Credit cards
SoFi credit cards complaints
Consumers have filed 418 complaints about SoFi's credit cards, 226 in the last 12 months (+81%). SoFi answered 100% on time and closed 10% with relief. See the whole SoFi record.
SoFi against other credit card companies
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | Capital One | 14,231 | 99.9% | 22% |
| 2 | Citibank | 12,511 | 99.9% | 42% |
| 3 | Synchrony | 9,417 | 95.9% | 20% |
| 4 | JPMorgan Chase | 7,363 | 100% | 21% |
| 5 | Bank of America | 6,335 | 99.3% | 39% |
| 6 | American Express | 5,838 | 98.7% | 23% |
| 7 | Wells Fargo | 3,702 | 99.9% | 27% |
| 8 | Bread Financial (Comenity) | 3,690 | 100% | 47% |
| 9 | Goldman Sachs Bank (Apple Card, Marcus) | 3,156 | 100% | 27% |
| 10 | Barclays US | 2,871 | 100% | 7% |
| 11 | U.S. Bank | 2,011 | 100% | 33% |
| 12 | TransUnion | 1,897 | 100% | 57% |
| 13 | SoFi | 226 | 100% | 10% |
Latest SoFi credit cards complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Jul 30, 2026 | Credit cards | Other features, terms, or problemsOther problem | Explained |
| Jul 29, 2026 | Credit cards | Fees or interestProblem with fees | Explained |
| Jul 28, 2026 | Credit cards | Other features, terms, or problemsProblem with customer service | Explained |
| Jul 26, 2026 | Credit cards | Other features, terms, or problemsOther problem | Explained |
| Jul 25, 2026 | Credit cards | Problem with a purchase shown on your statementCard was charged for something you did not purchase with the card | Money back |
| Jul 24, 2026 | Credit cards | Fees or interestProblem with fees | Explained |
| Jul 20, 2026 | Credit cards | Struggling to pay your billCredit card company won't work with you while you're going through financial hardship | Explained |
| Jul 16, 2026 | Credit cards | Problem with a purchase shown on your statementCard was charged for something you did not purchase with the card | Explained |
| Jul 15, 2026 | Credit cards | Fees or interestCharged too much interest | Explained |
| Jul 10, 2026 | Credit cards | Fees or interestProblem with fees | Explained |
| Jul 9, 2026 | Credit cards | Problem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statement | Explained |
| Jul 9, 2026 | Credit cards | Fees or interestProblem with fees | Explained |
| Jul 8, 2026 | Credit cards | Problem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statement | Explained |
| Jul 8, 2026 | Credit cards | Problem when making paymentsProblem during payment process | Explained |
| Jul 7, 2026 | Credit cards | Problem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statement | Explained |
| Jul 7, 2026 | Credit cards | Trouble using your cardCan't use card to make purchases | Explained |
| Jul 5, 2026 | Credit cards | Other features, terms, or problemsProblem with balance transfer | Explained |
| Jul 5, 2026 | Credit cards | Closing your accountCompany closed your account | Money back |
| Jul 3, 2026 | Credit cards | Trouble using your cardCredit card company won't increase or decrease your credit limit | Explained |
| Jun 27, 2026 | Credit cards | Fees or interestProblem with fees | Explained |
| Jun 26, 2026 | Credit cards | Other features, terms, or problemsOther problem | Explained |
| Jun 26, 2026 | Credit cards | Fees or interestProblem with fees | Explained |
| Jun 20, 2026 | Credit cards | Fees or interestProblem with fees | Explained |
| Jun 16, 2026 | Credit cards | Problem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statement | Explained |
| Jun 16, 2026 | Credit cards | Getting a credit cardCard opened without my consent or knowledge | Explained |
| Jun 15, 2026 | Credit cards | Other features, terms, or problemsPrivacy issues | Explained |
| Jun 14, 2026 | Credit cards | Fees or interestProblem with fees | Explained |
| Jun 9, 2026 | Credit cards | Problem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statement | Explained |
| Jun 6, 2026 | Credit cards | Trouble using your cardCredit card company won't increase or decrease your credit limit | Explained |
| Jun 5, 2026 | Credit cards | Problem when making paymentsProblem during payment process | Explained |
Your rights with credit card companies
Under the Fair Credit Billing Act you have 60 days from the statement date to dispute a billing error in writing, and the issuer must investigate. Your liability for unauthorized charges is capped at $50 by law (and usually zero in practice). Issuers must give 45 days' notice before raising your interest rate or most fees.
Scam warning: Your card company will never ask you to read out a full card number, PIN or one-time code on a call it made. Hang up and call the number on the back of the card.
General information, not legal advice; rules vary by state. Plain-English guides
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
Talk about SoFi
No comments yet. Start the conversation - questions are welcome too.