CFPB · Faster timely-response band
Sofi Technologies, Inc.
6.3K CFPB complaints · 99.9% timely (fast band) · top issue Managing an account.
Sofi Technologies, Inc. answers 99.9% on time (upper third) across 6.3K filings. Relief 8% · top product Checking or savings account. Allegations, not findings.
- Faster timely-response band
- +0.4% filings 2024 to 2026
CFPB relief outcome brief
CCDB company sofi-technologies-inc
8% relief · 99.9% timely · 6.3K filings · Checking or savings account
Same-product relief peers
Nearest relief peer: Chime Financial Inc (7.9% relief)
Sofi Technologies, Inc. closes 8% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Sofi Technologies, Inc. scores strongest on timely response (100/100 percentile-benchmarked) and weakest on relief provided (37/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
37 / 100 percentile-benchmarked
8% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
99.9% of complaints answered inside the CFPB 15-day window
Closed with explanation
83 / 100 percentile-benchmarked
91% of complaints closed with an explanation to the consumer
Most of Sofi Technologies, Inc.'s 6.3K filings include narrative text
53.1% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Sofi Technologies, Inc. complaint mix by product
- Checking or 4K 69.1% – 8% relief
- Payday loan, 442 7.1% – 10% relief
- Credit reporting 386 6.2% – 4% relief
- Money transfer, 367 5.9% – 7% relief
- Credit card 331 5.3% – 12% relief
- Student loan 265 4.3% – 8% relief
- Debt collection 130 2.1% – 1% relief
Heavy-volume mix: how Sofi Technologies, Inc.'s 6.3K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Checking or savings account | 4.3K |
| Payday loan, title loan, personal loan, or advance loan | 442 |
| Credit reporting or other personal consumer reports | 386 |
| Money transfer, virtual currency, or money service | 367 |
| Credit card | 331 |
| Student loan | 265 |
| Debt collection | 130 |
| Mortgage | 95 |
| Prepaid card | 15 |
| Debt or credit management | 7 |
| Vehicle loan or lease | 1 |
Nationwide filing states for Sofi Technologies, Inc.
Top states by attributed volume, heavy-filing company
- Leading state
- CA
- 15% of this company's filings
Sofi Technologies, Inc. complaints by year
Annual filing volume from the CFPB public database
- 2026
- 1.7K
- +0.4% vs 2024
Volume vs. relief
Where Sofi Technologies, Inc. sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Sofi Technologies, Inc. files more complaint volume than 72% of them, and closes complaints with relief more often than 64% of them, placing it in the quadrant for high volume, above-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 6,339 · Closed with relief: 8.0%
Top States
| State | Complaints |
|---|---|
| CA | 954 |
| TX | 608 |
| FL | 533 |
| NY | 420 |
| GA | 309 |
| IL | 282 |
| PA | 230 |
| NJ | 209 |
| OH | 177 |
| NC | 174 |
| VA | 145 |
| MI | 142 |
| CO | 138 |
| WA | 136 |
| AZ | 130 |
| MA | 126 |
| MD | 119 |
| TN | 110 |
| IN | 95 |
| SC | 95 |
Top Issues
| Issue | Complaints |
|---|---|
| Managing an account | 2.7K |
| Problem with a lender or other company charging your account | 656 |
| Closing an account | 621 |
| Incorrect information on your report | 217 |
| Opening an account | 194 |
| Dealing with your lender or servicer | 182 |
| Fraud or scam | 151 |
| Problem with a purchase shown on your statement | 145 |
| Problem with a company's investigation into an existing problem | 125 |
| Improper use of your report | 116 |
| Getting the loan | 111 |
| Other transaction problem | 78 |
| Problem when making payments | 76 |
| Problem caused by your funds being low | 72 |
| Struggling to pay your loan | 51 |
| Attempts to collect debt not owed | 49 |
| Fees or interest | 49 |
| Unauthorized transactions or other transaction problem | 47 |
| Charged fees or interest you didn't expect | 43 |
| Getting a line of credit | 40 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2024 | 1.7K | 99.8% |
| 2025 | 2.9K | 100% |
| 2026 | 1.7K | 100% |
Source: CFPB Consumer Complaint Database
Sofi Technologies, Inc. in the faster-timely third
Sofi Technologies, Inc.'s 6,339 logged complaints reach a nationwide footprint - 53 states have at least one filing. 53.1% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2024 through 2026-06-26. Timely response 99.9% sits in the upper third of the corpus.
Sofi Technologies, Inc. answers 99.9% of complaints inside the CFPB's tracked window (timely band: fast) and closes 8% with relief; 91% close with a written explanation. Consumers disputed 0% of responses after the company replied. Top product "Checking or savings account" · top issue "Managing an account."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Sofi Technologies, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Sofi Technologies, Inc.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 6.3K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.9%.
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.
Data sourced from official public datasets for Sofi Technologies, Inc. (#96 of 342; 99.9% timely; 8% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Faster timely-response band