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

  1950 Main St San Diego, CA 92113-2162

• 

  Oportun

  4536 E Tropicana Ave Las Vegas, NV 89121-6705

• 

  Oportun

  3201 Dallas Pkwy Suite 700 Frisco, TX 75034

• 

  Oportun

  4727 W Commerce St Ste 104 San Antonio, TX 78237-1596

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:08/19/2022

  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.

  Attempted to make a purchase with my Oportun **** card several months back. Card was declined. I immediately called customer service and was told that they had closed the card d/t non use. I thought it was odd d/t I hadn't had the card long - but said ok, keep it closed. Around 8/1 I receive a statement from Oportun in the amount of ***** for an annual fee. Called and spoke with rep who did verify that the card had been closed by them and that we do not owe the fee. Today 8/17 I had an automatic payment of ***** come out of my checking for a payment towards the annual fee. Called customer service yet again - inquiring how I got charged for a card that they closed, and I have never used. Stated unable to fix the problem and to pay the fee. WHAT? I sent an email today also, requesting a credit in the *** of ***** d/t they closed the card for non-use, card is useless to me, can't use it if I wanted to - cannot bill someone an annual fee for a card they can't use, and that they closed. I don't seem to be making any headway. Wondering if this company is even legit after all of this. I know it's not a lot of money, but that's not the point. It's wrong. Hoping you will be able to help me get this solved.

  

  Business Response

  Date: 08/26/2022

  Good afternoon,

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

  Thank you

  Oportun

• Initial Complaint

  Date:08/16/2022

  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 went to obtain a loan back on 08/11/2022 but once the check was deposited to my bank account. Im being told there is no funds on the check. Tried calling the collections department for Opportun to fix the issue by voiding original check and issuing a new one no one can do it. First I can return to the location I went to get issued a new check with no problem, then Im being told otherwise in store. I tried calling a few times and my call has been disconnected and everyone keeps giving me different answers. This is horrible customer service. This is an issue on their part.

  

  Business Response

  Date: 08/23/2022

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

• Initial Complaint

  Date:08/08/2022

  Type:Billing Issues
  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 authorized a fraudulent account in my name. I have contacted them via phone several times and would be transferred endlessly, ultimately to just be hung up on or leave with the issue unresolved. I finally reached someone who mailed me a packet for an ID Theft Affidavit. I have completed this and mailed it to the company with a verified delivery receipt from **** confirming it was received on May 19th. They mailed me another packet to complete on June 22nd, long after the original had been returned and notarized, and are still incorrectly reporting this account to the credit agencies. I put a fraud alert with all credit agencies once I realized identity theft had occurred. All other associated accounts I was able to close without any issue. However, this is not the case with Oportun. It is the lender's responsibility to do their research before approving a loan, they issued this loan to a criminal, and now I am facing the consequences. Despite all proper actions being taken on my part, this company continues to back the person committing the fraud rather than the victim of identity theft. This account needs to be closed, and the lender needs to hold themselves accountable. Loan # *******

  

  Business Response

  Date: 08/18/2022

  Good afternoon, 

  Please find attached the final response for complaint id #********

  Thank you

  Oportun

  Customer Answer

  Date: 08/19/2022

  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. Thank you for swiftly resolving this issue. 
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:08/07/2022

  Type:Billing Issues
  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.

  In the last week, beginning, August 3, 2022. I was bombarded with calls from Oportun.The caller asked me for my date of birth and the last 4 of my SSN With the first call I was suspicious. I did not answer the questions and called Oportun directly and the person told me my autopay was scheduled on July 26 and due on August 26. I said yes, I understood. That I had changed the amount. OK.Then I kept getting several calls telling me the same thing. I started to get angry. I went online to my account and it showed I had a returned check fee. I thought something was wrong. I didn't write out a check. I called Oportun and they transferred me to someone who cancelled my card saying it was compromised and said they would send me a new one. I asked about the fee if it could be removed. They referred me back to customer service.Finally after asking to speak to the supervisor, I was told the July 26 payment did not go through and that's why I was receiving the calls. I called my bank, with Oportun on the phone there was no charge from Oportun on July 26. I had money to cover that deduction and I have overdraft protection on my checking account. Then the Oportun employee asked me to read out my checking account number, she checked it against the account number entered for automatic payment and the Oportun rep said it was entered incorrectly. Therefore, she said, Oportun charged the wrong account. I said that the company should have caught the error prior to trying to take the payment that the account number was wrong. I have made numerous payments to the past with the same account and it is saved in their system. They could have notified me and I would have changed instead they charged me a 25 returned check fee and refused to refund it.

  

  Business Response

  Date: 08/17/2022

  Good afternoon, 

  Please find attached the complaint addressing complaint id #********.

  Thank you

  Customer Experience

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

  Customer Answer

  Date: 08/18/2022

  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.
  
  *********************************************************

• Initial Complaint

  Date:08/04/2022

  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.

  On June 24th I had set out to make my payment on oportune credit card, when all the sudden with the same card that I've been using since I've had the account was not working and kept on saying that I could not make the payment I in turn called my bank and found out that opportune system was trying to take two simultaneous payments, so I in turn called opportune Incorporated and inform them of the problem my bank also told me to have one of their customer service people make the payment for me I attempted to do this and the worker could not get it to submit the payment as well I inform the workers of their system messing up trying to take two payments at the same time in my bank was blocking that knowing that it was wrong and when I try to get the customer service person to make the payment via the same credit card I've been using on this account every since I opened it which has been almost a year now does not work the service worker could not get it to work so from that point they asked me for more financial information or that I can make my payment by going to a MoneyGram and paying them I told them no that's not going to solve the problem of my account but for some reason several customer service workers and when talking to an alleged supervisor which was a unique opportunity because I had asked for a supervisor and was given the runaround the first two times that I made this phone call in regards to having a supervisor call me back but never did and when I did talk to a supervisor and put my bank on the phone with them they said they were going to fix the problem but never did so now they want to charge me late fees and delinquency fees because they won't accept my payment and I keep on telling them they need to fix my account so I can pay them like I've been paying them but they don't seem to get it

  

  Business Response

  Date: 08/12/2022

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

• Initial Complaint

  Date:08/04/2022

  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.

  Made a payment on my account to pay it off. Clicked the link to download receipt, did it twice just to make sure. It circled and then said it was done, no receipt was downloaded to my phone. I call customer service said it takes 3 business days. The year is 2022 and it takes 3 business days for a receipt for a personal loan that I payed off, because the link didn't work. I was also told when I called an office near my house that they couldn't print a receipt and couldn't access my account. When I login to my account it just shows my name and nothing else no account number, payments made or anything else for that' matter all I wanted was a receipt for the payment made like the day I made it not 3 business days later.

  

  Business Response

  Date: 08/11/2022

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

• Initial Complaint

  Date:07/29/2022

  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.

  Oportun opened an account in my name using stolen identity information on 09/10/2021. This is only a month after my bankruptcy to which I had to file because of identity theft. Oportun did not send me a card, and Oportun did not verify my information prior to opening the account. I have extended fraud alerts on all 3 credit bureaus, advising that I am a victim of identity theft and that you must contact me in order to verify all applications before opening an account. Oportun did not follow my fraud victim statement, and oportun did not call me to verify the application. Instead Oportun opened the account and sent the card to someone, whom I do not know. I notified Oportun that I did not open this account on several occasions when I located the account on my credit files. Oportun let a fraudster register the account using ************************ and Charge the account $595 worth of fraudulent charges. Oportun, did not call me to verify the charges again I had no idea this account was even opened. I never received a card for this account, nor did I ever activate a card for this account. I did not authorize any payments on this account, and all associated account's have been closed due to Identity theft. Oportun refuses to investigate, and refuses to assist me. Instead advising me to fill out a statement even though I attached my FTC Identity theft affidavit. The statement asks what charges are fraudulent. The answer is all CHARGES. The application was fraudulent. I did not sign any application documents, I did not receive a card, and I did not receive benefits from this card. Oportun continues to report this to the credit bureaus as PAST DUE. IT's not past due because I do not owe this account. Oportun's hard inquiries were already blocked by all 3 Credit Bureaus related to this account. and I want this account deleted from my credit files and this account marked as fraud. I am a victim, and I do not know whom stole my identity.

  

  Business Response

  Date: 08/08/2022

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

  Customer Answer

  Date: 08/08/2022

   
  Complaint: 17642629
  
  I am rejecting this response because: Oportun states I uploaded a valid ID and that they verified my identity during their process yet then proceeds to ask me for my drivers license. I never uploaded anything to your site and I never signed any applications I did not receive your 3 additional cards either I do not know whom you sent the cards to but it most definitely wasnt me. Again this account application and entire account and balance are fraudulent. I sent an attached legal law enforcement affidavit its attached to this complaint and to this date opportun has not provided valid proof of ownership and or has not conducted an investigation. Opportun continued to ignore my complaint. 
  
  Sincerely,
  
  *****************************

  

  Business Response

  Date: 08/15/2022

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

• Initial Complaint

  Date:07/29/2022

  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 applied for a loan based on the advertisement that if approved I would receive the money in 1-3 business days. I applied and was approved on June 25th and was told I would not have to start making payments on it until August 2nd. 1-3 days came and went, NO MONEY. I called them back and they said well it actually takes up to 10 days. 10 days came and went called back they said well its actually 10 business days and it looks like we issued you a check in the mail on the 5th of JULY. which was 10 days after I was approved and I was told it would be direct deposit and they even took my bank details. I said fine whatever. 10 business days after the 5th came and went. called back they said they have no idea why I hadn't received it but they would go ahead and cancel the check and start the process for direct deposit. something I was under the impression they were doing from the start. they took my bank account information AGAIN. Said it would be 10 business day which made no sense as it was direct deposit. well low and behold 10 days came and went and still NO MONEY. I called back turned out they weren't doing direct deposit and had decided to mail me another paper check and hadn't mailed it until 2 days ago (the 25th of JULY) 8 days after i was told it would be direct deposited. I told them I no longer wanted the loan as it was already too much of a hassle and they had lied to me for the last time. they said since they issued the check already I was obligated to start paying it back at the original agreed upon time which is next Tuesday. I never received the money I told them I don't want the money and they said they won't be canceling and that loan. I cannot and will not pay a loan back that I never received. This whole business model screams fraud and scam as well as identity theft since they took all my information and have not produced results or used the information they took.

  

  Business Response

  Date: 08/08/2022

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

• Initial Complaint

  Date:07/27/2022

  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 credit card account with Oprotun. It has zero balance. I was planning on using it while on vacation starting July 4. Evening of July 2, I got a couple of notices that my card was attempted to be used with a "not in hand card" purchase with a vendor and charged $0.01 twice. Both times the security code was put in wrong is what I was told. I was told I should file a fraud statement and get the card reissued (even though no successful charge was made and someone is just fishing numbers). The ** rep closed and reissued my card and sent me over to the fraud ***** I was told by the fraud **** that the CC would be able to send me an expedited card especially because I was leaving on vacation. After finishing with fraud I had to call back (since they couldn't connect me) with **. I was told "oh we don't expedite cards". So I was left to have no use of my card for 2.5 weeks which was cleared out for sole purpose of using on the trip. Fast forward to finally getting home and card is in the mail waiting for me to activate it. I activated it on Monday and by Tuesday night I had a NEW notification that someone attempted to use the card for $0.01 for an online purchase (different vendor than before). I have yet to call because I have decided to use the card for a recurring **** on August 1 and I know that if I report the fraud NOW, I will not have a new card in hand when I actually NEED to use the card. I NEVER get "fraud" notices with any other card when someone attempts a purchase and the security code wrong! I do it all the time on accident and NEVER get notices as "attempts" requiring me to file fraud claims. WHY does this card insist on doing this and require you to close your account and wait for a new card? You will never get me to use it at this rate!

  

  Business Response

  Date: 08/05/2022

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

• Initial Complaint

  Date:07/25/2022

  Type:Product Issues
  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.

  On 7/21/22 I applied for a loan ******* and was approved for $1500. The money was supposed to be disbursed 7/22/22 by direct deposit. I have not received any funds to date. My bank does not hold deposited funds. I have called and customer service keeps telling me it was disbursed 7/22/22 but I have received nothing. I'm tired of going back and forth with customer service over funds that were never disbursed. I would like to rescind the application loan request since funds were never distributed.

  Customer Answer

  Date: 07/26/2022

  I would like to withdraw my complaint as the business has resolved the issue today.
  
  Thank you bbb for your assistance with this matter,
  
  *************************
  ************
  *******************