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.
- 111 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:05/08/2024
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.
I am not liable for this debt with OPORTUN, *** I do not have a contract with the agency they charged for the debt to nor have they sent me any information of the charge off as I requested.Desired Resolution, I demand this account be removed from my credit report.
Business Response
Date: 05/14/2024
Please find the final response to complaint ID # ********Customer Answer
Date: 05/18/2024
Complaint: 21684867
I am rejecting this response because:
Sincerely,
*******************************Business Response
Date: 06/03/2024
Please find the final response to complaint ID # ********Initial Complaint
Date:05/01/2024
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 Oportun **** I do not have a contract with ***************** System. They did not provide me with the original contract as requested.Business Response
Date: 05/09/2024
Please find the final response to complaint ID # ********Initial Complaint
Date:04/26/2024
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.
Wednesday, April 24th, I requested an instant withdrawal of $300 from my savings account with **********************. Instant withdrawals historically appear in my **** of America account within 30 minutes when requesting a withdrawal from Oportun. There is also an Oportun fee associated with this request. I had an emergency that day and a resolution was dependent upon these funds. As of today, Friday, April 26th, I have not received the $300. I've called ( there is no live person to speak with in this department, but you can leave a vm) and emailed support a few times. I've been told that their "Engineering" team is working on it. I've asked them to wire the funds for their mishap. This is unacceptable. I am looking to have the my money that I requested hit my account asap.Business Response
Date: 05/06/2024
Please find the final response to complaint ********Initial Complaint
Date:04/25/2024
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.
Oportun, as a financial instuction, offers an digital savings service. It uses an algorithm to withdraw small amounts of money from your bank account, and deposit that money into their savings account. They also offer two types of withdrawal / transfer services: "instant", which costs 99 cents, and "standard", which is free, and they state *** take up to 5 business days to complete. I've been an Oportun customer for almost 100 months / 8 years. Until last month, I never had a single issue with their instant withdrawal service. My last two "instant withdrawal" transactions with them, have experienced problems. Earlier this month, a instant withdrawal wasn't working, even after receiving multiple confirmations from them. They claimed it was a problem with my specific transaction, and managed to fix it after about 24 hours. Yesterday, I had a similar issue, and they claimed they were reaching out to their engineering department regarding the issue. What's different this time is that the money is actually gone from my Oportun savings account, but there is no incoming tranfer to my linked bank account. Other than the initial response, my emails to them have gone answered. I'm filing this complaint for a few reasons:1) Poor customer communication 2) Suspicion of bad financial practices, as they have a few active a few class action lawsuits 3) I actually need the money that I was attempting to accessBusiness Response
Date: 05/07/2024
Please find the final response to complaint ID # ********Initial Complaint
Date:04/22/2024
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 was notified on 11/28/23 that the direct banking service transferred from Digit to ********* was being discontinued. At this time I had ******* in the account. On 2/15/24 the account was closed. I received two emails during that time with instructions that all funds would be deposited back to linked account or directly mailed. Mailing address updates were due 3/27/24. On 2/23/24 I emailed new address as we no longer receive mail at our rural street address (mail theft). Return email stated that all remaining funds (still $*******) would be emailed with 45 days of account closure - this would have been 4/8/24. Received email on 3/6/24 stating that no funds would be sent to PO Box, which is our only available option. Sent email back requesting information on how to fix this problem. Told to contact customer service. **************** claimed they did not have any information on the direct banking account payments, which were being handled by ****************** (note - Pathway never did get back to me after leaving a message). Sent multiple email between 2/23 and 3/8 to seek resolution and each option I was given did not work. I tried to reconnect my bank account multiple times and was refused each time. On 4/9/2024 I reached out again to find out where my money is and when it would be returned. Spoke with two customer service representatives who again claimed they could not help me and that I should be patient as their partner was busy with many checks. Requested a manager and spoke with ***********************. **************** said she would escalate to her manager and promised a call back no later than 4/19. As of this date there was still ******* in the account. When I did not hear back on 4/19 I checked the balance and it is now $0. Sent another email to Opportun and have heard nothing back. As of today, I cannot reach ********* and get any help and my direct account balance is missing. A check will not be delivered and/or money is gone.Business Response
Date: 04/26/2024
Please find the final response to complaint ID # ********Initial Complaint
Date:04/18/2024
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 do not own this company any money never signed a contract with them whatsoeverBusiness Response
Date: 04/26/2024
Please find the final response to complaint ID # ********Initial Complaint
Date:04/17/2024
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'm urgently contacting you to address the inaccuracies on my credit report resulting from the disclosure of my personal information to credit bureaus. This has led to significant financial and emotional distress.As per 15 USC 1681 Section 602, I affirm my right to financial privacy and expect my information to be treated confidentially.Additionally, under 15 USC 1681 Section 604(a)(2), a consumer reporting agency is prohibited from disclosing account details without my explicit consent, which I have not provided.The errors tied to OPORTUNPROG have adversely affected my financial standing, necessitating immediate correction.Furthermore, I stress adherence to 15 USC 1666(b), which prohibits creditors from treating credit card payments as late under specific circumstances.Below, you'll find my account details for your reference:Account Number: *******I urgently request a thorough review of my account, prompt rectification of the credit report inaccuracies, and strict compliance with federal laws governing my information.Failure to address these concerns promptly may result in legal action. I appreciate your immediate attention to this matter.Sincerely,*********************************Business Response
Date: 04/26/2024
Please find the final response to complaint ID # ********Initial Complaint
Date:04/09/2024
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.
After reviewing my bank account I noticed a $5 charge taken from my account from **********************. After further investigation I noticed that they have been taking money out of my account monthly for the past several years. When I called the business and explain the situation, they stated they acquired an account from something called Digit. I have no affiliation with either business. When I looked back into my account again, I noticed that the charges under ***** went back to March 2022. The person I spoke with advise me to send an email in order to get the money refunded. I reached out to them via email and was told the account would be closed and the fees charged would be refunded to me. Also check on the account and the fee charge was already returned to your bank account. I emailed back asking for confirmation that ALL the fees would be returned and the person said they were already sent to my bank account.I later receive a refund of $2.19. After receiving this I reached back out to try to figure out what was going on. The person replied with this Check on your account but the $5.00 monthly fee when was charged your bank sent a report of not enough money on the account and ********************** systems send back that money few days after, I recommend check it with your bank. my bank statements, clearly show otherwise. Another red flag with the extreme lack of grammar which tends to be a potential sign of fraud.When I called back to explain what happened, I was hung up on. I called back again and the person told me to reach out via email which is what I had already been doing.I then filed a claim through my bank but due to the length of time the charges were made they have limitations on what they can recoverBusiness Response
Date: 04/19/2024
Please find the final response to complaint ID # ********Initial Complaint
Date:04/08/2024
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.
Vehicle was repossessed July 2023 , was not returned until September 2023. During the repossession a call was made to Oportun to resolve repossession over the phone. I was guaranteed if payment in full , no repossession take place. Also assured that payment request was in full and would close out the balance on the account. Requested amount was paid and vehicle was still repossessed. Did not receive any information on my vehicle until a month later that I called and was told it was released to go pick it up ********************************************* Oportun had not sent a release and would not send one until the following week. They did not sent it. After multiple calls of trying to get my vehicle back I again went to the yard thinking they had a release which they did not. OPORTUN ended up sending the same people the repossessed my vehicle to bring it back. And proceeded to threaten to charge me lates fees, repossess the vehicle again when they had not even released it to me. On top of wasting my time. (All was recorded and confirmed by them multiple times ) Now, I have a balance on the account. A bad **** on my credit report. Theyre outsourcing to Spanish speaking countries where the language gap is a problem. And a consumer is supposed to pay for that? With no resolution besides returning my vehicle 2 months after long and exhausting process to recover. I would like a refund of my last payments and release of the vehicle title.Business Response
Date: 04/17/2024
Please find the final response to complaint ID # ********Customer Answer
Date: 04/17/2024
Complaint: 21539759
I am rejecting this response because: as you indicate I spoke with you that on July 14th, July 18th, July 25th, and July 31, 2023 all 4 of these days my time was wasted driving. You also indicated you saw the call records. Did you listen to the conversation? These were times I went to waste my time to the yard and was told Oportun did not release the vehicle. Therefore oportun HIRED the same people to come and return my truck.I would be content if the title of the vehicle was released.
I also continue to receive emails that Ive made a payments recently. Maybe another one of your system glitches ?
Sincerely,
***************************Initial Complaint
Date:04/03/2024
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 fraud on my bank account and the company that did this made fraudulent disputes on my account. I informed my bank as soon as I became aware of the situation. My bank sent back two payments of ****** and my account showed it was returned on the first of April. I sent proof of payments that were returned and they still tried to say I got the money back .Business Response
Date: 04/11/2024
Please find the final response to complaint ID # ********
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