Business Profile

Loans

Oportun, Inc.

Headquarters

BBB Accredited Business A+Rated by BBB

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

368 total complaints in the last 3 years.
110 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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:07/21/2025
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 am writing to the BBB in an attempt to have my credit report (via **********) fixed. The account referenced is not being reported properly as it still shows on my credit report as of 07/21/2025. Per the email and screenshots attached, this account was sold to another creditor effective 11/10/2024. Since the account was transferred, the old creditor's information should be removed from my account, thus it has not been corrected. Please note that I attempted to have this corrected previously and was awaiting a response but the previous creditor did not respond in time and thus my case was closed. I am seeking to have the OLD CREDITOR removed from my credit report via **********.
Business Response
Date: 07/23/2025
Please find the final response for complaint ID # ********
Customer Answer
Date: 07/23/2025

Complaint: 23632943

I am rejecting this response because:

As I mentioned in my initial writing, I understand that the card HAS BEEN TRANSFERRED to another creditor. I am expressing concern that the creditor account WITH ********************** has not been closed on my credit report and needs to be corrected. I have received multiple similar responses from this creditor (Oportun) and I do not feel that they are reading my responses at all.

Sincerely,

**** *****
Initial Complaint
Date:07/10/2025
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 Phone # ************** Location: *********************************** Self information:***** ******** Phone # ************** Oportun loan number: ******* I recently received a loan from on May ******* in the amount of $2,525 which was wired to my ***** bank account in person . For this type of loan I had to give Oportun my car title, Oportun adds themselves onto my car title as a lien holder until my debt is paid off. I have huge concerns that raise awareness proving Oportun fraudulent behavior as a business .My 1st complaint is that my bank account information was input to the Oportun database incorrectly . I realized this issue when my payments for my Oportun loan where not posting and I kept getting messages informing me that my loan payment was returned. I looked on my app for Oportun where I have access to all payment history and documents for my loan. After realizing this issue I called Oportun and they told me that I put the information in the system this way . That doesnt make sense when they had the correct information to wire transfer the $2525 to my ***** account on May ******* in person when I gave them my car title. After I got my loan I feel the women who processed my loan input the wrong information . This would explain why Oportun went ahead and *** another person account to get payment for 3 consecutive payments which where linked to my Oportun title loan. I have all the proof I took screenshots of this error. Moving forward my loan has accrued late fees ,along with daily interest accrued . I already sent proof of my bank account information again to Oportun per their request to fix the issue. I feel like this is a breach of information and confidentiality. After they updated my bank account information they totally changed the payments history for 3 payments under my account information which arent even posted on my account the date for each transaction dont make sense. They have altered all the contract documents.
Business Response
Date: 07/25/2025
Please find the final response to complaint ID # ********
Initial Complaint
Date:07/09/2025
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.
am writing to demand the immediate deletion of the Oportun account from my credit report due to significant inaccuracies and violations of the Fair Credit Reporting Act (FCRA). The payment history, as reported on my Equifax credit report dated July 04, 2025, contains egregious errors that misrepresent my creditworthiness and must be corrected without delay.The account, marked as "CLOSED," exhibits the following critical issues:Premature reporting of a charge-off **** for June 2025, a month not yet complete as of the report date, rendering the data inaccurate under FCRA Section 623(a)(1).Inconsistent delinquency reporting, including a 120-day past due status in January 2024 not followed by a logical charge-off sequence, violating FCRA Section 623(a)(2) and Metro 2 guidelines.Missing date of first delinquency (DOFD), a required field under FCRA Section 623(a)(5) and Metro 2 standards, preventing proper calculation of the 7-year reporting period.Incomplete data with "no data available" entries for multiple months, contravening Metro 2 requirements for complete history on closed accounts.These errors have caused unjust harm to my credit profile. Under FCRA Section 611(a)(1), I demand that you conduct a thorough investigation within 30 days and remove this inaccurate account from my credit report. Failure to comply will leave me no choice but to escalate this matter, including filing a formal complaint with the ************************************ (****) and pursuing legal action for damages under FCRA Section 616 and 617.
Business Response
Date: 07/15/2025
Please find the final response to complaint ID # ********
Customer Answer
Date: 07/15/2025

Complaint: 23576084

I am rejecting this response because: Oportun has said they are not responsible for the information reporting on my report, actually they are as the data furnishers. As the data furnishers, they are responsible according to the **** and *** and Metro 2 Compliance.

Sincerely,

Iran King **
Initial Complaint
Date:07/08/2025
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 June 2023, Oportun charged off an account and began reporting it on my credit under both collection and charge-off statuses. This is a misrepresentation. I formally requested validation of the debt and issuance of the required 1099-C under IRS regulations, but no 1099-C has ever been sent. Oportun responded to my dispute by stating that the information is accurate, but failed to provide legal validation or any documentation to justify reporting the account as a collection or charged-off debt. This response is evasive and does not satisfy the requirements of the **** or IRS reporting rules. The inaccurate reporting continues to negatively impact my credit, and their lack of response obstructs my right to correct my file.I am requesting that Oportun:-Remove the inaccurate tradeline from my credit reports - Provide a valid 1099-C or confirm in writing that no cancellation of debt occurred - Cease all collection reporting if the account was already discharged - Respond with proper documentation that validates the debt per federal laws
Business Response
Date: 07/10/2025
Please find the final response to complaint ID # ********
Customer Answer
Date: 07/12/2025

Complaint: 23571521

I am rejecting this response because:
I formally reject Oportuns response.

Once again, the company is evading the actual legal violations and is instead attempting to respond by sending previously disclosed documents such as the contract, payment calendar, and statements. This is not a request for debt validation, and these documents are irrelevant to the real concerns raised in the complaint.
The following unresolved violations remain:
1 - Simultaneous Charge-Off and Collection reporting:
Oportun is reporting both Charge-Off and Collection statuses on the same tradeline, which is legally and factually contradictory. An account cannot be in both statuses at the same time. This violates 15 U.S.C. 1681e(b) for failure to maintain maximum accuracy in the information reported.
2- Reporting a charge-off with a $0 balance:
Oportun charged off the account on June 30, 2024, showing a $0 balance. This contradicts their claim of unpaid debt and implies that the debt was forgiven. Under *** regulations, a 1099-C form must be issued if debt is canceled above $600. Oportun refuses to issue this form but continues to report derogatory data, creating conflicting and misleading records. This raises serious tax compliance concerns and may constitute a willful misrepresentation of account status.
3- Violation of consumers right to direct communication:
In my first formal CFPB complaint, Oportun never contacted me directly but only responded through the portal, despite the request for a direct response. This is a violation of 15 U.S.C. 1681s-2(b) and shows a failure to properly investigate or resolve the dispute in good faith.
4- Failure to provide the legally required reinvestigation results:
Oportun failed to provide written results of their reinvestigation as required under 15 U.S.C. 1681i(a)(6) after being notified of the dispute. This leaves the dispute unresolved and violates the procedural obligations under the *****
5- Continued furnishing of inaccurate and incomplete information:
Oportun has continued to report this account with conflicting dates, such as a charge-off on 6/30/2024 and last payment dated 1/26/2024, while also reflecting the account as sold on 10/7/2024. These conflicting entries violate FCRA 1681e(b) by providing information that is clearly inconsistent and misleading to lenders or scoring models.

Final Demand:
I request that the BBB require Oportun to directly and clearly address the legal issues raised above not by submitting generic contract documents, but by providing a valid legal explanation or corrective action. Their current responses are evasive, misleading, and demonstrate a lack of transparency and accountability.

attached is the second dispute letter that was sent to them

Sincerely,

****** Pirela ********
Business Response
Date: 07/18/2025
Please find the final response to complaint ID # ********
Customer Answer
Date: 07/18/2025

Complaint: 23571521

I am rejecting this response because:
Oportun has once again responded with evasion, failing to address any of the specific legal violations and concerns presented in both my first and second formal letters. This is not a request for debt validation, contracts, or payment statements this is a legal dispute based on clear inconsistencies, inaccurate credit reporting, timeline contradictions, and mishandling of communication, as outlined in my letters.
Oportun continues to avoid addressing:
- The illegal and conflicting Charge-Off and Collection statuses.
- The IRS-related 1099-C concerns over alleged cancellation of debt.
- Their violation of 15 U.S.C. 1681s-2(b) for failing to conduct a reasonable investigation.
- Their violation of 15 U.S.C. 1681b for not maintaining proper permissible purpose in reporting.
Responding with blanket statements and copy-paste templates while ignoring all specific points of dispute only strengthens my legal case. This is the final notice: if Oportun fails to respond accordingly to the specific claims outlined in both submitted letters, a formal lawsuit will be filed. The violations have been documented with supporting evidence and submitted to the appropriate authorities.

I strongly urge the BBB to retain all documentation for legal reference.

Sincerely,

****** Pirela ********
Initial Complaint
Date:07/02/2025
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.
These debt collectors violated the ***** by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract; I did not take any part in the signing process. Furthermore, in noting my dispute of the account(s), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e(8) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and The ************************ (***) have been filed, dispute letters have been mailed to this debt collector; supporting documentation will be furnished. I demand that this company removes my account(s) from all three credit reporting agencies due to the violations or I will have no choice but to forward this to my litigation attorney.
Business Response
Date: 07/09/2025
please find the final response for complaint ID # ********
Initial Complaint
Date:06/30/2025
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 am filing this formal complaint regarding two unauthorized accounts that appear on my credit report under the account name **********************, *** The details of the accounts are as follows:---Account Name: *********************************** Number: ************* Date: **/**/************ Name: *********************************** Number: ************* Date: **/**/****** did not authorize or open either of these accounts. I discovered them during a recent review of my credit report. These accounts are having a negative impact on my credit standing.I am a confirmed victim of the 2017 ************ breach, which compromised the sensitive personal information of millions of consumers, including mine. I believe these unauthorized accounts may have resulted from that breach.I have already filed disputes regarding these accounts with the relevant credit bureaus. However, no corrective action has been taken to remove these fraudulent accounts. This inaction is deeply concerning and unacceptable.I am now seeking the assistance of the Better Business Bureau in resolving this matter. I request the following:Immediate investigation into the accounts listed above.Permanent removal of both unauthorized accounts from my credit report.Confirmation that my credit file has been updated accordingly.I expect prompt attention to this issue and a written confirmation once the corrections have been made. This situation is causing undue stress and financial harm, and I trust that your office will treat this matter with the urgency it warrants.
Business Response
Date: 07/03/2025
Please find the final response to complaint ID # ********
Initial Complaint
Date:06/27/2025
Type:Order 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'm not liable for this debt with **************** I did not have a contract with this agency that reported the two accounts, one being a Charge Off and the other being a closed account. They never provided me with the original contract as requested.
Business Response
Date: 07/01/2025
Please see complaint #******** attachment
Initial Complaint
Date:06/19/2025
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.
RE: Application ID ******** For several months, I had been inundated with loan offers and invitations from this company.I was not in the market for a new loan but decided to check out their offers, solely because they stated doing so would not affect my credit. I keep my reports locked to ensure no unauthorized activity occurs. I entered my information under the understanding that my credit would not be impacted.I assumed they would conduct a soft pull, like many companies do for promotional ************ November, after submitting my info, I was contacted and told I needed to unlock my reports. I specifically asked if this would affect my credit and which bureau would be accessed. I was assured it would not affect my credit and advised to unlock all reports, as they couldnt specify which one they would use.Since I was only exploring their offers, I agreed to unlock my reports.Whether it was my computer, their glitchy interface, or misleading information, something went wrong after ************* my shock and dismay, I discovered two hard inquiries had been madeone on Equifax and one on Experian.I contacted the company and explained that I only unlocked my reports at their request, based on their assurance of soft pulls for an application. I was misled and misinformed.I also received a letter of denial in the physical mail in which I ascertained the Reference ID of ******** Via phone contact I was told my concern was escalated and Id be contacted regarding removal of the ************ this date, no one has contacted me or resolved the issue.Evidently it seems my plight and concerns are considered trivial and not worth addressing by doing the right thing by removing the unwarranted Hard pulls to my Experian and ******* credit reports that were made due to companies unclear and misdirected actions.I implore and formally request the company remove these two inquiries from my credit reports.
Business Response
Date: 06/24/2025
Please find the final response to complaint ID # ********
Customer Answer
Date: 06/25/2025

Complaint: 23490711

I am rejecting this response because:
Upon examination
it seems the Oportun company has a
propensity to not resolve the majority of complaints submitted to them and only
address them with an Answer so taking that into perspective I realize for the
majority of my concerns will not be
understood or addressed and will ultimately fall to the wayside.

I would hope that the company will acknowledge the
fact that considering in their
perspective an application was formally submitted their policy states…. As stated in OPORTUN
FAQ
If you choose to submit a formal application,* A Hard
Credit Inquiry* will be conducted. -If a creditor says they will do one hard pull, it means one hard inquiry on your credit report,
NOT one hard inquiry on each of your credit reports from different bureaus.-

As stated in Oportun response several times ONE Hard Inquiry was conducted.
Which in fact there were TWO Hard Inquiries Conducted. ONE On Equifax and ONE
on Experian.

I humbly ask the Powers that be to at least remove the
additional hard inquiry that was conducted despite their FAQ info and the
repeated reference to ONE hard inquiry referred to in the response.

Sincerely,

Don Frazier
Business Response
Date: 06/30/2025
Please find the final response to complaint ID # ********
Customer Answer
Date: 07/01/2025

Complaint: 23490711

I am rejecting this response for the following reason:

In the initial response, it was clearly stated and reiterated that only one hard inquiry had been performed. However, the second response contradicts this by acknowledging that two hard inquiries were conductedone with Experian and one with Equifaxwhile attempting to justify both. This directly conflicts with the original statement and indicates that the representative is shifting the narrative to align with their own rigid, hardnosed and unyielding position. A simple removal of the unwarranted and Initially Unacknowledged Second hard inquiry or a simple recoding to a soft inquiry would have been the least that could be done to settle this matter fairly and amicably.

Sincerely,

*** *******
Initial Complaint
Date:06/16/2025
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 honestly dont get why OPORTUNWEBBK is reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it. Its frustrating because this is hurting my credit for no reason, and its just not fair. How can they just put something on my report without any proof?Account No: ******** Amount Disputed: $0
Business Response
Date: 06/17/2025
We received your complaint from the Better Business Bureau on June 16, 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:06/12/2025
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 June 2025, I reviewed my credit reports and discovered that several credit accounts and numerous hard inquiries had been fraudulently made using my personal information without my knowledge or authorization.Pathward NA / Oportun Unsecured Loan Opened 10/05/2023 Balance: $320
Business Response
Date: 06/18/2025
Please find the final response to complaint ID # ********

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