--- company: sofi title: SoFi — how complaints actually go last_verified: 2026-10-13 --- ## In short Use SoFi chat or call (855) 456-7634. Dispute a debit card charge you did not make online with Report an issue (posted, up to five transactions, last 92 days); SoFi Credit Card disputes go by phone to 844-945-7634. SoFi publishes no complaint escalation path, so a CFPB complaint is the main next step; in the 12 months to June 2026, 9.3% of CFPB complaints about SoFi closed with relief and all were answered on time. SoFi Bank is a national bank, so the OCC is the bank regulator. SoFi says it never contacts you first, so treat any unexpected "SoFi" message as suspect. ## How complaints actually go - SoFi takes complaints and feedback by chat (virtual assistant 24/7, live team members during business hours) and by phone at (855) 456-SOFI (7634), Monday to Thursday 8 AM to 10 PM ET and Friday to Sunday 8 AM to 8 PM ET. The page gives no response time or escalation steps. [SoFi: complaints and feedback](https://support.sofi.com/hc/en-us/articles/37103586752781-Complaints-Feedback) - In writing, SoFi's legal page says customer complaints sent to its legal notices address (legalnotices@sofi.org) are forwarded to the appropriate complaints departments. [SoFi: subpoena and legal requests](https://www.sofi.com/subpoena-legal-requests/) - A CFPB complaint goes to SoFi for a response, generally within 15 days, or a final response within 60 days in some cases; you then have 60 days to give feedback. [CFPB: what happens after you submit a complaint](https://www.consumerfinance.gov/complaint/process/) - The OCC takes complaints about national banks such as SoFi Bank, N.A. It asks you to try the bank first and cannot act as your attorney, get involved in litigated matters or seek monetary compensation. [OCC HelpWithMyBank: file a complaint](https://www.helpwithmybank.gov/file-a-complaint/index-file-a-complaint.html) ## What tends to work - For a debit card charge you did not make, file online: select the transaction and choose Report an issue. The form covers posted transactions, five or fewer, from the last 92 calendar days; if the option is missing, chat with an agent. [SoFi: dispute a debit card charge](https://support.sofi.com/hc/en-us/articles/33260234436237-How-do-I-dispute-a-charge-for-my-SoFi-Debit-Card-Can-I-submit-a-dispute-online) - For a SoFi Credit Card charge, call 844-945-7634 and speak with a representative to start an investigation. [SoFi: dispute a credit card charge](https://support.sofi.com/hc/en-us/articles/360051711331-How-do-I-dispute-a-charge-on-my-SoFi-Credit-Card) - A CFPB complaint after SoFi's channels fail: in the 12 months to June 2026, 279 of 3,426 complaints (8.1%) closed with monetary relief and 40 (1.2%) with non-monetary relief. [CFPB complaint database search](https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/?company=SOFI%20TECHNOLOGIES%2C%20INC.&date_received_min=2025-07-01&date_received_max=2026-06-30&size=0) ## Traps and fine print - Reporting a debit card transaction as fraudulent deactivates the SoFi debit card and its number, and SoFi orders a new card. [SoFi: dispute a debit card charge](https://support.sofi.com/hc/en-us/articles/33260234436237-How-do-I-dispute-a-charge-for-my-SoFi-Debit-Card-Can-I-submit-a-dispute-online) - The online dispute form is only for charges you did not make. For a problem with goods or services, contact the merchant first, then chat with SoFi. [SoFi: dispute a debit card charge](https://support.sofi.com/hc/en-us/articles/33260234436237-How-do-I-dispute-a-charge-for-my-SoFi-Debit-Card-Can-I-submit-a-dispute-online) - Provisional credit is not final. If no error is found, the bank can take the credit back after it tells you the date and amount, and must honor checks and preauthorized transfers for five business days after that notice. [CFPB: Regulation E 1005.11](https://www.consumerfinance.gov/rules-policy/regulations/1005/11/) ## By the numbers - CFPB complaints received July 1, 2025 to June 30, 2026 for "SOFI TECHNOLOGIES, INC." (all SoFi products): 3,426. Top products: checking or savings 2,207, money transfer or money service 266, personal loan 254, credit reporting 214, credit card 207, student loan 131. Top issues: managing an account 1,314, a company charging your account 372, closing an account 370, incorrect information on a report 122, fraud or scam 104, opening an account 104. [CFPB complaint database search](https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/?company=SOFI%20TECHNOLOGIES%2C%20INC.&date_received_min=2025-07-01&date_received_max=2026-06-30&size=0) - Of those 3,426 complaints, 3,107 (90.7%) closed with explanation, 279 (8.1%) with monetary relief and 40 (1.2%) with non-monetary relief. All 3,426 were marked timely. Data retrieved 2026-10-13. [CFPB complaint database search](https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/?company=SOFI%20TECHNOLOGIES%2C%20INC.&date_received_min=2025-07-01&date_received_max=2026-06-30&size=0) - The CFPB says its complaint database is not a statistical sample of consumers' experiences, and that complaint volume should be read against company size. [CFPB consumer complaint database](https://www.consumerfinance.gov/data-research/consumer-complaints/) ## Scams that target customers - SoFi says it will never ask for your password, one-time password or Social Security number, and will never reach out to you unless you reach out first. [SoFi: beware of scammers](https://www.sofi.com/blog/beware-of-scammers/) - Impersonators run fake "SoFi India" or "SoFi China" offices, fake social media accounts with words like bonus, giveaway or agent, fake apps priced in rupees or yuan, and messages posing as CEO Anthony Noto. Real SoFi staff use @sofi.com or @sofi.org email addresses. [SoFi: beware of scammers](https://www.sofi.com/blog/beware-of-scammers/) - Report impersonation to SoFi customer support at 855-456-7634 or by direct message to SoFi's official social media accounts, and give the impersonator no personal information. [SoFi: beware of scammers](https://www.sofi.com/blog/beware-of-scammers/)