	Problem with a lender or other company charging your accountTransaction was not authorized	NY	In progress	Yes
Oct 26, 2026	Bank accounts	Managing an accountProblem using a debit or ATM card	NC	Explained	Yes
Oct 26, 2026	Bank accounts	Managing an accountProblem using a debit or ATM card	NY	Explained	Yes
Oct 26, 2026	Bank accounts	Managing an accountCashing a check	TX	Explained	Yes
Oct 26, 2026	Bank accounts	Managing an accountProblem using a debit or ATM card	MS	Explained	Yes
Oct 26, 2026	Bank accounts	Closing an accountCompany closed your account	FL	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

Talk about SoFi

No comments yet. Start the conversation - questions are welcome too.

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