How to Get a Refund from SoFi
Step-by-step guide to getting your money back from SoFi
Quick Answer: SoFi Refund Policy
- Refund Window
- Varies by item
- Refund Method
- Original payment method
- Key Condition
- Must contact support first
SoFi Refund Policy
SoFi is a financial platform that offers banking, lending, investing, and card-related services. If you need help with a charge, transfer, debit card transaction, or payment that appears under the SoFi name, start by reviewing your recent account activity in the SoFi app and any linked bank accounts.
If the transaction looks wrong or unauthorized, contact SoFi support promptly and keep a record of the amount, date, and any case number you receive. If a linked card or bank account was used, you may also need to notify that institution and follow its dispute process.
How to Get a Refund from SoFi: Step-by-Step
Follow these steps in order to maximize your chances of getting your money back.
- 1
Log in to your account
Visit SoFi's website and sign in to the account used for the purchase you want to refund.
- 2
Find your order
Navigate to your order history or "My Orders" section. Locate the specific item or order you wish to return or get a refund for.
- 3
Submit a refund request
Look for a "Return", "Refund", or "Help" option next to your order. Fill out the refund request form with the reason for your return.
- 4
If denied, contact support directly
If your online request is rejected, reach out to SoFi support or call 855-456-7634. Explain your situation and ask for escalation to a supervisor.
- 5
File a chargeback with your bank
If SoFi refuses a valid refund, contact your bank or credit card issuer to dispute the charge. You have up to 60-120 days from the statement date to file.
- 6
Escalate if needed
For persistent issues, file a complaint with the Better Business Bureau (BBB), your state Attorney General, or the CFPB at consumerfinance.gov/complaint.
Common Refund Situations
Select the scenario that best describes your situation with SoFi.
Subscription charged after cancellation
You cancelled your SoFi subscription but were still billed the following month. This is a common issue — contact support with proof of cancellation.
Defective or damaged product received
Your order arrived broken or not working as described. SoFi is generally required to offer a refund or replacement for defective items under consumer protection law.
Order never arrived
Your package was marked as delivered but never arrived, or was significantly delayed beyond the estimated date. File a non-delivery claim with SoFi immediately.
Item not as described
The product you received doesn't match what was advertised on SoFi's website — wrong color, size, or features. This qualifies for a refund under most consumer protection laws.
Unauthorized charge on your account
You see a charge from SoFi that you didn't authorize. Report this immediately to both SoFi and your bank — this may qualify as fraud.
Changed your mind / buyer's remorse
You want to return an item you no longer need. Success depends on SoFi's return policy — act quickly as most merchants have a limited return window.
Contact SoFi Directly
Before filing a formal dispute, try reaching out to SoFi directly. Many issues can be resolved faster this way.
Phone
855-456-7634Website
Visit support pageSoFi Refund Timeline
Here's what to expect after you submit your refund request.
Day 0
Request Submitted
You submit your refund request online or via customer support.
Days 3–5
Processing
The merchant reviews your request and approves or escalates it.
Days 5–10
Under Review
Refund is being processed by the merchant's finance team.
Days 10–14
Credit Issued
Funds are returned to your original payment method.
Day 0
Request Submitted
You submit your refund request online or via customer support.
Days 3–5
Processing
The merchant reviews your request and approves or escalates it.
Days 5–10
Under Review
Refund is being processed by the merchant's finance team.
Days 10–14
Credit Issued
Funds are returned to your original payment method.
* Timelines vary by merchant and payment method. Credit cards typically process faster than bank transfers.
If SoFi Refuses Your Refund
You have rights. If the merchant won't cooperate, here's your escalation path — in order of ease and effectiveness.
Step 1.File a chargeback with your bank
Contact your credit card issuer or bank and dispute the charge. Provide documentation of your refund attempt. You typically have 60–120 days from the charge date.
Learn how to file a chargeback →Step 2.File a BBB complaint
Submit a complaint to the Better Business Bureau (BBB). Many companies respond quickly to BBB complaints to protect their rating.
File a BBB complaint →Step 3.Contact your state Attorney General
File a consumer complaint with your state AG office. This creates a legal record and may prompt an investigation if the company has a pattern of violations.
Find your state AG →Step 4.Report to the CFPB
Submit a complaint to the Consumer Financial Protection Bureau (CFPB). They track complaints against financial services and can take regulatory action.
File a CFPB complaint →Want help with a chargeback? Our dispute experts can guide you through the process and write your dispute letter. Start your free case →
More Merchant Refund Guides
We cover hundreds of merchants to help you navigate their refund policies.
More merchant guides coming soon. Need help now? Start a dispute →
Can't Get Your SoFi Refund?
If SoFi has refused your refund or isn't responding, we'll help you build a strong dispute case — including a professional chargeback letter your bank will actually act on.
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