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 |
|---|---|---|---|
| Jun 12, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jun 9, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 9, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 4, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| May 29, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 18, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| May 13, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| May 5, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 2, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Apr 30, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 25, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Apr 21, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 17, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 11, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Apr 9, 2026 | Debt collection | False statements or representationImpersonated attorney, law enforcement, or government official | Explained |
| Apr 7, 2026 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Apr 5, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Mar 30, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Mar 26, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Mar 24, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Mar 18, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 12, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 11, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Mar 5, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 3, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 3, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 2, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 2, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 27, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 26, 2026 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | 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
Talk about SoFi
No comments yet. Start the conversation - questions are welcome too.