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:04/04/2025

  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.

  Constantly offering loans, but instantly denying them. Every single time. Stop contacting me if you're just going to deny me every time!!!

  

  Business Response

  Date: 04/08/2025

  April 8, 2025
  
  ******* ******
  **************************************************
  ****************

  Re: BBB Complaint ********

  APP: XXXXXX5569

  Dear ******* ******,

  This is the response of Opportunity Financial, LLC ("OppFi") to the complaint you submitted to the Better Business Bureau (BBB) on April 7, 2025, referenced as ******** (the Complaint). In the Complaint, you state that OppFi is constantly offering loans, but instantly denying them and wish for us to stop contacting you if you will not be approved. 
  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, and in order to fulfill the commitment to responsible lending, all application requests go through a ***** review process after potential eligibility. We would be unable to extend credit if you do not meet our pre-established criteria. To be eligible for a lending product through OppFi please refer to the *** page on our website. Please be advised you may reapply thirty (30) days after your denial date. 

  If you are wanting to remove yourself from all advertisements from OppFi, please reach out to us at ************** and we will make sure your request is processed. We are unable to confirm an absolute approval if you should decide to apply at a later 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:04/01/2025

  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 filed Bankruptcy on March 20, 2017, Reference number ******* due to medical issues and this loan along with others was discharged. Now 8 years later this company and their agents have been calling and emailing me trying to collect this debt. The Bankruptcy clearly shows on my credit report along with the original write off from this company and I would like this unlawful attempt to collect this old debt to stop.

  

  Business Response

  Date: 04/04/2025

  April 4, 2025
  
  ******* ******
  ******************************************************************************************

  Re: BBB Complaint: ********

  LAI: XXXX-8611

  Dear ******* ******,

  This is the response of Opportunity Financial, LLC ("OppFi") to the complaint you submitted to the Better Business Bureau (BBB) on April 1, 2025, referenced as ******** (the Complaint). In the complaint, you stated on March 20, 2017, you filed Bankruptcy, reference number ******* due to medical reasons and that your loan with OppFi, along with others was discharged. However, you assert you have been called and emailed to collect on this debt. For a resolution, you have requested for this unlawful attempt to collect this old debt to stop.

  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 six (6) loans from OppFi. The final refinanced loan (the subject of this complaint) has an outstanding balance and has been written/charged off.  
  Our records indicate that you received your most recent loan on June 18, 2019, in the amount of $1,500.00, which required a total of eleven (11) semi-monthly payments in the amount of $210.86 with the first payment due on July 1, 2019. You made your first initial payment successfully, followed by two (2) consecutive payments that were unsuccessful and returned due to your request to revoke authorization at your banking facility. Your last successful payment was made on July 1, 2019, and due to nonpayment thereafter, OppFi began sending you emails regarding your account status. You never responded to the emails; therefore, your account was written/charged off on October 13, 2019, in the amount of $2,186.70.  

  In your complaint, you requested cessation of phone calls and email communications regarding the debt, citing a bankruptcy discharge on March 20, 2017. However, our records indicate that all loans from OppFi were obtained after the bankruptcy discharge. The initial loan was dated September 12, 2018, followed by subsequent refinances on November 20, 2018, January 4, 2019, February 25, 2019, May 7, 2019, and June 18, 2019, each for $1,500.00. Therefore, as the bankruptcy was discharged prior to any loans with OppFi, the debt remains valid.

  Regarding your request for all communication to cease, it has been processed, and you have been removed from all forms of correspondence regarding this loan. Please keep in mind that the valid debt has not been removed, as we are 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; however, communication surrounding this debt has been stopped.

  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
  Opportunity Financial, LLC
  

  
  

• Initial Complaint

  Date:04/01/2025

  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. FNWSE/OPPLNS - LAI02707196 - $4,152 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: 04/08/2025

  April 8, 2025
  
  ******** ****
  ****************
  **********, VA *****
  Re:BBB Complaint ********
  LAI:XXXX7196
  
  Dear ******** ****,
  This is the response of Opportunity Financial, LLC ("OppFi") to the complaint you submitted to the Better Business Bureau (BBB) on April 1, 2025, referenced as ******** (the Complaint). In the Complaint, you state that you recently received a copy of your credit report and after reviewing it, you found a number of items in the report that are inaccurate, and you have requested copies of the documents on file that were used to verify the accuracy of the account. Within your attachments, you state that the method of verification for this account is in violation, and it was reported without valid evidence of the Fair Credit Reporting Act (FCRA). For a resolution you state that if OppFi does not have any documentation to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i).
  ************ (*******) is a FDIC-insured, *******************. FinWise contracts with OppFi to offer small-dollar installment loans to consumers with less than perfect credit history. In the 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 the Complaint, we thoroughly researched the matter which yielded the following facts: you received three (3) loans from FinWise using the OppFi platform. One loan (the subject of this complaint) is outstanding and has been charged off, while the other two (2) loans were paid off.
  Our records indicate you received your most recent loan on November 2, 2022, in the amount of $3,000.00 which required a total of thirty-nine (39) bi-weekly payments in the amount of $199.90,with the first payment due on November 11, 2022. You made four (4) successful payments, and one (1) payment was returned due to your request that your bank stop the payment. 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 April 6, 2023, in the amount of $4,152.44. Due to no further payment being received, your account was then placed with ********** collection agency on April 12, 2023. As of June 5, 2024,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 you recently received a copy of your credit report and found a number of items on the report that are inaccurate. OppFis credit reporting team has not received any indirect or direct disputes on your behalf. OppFis credit reporting team has verified with all three (3) bureaus that all reported information is accurate, and your account is currently being reported as charged off with a balance of $1,452.00. Your account was previously reported late due to the first delinquency on February 5, 2023. Your credit was then updated to charged off as of April 30, 2023.
  In the Complaint, you have also requested copies of the documents that were used to verify the accuracy of the account. Please note that you signed the Promissory Note and Disclosure Statement (the "Agreement") on November 1, 2022, and accepted $3,000.00 on November 2, 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 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 ********** 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.
  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.
  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

• Initial Complaint

  Date:03/31/2025

  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. CCB/OPPLNS - LAI03576446 - $3,298.00 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: 04/04/2025

  April 4, 2025
  
  ****** ***** III
  ********************************
  **********************  
  Re:BBB Complaint ********
  LAI:XXXX6446
  
  Dear ****** ***** III,
  This is the response of Opportunity Financial, LLC ("OppFi") to the complaint you submitted to the Better Business Bureau (BBB) on March 31, 2025, referenced as ******** (the Complaint). In the Complaint, you state that you recently received a copy of your credit report and found a number of items on the report that are inaccurate. You have requested copies of the documents used to verify the accuracy of the account. For a resolution, you state that if unable to provide documentation, then delete the account.
  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 February 13, 2024, in the amount of $2,300.00,which required a total of forty (40) weekly payments in the amount of $101.46 with the first payment due on February 22, 2024. There were no payments made towards the loan and OppFi began sending you emails regarding your account status. You never responded to the account status emails therefore, your account was charged-off on May 22, 2024, in the amount of $3,298.14. Due to no further communication regarding your account, your account was then placed with TrueAccord, a digital collection agency on June 5, 2024.
  In the Complaint, you state that you recently received a copy of your credit report and found a number of items on the report that are inaccurate. OppFis credit reporting team received four (4) indirect disputes between July 8, 2024, and March *******, regarding a claim that the account is closed, a claim that you are not liable, and a claim regarding the account not being yours. OppFis credit reporting team responded to all disputes and found all the information to be accurate. Your account was previously reported late due to the first delinquency on March 23, 2024. Your credit was then updated to charged off as of May 31, 2024. OppFi has confirmed that the account is currently being reported as charged off, with a balance of $3,298.00.
  In the Complaint, you have also requested copies of the documents used to verify the accuracy of the account. Please note that you signed the Promissory Note and Disclosure Statement (the "Agreement") on February 12, 2024, and accepted $2,300.00 on February 13, 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 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.
  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.
  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:
  Agreement

• Initial Complaint

  Date:03/27/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not obligated for the debt claimed by OPPITY FIN. There is no contractual agreement between me and OPPITY FIN, and they have not furnished the original agreement as requested.

  

  Business Response

  Date: 04/03/2025

  April 3,2025
  
  ******* *******
  21805 ****** Ter
  *******, ** 20147
  RE:23125994
  LAI#********
  
  
  Dear ******* *******,
  
  We are in receipt of the complaint you submitted to the Better Business Bureau and appreciate the opportunity to respond. In the complaint, ******* *******,you are stating that you are not liable for this debt.  For a resolution, you are requesting the account be removed from your credit report.
  
  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 OppFi.  The loan is currently written off.
  
  You secured your loan on January ******, in the amount of $2,000.00,which required a total of nine monthly payments in the amount of $380.98, with the first payment due on February 1, 2020. You made three successful payments toward the loan and seven unsuccessful payments.  The unsuccessful payments were due to insufficient funds. The last successful payment received towards the loan was on August ******, in the amount of $380.98.  The loan was written off on November 30, 2020, with an outstanding balance in the amount of $3,443.96.  The account was placed with ******** a debt collection agency, to collect the outstanding balance on OppFis behalf.
  
  In your Complaint, you assert that you are disputing the debt. Please note that you signed the Promissory Note and Disclosure Statement (the "Agreement") on January 7, 2020, and accepted $2,000.00 on January 9, 2020. 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
  
  OppFis credit reporting team received five indirect disputes from you between September 2022 and February 2023.  In the disputes you are disputing the information being reported to your credit report.  OppFis credit reporting team responded to each dispute, advising you that all the information being reported is accurate.The accounts first reported delinquency as of October 2, 2020, due to missing the scheduled payment for September 1, 2020. The account is accurately being reported as written off as of November *******, with an outstanding balance in the amount of $3,443.00.
  Regarding your requested resolution to remove all negative marks 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.
  
  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:03/25/2025

  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.FEB/OPPLOANS - LAI034XXXXX - $1,799 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: 04/03/2025

  April 3,2025
  
  ******* ******
  ***************************************************************************
  RE:23112511
  LAI#********
  
  
  Dear ******* ******,
  
  We are in receipt of the complaint you submitted to the Better Business Bureau and appreciate the opportunity to respond. In the complaint, ******* ******, you are stating that inaccurate information is being reported to your credit report.  For resolution, you have requested the account be 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 your complaint, OppFi has thoroughly researched this matter. According to our records, you received two loans from ********************* (FEB) using the OppFi platform. The most recent loan has been written off.
  
  ******* ******, you secured your loan on December 8, 2023, in the amount of $1,500.00, which required a total of twenty bi-weekly payments in the amount of $128.41, with the first payment due on December 15, 2023.  The proceeds from this refinanced loan were distributed in two parts with $379.97 being deposited into the bank account you provided on your application and $1,120.03 was used to satisfy a previous loan. You made five successful payments toward the loan, and one unsuccessful payment.  The unsuccessful payment was due to a stop payment being placed by your bank.   The last successful payment made towards the loan was on February 9, 2024, in the amount of $128.41.  The loan went into written off status on May 23, 2024, with an outstanding balance in the amount of $1,799.61. The account was placed with **********, a debt collection agency,to collect the outstanding balance on OppFis behalf.
  
  OppFis credit reporting team has received six indirect credit disputes from you between September 2024 and February 2025.  In the disputes, you claim inaccurate information is being reported to your credit report.   Oppfis credit reporting team responded to each dispute and found all information being reported to be accurate.  ******* ******, your first reported delinquency date is March 24,2024.  The account is accurately reported as written off as of May 23, 2024, with an outstanding balance in the amount of $1,799.00.
  
  Please be advised that the Promissory Note and Disclosure Statement (The Agreement)was electronically executed by you on December 7, 2023, and within the Agreement, you agreed to 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 acknowledged that you read, understood, and agreed to all the terms of the loan. A copy of the Agreement is attached hereto.
  
  Regarding your requested resolution to delete the account off 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 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:03/24/2025

  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.

  Opp loans. I borrowed 2000 in December, have paid them 345 monthly for 3 months and still owe them $1700 dollars. No early payment policy. I want a reasonable payoff amount. The fees are to high.

  

  Business Response

  Date: 03/27/2025

  March 27, 2025
  
  ****** *******
  *********************************************
  Re:BBB Complaint ********
  LAI: XXXX9231
  
  Dear ****** *******,
  This is the response of Opportunity Financial, LLC ("OppFi") to the complaint you submitted to the Better Business Bureau (BBB) on March 24, 2025,referenced as ******** (the Complaint). In the Complaint, you state that you borrowed $2,000.00 in December, have paid $345.00 monthly for 3 months and still owe $1,700.00. You also state, No early payment policy. For a resolution you have requested a reasonable payoff amount and state the fees are too high.
  ************ (*******)is a FDIC-insured, *******************. FinWise contracts with OppFi to offer small-dollar installment loans to consumers with less than perfect credit history. In the 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. As an FDIC-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 ******* using the OppFi platform (the subject of this Complaint) which is current, with an active balance owing.
  Our records indicate that you received your loan on December 24, 2024, in the amount of $2,000.00,which required a total of ten (10) monthly payments in the amount of $340.06 with the first payment due on January 1, 2025. You made three (3) successful payments, with the last payment being made on March 22, 2025. Your loan is active and in good standing.
  In the Complaint, you state that you borrowed $2,000.00 in December, have paid $345.00 monthly for 3 months and still owe $1,700.00. You also state, No early payment policy, and the fees are too high. Please keep in mind that all the interest you are scheduled to pay has already been calculated and divided among the total number of payments you agreed to make. At the beginning of your loan, you will notice more of your payment is applied towards interest, however, as you continue to make your payments on time as scheduled, the balance will start to diminish. However, please keep in mind that missed payments, hardships and deferments will cause your loan to accrue additional interest and extend past the original maturity date. If an installment is missed, missed interest will be satisfied first on the next successful payment. Due to receiving your February 1, 2025, installment on February 22, 2025, this payment was solely applied towards interest only. Additionally, your March ******, installment was received on March 22, 2025, and due to the payment being received after the due date, only $105.49 was applied to the principal and $266.65 was applied towards interest. As of March 27, 2025, your current balance is $1,660.20. Please note, OppFi does not charge late fees,however, late payments may be reported to the credit bureaus if a past due payment is over 30 days late. Additionally, you may pay your loan early without any prepayment penalty.
  Regarding your requested resolution for a reasonable payoff amount, if you would like to pay off your loan, please contact us directly via phone. Due to internal and external guidelines, we are limited on what actions can be performed via written communication.
  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

• Initial Complaint

  Date:03/19/2025

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

  

  Business Response

  Date: 03/21/2025

  March 21, 2025
  ****** Anumada
  
  RE:BBB Complaint: 23089407
  
  Dear ****** Anumada,  
  
  Thank you for reaching out to OppFi. We have received your message through the Better Business Bureau regarding an issue dated March 21, 2025. We appreciate the opportunity to address your concern. However, after conducting a thorough investigation, we were unable to locate an account associated with the information you provided in your Better Business Bureau Complaint.  
  
  We will be pleased to assist you with any concerns you may have and investigate this further. To address your concerns, please provide us with the address,name, or full LAI that is associated with your account. Thank you for your cooperation and please let us know if you have any further questions or concerns, we can be reached at **************.
  
  Sincerely,
  OppFi *********************
  Opportunity Financial, LLC

  Customer Answer

  Date: 03/21/2025

   
  Complaint: 23089407
  
  I am rejecting this response because: If you have no account in my name you are obligated to remove it from my credit history according to the ****. The address on my debt verification letter that was sent is my address. If no history of that address is on your end I demand it be deleted from my credit report it is damaging my credit score and ability to move forward with anything that has to do with credit checks. 
  
  
  Sincerely,
  
  ****** Anumada

  

  Business Response

  Date: 03/24/2025

  March 24, 2025
  
  RE: BBB Complaint-Ref. No. ********
  
  Dear ****** Anumada,
  This is the response of Opportunity Financial, LLC to the Better Business Bureau regarding a rejection of our response for the complaint referenced as ********. As previously advised, after an extensive review, we are unable to locate an account associated with the information you provided. We will be pleased to assist you with any concerns you may have and investigate this further. To address your concerns, we will need the address, name, or full LAI that is associated with your account. Thank you for your cooperation and please let us know if you have any further questions or concerns, we can be reached at **************.
  As Opportunity Financial, we are here to assist you with any questions or issues you may have regarding your OppFi account. Please feel free to reach out to us with any further details, and we will provide you with accurate information.
  
  Thank you for your understanding.
  
  Best regards,
  OppFi Complaints Management
  Opportunity Financial, LLC

• Initial Complaint

  Date:03/18/2025

  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 am writing to dispute the accuracy of information that is on my credit report according to the consumer laws and the fair credit reporting act section 15, USC 1681b, 15 USC *****, 18 USC 1028A. It is illegal to report information on my credit report without my permission please remove item from my credit report.

  

  Business Response

  Date: 03/24/2025

  March 24, 2025
  
  **** ****
  ***********************
  *********************
  Re:BBB Complaint ********
  LAI: XXXX5475
  
  Dear **** ****,
  This is the response of Opportunity Financial, LLC ("OppFi") to the complaint you submitted to the Better Business Bureau (BBB) on March 18, 2025,referenced as ******** (the Complaint). In the Complaint, you state that you are writing to dispute the accuracy of information that is on your credit report according to the consumer laws and the fair credit reporting act section 15, USC 1681b, 15 USC *****, 18 USC 1028A. Additionally, you state that it is illegal to report information on your credit report without your permission.For a resolution, you have requested to remove the account from your credit report.
  ************ (*******)is a FDIC-insured, *******************. FinWise contracts with OppFi to offer small-dollar installment loans to consumers with less than perfect credit history. In the 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. As an FDIC-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 ******* using the OppFi platform (the subject of this Complaint) which has been written off.
  Our records indicate that you received your loan on February 17, 2022, in the amount of $2,000.00,which required a total of twenty (20) bi-weekly payments in the amount of $177.04 with the first payment due on March 4, 2022. You made two (2) successful payments, and three (3) payments were returned due to insufficient funds. Your last successful payment was made on March 18, 2022. Due to nonpayment thereafter, OppFi began sending you emails regarding your account status. You never responded to the account status emails, and therefore, OppFi began sending you settlement emails. You never responded to those emails, and your account was charged-off on June 30, 2022, in the amount of $2,762.36.
  In the Complaint, you state that you are writing to dispute the accuracy of information that is on your credit report according to the consumer laws and the fair credit reporting act section 15, USC 1681b, 15 USC *****, 18 USC 1028A. OppFis credit reporting team received two (2) indirect disputes between March 18, 2025, and March *******, regarding the account not being yours, and a claim that the account is closed. *********************** credit reporting team responded to both disputes and found all the information to be accurate. Your account was previously reported late due to the first delinquency on May 1, 2022. Your credit was then updated to charged off as of June 30, 2022. OppFi has confirmed that the account is currently being reported as charged off, with a balance of $2,762.00.
  Within the Complaint,you also state that it is illegal to report information on your credit report without your permission. Please note that you signed the Promissory Note and Disclosure Statement (the "Agreement") on February 16, 2022,and accepted $2,000.00 on February 17, 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 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.
  Additionally, you acknowledged that you were aware of this loan when you contacted OppFi on February 16, 2022. During that call, 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 the call, you contacted OppFi after submitting an application online and you wanted to confirm when you would receive funds since the loan was approved. During that call, you never disclosed that you were unaware of this debt, nor did you request validation of the debt.
  Regarding your requested resolution to remove the account from your credit report, 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. In the present situation, we do not have such belief and have confirmed with all three (3) bureaus that the account is being reported accurately.  Therefore, we are unable to forgive the debt or remove this from your credit report.
  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: Agreement

• Initial Complaint

  Date:03/18/2025

  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.

  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.FEB/OPPLNS - LAI02350746 - $1,145 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: 03/31/2025

  March 31,2025
  
  ********* *****
  **********************************************************************************************
  RE:23081663
  LAI#********
  
  
  Dear ********* *****,
  
  We are in receipt of the complaint you submitted to the Better Business Bureau and appreciate the opportunity to respond. In the complaint, ********* *****, you are stating that inaccurate information is being reported to your credit report.  For resolution, you have requested the account be 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 your complaint, OppFi has thoroughly researched this matter. According to our records, you received a loan from ********************* (FEB) using the OppFi platform. The loan has been written off.
  
  ********* *****, you secured your loan on May 5, 2022, in the amount of $1,100.00, which required a total of twenty bi-weekly payments in the amount of $94.57, with the first payment due on May 13,2022.  You made eight successful payments towards the loan, and three unsuccessful payments.  The unsuccessful payments were due to insufficient funds.   The last successful payment made towards the loan was on August 19, 2022, in the amount of $94.57.  The loan went into written off status on December 1, 2022, with an outstanding balance in the amount of $1,145.68. The account was placed with ******** a debt collection agency, to collect the outstanding balance on OppFis behalf.
  
  OppFis credit reporting team has received sixteen indirect credit disputes from you between September 2024 and January 2025.  In the disputes, you claim inaccurate information is being reported to your credit report.   Oppfis credit reporting team responded to each dispute and found all information being reported to be accurate.  ********* *****, your first reported delinquency date is October 2, 2022.  The account is accurately reported as written off as of December 1, 2022, with an outstanding balance in the amount of $1,145.00.
  
  Please be advised that the Promissory Note and Disclosure Statement (The Agreement)was electronically executed by you on May 4, 2022, and within the Agreement,you agreed to 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 acknowledged that you read,understood, and agreed to all the terms of the loan. A copy of the Agreement is attached hereto.
  
  Regarding your requested resolution to delete the account off 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 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