How to dispute a charge at SoFi
SoFi gives cardholders 60 days from the statement date to file a dispute. SoFi typically resolves disputes within 14 business days of filing. A complete, well-documented letter gives the investigator everything they need to decide quickly.
Dispute windows
Dispute window60 days from statement date
Chargeback window120 days from transaction date
Typical resolution14 business days
Debit card vs credit card protections
Debit card (Reg E)
60 days from statement
Credit card (Reg Z)
Credit: 60 days from statement
How to file at SoFi
- 01Online: sofi.com
- 02Phone: 1-855-456-7634
CFPB complaint data
The CFPB received 3,268 complaints about SoFi in the past 12 months. 9% were closed with monetary or non-monetary relief. The most common issues:
- Managing an account1,274
- Closing an account359
- Problem with a lender or other company charging your account351
Data from the Consumer Financial Protection Bureau complaint database. Updated daily.
Generate your SoFi dispute letter
Select your dispute type and we'll generate a personalized letter, pre-filled with SoFi-specific submission instructions and your deadline.
Select your dispute type:
Unauthorized chargeDuplicate chargeDidn't receive goods or serviceNot as described / defectiveFree trial I didn't authorizeRecurring charge after cancellation
Write my SoFi dispute letter →