What is the most common complaint against Oportun Financial Corporation?

The most common issue consumers report about Oportun Financial Corporation is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 555 complaints filed with the CFPB.

Are complaints against Oportun Financial Corporation increasing or decreasing?

Complaints against Oportun Financial Corporation are rising. The company received 306 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Oportun Financial Corporation's reputation grade?

Oportun Financial Corporation has a reputation grade of C (score: 57.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Oportun Financial Corporation respond to consumer complaints?

Oportun Financial Corporation has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 7% of cases.

In how many states does Oportun Financial Corporation operate?

Oportun Financial Corporation has received CFPB complaints from consumers in 35 states, with the most complaints from California (200 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Oportun Financial Corporation - Debt Collector Complaint Profile

CFPB complaint profile across 35 states, reputation grade C.

Compiled by PlainCollector

Took or threatened to take negative or legal action

205
Attempts to collect debt not owed

174
Written notification about debt

74
False statements or representation

43
Communication tactics

42
Threatened to contact someone or share information improperly

5

Data updated September 2026

CFPB complaint disposition

CCDB record oportun-financial-corporation Oportun Financial Corporation

Grade C · 555 CFPB filings · 99% timely · lead issue: Took or threatened to take negative or legal action · vol #253 · compose #2839

VOL 555
GRADE C
12MO 306
STATES 35
TIMELY 99%
DISPUTE 7%
ISSUE Took or threatened to take…
RANK #253
COMPOSE #2,839

Volume peers

Nearest volume peer: Thaxton Investment Corporation (555 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Oportun Financial Corporation's 555 CFPB complaints sit next to Thaxton Investment Corporation on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

36.0% of Oportun Financial Corporation's CFPB filings land in California

High volume does not equal a clean composite: Oportun Financial Corporation is volume #253 but composite #2,839, while California dominates the geography. Corpus placement method.

Dominant state: California 36.0%; 200 of 555 filings · 35 states touched
Even monthly load: Peak under 8%; Highest month 2016-04 at 7.1% (2 filings)
Divergent corpus ranks: #253 volume; #2,839 composite; Cleanest-composite ladder is 2,586 places worse than volume

How does Oportun Financial Corporation compare to its peers?

How does OPORTUN FINANCIAL CORPORATION compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

OPORTUN FINANCIAL CORP… National average

Complaints (last 12 mo)lower is better

306

195

268

Timely-response ratehigher is better

99%

91%

Consumer-dispute ratelower is better

14%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-12 2021-05

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	205
Attempts to collect debt not owed	174
Written notification about debt	74
False statements or representation	43
Communication tactics	42
Threatened to contact someone or share information improperly	5
Electronic communications	4
Cont'd attempts collect debt not owed	3
Improper contact or sharing of info	3
Taking/threatening an illegal action	2

Where do complaints against Oportun Financial Corporation come from?

Oportun Financial Corporation's own per-state count, not a national baseline.

California

200
Texas

100
Florida

66
Arizona

36
Illinois

23
New Jersey

22
Nevada

17
North Carolina

16

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Oportun Financial Corporation: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 555.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.87640449438202%.

4 peers

Know your rights before responding to Oportun Financial Corporation: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.