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Business Profile

Loans

Oportun, Inc.

Headquarters

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BBB Accredited BusinessA+Rated by BBB

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Complaints

This profile includes complaints for Oportun, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

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Oportun, Inc. has 26 locations, listed below.

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    Customer Complaints Summary

    • 372 total complaints in the last 3 years.
    • 111 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The 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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:08/07/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      On 06/06/2023. I **************************** talked to Oportun and agreed to a settlement deal for me to pay off the Oportun Loan.Oportun explained to me that after I pay off the debt that Oportun themselves will delete this debt off of my credit report.14 Months Later After Oportun Received My Settlement Deal Payment Oportun did not follow through as they said they would, and did not delete this debt off of my credit report at all.

      Business Response

      Date: 08/12/2024

      Please find the final response to complaint ID # ********.

      Customer Answer

      Date: 08/12/2024

       
      Complaint: 22106236

      I am rejecting this response because:

      Sincerely,

      I do not see a response from Oportun at all! !


      *************************

      Business Response

      Date: 08/13/2024

      Please find the final response to complaint ID # ********.

      Customer Answer

      Date: 08/13/2024

       
      Complaint: 22106236

      I am rejecting this response because:

      Oportun is 1000% liars. Oportun agreed to the pay off agreement and to delete the debt after payment was made.

      This isn't over at all. Now I will make sure Oportun pay the right way. I'll see you there Oportun the great liars.

      You won't lie out your way out of the next phaze.


      Sincerely,

      *************************

    • Initial Complaint

      Date:08/06/2024

      Type:Billing Issues
      Status:
      Answered
      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 formal complaint against OPORTUNPROG. I have identified an unauthorized account in my credit report, detailed below:Creditor Name: OPORTUNPROG Account Number: *******Opened Date: 7/30/2021 High Credit Amount: $2,675.00 Despite filing a complaint over 30 days ago, this account remains unresolved and continues to negatively impact my credit score. I have never opened this account, and it is imperative that this unauthorized account be removed from my credit report immediately.This matter is of serious concern as it affects my financial credibility. Please address this issue with the utmost urgency

      Business Response

      Date: 08/09/2024

      Please find the final response for complaint ID # ********

    • Initial Complaint

      Date:08/05/2024

      Type:Billing Issues
      Status:
      Answered
      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 had always paid on time, there was a problem with the card I provided to pay the overdue payment and thinking that everything was fine I thought that the payment had been made without a problem, then I found out a month and a half later that they had already reported to the credit bureau that I had not paid on time and this caused my credit score to drop considerably causing problems for me with other lending agencies. All this without me knowing that I was late and without having problems paying, I called Oportun and the agent informed me that there was nothing humanly possible that I could do to correct the problem, on another occasion I also had a similar problem and the lender only indicated that when paying the debt they would update their database and delete the record from their system. I think it is unfair that they make me go through this inconvenience when I have always complied consciously Customer number: ******* Loan number: ******* Last payment attempt March 11, $362.13 from account 5156 checking account. Payment was declined due to insufficient funds.

      Business Response

      Date: 08/09/2024

      Please find the final response to complaint ID # ********

    • Initial Complaint

      Date:08/04/2024

      Type:Order Issues
      Status:
      Answered
      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 account with ********************** **** I do not have a contract with them neither gave them my SSN. They did not provide me with the original contract as requested.

      Business Response

      Date: 08/09/2024

      Please find the final response to complaint ID # ********

    • Initial Complaint

      Date:08/04/2024

      Type:Billing Issues
      Status:
      Answered
      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 responsible for this debt, an error in my credit report. In the past, I was a client of theirs and the account was paid in full and on time.

      Business Response

      Date: 08/09/2024

      Please find the final response to complaint ID # ********

      Customer Answer

      Date: 08/10/2024

       
      Complaint: 22090431

      I am rejecting this response because:The reason is that I have an erroneous credit report reported August 3, 2024 that affected my credit score by more than 60 points, I request that it be removed from my credit history
      Sincerely,

      *************************

    • Initial Complaint

      Date:08/03/2024

      Type:Product Issues
      Status:
      Answered
      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.
      This business is a company that saves money for you from your banks checking account and saves to an account for you; then when you have saved enough as you want you request to have it withdrawn and placed into your checking or savings account at your bank, I.e. forced savings. It has worked well so far but now I got a new phone and they have the wrong phone number listed for me. I cannot get into my account! You cannot reach them by phone; only by email: support@oportun. I have tried many times, but they only issue you a ticket number and no one seems to follow up. I need to retrieve my money and cant get anyone to help with this, yet they are still taking money from my checking account and saving it for me. The amount is still adding up and I cant get it because they have wrong info when you try to sign in. PLEASE help. Thank you.

      Business Response

      Date: 08/09/2024

      Please find the final response to complaint ID # ********

    • Initial Complaint

      Date:07/18/2024

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      On July 18, 2024, I spoke with a representative *************************** about an issue I was having. Opportun reported a negative re**** on my credit report a day before my payment was due, which is on recurring payment per their request. I asked why there was a negative **** on my credit report and the representative stated that because I enrolled in their Payment Reduction Plan, I would have a negative **** on my credit report every month. I was discouraged from getting on this plan because I did not want a negative re**** so I asked her what the process is for not receiving a negative **** on my credit report. She stated that I would have to delete the Payment reduction plan but she first needed to consult with her supervisor. When she returned back from the conversation with her supervisor, she stated she deleted my Payment reduction plan without first having a conversation with me or updating me on what the supervisor suggestions were. She stated that my payment is tomorrow and has increased from $90 to $225. I explained to her the reason I was on the plan in the first place was due to relocating from ***** to ******* and pending employment so paying $225 without a chance to react or plan would be difficult for me. She put a supervisor on the phone-****** who re-instated me on the payment reduction plan and payments back to $90. I now have to start over with paying ********************************* money due to the error of the representative *************************** and my interest rate increased due to this transaction. I stated that I was not a happy customer due to their error and they stated that is all they could do for me. I feel ripped off financially and my problem of them reporting to the credit bureau was not resolved. They both suggested I dispute with the credit bureau, not them.

      Business Response

      Date: 07/24/2024

      Please find the final response to complaint ID # ********

    • Initial Complaint

      Date:07/16/2024

      Type:Service or Repair Issues
      Status:
      Resolved
      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 have contacted Oportun about someone else using my email address for their account. They have told me they refuse to to rectify the issue because I won’t provide more information. I refuse to give more information because I don’t feel safe doing so. It’s led to a discussion that was a back and forth and then not budging at all. I would love if they stopped using my personal email for someone else’s account.

      Business Response

      Date: 07/23/2024

      Dear Jonathan R****,

      We received your complaint filed with Better Business Bureau on July 17,
      2024, regarding emails received from Oportun® Visa® Credit Card. We care deeply
      about your experience, and our unwavering goal is to provide exceptional
      support to everyone.

      In your complaint, you stated that Oportun was sending you emails however
      the recipient’s name  is different and
      you also stated that you do not have an account with us.

      We listened to a call recording from July 16, 2024, when you advised one
      of our customer service agents that you are receiving emails from Oportun for
      one of our members, Jose R****. After our investigation, we have confirmed that
      the email address ******************* was inadvertently entered incorrectly and
      we have removed it from our files. You should not be receiving any additional
      emails from Oportun. However, please keep in mind that emails that may have
      already been programmed to be sent out may still reach your inbox, please
      delete them accordingly.  

      Thank you for reaching out to us and allowing us to investigate. We appreciate
      your patience and understanding in this matter. We apologize for any
      inconvenience this may have caused you.

      At Oportun, we are steadfast in our commitment to enhancing the level of
      service we provide to our members. Your feedback is of utmost importance to us
      as it helps us identify areas for improvement. We are committed to learning
      from this experience and improving our processes. We assure you that we will
      take steps to prevent such issues in the future. If you have further concerns
      or questions, please contact us at ************** or **********************.


      Best regards,  

      Reese W******
      Customer Experience
      Sr. Director
      Oportun

      Customer Answer

      Date: 07/24/2024

      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.



      Sincerely,



      Jonathan R****

    • Initial Complaint

      Date:07/16/2024

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      Oportun is a banking app which removes money from you bank and saves it in small increments. They allow you to remove your money using the instant which you pay .99cents or you can wait two days and have the money deposited. Its been 6days ive called multiple times and was given the run around. I am currently out if $300.00 which my bank ***** fargo says it was never deposited, but opotun is telling me it was the day before i made the withdrawal which is fraudulent and inaccurate

      Business Response

      Date: 07/26/2024

      Please find the final response to compliant ID # ********

    • Initial Complaint

      Date:07/13/2024

      Type:Customer Service Issues
      Status:
      Answered
      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.
      Oportun has all of my bank account and card information necessary to withdrawal payments. However they did not take the payments out from my bank account even though I have a automatic payment set up through my routing number. They did not have the correct address on file nor did they call my correct phone number to reach out requesting payment. They instead have been reporting the account late and messing up my credit. I have paid the months that they have reported for non payment on 6/10/24 and 6/13/24 yet they have not updated the account and reported the account as current. They still are reporting non payment and still messing up my credit negatively. Since I have used this company they have reported my account 23 times for late payments and also taken my credit score down 100+ points that reflect negatively. I am seeking to have them remove the inaccurate credit reports for non payment and late payments because they have all the necessary bank information to withdrawal the payments and instead they reported the payments late or unpaid. They have also sent my account to collections when I have a existing payment plan on file. I have paid the account up to date balance since **** 2024 and proceeded to make payments on time yet they have not updated the account since May 2024 to reflect the account balance being current and up to date. I will reach out to lawyers regarding improper and false reporting to credit bureaus, inaccurate reporting, not up to date reports, and seek damages regarding negative reporting to my credit score when the account has been paid up to date. They have also charged several late fees instead of withdrawing the money directly from the account eventho they are authorized to make the withdrawal. They recently reported another false report for non payment of **** when they already withdrew two payments this month of July on 7/1 for **** and 7/12. The account is current and they are still reporting 60 days past due on the account.

      Business Response

      Date: 07/18/2024

      Please find the final response to complaint ID # ********

    Oportun, Inc. is BBB Accredited.

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