COMPLAINTRATE›INSTITUTIONS›SOFI TECHNOLOGIES, INC.

SOFI TECHNOLOGIES, INC.

BANK
Data last verified: May 2026 snapshot|21 federal data sources|Methodology ›
NOT YET RATED

Not Yet Rated — insufficient data for a confidence-scored complaint rate.

SOFI TECHNOLOGIES, INC. is tracked across 21 federal data sources but does not yet have a confidence-scored complaint rate in the current snapshot. A normalised rate requires a matched FDIC deposit denominator (or equivalent customer-count proxy) and sufficient complaint volume — this institution does not currently meet both criteria.

The complaint volume, enforcement record, and financial health indicators below reflect real federal data. Methodology expansion for non-depository institutions is rolling out in Q2 2026.

TOTAL COMPLAINTS
5,555
TIMELY RESPONSE
99.9%
RESOLUTION QUALITY
8/100
Limited data — not yet fully scored

5,555 federal complaints filed since 2011 · Data current as of May 2026

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Complaint Coach
File with CFPB
Federal data sources
CFPBOCCFDICFTCFederal ReserveFinCENHUDDOJNCUATreasuryFFIECFHFA
Independent analysis · not affiliated with any government agency
WHAT THIS STATUS MEANS

No per-1,000-customer complaint rate is yet available for this institution.

The per-1,000-customer rate combines CFPB complaint volume with FDIC deposit data. Institutions that haven't surfaced in CFPB filings — or whose volume falls below the threshold for stable calculation — show as not yet rated. This is a data-coverage gap, not a verdict: unrated does not mean better or worse than rated peers.

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Federal source records below show what's already available for this institution. A complaint rate is computed once filing volume crosses the threshold for stable per-1,000 calculation.

Most common words in federal complaints about SOFI TECHNOLOGIES, INC.
lendingreportinghomehelocapplicationreportunderequityneverllc
Extracted from 99 consumer complaint narratives · CFPB database
FULL RECORD
Complaint Profile
Total complaints (2011–2025)ⓘTotal complaints filed with the CFPB since 2011.5,555
Timely response rateⓘ% of CFPB complaints answered within the required timeframe. Below 90% indicates the institution is failing basic regulatory obligations.99.9%
Normalised complaint rate per 1,000 customers is not currently available for this institution. Methodology expansion for non-depository institutions rolling out Q2 2026.
Regulatory Enforcement Record
OCC (Office of the Comptroller)
Federal Reserve
CFPB (Consumer Financial)
FinCEN (Anti-money laundering)
FTC (Federal Trade Commission)
HUD (Mortgage Review Board)
GSE Suspension
○ No enforcement actions found across 7 federal agencies. Grey dots indicate no formal regulatory action on record.
Financial Health Indicators
Net charge-off rateⓘLoans written off as unrecoverable as a % of total loans. Above 2% is elevated; above 1% warrants monitoring. Source: FDIC Call Report Q4 2025.0.08%✓ healthy
Tier 1 capital ratioⓘCore capital as a % of risk-weighted assets. Regulatory minimum ≈10%. Higher means a stronger buffer against losses and financial stress.16.4%✓ adequate buffer
Loan loss reserve ratioⓘFunds set aside to cover anticipated loan losses. Higher reserves suggest the institution expects deteriorating credit quality ahead.0.14%
FDIC Call Report data · Q4 2025. NCO rate = loans written off as unrecoverable. Tier 1 = core capital buffer against losses (regulatory minimum ≈ 10%).
Top Complaint Categories
Managing an account4350%
Problem with a lender or other company charging your account1040%
Closing an account970%
Breakdown of complaint types filed with the CFPB by customers of this institution.
Methodological notes
✓ No risk flags identified across 21 data sources. This institution has no recorded government bailouts, regulatory enforcement, GSE suspensions, or federal litigation.
Institution Status
No DNA profile signals computed for this institution.
FULL DATA BREAKDOWN
TOTAL COMPLAINTS
5,555
2011–2025 · CFPB database
Source: CFPB →
TIMELY RESPONSE RATE
99.9%
Threshold: 90%+
Source: CFPB →
NET CHARGE-OFF RATEⓘLoans written off as unrecoverable as a % of total loans.
0.08%
Loan losses written off
Source: FDIC Call Report →
TIER 1 CAPITAL RATIOⓘCore capital as a % of risk-weighted assets. Regulatory minimum ≈10%.
16.4%
Regulatory min ≈ 10%
Source: FDIC Call Report →
RESOLUTION QUALITY
8/100
Response quality score · CFPB
Source: CFPB →
Data from CFPB, OCC, Federal Reserve, FDIC, FinCEN, DOJ, FHFA, HUD, US Treasury, FFIEC and FTC public records. Complaint rates normalised per 1,000 estimated customers. Not financial advice. Methodology › · Privacy ›