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 13, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 12, 2025 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
| Nov 12, 2025 | Debt collection | Threatened to contact someone or share information improperlyContacted you after you asked them to stop | Explained |
| Nov 10, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 7, 2025 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Oct 30, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 17, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 17, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 14, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 25, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 25, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 24, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Aug 31, 2025 | Debt collection | Electronic communicationsYou told them to stop contacting you, but they keep trying | Explained |
| Aug 27, 2025 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Aug 23, 2025 | Debt collection | Electronic communicationsYou told them to stop contacting you, but they keep trying | Explained |
| Aug 11, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 8, 2025 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Jul 16, 2025 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | Explained |
| Jul 9, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jul 5, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| May 27, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| May 19, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| May 15, 2025 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Apr 29, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Apr 21, 2025 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Apr 14, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 4, 2025 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Mar 31, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 24, 2025 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| Mar 21, 2025 | 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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