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
- 405 total complaints in the last 3 years.
- 118 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:04/24/2025
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 a complaint against Oportun regarding a fraudulent account that has negatively impacted my credit report. I am a victim of identity theft and have never applied for or opened any account with **********************. Despite this, Oportun has reported a collection account under my name to the credit bureaus.Several years ago, I received a letter at an old address stating Oportun was attempting to take me to small claims court. This was the first time I ever heard of the alleged debt. Since then, the balance reported on my credit report has changed multiple times without any clear explanation. I have made attempts to contact Oportun to dispute this debt and explain that it was the result of identity theft, but I have not received a satisfactory resolution or confirmation that they are investigating the matter appropriately.I have also filed an identity theft report with the *** and submitted documentation to the credit bureaus, but the collection account remains on my report, continuing to cause harm to my credit standing.I am requesting that Oportun immediately remove this fraudulent account from all credit reporting agencies and cease any further collection efforts. This account does not belong to me, and it is unfair and unlawful for them to continue reporting it without proper verification.I want this issue resolved as soon as possible so I can move forward without this unjust damage to my credit.
Business Response
Date: 05/01/2025
Please find the final response to complaint ID # ********Initial Complaint
Date:04/15/2025
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 letter is being sent to you in response to a collection notice I received regarding the above-referenced account. I do not acknowledge or accept any responsibility for this alleged debt and, under my rights provided by the Fair Debt Collection Practices Act (FDCPA), 15 U.S. Code 1692g(b), I am requesting that you provide full validation of this debt.Please treat this letter as a formal dispute and a request for debt validation. Until you provide proper verification of the debt, you are required to cease all collection efforts, including reporting the debt to any credit reporting agency.Please provide the following:1.The amount of the debt and a full itemized accounting of how it was calculated.2.The name and address of the original creditor, including any original account *********** copy of the original signed contract or agreement that legally binds me to this debt.4.Proof that you are legally authorized to collect this debt in my state.5.A complete payment history, starting from the original creditor, showing that the debt is accurate and collectible.6.A copy of your state license (if required by law) to collect debts in [Your State].Be advised that any attempt to collect on this alleged debt without validating it is a violation of the ****** Also, if you have reported this debt to any credit bureau, you are required to mark it as disputed until it is validated.If you cannot provide these documents, you must cease collection activity and remove any related information from all credit reporting agencies.This letter is sent with the full reservation of rights and is not an acknowledgment or acceptance of any debt.Please respond within 30 days of receipt of this letter. Send all correspondence to the mailing address listed above.CHARGE OFF ACCOUNTS:EXPERIAN/EQUIFAX/TRANSUNION Creditors Name: OPORTUN/PROGRESO ***** Account Number: ******* Account Opened: 05/02/2022 Balance: $0.00Business Response
Date: 04/22/2025
Please find the final response to complaint ID # ********Initial Complaint
Date:04/15/2025
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: 12/01/2021 BALANCE: $3,611.00Business Response
Date: 04/17/2025
Please find the final response to complaint ID # ********Initial Complaint
Date:04/11/2025
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.
April 11, *************************************************************************************************************************-482 ************** ******************************** Re: Account Number ***** Dear ********************** *************************** Fin I am writing in reference to a debt claimed under the account number listed above. I wish to settle this debt in full without prejudice, in return for removal of its charge-off status with any credit reporting agencies that you have reported ***** return for your removal agreement, I am willing to pay off the debt in the full amount of [insert amount]. I offer this payment in exchange for your written and signed confirmation that this debt will be cleared completely from the records of all credit reporting agencies and all other references to this account. If the terms discussed in this document are acceptable, please acknowledge and accept them in a letter written on your companys letterhead. Once I receive notice of your agreement, I will pay the debt via [insert form of payment].As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. This offer is valid for 14 days from the date of receipt, after which it will be withdrawn, and I will exercise my right to full verification. Please note that I will revoke my offer if I do not receive your response to this letter within the specified time frame.I look forward to your response.Sincerely,******** ******* ******* ***************************************************************************************Business Response
Date: 04/22/2025
Please find the final response to complaint ID # ********Initial Complaint
Date:04/11/2025
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 honestly dont get why OPORTUN IN 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: $0Business Response
Date: 04/15/2025
Please find the final response to complaint ID # ********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 do not have credit with this company and they have taken funds out of my bank without my permission, and they want all of this information before they will help! Since this is fraud and money stolen out of my personal checking account in the amount of $926.65!!! I have asked them how to help and they are wanting too much information in my opinion. The want my bank statement! They want my DOB! They want ***** days to research! I want a complaint that they allow this to happen and then lazily want to resolve and have no desire to find out who the thief is. I want them to understand they just cannot do this, this is my debit card, I do not use credit, nor taken any loans from this company. They need to find out who they work with and see that company is doing fraudulent activity and they need to take a hard stand! I now have to wait!What proof do you need from me????Business Response
Date: 04/14/2025
Please find the final response to complaint ID # ********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 # ********
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