This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 131 complaints

Sofi Technologies, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 32 states, reputation grade D.

Complaints by issue type

What consumers report about Sofi Technologies, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record sofi-technologies-inc Sofi Technologies, Inc.

Grade D · 131 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed

  • VOL 131
  • GRADE D
  • 12MO 80
  • STATES 32
  • TIMELY 100%
  • ISSUE Attempts to collect debt n…
  • RANK #713
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Bay Area Receivables, Inc (131 complaints)

Bay Area Receivables, IncBay Area Receivables, Inc131Sofi Technologies, Inc. (this)Sofi Technologies, Inc. (thi…131Account Discovery Systems, LLCAccount Discovery Systems, L…132Big Picture Loans, LLCBig Picture Loans, LLC132Eastpoint Recovery Group, IncEastpoint Recovery Group, Inc132
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Sofi Technologies, Inc.'s 131 CFPB complaints sit next to Bay Area Receivables, Inc on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 131 complaints break down

Every complaint issue type on record for Sofi Technologies, Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
50.2/100
Sofi Technologies, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
131
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

California is the plurality state for Sofi Technologies, Inc. (15.3%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
California 15.3%
Mid-band (15–30%) · 32 states with ≥1 filing
Seasonal peak
2021-09 10.8%
8–15% band · 4 filings
Corpus ranks
#713 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Sofi Technologies, Inc. compare to its peers?

How does SOFI TECHNOLOGIES, INC. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
SOFI TECHNOLOGIES, INC. National average
Complaints (last 12 mo)lower is better
80
8
268
Timely-response ratehigher is better
100%
82%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Sofi Technologies, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 20%40%60%80%100%120% 0%20%40%60% Timely response rate (%) Dispute rate (%) Sofi Technologies, Inc. vs. 10 similar-volume peers, by response speed and dispute rate Bay Area Receivables, IncFinancial Accounts Service Team Inc.Eastpoint Recovery Group, IncFreedom Mortgage CompanyBig Picture Loans, LLCGreen & Sons Agency, Inc.Account Discovery Systems, LLCNCSPLUS INCORPORATEDNevada Credico, Inc.PRESTIGE FINANCIAL SERVICES INC
Source: CFPB Consumer Complaint Database

Sofi Technologies, Inc.'s complaint volume in context

Sofi Technologies, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

131 Top 13% higher than 87% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). This entry sits in this band. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Sofi Technologies, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2020-03 2025-05

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
50
Took or threatened to take negative or legal action
30
Written notification about debt
17
Communication tactics
14
False statements or representation
12
Electronic communications
5
Threatened to contact someone or share information improperly
3

Where do complaints against Sofi Technologies, Inc. come from?

Sofi Technologies, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Sofi Technologies, Inc.

Across 32 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Sofi Technologies, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 131.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 100%.

4 peers

Know your rights before responding to Sofi Technologies, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.