Total CFPB complaints
105
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 105 complaints
SOFI TECHNOLOGIES, INC. — Debt Collector Complaint Profile
CFPB complaint profile across 29 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about SOFI TECHNOLOGIES, INC.
- Attempts to collect debt not owed
Attempts to collect debt not owed
34 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
16 complaints
- Written notification about debt 13
Written notification about debt
13 complaints
- Communication tactics 10
Communication tactics
10 complaints
- False statements or representation 9
False statements or representation
9 complaints
- Electronic communications 3
Electronic communications
3 complaints
D
Grade D · 53.2/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about SOFI TECHNOLOGIES, INC.?
SOFI TECHNOLOGIES, INC. has accumulated 105 total CFPB complaints across 29 states, with 63 filed in the most recent 12 months against 42 historical complaints before that window. The trailing-12-month volume represents 60.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 29 states, led by California with 17 and Florida with 10, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 53.2/100 places SOFI TECHNOLOGIES, INC. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
63
60.0% of total history
Rising ↑
States active
29
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
D
53.2/100 composite
Response-quality profile
How SOFI TECHNOLOGIES, INC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 51.8%
Share of US states + territories with at least one filed complaint against this collector.
How does SOFI TECHNOLOGIES, INC. compare to its peers?
SOFI TECHNOLOGIES, INC… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed34 (%)
Took or threatened to take negative or legal action16 (%)
Written notification about debt13 (%)
False statements or representation9 (%)
Communication tactics10 (%)
Electronic communications3 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 18 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 16 |
| Written notification about debt | Didn't receive enough information to verify debt | 13 |
| False statements or representation | Attempted to collect wrong amount | 9 |
| Attempts to collect debt not owed | Debt was result of identity theft | 8 |
| Communication tactics | Frequent or repeated calls | 7 |
| Attempts to collect debt not owed | Debt was paid | 5 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 3 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 3 |
| Electronic communications | Frequent or repeated messages | 3 |
Where do complaints against SOFI TECHNOLOGIES, INC. come from?
The states where consumers have filed the most CFPB complaints against SOFI TECHNOLOGIES, INC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against SOFI TECHNOLOGIES, INC.
Across 29 states with at least one filing
- California
California
17 complaints
- Florida
Florida
10 complaints
- Georgia
Georgia
9 complaints
- Texas
Texas
9 complaints
- New York
New York
8 complaints
- Illinois
Illinois
8 complaints
- Michigan 6
Michigan
6 complaints
- Nevada 5
Nevada
5 complaints
Frequently Asked Questions
What is the most common complaint against SOFI TECHNOLOGIES, INC.? ▼
The most common issue consumers report about SOFI TECHNOLOGIES, INC. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 105 complaints filed with the CFPB.
Are complaints against SOFI TECHNOLOGIES, INC. increasing or decreasing? ▼
Complaints against SOFI TECHNOLOGIES, INC. are rising. The company received 63 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is SOFI TECHNOLOGIES, INC.'s reputation grade? ▼
SOFI TECHNOLOGIES, INC. has a reputation grade of D (score: 53.2/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does SOFI TECHNOLOGIES, INC. respond to consumer complaints? ▼
SOFI TECHNOLOGIES, INC. has a 100% timely response rate to CFPB complaints.
In how many states does SOFI TECHNOLOGIES, INC. operate? ▼
SOFI TECHNOLOGIES, INC. has received CFPB complaints from consumers in 29 states, with the most complaints from California (17 complaints).
What can I do if SOFI TECHNOLOGIES, INC. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If SOFI TECHNOLOGIES, INC. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |