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.
- 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:01/17/2025
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 need to withdraw and close my savings account. I use to have a digit account. Id really appreciate a phone call to resolve this. ***** *** ************************************************************************* ********** I don&#**;t have my account number, when the switch from digit to you all I wasn&#**;t and to get my account info since the digit app working. I really need my money and need the withdrawals from my back stopped. I&#**;m going to be contacting a lawyer here shortly if I don&#**;t start getting some answers. Thank you, ***** *** ********** ********************
Business Response
Date: 01/30/2025
Please find the final response to complaint ID # ********Initial Complaint
Date:01/16/2025
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 had this account with digits which is also named optorun currently they have been subtracting money off my account in and attempt to save and put money away for a rainy day but I have been trying to reclaim those funds and there customer service has been holding on to my money lying to me and giving me the run around telling me to wait how many days and even when I wait I still cannot see my money being deposited to my account I have even reached out and shared my account details just in case theres any errors to deposit the money and I have yet to receive them so Ive been scammed out of my money from this company and they have closed the account i initially had on there platform so I cannot access any informationBusiness Response
Date: 01/29/2025
Please find the final response to complaint ID # ********Customer Answer
Date: 01/29/2025
Complaint: 22821929
I am rejecting this response because: they requested for me to upload my license the address where I want the check sent to plus utility bills or bank statements as you can see I have sent in my drivers license plus my bank statement which is in my name to verify my address and I have still not received a confirmation that my check has been sent out and upon reading that response if there saying there getting an error from the checking account which its the same checking account I have provided the statement from and receive direct deposits to I have also went to the extent of contacting the bank to see if theres any issue receiving the money and they have said they havent seen any deposits coming from that source so thats all a bunch of liesim trying to upload the pics of the conversation and the documents that was sent to the email but its saying file is to large I can provide the proof at a different source to upload documents that were sent to them if applicable
Sincerely,
**** *****Business Response
Date: 02/21/2025
Please find the final response to complaint ID #********Customer Answer
Date: 02/21/2025
Complaint: 22821929
I am rejecting this response because: as you can see i have been sent in physical mail pieces thats tied to my address and yet I still cannot receive my money I have uploaded pictures for proof that the company has been giving the run around to release my money
Sincerely,
**** *****Initial Complaint
Date:01/13/2025
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.
Federal Violations Truth in Lending Act (TILA) 15 U.S.C. 1601 et seq.Under TILA, lenders are required to accurately disclose and report loan terms, balances, and payment histories.Your reporting of inflated balances in excess of the amount borrowed constitutes a clear violation of Regulation Z (12 C.F.R. Part 1026) and federal disclosure requirements.Fair Credit Reporting Act (FCRA) 15 U.S.C. 1681 et seq.The **** mandates accurate credit reporting practices. Under 15 U.S.C. 1681s-2(b), knowingly reporting false information is a violation punishable by civil penalties and potential criminal liability under federal law.Violations of the **** may result in imprisonment of up to two (2) years for willful misconduct.Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) 12 U.S.C. 5531 Knowingly reporting false credit information constitutes an unfair and abusive act, violating UDAAP protections established ************ reported over the loan amount making it negative amortize on my credit report they reported December ******* $6721 which is impossible loan amount 6k They added 623 on top of loan amount taking interest 35% over state allowed interest This loan isnt compound interest its precomputed every time I call their call center in ****** they make up more lies they promise emails with monthly statement ***** promised email with amortization. But nothing except loan docs in Spanish were mailed two weeks ago. Oportun has many lawsuits against their lending practice. I demand my credit fixed and the loan to be adjusted properly. My son emailed them to take me off arbitration. And they accuse me of having a lawyer lol. Theyve violated interest and charge me interest over interest and report over the loan amount. So many illegal loan practicesBusiness Response
Date: 01/31/2025
Please find the final response for complaint ********Customer Answer
Date: 01/31/2025
Complaint: 22804058
I am rejecting this response because:I have repeatedly asked oportun to report correct amounts to the credit bureau they keep recomputing interest and not posting my payments correctly to the loan they dont amortize like their schedule states. They keep emailing me statements Ive asked in Spanish only in Spanish I have a recording from the 28th where they stated they primarily lend to Latinos Ive asked per fair lending government laws that they must send me documents that show my signature on loan documents to this day nothing! They continue with their predatory lending practices. Ive attached the different loan balances they show where the balances go up not down after 5 payments which 1 pymt of $250 was paid directly to principal. They have ruined my credit score by 50 Points because of their unethical lending . Im asking again for my loan docs in English with my signature and for correct loan balance to the credit bureaus Ive filed complaint with the **** in both states ca and Fl. Ask you can see they resound only in Spanish. And they report wrong loan balances its a law for monthly statements in English Regards Julie
Sincerely,
***** **********Business Response
Date: 02/03/2025
Hi Aspen,
This claimant rejected our original response, but we have already addressed her concerns have no other information to provide so we consider this matter closed.
Thank you
Complaint ID # ******** - ***** **********
Initial Complaint
Date:01/12/2025
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.
I used to have an account with **********************/digit. The phone number that my account is tied to I no longer have access to ************. When I call Oportun at ************* it says the phone number is no longer valid. When I email help@oportun I get a different representative each time who says they are unable to locate my account tBusiness Response
Date: 01/29/2025
Please find the final response to complaint ID # ********Initial Complaint
Date:01/09/2025
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.
On 9/23/2024 withdrew all funds I had put into my ******* account before canceling the account., I received 2 emails from both accounts I had in the app saying my withdrawals were confirmed I received 1 but did not receive the other. 10/26/2024 I received the noticed that they KNEW I did not get the other funds and needed to reach out to them. I did so immediately and was told I would get a check mailed to me as my account was closed. In November I reached out again to say I did not receive the check. They issued another check mid November and again told me 7-10 days it would be here. Fast forward to the week of Christmas again asking about the check and was told it was mailed out and showing it was almost there to give it a few more days. Which leads me to today I reached out yet again 01/09/2025 asking about the check and was told they have no answers as their check system was down at this point it has been 4 months of our entire account being withheld, and no true proof they are helping. I have put thousands of dollars into this company for savings purposes I feel fortunate that the account that wasnt deposited was just under $400.. however I cant imagine how much more serious this situation could have been I just want MY money backBusiness Response
Date: 01/30/2025
Please find the final response to complaint ID # ********Initial Complaint
Date:01/09/2025
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 obligated for the debt asserted by OPORTUNPROG. I have no agreement with OPORTUNPROG, and they have not provided the original contract as requested.Business Response
Date: 01/15/2025
Please find the final response to complaint ID #********Initial Complaint
Date:01/02/2025
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.
The oportun card that I have was taken over by a new bank named revel. For the past 2 months trying to make my payments online I have had an issue because they show a new account number. I have been waiting for the new card to arrive- it hasnt. I had to call earlier in the month to make a payment on the account because I can no longer access anything with my old account number on the app. I have a confirmation number for payment this month but one of the **** I spoke with said my account is past due. He also said my new revel card was activated. I told him that it wasnt me who activated the card, because I never got it and asked about transactions. He said I dont need to worry about the card being activated by someone else because he didnt see any new transactions being made. But my account was showing past due. I asked many times to speak with a supervisor or manager- I spoke to this *** twice and 2 other ****. I waited 3 hours trying to get a supervisor or manager on the phone to confirm details Of my account that I can no longer access because someone else has activated my card. All I want is to get a manager or supervisor on the phone to confirm why they show past due and cancel the card that was activated by someone else and that is still clearly in their possession that they can use at any time, and I will never know because I cant access my account ! at this point I want to just close the account so I longer have to deal with a company like this.Business Response
Date: 01/02/2025
We received your complaint from the Better Business Bureau on January 2, 2025.
The **************** acquired your Oportun **** Credit Card on November 10, 2024, and has been replaced by Revel Mastercard.
If you have questions or concerns about your card or account, please contact Revel at ************ or visit ********************* for more information.
Best regards,
***** *******
Customer *************************************************Initial Complaint
Date:12/31/2024
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 writing to report a fraudulent account recently discovered in my name with Oportun, Inc. I am a victim of identity theft and did not authorize the opening of this account. Below are the details of the fraudulent account:Creditor Name: Oportun, Inc.Opened Date: 2/15/2023 Account Number: ******* High Credit: $2,132.00 Under the Fair Credit Reporting Act (FCRA), specifically Section 623 (15 U.S.C. 1681s-2), furnishers of information are required to investigate and correct any inaccurate information they report, including fraudulent accounts. I request that you close this account immediately and remove any negative information associated with it from my credit report, as required by 12 CFR 1006.34(c) and 12 CFR 1006.6(c).Additionally, under 15 U.S.C. 1681e(b), you are responsible for ensuring the accuracy of the information you report. Therefore, I kindly request confirmation of the accounts closure and any documentation related to the fraudulent activity.Thank you for your prompt attention to this matter.Business Response
Date: 01/02/2025
Please find the final response to complaint ID # ********Initial Complaint
Date:12/27/2024
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 have no idea who this Company is. I linked their app to my cell phone, and they got my bank account information and took my Federal VA disability money! They just stole money from me, a US Veteran! I did not authorize this. I have no products or anything from Oportun, they are thieves!Business Response
Date: 01/06/2025
Please find the final response to complaint ID # ********Initial Complaint
Date:12/26/2024
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.
I am not liable for this debet with Securitycred i dont have a contract OPORTUN INC,they did not provide me with the original contract as i reguestedBusiness Response
Date: 01/02/2025
Please find the final response for complaint ID # ********
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