Debt collection
SoFi debt collection complaints
Consumers have filed 160 complaints about SoFi's debt collection, 90 in the last 12 months (+91%). SoFi answered 100% on time and closed 1% with relief. See the whole SoFi record.
SoFi against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | SoFi | 90 | 100% | 1% |
Latest SoFi debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 2, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 23, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 21, 2026 | Debt collection | False statements or representationIndicated you were committing crime by not paying debt | Explained |
| Oct 17, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 15, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 8, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Oct 7, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 5, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 23, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 22, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 20, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 17, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 15, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Sep 10, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 3, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Aug 28, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Aug 27, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Aug 27, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Aug 19, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Aug 5, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 2, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 30, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jul 29, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Jul 27, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 8, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jul 5, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jul 4, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 1, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Jun 30, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 25, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
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
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