Complaints

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

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Oportun, Inc. has 26 locations, listed below.

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• 

  Oportun, Inc.

  2 Circle Star Way San Carlos, CA 94070-6200

  
• 

  Oportun, Inc.

  2433 E Tropicana Ave Las Vegas, NV 89121-5416

• 

  Oportun, Inc.

  568 N Eastern Ave STE A Las Vegas, NV 89101-3454

• 

  Oportun, Inc.

  2466 E Desert Inn Rd STE D Las Vegas, NV 89121-3622

• 

  Oportun

  4410 E Riverside Dr. Austin, TX 78741

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.

• Initial Complaint

  Date:12/01/2022

  Type:Customer Service Issues
  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.

  Was extended a personal and have submitted *************** orders to reduce interest rate to 6% under SCRA laws. Have had the run around with customer service on the matter for over 30 days. I keep getting transferred and given another number *************, to call There is no answer at that number, thus no resolution. They have adjusted my account under MLA, which is incorrect since SCRA would take precedence. Interest rate under MLA is 35% where SCRA is 6%

  

  Business Response

  Date: 12/15/2022

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

• Initial Complaint

  Date:11/28/2022

  Type:Billing Issues
  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 July of 2022, I inquired on a personal loan for 2 major emergencies such as a car break down and having to move. During this time, we were very financial unstable with young children ages 1 & 2, and recovering from the pandemic.We inquired on Credit Karma which had us pre-approved for multiple loans. However, we were continuously denied so I stopped looking.One of the lenders was Opportun.They happen to have called me and inquired that I was in fact approved for the loan- which had stated to *****% interest that quickly turned into *****% interest.After discussing with the loan representative, it was confirmed that it I paid my loan first I would not have to accrue interest. The conversation was recorded on their end.Due to the desperation of moving and fixing our vehicle, I agreed.I am now finding myself continuously paying my loan, with my balance lowering very minimally as they are placing my payments towards the interest and not the loan.I am now finding myself never having the ability to pay off the loan if the payment plan persists this way.Also, I am not able to see any activity on my past payments on my account. I called and asked for this to be fix. However,I have made 6 payments so far totaling **** with my balance only lowering to 7335.I feel like I was preyed upon and given an a bad option that was presented as the only option when I needed the way out.

  

  Business Response

  Date: 12/07/2022

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

• Initial Complaint

  Date:11/17/2022

  Type:Billing Issues
  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.

  Filed a complaint with company back in April of 2022 about a final payment that was due on my account.I turned off auto pay because i switched banks and didnt want any issues.I made what was supposed to be the final payment per what there website said manually.A month later I get a alert on my credit report about a missed payment.Tried contacted customer service with very little luck.It's very hard to communicate with them and they are very rude.Refused to connect me with a supervisor.Filed a complaint about this situation and was informed by mail that this would be resolved.So here we are in November 2022 and this still was showing on Equifax as a late payment.They removed it from the other two credit bureaus.So I filed a dispute with ******* and not only did they not remove it from there,they also put it back on Transunion.They gave a number to call with nobody to answer the call.CONSUMER BEWARE customer service is horrible.

  

  Business Response

  Date: 11/22/2022

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

• Initial Complaint

  Date:11/17/2022

  Type:Service or Repair Issues
  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 sent me, solicited me, to refinance an existing loan on November 14, 2022. I did, They lied and said I applied 11-08-22, that is a lie. Then they asked for documents, which I sent. 3 times they asked for more documents, each time creating a new inquiry and loan request according to them. I applied once and only once, period. So that is yet another lie by Oportun. Then they said I was approved, then said we will be sending documents. they never did. On 11-16-22 I spoke to a ******* who said the hold up was they needed to verify my identity due to me having an alert on my credit bureaus, he did. Then at 11 am I was told the documents are on the way. Then at 1:30 pm a woman, whom was never involved, says now I was unapproved because they couldn't verify my identity, which they ALREADY did. Bottom line= they lie, they deceive, they take zero responsibility for their inept behavior.

  

  Business Response

  Date: 11/22/2022

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

  Customer Answer

  Date: 11/23/2022

   
  Complaint: 18417043
  
  

  I am rejecting this response because:I never filed a complaint October 17, 2022, I only applied after they solicited me on November 11, 2022, more than a year after he claims I filed a complaint. Then he states on November 21, 2021, over a YEAR AGO, I did not meet the criteria, that is wrong as in November 2021 is when they gave me a loan. He does not appear to know what year it is, when anything happened, the letter in totally incongruous to the complaint. Oportun has promised, see attached, in WRITING they would reach out to me, they have NOT!!! This letter is so full of errors from them it is further proof that Oportun has no clue what they are doing. The BBB should not allow such an insipid response, wrong dates, wrong year for God's sake. They refuse to acknowledge their error. This letter is so full of obviously wrong dates and facts why would anyone believe anything Oportun says?
  

  
  

  
  Sincerely,
  
  ***********************

  

  Business Response

  Date: 11/29/2022

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

   

  Customer Answer

  Date: 11/29/2022

   
  Complaint: 18417043
  
  I am rejecting this response because: This letter replaces the error filled one sent previously. Oportun, *************************, master of deception, has simply went back and tried to find the correct dates. I am attaching his original response with the wrong month, wrong year and wrong information. He never even has the common decency to admit he made  multiple errors originally, even though it is obvious. He never addresses why they lie, NEVER respond to any emails to the complaint email address, never call to actually speak to a person, never addresses the **** I already have a loan with them, never addresses the fact THEY solicited me, never addresses the fact they could not connect the dots so to speak to get my loan done. They are quite simply NOT to be trusted. How can anyone, me included, think a company is honest saying I complained in October of 2022 when NONE of these issues began until November of 2022? Plus what the heck is he talking about a loan in 2021? I received that loan, so he is wrong again. It is al smoke and mirrors with Oportun. the BBB should give them an F.
  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:11/09/2022

  Type:Service or Repair Issues
  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 got the Oportun Credit card to have on hand in case of emergencies. It's not linked to any online accounts. No one has access to my card. I have never used the card. I log into my accounts periodically to look for suspicious activity. I've had this card maybe 6 months l paid the annual fee that's the only transaction that should be present. Yet I see a transaction go through to a restaurant in another State listed. Knowing it's not me. I of course dispute the transaction. Some time goes by I get a letter in the mail acknowledging the dispute saying it's being investigated, and that nothing was required of me. I get a second letter again later asking for additional information for the dispute. Nothing specific is listed. Not knowing what I needed to provide I reached out to the investigator assigned my case. I get no answer when I called. I did a follow up call no luck once more but I leave a msg. Explaining who I was, why I called, why I am disputing the transaction and I leave my personal cell. No call returned no letter received to indicate the msg was received. The account remains unused STILL. About 3 months total go by and I get a letter today saying a decision has been made, and that the transaction was valid. I call the investigator again no reply. So I leave a msg saying I disagree and that I'd called before and left a msg. I then call their customer support hoping to get a hold of someone else. I get transferred in call to another department. A hr wasted on incompetent workers that thought my frustration was funny. Like literally giggling and putting me on hold when I asked for information. Being asked the same two questions repeatedly in 15min intervals of being put on hold. While talking still. Another lady joins him to question me the same things. While he giggled in the back. I said I wouldn't pay that transaction, and I wanted my account closed out. If they try to collect at my expense. I have the call recorded. Im fine settling this in Court.

  

  Business Response

  Date: 11/21/2022

  Good afternoon,

  Please find attached the final response to complaint id #********.

  Thank you

  Oportun

• Initial Complaint

  Date:10/28/2022

  Type:Billing Issues
  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 my bank mail a payment of $735.21, for account number ending in ****, on 7/25/22 which would have paid off the account. I called the company on 8/5/2022 to inquire why the account was still not showing a payment and I was told that it takes **** business days from when the check was received to post a payment and that would be on 8/8/2022. I called again on 8/19/22 to inquire why the payment hadnt posted yet and was told that the payment was being processed and I should see it posted to my account on 8/25/22, one month after the payment being sent from my bank to them. I called my bank on 8/19/22 to see if the check had been cashed, and they verified it had been cashed by their company on 8/18/22.I called again on or about 8/24/22 to give them the 3-5 business to post the payment. I told their customer service representative that the check had been cashed on 8/18/22 by their company, where I was told that there was no record of a payment being received. I asked to speak to a supervisor and was transferred to *******. I explained everything to ******* and he told me, and I quote the department is running behind on processing payments due to a back log. They are working as fast as they can to process payments. If your payment is not credited to your account before the due date, and you incur a late fee, your late fee will be reversed. On 8/25/22 I made a payment of $15.51 as that would have been all that was left on my account after the payment of $735.21 was applied. I called again on 8/29/2022 and spoke with supervisor *****, he stated there was no record of my payment, even though my bank had stated they had cashed the check. I was told I would have to get a copy of the check and send it in to the above address. I requested an email address to send the copy of the cancelled check to and was told that their company doesn't have email and that there was no way for me to send this letter and document to one person. I have sent 5 letters without results.

  

  Business Response

  Date: 11/16/2022

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

• Initial Complaint

  Date:10/28/2022

  Type:Billing Issues
  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.

  To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.OPORTUNPROG ******* $1,267.00Under the Fair Credit Reporting Act, 15 U.S.C. ****g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  

  Business Response

  Date: 11/07/2022

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

• Initial Complaint

  Date:10/28/2022

  Type:Service or Repair Issues
  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.

  10/28/2022- I noticed an email saying I was late on my payment. I have complained about this before. Upon logging into my account and making the payment I get 3 different totals of what is due to be paid. It is a $500 loan that by now should be paid off because I have made several overpayments which the overage is supposed to be applied to the principle balance. I have requested a detailed invoice showing all of my payments and how each payment has been applied to the balance. I always get a response in Spanish (Just b/c my name is *****) . I am uploading the screen shots from this morning showing each different amount from log in to initial payment. I did make a payment of $25 today. I would like a refund applied to my account for all the late fees that have been issued on my account. If the payment information was correct for the amount needing to be paid then the payment wouldn't be late. If it says I owe $5 that is what I am going to send, when in actuality the payment is more but they didn't disclose that, they just have been applying late fees.

  

  Business Response

  Date: 11/07/2022

  Please find the final response for complaint # 18327087

  Customer Answer

  Date: 11/12/2022

   
  Complaint: 18327087
  
  I am rejecting this response because: the pictures I sent show the three different amounts owed which leads to a result of a late fee and I have incurred several late fees due to payment amounts not being accurate. I want to receive credits to my account for the late fees I incurred due to this happening. If this does not happen, I will then report this incident to the Attorney General which does not take kindly to companies like these effecting consumers.  I will upload new documents which show I made the payment and after doing so I am now current however there is already a late fee accrued. I will be reporting this to the Attorney General now. 
  
  Sincerely,
  
  *********************

  

  Business Response

  Date: 11/22/2022

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

• Initial Complaint

  Date:10/21/2022

  Type:Service or Repair Issues
  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.

  Have been paying my credit card payments on time 100%. Only to find out I have been being charged the day after my payment date after the payment has been paid again. Which intern has charged me an extra payment a $25 fee from Opportunity Credit not counting if it overdraw my bank like it did on several occasions. They told me this cannot be stopped. They cannot help me. This is not right were not fair.

  

  Business Response

  Date: 10/31/2022

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

• Initial Complaint

  Date:10/20/2022

  Type:Billing Issues
  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 a account with Oportun I have sent them multiple letters to settle the account and they have not replied to my letters at all The account is affecting my credit big-time I really do not know what else to do Anymore im trying to work out something with them but they keep ignoring me and my letters that I sent by register mail to them.

  

  Business Response

  Date: 10/28/2022

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

  Customer Answer

  Date: 10/28/2022

   
  Complaint: 18250100
  
  I am rejecting this response because:
  
  Sincerely,
  
  *********************

  i have been trying to settle the account but they kept giving me excuses 

  and  they ignore  my letters I sent to them by mail  if they sold the account to someone else 

  why are they still reporting it my credit report if they do not owed  the account anymore 

  becuse they sold my account to someone else . 

  

  Business Response

  Date: 11/03/2022

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

  Customer Answer

  Date: 11/03/2022

   
  Complaint: 18250100
  
  I am rejecting this response because:
  
  Sincerely,
  
  *********************

  i was never contacted by opportune by phone or by mail at all to do payments agreement on the account instead they decided to sale my account to a collection company 

  i wasn't aware until they mentioned they have sold my account to someone else .