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:12/21/2023

  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 is my 3rd and final letter to about OppLoans violating my privacy and ignoring mt other 2 requested to opt out. If this demand is ignored, I will seek legal and monetary remedy

  

  Business Response

  Date: 12/28/2023

  December 28, 2023
  
  
  Re: BBB Complaint: 21041877
  
  We are in receipt of the complaint that ***************** submitted to the Better Business Bureau (BBB). This is the fourth complaint from you, stating that Opportunity Financial, LLC (OppFi) is sharing your personal information without your consent to the credit reporting bureaus. As a resolution, ****** West, you are requesting a correction be made to your credit report.
  
  As stated above this is your fourth complaint regarding your information being shared with the credit reporting bureaus.  Please find below a reiteration of our response to your previous complaints.
  
  ****** West, you assert that OppFi is in violation of 15 USC **** by not allowing you the option to opt out of your information being shared to the credit reporting bureaus. Please be advised that 15 USC **** states that financial institutions may not disclose NPI to a nonaffiliated third-party without the proper notice/disclosure regarding sharing and opt-outs. However, OppFi provided that notice and disclosure in your loan application.  Specifically, the notice and disclosure found in the application states:  "I agree to the OppLoans' Terms of Use, OppLoans ********** Disclosures and Privacy Policy, and ***************** Bank's Privacy Policy.  Hyperlinks were provided to all respective policies in said notice and disclosure.  Further, OppFis website states that any use of OppFis website is subject to its Terms of Use and Privacy Policy.  Consequently, OppFi provided all pertinent privacy policies/notices to you to show the sharing that would take place.  A copy of the privacy policy that you provided consent to by submitting your application and using OppFis website is attached hereto.  This policy shows the types of sharing that would take place as well as the type of sharing that you can limit (i.e., sharing for marketing purposes).
  Regarding your request for OppFi to make a correction to your credit report, OppFi cannot accommodate this request.  In paragraph fifteen of your loan agreement, it states that: "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 on your credit report."  Hence, by you reading, signing, and receiving funds, it is apparent that you were aware of the credit reporting that would take place regarding the performance of your loan. Further, OppFi is required by the Fair Credit Reporting Act to report accurate and complete information to the credit bureaus unless we know or have reasonable cause to believe the information is inaccurate, and in this situation, OppFi has verified that all report information is accurate and reported as such.  Moreover, ****** West, you cannot opt-out of this type of sharing. If you would like to limit other types of sharing beyond information being reported to the credit bureaus,we encourage you to review OppFis privacy policy and contact us.
  We hope this resolves all your concerns, but if there are additional questions, please reach out to OppFi at ************** or me directly at *********************************.
  
  Sincerely,
          ***********************
          Regulatory Complaints Associate
          Opportunity Financial, LLC
  
  
  
  
  
  
  
  
  
  
  
  

  Customer Answer

  Date: 12/28/2023

   
  Complaint: 21041877
  
  I am rejecting this response because: OppFi obviously is not familiar with the **** ON DISCLOSURE. Pursuant 15 US Code 6802(b)(1)(B) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and (C) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Which were not provided prior. The attachment they provided is dated 12/01/2023 which has nothing to do with the alleged debt.  I will be using reach response in court, while seeking monetary compensation FOR THE CONTINUOUS VIOLATION.
  
  Sincerely,
  
  ****** West

  

  Business Response

  Date: 12/29/2023

  December 29, 2023
  
  Re: BBB Complaint ********
  This is the response of Opportunity Financial (OppFi) to the Better Business Bureau regarding a rejection to our response on complaint #******** made by ***************** on December 28, 2023. In the Complaint, ****** West, you state that you were not provided disclosures prior to receiving the loan.
  As stated in previous responses, OppFi provided that notice and disclosure in your loan application (prior to receiving the loan). Specifically, the notice and disclosure found in the application states:  "I agree to the OppLoans' Terms of Use, OppLoans ********** Disclosures and Privacy Policy, and ***************** Bank's Privacy Policy. Hyperlinks were provided to all respective policies in said notice and disclosure. Further, OppFis website states that any use of OppFis website is subject to its Terms of Use and Privacy Policy. Consequently, OppFi provided all pertinent privacy policies/notices to you to show the sharing that would take place. This policy shows the types of sharing that would take place as well as the type of sharing that you can limit (i.e., sharing for marketing purposes).
  Also stated in previous responses, in paragraph fifteen of your loan agreement, it states that: "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 on your credit report."  Hence,by you reading, signing, and receiving funds, it is apparent that you were aware of the credit reporting that would take place regarding the performance of your loan.  You cannot opt-out of this type of sharing.
  We truly hope the above final explanation resonates and resolves all concerns, but if by chance there are additional questions, please reach out to me at *********************************. 
  
  Sincerely,
  ***********************
  Regulatory Complaints Associate
  Opportunity Financial, LLC
  
  
  
  

  Customer Answer

  Date: 01/03/2024

   
  Complaint: 21041877
  
  I am rejecting this response because: OppFi continues to violate the law and chooses to disclose my private information even after 4 attempts to OPT OUT. I will be filling for legal penalties and  monetary compensation
  
  Sincerely,
  
  ****** West

• Initial Complaint

  Date:12/19/2023

  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 is my dispute and complaint to OPPLOANS/CC BANK. This company is still reporting accounts on my behalf that do not belong to me or should not be reporting on my credit report. I NEVER gave written permission to report any of this information. That is defamation of character. Account:CCB/OPPLNS - Account #***********They are in violation Under USC 15 Code ****b - Permissible purpose. They are also in violation in multiple other consumer laws I refuse to be taken advantage of. There is not any legal way to prove this account belongs to me. Do you have video of me signing up for you company??? Or a Wet Ink signature with me??? No.. this account does not belong to me and you guys have a random address reporting to my account. REMOVE THIS ACCOUNT FROM MY CREDIT REPORT ASAP. I WILL NOT LET UP UNTIL IT IS DONE. I AM FILING WITH CFPB, BBB and Attorney General of my state to document communication. I am not looking for a fight but for you to ********** this matter and remove this from my credit reports. Thank you.

  

  Business Response

  Date: 12/27/2023

  December 27, 2023
  
  Re: BBB Complaint: ********
  
  Dear *************************************,
  This is the response of Opportunity Financial,LLC ("OppFi") to the Better Business Bureau complaint referenced as ******** (the Complaint) made on December 19, 2023. In the Complaint, you assert that you still have accounts reporting on your credit in addition to a random address that does not belong to you or should not be reporting on your credit report. You state you never gave written permission to report any of this information, and it is defamation of character. You also assert that OppFi/Capital ************** (CCBank) are in violation Under USC 15 Code ****b - Permissible purpose in addition to other multiple consumer laws. You state there is no legal way to prove this account belongs to you and have requested a video of you signing or a Wet Ink signature from you. For a resolution, you have requested to remove this account from your credit report asap.
  Please be advised that CCBank is a **** state-chartered bank with the ************************************* (FDIC) as its primary federal banking regulator. Consequently, CCBank is governed by both federal banking laws and the laws of the *************. CCBank contracts with OppFi to offer small-dollar installment loans to consumers. In this relationship, CCBank is the lender and OppFi is the technology provider. OppFi is contracted to provide the application platform facilitating loan origination for CCBank, as well as services the loan on behalf of CCBank 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 CCBank using the OppFi platform (the subject of this Complaint), which has been written off.
  Our records indicate you received your loan on January 4, 2022, in the amount of $2,000.00 which required a total of twenty (20)bi-weekly payments in the amount of $172.67, with the first payment due on January 13, 2022. You made one (1) successful payment on April 7, 2022, and one (1)payment was returned on January 19, 2022, due to no account/unable to locate account. Due to nonpayment thereafter, OppFi began sending you emails regarding your account status. You never responded to the account status emails therefore, OppFi began sending you settlement emails. You never responded to those emails, and your account was charged off on July 20, 2022, in the amount of $2,590.51.
  On August 10, 2022, you accepted a settlement offer via the OppFi portal, which stated that the account was 111 days past due with a remaining balance at that time of $2,590.51, and you agreed to settle the account for $1,423.46, which must be paid in full by September 9, 2022. An email was sent the same day to outline the settlement agreement. Within that email, it outlined that when the agreed upon amount has been satisfied, your account will be reported to the credit reporting agencies as settled for less than the full amount and may impact your overall credit standing.
  On September 10, 2022, an email was sent to your attention which advised that based on your settlement agreement of $1,423.46 due September 9, 2022, you have paid $0.00 to date. Therefore, the requirements of your Settlement Agreement Offer were not satisfied, and the settlement agreement has been canceled. Furthermore, your account will continue to be reported to the credit reporting agencies as delinquent. Due to no further payments being received, your account was then placed with *********** collection agency on October 25, 2022. As of December 4, 2023, due to no further communication regarding your account status, your account was then placed with *********** in order to collect on the outstanding balance that is due.
  In the Complaint, you assert that you still have accounts reporting on your credit that do not belong to you or should not be reporting on your credit report. OppFis credit reporting team received eleven (11) indirect disputes between April 2023 and December 2023 regarding inaccurate information, a claim that you paid the original creditor before collection status / paid before charge-off, a claim that the account is not yours, and also disputes regarding the Date Opened, Date of Last Payment and/or Date Closed, and a Special Comment Code and/or Narrative Remarks. Please be advised that OppFi found all information was accurate in the disputes and they were responded to by OppFis credit reporting team. OppFis credit reporting team has also verified that you are currently being reported as charged-off with a balance of $2,590.00, and this is accurately reflected with all bureaus. You were previously reported late as of May 31, 2022, due to you missing your April 21, 2022, payment. 
  Additionally, you acknowledged that you were aware and that you owed this debt during calls with OppFi between January of 2022 and May 4, 2022. During these calls, you discussed the loan application process and a funding delay due to incorrect bank account information. You also called to discuss payment options and on May 4, 2022, you called to say you had a couple of late payments and asked if making payments now would remove the late reporting. The representative advised the payments made would update the account to current,however, the account was past due again.
  On these 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. During these calls, you did not dispute that this debt belonged to you.
  In the Complaint, you state that you still have accounts reporting on your credit that do not belong to you in addition to a random address that should not be reporting on your credit report. Regarding the random address, please be aware that we report the address as it is reflected on your customer profile at the time we generate our credit reporting file. If you have further questions or concerns, please contact each credit bureau directly.
  Regarding your claim that there is no legal way to prove this account belongs to you, and your request for a video of you signing or a Wet Ink signature from you, due to it being an online application,the application was electronically signed. Please be advised that the Installment Loan Agreement Promissory Note and Disclosure Statement (The Agreement) was electronically executed by you on January 3, 2022. By signing the Agreement, you acknowledged that you read, understood, and agreed to all the terms of the loan. The Agreement is attached hereto.
  Furthermore, regarding your claim that you never gave written permission to report any of this information and OppFi is in violation Under USC 15 Code ****b - Permissible purpose, per the Agreement under the section labeled as Credit Reports, it 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 you signing the Agreement, you acknowledged that you read, understood, and agreed to all the terms of the loan.
  OppFis fraud team has also done an initial investigation as you stated this account does not belong to you and has concluded that there was no evidence of possible identity theft. However, if you have any additional information to provide such as an FTC or police report completed by your local police department with OppFi identified in it, you may send that along with any supporting information, including but not limited to:
  How and when you became aware of the suspected fraud;
  If the loan proceeds were deposited into an account to which you are an authorized signer or to which you have access;
  The names and addresses of any other co-owners or authorized signers on the bank account where the funds were deposited;
  Any information you have regarding the recipient(s) of the loan proceeds;
  The time frame in which the fraudulent activity may have occurred; and
  The names of any other lenders or financial institutions you believe were also defrauded, as they may also request these pieces of information during their investigation process.
  Additionally, if you believe you are a victim of identity theft, we advise you to contact the credit reporting agencies and take appropriate steps to protect your identity and credit information.
  Please provide the requested documentation to ******************************** within 60 days from the date indicated in this letter. At OppFi, we go to great lengths to ensure a transparent and customer-focused experience. If you have further questions or concerns, please contact us at *************.
  Regarding the requested resolution to remove this account from your credit report asap, we are unable to do so. As it stands right now, the reporting is accurate, and without any further documentation such as the aforementioned police or FTC report, 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 case, we cannot reasonably have such belief. Therefore,we are unable to remove this account from your credit report as OppFi has not been provided any evidence to the contrary.
  We hope this resolves all concerns, but if you have additional questions, please reach out to OppFi at ************** or me directly at **********************************.
  ****************************************
  Regulatory Complaints Analyst
  Opportunity Financial, LLC

• Initial Complaint

  Date:12/18/2023

  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 was sent a notice that said per my request my account was closed and I have not made any request to close my account. After calling the company they informed me that the entire department was shutting down and they closed out my account due to that without any kind of notice And when I informed them that I had payments coming off of that card today, their response was theres nothing that they can do.

  

  Business Response

  Date: 12/28/2023

  December 28, 2023
  Re: BBB Complaint: ********
  To whom it may concern:
  This is the response of Opportunity Financial, LLC (OppFi) to the Better Business Bureau complaint referenced as ******** (the Complaint) made by *************************** on December 15, 2023. In the Complaint, ****************** stated that his account was closed per his request, and it was done so without notice or concern for recent payments applied to their account on December 15, 2023.
  At OppFi, we take all complaints seriously, as we strive to provide exceptional service at every touchpoint.
  In response to the Complaint, OppFi has conducted a thorough investigation and according to our records on December 15, 2023, OppFi informed ******************, that their account was closed due to OppFi and First Electronic Banks decision to discontinue the OppFi credit card program. On December 15, 2023,OppFi provided ****************** with details surrounding the credit card programs closure that impacted their account such as; no further payments being due and any outstanding balance will be forgiven at the time of closure. On December 15, 2023, ****************** had an outstanding balance of $472.93, which OppFi waived and reduced the amount owed to $0.00. After this review OppFi has concluded that ****************** will not be receiving a refund for payments made to their account.
  
  We hope this resolves Mr. ******** concern, but if there are additional questions, please reach out to OppFi at ************** or to me directly at **********************************.
  Sincerely,
  ***************************
  Customer Solutions Manager
  **********************
  

• Initial Complaint

  Date:12/14/2023

  Type:Customer Service 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.

  Asked over ********************************************************************************************* when I ask them to stop

  

  Business Response

  Date: 12/15/2023

  December 15, 2023
  
  RE: BBB Complaint ID; ********
  
  Dear ***************************************,
  
  We appreciate you reaching out to OppFi. We've received your complaint through the Better Business Bureau dated December 14,2023, and would like to take this opportunity to address your concerns. We understand that you are stating you have been asked to be removed from the call list, but you continue to receive calls. However, despite conducting an extensive review,we couldn't locate any account connected to the details you provided. If you would like us to investigate further, please share the mailing address, phone number,or email address associated with the loan in question. We'll provide you with accurate information once we have the necessary details from you.
  
  
  **********************************************
  Regulatory Complaints Analyst
  Opportunity Financial, LLC
  

• Initial Complaint

  Date:12/11/2023

  Type:Service or Repair Issues
  Status:

  ResolvedMore 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.

  OppFi sent an email detailing specifically the overcharge(s) on my account and that I would be receiving a check through the mail. I am very thankful that they found the mistake and notified me their concerns. Since November 3,2023, I have contacted the company through email for further information concerning the check that was mailed out on November 10, 2023. It is now December 12, 2023 and I have yet to receive any payment. Normally when I reach out, the company responds quickly(within 2hrs ***** however my last two attempts to reach have been ignored.

  

  Business Response

  Date: 12/20/2023

  December 20, 2023
  Re: BBB Complaint: ********
  To whom it may concern:
  This is the response of Opportunity Financial, LLC (OppFi) to the Better Business Bureau complaint referenced as ******** (the Complaint) made by ********************************* on December 11, 2023. In the Complaint, ******************** asserts that OppFi has not reissued a refund check in the amount of $809.95 that was mailed out on November 10, 2023.
  At OppFi, we take all complaints seriously, as we strive to provide exceptional service at every touchpoint. 
  In response to the Complaint, OppFi has conducted a thorough investigation and according to our records on November 10, 2023 OppFi mailed a check to the address on file for Ms. ********* account and the check was not returned to OppFi as undeliverable. OppFi verified that ******************** did update her address on file. Additionally, OppFi has verified the initial check sent to ******************** was not cashed and processed a stop payment on the initial check. On December 14, 2023, OppFi mailed a new check to ******************** in the amount of  $809.95 to the updated address on file. The check will be delivered through the ************* ************** and delivery will depend on ************** timeframes.
  We hope this resolves Ms. ********* concern, but if there are additional questions, please reach out to OppFi at ************** or to me directly at **********************************.
  Sincerely,
  ***************************
  Business Process Engineering Manager
  Opportunity Financial, LLC
  

  Customer Answer

  Date: 12/21/2023

   
  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. However, as of today December 21,2023, I have yet to receive a check in the mail. 
  
  Sincerely,
  
  *********************************

• Initial Complaint

  Date:12/10/2023

  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.

  FNWSE/OPPLNS Installment account with account #*********** opened on 07/09/2021 and a balance of $2,270.This account was charged off and I no longer owe money to this creditor but its still showing a balance due.Please reinvestigate these matters and delete information as soon as possible

  

  Business Response

  Date: 12/14/2023

  December 14, 2023
  
  Re: BBB Complaint ********
  
  This is the response of Opportunity Financial, LLC ("OppFi") to the Better Business Bureau complaint referenced as ******** made by ***************************** on December 11, 2023. In the complaint, *****************************, you assert that the loan was charged-off and you no longer owe the loan, however a balance is still showing on your credit report.  For resolution, you are requesting a correction to your credit report.
  ************ (FinWise) is a ****-insured, **** chartered bank. ************ contracts with Opportunity Financial, LLC (OppFi) to offer small-dollar installment loans to consumers with less than perfect credit history. In this relationship,FinWise is the lender and OppFi is the technology provider. FinWise 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 FinWise after the origination. As a ****-insured, **** chartered bank, ******************* regulators are the **** and **** Department of Financial Institutions (UDFI).
  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 ************ (FW)using the OppFi platform (the subject of this complaint), the loan is written-off. 
  *****************************, you received your loan on July 9, 2021, in the amount of $1,700.00 which required a total of twenty (20) bi-weekly payments in the amount of $145.53, with the first payment due on July 16, 2021.  Your first two scheduled payments were made successfully,due to you revoking your ACH on August 1, 2021, no other payments were made towards the loan.  The loan was written-off on November 11, 2021, with an outstanding balance in the amount of $2,270.76.
  OppFis credit reporting team has confirmed that due to missing your August 13, 2021, payment, the account became delinquent as of September 12, 2021. Your account was reported late to the credit bureaus as of September 30,2021.  OppFis policy is to write off an account after ninety (90) days of insufficient payment.  As a result of this policy, your account was written off/charged off on November 11, 2021.  *****************************, your account accurately reflects as written/charged-off with a balance of $2,270.00.  This is reflected with all credit bureaus.   
  Regarding your requested resolution to have your credit report corrected, we have confirmed the reporting is accurate. OppFi is required by the Fair Credit Reporting Act to report accurate and complete information to credit bureaus and to not adjust such information unless we know or have reasonable cause to believe the information is inaccurate.
  We hope this resolves all your concerns, but if there are additional questions, please reach out to OppFi at ************** or me directly at *********************************.
  
  Sincerely,
  ***********************
  Regulatory Complaints Associate
  Opportunity Financial, LLC
  
  
  
  
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:12/09/2023

  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.

  Applied for a loan with OppLoans and each time Ive called for a status update, Im told I would hear back from them within 24 hours, as my application was still under review. A couple of days would pass without hearing back from them, so I would call to get an update and was told I would receive an update within 2-5 business days, but would never hear back. I recently applied again and Im having the same issue.

  

  Business Response

  Date: 12/12/2023

  December 12, 2023

  
  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 December 9, 2023. In the Complaint, you state that you applied for a loan with OppFi, and each time you call you are not provided with a status regarding your application. For resolution, you have requested for OppFi to finish the job.

  
  ************ (FinWise) is a ****-insured, **** chartered bank. ************ contracts with Opportunity Financial, LLC (OppFi) to offer small-dollar installment loans to consumers with less than perfect credit history. In this relationship, FinWise is the lender and OppFi is the technology provider. FinWise 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 FinWise after the origination. As a ****-insured, **** chartered bank, ******************* regulators are the **** and **** Department of Financial Institutions (UDFI).

  
  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 applied for the loan on December 8, 2023. You contacted OppFi on December 9,2023, requesting a status update regarding your application, and you were advised your application was under review and to monitor your emails.

  
  In your complaint, you stated that you applied for a loan and each time you called you were never advised of the status of your application. Please be advised that we only show you contacting OppFi once on December 9, 2023, regarding the status of your application. We have reviewed your application to better address your concerns regarding the status of your application. As a company, we strive to be transparent and honest with our customers, and we apologize for any inconvenience or confusion you may have experienced during the application process. To ensure a smooth and efficient process, we require all customers to submit all necessary documents and credit information,as well as sign a loan contract with proposed loan terms. However, please note that signing the contract does not guarantee loan approval. Our underwriting team will thoroughly evaluate your information and verify your identity and credit information to ensure that you meet our pre-established criteria. This involves verifying your identity and credit information, as well as fulfilling the following requirements: (i) being a U.S. citizen or permanent resident; (ii)being 18 years old; (iii) residing in a state where OppLoans operates; (iv)having direct deposit for your income source; (v) having a verified income that supports your ability to repay; and (vi) meeting our verification standards.

  
  Unfortunately, after reviewing your application,we were unable to approve your loan request. We understand this may be disappointing news, and we apologize for any inconvenience this may have caused you. Please reference our email labeled Notice of Adverse Action for additional information as to why you were denied. You will be receiving this email within 30 days of our application decision. This will allow you to address the specific reason you are being denied, correct it, and potentially be approved in the future. We again apologize for any inconvenience caused to you by the application process.

  
  We hope this resolves your concern, but if there are additional questions, please reach out to OppFi at ************** or to me directly at ***********************************.
  
  Sincerely, 
  
  *****************************
  Senior Regulatory Complaints Associate
  Opportunity Financial, LLC

  Customer Answer

  Date: 12/12/2023

   
  Complaint: 20984124
  
  I am rejecting this response because:
  If you review my previous loan history, you will see that I have applied several times without being provided a response as to whether or not I was approved. Yes, the most recent loan request was 12/8/23, with a call placed to OppLoans on 12/9/23, but as previously stated, my loan history shows the lack of responses I have received from this company. When I applied this time, it had been several months since *** applied, with the hopes that the communication had improved. However I see nothing has changed. It wasnt until I submitted my complaint did I receive a response. 
  Sincerely,
  
  *************************

  

  Business Response

  Date: 12/14/2023

  December 14, 2023
  
  Re: BBB Complaint: ********
  
  Dear *************************,
  This is the response of Opportunity Financial,LLC ("OppFi") to the Better Business Bureau regarding a rejection to our response on Complaint referenced as ******** (the Complaint) made on December 9, 2023. In the rejection, you state that your most recent loan request was on December 8, 2023, but you have applied several times prior without being provided a response as to whether or not you were approved.
  ************ (FinWise) is a ****-insured, **** chartered bank. FinWise contracts with OppFi to offer small-dollar installment loans to consumers with less than perfect credit history. In this relationship,FinWise is the lender and OppFi is the technology provider. FinWise 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 FinWise after the origination. As a ****-insured, **** chartered bank, ******************* regulators are the **** and **** Department of Financial Institutions (UDFI).
  At OppFi, we take all complaints seriously as we strive to provide exceptional service at every touchpoint. In response to the rejection,we understand that you have applied several times and state that you have not been provided with a response as to whether or not you were approved.
  In our previous response, we advised that according to our records, you applied for a loan on December 8, 2023. You contacted OppFi on December 9, 2023, requesting a status update regarding your application, and you were advised your application was under review and to monitor your emails.
  In an effort to assist you, we have conducted a thorough investigation and according to our records, you applied for five (5)loans between January 8, 2022, and December 8, 2023. We received a loan application ending in ******** on January 8, 2022, application ending in ******** on April 30, 2022, application ending in ******** on May 31, 2022,application ending in ******** on August 27, 2022, and the most recent application ending in ******** on December 8, 2023. We were unable to move forward with these applications. Please be advised that we are required to send a Notice of Adverse Action within 30 days of our application decision if we are unable to move forward with your application, and can confirm these notices were sent on January 20, 2022, May 13, 2022, June 13, 2022, and September 9,2022. You will receive another Notice of Adverse Action within 30 days of our application decision for your most recent application.
  For additional information, please reference the detailed emails labeled Notice of Adverse Action that were sent within 30 days of each denial. The notices provide specific information relating to the decisions. This will allow you to address the specific reason you are being denied, correct it, and potentially be approved in the future.
  As previously advised, unfortunately, after reviewing your most recent application, we were unable to approve your loan request. We understand this may be disappointing news, and we again apologize for any inconvenience caused to you by the application process.
  We hope this resolves all concerns, but if you have additional questions, please reach out to OppFi at ************** or me directly at **********************************.
  ****************************************
  Regulatory Complaints Analyst
  Opportunity Financial, LLC, 

  Customer Answer

  Date: 12/16/2023

   
  Complaint: 20984124
  
  I am rejecting this response because:
  None of the said notices were sent to me - its odd that I only received spam emails about referrals after the initial email from me applying for the loan but none of the so called notice of adverse actions emails are received..they were never sent to me. I understand youre trying to save face, but the fact of the matter is your communication is lacking. If those letters are still in your system, Id like them forwarded to the same email youre sending the referral emails to. If they were previously sent to me, I wouldnt have wasted my time reapplying. 
  Sincerely,
  
  *************************

• Initial Complaint

  Date:12/05/2023

  Type:Customer Service 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 Opploans/FEB. They did not provide me with the original contract bearing my signature as I requested.

  Customer Answer

  Date: 12/05/2023

  
  I have asked this company numerous times via mail to validate this debt with the original contract, they have failed to do so. I need the debt validated with the original contract with my wet signature. 
  

  The account appears on my credit reports with a balance of $1,309. 
  
  If a contract cant be provided, please delete it. 

  

  Business Response

  Date: 12/14/2023

  December 14, 2023
  
  Re: BBB Complaint: ********
  
  To Whom it may concern,
  
  This is the response of Opportunity Financial (OppFi) to the Better Business Bureau complaint #******** made by ******* May on December 5,2023.  In the complaint, ******* May, you assert that you are not liable for this debt.  For resolution, you have requested the account deleted 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 one loan from ********************* (FEB) using the OppFi platform.  The loan is currently written off with an outstanding balance.     
  ******* May, you obtained your loan on April 26, 2022, in the amount of $1,000.00 which required a total of twenty bi-weekly payments in the amount of $88.16, with the first payment due on May 10,2022.  ******* May, you made four successful payments towards the loan and two unsuccessful payments due to insufficient funds.  The last successful payment received towards the loan was on June 21, 2022.  The loan was written off on October 3, 2022.
  OppFis credit reporting team received eighteen indirect disputes from you between October 2022 and December 2023, in these disputes, ******* May, you state the account does not belong to you, inaccurate information is being reported and you are claiming identity theft. Please be advised that OppFis credit reporting team responded to each dispute and found all information to be accurate.  You missed your payment due on July 5, 2022,and became delinquent as of August 4, 2022. OppFis credit reporting team also has verified that you are currently being reported as written off/charged off with a balance of $1,309.00 and this is accurately reflected with all credit bureaus. Regarding your identity theft claim, OppFis fraud department investigated, and concluded the information provided on the loan application matches back to you.  Therefore, no evidence of fraud was found. 
  In the complaint, you assert that you are not liable for the debt, and you want the account deleted from your credit file. The Installment Loan Agreement Promissory Note and Disclosure Statement (The Agreement) was executed by you on April 25, 2022. By signing the Agreement, you acknowledged that you read, understood, and agreed to all the terms of the loan.
  Regarding your requested resolution to delete the account from your credit report, unfortunately we are unable to do so, OppFis fraud department investigated your claim of identity theft, and no evidence of fraud was found.  Furthermore, 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. Therefore, the account will not be deleted from your credit report.
  We hope this resolves all your concerns, but if there are additional questions,please reach out to OppFi at ************** or me directly at *********************************.
  
  Sincerely,
  ***********************
  Regulatory Complaints Associate
  Opportunity Financial, LLC
  
  
  
  
  
  
  
  
  
  
  
  

  Customer Answer

  Date: 12/16/2023

   
  Complaint: 20959642
  
  I am rejecting this response because:

  I have no knowledge of what you are speaking of in your response. Please provide an original contract bearing my WET signature, otherwise your contract is invalid and unlawful. Not providing the original contract with my wet signature is in violation of my consumer rights. I demand this account be deleted from ALL of my consumer credit reports. 
  
  Sincerely,
  
  ******* May

  

  Business Response

  Date: 12/19/2023

  December 19, 2023
  
  Re: BBB Complaint: ********
  
  Dear ******* May,
  This is the response of Opportunity Financial,LLC ("OppFi") to the Better Business Bureau regarding a rejection to our response on Complaint referenced as ******** (the Complaint) made on December 5, 2023. In the rejection, you state that you have no knowledge of what is referenced in our response and have requested to receive an original contract bearing your wet signature, otherwise, you state the contract is invalid and unlawful. Furthermore, you state that not providing the original contract with your wet signature is in violation of your consumer rights. For a resolution, you have demanded that the account be deleted from all of your consumer reports.
  ********************* (FEB) is an ****-insured, **** chartered bank. FEB contracts with OppFi to offer small-dollar installment loans to consumers with less than perfect credit history. In this relationship, FEB is the lender and OppFi is the technology provider. FEB 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 FEB after the origination.As a ****-insured, **** chartered bank, FEBs ********** regulators are the **** and **** 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 rejection,we understand that you have requested to receive an original contract bearing your wet signature, otherwise, you state the contract is invalid and unlawful.
  In your rejection response, you are requesting an original contract bearing your wet signature, however due to it being an online application, the Installment Loan Agreement Promissory Note and Disclosure Statement (The Agreement) was electronically executed by you on April 25, 2022. By signing the Agreement, you acknowledged that you read,understood, and agreed to all the terms of the loan. We have again included a copy of the Agreement with this response for your reference.
  Regarding the requested resolution for the account to be deleted from all of your consumer reports, we are unable to do so as 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. Therefore, we are unable to remove this from your credit report as the information is accurate and we have not been provided with any evidence to the contrary.
  We hope this resolves all concerns, but if you have additional questions, please reach out to OppFi at ************** or me directly at **********************************.
  ****************************************
  Regulatory Complaints Analyst
  Opportunity Financial, LLC, 

• Initial Complaint

  Date:12/03/2023

  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 opploans , I do not have a contract with opploans they did not provide me with the original contract as requested.

  

  Business Response

  Date: 12/11/2023

  December 11, 2023
  
  RE:BBB Complaint ********
  This is the response of Opportunity Financial, LLC ("OppFi") to the Better Business Bureau complaint referenced as ******** made by *************************** on December 3, 2023. In the complaint, ***************************, you assert that you are not liable for this debt.  For resolution, you have requested a correction be made to your credit report.
  ************ (FinWise) is a ****-insured, **** chartered bank. ************ contracts with Opportunity Financial, LLC (OppFi) to offer small-dollar installment loans to consumers with less than perfect credit history. In this relationship,FinWise is the lender and OppFi is the technology provider. FinWise 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 FinWise after the origination. As a ****-insured, **** chartered bank, ******************* regulators are the **** and **** Department of Financial Institutions (UDFI).
  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 three loans from FinWise using the OppFi platform. The most recent loan has been written off.
  ***************************, you secured your most recent loan on October 26, 2021,in the amount of $3,000.00, which required a total of twenty bi-weekly payments in the amount of $260.10, with the first payment due on November 5, 2021.  The proceeds from this refinanced loan were distributed in two parts with $948.58 being deposited into the bank account you provided on your application and $2,051.42 was used to satisfy a previous loan.  You made twelve successful payments towards the loan, and three unsuccessful payments.  The unsuccessful payments were due to insufficient funds.  The last successful payment received towards the loan was on April 8, 2022.  OppFi began sending you emails advising you of the status of your account and settlement offers.  You did not respond to the emails and your account went into written-off/charged-off status on July 21, 2022.
  In the complaint, you assert that you are not liable for this debt.  ***************************,OppFis credit reporting team has received one indirect dispute from you on December 4, 2023.  In the dispute you claim that you are not liable for the debt. OppFis credit reporting team responded to the dispute on December 5,2023, and advised that all information being reported has been found to be accurate.  ***************************, you missed your payment scheduled for April 22, 2022, and became delinquent as of May 22, 2022.  The account was reported late on May 31, 2022.  OppFis credit reporting team has confirmed that your account is accurately being reported as written-off/charged off as of July 21, 2022, with an outstanding balance in the amount of $2,338.00.
  ***************************, the Installment Loan Agreement Promissory Note and Disclosure Statement (The Agreement) was executed by you on October 25, 2021.The Agreement is attached hereto. By signing the Agreement, you acknowledged that you read, understood, and agreed to all the terms of the loan.      
  Regarding your requested resolution to have a correction made to 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.
  
  We hope this resolves all your concerns, but if there are additional questions,please reach out to OppFi at ************** or me directly at *********************************.
  
  Sincerely,
  ***********************
  Regulatory Complaints Associate
  Opportunity Financial, LLC
  
  
  
  
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:12/03/2023

  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 have paid off my loan with opploan. On 10/15/23. However on their website my account still active. I can see all my past history. The face my loan was paid off. I e asked meny times. For them to close my account where it's no longer active . They have refused and then never responded to me asking again again and again. Now I would like BBB to ask them to close my account where I can no longer sign in and see what use to be.

  

  Business Response

  Date: 12/15/2023

  December 15, 2023
  
  Re: BBB Complaint ********
  To whom it may concern:
  This is the response of Opportunity Financial, LLC (OppFi) to the Better Business Bureau complaint referenced as ******** (the Complaint)made by ********************* on December 4, 2023. In the Complaint, *********************, you state that you have requested your OppFi account be closed and ********************** is refusing to do so.  For resolution, you are requesting your account be closed.  
  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 ********************* using the OppFi platform, the most recent loan has been paid-off.
  *********************, you secured your most recent loan on August 5, 2022, in the amount of $1,100.00 which required a total of twenty bi-weekly payments in the amount of $94.17, with the first payment due on August 12, 2022.  The proceeds from this refinanced loan were distributed in two parts with $655.70 being deposited into the bank account you provided on your application and $444.30 was used to satisfy a previous loan.  You made seventeen successful payments towards the loan.  You settled your loan on October 31, 2023, in the amount of $300.00.  The status of the loan reflects as paid off.  
  In your complaint, you indicated that you have requested your OppFi account be closed and ********************** is refusing to do so.  Please be advised that your online account with ********************** is showing you do not have any active loans, however you will still have an account with ********************** as you recently settled your loan.  If you are requesting OppFi to deactivate your online account, unfortunately currently we are unable to do so.  Due to the Bank Secrecy Act requiring financial institutions to implement a Customer Identification Program, and under this program, a financial institution must retain pertinent customer information for at least seven years from the date the record was created, or the account was paid off or settled.
  Also please be advised that OppFi has unsubscribed you from all marketing lists as well as turned off all communication preferences.
  We hope this resolves all your concerns, but if there are additional questions, please reach out to OppFi at ************** or me directly at *********************************.
  
  Sincerely,
  ***********************
  Regulatory Complaints Associate
  Opportunity Financial, LLC
  
  
  
  
  
  
  
  
  
  
  
  

  Customer Answer

  Date: 12/18/2023

   
  Complaint: 20952522
  
  I am rejecting this response because: other company's I have used. Close the online account once it's paid in full. I shouldn't be able to still see my account and have a active long in.its been well over 60 days since paid. Every other company. Closes the persons online excess when they are done 
  
  Sincerely,
  
  *********************

  

  Business Response

  Date: 12/21/2023

  December 21, 2023
  
  Re: BBB Complaint ********
  To whom it may concern:
  This is the response of Opportunity Financial (OppFi) to the Better Business Bureau regarding a rejection to our response on complaint #******** made by ********************* on December 18, 2023. In the Complaint, *********************, you stated that you did not want to have an active log in to your online account.
  We take all Complaints seriously, as we strive to provide exceptional service at every touchpoint. In response to your rejection, OppFi took another thorough look into your account.  ********************** understands that you no longer want the ability to access your online account. As a courtesy, OppFi has disabled your password so that you are unable to access your online account.  Please be advised that your online account with ********************** is showing you do not have any active loans, however you will still have an account with ********************** as you recently settled your loan.
  We truly hope the above resolves all concerns, but if by chance there are additional questions, please reach out to me at *********************************. 
  
  Sincerely,
  ***********************
  Regulatory Complaints Associate
  Opportunity Financial, LLC