Oportun
reviews and complaints

I applied for a loan based on the advertisement that if approved I would receive the money in 1-3 business days. I applied and was approved on June 25th and was told I would not have to start making payments on it until August 2nd. 1-3 days came and went, NO MONEY. I called them back and they said well it actually takes up to 10 days. 10 days came and went called back they said well its actually 10 business days and it looks like we issued you a check in the mail on the 5th of JULY. which was 10 days after I was approved and I was told it would be direct deposit and they even took my bank details. I said fine whatever. 10 business days after the 5th came and went. called back they said they have no idea why I hadn't received it but they would go ahead and cancel the check and start the process for direct deposit. something I was under the impression they were doing from the start. they took my bank account information AGAIN. Said it would be 10 business day which made no sense as it was direct deposit. well low and behold 10 days came and went and still NO MONEY. I called back turned out they weren't doing direct deposit and had decided to mail me another paper check and hadn't mailed it until 2 days ago (the 25th of JULY) 8 days after i was told it would be direct deposited. I told them I no longer wanted the loan as it was already too much of a hassle and they had lied to me for the last time. they said since they issued the check already I was obligated to start paying it back at the original agreed upon time which is next Tuesday. I never received the money I told them I don't want the money and they said they won't be canceling and that loan. I cannot and will not pay a loan back that I never received. This whole business model screams fraud and scam as well as identity theft since they took all my information and have not produced results or used the information they took.

On July 13th I called to get a loan from opportune as I have done in the past I spoke with a *** we spoke for awhile I explained why I needed the loan she to my information said that I needed I physical mailing address because I only have a P.o Box I asked what I needed to do if I had to get all my mail going to a physical address she told me that they just need to know that my bank statements are going to my sister's address she wasn't sure how to do it but that they have to have my sister's address so I said ok she said to call her back when we got that done so we went talked to my sister she said I could use her address I called marialuz back she said that I would need proof that they were going to the address so we went to the post office asked them how could I get my statements to go to an address without all my mail going there I was going to go fill out a change of address but they told me that if I did that all my mail would go to my sisters I just needed my statements so they told me to go to the bank and let them know that I needed my statements to go there so I explained to them what I needed and why that they filled out some form in the computer so my statements went to my sister's then printed it out and gave it to me so I called opportune let them know I got the paper and they said ok that all I had to do was go inside give them the papers and they would take my picture so I asked them again once I do that will I get the loan they told me yes because all I needed was that proof plus I was already approved. Ok I did all they asked when i asked them if I was approved when they told me yes I had my wife drive me around with less than half a tank of gas and no money in our pockets because I was approved and was going to get the loan once I got that I was going to put gas in her our car. But when i went in they told me that I want approved after doing all that that's not right.

On December 7, I called Oportun to apply for a personal loan. They were very insistent on getting my Social Security number right from the beginning, and they also wanted my banking information right away, before any loan approval was given. I refused to provide my banking information, but I knew I couldn't get a loan without giving them my SSN, which I foolishly did. I was not approved for the loan for whatever reason.About two hours later, I applied for a loan at NetCredit. They turned me down because "multiple people were using the same SSN," which of course was mine. I reported this to Credit Karma, and they're looking into it. I was told by them that I needed to file a police report, just for the record. All this fixing of the damage they did to my credit and my SSN is going to take a lot of time and effort. I am chronically ill and not up to doing all this, but, to the detriment of my health, I'll do it somehow. I think Oportun should pay me punitive damages for stealing my SSN,lying,advertising loans that are fake.I have no way of knowing who might be using my SSN, but, from my conversation with Oportun, I am almost positive they are using it. They may have been the only ones, could have been just their employees all using my SSN, or there could be others out there using it too.I don't know what to do. I will talk with Social Security later today. I hate to change my SSN, which I've had since I was a small child, but I hate having other people using it worse. Now that I've seen the numerous complaints here, I am glad my loan never went through. There may not even BE a loan involved here. I am so relieved that I didn't give them my banking info. I may have made a stupid mistake in giving them my SSN, but at least I wasn't stupid enough to give them my banking info.The phone number I called for Oportun is ***. Thank you for helping me. Please do let me know if I still need to file a police report.

Oportun opened an account in my name using stolen identity information on 09/10. This is only a month after my bankruptcy to which I had to file because of identity theft. Oportun did not send me a card, and Oportun did not verify my information prior to opening the account. I have extended fraud alerts on all 3 credit bureaus, advising that I am a victim of identity theft and that you must contact me in order to verify all applications before opening an account. Oportun did not follow my fraud victim statement, and oportun did not call me to verify the application. Instead Oportun opened the account and sent the card to someone, whom I do not know. I notified Oportun that I did not open this account on several occasions when I located the account on my credit files. Oportun let a fraudster register the account using *** and Charge the account $595 worth of fraudulent charges. Oportun, did not call me to verify the charges again I had no idea this account was even opened. I never received a card for this account, nor did I ever activate a card for this account. I did not authorize any payments on this account, and all associated account's have been closed due to Identity theft. Oportun refuses to investigate, and refuses to assist me. Instead advising me to fill out a statement even though I attached my FTC Identity theft affidavit. The statement asks what charges are fraudulent. The answer is all CHARGES. The application was fraudulent. I did not sign any application documents, I did not receive a card, and I did not receive benefits from this card. Oportun continues to report this to the credit bureaus as PAST DUE. IT's not past due because I do not owe this account. Oportun's hard inquiries were already blocked by all 3 Credit Bureaus related to this account. and I want this account deleted from my credit files and this account marked as fraud. I am a victim, and I do not know whom stole my identity.

I have experienced a 70% loss in income as a result of a COVID related job closure. I called Oportun on 4/11/22 to inquire about any possible hardship programs that might reduce my minimum payment due on my Oportun *** card. I was told that, although there were no programs to reduce my minimum payment, I could enroll in a program that would allow me to skip payments. The terms of the program were explained to me and I was told that there would be no late fees, no past due payments reported, and that my amount due when I was able to resume payments would continue to be 5% of the balance. I was informed that this required contact from me on a month to month basis. My payment that was due on 4/18/22 was skipped without issue and no late fees or past due payments were posted. I called back on 5/1/22 to ask about enrolling again and skipping the payment that would be due on 5/18/22. This phone call took place on 2:29 pm. I asked explicitly at the end of the call if I had completed everything I needed to for a second enrollment and for my 5/18/22 payment to be skipped and was told yes. I was also told I would need to call back the following month if I needed additional payments skipped. I noticed a late fee posted to my account on 5/19/22 and I called in to ask about it. I was told that they could see I was enrolled in the hardship program and they would refund the late fee immediately which they did. When my statement was issued on 5/20/22, there was a past due amount shown and a payment due of twice what it normally is (including the payment that was "skipped). I have called in and was told that I did not call in during the correct time frame and was not enrolled for *** payment. The phone calls on the line are recorded and I was expressly told by a representative that I was enrolled and that my payment would be skipped. I have tried to call back to resolve this twice. I have been told no representatives are available and to call back.

On 11/1/2022 I reported Oportun Credit Card *** for failing to comply with FCBA. If my credit, ATM, or debit card is LOST OR STOLEN, federal law limits my liability for unauthorized charges. My protection against unauthorized charges depends on the type of card and when I reported the loss. Under the *** my liability for unauthorized use of my credit card tops out at $50. Not to mention Oportun advertises zero liability for unauthorized use of the card regardless if used online or in person. After filing the last dispute, I was informed that someone would be in touch. I recieved letter someone had been trying to reach me... I immediately started calling. I left 4 messages. On December 8th 2022 @ 422pm I received a VM from *** stating if the card was stolen she would require me to get a police report etc and to call her back. On Dec 9th at 7pm I called her back and left a vm explaining that my card was not 'stolen...' ( meaning no one broke into my car, home etc and stole the card). That after using it at Salon and the dollar store, I lost it. Someone must hv found it and used it. So I did not contact the authorities but that I did dispute it online and contact customer service as soon as I saw the transaction. But let me know if I need to report it & that j looked forward to hearing from her soon. I never received a phone call back from the 9th. I went online today 12/18 to pay my *** and AGAIN... they added the fraudulent charge back to my account on 12/15 $604.71 AUTO ZONE. This is TOTALLY unacceptable. Zero customer service. I NEVER SPOKE TO A PERSON AND FOR THE 3RD TIME... THIS CHARGE IS BACK ON MY ACCOUNT. REGARDLESS OF THE FEDERAL STATUE & regardless of Oportuns own ZERO fraud liability policy. The *** (FTC) and the *** (CFPB) are the two federal agencies charged with overseeing and enforcing the provisions of the act. I am contacting both as well as my attorney.

I received a letter in the mail on June 22nd, 2022 from Oportun which contained my credit score and a Loan application number. I called them the next day and spoke to ***. I explained that someone stole my identity and is fraudulently applying for this loan. He told me that the loan was summited for final approval. I demanded that they cancel this loan immediately and provide me with information that the fraudster used to obtain a loan. He kept giving me the run around and his poor English skills exacerbated the matter. I could hear 2 other people in the background trying to translate. I believe the call center he is working form is located in ***. After endless back and forth, he finally admitted that the loan was submitted and pre-approved on May 24th, 2022. He said someone applied online and used my landline number which I have no idea how that number would be able to receive a verification code. He would not provide me with the bank account information that was provided for the loan to be deposited in. I asked to speak to a supervisor or fraud department, he tried to give me the same customer service number again or someone would call me in 10 business days but I pointed out to him that was unacceptable. He then told me that he has no supervisor and there is no fraud department. I told him I looked at my credit reports and I see no inquiries from Oportun. This is illegal- how does a company pre-approve loans without looking into someone's credit? I told him under FTC law, they need to provide me with documentation listing the action they have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft. I also want to know all the information the fraudster provided including bank account because I am assuming the fraudster opened an account under my name as well. I have been on the phone with this company for over 2 hours and they finally hung up on me.

I applied for a personal loan with this company on November 22 at 12:55 PM I was approved that same day. I was told within 1 to 3 business days money would be directly deposited into my account. When that didnt happen I called customer service and got many different answers. Then I called again on Tuesday, December 1 and after getting so many different answers this person told me that The direct deposit was returned six days ago and I asked her when a new check because they said they could not fix the information would be sent out she said to call back on December 8 if I havent received a check. Mind you that will be 16 days that Im accruing interest on money I have yet to receive. She said the delay was because it was Christmas this makes no sense at all. I am not going to pay on funds I have not received yet. I was told that I would receive the check this week it is now Thursday I need a direct answer when this is going to be mailed out. Im not gonna pay on money I have not received. The lack of transparency on their website is minimal at best you cant even see if it was direct deposited if a check was sent out all you can see is that you have a loan and how to make a payment. A company that makes as many loans as this company does you think that they would be able to expedite the situation.. whats concerning to me is looking at these better business reviews and seeing all the people who have not received their funds and are expected to make a payment on some thing theyve never gotten. And by the way its hard to understand the customer service.people they keep telling me theyre going to escalate the situation but they dont communicate with you. I have sent approximately three emails to this companys complaint department and they have not once answered me back or provided a resolution that was satisfactory. I understand mistakes happen but this needs to be rectified.It doesnt take this long to send a check out and the loan doc Interest needs to be fixed

On February 13,2022 I agreed to a personal loan with Oportun. The loan that I thought I accepted was for 16% at $102.00 per month which was on my screen. Upon getting my first *** I made a payment of $2000.00 to lower the monthly cost moving forward. I then realized that the loan details were different then what I agreed to. I noticed that the interest rate was now 20% and the monthly payment was $182.50 per month.I have very good credit and a number of companies offering me a personal loan. It makes absolutely no sense to have chosen a monthly payment of $182.50 and 20%. Upon contacting Oportun they agreed that the interest rate was incorrect and told me that someone would look into the issue of the monthly payment. After waiting a few weeks and receiving no contact I decided to call back just to find that there was no record of my previous phone call. I spoke with another representative and was told the same thing, that someone would call and email me with an update. After a few months and still no word...I called them May 18,2022 and was told a letter was sent that no one in my household ever received.I was told that the letter had been sent in March, when I asked why no one had called or emailed me back the representative didn't have a response. He told me that all I could do was have the letter resent and there was no one else I could talk to. Since this was the third or fourth time that I called it felt like I was getting the run around I didn't accept that this time and demanded to speak to someone who could provide answers. After waiting on hold for about 15 mins or so someone claiming to be a manager got on the phone and told me that I willing agreed to that amount according to her records and there was nothing else that could be done. She also said regardless of whether or not I unwittingly signed for a loan where I was misled I still signed it. I reminded her that I had plenty of offers that were better. She said I still signed for $182.50

On May 4th my identity was compromised and I called all the companies that had a hard pull application out on my name and froze all 3 of my credit reports. On May 5th I noticed a soft pull from Oportun. I gave them a call to let them know that my identity had been compromised and to confirm that no applications in my name were made. They informed me that they could not locate an application in my name but would escalate to their high risk team and took all my information. I never heard back from them. On May 8th I received a notification from transunion that Oportun requested a hard credit pull but it was blocked due to the credit freeze I had on my account and they were unable to get access. I didn't think much of it since the hard pull did not go through. On May 17th I received a letter from Oportun in the mail that they processed a request to change my address on my account that I never opened and only way I knew an account was opened. I called the company and spoke with a supervisor. The supervisor confirmed that they opened an account in my name on May 9th. I requested that they close the account and she did and she also sent my information to the fraud team as there is no one on that team to speak with over the phone. The fact that they opened an account in my name when my credit is frozen or based solely on a soft pull is unacceptable. They need to close the account permanently and I should not be liable for any charges the person who made the fraudulent account made while the account was open. What kind of company does not have a fraud team that you can speak to? What kind of company when you inform them that your identity has been compromised 4 days before an account is opened allows an account to be opened? Their customer service team and system is not equipped to protect victims of identity theft from having an account open in their name. The fraudster tried to open 5 accounts in my name and the only one where they were successful was Oportun.

I had my bank mail a payment of $735.21, for account number ending in ***, on 7/25/22 which would have paid off the account. I called the company on 8/5/2022 to inquire why the account was still not showing a payment and I was told that it takes *** business days from when the check was received to post a payment and that would be on 8/8/2022. I called again on 8/19/22 to inquire why the payment hadnt posted yet and was told that the payment was being processed and I should see it posted to my account on 8/25/22, one month after the payment being sent from my bank to them. I called my bank on 8/19/22 to see if the check had been cashed, and they verified it had been cashed by their company on 8/18/22.I called again on or about 8/24/22 to give them the 3-5 business to post the payment. I told their customer service representative that the check had been cashed on 8/18/22 by their company, where I was told that there was no record of a payment being received. I asked to speak to a supervisor and was transferred to ***. I explained everything to *** and he told me, and I quote the department is running behind on processing payments due to a back log. They are working as fast as they can to process payments. If your payment is not credited to your account before the due date, and you incur a late fee, your late fee will be reversed. On 8/25/22 I made a payment of $15.51 as that would have been all that was left on my account after the payment of $735.21 was applied. I called again on 8/29/2022 and spoke with supervisor ***, he stated there was no record of my payment, even though my bank had stated they had cashed the check. I was told I would have to get a copy of the check and send it in to the above address. I requested an email address to send the copy of the cancelled check to and was told that their company doesn't have email and that there was no way for me to send this letter and document to one person. I have sent 5 letters without results.

I got the Oportun Credit card to have on hand in case of emergencies. It's not linked to any online accounts. No one has access to my card. I have never used the card. I log into my accounts periodically to look for suspicious activity. I've had this card maybe 6 months l paid the annual fee that's the only transaction that should be present. Yet I see a transaction go through to a restaurant in another State listed. Knowing it's not me. I of course dispute the transaction. Some time goes by I get a letter in the mail acknowledging the dispute saying it's being investigated, and that nothing was required of me. I get a second letter again later asking for additional information for the dispute. Nothing specific is listed. Not knowing what I needed to provide I reached out to the investigator assigned my case. I get no answer when I called. I did a follow up call no luck once more but I leave a msg. Explaining who I was, why I called, why I am disputing the transaction and I leave my personal cell. No call returned no letter received to indicate the msg was received. The account remains unused STILL. About 3 months total go by and I get a letter today saying a decision has been made, and that the transaction was valid. I call the investigator again no reply. So I leave a msg saying I disagree and that I'd called before and left a msg. I then call their customer support hoping to get a hold of someone else. I get transferred in call to another department. A hr wasted on incompetent workers that thought my frustration was funny. Like literally giggling and putting me on hold when I asked for information. Being asked the same two questions repeatedly in 15min intervals of being put on hold. While talking still. Another lady joins him to question me the same things. While he giggled in the back. I said I wouldn't pay that transaction, and I wanted my account closed out. If they try to collect at my expense. I have the call recorded. Im fine settling this in Court.

On Jan 19 2022 Oportun wrote a letter that my account would be closed. There was a dispute of a charge from Autozone from the following year that they had refused to take off from Autozone that i did not make. After contacting Complaintsboard.com, they finally agreed to remove the charge which left the balance of *** and they elected to close my account. Which was fine by me. 02/25/22 I made the final payment of $*** which left a 0 balance. My card was then destroyed and thrown away. This morning, June 5th I received a notification from Credit Seseme that I have a delinquent account. I open it up and Oportun is reporting to a credit agency that I have a delinquent balance of $55.00. I then go to Oportun and login and they charged me a $29.00 annual fee on 4/1/22. 5/1/22 a $26.00 late fee was added to the account and 6/1/22 a $35.00 late fee was added to the account resulting in a delinquent balance of $91.40. I immediately call Oportun at 9:04am this morning and we spoke for 30 minutes. He reviewed the account and saw a letter that as of 1/19/22 my accoount was supposed to be closed but due to an error on Oportun Managements side, the account was left "in review" and not closed. "In review" means that you can not use your cards... however they still charge you an annual fee? He told me that he has now closed the account, removed the late charges AND the annual fee. He also stated that he was submitting a ticket to remove the derogatory *** from my credit. However, due to the past problems I have had with Oportun, I doubt that this will happen as it should. He stated over and over that this is a mistake on Oportun and not on mine. I have stellar credit with zero derogatory marks on it and want this removed immediatly. I have worked all my life on my credit report and for this company to do charge an annual fee on an account that was suppose to be closed and then so quickly report the non payment to the credit bureau. i would like it removed just as quickly as they added it.

Hello my name is ***. I have used Oportun to get a loan at least 3-4 times. This time I got a loan back in May $800 and they charged a $49 processing fee, as you know everyone is effected by Covid right now since 2020 and therefore I did struggle at the beginning to make my payments. With that being said I made my first back in August when I got a job finally and tried to get back on track. In July, which is a month before I was receiving multiple calls on a daily base from Oportun regarding making a payment. At one point I got a call at 6am from an agent and I was very upset and asked them to never call me again. One month after I started making my payments like I said because I got a job and even on October I owed about $287 and some change that was left to pay out of $849. I made a payment online using my bank account to pay it off basically and did not notice that when the company tried to take out the money I was short $3.49 to where it declined the payment. I was never informed about that until now January 2022 when Im trying to run my credit report to get a house for me and my small family. Im being informed now that I have 7 late fee payments on my account and I now owe $503. I called and Im trying to pay off my account but Im asking them to work with me on late fees and Im being transferred left and right from customer service to customer care, speaking to multiple supervisors and having to explain the situation over and over. Finally today 1/26/22 I called and told them that I was supposed to be contacted by a supervisor and I have been waiting on my request on removing the late fees but then Im informed customer care does not want to give any adjustments. The super said okay Ill take off two late fees and your total now is $491. Their late fees are $14 each how does that go from 593 to 491? I just hate the communication, its very poor and Im being misinformed and mistreated and I seek your help please. Thank you!

It began on 29 June 2022, I made a call after I got paid in order to pay off the remaining loan. It was an automated system and told me that the remaining amount was over $570.00 which I paid and it was processed on 1 July 2022. At the beginning of August I received a notification that I had to pay a minimum payment of $97. So I called to find out why, since I thought I had paid it off. They told me that the payment had been returned due to insufficient funds. I went to my bank because my statement said that it had gone through and wasn't returned. The representative showed me that it had gone through and not been returned. I called Oportun again, while at the bank. After about 2 hours of debating it and their incessant repetition of a minimum amount due and that my account was in good standing, they finally asked me to send my bank statements reflecting the payment to *** to which I sent it. I called later and someone else answered and I had to go through the whole thing again because they said that they hadn't received it and then told me that that was not the correct email. They told me to send it to *** to which I sent it again. Later I received a call saying that my minimum payment was past due and I called again. After about another hour or so, they they told me that they hadn't received it and they were going to transfer me to their supervisor. Then they told me that their supervisor told them that they were the one I was supposed to talk to. I was told that I would not have to worry about the late fees because they were looking into it and it would be another 2-3 days. After that time, they called again to say that my minimum payment was due. I explained again what the situation was and then I was told that a payment for over $590 was processed at the end of July but was returned on 3 August 2022. I never initiated that payment because I had thought the debt was done with. I asked for copies of my payment history and the

I have a loan open with this company. Back in March, it was about $147.47 to pay this amount off. I was furloughed 3/02 due to COVID-19 and I did not complete the payment due. On April 1st my furlough was extended out to May 1st. I called them to get an extension on the payment due then. They granted me a grace period of a month and confirmed a late fee would not be assessed since this would fall under hardship. On May 7th I called Oportun to pay off my full balance since I did in fact return to work on May 1st. At this time I was informed my account balance was now $162.47. I pushed back on the new total because I was specifically told the late fee would not be assessed. I was promised the credit and told to authorize the $147.47. I declined and said I preferred someone credited me the $15.00 first as there was no way for me to follow up after to ensure it actually was done. I was promised a call back from a manager to complete this, that never occurred. I receive different calls in the next 2 weeks from the CS team requesting payment. I had to explain the situation to about 10 diff reps and ask them to stop calling me unless it is with someone that can fix my account. June 1st rolls around and I start to get calls once more. I call in on June 5th to find out the status of the credit. This rep was actually helpful, they explained to me this credit was never going anywhere because the late fee was from being late in March prior to the hardship program. This made sense and so I agree to complete payment of $162.47 but upon checking my balance is now $177.47. This rep tells me he placed a request to get the credit for the $15 being charged for April as it should not be charged and we agree to pay after the correction. A few days pass by and no one again gets back to me. I reach out once more this time the CS rep had no idea what I was talking about and stated I had to pay all late fees. I ask for a manager and was on hold for over an hour. After not being able to speak to a manager in over an hour's wait time I requested the manager's email. I was given this email ***@oportun.com. I wrote them 5 times and till this day have no reply. I decided to try again today to see if I could finally talk to a manager. After 52 mins with a CS rep holding for a manager, I got *** on the line. I explained my situation to *** who agreed that late fees should not apply if you are under the hardship program for COVID-19. Although he agreed he said he would not credit my late fees and so to close the account I had to pay now the new balance of $192.47. I explained I was willing to pay the 162.47 I was in agreement on in April but all other delas has been because I have been awaiting the billing correction. I emplored for him to work with me on this as it was important for me to do right and have my bills to date but also it is tough as I was out of work for 2 months and still even now am only the main 50% of my wages. It's baffling how uninterested they were on my payment unless I approved the unfairly charged late fees. I want to do right but it is unheard of for a customer to chase a company to make payment and get their billing cleared.