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
- 372 total complaints in the last 3 years.
- 113 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:07/13/2024
Type:Status:ResolvedMore 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.
This company keeps sending me a text message stating that I need to update my bank account and that my bank account has been unlinked. The message includes a link. Today I received another message and messaged "STOP". The scary part is, I have never had any business with this organization why are they sending me a link to update my bank account information. Smells like a SCAM. I have attached a screen shot of the text messages in this complaint.
Business Response
Date: 07/19/2024
Please find the final response to complaint ID # ********Customer Answer
Date: 07/22/2024
Better Business Bureau:
I have reviewed the response made by the business in reference tocomplaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
***************************Initial Complaint
Date:07/08/2024
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.
Name: ************************* Address: ******************************************* DOB: 12/23/1993 Last 4 of SSN: 3916 Date: 07/08/2024 Bareau Name: Oportun Bareau Address: ***************************************** Recently, I did an investigation on my credit report and found several items on there to be inaccurate.Under 15 U.S. Code 1681 e (b)Accuracy of report Whenever a consumer reporting agency prepares a consumer report, its shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.15 U.S. Code 1681 I (5) Treatment of inaccurate or unverifiable information(A) In general if, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall---i) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation; and ii)promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.Please remove the following items from my credit report, immediately Accounts 1. *******Business Response
Date: 07/16/2024
Please find the final response to complaint ID # ********Initial Complaint
Date:06/27/2024
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 OPORTUNPROG. I do not have a contract with OPORTUNPROG. They did not provide me with the original contract as requested.Business Response
Date: 07/09/2024
Please find the final response to complaint ID # ********Initial Complaint
Date:06/20/2024
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 wanted to speak to someone about the interest on the loan. Every time I go to apply payment the balance did not go down it went up. When I spoke to one of the associates over the phone she had mentioned there was a daily fee. I asked her to please provide me with a breakdown or amount of the daily fee she told me to log in online and get it. I logged in and there is no daily fee they are just charging what they want. I tried to reach out several times to get documentation of the daily fee and havent gotten anything as of yet explaining this extra $1000.00 I have paid. I believe the original apr went up as well. I need them to provide proof of the daily fee or adjust my loan that I just paid off.Business Response
Date: 06/28/2024
Please find the final response for compaint ID # ********Customer Answer
Date: 06/30/2024
Complaint: 21876563
I am rejecting this response because: Can you please send me all the receipts of payments that were made to you with the daily fee itemized on each payment with a paid in full receipt .
Sincerely,
***************************Business Response
Date: 07/03/2024
Please find the final response attachments for complaint ID # ********Customer Answer
Date: 07/05/2024
Complaint: 21876563
I am rejecting this response because:
Thank you so much for the letter. I would also like a copy of the original letter stating the date when I was first was approved for the loan, along with a notice of when this zero balance will be reported to the creditors please and thank you.
Sincerely,
***************************Initial Complaint
Date:06/19/2024
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.
Ive been dealing with a cancer diagnosis since March and had surgery in April and have been trying to recover from that. I got a letter in the mail recently saying my account was closed due to inactivity. I paid off my card in March so while dealing with my cancer, I didnt use the card and now Im being punished for being sick by them closing my account? This is unacceptable to me as I was a good cardholder and always paid on time and even got a recent credit limit increase! This is not good business to treat cardholders like this, Ive been calling for the last week to try to speak to a manager and keep being told my account is in review. I called today and was told it cant be reopened. So this is how you treat someone whos dealing with a serious health issue?? Shame on you!! This company is a joke and doesnt care at all about their cardholders, stay away from this company!!Business Response
Date: 06/26/2024
please find the final response to complaint ID # ********Initial Complaint
Date:06/17/2024
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 have resolved my account with this business years ago and have disputed several times with no resolution, after agreement of removal from credit report after paid in full.Business Response
Date: 06/26/2024
Please find the final response to complaint ID # ********Customer Answer
Date: 06/26/2024
Complaint: 21859958
I am rejecting this response because: theres no context to their response.
Sincerely,
*******************************Business Response
Date: 06/27/2024
Please find the final response attachments to complaint ID # ********Initial Complaint
Date:06/15/2024
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.
As a loyal customer of **********************, I have appreciated the accessibility and support your services have provided over the years. However, I must express my growing disappointment with the recent practices that I perceive as predatory. From the harassing phone calls, and not being flexible in providing proper repayment options and plus the escalating interest rates and hidden fees included below have placed an undue financial burden on me, eroding the trust I once had in your company. I urge you to reevaluate these practices to maintain the integrity of your brand and the loyalty of your customers, who rely on your service for fair and transparent financial assistance. What Im requesting is that these unrelated fees be removed or adjusted/ and or negotiated so I can move forward on completing my one year loan instead of prolonging it asap.Business Response
Date: 07/02/2024
Please find the final response to complaint ID # ********Initial Complaint
Date:06/13/2024
Type:Status:ResolvedMore 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.
Hi, I requested a transfer of funds ($600.26) from my Oportun account to my **** of America account. ********************** sent the funds to a closed account ending in 4173. Since the account was closed **** of America returned all credits to Oportun. As of right now, only a partial amount of the original money ($401.09), is reflected in the Oportun Account. There is a total of $199.17 missing (in 3 separate transactions);$177.53 - Household Items Acct $13.59 - Mics Acct $8.05 - Kadrielle **** of America confirmed and provided a closed account bank statement showing that these three transactions do not reflect and money was never posted. I sent a copy of the bank statement to Oportun to let them know that I do not have the money and that there is no money in "Pending" status. I've been sending them emails for about 3 weeks now trying to obtain a direct answer as to where is the$199.17. In every email, they disregard the $199.17 amount and say that everything was returned and that $401.09 is what I have in the account. At this point, I am not sure how else to communicate with them and try to get my savings back. I trust that you guys can assist with this matter and help me get a fair resolution. I have attached all email threads with Oportun, bank statements from BOA and Oportun. Also the only two withdrawal email confirmations from Oportun. The never sent an email confirmation for ********* acct. Thank you,Business Response
Date: 06/28/2024
Please find the final response to complaint ID # ********Customer Answer
Date: 06/28/2024
Better Business Bureau:
I have reviewed the response made by the business in reference tocomplaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
*******************************Initial Complaint
Date:06/11/2024
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 mailed certified mail a notice requesting my Disclosure Pursuant 15 USC 6802(b) you have failed to provide me with the required disclosures as per federal law. The law is explicitly clear that before a financial institution discloses any consumers non public person information they must give the consumer 3 disclosures so the consumer has an opportunity to opt out of having their information reported. Oportun/progreso ***** you knowingly, will fully and fraudulently withheld pertinent information to suite your own agenda, forcing me to comply illegally with you reporting my non public personal information to a non affiliated third party companies for your own benefits and profits, this was not equitable to me, my family or household.I mailed certified mail a notice requesting my Disclosure Pursuant 15 USC 6802(b) you have failed to provide me with the required disclosures as per federal law. The law is explicitly clear that before a financial institution discloses any consumers non public person information they must give the consumer 3 disclosures so the consumer has an opportunity to opt out of having their information reported. Oportun/progreso ***** you knowingly, will fully and fraudulently withheld pertinent information to suite your own agenda, forcing me to comply illegally with you reporting my non public personal information to a non affiliated third party companies for your own benefits and profits, this was not equitable to me, my family or household.Business Response
Date: 06/20/2024
Please see attachments for Final Response Complaint #********Initial Complaint
Date:06/05/2024
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 had a debt under my name with oportun and was sent to collections I paid and resolved the account. I asked for them to delete it from my credit report they said to contact the company they sold it to. I told them that makes no sense that the inquiry I have is with them under there name. They insisted I call pkm collection. I asked to speak to a manager they refused to transfer me to one and was very rude to me just repeating i no longer have a account with them. So I called the collection company and even they told me only company that can request a removal is the company that it is under there name. I called back opertun again same thing very rude and refused to transfer me to a manager or even help me at all. Even told them the reason I need it removed. Needing a clear credit report to be able to rent a apt already been denied I don't want to be homeless and companies not willing to help you even though you paid ******* to resolve the account just are heartless. No need for them to be mean and rude either. Bad business in my opinion. I would like this to be removed from my credit report because they refused to acknowledge the fact I have a account with them and why should it be on my report if I no longer have a contract with them there words not mine. Also because I also paid ******* to resolve the account and both companies have the same account on my credit report.Business Response
Date: 06/13/2024
Please find the final response to complaint ID # ********Customer Answer
Date: 06/14/2024
Complaint: 21787309
I am rejecting this response because: I believe the purpose of sending someone to collections is to collect. In witch it was collected I paid the collection agency. So that would mean you get the money from them or you have sold it to the collections agency. So in fact written off or not you received or will receive payment for the loan in witch the debt was and is settled. So I don't see any reason for you to have this on my credit report. Since I Paid the loan. Weather I payed it on time or not I still paid witch means I shouldn't be either chanced to paid as agreed or taken off. I would not recommend your company to anyone after this because even though a person can do the right thing and eventually pay a loan even late you still hold then back by reporting ***** pretext considering i did pay as agreed to the collection agency.
Sincerely,
***********************Business Response
Date: 06/18/2024
Please find the final response to complaint ID # ********
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