Important information
- Customer Complaint:BBB’s file for Oportun, Inc. was created in December 2011. A
review of complaints was completed in April 2025. BBB encourages consumers to
review the financial education links below.
https://oportun.com/financial-education/how-to-make-a-debt-payment-plan/
https://oportun.com/financial-education/what-is-a-charge-off/
Complaints
This profile includes complaints for Oportun, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 371 total complaints in the last 3 years.
- 112 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:06/30/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am filing this formal complaint regarding two unauthorized accounts that appear on my credit report under the account name **********************, *** The details of the accounts are as follows:---Account Name: *********************************** Number: ************* Date: **/**/************ Name: *********************************** Number: ************* Date: **/**/****** did not authorize or open either of these accounts. I discovered them during a recent review of my credit report. These accounts are having a negative impact on my credit standing.I am a confirmed victim of the 2017 ************ breach, which compromised the sensitive personal information of millions of consumers, including mine. I believe these unauthorized accounts may have resulted from that breach.I have already filed disputes regarding these accounts with the relevant credit bureaus. However, no corrective action has been taken to remove these fraudulent accounts. This inaction is deeply concerning and unacceptable.I am now seeking the assistance of the Better Business Bureau in resolving this matter. I request the following:Immediate investigation into the accounts listed above.Permanent removal of both unauthorized accounts from my credit report.Confirmation that my credit file has been updated accordingly.I expect prompt attention to this issue and a written confirmation once the corrections have been made. This situation is causing undue stress and financial harm, and I trust that your office will treat this matter with the urgency it warrants.
Business Response
Date: 07/03/2025
Please find the final response to complaint ID # ********Initial Complaint
Date:06/27/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I'm not liable for this debt with **************** I did not have a contract with this agency that reported the two accounts, one being a Charge Off and the other being a closed account. They never provided me with the original contract as requested.Business Response
Date: 07/01/2025
Please see complaint #******** attachmentInitial Complaint
Date:06/19/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
RE: Application ID ******** For several months, I had been inundated with loan offers and invitations from this company.I was not in the market for a new loan but decided to check out their offers, solely because they stated doing so would not affect my credit. I keep my reports locked to ensure no unauthorized activity occurs. I entered my information under the understanding that my credit would not be impacted.I assumed they would conduct a soft pull, like many companies do for promotional ************ November, after submitting my info, I was contacted and told I needed to unlock my reports. I specifically asked if this would affect my credit and which bureau would be accessed. I was assured it would not affect my credit and advised to unlock all reports, as they couldnt specify which one they would use.Since I was only exploring their offers, I agreed to unlock my reports.Whether it was my computer, their glitchy interface, or misleading information, something went wrong after ************* my shock and dismay, I discovered two hard inquiries had been madeone on Equifax and one on Experian.I contacted the company and explained that I only unlocked my reports at their request, based on their assurance of soft pulls for an application. I was misled and misinformed.I also received a letter of denial in the physical mail in which I ascertained the Reference ID of ******** Via phone contact I was told my concern was escalated and Id be contacted regarding removal of the ************ this date, no one has contacted me or resolved the issue.Evidently it seems my plight and concerns are considered trivial and not worth addressing by doing the right thing by removing the unwarranted Hard pulls to my Experian and ******* credit reports that were made due to companies unclear and misdirected actions.I implore and formally request the company remove these two inquiries from my credit reports.Business Response
Date: 06/24/2025
Please find the final response to complaint ID # 23490711Customer Answer
Date: 06/25/2025
Complaint: 23490711
I am rejecting this response because:Upon examination
it seems the Oportun company has a
propensity to not resolve the majority of complaints submitted to them and only
address them with an Answer so taking that into perspective I realize for the
majority of my concerns will not be
understood or addressed and will ultimately fall to the wayside.
I would hope that the company will acknowledge the
fact that considering in their
perspective an application was formally submitted their policy states…. As stated in OPORTUN
FAQ
If you choose to submit a formal application,* A Hard
Credit Inquiry* will be conducted. -If a creditor says they will do one hard pull, it means one hard inquiry on your credit report,
NOT one hard inquiry on each of your credit reports from different bureaus.-
As stated in Oportun response several times ONE Hard Inquiry was conducted.
Which in fact there were TWO Hard Inquiries Conducted. ONE On Equifax and ONE
on Experian.
I humbly ask the Powers that be to at least remove the
additional hard inquiry that was conducted despite their FAQ info and the
repeated reference to ONE hard inquiry referred to in the response.
Sincerely,
Don FrazierBusiness Response
Date: 06/30/2025
Please find the final response to complaint ID # 23490711Customer Answer
Date: 07/01/2025
Complaint: 23490711
I am rejecting this response for the following reason:
In the initial response, it was clearly stated and reiterated that only one hard inquiry had been performed. However, the second response contradicts this by acknowledging that two hard inquiries were conducted—one with Experian and one with Equifax—while attempting to justify both. This directly conflicts with the original statement and indicates that the representative is shifting the narrative to align with their own rigid, hardnosed and unyielding position. A simple removal of the unwarranted and Initially Unacknowledged Second hard inquiry or a simple recoding to a soft inquiry would have been the least that could be done to settle this matter fairly and amicably.
Sincerely,
Don FrazierInitial Complaint
Date:06/16/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I honestly dont get why OPORTUNWEBBK is reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it. Its frustrating because this is hurting my credit for no reason, and its just not fair. How can they just put something on my report without any proof?Account No: ******** Amount Disputed: $0Business Response
Date: 06/17/2025
We received your complaint from the Better Business Bureau on June 16, 2025.
The Bank of Missouri acquired your Oportun Visa Credit Card on November 10, 2024, and has been replaced by Revel Mastercard.
If you have questions or concerns about your card or account, please contact Revel at 866-449-4514 or visit www.revelcardinfo.com for more information.
Best regards,
Reese Willard
Customer Experience Sr. Director
OportunInitial Complaint
Date:06/12/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
In June 2025, I reviewed my credit reports and discovered that several credit accounts and numerous hard inquiries had been fraudulently made using my personal information without my knowledge or authorization.Pathward NA / Oportun Unsecured Loan Opened 10/05/2023 Balance: $320Business Response
Date: 06/18/2025
Please find the final response to complaint ID # 23461411Initial Complaint
Date:06/12/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am repeatedly receiving mail for someone who has never lived at my address. I have called this business on several occasions to have the mail stopped. I have spoken to supervisors and had several "tickets " placed to go to the **** to have this stopped, and i received another piece of mail as of yesterday. This mail is coming to my address with an appt number on is. There is no appts, i live in a 3 bedroom house, and have lived here since 1986 when the house was built. This person has never lived here. The business has not stopped the mailings and has not contacted me back regarding the "tickets" they have placed. Attached is a screenshot from my **** informed delivery showing the peraons name having the mail sent to my house.Business Response
Date: 06/18/2025
Please find the final response to complaint ID # ********Customer Answer
Date: 06/19/2025
Complaint: 23458645
I am rejecting this response because: i have called on multiple occasions prior to reaching out to the BBB to have this stopped. I would opt to keep this case open for the next 60 days if that is their time frame to ensure this is not a canned reply and being brushed off again as i feel i was in my last 3 attempts contacting them directly.
Sincerely,
****** *******Initial Complaint
Date:06/05/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am writing to file a complaint against OPORTUNPROG regarding an unauthorized account that has appeared on my credit report. The details of the account are as follows:OPORTUNPROG Account *******, opened on 11/06/2022 This account was not authorized by me, and I believe it is a result of the ************ breach in 2015. The entry is incorrectly reflecting on my credit history and is negatively affecting my credit score.I have filed complaints previously and taken all necessary actions to dispute this entry, but no resolution has been achieved. I am requesting the immediate and permanent removal of this unauthorized account from my credit report.Business Response
Date: 06/18/2025
Please find the final response to complaint ID # 23427936Initial Complaint
Date:06/02/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I believe this account has been assigned to me in error, as I am not liable for the debt in question.I have no contractual obligation with OPORTUNPROG and have never received any documentation to substantiate the validity of this debt, despite my formal requests for verification. I specifically asked to review the original application or contract related to this alleged debt. Since OPORTUNPROG has been unable to provide this documentation, I assert that the debt is not mine and should not be associated with my records.I kindly request the removal of this erroneous collection from my account and an acknowledgment of this resolution in writing. Thank you for your attention to this matter.Business Response
Date: 06/12/2025
Please find the final response to complaint ID #********Initial Complaint
Date:06/01/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am submitting this complaint because my credit report includes accounts I do not recognize and never authorized. These accounts appear to be the result of either a reporting error or a potential breach of my personal informationboth of which are unacceptable and violate my rights under the Fair Credit Reporting Act (FCRA).The following accounts require immediate and thorough verification:Company Name: OPORTUNPROG Account Number: ******* Reported Balance: $0.00 Despite multiple requests, I have not received any credible proof that these accounts are mine. Under 15 U.S.C. 1681g, I am entitled to full disclosure, including copies of original account applications and signed agreements. General claims of verification without proper documentation are not acceptable.If these documents do not exist, these accounts must be removed under FCRA Section 611(a)(5)(A)(i), which mandates deletion of unverifiable data. I will also be reporting this issue to the Better Business Bureau and appropriate federal agencies if this is not resolved immediately.Business Response
Date: 06/11/2025
Please find the final response to complaint ID # ********Initial Complaint
Date:05/23/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am not liable for this debt with OPORTUN INC./PROGRESO FI, I do not have a contract with OPORTUN INC./PROGRESO FI, they did not provide me with the original contract as i requestedBusiness Response
Date: 05/29/2025
Please find the final response to complaint ID # ********
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