Complaints

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:04/29/2025

  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.

  This loan company i borrowed up money from has over charged me a ridiculous amount of interest. I borrowed seven hundred dollars from them, and I have paid back so far over twelve hundred and they still want a remaining five hundred dollars from me the interest rate that they have charged me is unethical.

  

  Business Response

  Date: 05/02/2025

  May 2, 2025
  
  ****** *****
  18 Derby Dr
  **********************
  RE:********
  LAI#********
  
  
  Dear ****** *****,
  
  This is the response of Opportunity Financial, LLC ("OppFi")to the Better Business Bureau complaint referenced as ******** (the Complaint) made by you, on April 29, ******* the Complaint, you state that the interest rate being charged is unethical.
  
  Please be aware that your Loan is originated and funded by ********************** (******), a Utah state-chartered bank with the **** as our primary federal banking regulator. Consequently, ****** is governed by both federal banking laws and the laws of the State of Utah. OppFi is only the loan servicer and provides certain services related to your loan on behalf of *******
  
  At OppFi, we take all complaints seriously as we strive to provide exceptional service at every touchpoint. In response to the Complaint, we have conducted a thorough investigation, and according to our records, you received two loans from ********************** (******). The most recent loan (the subject of the Complaint) is currently written off.
  
  You secured your most recent loan on November 24, 2023, in the amount of $700.00,which required a total of twenty bi-weekly payments in the amount of $61.71,with the first payment due on December 8, 2023. You have made twenty-one successful payments toward the loan. However, due to you revoking your ACH several times seven scheduled contractual payments were not made on the date that they were due.  Please be advised that missed or deferred payments will cause the loan to accrue additional interest and extend past the original maturity date.  The loan was written off on April 3, 2025,with an outstanding balance in the amount of $499.84.
  
  In the Complaint, you state that the interest rate being charged is unethical. Federal law (12 U.S.C 1831d(a)) provides for preemption of state usury laws that apply to FDIC-insured state-chartered banks. Therefore, an FDIC-insured state-chartered bank may charge interest at the rate permitted by its own home state. Since ********************** is in ****, it is permitted to export interest rates that comply with Utah law.Further, Section 18 of the Loan Agreement titled Governing Law; Severability;Interstate Commerce of the Loan Agreement states, This Note is governed by federal law and the laws of the State of Utah thereby enforcing that this loan was made in ****. ********************** complies with applicable federal and Utah laws, including those which apply to interest rates.
  
  Furthermore,by accepting the $700.00 loan on November 24, 2023, and signing the Promissory Note and Disclosure Statement (the Agreement) that includes Federal Truth in Lending Disclosures (inclusive of the APR), you acknowledged that the Agreement correctly reflected the terms of the loan and that you received a complete copy of the Agreement for your records. Further, by signing the Agreement, you acknowledged that you read, understood, and agreed to all the terms of the loan. A copy of the agreement is attached hereto.
  
  We hope this resolves all concerns, but if you have additional questions, please reach out to OppFi at ************** or me directly at *************************************************
  
  
  OppFi Complaints Management
  Opportunity Financial, LLC
  
  
  Enclosures:Loan Agreement

• Initial Complaint

  Date:04/23/2025

  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 am not liable for this debt with *******, I do not have a contract with OPPLOANS, they did not provide me with the original contract as i requested

  

  Business Response

  Date: 04/29/2025

  April 29,2025
  
  ******* ********
  ************************************
  ******************
  RE:********
  LAI#********
  
  
  Dear ******* ********,
  
  We are in receipt of the complaint (********) you submitted to the Better Business Bureau on April 23, 2025.  In the complaint, you state that you are not liable for debt with OppFi. For a resolution, you are requesting the account be removed from your credit report.
  
  ************ (*******) is a FDIC-insured, *******************. ******* Bank contracts with Opportunity Financial, LLC (OppFi) to offer small-dollar installment loans to consumers with less than perfect credit history. In this relationship, ******* is the lender and OppFi is the technology provider.******* originates the loan and provides funds to the consumer. OppFi is contracted to provide the application platform facilitating loan origination for *******, as well as services the loan on behalf of ******* after the origination.
  
  At OppFi, we take all complaints seriously, as we strive to provide exceptional service at every touchpoint. In response to your complaint, OppFi has thoroughly researched this matter. According to our records, you received a loan from ******* using the OppFi platform. The loan has been written off.
  
  You secured your loan on November 5, 2021, in the amount of $2,000.00,which required a total of nineteen bi-weekly payments in the amount of $185.66,with the first payment due on November 25, 2021.  You made four successful payments toward the loan and one unsuccessful payment.  The last successful payment received towards the was on January 13, 2022, in the amount of $189.00.  The loan was written off on May 4, 2022, with an outstanding balance in the amount of $2,736.45.  The account has been placed with **********,a debt collection agency, to collect the outstanding balance on behalf of OppFi.
  
  In your Complaint, you are disputing the debt. Please note that you signed the Promissory Note and Disclosure Statement (the "Agreement") on November 4, 2021, and accepted $2,000.00 on November 5, 2021. By signing the Agreement,you acknowledged that it accurately represented the terms of the loan and that you received a complete copy for your records. The Agreement also includes a section titled "Credit Reports," which states that "You understand and agree that we may obtain credit reports on you on an ongoing basis until this Note is paid in full. You also understand that we may report your performance under this Note to credit reporting agencies. Late payments, missed payments, or other defaults on your loan may be reflected in your credit report." By signing the Agreement, you acknowledge that you read, understood, and agreed to all the terms of the loan. In an effort to assist you, we have attached a copy of the Agreement as well as a copy of your loan amortization to validate your debt, which provides the following information:
  -Current Balance 
  - Total Payments 
  - Principal Balance 
  - Interest Balance 
  - Fees Remaining
  
  Regarding your requested resolution to remove the account from your credit report,unfortunately we are unable to do so.  We are required to report accurate and complete information to credit bureaus under the Fair Credit Reporting Act and to not adjust such information unless we know or have reasonable cause to believe that the information is inaccurate. OppFis credit reporting team has confirmed that the account is accurately being reported as written off with an outstanding balance in the amount of $2,736.00.
  
  We hope this resolves all concerns, but if you have additional questions, please reach out to OppFi at ************** or me directly at *************************************************
  
  
  OppFi Complaints Management
  Opportunity Financial, LLC
  
  
  Enclosures:Loan Agreement
                      Payment History

• Initial Complaint

  Date:04/22/2025

  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.

  To Whom it may concern,I am writing to express my deep concern regarding several unauthorized account with ******************** LOANS Account number: *********** Account balance: $1,564.00, which I have been unable to resolve directly with them. I have discovered that accounts have been opened in my name without my knowledge, consent, or authorization. This fraudulent activity is not only a violation of my privacy, but it has also caused significant distress. I expect immediate action to rectify this issue. I am requesting that the Better Business Bureau assist in removing this account from my credit reports.I have attached copies of relevant documents, including my driver's license proof of address, copy of my social security card a cover letter and the my credit report, to support my case.I kindly ask for your assistance in facilitating a resolution to this matter. Please let me know if you require any further details or documentation.Thank you for your attention to this complaint. I look forward to your response and to a prompt resolution.

  

  Business Response

  Date: 04/29/2025

  April 29, 2025
  
  Ebony ****** ********   
  *********************
  ********************
  
  Re:BBB Complaint ********
  LAI:XXXX6459
  
  Dear Ebony ****** ********,
  
  This is the response of Opportunity Financial, LLC ("OppFi") to the complaint you submitted to the Better Business Bureau (BBB) on April 22, 2025, referenced as ******** (the Complaint). In the Complaint, you state that you have an unauthorized account with ******************** LOANS, which you have been unable to resolve. You further state that the account was opened in your name without your knowledge, consent, or authorization. For a resolution, you have requested the removal of this account from your credit report.
  At OppFi, we take all complaints seriously as we strive to provide exceptional service at every touchpoint. In response to the Complaint, we thoroughly researched the matter, and according to our records, you received two (2) loans from OppFi. One loan (the subject of this complaint) has been settled for less than the balance owed, while the other loan was refinanced by this current loan.
  Our records indicate that you received your most recent loan on July 26, 2019, in the amount of $1,500.00,which required a total of twenty (20) bi-weekly payments in the amount of $106.03 with the first payment due on August 2, 2019. The proceeds from this loan were distributed with $553.65 going to the bank account you indicated on your refinance application, and $946.35 was used to pay off your previous loan. You made four (4) successful payments, one (1) payment was returned due to insufficient funds, and one (1) payment was returned due to the bank account on file being closed. Your last successful payment was made on August 30, 2019.Due to nonpayment thereafter, OppFi began sending you emails regarding your account status. You never responded to those emails, and your account was charged-off on December 12, 2019, in the amount of $1,564.02.
  In the Complaint,you state that you have an unauthorized account with ******************** LOANS, which you have been unable to resolve. You further state that the account was opened in your name without your knowledge, consent, or authorization. A review of your loan indicates that a dispute was received on November 15, 2024, which alleged that your loan was obtained through identity theft. OppFis fraud team completed an investigation and found no evidence of identity theft with the disputed application. The investigation indicates that according to the included *** report, your name and phone number match those listed on your OppFi account.Furthermore, the phone number on file is registered in your name and you were associated with the address on file at the time of the application.Additionally, you had a prior approved application which bank verification was completed and confirms you as the bank account owner.  You also submitted a copy of your paystub at the time of the application that confirms your name and income. Further,OppLoans conducted a secondary review of your identity theft claim on April *******, and again concluded there was no evidence of fraud associated with this account.  As a result, you will remain liable for the repayment of the above reference loan subject to the terms of the loan agreement.
  Additionally, you acknowledged that you were aware of this loan when you contacted OppFi on August 21, 2020, to make an arrangement for your past due balance, you agreed to a settlement of $778.00 which had to be paid by September 20, 2020, and you made the first payment towards the settlement for $100.00. On June 23, 2021, you contacted OppFi to see how to make payments, and you also accepted a new settlement of $374.90 which must be paid by July 23, 2021. You then made the payment over the phone for the full settlement amount. It was advised this payment successfully settled your OppLoans installment loan. During those calls, you were required to secure the line by verifying a few pieces of personal identifying information. Without doing so, the representatives would not have been able to discuss the account with you. During those calls, you never disclosed that you were unaware of this debt, nor did you disclose that you were a victim of identity theft.
  Furthermore, OppFis credit reporting team has received fifteen (15) indirect disputes from you between November 11, 2019 and March 21, 2025, regarding a claim that the company will delete, a dispute that the account belongs to another individual with the same/similar name, a dispute regarding the Current Balance and/or Amount Past Due, a dispute regarding the present/previous Account Status/Payment Rating/Account History, a claim that the account is closed, and claims of true identity fraud, and the account being fraudulently opened. OppFis credit reporting team responded to all disputes reporting that all information had been found to be accurate. Your account was previously reported late due to the first delinquency on October 13, 2019. Your credit was then updated to charged off as of December 31, 2019. OppFi has confirmed that the account was updated to reflect Settled for Less than the Full Balance as of June 23, 2021.
  
  Please be advised that the Installment Loan Agreement and Disclosure Statement (The Agreement) was executed by you on July 25, ******* signing the Agreement, you acknowledged that you read, understood, and agreed to all the terms of the loan. The Agreement also includes a section titled "Credit Reports," which states that "You understand and agree that we may obtain credit reports on you on an ongoing basis until this Note is paid in full. You also understand that we may report your performance under this Note to credit reporting agencies. " By signing the Agreement,you acknowledge that you read, understood, and agreed to all the terms of the loan. In an effort to assist you, we have attached a copy of the Agreement to validate your debt.
  
  Regarding your requested resolution for the removal of this account from your credit report, we are unable to do so. OppFi is required by the Fair Credit Reporting Act to report accurate and complete information to credit bureaus unless we know or have reasonable cause to believe the information is inaccurate. In the present situation, we do not have such belief, and OppFis credit reporting team has confirmed with all three (3) credit bureaus that the account is being reported accurately. Additionally, as stated above, OppFis fraud team has found no evidence of fraud, and you are responsible for the loan. Therefore, we are unable to forgive the debt or remove this from your credit report as the information is accurate.
  We hope this resolves all concerns, but if you have additional questions, please reach out to OppFi at ************** or me directly at **************************************************************************.
  
  OppFi Complaints Management
  Opportunity Financial, LLC
  
  Enclosure:
  July 2019 Loan Agreement

• Initial Complaint

  Date:04/18/2025

  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 find this account to be incorporated with inaccurate information, I strongly believe this to be misleading and misrepresentation of my credit history.

  

  Business Response

  Date: 04/24/2025

  April 24,2025
  
  ******* ******
  ****************
  ********************
  RE:********
  LAI#********
  
  
  Dear ******* ******,
  
  This is the response of Opportunity Financial,LLC (OppFi) to the Better Business Bureau complaint referenced as ******** (the Complaint) made by you, ******* ****** on April 18, 2025. In the complaint, you stated that inaccurate information is being reported to your credit report. To resolve this issue, you have requested the removal of the loan from your credit report.
  
  ************ (*******) is a FDIC-insured, *******************. ******* Bank contracts with Opportunity Financial, LLC (OppFi) to offer small-dollar installment loans to consumers with less than perfect credit history. In this relationship,******* is the lender and OppFi is the technology provider. ******* originates the loan and provides funds to the consumer. OppFi is contracted to provide the application platform facilitating loan origination for FinWise, as well as services the loan on behalf of ******* after the origination.
  
  At OppFi, we take all complaints seriously as we strive to provide exceptional service at every touchpoint. In response to your complaint, we have thoroughly researched this matter. Our investigation has yielded the following facts: you received one (1) loan (the subject of this complaint) from ************ (FW)using the OppFi platform, which has an outstanding balance and has been written/charged off.  
  
  Our records indicate you secured your loan on January 18, 2019, in the amount of $1,400.00. This loan required a total of twenty (20) bi-weekly payments in the amount of $123.42, with the first payment due on February 1, 2019. You made six (6) successful payments, along with five (5)payments that were unsuccessful and returned due to insufficient funds. Your last successful payment was made on April 12, 2019, and due to nonpayment thereafter, OppFi began sending you emails regarding your account status. You never responded to those emails; therefore, your account was written/charged off on July 25, 2019, in the amount of $1,740.34.
  
  OppFis credit reporting team received four (4) indirect disputes from you between October 2020 and April 2025. Within those disputes, you disputed inaccurate information being reported, and this was not your debt. OppFi has confirmed that you were previously reported late due to the first delinquency as of May 26, 2019. Your credit was then updated to written/charged off as of July 31, 2019.Please be advised that OppFi has confirmed that you are accurately reported as written/charged off with a balance of $1,740.00, which is reflected with all bureaus.
  
  Additionally,due to your claim within your credit dispute stating that this was not your debt. This was sent to OppFis fraud team to investigate. OppFis fraud team investigated and found no evidence of fraud. To provide you with additional information, OppFis fraud team investigation indicates that the information that was used at the time of the application matches back to you, such as the name, address, email, and phone number. Additionally, the bank account on your ********************** account also matches back to you. As a result, you will remain liable for the repayment of the above-referenced loan, subject to the terms of the loan agreement.
  
  Further,per our review, you acknowledged that you were aware of your loan when contacting OppFi in February 2019. On those calls, you were required to secure the line by verifying a few pieces of personal identifying information. Without doing so,the representative would not have been able to discuss the account with you. On those calls, you discussed your payments and account status. You never disclosed that you were unaware of the debt, or that you did not take out these loans.
  
  Furthermore,to assist you, we have attached a copy of the Agreement as well as a copy of your loan amortization to validate your debt, which provides the following information: 
  -Current Balance
  -Total Payments
  -Principal Balance
  -Interest Balance
  -Fees Remaining 
  
  Regarding the requested resolution to remove the account from your credit report, we are unable to do so.  OppFi is required by the Fair Credit Reporting Act to report accurate and complete information to credit bureaus, and unless we know or have reasonable cause to believe the information is inaccurate, we cannot adjust such information.
  
  We hope this resolves all concerns, but if you have additional questions, please reach out to OppFi at ************** or me directly at *************************************************
  
  
  OppFi Complaints Management
  Opportunity Financial, LLC
  
  
  Enclosures:Loan Agreement
                      Payment History

• Initial Complaint

  Date:04/14/2025

  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.

  To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. COMPANY NAME: ***/****** ACCT #: ***. *********** $1,525.00/$1,000.00 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  

  Business Response

  Date: 04/17/2025

  April 17, 2025
  
  ********* ****
  10894 Tigerton Ln
  *********, NC *****  
  Re:BBB Complaint ********
  LAI:XXXX6837
  
  Dear ********* ****,
  This is the response of Opportunity Financial, LLC ("OppFi") to the complaint you submitted to the Better Business Bureau (BBB) on April 14, 2025, referenced as ******** (the Complaint). In the Complaint, you state that after reviewing your credit report, you found a number of items that are inaccurate. You have requested copies of the documents that were used to verify the accuracy of the account,and state that if unable to provide documentation, then you have requested to delete the account. Within your attachment you have also requested a complete account history. Furthermore, you state that publishing these inaccurate and unverified items on your credit report and distributing them to 3rd parties is damaging your reputation and credit worthiness.
  Please be advised that ********************** (******) is a Utah state-chartered bank with the ************************************* (****) as its primary federal banking regulator. Consequently, ****** is governed by both federal banking laws and the laws of the State of Utah. ****** contracts with OppFi to offer small-dollar installment loans to consumers. In this relationship, ****** is the lender and OppFi is the technology provider. OppFi is contracted to provide the application platform facilitating loan origination for ******, as well as services the loan on behalf of ****** after the origination.
  At OppFi, we take all complaints seriously as we strive to provide exceptional service at every touchpoint. In response to the Complaint, we thoroughly researched the matter,and according to our records, you received one (1) loan from ****** using the OppFi platform, (the subject of this Complaint), which has been written off.
  Our records indicate that you received your loan on May 30, 2023, in the amount of $1,000.00, which required a total of forty (40) weekly payments in the amount of $43.93 with the first payment due on June 7, 2023. You made two (2) successful payments, and seventeen (17) payments were returned due to insufficient funds. Your last successful payment was made on July 5, 2023. We have attached a copy of the detailed loan payment transaction history for review. Due to nonpayment thereafter, OppFi began sending you emails regarding your account status. You never responded to the account status emails therefore, your account was charged-off on October 17, 2023, in the amount of $1,525.83. Due to no further payments being received, your account was then placed with ********** collection agency on November 8, 2023. As of ******* 29, 2025, due to no further communication regarding your account status, your account was then placed with ******* (i.e., a collection agency) in order to collect on the outstanding balance that is due.
  In the Complaint, you state that after reviewing your credit report, you found a number of items that are inaccurate. OppFis credit reporting team received fifteen (15) indirect disputes between April 9, 2024, and June 24, 2024, regarding inaccurate information and a claim of true identity fraud, account fraudulently opened. OppFis credit reporting team responded to all disputes and found all the information to be accurate. On May 9, 2024, OppFis fraud department investigated your claim of identity theft and found no evidence of fraud. The investigation found that the name and address on the included documentation match those listed on the account. Additionally, the phone number on file is registered in your name and you were associated with the address on file at the time of the application. Furthermore, the email address on file is associated with you, the direct deposit going into the account is also listed under your name, and the investigation also found that you are the owner of the bank account on file. ****************************** conducted a secondary review of your identity theft claim on April *******, after receiving a copy of the included FTC report with your BBB Complaint and again concluded there was no evidence of identity theft. As a result, you will remain liable for the repayment of the above reference loan subject to the terms of the loan agreement.
  Your account was previously reported late due to the first delinquency on August 11, 2023. Your credit was then updated to charged off as of October 31, 2023. OppFi has confirmed that the account is currently being reported as charged off, with a balance of $1,525.00.
  In the Complaint, you have also requested copies of the documents used to verify the accuracy of the account and within your attachment, you have requested the contract or other instrument bearing your signature. Please note that you electronically signed the Promissory Note and Disclosure Statement (the "Agreement") on May 28, 2023, and accepted $1,000.00 on May 30, 2023. We understand you are requesting a wet signature, however due to it being an online application, the application was electronically signed. By signing the Agreement, you acknowledged that it accurately represented the terms of the loan and that you received a complete copy for your records. The Agreement also includes a section 15 titled "Credit Reports," which states that "You understand and agree that we may obtain credit reports on you on an ongoing basis until this Note is paid in full. You also understand that we may report your performance under this Note to credit reporting agencies. Late payments, missed payments, or other defaults on your loan may be reflected in your credit report." Per the Disclosures, under All Borrowers, it also outlines accounts with third parties. By signing the Agreement, you acknowledge that you read, understood, and agreed to all the terms of the loan. In an effort to assist you, we have attached a copy of the Agreement to validate your debt.
  Within your attachment, you mention a list of other companies.Please note, these companies are not associated with OppFi. We highly recommend contacting these companies directly to discuss this matter further. Additionally,we have noted that in your recent submission to the BBB, an attachment was provided which included a drivers license, social security card and mail. Upon review, it was observed that the individuals license, security card, and mail that was provided do not correspond to your identity. As a result, there is uncertainty regarding whether these documents were inadvertently included.
  You have also requested evidence of authorization for OppFi to do business in your state. You may use the following link to access our Rates and Terms page for all our pertinent licenses by clicking on a respective state you wish to review. *******************************************************.
  For a resolution, as stated above, a copy of the Agreement has been attached to validate your debt. Regarding your request to delete the account, we are unable to do so. OppFi is required by the Fair Credit Reporting Act to report accurate and complete information to credit bureaus unless we know or have reasonable cause to believe the information is inaccurate. In the present situation, we do not have such a belief and have confirmed that the reporting is accurate. Within your attachment you also state that you are not participating in the collection of this alleged debt and to cease and desist asap. We are unable to grant this request. By reading, signing, and receiving funds, it is apparent that you were made aware of the credit reporting that would take place regarding the performance of your loan.
  We hope this resolves all concerns, but if you have additional questions, please reach out to OppFi at ************** or me directly at **************************************************************************.
  
  OppFi Complaints Management
  Opportunity Financial, LLC
  
  Enclosures:
  Agreement
  Payment History

• Initial Complaint

  Date:04/14/2025

  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 formally dispute the account listed under account number FEB/OPPLNS - ***********, which appears on my credit report. This account was opened without my knowledge or authorization and is the result of fraudulent activity. I have no recollection of applying for or entering into any agreement with OPPLOANS/FEB.Pursuant to the Fair Debt Collection Practices Act (15 U.S.C. 1692g), I am requesting full validation of this alleged debt. To date, I have not received any documentationsuch as a signed agreementdemonstrating that I consented to or am legally responsible for this account. Without such evidence, there is no legitimate basis for this account to be associated with my name.Because this account was fraudulently established, I request its immediate removal from my credit report and that all collection efforts cease. If you are unable to provide the required validation within 30 days of receiving this notice, you are legally obligated to delete the account from all credit records and discontinue further collection activity.Please confirm receipt of this letter in writing and advise me of any next steps you intend to take to resolve this matter.

  

  Business Response

  Date: 04/23/2025

  April 23, 2025
  
  ***** ******  
  *****************************
  ********************
  
  Re:BBB Complaint ********
  LAI:XXXX1674
  
  Dear ***** ******,
  
  This is the response of Opportunity Financial, LLC ("OppFi") to the complaint you submitted to the Better Business Bureau (BBB) on April 13, 2025, referenced as ******** (the Complaint). In the Complaint, you state that you are disputing the account ending in 1674 that is shown on your credit report as the account was opened without your knowledge or authorization and is the result of fraudulent activity and fraudulently established. You have requested full validation of the debt, and state that to date, you have not received any documentation such as a signed agreement demonstrating that you consented to or am legally responsible for this account. For a resolution, you have requested the immediate removal of the debt from your credit report and for all collection efforts to cease.
  ********************* (***) is an ****-insured, *******************. FEB contracts with OppFi to offer small-dollar installment loans to consumers with less than perfect credit history. In this relationship, *** is the lender and OppFi is the technology provider. *** originates the loan and provides funds to the consumer. OppFi is contracted to provide the application platform facilitating loan origination for FEB, as well as services the loan on behalf of *** after the ************** an ****-insured, *******************, **** ********** regulators are the **** and Utah Department of Financial Institutions.
  At OppFi, we take all complaints seriously as we strive to provide exceptional service at every touchpoint. In response to the Complaint, we thoroughly researched the matter, and according to our records, you received one (1) loan from FEB using the OppFi platform (the subject of this Complaint) which has been written off.
  Our records indicate you received your loan on April 1, 2024, in the amount of $1,400.00, which required a total of forty (40)weekly payments in the amount of $66.09 with the first payment due on April *******. You made six (6) successful payments, and two (2) payments were returned due to your request that your bank stop the payments. Your last successful payment was made on May 17, 2024. Due to nonpayment thereafter, OppFi began sending you emails regarding your account status. You never responded to the account status emails therefore, your account was charged off on August 22, 2024, in the amount of $1,939.42. Due to no further payment being received, your account was then placed with ********** collection agency on September 25, 2024, in order to collect on the outstanding balance that is due.
  In the Complaint, you state that you are disputing the account ending in 1674 that is shown on your credit report as the account was opened without your knowledge or authorization and is the result of fraudulent activity and fraudulently established. A review of your loan indicates that a dispute was received on March 4, 2025, which alleged that your loan was obtained through identity theft. OppFis fraud team completed an investigation on March 4, 2025, and found no evidence of identity theft with the disputed application. The investigation indicates that per the documentation included, your name, address and phone number match the loan contract. You also uploaded images of your identification and social security card which show your name, address and social security number. This information matches with the loan contact and information on your account. Additionally,the investigation indicates that you are the owner of the bank account on ******* a result, you will remain liable for the repayment of the above reference loan subject to the terms of the loan agreement.
  
  Within your Complaint, you also assert that you have requested full validation of the debt, and state that to date, you have not received any documentation such as a signed agreement demonstrating that you consented to or are legally responsible for this account. ********************** has not received any request from you regarding providing any validation of debt until we received your BBB Complaint on April 13, 2025. Please be advised that the Promissory Note and Disclosure Statement (The Agreement) was executed by you on March 31, 2024. By signing the Agreement, you acknowledged that you read, understood, and agreed to all the terms of the loan. The Agreement also includes a section 15 titled "Credit Reports," which states that "You understand and agree that we may obtain credit reports on you on an ongoing basis until this Note is paid in full. You also understand that we may report your performance under this Note to credit reporting agencies. Late payments, missed payments, or other defaults on your loan may be reflected in your credit report." By signing the Agreement, you acknowledge that you read, understood, and agreed to all the terms of the loan. In an effort to assist you, we have attached a copy of the Agreement to validate your debt.
  
  Furthermore, OppFis credit reporting team has received four (4) indirect disputes from you between February 23, 2025, and March 18, 2025, regarding true identity fraud, and the account being fraudulently opened.OppFis credit reporting team responded to all disputes reporting that all information had been found to be accurate. Your account was previously reported late due to the first delinquency on June 23, 2024. Your credit was then updated to charged off as of August 31, 2024. OppFi has confirmed that the account is currently being reported as charged off, with a balance of $1,939.00.
  
  Regarding your requested resolution for the immediate removal of the debt from your credit report and for all collection efforts to cease, we are unable to do so. OppFi is required by the Fair Credit Reporting Act to report accurate and complete information to credit bureaus unless we know or have reasonable cause to believe the information is inaccurate. In the present situation, we do not have such belief, and OppFis credit reporting team has confirmed with all three (3) credit bureaus that the account is being reported accurately as charged off. Additionally, as stated above, OppFis fraud team has found no evidence of fraud, and you are responsible for the loan. Therefore, we are unable to forgive the debt or remove this from your credit report as the information is accurate. Furthermore, by reading, signing,and receiving funds, it is apparent that you were made aware of the credit reporting that would take place regarding the performance of your loan.
  We hope this resolves all concerns, but if you have additional questions, please reach out to OppFi at ************** or me directly at **************************************************************************.
  
  OppFi Complaints Management
  Opportunity Financial, LLC
  
  Enclosure:
  Loan Agreement

• Initial Complaint

  Date:04/09/2025

  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 asked to be placed on the do not call last and have received several calls since.

  

  Business Response

  Date: 04/14/2025

  April 14, 2025
  
  
  ***** *****
  *****************************;
  **************************;
  Re: BBB Complaint ********
  APP: XXXXXX2041
  Dear ***** *****,
  This is the response of Opportunity Financial, LLC ("OppFi") to the complaint you submitted to the Better Business Bureau (BBB) on April 10, 2025, referenced as ******** (the Complaint). In the Complaint, you state you are on the do not call list but have received several calls since your request.
  At OppFi, we take all complaints seriously as we strive to provide exceptional service at every touchpoint. In response to the Complaint, we understand that you are saying you received calls despite being listed on the Do Not Call list. We apologize for any inconvenience these calls may have caused. Please note our records show you were added to the Do Not Call list on April 9, 2025 and you will not receive any further calls after this date. 
  We hope this resolves all concerns, but if there are further questions, please feel free to contact us. 
  OppFi Complaints Management
  Opportunity Financial, LLC
  

• Initial Complaint

  Date:04/09/2025

  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.

  Opploans has been instructed to provide written verification of debt by mail as required by federal law on March 28th, 2025, and not call until provided. They have continued to hang up call and harass.

  

  Business Response

  Date: 04/16/2025

  April 16,2025
  
  ***** *******
  FL 32701
  RE:********
  LAI#********
  
  
  Dear ***** *******,
  
  We are in receipt of the complaint (********) you submitted to the Better Business Bureau on April 9, 2025.  In the complaint, you are requesting validation of debt.  For a resolution, you are requesting a refund, validation of debt and for OppFi to cease communication.
  
  ************ (*******) is a FDIC-insured, *******************. ******* Bank contracts with Opportunity Financial, LLC (OppFi) to offer small-dollar installment loans to consumers with less than perfect credit history. In this relationship, ******* is the lender and OppFi is the technology provider.******* originates the loan and provides funds to the consumer. OppFi is contracted to provide the application platform facilitating loan origination for *******, as well as services the loan on behalf of ******* after the origination.
  
  At OppFi, we take all complaints seriously, as we strive to provide exceptional service at every touchpoint. In response to your complaint, OppFi has thoroughly researched this matter. According to our records, you received a loan from ******* using the OppFi platform. The loan has been written off.
  
  You secured your loan on February 14, 2022, in the amount of $2,000.00,which required a total of twenty bi-weekly payments in the amount of $174.13,with the first payment due on February 25, 2022.  You made eighteen successful payments toward the loan and two unsuccessful payments.  The first unsuccessful payment was due to insufficient funds and the second unsuccessful payment was due to a stop payment being made by your bank.  The loan was written off on February 1, 2023,with an outstanding balance in the amount of $461.93.
  
  In your Complaint, you are disputing the debt. Please note that you signed the Promissory Note and Disclosure Statement (the "Agreement") on February 11, 2022, and accepted $2,000.00 on February 14, 2022. By signing the Agreement, you acknowledged that it accurately represented the terms of the loan and that you received a complete copy for your records. The Agreement also includes a section titled "Credit Reports," which states that "You understand and agree that we may obtain credit reports on you on an ongoing basis until this Note is paid in full. You also understand that we may report your performance under this Note to credit reporting agencies. Late payments, missed payments, or other defaults on your loan may be reflected in your credit report." By signing the Agreement, you acknowledge that you read, understood, and agreed to all the terms of the loan. In an effort to assist you, we have attached a copy of the Agreement as well as a copy of your loan amortization to validate your debt, which provides the following information:
  -Current Balance 
  - Total Payments 
  - Principal Balance 
  - Interest Balance 
  - Fees Remaining
  
  Regarding your requested resolution for a refund, validation of debt and for OppFi to cease communication.  As stated above, there is an outstanding balance in the amount of $461.93, therefore you will not receive a refund.   Regarding validation of debt, along with this response, OppFi has provided the loan agreement and the loans payment history. Regarding harassing calls, our records show that OppFi has not call you after march 28, 2025, however please be advised that OppFi has updated your contact preferences, and you will not receive any communication from OppFi,however please keep in mind that the loan still has an outstanding balance in the amount of $461.93.
  
  We hope this resolves all concerns, but if you have additional questions, please reach out to OppFi at ************** or me directly at *************************************************
  
  
  OppFi Complaints Management
  Opportunity Financial, LLC
  
  
  Enclosures:Loan Agreement
                      Payment History

• Initial Complaint

  Date:04/09/2025

  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.

  Re: Dispute of Account Number ********* Fraudulent Activity Dear *********** am writing to dispute the account listed under the reference number above on my credit report. This account was opened without my authorization, and I have no recollection of applying for or agreeing to any terms with FNWSE/OPPLNS. As a result, I believe it constitutes fraudulent *********** accordance with 15 USC 1692g (Validation of Debts), I am requesting that you provide verification of this debt or a copy of the judgment within 30 days of this notice. To date, I have not received any signed documentation or contract that proves I consented to this account. Without a valid, signed agreement, there is no legal basis for this account to be associated with my name.Since I believe this account was fraudulently established, I request its immediate removal from my credit report and ask that all collection activities related to this account cease. If you are unable to provide the necessary documentation within the 30-day period, you are required by law to remove the account from my credit file and stop any further collection attempts.Please confirm receipt of this letter, and inform me of the next steps to resolve this issue.

  

  Business Response

  Date: 04/14/2025

  April 14,2025
  
  ******* *****
  *****************************************
  *****************
  RE:********
  LAI#********
  
  
  Dear ******* *****,
  
  We are in receipt of the complaint (********) you submitted to the Better Business Bureau on April 9, 2025.  In the complaint, you are disputing the debt and request validation.
  
  ************ (*******) is a FDIC-insured, *******************. ******* Bank contracts with Opportunity Financial, LLC (OppFi) to offer small-dollar installment loans to consumers with less than perfect credit history. In this relationship, ******* is the lender and OppFi is the technology provider.******* originates the loan and provides funds to the consumer. OppFi is contracted to provide the application platform facilitating loan origination for *******, as well as services the loan on behalf of ******* after the origination.
  
  At OppFi, we take all complaints seriously, as we strive to provide exceptional service at every touchpoint. In response to your complaint, OppFi has thoroughly researched this matter. According to our records, you received five loans from ******* using the OppFi platform. The most recent loan has been written off.
  
  You secured your most recent loan on May 20, 2024, in the amount of $1,300.00,which required a total of eighteen semi-monthly payments in the amount of $124.37,with the first payment due on June 1, 2024.  The proceeds from this refinanced loan were distributed in two parts with $219.45 being deposited into the bank account you provided on your application and $1,080.55 was used to satisfy the previous loan.   You made the first scheduled payment successfully.  The following three payments were unsuccessful due to insufficient funds. The loan was written off on September 13, 2024, with an outstanding balance in the amount of $1,811.15.
  
  In your Complaint, you are disputing the debt. Please note that you signed the Promissory Note and Disclosure Statement (the "Agreement") on May 18, 2024, and accepted $1,300.00 on May 20, 2024. By signing the Agreement, you acknowledged that it accurately represented the terms of the loan and that you received a complete copy for your records. The Agreement also includes a section titled "Credit Reports," which states that "You understand and agree that we may obtain credit reports on you on an ongoing basis until this Note is paid in full. You also understand that we may report your performance under this Note to credit reporting agencies. Late payments, missed payments, or other defaults on your loan may be reflected in your credit report." By signing the Agreement, you acknowledge that you read, understood, and agreed to all the terms of the loan. In an effort to assist you, we have attached a copy of the Agreement as well as a copy of your loan amortization to validate your debt, which provides the following information:
  -Current Balance 
  - Total Payments 
  - Principal Balance 
  - Interest Balance 
  - Fees Remaining
  
  Please be advised that due to a block notification loan LAI-******** has been deleted from all three credit bureaus.  Due to the credit bureaus own policies and procedures, if the loan is still present on your credit report, you will need to contact the bureaus directly for bureau discrepancies.
  
  We hope this resolves all concerns, but if you have additional questions, please reach out to OppFi at ************** or me directly at *************************************************
  
  
  OppFi Complaints Management
  Opportunity Financial, LLC
  
  
  Enclosures:Loan Agreement
                      Payment History 

• Initial Complaint

  Date:04/08/2025

  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.

  This bank, opploan, is using usury practices with me in my request for a loan. They just refinanced a loan for me and the interest rate exceeds the amount allowable by law.

  

  Business Response

  Date: 04/16/2025

  April 16, 2025
  ******** *******
  ***********************************************************************************
  RE: BBB Complaint: ********
  To: ******** *******, 
  This is the response of Opportunity Financial, LLC ("OppFi") to the Better Business Bureau complaint referenced as ******** (the Complaint) made by you, ******** ******* on April 8, 2025. In the Complaint, you state that OppFi is using usury practices in your request for a loan and that the interest rate exceeds the amount allowable by law.  
  Please be advised that ********************** (CCBank) is a Utah state-chartered, **** insured bank, with the **** as its primary federal banking regulator. Consequently, ****** is governed by both federal banking laws and the laws of the State of Utah. ****** contracts with OppFi to offer small-dollar installment loans to consumers. In this relationship, ****** is the lender and OppFi is the technology provider. OppFi is contracted to provide the application platform facilitating loan origination for ******, as well as services the loan on behalf of ****** after the origination. OppFi does not purchase the loans nor is title to the loans ever transferred to OppFi.
  At OppFi, we take all complaints seriously as we strive to provide exceptional service at every touchpoint. In response to the Complaint, we have conducted a thorough investigation, and according to our records, you received three (3) loans from CCBank using the OppFi platform, and the current refinanced active loan (the subject of this complaint) has an outstanding balance. 
  You secured your loan on April 8, 2025, in the amount of $2,500.00, which required a total of ten (10) monthly payments in the amount of $486.71, with the first payment due on May 3, 2025. No payments have been received as of this date for this refinanced loan. You made two successful payments in the amount of $448.16 on the previous loan before refinancing your current loan. 
  In the Complaint, you state that the interest rate is too high. Please be advised that OppFi provides outsourced services to CCBank in order for CCBank to offer small-dollar installment loans to consumers with less than perfect credit history. ****** markets the loans to potential consumers through OppFis technology platform, and CCBank then outsources the servicing function to OppFi. To be clear, ****** contracts with New Jersey consumers as the lender. It originates and funds the loans. OppFi does not provide or originate consumer loans in **********, nor does it contract with New Jersey consumers. Moreover, under Section 27 of the Federal Deposit Act, a state-chartered, federally insured bank, such as ******, is authorized to impose finance charges under the governance of the usury laws of the state where the bank is located. 12 U.S.C. 1831d. This federal statute expressly preempts any State constitution or statute that sets forth state usury laws prohibiting an interest rate allowed by the state in which the state-chartered, federally insured bank is located. Hence, all loans originated by *** and serviced by OppFi in the State of ********** are allowable by all pertinent statutes.  
  Additionally, you accepted the $2,500.00 loan on April 8, 2025, and by signing the Promissory Note and Disclosure Statement (the Agreement) that includes Federal Truth in Lending Disclosures (inclusive of the APR), you acknowledged that the Agreement correctly reflected the terms of the loan and that you received a complete copy of the Agreement for your records. By signing the Agreement, you acknowledged that you read, understood, and agreed to all the terms of the loan. A copy of the agreement is attached hereto.
  Additionally, please be advised that your loan incurs daily interest, which may increase your balance daily. However, it's important to note that all the interest you are scheduled to pay has been pre-calculated and equally distributed among the ten (10) monthly payments outlined in your agreement. Kindly note that missed payments will cause your loan to accrue additional interest and extend past the original maturity date. We understand that in the Complaint, you stated that you are unable to continue to afford the monthly payment agreement. OppFi does provide a range of borrower assistance and hardship programs. If you are currently experiencing financial difficulty and are unable to make your payments, we require the completion of the Hardship Request form to determine your eligibility and to help us understand which program would best suit your needs. Per company policy we are unable to accept hardship requests via email, we kindly request you to contact us at ************ to discuss your account further. This will allow us to assess your circumstances in more detail and guide you through the options available.
  The finance charge for the loan is prominently shown in the Truth-In-Lending Statement found on the first page of the Agreement, and assuming you reviewed the agreement prior to signing it, we can only conclude that you were aware of the interest charges prior to the funds being deposited in your account.  We do recommend that you contact us directly to discuss other payment options. 
  We hope this resolves all concerns, but if you have additional questions, please reach out to OppFi at ************* or me directly at **************************************************************************. 
  
  Sincerely, 
  OppFi Complaints Management
  OppFi, LLC