Total complaints
6
Filed since B of
2026 data Public-data reference. official source
so
6 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
6 consumer complaints filed with the CFPB
This profile shows so's complaint history from CFPB public records. 6 consumers have filed complaints since B of. The company has a 0% timely response rate and has provided relief in 0% of cases.
6
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
6
States Active
B of
Since
Timely response
0%
CFPB-tracked response window
Relief rate
0%
Closed with monetary or non-monetary relief
Timely response rate 0.0%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 0.0%
Industry median
Share closed with monetary or non-monetary relief.
so complaint mix by product
- but unfortunately 1 16.7% – 0% relief
- nor to 1 16.7% – 0% relief
- XXXX 1 16.7% – 0% relief
- I checked 1 16.7% – 0% relief
- XXXX had 1 16.7% – 0% relief
- for paying 1 16.7% – 0% relief
How so's 6 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| but unfortunately | 1 |
| nor to us | 1 |
| XXXX | 1 |
| I checked my email after work ( after XXXX ) and saw 2 emails from Bank of America titled- reduction of credit limit '' | 1 |
| XXXX had sent me a temporary password | 1 |
| for paying this monthly amount. I repeatedly asked them why they charge it | 1 |
Top States
| State | Complaints |
|---|---|
| I am still entitled to a refund from the merchant. | 1 |
| theoretically | 1 |
| everyone is getting different amounts owed all the time. '' What kind of mortgage company??? I am frightened.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Shellpoint Partners | 1 |
| I requested a Supervisor. I was told by Agent that I will need to speak a Supervisor in the Credit XXXX team which is closed and I will need to call back the next day. | 1 |
| she can do more research and when XXXX had returned to my held telephone call left onto the hold position. And | 1 |
| SPS has confirmed | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| however | 1 |
| had shared | 1 |
| Shellpoint Mortgage Servicing. With every phone call | 1 |
| because nothing has changed with my credit and my payment was not late over 30 days. XXXX was due on XXXX of XXXX and I made the payments on the XXXX XXXX. I called Bank of America to see what is the reason for this credit limit reduction. The Agent stated this can be a result of a delinquent of one or more accounts | 1 |
| XXXX at XXXX | 1 |
| and they dont seem to have answered the question | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About so
so has accumulated 6 consumer complaints in the CFPB public database, with filings active across 6 U.S. states. Of those submissions, 6 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to B of, and the most recent logged activity is They once , giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, so reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "but unfortunately", and the single most common underlying issue is "however".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating so: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does so have?
so has received 6 consumer complaints filed with the Consumer Financial Protection Bureau.
Does so respond to complaints on time?
so has a 0% timely response rate to CFPB complaints.
What is the most common complaint about so?
The most common issue reported against so is "however" in the "but unfortunately" product category.
Read our methodology — how this data is sourced, computed, and verified.
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