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.
- 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:04/07/2025
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 complaint because my credit report contains unverified accounts that I do not recognize. These accounts have been added under my name without my authorization, and I strongly suspect they are linked to a data breach or reporting errors. This is a direct violation of my consumer rights under the ****, and I demand immediate corrective action.The following account(s) require verification:Company Name: OPORTUN,IN Account Number: ******* Reported Balance: $0.00 Despite my repeated attempts to obtain verification, I have yet to receive any legitimate proof that these accounts belong to me. The **** (15 U.S.C. 1681g) mandates full transparency, and I demand proper documentation, including original account applications and signed agreements. A vague response stating that the account has been "verified" will not be accepted.If no such documentation exists, these accounts must be removed immediately under FCRA Section 611(a)(5)(A)(i), which mandates the deletion of unverifiable information. Additionally, I will escalate this complaint to the BBB and other regulatory agencies to address these blatant reporting failures.
Business Response
Date: 04/14/2025
Please find the final response to complaint ID # ********Initial Complaint
Date:03/26/2025
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.
This is my formal request to address and resolve the unauthorized accounts that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. OPORTUNPROG ACCOUNT no.: ***** DATE OPEN: 11/01/2021 BALANCE: $0.00Business Response
Date: 03/31/2025
Please find the final response to complaint ID # ********Initial Complaint
Date:03/13/2025
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 owing this company ************* any money.I did not sign any agreement with the said companyBusiness Response
Date: 03/20/2025
Please find the final response to complaint ID # ********Initial Complaint
Date:03/12/2025
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.
Recently, I did an investigation on my credit report and found several items on there to be inaccurate Under 15 U.S Code 1681e (b) Accuracy of report. whenever a consumer reporting agency prepares a consumer report, it 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 or information from the file of the consumer , or modify that item or information , as appropriate , based on the results of the investigation ; and ii)promptly notify the furnisher of 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. ********************** PROG, Account#: ******* This account is being reported inaccurately, please remove this from my credit report immediately.2. NATIONAL CREDIT ADJUST, Account#: 4613**** This account is being reported inaccurately, please remove this from my credit report immediately.3. SUMMIT A R, Account#: ***************** This account is being reported inaccurately, please remove this from my credit report immediately.4. *************************, Account#: ************* This account is being reported inaccurately, please remove this from my credit report immediately.Business Response
Date: 03/19/2025
Please find the final response to complaint ID # ********Initial Complaint
Date:03/10/2025
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.
Under 15 U.S Code 1681e (b) Accuracy of report. whenever a consumer reporting agency prepares a consumer report, it 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 or information from the file of the consumer , or modify that item or information , as appropriate , based on the results of the investigation ; and ii)promptly notify the furnisher of 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. ********************************************* Financial , Account#: ******* This account is being reported inaccurately, please remove this from my credit report immediately.Business Response
Date: 03/19/2025
Please find the final response to complaint ID # ********Initial Complaint
Date:03/07/2025
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.
After recently reviewing my credit report from your company, I noticed several inaccuracies that need to be addressed. The accounts in question are listed below:Company Name: OPORTUNPROG Account #: *******Balance: $3,611.00 Under the Fair Credit Reporting Act (15 U.S.C. 1681g), I am formally requesting copies of all documents in your records that were used to verify the accuracy of these accounts. Please provide these documents in your response to this letter.I respectfully ask that you do not reply with a generic statement claiming the accounts have been verified. Instead, I expect to receive the actual records supporting this verification. If no such documentation exists, these disputed accounts should be removed from my credit report immediately, as required under Section 611(a)(5)(A)(i) of the FCRA.Including unverified or inaccurate information on my credit reportand continuing to share it with third partiesunfairly damages both my credit standing and my reputation. I ask that you take this matter seriously and resolve it as soon as possible.Business Response
Date: 03/14/2025
Please find the final response to complaint ID # ********Initial Complaint
Date:03/05/2025
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.
THIS COMPANY IS UNLAWFULLY REPORTING ON MY CREDIT ACCOUNT. THEY HAVE REPORTED AN ACCOUNT THAT I HAVENT AUTHORIZED AND THEY WILL NOT RESPOND TO MY MESSAGES, GIVE ME A COPY OF THE CONTRACT, OR TELL ME WHO IS INDEED RESPONSIBLE FOR OPENING THIS ACCOUNT UNDER MY NAME, THEY KEEP GIVING ME THE RUN-AROUND EVERY TIME I CALL THEM TO GET ANSWERS. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2:The law clearly states a consumer reporting agency cannot furnish a account without my written instructions I havent given these accounts written permission to furnish these accounts on my credit report IT APPEARS THAT THIS ITEM ON MY CREDIT REPORT HAS TURNED INTO A SERIOUS DEBT BUT I NOTICED YOU NEVER SENT ME A 1099 WOULD YOU BE SO KIND TO SEND ME A 1099 FOFR A CANCELLATION OF DEBT OF THIS ITEM DUE TO MY FINANCIAL HARDSHIP I WOULD GREATLY APPRECIATE IT IVE GONE THROUGH A SERIOUS FINANCIAL HARDSHIP AND THIS WOULD HELP ME WITH MY CREDIT IN THE FURURE THANK YOU SO MUCH.Business Response
Date: 03/11/2025
Please find the final response to complaint ID # ********Initial Complaint
Date:03/03/2025
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.
Complaint taken in dictation by H363137**3238313831H *** SS 03/03/2025 A lien was placed on the title of my car for a loan. I&#**;m on a fixed income and I receive my income one per month. I was placed on a semi-monthly installment plan on the 2nd and 19th of every month. In March I paid $280 for the two installments due on the 2nd and 19th of March. I was given a receipt for $1** when in fact I paid $280. The ***resentatives then stated I did not pay for February. I have a receipt that I paid for February.Business Response
Date: 03/10/2025
Please find the final response to complaint ID # ********Customer Answer
Date: 03/11/2025
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.Dear Better Business Bureau, I
appreciate the response that I received from Opportun, they stated my next payment is Due April 4, 2025
which is correct, I really appreciate your help in resolving this matter,
Sincerely
****** ********Initial Complaint
Date:03/03/2025
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.
It's a charge of account that still has a balance on it and the account is not mineBusiness Response
Date: 03/11/2025
Please find the final response to complaint ID # ********Initial Complaint
Date:03/02/2025
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 filed bankruptcy in 2022 and in 2023, Oportun, *** was the only creditor out of 18 who sent me a falsified 1099-C claiming my debt discharged in bankruptcy was a canceled/forgiven debt. This caused me to have to file an amended tax return and include the form. The 1099-C caused the *** to say I owed them $982 when I did not. Oportun refused to send a corrected form so I would not be illegally taxed on a debt discharged in bankruptcy and still has not taken any steps to correct the issue. I have been illegally taxed on a debt discharged in bankruptcy due to Oportun's fraudulently issued 1099-C. I reached out to Oportun multiple times and they refuse to respond or correct the issue.Business Response
Date: 03/21/2025
Please find the final response to complaint ID # ********
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