Oportun Financial Corporation

I have been receiving NONSTOP calls since XXXX from a company named Oportun, XXXX, sometimes 2-3 times per day. I have no idea who these people are, and have NEVER done any business with them. Additionally, I have been registered on the Do Not Call Registry since XXXX, and blocked their number, but the calls are STILL constant. I prefer to not contact them directly, or provide any personal information to these people,,

I made a deposit for {$250.00} from my XXXX XXXX account into my Oportun savings account early last week ( I forget the day ). On this day my account balance was more than {$1800.00}. My goal balance was {$2000.00} that is why the deposit amount was that exact amount. I did this via the Oportune app. I got a message saying it would take up to 5 days for the amount to appear in my savings account. Last Thursday I checked to see if it had posted. It had not.I had no withdrawls that week. Only deposits.My account was still at more than {$1800.00} on Thursday XX/XX/XXXX. The only withdrawal .made this entire month of XXXX so far is {$1500.00} on XX/XX/XXXX. The next day I was sure it posted and it had been posted to my account BUT my balance was around {$1600.00} which is where it sits now. I immediately emailed the company and heard back the next day.…

I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

This company, Oportun, appears to be engaging in deceptive practices. They seem to be taking advantage of customers through hidden fees and unfair charges. Instead of my loan balance decreasing, it has continued to increase since the beginning of the loan. Payments have been automatically withdrawn from my account, yet after five months, the amount owed is higher instead of lower. I am requesting that this account be removed from my name due to fraudulent activity, misleading practices, and breach of customer trust.

On XX/XX/XXXX, I entered into an installment loan agreement. The total amount financed was {$10000.00}, which included a refinance of {$2300.00} from a prior loan with the same company. I was charged a 'prepaid finance charge ' ( administrative fee ) of {$860.00}, which represents nearly 11 % of the actual cash I received ( {$7600.00} ). The effective APR is 35.70 %. Despite being a repeat customer with a perfect on-time payment history and a XXXX XXXX of XXXX at the time of the loan, the principal balance has barely decreased after nearly a year of payments. I believe the combination of a 35.70 % APR and the high administrative fees charged during repeated refinances constitutes a predatory lending practice that traps consumers in a debt cycle. On XX/XX/XXXX, I contacted the company to request a good-faith adjustment to the interest rate or a credit toward the administrative fee. The company refused to negotiate or offer any relief, stating that the terms are fixed in the contract.…

On or around XX/XX/year>, I attempted to transfer {$190.00} from my savings account labeled AZ XXXX XXXX XXXX XXXX to my business checking account. Each time I attempted the transfer, I received an error message stating that the request could not be processed. I made multiple attempts using both instant and standard transfer options, but the issue persisted every time. After these failed attempts, I contacted support via email on XX/XX/year>, requesting assistance and an explanation for the error. I received only an automated response stating that there may be delays due to high volume, but I have not received any actual support or follow-up regarding my issue. As of today, my funds remain inaccessible, and I have not been provided with any explanation for why the transfer is being blocked. This situation is preventing me from accessing my own money, and the lack of communication or resolution from the company has been extremely frustrating.

I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

I was called 30 times a week for several weeks. Today I called and asked if they knew how many times they called me in the past week and they said XXXX. When I told them they arent allowed to call me 30 times in one week, they said yes we can.

Additionally, the information being reported contains clear inconsistencies in key identifying details, including variations in the name of the reporting entity. Such discrepancies call into question the accuracy and reliability of the tradeline as a whole. Under the Fair Credit Reporting Act ( FCRA ), all furnished information must be complete and accurate ; however, conflicting identifiers suggest that the data may be mixed, incomplete, or improperly verified. Despite these issues, the account continues to be reported as accurate, demonstrating a failure to conduct a reasonable investigation and further supporting that the reporting is misleading and legally deficient.

This late payment is negatively affecting my credit. I am requesting a correction or removal as a goodwill adjustment due to a one-time isolated late payment that has been fully paid.

The associated collection has been deleted, this account is no longer reflecting an active or collectible debt. I request this account be removed from my credit report as it is now misleading and obsolete.

Email sent to Oportun today XX/XX/XXXX To : Oportun Good morning : I called Oportun yesterday Saturday XX/XX/XXXX. SITUATION : I made a payment last XX/XX/XXXX for {$4500.00}. The employee gave me the attached paper. I requested the new payment schedule, but the employee told me that I will pay again on XX/XX/XXXX and she can not give a new schedule. According to that paper my last payment will be on XX/XX/XXXX, the same date that appears in the contract. According to the contract, Page 8, 6 : Right to prepay : " You may pay part of all the Principal early ( called a " prepayment '' ). Any prepayment will reduce the interest you pay on the Loan. You will not be charged a penalty if you make a prepayment. The Administrative Fee, if any, is earned in full on the Loan Date and will not be refunded if you prepay this Note. '' REQUEST : I request my new schedule from the last payment I did : XX/XX/XXXX. I will pay the monthly fee accumulated from XXXX until now.…

Oportun .. keeps calling numerous times on XXXX ... over an over the days and dates are on the history of my phone. Last phone which was today I asked why are you calling my phone today and the guy just kept talking as if he didn't hear me...

I took out a personal loan of {$3000.00} with this company. Within only 23 days, I decided to cancel or pay off the loan. However, I was informed that I would have to pay approximately {$350.00} in fees. These charges were not clearly explained to me at the time I took the loan. I contacted the company to request clarification, but I did not receive a clear or fair explanation. I believe these fees are excessive and unfair, especially considering how quickly I attempted to cancel the loan. I am requesting that these fees be removed or significantly reduced.

To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3.…

I recently reviewed my credit report and discovered a collection account listed as OPRTUNXXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that OPRTUNXXXX has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

I get harassed everyday of the week, from these companies. XXXX calls XXXX a day On XX/XX/XXXX they called 8 times On XX/XX/XXXX they called XXXX times On XX/XX/XXXX they called XXXX times On XX/XX/XXXX they called XXXX times And the list goes on

A collection account is currently listed on my credit report without proper verification. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt ; however, the creditor or collection agency has not provided any credible documentation proving that the debt is mine, that the balance is accurate, or that they are legally authorized to collect it. Despite the absence of proper validation, this account continues to be reported on my credit file. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information must be accurate and verifiable. Reporting a debt that has not been validated is both misleading and incorrect.

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

I made a payment to Oportun that was successfully debited from my bank account. My bank XXXX XXXX XXXX XXXXXXXX XXXX confirmed that the payment was processed and not returned. However, Oportun is claiming that the payment was returned, which is incorrect. At this time, the money is not in my bank account and has not been applied to my loan. This means the funds are missing. I have contacted both the bank and Oportun multiple times, but neither has provided a clear explanation or solution. I am requesting a full investigation and proof of where the funds were sent.

For the past week, representatives from Oportun have been calling me as early as XXXX XXXX and continuing to call multiple times throughout the day. These calls are excessive and disruptive. Receiving repeated calls starting early in the morning has caused unnecessary stress and inconvenience. While I understand that companies may attempt to contact consumers regarding accounts, the frequency and timing of these calls is unreasonable and feels harassing. Contacting me repeatedly in a single day, particularly beginning at such an early hour, interferes with my daily routine and personal time.

I disputed inaccurate information on my credit report regarding an Oportun account that was later assigned or sold to XXXX XXXX. I submitted a dispute to XXXX and requested the method of verification ( MOV ). Despite my dispute, the account was verified without providing sufficient documentation or explanation of how the information was confirmed as accurate. The account is being reported inaccurately because : The balance and status information is inconsistent The original creditor and collection reporting appear duplicative and/or improperly updated The investigation did not correct the disputed errors Under the Fair Credit Reporting Act ( FCRA ), a reasonable investigation is required when a consumer disputes information. Simply verifying the account without correcting inaccuracies or providing proper documentation does not satisfy that requirement.…

I had a savings account with Oportun, but I closed the external checking account linked to it. As a result, Oportun closed my savings account and informed me that they would mail me a check for {$2300.00}. They issued me ticket # XXXX regarding this matter. The last communication I received from them was on XX/XX/year>. Since then, I have called numerous times and sent many emails, but I have not received any response. I frequently attempt to contact them by phone, but I'm always told that someone from the relevant department will call me back, which never happens, or I am instructed to email them. Unfortunately, my emails also go unanswered.

I received a letter in the mail by XXXX it is written in spanish, claiming that they are a collection company trying to collect a debt by an creditor named OPORTUN INC for the amount of XXXX dollars. The letter is asking for immediate payment or will be subjected to lawsuit by credit collecting agency.

I am trying to close my account with Oportum. I provided my name, email and phone number to my current account. They refuse to close it until I send my primary banking account statements which I use to transfer funds into this account, my license and a utilities bill statement. I told them this information seems excessive for a closure request and they are refusing to close my account with out it. The company did not require any of this information to open the account so it seems unnecessary for them to have it just to cancel my account.

I am writing to formally dispute a fraudulent account and debt currently being pursued by XXXX XXXX XXXX on behalf of Oportun XXXX Under account number XXXX for the amount of {$6200.00} On XX/XX/XXXX, I received a collection text message from XXXX XXXX XXXX regarding a loan that I did not authorize. Upon investigation, I discovered this unauthorized account was opened in my name at Oportun with an original loan date of XX/XX/XXXX. I am reporting that this account is the result of identity theft. I have no association with this transaction, and I did not receive any funds from this loan. Furthermore, I have official documentation ( travel records ) proving that I was not in the country on XX/XX/XXXX, the date the loan was initiated, making it impossible for me to have signed for this account in person.

I had an account with Oportun / XXXX that was officially closed on XX/XX/2023. Despite the account being closed, another company has been contacting me attempting to collect on a debt that I do not owe. I have not opened any new account and the original lender is no longer active on this account. I did not authorize my information to be shared or transferred for collection purposes after the account was closed. I am being contacted regarding a balance that is not owed. I am requesting that : All collection attempts stop immediately Any company attempting to collect on this closed account cease contacting me Any information related to this account not be transferred or used for collection Written confirmation be provided that no balance is owed This account was closed on XX/XX/2023.

I paid off the loan and I asked at the time i paid it off will they delete it from my credit report and they said yes, but they didn't and it is still on my credit report.

I was previously behind on my payments due to financial hardship but I remained under 120 days past due. To resolve this, I entered a hardship assistance program provided by Oportun. According to their official app, my account is now Current with a payment scheduled for XX/XX/XXXX. Despite this agreement, Oportun transferred my account to a law firm ( XXXX XXXX ) and now refuses to communicate with me. Every time I call they try to force and intimidate me into dealing only with the collection agency, which I find threatening and predatory. They are using legal-firm intimidation for a debt that is NOT in default under my current assistance plan. I am trying to pay as agreed, but they are blocking my access to their own customer service to force a settlement through a third party. Additionally. when Oportun calls for collection attempts their representatives refuse to identify themselves first.…