Checking and savings
SoFi Technologies: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 391
- Closed with money back
- 6%
- 2023 to 2025
- 0 to 239
Servicemembers filed 8.5% of SoFi Technologies's 4,624 complaints in the window, against 2.5% across the directory. The complaints are mostly about checking or savings account, and the single most common issue is "Managing an account". 6% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 0 in 2023 to 239 in 2025.
What the complaints are about
By product
| Checking or savings account | 291 |
| Payday loan, title loan, personal loan, or advance loan | 38 |
| Credit reporting or other personal consumer reports | 17 |
| Debt collection | 11 |
| Credit card | 9 |
By issue
| Managing an account | 178 |
| Closing an account | 53 |
| Problem with a lender or other company charging your account | 43 |
| Opening an account | 11 |
| Charged fees or interest you didn't expect | 9 |
| 2023: 0 | 2024: 152 | 2025: 239 |
Which accounts, specifically
| Checking account | 273 |
| Installment loan | 32 |
| Savings account | 23 |
| Other banking product or service | 18 |
| Credit reporting | 18 |
What went wrong, specifically
| Deposits and withdrawals | 85 |
| Problem using a debit or ATM card | 52 |
| Transaction was not authorized | 38 |
| Company closed your account | 29 |
| Funds not received from closed account | 23 |
Busiest month: December 2025, with 31 servicemember complaints. Most were submitted by web.
Most complaints came from CA (49), TX (37), FL (34) , then GA, NC, AZ.
How SoFi Technologies answered
| Closed with explanation | 364 | 93% |
| Closed with monetary relief | 25 | 6% |
| Closed with non-monetary relief | 2 | 1% |
SoFi Technologies responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Checking or savings account; Managing an account. TX, 2024-08-30. Outcome: Closed with explanation. Complaint 9963491
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Credit card; Problem with a purchase shown on your statement. TX, 2024-08-30. Outcome: Closed with explanation. Complaint 9962828
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Checking or savings account; Managing an account. GA, 2024-08-29. Outcome: Closed with explanation. Complaint 9955187
If this is your problem at SoFi Technologies
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page. This site's verified guide to the company's own military policies: SoFi SCRA Benefits: 6% Cap, SCRA@sofi.org, and the Member Portal.
Compare with checking and savings peers
- Fifth Third 334 servicemember complaints; 5% with money back
- Citizens 325 servicemember complaints; 13% with money back
- PNC Bank 502 servicemember complaints; 12% with money back
- Credit Karma 253 servicemember complaints; 17% with money back
- Regions 204 servicemember complaints; 17% with money back
Next in the directory by volume: Self Financial, EdFinancial Services, Bridgecrest Acceptance.
Frequently asked questions
How many complaints did servicemembers file against SoFi Technologies?
391 complaints tagged servicemember were received by the CFPB about SOFI TECHNOLOGIES, INC. between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 0 in 2023 to 239 in 2025.
What do servicemembers complain about most at SoFi Technologies?
Checking or savings account accounts for 291 of the 391 complaints, and the most common issue is "Managing an account" (178). Next: "Closing an account" (53).
Does SoFi Technologies give money back when a servicemember complains?
6% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 2 closed with non-monetary relief and 364 closed with an explanation only. SoFi Technologies answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.