ComplaintsforOportun, Inc.

Loans

Additional Complaint Information

Customer Complaint:

BBB’s file for Oportun, Inc. was created in December 2011. A review of complaints was completed in April 2024. Complaints on file concern issues with fund transfer delays.

BBB encourages consumers to review the company’s link below that details the company’s transfer process.

https://help.oportun.com/hc/en-us/articles/204827347-Withdrawing-money-to-a-linked-bank-account

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Initial Complaint
07/18/2024
Complaint Type:
Service or Repair Issues
Status:
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.
On July 18, 2024, I spoke with a representative *************************** about an issue I was having. Opportun reported a negative re**** on my credit report a day before my payment was due, which is on recurring payment per their request. I asked why there was a negative **** on my credit report and the representative stated that because I enrolled in their Payment Reduction Plan, I would have a negative **** on my credit report every month. I was discouraged from getting on this plan because I did not want a negative re**** so I asked her what the process is for not receiving a negative **** on my credit report. She stated that I would have to delete the Payment reduction plan but she first needed to consult with her supervisor. When she returned back from the conversation with her supervisor, she stated she deleted my Payment reduction plan without first having a conversation with me or updating me on what the supervisor suggestions were. She stated that my payment is tomorrow and has increased from $90 to $225. I explained to her the reason I was on the plan in the first place was due to relocating from ***** to ******* and pending employment so paying $225 without a chance to react or plan would be difficult for me. She put a supervisor on the phone-****** who re-instated me on the payment reduction plan and payments back to $90. I now have to start over with paying ********************************* money due to the error of the representative *************************** and my interest rate increased due to this transaction. I stated that I was not a happy customer due to their error and they stated that is all they could do for me. I feel ripped off financially and my problem of them reporting to the credit bureau was not resolved. They both suggested I dispute with the credit bureau, not them.
Business response
07/24/2024
Please find the final response to complaint ID # ********
Initial Complaint
07/16/2024
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I have contacted Oportun about someone else using my email address for their account. They have told me they refuse to to rectify the issue because I won’t provide more information. I refuse to give more information because I don’t feel safe doing so. It’s led to a discussion that was a back and forth and then not budging at all. I would love if they stopped using my personal email for someone else’s account.
Business response
07/23/2024
Dear Jonathan R****,

We received your complaint filed with Better Business Bureau on July 17, 2024, regarding emails received from Oportun® Visa® Credit Card. We care deeply about your experience, and our unwavering goal is to provide exceptional support to everyone.

In your complaint, you stated that Oportun was sending you emails however the recipient’s name is different and you also stated that you do not have an account with us.

We listened to a call recording from July 16, 2024, when you advised one of our customer service agents that you are receiving emails from Oportun for one of our members, Jose R****. After our investigation, we have confirmed that the email address ******************* was inadvertently entered incorrectly and we have removed it from our files. You should not be receiving any additional emails from Oportun. However, please keep in mind that emails that may have already been programmed to be sent out may still reach your inbox, please delete them accordingly.

Thank you for reaching out to us and allowing us to investigate. We appreciate your patience and understanding in this matter. We apologize for any inconvenience this may have caused you.

At Oportun, we are steadfast in our commitment to enhancing the level of service we provide to our members. Your feedback is of utmost importance to us as it helps us identify areas for improvement. We are committed to learning from this experience and improving our processes. We assure you that we will take steps to prevent such issues in the future. If you have further concerns or questions, please contact us at ************** or **********************.

Best regards,

Reese W******
Customer Experience Sr. Director
Oportun
Customer response
07/24/2024
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.

Sincerely,

Jonathan R****
Initial Complaint
07/16/2024
Complaint Type:
Service or Repair Issues
Status:
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.
Oportun is a banking app which removes money from you bank and saves it in small increments. They allow you to remove your money using the instant which you pay .99cents or you can wait two days and have the money deposited. Its been 6days ive called multiple times and was given the run around. I am currently out if $300.00 which my bank ***** fargo says it was never deposited, but opotun is telling me it was the day before i made the withdrawal which is fraudulent and inaccurate
Business response
07/26/2024
Please find the final response to compliant ID # ********
Initial Complaint
07/13/2024
Complaint Type:
Customer Service Issues
Status:
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.
Oportun has all of my bank account and card information necessary to withdrawal payments. However they did not take the payments out from my bank account even though I have a automatic payment set up through my routing number. They did not have the correct address on file nor did they call my correct phone number to reach out requesting payment. They instead have been reporting the account late and messing up my credit. I have paid the months that they have reported for non payment on 6/10/24 and 6/13/24 yet they have not updated the account and reported the account as current. They still are reporting non payment and still messing up my credit negatively. Since I have used this company they have reported my account 23 times for late payments and also taken my credit score down 100+ points that reflect negatively. I am seeking to have them remove the inaccurate credit reports for non payment and late payments because they have all the necessary bank information to withdrawal the payments and instead they reported the payments late or unpaid. They have also sent my account to collections when I have a existing payment plan on file. I have paid the account up to date balance since **** 2024 and proceeded to make payments on time yet they have not updated the account since May 2024 to reflect the account balance being current and up to date. I will reach out to lawyers regarding improper and false reporting to credit bureaus, inaccurate reporting, not up to date reports, and seek damages regarding negative reporting to my credit score when the account has been paid up to date. They have also charged several late fees instead of withdrawing the money directly from the account eventho they are authorized to make the withdrawal. They recently reported another false report for non payment of **** when they already withdrew two payments this month of July on 7/1 for **** and 7/12. The account is current and they are still reporting 60 days past due on the account.
Business response
07/18/2024
Please find the final response to complaint ID # ********
Initial Complaint
07/13/2024
Complaint Type:
Sales and Advertising Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
This company keeps sending me a text message stating that I need to update my bank account and that my bank account has been unlinked. The message includes a link. Today I received another message and messaged "STOP". The scary part is, I have never had any business with this organization why are they sending me a link to update my bank account information. Smells like a SCAM. I have attached a screen shot of the text messages in this complaint.
Business response
07/19/2024
Please find the final response to complaint ID # ********
Customer response
07/22/2024
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.

Sincerely,

***************************
Initial Complaint
07/08/2024
Complaint Type:
Product Issues
Status:
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.
Name: ************************* Address: ******************************************* DOB: 12/23/1993 Last 4 of SSN: 3916 Date: 07/08/2024 Bareau Name: Oportun Bareau Address: ***************************************** Recently, I did an investigation on my credit report and found several items on there to be inaccurate.Under 15 U.S. Code 1681 e (b)Accuracy of report Whenever a consumer reporting agency prepares a consumer report, its 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 of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation; and ii)promptly notify the furnisher of that information 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. *******
Business response
07/16/2024
Please find the final response to complaint ID # ********
Initial Complaint
06/27/2024
Complaint Type:
Order Issues
Status:
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.
I am not liable for this debt with OPORTUNPROG. I do not have a contract with OPORTUNPROG. They did not provide me with the original contract as requested.
Business response
07/09/2024
Please find the final response to complaint ID # ********
Initial Complaint
06/20/2024
Complaint Type:
Billing Issues
Status:
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.
I wanted to speak to someone about the interest on the loan. Every time I go to apply payment the balance did not go down it went up. When I spoke to one of the associates over the phone she had mentioned there was a daily fee. I asked her to please provide me with a breakdown or amount of the daily fee she told me to log in online and get it. I logged in and there is no daily fee they are just charging what they want. I tried to reach out several times to get documentation of the daily fee and havent gotten anything as of yet explaining this extra $1000.00 I have paid. I believe the original apr went up as well. I need them to provide proof of the daily fee or adjust my loan that I just paid off.
Business response
06/28/2024
Please find the final response for compaint ID # ********
Customer response
06/30/2024

Complaint: 21876563

I am rejecting this response because: Can you please send me all the receipts of payments that were made to you with the daily fee itemized on each payment with a paid in full receipt .

Sincerely,

***************************
Business response
07/03/2024
Please find the final response attachments for complaint ID # ********
Customer response
07/05/2024

Complaint: 21876563

I am rejecting this response because:
Thank you so much for the letter. I would also like a copy of the original letter stating the date when I was first was approved for the loan, along with a notice of when this zero balance will be reported to the creditors please and thank you.
Sincerely,

***************************
Initial Complaint
06/19/2024
Complaint Type:
Billing Issues
Status:
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.
Ive been dealing with a cancer diagnosis since March and had surgery in April and have been trying to recover from that. I got a letter in the mail recently saying my account was closed due to inactivity. I paid off my card in March so while dealing with my cancer, I didnt use the card and now Im being punished for being sick by them closing my account? This is unacceptable to me as I was a good cardholder and always paid on time and even got a recent credit limit increase! This is not good business to treat cardholders like this, Ive been calling for the last week to try to speak to a manager and keep being told my account is in review. I called today and was told it cant be reopened. So this is how you treat someone whos dealing with a serious health issue?? Shame on you!! This company is a joke and doesnt care at all about their cardholders, stay away from this company!!
Business response
06/26/2024
please find the final response to complaint ID # ********
Initial Complaint
06/17/2024
Complaint Type:
Billing Issues
Status:
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.
I have resolved my account with this business years ago and have disputed several times with no resolution, after agreement of removal from credit report after paid in full.
Business response
06/26/2024
Please find the final response to complaint ID # ********
Customer response
06/26/2024

Complaint: 21859958

I am rejecting this response because: theres no context to their response.

Sincerely,

*******************************
Business response
06/27/2024
Please find the final response attachments to complaint ID # ********

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